Bloemfontein Branch

INSURE PHG Building 196 Nelson Mandela Road

Bloemfontein 9301

PO Box 1085 Bloemfontein 9301

Tel: +27860637373 Web: www.ominsure.co.za

DA GAMA VETERINARY
Da Gamaweg 75 Print Date : 08/01/2024
Jeffreys Bay
6330

Policy No. : BA/M/02/MSURE/646501792 Processing Date : 08/01/2024

Broker : Mooirivier Makelaars (Edms) Bpk Our Reference : SMOOPTL
Broker's Agency No : 424773 Effective Date : 01/02/2024
Transaction No. : 504437559
Copy Policy

Dear Policyholder

We have pleasure in enclosing a copy of your policy as requested.

Yours faithfully

Old Mutual Insure Limited, Registration Number 1970/006619/06.

Page 1 of 11
A licensed FSP and Non-Life Insurer.
 THE SCHEDULE

The Insurer Old Mutual Insure Limited

Policy No. BA/M/02/MSURE/646501792

Product Multisure

The Insured DA GAMA VETERINARY

Postal Address Da Gamaweg 75

Jeffreys Bay
6330

The Business Veterinary

This schedule must be read in conjunction with the relevant section wording which is Multisure (INDEX) Version 06 Dated 2019-09-01 as well as the
general section wording which is Multisure (GENERAL EXCEPTIONS, CONDITIONS AND PROVISIONS) Version 08 Dated 2020-03-13 . Should you not
be in possession of the correct wording, please contact your Broker or local Old Mutual Insure Limited office to obtain a copy.

Territorial Limits: All premises as stated in each section owned or occupied or used by the Insured for the purposes of The Business all situated in
the area which on 1st January 1976 constituted the Republic of South Africa, Namibia, Botswana, Lesotho, Swaziland, Zimbabwe, Malawi and
Mozambique.

Period of Insurance (a) From 01/02/2024 to 29/02/2024 both dates inclusive

(b) Any subsequent period for which the company agrees to renew this policy or any section thereof.

Broker Mooirivier Makelaars (Edms) Bpk

Broker's Reference

Broker's Agency No. 424773

Issuing Office Bloemfontein Branch

Our Reference SMOOPTL

SIGNED at Johannesburg on 08/01/2024

On behalf of the Insurer

Page 2 of 11
 THE SCHEDULE
PREMIUM SUMMARY

Policy No. BA/M/02/MSURE/646501792

The Insured DA GAMA VETERINARY Schedule ID 520836664

Transaction Type/No M/504437559 Effective Date 01/02/2024

Sections in Force Monthly Premium (R)

ELECTRONIC EQUIPMENT 91.21
FIRE 304.64
MOTOR (SPECIFIED VEHICLES) 890.50
PUBLIC LIABILITY - CLAIMS MADE BASIS 123.64
VALUE ADDED SERVICES 9.17

BROKER SERVICE FEE 0.00

INSURER ADMINISTRATION FEE 0.00

Total 1,419.16

All premiums are inclusive of VAT at the standard rate. With the direction of the Commissioner in terms of S20(7) of the VAT Act, this policy
document together with proof of payment of the insurance premium constitutes a valid tax invoice.

Old Mutual Insure Limited VAT Vendor No : 4460101019

Insured VAT Vendor No :

All excess amounts are inclusive of VAT and are due before we settle the claim. Please note that we may deduct these amounts from the
compensation we give.

BSF_REFUND

Anniversary Date : 01/01/2025

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Important Information

In terms of current legislation your broker is obliged to provide you with details of how much (in monetary terms) of the above premium the insurer[s] retains[s] as
insurance premium and how much is paid across to your broker as commission. Your broker has requested that we assist with this legislative disclosure
requirement and the necessary information is reflected below:

Monthly

Actual insurance premium retained by the insurer[s]: R 1,203.95

Broker's Commission R 215.21
Broker fee: R 0.00

Actual insurance premium retained by SASRIA R 0.00

SASRIA service fee: R 0.00
Broker's Commission for SASRIA R 0.00

Flood Damage Exclusion

Flood damage cover is excluded in respect of properties situated below the 50 year floodline located next to the Vaal or Orange rivers.

