IMPORTANT CHANGES TO LEGAL MEMBERSHIP

Only applicable to Scorpion Legal Policy membership. This does not affect any Scorpion Funeral Plan membership.

Scorpion Legal Protection (RF) (Pty) Ltd has made changes to the Personal legal membership agreement. Clauses 3, 6, 7, 9, Optional Addendums: A), B), C), D), F) and the new Occupation Specific Extender. Please read through the changes below and note that the changes do not change any of the terms and conditions of your membership.

Clause 3 f) amended

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Insured Matters

f) You have paid the First Amount Payable as shown in Your Schedule of Insurance (if You use a Lawyer who is not on Our Network, We will deduct the First Amount Payable from any amount due to the lawyer. If You already paid the lawyer, it will be deducted from what is due to You.

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Insured Matters

f) You have paid the Excess Amount Payable as shown in Your Schedule of Insurance (if You use a Lawyer who is not on Our Network, We will deduct the Excess Amount Payable from any amount due to the lawyer. If You already paid the lawyer, it will be deducted from what is due to You.

Clause 6.5 removed and clause 6.33 a) and n) added

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Exclusions

In addition to any exclusions set out in Section 4, a matter or dispute that arises out of, is based on or relates to any of the following does not qualify for Insurance Cover under Section 2 (2)) but We may provide the Paralegal Services referred to in Section 2 (1), unless We have specifically excluded it, as indicated in this Section.

1. Business activities (including activities relating to a proposed business) and Your acts in any business as a director, public officer, agent, shareholder, partner, sole proprietor or part owner. This exclusion also applies to Paralegal Services;

"Business" means a company, close corporation, sole proprietorship, partnership, contractor/sub-contractor arrangement, agency, farming operation, professional practice, landlord, self-employment or any other activity by You with a profit, capital gain or dividend objective, which includes a financial investment by You in excess of the Maximum Financial Value shown in Your Schedule of Insurance and matters related to intellectual property like copyright, patents and trademarks.

2. Marriage (including Customary Marriages), divorce, enforcement or annulment of a divorce order, alimony, maintenance disputes, maintenance investigations, enquiries or other proceedings related to custody of children, visitation rights, child support, guardianship, paternity, engagement or promise to marry and living together as husband and wife or as life partners, or out of an affectionate relationship (an intimate relationship between our member and his or her significant other regardless of gender) or out of a union in terms of the Civil Union Act (including same sex marriage);

3. Any dispute that may arise as a result of living together as husband and wife or as life partners, or out of an affectionate relationship (an intimate relationship between our member and his or her significant other regardless of gender) or out of a union in terms of the Civil Union Act (including same sex marriage),

Living together as husband and wife or as life partners means that you were in a relationship, you shared a residence and as a result of the living arrangement a dispute arises.

4. A claim by You for defamation, insult, verbal abuse or any other infringement of Your personality, reputation or dignity (a claim against You is covered); or a claim by or against You in terms of the Harassment Act or Domestic Violence Act,

5. Your chances of succeeding in a Civil or Labour Case, or an application for leave to appeal, are not better than not succeeding

6. A claim by You that is of an emotional nature and does not affect Your Corporeal interests.

"Corporeal" means money or physical property.

7. The following exclusion also applies to Paralegal Services: Matters involving You as a member, public officer, trustee, executor, curator, agent or spokesperson of:

- a non-profit company, institution or association;

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Exclusions

Living together as husband and wife or as life partners means that you were in a relationship, you shared a residence and as a result of the living arrangement a dispute arises.

5. A claim by You that is of an emotional nature and does not affect Your Corporeal interests.

"Corporeal" means money or physical property.

