1. AURA (Automotive Underwriting Risk Acceptances) Now Autom8

2. Aura - Background Motor Underwriting Agency – in business since 1996 Specialising in: - Corporate Fleets - Commercial Motor - Bus Operators (Transease) Underwritten by: Guardrisk Insurance Company Lloyds ofLondon (Transease passenger Liability)

3. Aura Cont… Value of the book - +/- R100 000 000 Aura products Transease- Bus facility Fleets with aggregate or deposit structures on annual clients Specified vehicles, monthly or annual payment options available

4. Aura Territorial limits - Africa South of the Equator

5. Aura - limits • Own Damage limit any one vehicle R3 million • Third Party Liabilities R5 million • Non Fare Paying Passenger Liabilities R5 million If higher limits are required we can arrange XOL cover up to R100 million (Lloyds) • Fare Paying Passenger Liabilities from ground up through London- up R100 million and R200 million on referral to Lloyds

6. Aura - Extensions • Emergency Travel Costs • New for Old/Credit Shortfall • Search and Recovery Charges • Breakdown tow-in • Windscreen cover including headlamps • Optional car hire (group B) including commercial vehicle (R400 per day)

7. Aura- Minimum requirements • 15 vehicles for FLEET Policy and 3 vehicles for a specified Policy • Existing Deductible structure with a minimum of 3 years claims history • List of vehicles indicating individual VALUES • RISKS EXCLUDED FROM THE FACILITY - Car Hire Companies - Courier Risks - Transport Contractors - High valued executive vehicles

8. Transease Transease – Autom8 Bus Facility

9. Quoting Strategy • Transease can offer the following options: • Conventional comprehensive / Third Party Fire and Theft • Third Party only • Aggregate Deductibles • Deposit Premiums on Own Damage and Third Party - excluding Passenger Liability • Various combinations of optional extensions

10. Transease/Aura Markets • Assets Underwritten by - Guardrisk Insurance Company • Fare Paying Passengers Underwritten by - London Market • Transease -Target Markets • Dept. of Transport tender operators • Scheduled service operators • Specialist Tour Operators • Municipal / Parastatal Bus Fleets • Tour Operators Fleets • Accommodating SME Operators, subject to fleet profile

11. Basic Package includes • Own Damage up to R3m ANY one Vehicle (Depot/ Car Park accumulation limit on Fire & Allied Perils – R2m any one event) • Liabilities – Limit : R5m (up to R100m available) • Keys – Limit : R7 500 & Radios – Limit : R10 000 • Emergency Charges – Limit : R100 000 • Emergency Travel Costs – Limit : R50 000 • Search and Recovery Charges – Limit : R100 000 • Medical Expenses – R2 000 per passenger

12. Optional Extensions • Passenger Liability up to R200 million • Increase In Cost of Working - Limit : R40 000 per vehicle per Occurrence but limited to R1 000 per vehicle per day • Criminal Defence Costs - Limit : R150 000 in the annual aggregate but limited to R3 500 per employee/driver per occurrence • Accident Management Costs – Limit R50 000 per Occurrence • Baggage - Limit : R50,000 any one Occurrence but limited to • R2 000 any one occupant

13. Minimum requirements • 3 USED Buses for a specified Policy and 10 Buses for a fleet Policy • List of Buses indicating individual VALUES • Existing Deductible structure with a minimum of 3 years claims history • Transease Proposal Form • RISKS EXCLUDED FROM THE FACILITY - TAXI Services - Bus Ambulances - Shuttle Services

14. Obligations placed on drivers • CURRENT Licensing requirements such as: • - PDP • - Endorsements of licenses • - Driver Training • - Vehicle Maintenance • New DRAFT National Land Transport Act • - National Public Transport Regulator will be involved in various aspects of public transport, from changing • PDP licenses to “an Operating licence” to having to • have a programme of maintaining and servicing all • vehicles

15. The Aura Team • Business Leader – Kees Goedhart • Product Owner – Ian Labram • Underwriting Team – Gladys van der Merwe, Ronel Esterhuizen & Angelique le Roux, Maureen Koster • Policy Administration team – Meryl Oliphant, Patience Maetse, Gugu Nkosi, Lia Beiling & Moshadi Tlhalogang, • Claims team – Eric Sigama, Laura Martins, Shayne Hollenberg, Roderick Smith, Charlien Ellis, Sipho Makhapela, Priscilla Snydert & Thea da Silva (auditor)

16. Thank You

17. Contact Details Physical AddressPostalAddress 90 R ivonia Road P O Box 783542 SandtonSandton 2196 2146 Ian Labram (011) 669 3161 labrami@guardrisk.co.za Cre8 Helpline: 0860 002 500 Cre8 Web: www.cre8sa.co.za Cre8 Email: info@cre8sa.co.za Complaints & Compliments: gripes&grins@cre8sa.co.za Guardrisk Allied Products and Services (Pty) Ltd. Co.Reg No.: 2007/016202/07 FSP No: 10411 An Authorised Financial Services Provider