https://www.oldmutual.co.za/component---src-templates-ra-application-page-js-0f20d48f4f57c59dcf43.js

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Number",required:!0,size:"full","form-id":"personalDetailsForm",name:"phoneNumber",align:"left",validationDelay:h.U,value:p.value,state:p.status,errorMessage:p.error,onPersist:t=>e((0,f.sY)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"email",placeholder:"Email",required:!0,size:"full","form-id":"personalDetailsForm",name:"email",align:"left",validationDelay:h.U,value:E.value,state:E.status,errorMessage:E.error,onPersist:t=>e((0,A.yJ)(t.detail))}),l.createElement("h6",{className:"medium"},"Residential address details"),l.createElement(c.OHw,{isSensitive:!0,id:"complex",placeholder:"Complex/building",required:!0,size:"full","form-id":"personalDetailsForm",name:"complex",align:"left",validationDelay:h.U,value:O.value,state:O.status,errorMessage:O.error,onPersist:t=>e((0,A.yB)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"streetAddress",placeholder:"Street 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code",required:!0,size:"full","form-id":"personalDetailsForm",name:"postalCode",align:"left",validationDelay:h.U,value:I.value,state:I.status,errorMessage:I.error,onPersist:t=>e((0,A.o4)(t.detail))}),l.createElement(c.N6P,{"use-native-mobile-dropdown":!0,id:"country",required:!0,filterable:!0,size:"full","form-id":"personalDetailsForm",placeholder:"Country",name:"country",align:"left",value:C.value,state:C.status,errorMessage:C.error,options:W&&JSON.stringify(W.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,A.yi)(t.detail.id))}),l.createElement("p",{className:"form-text"},"Is your postal address the same?"),l.createElement(c.n78,{id:"postalAddressSame",value:t.value,groupName:"postalAddressSameGroup",onOnSelection:t=>e((0,A.dx)("true"===t.detail))},l.createElement("ul",{slot:"list-items"},[{value:!0,description:"YES"},{value:!1,description:"NO"}].map((e,t)=>l.createElement("li",{value:e.value,key:t},e.description)))),l.createElement(c.pdE,{message:t.error}),!1===t.value&&l.createElement("div",null,l.createElement("p",{className:"form-text"},"Select your preferred postal method"),l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"postalAddressMethod",required:!0,size:"full","form-id":"personalDetailsForm",name:"postalAddressMethod",align:"left",errorMessagePopupAlignment:"left",value:ae,state:a.status,errorMessage:a.error,options:J&&JSON.stringify(J.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>(t=>{t!==a.value&&e((0,A._P)(t))})(t.detail.id)}),te&&l.createElement("p",{className:"form-text"},"Please complete the following:"),a.value===X.code&&l.createElement("div",null,l.createElement(c.OHw,{isSensitive:!0,id:"postalComplex",placeholder:"Complex/building",required:!0,size:"full","form-id":"personalDetailsForm",name:"postalComplex",align:"left",validationDelay:h.U,value:F.value,state:F.status,errorMessage:F.error,onPersist:t=>e((0,A.dA)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"postalStreetAddress",placeholder:"Street 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code",required:!0,size:"full","form-id":"personalDetailsForm",name:"postalPostalCode",align:"left",validationDelay:h.U,value:L.value,state:L.status,errorMessage:L.error,onPersist:t=>e((0,A.x9)(t.detail))}),l.createElement(c.N6P,{id:"postalCountry",useNativeMobileDropdown:!0,required:!0,filterable:!0,size:"full","form-id":"personalDetailsForm",placeholder:"Country",name:"postalCountry",align:"left",errorMessagePopupAlignment:"left",value:B.value,state:B.status,errorMessage:B.error,options:W&&JSON.stringify(W.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,A.zO)(t.detail.id))})),a.value===$.code&&l.createElement("div",null,l.createElement(c.OHw,{isSensitive:!0,id:"poBox",placeholder:"PO box",required:!0,size:"full","form-id":"personalDetailsForm",name:"poBox",align:"left",validationDelay:h.U,value:U.value,state:U.status,errorMessage:U.error,onPersist:t=>e((0,A.yg)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"poPostOffice",placeholder:"Post office",required:!0,size:"full","form-id":"personalDetailsForm",name:"poPostOffice",align:"left",validationDelay:h.U,value:R.value,state:R.status,errorMessage:R.error,onPersist:t=>e((0,A.bX)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"poPostalCode",placeholder:"Postal code",required:!0,size:"full","form-id":"personalDetailsForm",name:"poPostalCode",align:"left",validationDelay:h.U,value:H.value,state:H.status,errorMessage:H.error,onPersist:t=>e((0,A.Bm)(t.detail))}),l.createElement(c.N6P,{id:"poCountry",useNativeMobileDropdown:!0,required:!0,filterable:!0,size:"full","form-id":"personalDetailsForm",placeholder:"Country",name:"poCountry",align:"left",errorMessagePopupAlignment:"left",value:Y.value,state:Y.status,errorMessage:Y.error,options:W&&JSON.stringify(W.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,A.NE)(t.detail.id))})),a.value===ee.code&&l.createElement("div",null,l.createElement(c.OHw,{isSensitive:!0,id:"privateBag",placeholder:"Private bag number",required:!0,size:"full","form-id":"personalDetailsForm",name:"privateBag",align:"left",validationDelay:h.U,value:z.value,state:z.status,errorMessage:z.error,onPersist:t=>e((0,A.$b)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"privatePostOffice",placeholder:"Post office",required:!0,size:"full","form-id":"personalDetailsForm",name:"privatePostOffice",align:"left",validationDelay:h.U,value:q.value,state:q.status,errorMessage:q.error,onPersist:t=>e((0,A.Xd)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,id:"privatePostalCode",placeholder:"Postal code",required:!0,size:"full","form-id":"personalDetailsForm",name:"privatePostalCode",align:"left",validationDelay:h.U,value:V.value,state:V.status,errorMessage:V.error,onPersist:t=>e((0,A.DB)(t.detail))}),l.createElement(c.N6P,{id:"privateCountry",useNativeMobileDropdown:!0,required:!0,filterable:!0,size:"full","form-id":"personalDetailsForm",placeholder:"Country",name:"privateCountry",align:"left",errorMessagePopupAlignment:"left",value:Q.value,state:Q.status,errorMessage:Q.error,options:W&&JSON.stringify(W.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,A.FG)(t.detail.id))}))))))};var _=()=>l.createElement(c.yTu,{name:"maxAdded",dismissible:!0},l.createElement("div",{slot:"content"},l.createElement("p",null,l.createElement("strong",null,"Unfortunately,")," you are only allowed to add up to 10 beneficiaries online.")),l.createElement("div",{slot:"button"},l.createElement(v.A,{type:"primary",size:"small",text:"OKAY"}))),M=a(29846),P=a(72891);var I=()=>{const e=(0,n.wA)(),{removeId:t}=(0,n.d4)((0,r.j8)({removeId:P.Eo}));return l.createElement(c.yTu,{name:"removeModal",dismissible:!0},l.createElement("div",{slot:"content"},l.createElement(c.GQU,{"image-url":"https://eu-images.contentstack.com/v3/assets/blt0554f48052bb4620/bltc34f1c6e32fb7291/5ec3d2d2a4bead4101d1941f/TrashSVG.svg"}),l.createElement("p",null,"Are you sure you want to remove this beneficiary?")),l.createElement("div",{slot:"button"},l.createElement(v.A,{type:"primary",size:"small",text:"YES, REMOVE",onClick:()=>(e((0,M.hJ)(t)),void e((0,M.Wj)(null)))})))};