6. The following exclusion also applies to Paralegal Services: Matters involving You as a member, public officer, trustee, executor, curator, agent or spokesperson of:

- a non-profit company, institution or association;

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Exclusions

33. Income tax matters:

a) Juristic persons/entities, including but not limited to sole proprietors;

b) A matter in your capacity as directors of companies, members of close corporations, partners in partnerships or any participant/business partner involved in a relationship considered to be business and that conducts a trade or business or any business combination;

c) Taxation of trusts, estates and body corporates;

d) Taxation of persons acting in any representative capacity for example trustees, executors, curators etc.

e) Taxation of beneficiaries of trusts and estates;

f) Residents or non-residents of South Africa who have earned more than 50% of their income outside the borders of South Africa;

g) Income earned in another currency other than South African Rand;

h) Income earned from a company or juristic entity not registered within South Africa;

i) Any other form of taxation including, but not limited to customs & excise queries, VAT etc.;

j) Making payment arrangements on your behalf for any outstanding amounts owing to SARS;

k) Applications for tax directives and tax clearance certificates on your behalf or on behalf of juristic persons.

l) Any tax matter incurring insurance benefits by or against SARS;

m) Where You are not resident within the borders of South Africa;

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Exclusions

33. Income tax matters regarding:

a) Provisional taxpayers;

b) Juristic persons/entities, including but not limited to sole proprietors;

c) A matter in your capacity as directors of companies, members of close corporations, partners in partnerships or any participant/business partner involved in a relationship considered to be business and that conducts a trade or business or any business combination;

d) Taxation of trusts, estates and body corporates;

e) Taxation of persons acting in any representative capacity for example trustees, executors, curators etc.

f) Taxation of beneficiaries of trusts and estates;

g) Residents or non-residents of South Africa who have earned more than 50% of their income outside the borders of South Africa;

h) Income earned in another currency other than South African Rand;

i) Income earned from a company or juristic entity not registered within South Africa;

j) Any other form of taxation including, but not limited to customs & excise queries, VAT etc.;

k) Making payment arrangements on your behalf for any outstanding amounts owing to SARS;

l) Applications for tax directives and tax clearance certificates on your behalf or on behalf of juristic persons.

m) Any tax matter incurring insurance benefits by or against SARS;

n) Taxable income greater than R1 million per annum whether registered as a provisional taxpayer or not;

o) Where You are not resident within the borders of South Africa;

Clause 7.11 added

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Legal Expenses We Pay

1. As long as you remain a Paid-Up Member, the fees and expenses of Your Lawyer for a Case at Our Tariffs in force from time to time. The Tariffs are part of the Agreement;

"Case" means all Court, Tribunal or Arbitration Proceedings based on the same Relevant Events.

"Arbitration Proceedings" mean arbitration proceedings in terms of the Arbitration Act 42 of 1965.

2. Only if We agree in writing, the fees of a Lawyer for a 2nd opinion about Your chances of success. Generally, We will consider it only if new facts or circumstances are presented;

3. The cost of expert evidence and arbitrator's fees that We agree to in writing;

4. Court fees or charges;

5. The legal expenses that the court orders You to pay to the other party (Your opponent) if You lose a Case;

6. The legal expenses of further action to force an unwilling or unable "loser" to obey a court order when You win a Case;

7. The legal expenses of an appeal or review if You lose a Case, but only if Your Lawyer agrees that Your chances of succeeding in the appeal or review are better than not succeeding;

8. If We have agreed to it, the costs of Your opponent in order to settle a Case;

9. The Legal Expenses Accidental Death cash payment is for the reporting and winding up of the deceased estate, dealing with debtors (including Workman's Compensation and the Road Accident Fund if applicable) and creditors (including estate duty) and obtaining expert financial legal and tax advice. The amount is shown in Your Schedule of Insurance.

10. We only pay legal expenses for a Case conducted and concluded in a court or tribunal in the RSA in respect of Relevant Events that happened in the RSA. "Conducted and concluded" means that the Case is initiated and finalised in a court in the RSA, which includes execution steps and any recovery associated with a Case.