Sanctions Limitation and Exclusion Clause

No insurer shall be deemed to provide cover and no insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of
such cover, payment of such claim, or provision of such benefit would expose that insurer to any sanction, prohibition or restriction under United Nations
resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

ELECTRICITY GRID INTERRUPTION EXCLUSION

Notwithstanding any Provision of this Policy, including any Exclusion, Exception, Extension, Insuring Provision, or any Provision which would otherwise override
this General Exception, this Policy does not cover any loss, damage, claim, liability, cost, exposure, expense or other sum of any nature, including any
consequential losses in terms of any section of this Policy, that is directly or indirectly, regardless of any other cause or event contributing concurrently or in any
other sequence, caused by, attributable to, in consequence of, related to, resulting from, arising out of, following, or in any way in connection with the
following:A)Electricity Grid Interruption (as defined below); and/orB)the restoration or reconnection of the supply of electricity following Electricity Grid
Interruption.Electricity Grid Interruption means an interruption or suspension of electricity supply from any electrical power supply network to any end user, in any
manner, from whatsoever source, and for whatsoever reason, whether due to damage, an inability, and/or failure (whether partial or total) of any electrical power
supplier to generate, transmit or distribute electricity, or otherwise.This exclusion also applies to consequential losses in respect of any utilities that are affected
by Electricity Grid Interruption including, but not limited to, the disruption of water, telecommunications and sewage systems. It also applies to other
consequential losses, such as the deterioration of stock, food or other items.This exclusion does not apply to:I)any loss or damage to property, other than
property that is in any way used for, implemented in, or part of the generation or production of electricity, which is covered in terms of any public utilities section
or extension (if selected by the Insured) of this Policy.II)any loss, damage, claim, liability, cost, exposure, expense or other sum of any nature caused by,
attributable to, in consequence of, related to, resulting from, arising out of, following, or in any way in connection with Power Surge (as defined below) following
Loadshedding (as defined below)Loadshedding means the intentional total or partial withholding of electricity supply (from any source) by any electricity supplier,
which is implemented in phases, and which does not affect a municipality (including local, district, regional or any other level created by law), province, or the
country at substantially the same time.Power surge means any temporary increase (of any degree) in the current or voltage of an electrical circuit, electricity
network or supply.

FAIS disclosure notice to non-life insurance policyholders:

The full disclosure notice is attached to all New Business and Renewal documents effective after 07/06/2004 but not all other transactions. Should you require a
copy of this notice, please contact your Local Branch.

Page 4 of 11
 THE SCHEDULE

ELECTRONIC EQUIPMENT SECTION

Policy No. BA/M/02/MSURE/646501792

The Insured DA GAMA VETERINARY Schedule ID 520836664

Transaction Type/No M/504437559 Effective Date 01/02/2024

This schedule must be read in conjunction with the relevant section wording which is Multisure (ELECTRONIC EQUIPMENT SECTION) Version 08
Dated 2022-08-15 as well as the general section wording which is Multisure (GENERAL EXCEPTIONS, CONDITIONS AND PROVISIONS) Version 08
Dated 2020-03-13. Should you not be in possession of the correct wording, please contact your Broker or local Old Mutual Insure Limited office to
obtain a copy.