1var C=()=>{const e=(0,n.wA)(),{open:t}=(0,n.d4)((0,r.j8)({open:P.lB}));return l.createElement(c.dfI,{onOnSideDrawerClosed:()=>e((0,M.bD)()),open:t},l.createElement("div",{slot:"side-drawer-content"},l.createElement("div",null,l.createElement("h5",{className:"no-top-margin"},l.createElement("strong",null," Allocation of benefits ")),l.createElement("p",null,"In terms of legislation, the trustees of the Retirement Fund i.e. South African Retirement Annuity Fund (SARAF), will decide how the benefits of the policy will be allocated between your dependants and/or your nominated beneficiaries. This means that the trustees may not necessarily pay out the benefits according to your elected beneficiary nomination. Your nomination will, however, be considered."),l.createElement("p",null,"Benefits will be paid to your nominated beneficiaries provided that your estate is solvent and your dependants and any estate debt have been taken care of first. Where no legal dependents exist, benefits shall be allocated to the nominated beneficiaries."))))};var F=()=>{const e=(0,n.wA)(),{open:t,editBeneficiaryFormIsValid:a,editId:i,title:o,firstName:s,surname:m,dateOfBirth:u,gender:d,mobileNumber:p,email:f,referenceTitles:y,referenceGenders:b}=(0,n.d4)((0,r.j8)({open:P.qR,editBeneficiaryFormIsValid:P.E$,editId:P.xc,title:P.LK,firstName:P.O4,surname:P.EZ,dateOfBirth:P.db,gender:P.o_,mobileNumber:P.W6,email:P.hS,referenceTitles:g.TY,referenceGenders:g.OR})),w=()=>{e((0,M.eS)()),e((0,M.L_)())};return l.createElement(c.dfI,{onOnSideDrawerClosed:()=>w(),open:t},l.createElement("div",{slot:"side-drawer-content"},l.createElement(c.VQJ,null,l.createElement("div",null,l.createElement("h5",{className:"no-top-margin side-drawer-header"},null==i?l.createElement("strong",null," Add beneficiary details "):l.createElement("strong",null," Edit beneficiary details ")),l.createElement(c.N6P,{useNativeMobileDropdown:!0,required:!0,className:"inline-field",size:"small","form-id":"beneficiaryDetails",placeholder:"Title",name:"title",align:"left",value:o.value,state:o.status,errorMessage:o.error,options:y&&JSON.stringify(y.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,M.QH)(t.detail.id))}),l.createElement(c.OHw,{isSensitive:!0,placeholder:"First name(s)",required:"true",size:"full","form-id":"beneficiaryDetails",name:"firstName",validationDelay:h.U,value:s.value,state:s.status,errorMessage:s.error,onPersist:t=>e((0,M.BI)(t.detail))}),l.createElement(c.OHw,{isSensitive:!0,placeholder:"Surname",required:"true",size:"full","form-id":"beneficiaryDetails",name:"surname",validationDelay:h.U,value:m.value,state:m.status,errorMessage:m.error,onPersist:t=>e((0,M.TN)(t.detail))}),l.createElement(c.OHw,{placeholder:"Date of birth",required:!0,size:"full","form-id":"beneficiaryDetails",name:"dateOfBirth",mask:"date","keyboard-mode":"numeric",validationDelay:h.U,value:u.value,state:u.status,errorMessage:u.error,onPersist:t=>e((0,M.cZ)(t.detail))}),l.createElement(c.N6P,{useNativeMobileDropdown:!0,className:"inline-field",required:!0,size:"small","form-id":"beneficiaryDetails",placeholder:"Gender",name:"gender",align:"left",value:d.value,state:d.status,errorMessage:d.error,options:b&&JSON.stringify(b.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,M.Jz)(t.detail.id))}),l.createElement("h6",{className:"no-bottom-margin"}," ","Please supply at least one of the following:"," "),l.createElement("div",{className:"mobile-field"},l.createElement(c.aP5,{validationDelay:h.U,value:p.value,state:p.status,errorMessage:p.error,onOnPersist:t=>e((0,M.sY)(t.detail)),hintText:p.status===E.wK.VALID?"":"Remember to add “0” in front of your mobile number. E.g. 082 123 4567"})),l.createElement(c.OHw,{isSensitive:!0,placeholder:"Email",required:!0,size:"full","form-id":"beneficiaryDetails",name:"email","keyboard-mode":"email",validationDelay:h.U,value:f.value,state:f.status,errorMessage:f.error,onPersist:t=>e((0,M.yJ)(t.detail))})),l.createElement("div",{className:"action-buttons"},l.createElement(v.A,{className:"cancel-button",size:"small",type:"text",text:"CANCEL",onClick:()=>w()}),l.createElement(v.A,{className:"save-button",size:"small",type:"primary",text:"SAVE BENEFICIARY",onClick:()=>(a&&e((0,M.eS)()),void e((0,M.R)(i)))})))))};var D=()=>{const e=(0,n.wA)();return l.createElement("div",null,l.createElement("h5",{className:"no-top-margin"},"Why you should ",l.createElement("span",{className:"medium"}," add a beneficiary ")),l.createElement("ul",{className:"trustees"},l.createElement("li",null,"In the unfortunate event that you pass away before you retire, you may 

1nominate one or more individuals as beneficiaries to the value of your funds."),l.createElement("li",null,"However, trustees of the retirement fund will have the final say over who will receive the funds.",l.createElement("a",{className:"highlight-read-more medium",onClick:()=>e((0,M.bD)())},"Read more"))))};var x=e=>{let{beneficiaryList:t,editHandler:a,removeHandler:n}=e;return l.createElement(c.enR,{count:t.length,className:"sessioncamhidetext"},l.createElement("div",{slot:"beneficiary-cards"},t&&t.map((e,t)=>l.createElement(c.yxf,{key:t,number:t+1,name:e.value.firstName.value,surname:e.value.surname.value,onPopupModal:()=>n(e.id),onEditBeneficiary:()=>a(e.id)}))))};var k=()=>{const e=(0,n.wA)(),{beneficiaryList:t}=(0,n.d4)((0,r.j8)({beneficiaryList:P.Kc}));return l.createElement("div",null,l.createElement("h5",{className:"no-top-margin"},"Your ",l.createElement("span",{className:"medium"}," beneficiary list ")),l.createElement(x,{beneficiaryList:t,editHandler:t=>(t=>{e((0,M.cY)(t)),e((0,M.eS)())})(t),removeHandler:t=>(t=>{e((0,M.aY)()),e((0,M.Wj)(t))})(t)}))};var L=e=>{let{beneficiaryList:t,beneficiaryListStatus:a,totalPercentage:n,splitError:r,isEvenSplit:i,splitFields:o,checkBoxChangedHandler:s,inputPersistHandler:m}=e;return l.createElement(c.enR,{evenSplit:i,totalPercentage:n,errorMessage:r,state:a,onCheckBoxChanged:()=>s()},l.createElement("div",{slot:"beneficiary-cards"},t&&t.map((e,t)=>l.createElement(c.c9b,{id:t,key:t,number:t+1,name:e.value.firstName.value,surname:e.value.surname.value,errorMessage:o[t].error},l.createElement(c.OHw,{maxLength:"2",slot:"percentage-input",align:"center",name:"percentage",keyboardMode:"numeric",value:o[t].value,state:o[t].status,onPersist:t=>m(t.detail,e.id)})))))},B=a(93888),U=a(97887);var R=()=>{const e=(0,n.wA)(),{beneficiaryList:t,formStatusIsValid:a,splitFieldArray:i,totalPercentage:o,splitError:s,isEvenSplit:c}=(0,n.d4)((0,r.j8)({beneficiaryList:P.Kc,formStatusIsValid:U.JB,splitFieldArray:U._S,totalPercentage:U.T0,splitError:U.Lv,isEvenSplit:U.nZ}));return l.createElement("div",null,l.createElement("h5",{className:"no-top-margin"},"Split your ",l.createElement("span",{className:"medium"}," investment between your beneficiaries ")),l.createElement(L,{beneficiaryList:t,beneficiaryListStatus:a?"valid":"error",totalPercentage:o,splitError:s,isEvenSplit:c,splitFields:i,checkBoxChangedHandler:()=>(()=>{if(c)return e((0,B.er)()),void e((0,B.lP)());e((0,B.Le)())})(),inputPersistHandler:(t,a)=>e((0,B.wc)(t,a))}))};var H=()=>{const e=(0,n.wA)(),{showBeneficiarySplitScreen:t,numberOfBeneficiaries:a,addedMaxBeneficiaries:i}=(0,n.d4)((0,r.j8)({showBeneficiarySplitScreen:P.fB,numberOfBeneficiaries:P.YB,addedMaxBeneficiaries:P.Wy}));return l.createElement(c.rz2,null,l.createElement(C,null),l.createElement(F,null),l.createElement(I,null),l.createElement(_,null),l.createElement("div",null,t?l.createElement(R,null):l.createElement("div",null,0===a?l.createElement(D,null):l.createElement(k,null),l.createElement(c.vN1,{className:"add-beneficiary-button",iconName:"add",text:"ADD BENEFICIARY",onButtonClicked:()=>{i?e((0,M.eB)()):(e((0,M.by)()),e((0,M.eS)()))},actionType:i}))))},Y=a(79363),z=a(76608);var q=()=>{const e=(0,n.wA)(),{paymentAuthorizationValid:t,paymentAuthorizationInvalid:a,bankName:i,accountHolderName:o,accountNumber:s,accountType:m,debitOrderDay:u,startMonth:d,referenceBanks:p,referenceBankAccountTypes:f,referenceMonths:E,referenceDates:y,paymentDetailsCompleted:v}=(0,n.d4)((0,r.j8)({paymentAuthorizationValid:z.AC,paymentAuthorizationInvalid:z.Bp,bankName:z.Am,accountHolderName:z.zC,accountNumber:z.HA,accountType:z.U8,debitOrderDay:z.T9,startMonth:z.h,referenceBanks:g.TM,referenceBankAccountTypes:g.mR,referenceMonths:z.dT,referenceDates:z.Tv,paymentDetailsCompleted:z.c7}));return l.createElement("div",null,l.createElement("h4",{className:"heading",id:"account-details-anchor"},"Now, we'd like to know ",l.createElement("strong",null,"your payment details")),l.createElement("p",{className:"subheading"},"We need the following information to setup your contract."),l.createElement("section",{className:"form"},l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"bankName",required:!0,"form-id":"paymentDetailsForm",placeholder:"Bank name",name:"bankName",align:"left",value:i.value,state:i.status,errorMessage:i.error,options:p&&JSON.stringify(p.