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Legal Expenses We Pay

1. As long as you remain a Paid-Up Member, the fees and expenses of Your Lawyer for a Case at Our Tariffs in force from time to time. The Tariffs are part of the Agreement;

"Case" means all Court, Tribunal or Arbitration Proceedings based on the same Relevant Events.

"Arbitration Proceedings" mean arbitration proceedings in terms of the Arbitration Act 42 of 1965.

2. Only if We agree in writing, the fees of a Lawyer for a 2nd opinion about Your chances of success. Generally, We will consider it only if new facts or circumstances are presented;

3. The cost of expert evidence and arbitrator's fees that We agree to in writing;

4. Court fees or charges;

5. The legal expenses that the court orders You to pay to the other party (Your opponent) if You lose a Case;

6. The legal expenses of further action to force an unwilling or unable "loser" to obey a court order when You win a Case;

7. The legal expenses of an appeal or review if You lose a Case, but only if Your Lawyer agrees that Your chances of succeeding in the appeal or review are better than not succeeding;

8. If We have agreed to it, the costs of Your opponent in order to settle a Case;

11. We may consider the paying of legal expenses of a previously repudiated matter on the basis that Your chances of success were not better than not succeeding and the matter proceeded to Court and You won the matter.

Clause 9.5 added

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What Expenses We can Claim Back or Restrict

1. If a court orders Your opponent who loses a Case to pay all or some of Your legal expenses, then, if the amount that Your opponent must pay:

a) Is less than the legal expenses We paid, the total amount paid by Your opponent must be refunded to Us;

b) Is more than the legal expenses We paid, the total legal expenses We paid must be refunded to Us.

2. You agree that Your lawyer can refund Us when the money is received from Your opponent in terms of the Court Order.

3. If Your opponent does not pay for any reason, You give Us the right to claim it directly from that opponent in Your name.

4. We may at our discretion, require You at any time before or after payment of a claim to cede to Us any contingent, future or actual right to claim any costs in respect of any proceedings covered by this Agreement.

5. We must be advised immediately if You receive a settlement offer. You may not accept or reject a settlement offer without Our written consent.

a) If You request Our consent to accept an offer, We may agree on condition that all or some of the legal expenses We paid, must be recovered from Your opponent.

b) If You request Our consent to reject an offer, We will set a limit on the legal expenses We will pay to carry on, as follows:

- Because the dispute is now only about how much more You claim, We determine how much more We will pay to carry on as follows:

- We multiply the amount or value of how much more You claim, by the Claim Value Multiplier, shown in Your Schedule of Insurance. We will pay up to that amount provided the Maximum Limit in terms of Section 10 is not exceeded. (see diagram in the next section "The Maximum Limits We Pay")

6. If You are covered against payment of legal fees under any other insurance policy our liability shall be limited to the prorated (rateable) portion of the total legal expenses incurred. (see diagram in the next section "The Maximum Limits We Pay").

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What Expenses We can Claim Back or Restrict - added new clause 5 and number correction

1. If a court orders Your opponent who loses a Case to pay all or some of Your legal expenses, then, if the amount that Your opponent must pay:

a) Is less than the legal expenses We paid, the total amount paid by Your opponent must be refunded to Us;

b) Is more than the legal expenses We paid, the total legal expenses We paid must be refunded to Us.

2. You agree that Your lawyer can refund Us when the money is received from Your opponent in terms of the Court Order.

3. If Your opponent does not pay for any reason, You give Us the right to claim it directly from that opponent in Your name.

4. We may at Our absolute discretion offer a cession of the Member's claim at any stage of proceedings, if We believe that the cession would lead to a speedy and appropriate resolution to the matter.

5. We may at Our discretion, require You at any time before or after payment of a claim to cede to Us any contingent, future or actual right to claim any costs in respect of any proceedings covered by this Agreement.