Location Insured Premises

No
1 Da Gamaweg 75, Jeffreys Bay, 6330

Item No Item Description Sum Insured (R)

SUB-SECTION A: MATERIAL DAMAGE

1/1 HP Desktop S/N: TRF60704FN 11,000
First Amount Payable
Compulsory: 10% of Claim with a minimum of R 1,500.00

1/2 Canon Mono laser Printer MF237W 4 in 1 2,300

First Amount Payable
Compulsory: 10% of Claim with a minimum of R 350.00

As stated in the policy wording under the General exceptions, Conditions and Provisions: Claims Preparation 1,330
Costs

First Amount Payable

Where more than one item is the subject of a claim arising out of any one event (or series of events arising out of one original cause or source) and where such items have
separate first amounts payable, only one first amount payable will be borne by the Insured. This first amount payable shall be calculated as follows:

(a) Where the first amounts payable are stated as fixed currency amounts per item, only the amount of the item with the highest first amount payable will be used once for
the entire claim.
or
(b) Where the first amounts payable are based on a percentage of the claim or sum insured, the first amount payable will be calculated individually for each affected item.
Where however such first amounts payable of each item stipulate that the result is subject to a minimum amount, only one minimum amount will be used and it will be the
amount of the item with the highest minimum unless this does not work to the benefit of the insured.
Compulsory: 10% of Claim with a minimum of R 1,500.00

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 THE SCHEDULE

FIRE SECTION

Policy No. BA/M/02/MSURE/646501792

The Insured DA GAMA VETERINARY Schedule ID 520836664

Transaction Type/No M/504437559 Effective Date 01/02/2024

This schedule must be read in conjunction with the relevant section wording which is Multisure (FIRE SECTION) Version 04 Dated 2022-08-15 as well
as the general section wording which is Multisure (GENERAL EXCEPTIONS, CONDITIONS AND PROVISIONS) Version 08 Dated 2020-03-13. Should
you not be in possession of the correct wording, please contact your Broker or local Old Mutual Insure Limited office to obtain a copy.

Definitions
The column references refer to the undermentioned -
Column 1 - Buildings constructed of brick, stone, concrete or metal on metal framework and roofed with slate, tiles, metal, concrete or asbestos unless
otherwise stated in the schedules including landlord's fixtures and fittings therein and thereon, walls (except dam walls) gates, posts and fences.
Column 2 - The number of months rent/rental value stated in the schedule.
Column 3 - Plant, Machinery, Landlord's fixtures and fittings for which the insured is responsible and all other contents excluding property more specifically
insured.
Column 4 - Stock and Materials in trade.
Column 5 - Miscellaneous as described and tenant's improvements.
Loc / Details of Premises/Item Description Column Ref Sum Insured (R)
Item No
1 Da Gamaweg 75
Jeffreys Bay
6330
Main Construction: Standard

Building(s) built of:

Roof: Metal
Walls: Brick

1 Plant, machinery & stock 3&4 650,000

2 Carestream Vita Flex X-ray Machine SN: 011015369 License 140/23048 The 5 247,000
interest of 015868:022557 Merchent West noted
First Amount Payable
Compulsory: 10% of Claim with a minimum of R 500.00

As stated in the policy wording under the General exceptions, Conditions and Provisions: Claims Preparation 5,000
Costs

First Amount Payable

Where more than one item is the subject of a claim arising out of any one event (or series of events arising out of one original cause or source) and where such items have
separate first amounts payable, only one first amount payable will be borne by the Insured. This first amount payable shall be calculated as follows:

(a) Where the first amounts payable are stated as fixed currency amounts per item, only the amount of the item with the highest first amount payable will be used once for
the entire claim.
or
(b) Where the first amounts payable are based on a percentage of the claim or sum insured, the first amount payable will be calculated individually for each affected item.
Where however such first amounts payable of each item stipulate that the result is subject to a minimum amount, only one minimum amount will be used and it will be the
amount of the item with the highest minimum unless this does not work to the benefit of the insured.
Compulsory: R 4,000.00 in respect of The Basic Excess for the Fire Section: For every occurrence (or series of occurrences arising out of one event) giving rise to a claim.