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.x3)(t.detail.id))}),l.createElement(c.OHw,{isSensitive:!0,id:"accountHolderName",placeholder:"Account holder name",required:!0,size:"full","form-id":"paymentDetailsForm",name:"accountHolderName",align:"left",validationDelay:h.U,value:o.value,state:o.status,errorMessage:o.error,onPersist:t=>{return a=t.detail,void(o.value!==a&&e((0,Y.Kq)(a)));var a}}),l.createElement(c.OHw,{isSensitive:!0,id:"accountNumber",placeholder:"Account number",required:"true",mask:"number",size:"full","form-id":"paymentDetailsForm",name:"accountNumber",align:"left",validationDelay:h.U,value:s.value,state:s.status,errorMessage:s.error,onPersist:t=>{return a=t.detail,void(s.value!==a&&e((0,Y.gh)(a)));var a}}),l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"accountType",required:"true","form-id":"paymentDetailsForm",placeholder:"Account type",name:"accountType",align:"left",value:m.value,state:m.status,errorMessage:m.error,options:f&&JSON.stringify(f.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.$O)(t.detail.id))}),l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"debitOrderDay",required:"true","form-id":"paymentDetailsForm",placeholder:"Select a day for your debit order","placeholder-as-label":"false",label:"Debit order date",name:"debitOrderDay",align:"left",value:u.value,state:u.status,errorMessage:u.error,options:y&&JSON.stringify(y.map(e=>({value:e.day,label:e.day}))),onOnSelect:t=>e((0,Y.sQ)(t.detail.id))}),l.createElement(c.N6P,{disabled:!(E.length>0),useNativeMobileDropdown:!0,id:"startMonth",required:!0,"form-id":"paymentDetailsForm",placeholder:"Select a start month","placeholder-as-label":"false",label:"Debit order starting month",name:"startMonth",align:"left",value:d.value,state:d.status,errorMessage:d.error,options:E&&JSON.stringify(E.map(e=>({value:e,label:e}))),onOnSelect:t=>e((0,Y.mb)(t.detail.id))}),l.createElement("div",{className:"check-box-container"},l.createElement(c.M1,{disabled:!v,text:"I hereby authorise Old Mutual to withdraw all contributions that I undertake to pay towards my Old Mutual Invest Plan from this bank account. I also confirm (1) that the account details are correct and (2) that I am authorised to give this instruction.",checked:t,onOnCheckBoxChanged:()=>e((0,Y.gi)())}),l.createElement(c.pdE,{message:a?"Authorization required to continue. ":""}))))};var V=()=>{const e=(0,n.wA)(),{employmentIndustryRequired:t,employmentIndustryOtherRequired:a,name:i,sourceOfFunds:o,employmentPosition:s,employmentPositionPip:m,prominentPerson:d,employmentIndustry:p,employmentIndustryOther:f,referenceEmploymentPositions:E,referenceEmploymentPositionsPip:y,referenceEmploymentIndustries:v,referenceSourceOfFunds:b}=(0,n.d4)((0,r.j8)({employmentIndustryRequired:z.w0,employmentIndustryOtherRequired:z.CP,name:u.mG,sourceOfFunds:z.HH,employmentPosition:z.CR,employmentPositionPip:z.Lm,prominentPerson:z.Kh,employmentIndustry:z.HQ,employmentIndustryOther:z.hV,referenceEmploymentPositions:g.YO,referenceEmploymentPositionsPip:g.Hu,referenceEmploymentIndustries:g.At,referenceSourceOfFunds:g.kP}));return l.createElement("div",{className:"legal-section",id:"legal-anchor"},l.createElement("h4",{className:"heading"},"Source of funds"),l.createElement("p",{className:"subheading"},i.value,", to protect you and fellow South Africans from fraud and money laundering, we need to know about your earnings."),l.createElement("section",{className:"form"},l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"sourceOfFunds",required:!0,"form-id":"paymentDetailsForm",placeholder:"Source of funds",name:"sourceOfFunds",align:"left",value:o.value,state:o.status,errorMessage:o.error,options:b&&JSON.stringify(b.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.Am)(t.detail.id))}),l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"employmentPosition",required:!0,"form-id":"paymentDetailsForm",placeholder:"What do you do for a living?",name:"employmentPosition",align:"left",value:s.value,state:s.status,errorMessage:s.error,options:E&&JSON.stringify(E.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.dB)(t.detail.id))}),t&&l.createElement(c.N6P,{useNativeMobileDropdown:!0,"v-show":"employmentIndustryRequired",id:"employmentIndustry",required:"true","form-id":"paymentDetailsForm",placeholder:"What industry do you work in?",name:"employmentIndustry",align:"left",value:p.value,state:p.status,errorMessage:p.error,options:v&&JSON.stringify(v.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.E$)(t.detail.id))}),a&&l.createElement(c.OHw,{id:"employmentIndustryOther",placeholder:"Please specify",required:!0,size:"full","form-id":"paymentDetailsForm",name:"employmentIndustryOther",align:"left",validationDelay:h.U,value:f.value,state:f.status,errorMessage:f.error,onPersist:t=>

1e((0,Y.o5)(t.detail))}),l.createElement("p",{className:"form-text"},"Are you a prominent person?"),l.createElement(c.n78,{id:"prominentPerson",value:d.value,groupName:"prominentPersonGroup",onOnSelection:t=>e((0,Y.HU)("true"===t.detail))},l.createElement("ul",{slot:"list-items"},[{value:!0,description:"Yes"},{value:!1,description:"No"}].map((e,t)=>l.createElement("li",{value:e.value,key:t},e.description)))),l.createElement(c.pdE,{message:d.error}),!0===d.value&&l.createElement("div",null,l.createElement(c.N6P,{useNativeMobileDropdown:!0,id:"employmentPositionPip",required:"true","form-id":"employmentPositionPip",placeholder:"What is your role?",name:"employmentPositionPip",align:"left",value:m.value,state:m.status,errorMessage:m.error,options:y&&JSON.stringify(y.map(e=>({value:e.code,label:e.description}))),onOnSelect:t=>e((0,Y.m_)(t.detail.id))}))))};var Q=e=>{let{open:t,buttonHandler:a}=e;return l.createElement(c.yTu,{name:"ErrorResponseModal",exitable:"false",open:t},l.createElement("div",{slot:"content"},l.createElement(c.GQU,{"image-url":"https://eu-images.contentstack.com/v3/assets/blt0554f48052bb4620/blt94f2cb596218bd62/5f2935c8ee8504335e705005/WRONG_CMOS.svg"}),l.createElement("h5",{className:"no-bottom-margin"},"Something looks wrong?"),l.createElement("h6",{className:"no-bottom-margin account-verification-text"},"Please re-enter your banking details. It appears that the details you have entered are incorrect or the account does not belong to you.")),l.createElement("div",{slot:"button"},l.createElement(v.A,{type:"primary",size:"large",text:"Try again",onClick:()=>a()})))};var j=e=>{let{open:t,buttonHandler:a}=e;return l.createElement(c.yTu,{name:"ErrorResponseModal",exitable:"false",open:t},l.createElement("div",{slot:"content"},l.createElement(c.GQU,{imageUrl:"https://eu-images.contentstack.com/v3/assets/blt0554f48052bb4620/blt7379af7d0a25dd73/5ee9f203557e3a516a2d9a29/desktop_monitor_smiley.svg"}),l.createElement("h5",{className:"no-top-margin no-bottom-margin"},"Oops!",l.createElement("br",null),"Something went wrong?"),l.createElement("h6",{className:"no-bottom-margin account-verification-text"},"It's not you, it’s us. Not to worry, we will be in contact with you shortly to help you proceed with your application.")),l.createElement("div",{slot:"button"},l.createElement(v.A,{type:"primary",size:"large",text:"Okay, thanks",onClick:()=>a()})))};var G=e=>{let{open:t,buttonHandler:a}=e;return l.createElement(c.yTu,{name:"successModal",dismissible:!0,open:t},l.createElement("div",{slot:"content"},l.createElement(c.GQU,{"image-url":"https://eu-images.contentstack.com/v3/assets/blt0554f48052bb4620/blt801513b7ef009be6/5f2935c8dfac843bffcdecfa/SUCCESS_CMOS.svg"}),l.createElement("h5",{className:"no-bottom-margin"},"All good to go!"),l.createElement("h6",{className:"no-bottom-margin