6. We must be advised immediately if You receive a settlement offer. You may not accept or reject a settlement offer without Our written consent.

a) If You request Our consent to accept an offer, We may agree on condition that all or some of the legal expenses We paid, must be recovered from Your opponent.

b) If You request Our consent to reject an offer, We will set a limit on the legal expenses We will pay to carry on, as follows:

- Because the dispute is now only about how much more You claim, We determine how much more We will pay to carry on as follows:

7. If You are covered against payment of legal fees under any other insurance policy our liability shall be limited to the prorated (rateable) portion of the total legal expenses incurred. (see diagram in the next section "The Maximum Limits We Pay").

OPTIONAL ADDENDUMS

A) Uncontested Divorce e) removed

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Uncontested Divorce

a) This benefit is only available to the Main Member.

b) This benefit covers uncontested divorces where parties reach a consensus on all issues, eliminating the need for court intervention. For example, agreement on asset division, children's rights, custody, and other terms are achieved amicably.

c) This benefit applies exclusively to uncontested divorce matters, including settlement agreements. Please refer to Section 1(i) of Our Membership Agreement for the definition of "spouse".

d) We will pay the appointed Lawyer's fees for obtaining a final divorce order.

e) There is a continuous 18 (eighteen) months waiting period of Paid-Up Platinum Membership.

f) We will pay for only 1 (one) uncontested divorce over a continuous 36 (thirty-six) month period of Paid-Up Platinum Membership.

g) If an initially uncontested divorce becomes opposed, cover continues as per our Platinum Schedule of Tariffs until the matter becomes opposed.

h) Terminating the mandate during an uncontested divorce ceases our responsibilities and cover from the date of termination. We will pay as per the Platinum Schedule of Tariffs up to the point of termination of the mandate.

i) Exclusions:

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Uncontested Divorce

a) This benefit is only available to the Main Member.

c) This benefit applies exclusively to uncontested divorce matters, including settlement agreements. Please refer to Section 1(i) of Our Membership Agreement for the definition of "spouse".

d) We will pay the appointed Lawyer's fees for obtaining a final divorce order.

e) We will pay for only 1 (one) uncontested divorce over a continuous 36 (thirty-six) month period of Paid-Up Platinum Membership.

f) If an initially uncontested divorce becomes opposed, cover continues as per our Platinum Schedule of Tariffs until the matter becomes opposed.

g) Terminating the mandate during an uncontested divorce ceases our responsibilities and cover from the date of termination. We will pay as per the Platinum Schedule of Tariffs up to the point of termination of the mandate.

h) Exclusions:

OPTIONAL ADDENDUMS

B) Child Maintenance a) cosmetic change and d) removed

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Child Maintenance

a) This benefit is only available to the Main Member.

b) The benefit covers the various proceedings regarding the application/opposition of Child Maintenance matters such as Application, Opposition, Rescission, and Variations of court orders.

c) We will pay the appointed Lawyer's fees:

- for consultations;

- to draft the relevant Court documents;

- for appearances at the Maintenance Officer and appearances in the Maintenance Court as per Our Platinum Schedule of Tariffs.

d) There is a continuous 12 (twelve) month waiting period of Paid-Up Platinum Membership.

e) We will pay for only 1 (one) maintenance matter over a continuous 24 (twenty-four) month period of Paid-Up Platinum Membership.

f) If You enjoyed cover under the Uncontested Divorce Benefit, You are covered for only 1 (one) maintenance matter over a continuous 24 (twenty-four) month period of Paid-Up Platinum Membership.

g) Exclusions:

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Child Maintenance

a) This benefit is available to the Main Member only.

b) The benefit covers the various proceedings regarding the application/opposition of Child Maintenance matters such as Application, Opposition, Rescission, and Variations of court orders.

c) We will pay the appointed Lawyer's fees:

- for consultations;

- to draft the relevant Court documents;

- for appearances at the Maintenance Officer and appearances in the Maintenance Court as per Our Platinum Schedule of Tariffs.