Additional Perils: Included

Bursting No
Damage by wild baboons or wild monkeys or wild animals No

Page 6 of 11
Earthquake Yes
Loc No: 1 Item(s) Included: 1, 2

Fire Extinguishing And Prevention Expenses No

Malicious Damage Yes
Loc No: 1 Item(s) Included: 1, 2

Power surge No
Public supply connections No
Riot & Strike No
Special Perils Yes
Loc No: 1 Item(s) Included: 1, 2

Subsidence, Landslip and Heave Limited Yes

Loc No: 1 Item(s) Included: 1

Extensions: Included Sum Insured (R)

Power surge No
Loc/Item No 1/2

ADDITIONAL CLAUSES, EXTENSIONS AND RESTRICTIONS WHICH APPLY

Loc No: 1 Item No: 2 The insurance under this section is extended to include loss or damage caused by power surge provided that:

(i) the Company's liability for any claim or number of claims for any one event or series of events with
one originating cause or source, shall not exceed R &sum_insured_amt or the amount stated in the schedule
whichever is the lesser, or in the annual aggregate (being the period of twelve consecutive months
from the inception date or anniversary date) a total amount of R &total_sum_insured
(ii) the insured shall be responsible for a first amount payable of 10% of claim minimum R &fap_claim_amt
(iii) for the purposes of this extension; cover is only extended to include the property specifically insured
under this section
(iv) this extension specifically excludes any consequential losses which may arise following an insured loss

Specific condition (Average) or (Underinsurance) shall not apply to this extension

Loc No: 1 Item No: 1 Subsidence and Landslip - Limited Cover

This section is hereby extended to include loss of or damage caused by subsidence and landslip other than loss or damage caused to or by:
1. drains, water courses, boundary walls, garden walls, screen and retaining walls, gate posts, gates; fences, driveways, paving, swimming pool
borders or tennis courts;
2. or attributable to faulty design, insufficient compacting or filling, poor construction;
3. removal or weakening of support;
4. structural alterations, additions or repairs;
5. surface or subterranean excavations except those performed during mining operations;
6. normal settlement, shrinkage or expansion;
7. contraction or expansion of clay and similar soil types due to its moisture or water content;
8. existing damage at inception of this extension;
9. Consequential loss of any kind whatsoever except loss of rent. Should the company allege cover under this extension does not apply the insured
shall have the burden of proving the contrary. The insured will be responsible for the first R5 000 (five thousand) of each and every claim.

Page 7 of 11
 THE SCHEDULE

MOTOR (SPECIFIED VEHICLES) SECTION

Policy No. BA/M/02/MSURE/646501792

The Insured DA GAMA VETERINARY Schedule ID 520836664

Transaction Type/No M/504437559 Effective Date 01/02/2024

This schedule must be read in conjunction with the relevant section wording which is Multisure (MOTOR (SPECIFIED VEHICLES) SECTION)
Version 04 Dated 2022-08-15 as well as the general section wording which is Multisure (GENERAL EXCEPTIONS, CONDITIONS AND
PROVISIONS) Version 08 Dated 2020-03-13. Should you not be in possession of the correct wording, please contact your Broker or local
Old Mutual Insure Limited office to obtain a copy.

Make Vehicle Year Reg no CFG Cover Limit of Indemnity/

Definition Sum Insured/
Compensation (R)

TOYOTA HILUX 2.7 VVTI RAIDER R/B P/U S/C 7.2 2012 FTG723EC 10 F 178,100
Engine No: 2TR7170481
Vin No: AHTCX39G405009932
TransUnion Code 60036322
Optional Extras (Included in Sum Insured):
Unspecified R6,200

Claims Preparation Costs 0072 5,000

Sub Section B Limit of Indemnity

(a) Passenger Liability (Extension 2 and/or 3) - definition (b) - (e) Amount Stated
(b) Any other event and the aggregate of (a) and (b) R 2,500,000

Cover
A = Fire & Theft
B = Balance of Third Party, Fire & Theft
F = Comprehensive
Q = Third Party & Fire
T = Third Party Only

Extensions: Included Sum Insured (R)