account-verification-text"},"We have successfully verified your banking details.")),l.createElement("div",{slot:"button"},l.createElement(v.A,{type:"primary",size:"large",text:"Okay, thanks",onClick:()=>a()})))};var W=e=>{let{text:t,verticalAlign:a,open:n}=e;return l.createElement(c.Rw7,{loaderText:t,verticalAlignMiddle:a,open:n})};var J=e=>{let{entry:t}=e;const a=(0,n.wA)(),{accountValidationStatus:i,accountValidationComplete:s,displaySuccessModal:u}=(0,n.d4)((0,r.j8)({accountValidationStatus:z.B1,accountValidationComplete:z.Im,displaySuccessModal:z.BX}));return(0,l.useEffect)(()=>{t&&t.include_avs&&a((0,Y.n3)()),t&&t.include_cdv&&a((0,Y.Sd)())},[]),l.createElement(c.qAQ,null,l.createElement("div",null,l.createElement(q,null),s&&l.createElement(V,null)),l.createElement(W,{text:"Verifying your bank account details",verticalAlign:"true",open:i===m.dY.PENDING}),l.createElement(G,{open:u,buttonHandler:()=>{a((0,Y.T4)(m.dY.IDLE))}}),l.createElement(Q,{open:i===m.dY.FAILED,buttonHandler:()=>{a((0,Y.GG)())}}),l.createElement(j,{open:i===m.dY.ERROR,buttonHandler:()=>{a((0,Y.GG)()),(0,o.navigate)(m.qe)}}))};var K=e=>{let{fund:t}=e;return l.createElement("div",null,l.createElement("p",null,"The following is an example only, for illustrative purposes. We will send you a full EFFECTIVE ANNUAL COST document when we issue you your policy."),l.createElement("p",null,l.createElement("strong",null,"Example EAC—Assumes R1000 monthly investment for 20 years into the Old Mutual Balanced Fund")),l.createElement("p",null,l.createElement("strong",null,"Effective Annual Cost (EAC) calculation")),l.createElement("p",null,"The Effective Annual Cost (EAC) is a measure which has been introduced to allow you to compare the charges you incur and their impact on investment returns when you invest in different financial products. It is expressed as an annualised percentage of your investment amount. The EAC is made up of four charges, which are added together, as shown in the table below. Some of the charges may vary, depending on your investment period. The EAC calculation assumes that an investor terminates his or her investment in the financial product at the end of the relevant periods shown in the table."),l.createElement("table",{className:"eac-table"},l.createElement("thead",null,l.createElement("tr",null,l.createElement("th",{className:"column-1 change-column",rowSpan:"2"},l.createElement("p",{className:"medium"},l.createElement("strong",null," Impact of future charges"))),l.createElement("th",{colSpan:"4"},l.createElement("p",{className:"medium"},l.createElement("strong",null,"Investment assumed to end after")))),l.createElement("tr",{className:"header-row-2"},l.createElement("th",{className:"column-2"},l.createElement("p",{className:"small"},l.createElement("strong",null,"Next 1 Year"))),l.createElement("th",{className:"column-3"},l.createElement("p",{className:"small"},l.createElement("strong",null,"Next 3 Years"))),l.createElement("th",{className:"column-4"},l.createElement("p",{className:"small"},l.createElement("strong",null,"Next 5 Years"))),l.createElement("th",{className:"column-5"},l.createElement("p",{className:"small"},l.createElement("strong",null,"Next 10 Years"))))),l.createElement("tbody",null,l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Investment Management")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.3%")),l.createElement("td",{className:"column-3"},l.createElement("p",{className:"medium"},"1.3%")),l.createElement("td",{className:"column-4"},l.createElement("p",{className:"medium"},"1.3%")),l.createElement("td",{className:"column-5"},l.createElement("p",{className:"medium"},"1.3%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Advice")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"0.0%")),l.createElement("td",{className:"column-3"},l.createElement("p",{className:"medium"},"0.0%")),l.createElement("td",{className:"column-4"},l.createElement("p",{className:"medium"},"0.0%")),l.createElement("td",{className:"column-5"},l.createElement("p",{className:"medium"},"0.0%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Administration")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"6.8%")),l.createElement("td",{className:"column-3"},l.createElement("p",{className:"medium"},"3.7%")),l.createElement("td",{className:"column-4"},l.createElement("p",{className:"medium"},"3.0%")),l.createElement("td",{className:"column-5"},l.createElement("p",{className:"medium"},"2.4%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Other")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"0.0%")),l.createElement("td",{className:"column-3"},l.createElement("p",{className:"medium"},"0.0%")),l.createElement("td",{className:"column-4"},l.createElement("p",{className:"medium"},"-1.5%")),l.createElement("td",{className:"column-5"},l.createElement("p",{className:"medium"},"-1.4%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Effective annual cost taking into account this plan only")),l.createElement("td",{className:"column-2 last-row"},l.createElement("p",{className:"medium"},"8.1%")),l.createElement("td",{className:"column-3 last-row"},l.createElement("p",{className:"medium"},"5.0%")),l.createElement("td",{className:"column-4 last-row"},l.createElement("p",{className:"medium"},"2.9%")),l.createElement("td",{className:"column-5 last-row"},l.createElement("p",{className:"medium"}

1,"2.3%"))))),l.createElement("p",null,"For the purposes of calculating EAC, an assumption was made regarding the rate at which your premium will increase annually. The rate is currently 4.00%."),l.createElement("p",null,l.createElement("strong",null,"The different categories of charges can be explained as follows:")),l.createElement("p",null,l.createElement("strong",null,"Investment management charges")),l.createElement("p",null,"This category is a measure of the costs of managing the selected investment fund(s) chosen and is represented by the sum of the Total Expense Ratio (TER) and Transaction Costs (TC) applicable to the funds. These costs will include the asset management fees, any applicable performance fees and also the costs for trading the underlying assets."),l.createElement("p",null,"These charges are deducted from the investment fund(s) by the fund managers of the underlying investment fund(s). The percentage charge shown in the table is the average based on your first year's premium allocation across the investments funds chosen."),l.createElement("p",null,l.createElement("strong",null,"Advice charges")),l.createElement("p",null,"This category includes all charges for adviser remuneration that you pay to your adviser. Because this is an online sale, these charges are zero."),l.createElement("p",null,l.createElement("strong",null,"Administration charges")),l.createElement("p",null,"This category includes all charges you pay for the administration of the product. Refer to the charges section for full details."),l.createElement("p",null,l.createElement("strong",null,"Other charges")),l.createElement("p",null,"This category includes charges that do not fall into the previous three categories. For this plan, the following charge(s) is included in this category:"),l.createElement("ol",{className:"alpha-list"},l.createElement("li",null,"If you remain committed to your investment goals, you will receive Investment Boosters that are made up of the Optimal Booster and Monthly Booster. For more detail refer to the section on Investment Boosters. This will reduce the total EAC.")))};var Z=e=>{let{fund:t}=e;return l.createElement("div",null,l.createElement("p",null,l.createElement("strong",null,"Asset Charges: ")),l.createElement("p",null,"Initial Asset Plan Charge: 1.825% per year (nominal) as a % of each Investment Fund ",l.createElement("br",null),l.createElement("br",null),"Administration Charge: R26.00 per month"),l.createElement("ul",null,l.createElement("li",null,"There are no Premium Plan Charges. Should you wish to invest in certain external Unit Trust Funds in future, then a Premium Plan Charge may apply."),l.createElement("br",null),l.createElement("li",null,"The Asset Plan Charges are reflected in the table below:")),l.createElement("table",{className:"asset-plan-table"},l.createElement("thead",null,l.createElement("tr",null,l.createElement("th",{className:"column-1"},l.createElement("p",{className:"medium"},l.createElement("strong",null,"Fund Value Band"))),l.createElement("th",