d) We will pay for only 1 (one) maintenance matter over a continuous 24 (twenty-four) month period of Paid-Up Platinum Membership.

e) If You enjoyed cover under the Uncontested Divorce Benefit, You are covered for only 1 (one) maintenance matter over a continuous 24 (twenty-four) month period of Paid-Up Platinum Membership.

f) Exclusions:

OPTIONAL ADDENDUMS

C) Rescission of Administration Orders and Debt Review Orders d) removed

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Rescission of Administration Orders and Debt Review Orders

a) This benefit is only available to the Main Member.

b) This benefit involves cancelling or setting aside a judgment or court order for Administration Orders and Debt Review Orders, legally known as a rescission order.

c) We will pay the appointed Lawyer's fees to rescind (cancel) an administration order against You.

d) There is a continuous 12 (twelve) month waiting period of Paid-Up Platinum Membership.

e) We will pay for 1 (one) rescission matter over a 24 (twenty-four) month continuous period of Paid-Up Platinum Membership.

f) Exclusions:

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C) Rescission of Administration Orders and Debt Review Orders

a) This benefit is only available to the Main Member.

b) This benefit involves cancelling or setting aside a judgment or court order for Administration Orders and Debt Review Orders, legally known as a rescission order.

c) We will pay the appointed Lawyer's fees to rescind (cancel) an administration order against You.

d) We will pay for 1 (one) rescission matter over a 24 (twenty-four) month continuous period of Paid-Up Platinum Membership.

e) Exclusions:

OPTIONAL ADDENDUMS

D) Ante Nuptial Contracts c) removed

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D) Ante Nuptial Contracts

a) This benefit is only available to the Main Member.

b) This benefit covers You exclusively for the drafting, lodgement, and execution of an Ante-Nuptial Contract (ANC) in South Africa, regulating the terms and conditions of a marriage between prospective spouses.

c) There is a continuous 12 (twelve) month waiting period of Paid-Up Platinum Membership.

d) We will pay for 1 (one) Ante nuptial contract over a 36 (thirty-six) month period of continuous Paid-Up Platinum Membership.

e) We will pay the appointed notary's fees to draft, lodge, and execute an Ante-Nuptial Contract in accordance with our Platinum Schedule of Tariffs.

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D) Ante Nuptial Contracts

a) This benefit is only available to the Main Member.

c) We will pay for 1 (one) Ante nuptial contract over a 36 (thirty-six) month period of continuous Paid-Up Platinum Membership.

d) We will pay the appointed notary's fees to draft, lodge, and execute an Ante-Nuptial Contract in accordance with our Platinum Schedule of Tariffs.

OPTIONAL ADDENDUMS

F) Municipal Services c) removed

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F) Municipal Services

a) This benefit is available to the Main Member and Spouse.

b) You are covered for the unlawful conduct OR failure by Local Government in respect of services and billing relating specifically to Your Place of Residence.

c) There is a 1 (one) month waiting period of Paid-up Platinum Membership for Municipal Services Benefit.

d) We will assist You with 1 (one) Municipal Services matter over a continuous 12 (twelve) month period of Platinum Paid-Up membership.

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F) Municipal Services

a) This benefit is available to the Main Member and Spouse.

b) You are covered for the unlawful conduct OR failure by Local Government in respect of services and billing relating specifically to Your Place of Residence.

c) We will assist You with 1 (one) Municipal Services matter over a continuous 12 (twelve) month period of Platinum Paid-Up membership.

OPTIONAL ADDENDUMS

New clause added

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Does not exist

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3. You will be entitled to the waiver of the Excess Amount Payable on all Labour matters.