REG NO: FTG723EC TOYOTA HILUX 2.7 VVTi RAIDER R/B P/U S/C
Basic Unauthorised Passenger Liability Yes 2,500,000
Passenger Liability Yes 2,500,000
Windscreen Yes
First Amount Payable
Compulsory: 25% of Claim with a minimum of R 250.00 in respect of replacement of the glass but this is reduced to NIL if the glass is repaired instead.
Keys and Locks Yes 1,000
First Amount Payable
Compulsory: 10% of Claim with a minimum of R 100.00

ADDITIONAL CLAUSES, EXTENSIONS AND RESTRICTIONS WHICH APPLY

TOYOTA HILUX 2.7 VVTi RAIDER R/B P/U S/C FTG723EC
Loc No: 1 Item No: 1 Motor First Amount Payable Waiver
In consideration of the payment of an additional premium the First Amount Payable as stated in the schedule in
respect of First Amounts Payable Sub-section A (Loss or Damage) are hereby waived and restated to read as
follows:
Description
2.1 For every occurrence (or series of occurrences arising out of one event) giving rise to a claim
Vehicle Definition (a) Amounts payable - Nil
Vehicle Definition (b) Amount payable - Nil in respect of light delivery commercial vehicles and panel vans,
which have a gross vehicle mass of less than 3500kg

Page 8 of 11
Hail ? Amount Payable ? Nil

TOYOTA HILUX 2.7 VVTi RAIDER R/B P/U S/C FTG723EC

Loc No: 1 Item No: 1 Overnight protections
The overnight protections of the insured vehicle/s described below are:
FTG723EC TOYOTA HILUX 2.7 VVTi RAIDER R/B P/U S/C Secure area/yard

Important notice applicable to motor:

As with any other section, the obligation to ensure that the values of insured items are adequate (neither over nor underinsured) rests with the insured
and not the insurance company. In view of the numerous factors which can influence the vehicle value, it would be nearly impossible, if not prejudicial
to you, for us to attempt to value your vehicle (ongoing vehicle condition, mileage and accessories will not be known to us refer below for more details
on how these affect your insured value). This obligation is an ongoing one and unlike some other assets, motor vehicles are generally continually
depreciating assets that require regular downward revision of insured values. Usual practice is to do so once a year at renewal / anniversary date.

It is important to note that usual insurance practice is to settle any Motor total loss own damage claims on reasonable market value. 'Reasonable
market value' is normally determined by reference to certain publications available to the Motor Trade. Some insurers will take the average between
the lower 'trade value' and higher 'retail value' (adjusted for mileage and condition) contained in these publications to arrive at the settlement figure.
Old Mutual Insure Limited will however now settle losses of this nature by using the higher 'retail value' (adjusted for mileage, condition or additional
accessories) which should (depending on mileage and condition) result in a higher settlement figure.

To gain full benefit from the above, motor vehicle insured values must be adequate and must be set at the higher retail amount adjusted for any
accessories etc.
Vehicle Definitions
7.1 Private type motor cars (including station wagons, safari vans, estate cars and the like or similar vehicles designed to seat not more
than 9 persons including the driver).
7.2 Commercial vehicles and special type vehicles as described in the schedule.
7.3 Motor cycles (including motor scooters and 3-wheeled vehicles).
7.4 Buses (including any vehicle used for business purposes and designed to seat more than 9 persons, including the driver).
7.5 Trailers, i.e. any vehicle without means of self-propulsion designed to be drawn by a self-propelled vehicle, but excluding any parts
or accessories not permanently fitted thereto.

First Amounts Payable

The first amounts payable under Sub-Section A (Loss or Damage) for any specified vehicles falling within the Vehicle Definitions in 1 above
are as follows :-

Description Vehicle Definitions Amounts Payable (R)