1null,l.createElement("p",{className:"medium"},l.createElement("strong",null,"Asset Plan Charge per year (nominal)"))))),l.createElement("tbody",null,l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"First R62,400")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.825%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Next R37,600")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"2.325%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"Above R100,000")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"2.025%"))))),l.createElement("ul",null,l.createElement("li",null,"The Asset Plan Charge is paid to Old Mutual and is deducted monthly in arrears from each investment fund."),l.createElement("br",null),l.createElement("li",null,"The Asset Plan charge is lower when Investment Funds managed by the Old Mutual Investment Group (SA) are selected. The charge can be reduced by as much as 0.350% per year (nominal) for the proportion invested in these funds."),l.createElement("br",null),l.createElement("li",null,"The initial Asset Plan Charges are based on the initial net amount invested and the initial Investment Fund allocation."),l.createElement("br",null),l.createElement("li",null,"Subsequent Asset Plan Charges are based on the total fund value at the time one charge is deducted."),l.createElement("br",null),l.createElement("li",null,"Old Mutual determines the Asset Plan charges with reference to Fund Value bands. The rand value of the fund value bands will increase each year with inflation as determined by Old Mutual Life Assurance Company (South Africa) (OMLAC (SA))."),l.createElement("br",null),l.createElement("li",null,"The monthly Administration Charge of R26.00 will be deducted proportionally from the funds in your plan. This charge will be increased annually with inflation, at the discretion of Old Mutual."),l.createElement("br",null),l.createElement("li",null,"The above Asset Plan Charge currently does not include an adviser remuneration component. However, should adviser remuneration be paid in future, then a charge of 1.23% will be added. When adviser remuneration expenses are fully recovered, this charge will stop."),l.createElement("br",null)),l.createElement("p",null,l.createElement("strong",null,"Detail of fund fees and charges")),l.createElement("table",{className:"fees-table"},l.createElement("thead",null,l.createElement("tr",null,l.createElement("th",{className:"column-1 fees-column"},l.createElement("p",{className:"medium"},l.createElement("strong",null,"Fund Name"))),l.createElement("th",

1null,l.createElement("p",{className:"medium"},l.createElement("strong",null,"Asset Management Fee % (of fund value)"))))),l.createElement("tbody",null,l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},1===t?l.createElement(l.Fragment,null,l.createElement("strong",null,"Comfortable")," - ",l.createElement("br",null),"Old Mutual Balanced Fund"):l.createElement(l.Fragment,null,l.createElement("strong",null,"Adventurous")," - ",l.createElement("br",null),"Old Mutual Edge 28 Life Fund"))),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},1===t?"1.08%":"1.30%"))))),l.createElement("p",null,"Notes to your Investment Funds "),l.createElement("p",null,l.createElement("strong",null,"Asset Management Fees")),l.createElement("p",null,"The total asset management fee charged may vary depending on the performance of each fund relative to its objectives. Unless otherwise stated the asset management fee quoted is the fee applicable at the fund's benchmark. Actual fees payable could be less or more depending on the fund's performance.",l.createElement("br",null),l.createElement("br",null),"The basis on which performance fees are calculated varies from fund to fund and may change from time to time. Detail on the calculation of the performance fees are disclosed on the fund fact sheets which can be downloaded."),l.createElement("p",null,l.createElement("strong",null,"MORE ABOUT YOUR OPTIMAL INVESTMENT PLAN 1")),l.createElement("p",null,l.createElement("strong",null,"Investment Boosters")),l.createElement("ol",{className:"boldlist"},l.createElement("li",null,"Optimal Booster",l.createElement("br",null),l.createElement("span",{className:"nonbold"},"By staying committed to your investment goals in the first five years of your plan, you will then qualify for an Optimal Booster. This booster is calculated at 2.5% of your fund value and is payable on the day before the 5th anniversary of your plan.")),l.createElement("br",null),l.createElement("li",null,"Monthly Boosters",l.createElement("br",null),l.createElement("span",{className:"nonbold"},"You will also start receiving Monthly Boosters as per the table below:"))),l.createElement("table",{className:"monthly-booster-table"},l.createElement("thead",null,l.createElement("tr",null,l.createElement("th",{className:"column-1 plan-year-column"},l.createElement("p",{className:"medium"},l.createElement("strong",null,"Plan Year"))),l.createElement("th",

1null,l.createElement("p",{className:"medium"},l.createElement("strong",null,"Monthly Booster %"))))),l.createElement("tbody",null,l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"6-10")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.00%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"11-15")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.25%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"16-20")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.50%"))),l.createElement("tr",null,l.createElement("td",{className:"column-1"},l.createElement("p",{className:"medium"},"21-25")),l.createElement("td",{className:"column-2"},l.createElement("p",{className:"medium"},"1.75%"))))))},X=a(16724);var $=()=>{const{drawerOpen:e}=(0,n.d4)((0,r.j8)({drawerOpen:X.xI}));return l.createElement(c.dfI,{open:e},l.createElement("div",{slot:"side-drawer-content",className:"replacement-policy"},l.createElement("h5",{className:"no-top-margin"},l.createElement("strong",null,"Replacement Policy")),l.createElement("section",null,l.createElement("p",null,l.createElement("small",null,"- Certain charges may be incurred on the replacement policy, resulting in these charges and fees being paid twice, e.g. initial charges on the existing financial product and once again on the new product.")),l.createElement("p",null,l.createElement("small",null,"- Your new product may not have the same investment performance guarentees as the existing product.")),l.createElement("p",null,l.createElement("small",null,"- If you are cancelling a risk cover product to take out this specific product, you might not qualify for the same risk cover when you want to take it out again.")),l.createElement("p",null,l.createElement("small",null,"- The surrender value or paid-up value of the replaced product may be as low as 65% of the value before the change, and could be even less than premiums paid in since unrecovered initial expenses may first be deducted. Check what charges you will be paying if you end the existing product and see whether the advantages of the new product will make up for any such charges.")),l.createElement("p",null,l.createElement("small",null,"- The investment risk under the new product may be higher. Remember that the past performance of a fund or asset manager of a fund is not necessarily an indication of future performance.")))))