NEW: Occupation Specific Extender (OSE)

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Does not exist

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Applicable to Policy A, B and C & Platinum

1. The Occupation Extender Addendum is available to Teachers, Health Care Professionals, and Enforcement Officers, and is subject to the terms of the Main Membership Agreement, except as modified in Your Schedule of Insurance and below, and while Your Membership is Paid-Up.

a) "Teacher" means a person employed as a permanent or temporary teacher of a private or public school or tertiary institution.

b) "Health Care Professional" excludes a medical practitioner and means a person who is employed to provide preventative, curative or rehabilitative health care services to the public and has a qualification from a University, University of Technology or College, is a registered member of a regulated Healthcare Body in the RSA and is authorised by law to provide the services mentioned.

c) "Enforcement Officer" means a person employed as a permanent Law Enforcement Officer in the South African Police Services, Metro Police Services, Department of Correctional Services, National Defence Force, or a Security Company registered as a member with the relevant industry body.

2. The Main Member can take out an Occupation Extender for an additional premium. A spouse can also be added for an additional premium, but both occupations must qualify under clause 1 above. Your Schedule of Insurance will reflect the premium/s for the member and spouse.

3. In consideration of the premium in force for this Addendum from time to time, the following Relevant Events (excluded in the Main Membership Terms), are included, subject to the conditions of this Addendum and all the other conditions in the Main Membership Agreement:

a) Your DEFAMATION, INSULT, VERBAL ABUSE, OR ANY OTHER INFRINGEMENT of Your personality, reputation, or dignity during the course and scope of Your employment as a Health Care Professional, Teacher, or Enforcement Officer.

b) You are entitled to the increased Maximum Limit for any matter listed in Section 4 and not excluded in Section 6 of the Main Membership Agreement, provided the Relevant Event occurred during the course and scope of Your duties as a Teacher, Health Care Professional or enforcement Officer.

4. In addition to the insured matters above, the following Emotional Support and Counselling Services are available to You:

a) Emotional Support and Counselling Services provided by suitably qualified professionals (including counsellors), appointed and / or approved by us. (Not psychological or psychiatric) for:

• Marital conflicts
• Family-related challenges
• Grief and bereavement
• Various forms of abuse
• Stress management
• Child behaviour issues

Conditions and Restrictions

a) The Relevant Events in BOLD CAPITAL LETTERS in 3 above must happen after the Waiting Period shown in Your Schedule of Insurance.

b) This Insurance benefit:

- Under 3 a) is in Our sole discretion and may be withdrawn any time.
- The benefits under 3 a) and 3 b) are available only to the Main Member and if selected as an option, the Main Member's Spouse.

c) We will only pay Your legal expenses for action in the Lower Divisions and the Magistrate's Court Regional Division.

d) Legal expenses for an appeal will be paid only if Your Lawyer confirmed in writing, before starting the appeal process, that You had a better chance than not of succeeding with Your appeal.

e) You are entitled to the Insurance benefit under Clause 2 of this Addendum a maximum number of times in every continuous period of Paid-Up premiums for this Addendum. The Maximum Number of Times and Continuous Period are shown in Your Schedule of Insurance.

f) The Maximum Limit for this Addendum is reflected in Your Schedule of Insurance.

h) Conditions for Accessing Emotional Support and Counselling Services, include:

• During the consultation, a Scorpion Legal Counsellor will assess Your needs. If Emotional Support and Counselling Services are required, the matter will be referred to the Scorpion Community Connection Department, which acts as a gatekeeper between Scorpion and Our appointed service provider.
• The Community Connection Department will assess whether the matter qualifies for Emotional Support and Counselling services and, if applicable, refer the case to the provider.
• Direct contact with the service provider is not permitted; all referrals must go through the Community Connection Department.
• You are entitled to the number of virtual sessions per matter per annum as reflected in Your Schedule of Insurance, which may include WhatsApp, telephonic, or virtual meeting consultations. Additional consultations will incur a fee, payable directly by You.
• It is essential to honour scheduled appointments. Failure to attend without a valid reason may result in termination of access to this benefit.

Date added: 12 May 2026

IMPORTANT CHANGES TO LEGAL MEMBERSHIP

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