2.1 For every occurrence (or series of occurrences arising out of one (a) to (b) 5% of agreed loss or damage subject to a
event) giving rise to a claim minimum of R 5 000
. (c) to (e) 5% of agreed loss or damage subject to a
minimum of R 1 500
2.2 Whilst the vehicle is being driven by or is for the purpose of being (a) to (d)
driven by any person who
2.2.1 is under 23 years of age R 600
2.2.2 is under 26 but not under 23 years of age R 300
2.3 If the vehicle is stolen or hijacked but not recovered and physically (a) to (d) 2.5% of agreed loss subject to a minimum of
returned to the Insurer R 1 000, but for (c), Motor Cycles, the
minimum is reduced to R 500
N.B. If the vehicle is subsequently recovered and physically returned
to the Insurer, this amount will be repaid to the Insured
2.4 If the stolen vehicle was not fitted with an anti-theft device (apart from (a), (b) & (d) 2.5% of agreed loss subject to a minimum of
the ignition switch) that automatically disabled the ignition as well as R 500
the starter system and which was either approved by VESA (Vehicle
Security Association of South Africa) SAIA Approved (Pty) Ltd; or
installed by the manufacturer of the vehicle when new
N.B. If the vehicle is subsequently recovered and physically returned
to the Insurer, this amount will be repaid to the Insured
2.5 If the stolen vehicle was not fitted with a tracking and recovery device (a) & (b) 2.5% of agreed loss
approved by VESA (Vehicle Security Association of South Africa),
SAIA Approved (Pty) Ltd and the limit of indemnity / sum insured of
the vehicle reflected in the schedule was in excess of 750 000
Note: The Insured must be able to supply proof that the contract for
the tracking and recovery device was in force at the time of the loss
N.B. If the vehicle is subsequently recovered and physically returned
to the Insurer, this amount will be repaid to the Insured
2.6 Any other amount to be borne by the Insured
2.6.1 Voluntary amount See amount under specific Item
2.6.2 Compulsory amount See amount under specific Item
The amounts to be borne by the Insured will be the amounts specified in items 2.1 to 2.6 above which apply independently to each vehicle and are
cumulative.

Page 9 of 11
 THE SCHEDULE

PUBLIC LIABILITY - CLAIMS MADE BASIS SECTION

Policy No. BA/M/02/MSURE/646501792

The Insured DA GAMA VETERINARY Schedule ID 520836664

Transaction Type/No M/504437559 Effective Date 01/02/2024

This schedule must be read in conjunction with the relevant section wording which is Multisure (PUBLIC LIABILITY - CLAIMS MADE BASIS
SECTION) Version 04 Dated 2022-08-15 as well as the general section wording which is Multisure (GENERAL EXCEPTIONS, CONDITIONS
AND PROVISIONS) Version 08 Dated 2020-03-13. Should you not be in possession of the correct wording, please contact your Broker or
local Old Mutual Insure Limited office to obtain a copy.

Item no Description Limit of Indemnity

(R)

Retroactive Date: 01/01/2019

1 Da Gamaweg 75
Jeffreys Bay
6330

1 Legal Liability 1,000,000

As stated in the policy wording under the General exceptions, Conditions and Provisions: Claims Preparation 5,000
Costs

ADDITIONAL CLAUSES, EXTENSIONS AND RESTRICTIONS WHICH APPLY

Contract works exclusion
Applies to Loc/Item No 1 / 1
Loc No: 1 Item No: 1 Contract works exclusion
This section of the policy does not cover liability for injury or damage:
1. arising from the presence of the insured (or anyone else insured hereunder) on a contract site for the purpose of building, constructing, erecting or installing
any property and
2. caused during the period of such contract or any subsequent contractual maintenance period and
3. caused on such contract site.
This exclusion will not apply if the presence of the insured (or anyone insured hereunder) on the contract site was for the sole purpose of repair, maintenance
(other than contractual maintenance following construction) or overhaul.

Page 10 of 11
VALUE ADDED SERVICES

SWIFTCARE

SWIFTCARE - Share-call 0860 24 7 365

24 hrs a day, 365 days a year
Services Provided:
Road - Emergency roadside assistance
Home - Household emergencies
Medical - Emergency services

Item No SwiftCare Monthly Premium

(R)
1 Roadside Assistance 0.00
2 Office Assistance 9.17

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