};var ee=()=>{const{drawerOpen:e}=(0,n.d4)((0,r.j8)({drawerOpen:X.F7}));return l.createElement(c.dfI,{open:e},l.createElement("div",{slot:"side-drawer-content",className:"terms-and-conditions"},l.createElement("h5",{className:"no-top-margin"},l.createElement("strong",null,"Terms and Conditions")),l.createElement("section",null,l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Please make sure that you read the following Terms and Conditions carefully before confirming your acceptance thereof:"))),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"About this terms and conditions"),l.createElement("br",null),"This document explains the terms and conditions of the Max Optimal Retirement Annuity (RA) plan and explains the benefits payable. Once you have accepted these terms and conditions it will form part of the contract between Old Mutual Life Assurance Company (SA) Ltd (Old Mutual), you and SARAF. Once the plan has been issued Old Mutual will send you a set of documents with all the terms and conditions reflecting your membership with SARAF and important information related to the choices made by you throughout the application process. The full contract is made up of the plan Summary, Terms and Conditions, Application and declarations made by you.")),l.createElement("br",null),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"You will become a member of the South African Retirement Annuity Fund"))),l.createElement("ul",null,l.createElement("li",null,"By taking out this Retirement Annuity (RA) plan, you are automatically applying for membership of the South African Retirement Annuity Fund (SARAF). This is because your contributions will be invested for you by the Management Board of SARAF, in the RA plan. SARAF will be the official owner of the plan and will use its investment value to pay your retirement benef

1its to you (or your dependents) when the time comes."),l.createElement("li",null,"You become a member of SARAF once the trustees have accepted your application and your initial contribution has been received. As a SARAF member you will be bound by the Rules of the Fund. The Rules set out your entitlement to your retirement benefits as well as that of your dependents.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"How does Old Mutual fit into the picture?"))),l.createElement("ul",null,l.createElement("li",null,"Old Mutual underwrites all the benefits payable to members in terms of plans issued to SARAF. This means that for as long as the you as a member pay your contributions as agreed, Old Mutual will pay the benefits."),l.createElement("li",null,"Old Mutual is also the administrator of the Fund. This means that Old Mutual performs services on behalf of the SARAF board of trustees, such as collecting the contributions, providing members with an annual benefit statement and income tax certificates, call centre services and other online services.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Choosing your underlying investment funds"))),l.createElement("ul",null,l.createElement("li",null,"You have the option to choose the underlying investment funds in which your contributions will be invested. Make sure that you read the “Fund Fact Sheet” of each fund that you choose so that you understand the investment risk of your fund/s and the fees that apply to it."),l.createElement("li",null,"Depending on your choice of investment funds Old Mutual may experience a delay (not of its own fault) when the value of the plan becomes payable. This sometimes happens due to the time it takes to sell the underlying assets in which your money is invested. We will unfortunately not accept liability for any such delay."),l.createElement("li",null,"This will also apply in the case of instructions that we receive from you to switch between underlying funds. You can ask us for past investment performance of the investment options that you chose. You must however understand that past investment performance is not necessarily indicative of future performance.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Optimal Booster"))),l.createElement("ul",null,l.createElement("li",null,"Your OPTIMAL BOOSTER gets paid into the RA plan at the fifth anniversary. This booster is 2.5% of the total value of your fund on that date."),l.createElement("li",null,"Old Mutual will refund into the plan a portion of the fees that you have been charged before the Optimal Booster payment date."),l.createElement("li",null,"The Optimal Booster will be paid provided that:",l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"the RA plan is in force on the day that is indicated as the Optimal Booster payment date in your plan Summary, and"),l.createElement("li",null,"you are still a member of SARAF."))),l.createElement("li",null,"The Optimal Booster will be paid proportionally into each investment fund in the plan."),l.createElement("li",null,"The Optimal Booster will be calculated to be a percentage of the fund value on the day indicated as the Optimal Booster payment date in the plan Summary. This percentage is reflected in the quote."),l.createElement("li",null,"Old Mutual will not remove the Optimal Booster once it has been paid into the plan. However, the value is not guaranteed as it will fluctuate with the value of each investment fund in the plan.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Monthly Booster"))),l.createElement("ul",null,l.createElement("li",null,"Monthly Boosters will be paid into the investment funds after the Optimal Booster date until the end of the premium paying term."),l.createElement("li",null,"Old Mutual will refund into the plan a portion of the monthly plan charge. This will be called a Monthly Booster."),l.createElement("li",null,"Old Mutual will refund into the plan a portion of the monthly plan charge. This will be called a Monthly Booster."),l.createElement("li",null,"The Monthly Booster will be paid proportionally into each investment fund in the plan starting from the month indicated in the plan Summary as the date of First Monthly Booster. The date in this month may change if you change the date of your premium payments."),l.createElement("li",null,"The Monthly Boosters will be calculated to be a percentage of the fund value on the date that they are to be paid. This percentage is reflected during the application process."),l.createElement("li",null,"Monthly Boosters will be paid monthly regardless of whether you are still paying premiums to SARAF or not, or whether any withdrawals have been made from the plan in terms of applicable legislation."),l.createElement("li",null,"Old Mutual will not remove the Monthly Booster once it has been paid into the plan. However, the value is not guaranteed as it will fluctuate with the value of each investment fund in the plan.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Important terms of the plan"))),l.createElement("ul",null,l.createElement("li",null,"During the application process you elected to pay your premiums for a term. This term is called the premium-paying term and will be shown in your plan summary, if you decide to proceed with this plan and your membership application is accepted by SARAF."),l.createElement("li",null,"At the end of the premium-paying term you will no longer have to pay premiums although SARAF has agreed that Old Mutual can continue to collect premiums by means of your chosen payment method at the end of the premium-paying term until you tell us to stop."),l.createElement("li",null,"The plan will not automatically come to an end or pay out a benefit at this time."),l.createElement("li",null,"The plan will continue until SARAF asks for the benefits, but you will have no obligation to pay further premiums. We may continue the plan in a similar product."),l.createElement("li",null,"This means that the value of the plan will stay invested in the investment funds until SARAF asks for the benefits."),l.createElement("li",null,"If you break your agreement to pay premiums or reduce the premiums, a transaction administration fee will be charged to cover the costs of administering the change to the plan."),l.createElement("li",null,"Please consult the charges detail provided in the application process, for more detail. The

1se details will also be provided to you in the plan Summary.")),l.createElement("p",null,l.createElement("small",null,"The plan will become paid up if you do not pay premiums")),l.createElement("ul",null,l.createElement("li",null,"Premiums must be paid when they are due."),l.createElement("li",null,"If you do not pay a premium, you will have a period of grace in which to pay the premium."),l.createElement("li",null,"If a premium has not been paid within the grace period, the plan will become paid up from the date of the missed premium, according to Old Mutual’s then prevailing terms and conditions.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Reinstatement of the plan once it is paid up"))),l.createElement("ul",null,l.createElement("li",null,"You can apply to us to start paying premiums into the plan again after it has become paid up (in other words, reinstate the plan) provided this is done within one year of the plan becoming paid up."),l.createElement("li",null,"If you miss premiums in the first six months of the plan, you will have to repay all the missed premiums before you can reinstate the plan."),l.createElement("li",null,"You may miss a total of one year’s worth of premiums over the premium-paying term of the plan."),l.createElement("li",null,"We will allow you to reinstate the plan without your having to repay premiums if you have missed up to one year’s worth of premiums over the premium-paying term."),l.createElement("li",null,"If you miss more than one year’s worth of premiums over the premium-paying term, you will have to repay the premiums that are more than one year’s worth of premiums before you can reinstate the plan."),l.createElement("li",null,"If you miss more than one year’s worth of premiums in a row, you may not reinstate the plan.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"You can apply to us to make changes to your premiums and your investment funds"))),l.createElement("ul",null,l.createElement("li",null,"You are allowed to increase or reduce your premiums at any time, except if we have started paying your premiums in terms of the Premium Protection Benefit (if that applies to you)."),l.createElement("li",null,"Over a year, your premiums can be increased up to a maximum of R1 500 per month (or the equivalent for other payment frequencies) or 20% of your current premium, whichever is higher."),l.createElement("li",null,"Old Mutual may change these limits at its discretion."),l.createElement("li",null,"You are not allowed to reduce your premiums to less than the minimum premium limit that we set from time to time.")),l.createElement("p",null,l.createElement("small",null,"Subject to Old Mutual’s then prevailing terms and conditions, you may apply to:")),l.createElement("ul",null,l.createElement("li",null,"change the proportion of your premiums invested in an investment fund,"),l.createElement("li",null,"pay other premiums into the plan,"),l.createElement("li",null,"switch between investment funds.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Nomination of beneficiaries"),l.createElement("br",null),"You can nominate beneficiaries to receive your benefits under this plan after your death. You may make your applicable beneficiary nominations during the application process or you may provide us with beneficiary nominations and changes in writing after your plan is issued, in a form acceptable to us. The trustees of SARAF are obliged by law to identify and apportion the benefits payable on your death between your dependants and nominated beneficiaries at their discretion. This means that the persons who will receive payment may not necessarily be your nominated beneficiary or beneficiaries.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Cession"),l.createElement("br",null),"You are not allowed to cede the plan to another person.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Charges"))),l.createElement("ul",null,l.createElement("li",null,"The charges currently payable in terms of the plan are shown in the FEES, CHARGES AND BOOSTERS section of the application and will be reflected in your plan Summary."),l.createElement("li",null,"We can change these charges from time to time."),l.createElement("li",null,"We have calculated the charges in such a way that they will reduce as the value of the plan increases."),l.createElement("li",null,"You may qualify for a reduction in the plan charge if the plan meets our requirements.  This is also explained in the FEES, CHARGES AND BOOSTERS Section.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"We can cancel the plan "),l.createElement("br",null),"We will cancel the plan if the value of all investment funds that are in the plan, falls below the minimum limit that we set from time to time. If this happens we will not pay any value under that plan.",l.createElement("br",null),l.createElement("br",null),"We will cancel an investment fund if its value is not enough to pay the monthly charge that we levy against it.",l.createElement("br",null),l.createElement("br",null),"We may have to change the terms of the plan in certain circumstances",l.createElement("br",null),l.createElement("br",null),"If the law or a regulation is changed and it affects the plan, or if a court or a regulatory authority gives a different interpretation of an existing law or regulation, we have to change any affected terms of the plan.",l.createElement("br",null),l.createElement("br",null),"We buy assets and enter into agreements so that we can offer you investment funds in which you can choose to invest. These assets and agreements must comply with regulations, rules and laws made by the government, regulators and government agencies.  If any of these change and affect the return generated by the assets or agreements, we have the right to change the value of the investment fund that has been affected and also to change its charges. This means that the return that you get on your chosen investment fund may be affected 

1in the same way as the assets and agreements on which the investment fund is based.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Withdrawal of investment funds"),l.createElement("br",null),"If we withdraw an investment fund in which you are invested, we will send you a written notice asking you to choose another investment fund into which we must switch your investment or any future investments. If you do not make a nomination when you are asked to do so, we may switch the investment to an investment fund of our choice.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Determinations or decisions by Old Mutual"),l.createElement("br",null),"Wherever these terms and conditions state that a matter is subject to the determination or decision of Old Mutual, we will have full discretion as to the requirements on which the determination or decision will depend.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"No advice provided to you"),l.createElement("br",null),"By purchasing this plan online, you elected not to be represented by an intermediary or to receive financial advice. You can at any point after inception of the plan ask to be provided with financial advice. You may use an adviser of your own choice or ask that Old Mutual provide you with an adviser. You also confirm that the investment fund in this plan suits your financial needs. You may contact Old Mutual after the plan has been issued to enquire about further investment options.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"You may cancel this application"),l.createElement("br",null),"If you are not happy with the plan or change your mind after the purchase, you can cancel the transaction without having to give reasons within 31 days after receiving the plan.  You can do this by contacting our Customer Service Centre on 0860 50 60 70. If the value of your contribution reduced due to market movements, you will not receive a full refund of your contribution.",l.createElement("br",null),l.createElement("br",null),l.createElement("strong",null,"Payment of your contributions"),l.createElement("br",null),"Old Mutual (and the Fund) will not have any obligations in respect of this application until you have paid the first contribution into the Fund's bank account and Old Mutual has received it from the Fund. This will also determine the tax-year in which your contributions will be recognised for purposes of your annual tax certificate.",l.createElement("br",null),"No interest or return of any type will be paid to you on funds paid into any account of Old Mutual during any period prior to the formal issuing of the plan.",l.createElement("br",null),"The first contribution will be invested after it has been received by Old Mutual and after the formal issuing of the plan and at the first investment opportunity and at the price at that time.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Important Tax considerations"),l.createElement("br",null),"In terms of South Africa's Tax laws, you can deduct the contributions that you make to an RA plan from your Income Tax, but only up to a certain limit. As already indicated, you will be only be able to access a maximum of 1/3 of the proceeds when you retire (as a lump sum) but you will be taxed on this amount. The rest of the proceeds must be used to purchase an income on which you will have to pay income tax.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Your contact details"),l.createElement("br",null),"You must keep Old Mutual informed of your contact details so that we can trace you to make payment to you when due. If you or your beneficiaries and dependents do not claim the benefits of the plan, the Fund will keep it as long as the law requires while attempting to trace you or your beneficiaries and dependents. The rules of SARAF allows the Fund to use the proceeds of the plan to cover the cost of tracing you or your beneficiaries and dependents. Tracing includes, but is not limited to, searching all Old Mutual internal 

1customer databases, as well as using external database and tracing agencies. While the Fund is attempting to trace you or your beneficiaries and dependents the proceeds of the plan will remain in the assets that you elected. You will be entitled to any growth, but will also suffer any losses as a result of this.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"PROTECTION OF YOUR PERSONAL INFORMATION (PPI)"),l.createElement("br",null),"The Old Mutual Group would like to offer you ongoing financial services and may use your personal information to provide you with information about products or services that may be suitable to meet your financial needs. Please sms your ID number to 30994 if you would prefer not to receive such information and/or financial services. We may use your information or obtain information about you for the following purposes:")),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"Underwriting"),l.createElement("li",null,"Assessment and processing of claims"),l.createElement("li",null,"Credit searches and/or verification of personal information"),l.createElement("li",null,"Claims checks"),l.createElement("li",null,"Tracing beneficiaries"),l.createElement("li",null,"Fraud prevention and detection"),l.createElement("li",null,"Market research and statistical analysis"),l.createElement("li",null,"Audit & record keeping purposes"),l.createElement("li",null,"Compliance with legal & regulatory requirements"),l.createElement("li",null,"Verifying your identity"),l.createElement("li",null,"Sharing information with service providers we engage to process such information on our behalf or who render services to us.  These service providers may be abroad, but we will not share your information with them unless we are satisfied that they have adequate security measures in place to protect your personal information.")),l.createElement("p",null,l.createElement("small",null,"You may access your personal information that we hold and may also request us to correct any errors or to delete this information. In certain cases you have the right to object to the processing of your personal information.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"Complaints"),l.createElement("br",null),"Old Mutual provides a complaint resolution process to address any dissatisfaction you may have with your transaction. You can:")),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"write to the OMSTA Complaints Management Department, PO Box 201, Mutualpark 7451"),l.createElement("li",null,"fax +27 21 509 0506"),l.createElement("li",null,"email [email protected]"),l.createElement("li",null,"Contact our Compliance Department by phoning the Customer Service Centre on 0860 50 6070")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"If your dispute is not resolved, you have the right to:"))),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"contact the Office of Internal Arbitration, Old Mutual, PO Box 80, Mutualpark 7451"),l.createElement("li",null,"fax +27 21 504 7700"),l.createElement("li",null,"email [email protected]")),l.createElement("p",null,l.createElement("small",null,"If your complaint is still not dealt with, you have the right to:")),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"contact the Ombudsman for Long-term Insurance, Private Bag X45, Claremont 7735"),l.createElement("li",null,"email [email protected]")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"For complaints about any advice given to you, you can:"))),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"contact the FAIS Ombud, PO Box 74571, Lynwood Ridge 0040"),l.createElement("li",null,"email [email protected]")),l.createElement("p",null,l.createElement("small",null,"You also have the right to complain to the Information Regulator, whose contact details are:")),l.createElement("ul",{className:"no-gap"},l.createElement("li",null,"http://www.justice.gov.za/inforeg/index.html"),l.createElement("li",null,"Tel: 012 406 4818"),l.createElement("li",null,"Fax: 086 500 3351"),l.createElement("li",null,"Email: [email protected]")),l.createElement("p",null,l.createElement("small",null,"To view our full privacy notice and to exercise your preferences, please visit our website on www.oldmutual.co.za",l.createElement("br",null),l.createElement("br",null),l.createElement("strong",null,"The fees that you will pay Old Mutual"),l.createElement("br",null),"During this application process the fees that Old Mutual will deduct from your plan were displayed under the heading FEES, CHARGES AND BOOSTERS. By accepting these Terms and Conditions you confirm that you read and accept the fees as disclosed.",l.createElement("br",null),l.createElement("br",null),"You were also provided with a summary of the impact of the fees and charges on the value of the plan. This is an illustrative sample only, and was displayed under the heading EFFECTIVE ANNUAL COST. It is important that you read the summary. The full EFFECTIVE ANNUAL COST document that is applicable to your own policy will be provided to you once the plan is issued.")),l.createElement("p",null,l.createElement("small",null,l.createElement("strong",null,"You will receive your plan contract per email"),l.createElement("br",null),"After accepting these Terms and Conditions and submitting the application and, provided all requirements are satisfied, Old Mutual will issue the final contract and send it to you by email. 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