Join Multiply for all-round wellness

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2 Join Multiply for all-round wellness Financial Wellness We give members rewards, incentives and tools to help them improve their finances. Physical Wellness Our members get all the rewards, motivation, education and help they need to live a physically active and healthy life. Lifestyle Rewards Partner discounts and benefits on a wide variety of services and products to encourage members to live life to the fullest. Bronze Single 0 Family 0 Silver Single Family Gold Single Family Platinum Single Family Private Club Single Family And Multiply member for 2 years Membership fees Single For members with no dependents Family of two This includes the main member, plus one dependent (either your partner or, if you are a single parent, your child) R169 monthly premium R199 monthly premium Family of three and more This membership entitles two or more dependents (your partner and children) to join the programme R219 monthly premium

3 Our Partners Physical wellness partners Get discounted fitness assessments and earn loads of Multiply points. Free Access to helpful tools and earn points for reading articles Get up to 8 off Virgin Active gym membership fees. Get five free training programmes per year. Earn Multiply points for the number of steps you take each month. Get up to 8 off Planet Fitness gym membership fees. Get 25% off on this maternity fitness programme. Earn up to points per year. Get discounts of fitness assessments and earn loads of Multiply points. Earn up to points per year.. Financial wellness partners life insurance short-term insurance Earn increased HealthReturns of up to R5 400 per adult per year. Get up to 6 off on your monthly life insurance premium. Get up to 20 % off on your monthly short term insurance premium. Up to 25% off monthly insurance premium allocated to selected Momentum product OR Up to 12.5% allocated to smart shopper card. T s & C s Apply

4 Lifestyle wellness partners Get up to 5 off all flights Get up to 4 off on Avis car hire. Get up to 25% back in benefit points. Discounts on 2D & 3D movies at Nu Metro. Discounted internet through momentumnet. Get up to 2 off on Cycle lab vouchers for use in-store on the Multiply online shop. Get up to 2 off on the pro shop vouchers for use in-store on the Multiply online shop. Multiply your PNP smart shopper points by up to 10 Times. Access to maternity benefit through Momentum Health. Get up to 45% off on accommodation. 3 off on travel insurance. Get up to 45% off on accommodation at Protea hotels. Get up to 4 off on international flights. Get up to 4 off international flights. Get 15% off on driving courses at Zwartkops Raceway in Centurion Premier Lounge Get up to 5 off on local flights. Discounted valet parking services at O.R. Tambo international airport. Discounts on One day international and one day domestic cricket match tickets. Discounted access to Bidvest Premier lounges. Get up to 45% off on accommodation.

5 Online shopping partners Get up to 4 off on Apple products and accessories Get up to 4 off Bryton products. Get up to 2 off on Samsung products. Get up to 15% off HP products. Get up to 4 off on Nintendo products. Get up to 4 discount Canon products Get up to 4 off Garmin products Get up to 4 off on Nikon products Get up to 4 discount on Suunto products Get up to 2 off Jenna Clifford products Get up to 4 off on Serengeti eyewear. Get up to 6 off selected magazine titles. Get up to 4 off Bushnell products. Get up to 4 off Tasco products Get up to 2 off on takealot.com vouchers on the Multiply online shop. Get up to 15% off products on NetFlorist. Get up to 6 off memory foam pillows. Get up to 25% off Monix products. Get up to 4 off Alva gas products Get up to 25% off Dyson products. Get up to 25% off Dyson products Get up to 25% off Rollasole shoes Get up to 25% off Morphy Richards products Get up to 25% discount on Mellerware products Get up to 2 off on takealot.com vouchers on the Multiply online shop. Get Up to 25 % off Aqua Optima water Get up to 20 % off Jawbone products Get up to 2 off on TomTom navigation units and 4 on fitness watches and accessories. Get up to 4 off on Stingray brands.

6 Wellness and Wealth go hand-in-hand Myriad Take up Myriad, Momentum s market leading life insurance and you can save up to 6 on your monthly premiums if you belong to Multiply. Myriad premium discounts Fitness Discount Guaranteed Discount Bronze 1 Silver 15% Gold 2 Platinum 3 Private Club 5 Level 5 1 Level 4 7.5% Level 3 4% Level 2 2% Level 1 HealthReturns from Momentum Health Get up to R5 400 paid back annually into a HealthSaver account for each adult member on your Momentum Health policy. Best of Activity Level Standard Monthly Health Returns Multiply Booster Paid into Health Saver Total Monthly Health Returns Normal HealthReturns up to R1 800 paid back annually per adult member Multiply Booster up to R3 600 paid back annually per adult member HealthReturns paid to HealthSaver up to R5 400 paid back annually per adult member Level 5 R150 R150 R150 R450 Level 4 R100 R100 R100 R300 Level 3 R50 R50 R50 R150 Level 2 R25 R25 R25 R75 Level 1 R0 R0 R0 R0 Your Healthy Heart Score and FundsAtWork FundsAtWork health rewards are equal to a percentage of your qualifying insurance premiums determined according to your Multiply status and your Healthy Heart Score. If you have... You will get... Pension or Provident Approved lump sum death benefit Multiply = Up to 25% of your insurance premium to your retirement savings account monthly* Unapproved lump sum death and/ or dread disease benefit Multiply Momentum Health HealthSaver = Up to 25% of your insurance premium to your HealthSaver monthly* Unapproved lump sum death and/ or dread disease benefit Multiply Pick n Pay smart shopper card linked to Multiply = Up to 12.5% of your insurance premium to your smart shopper card monthly*

7 Momentum short term insurance Get up to 2 off on your monthly short term insurance premium: Based on the table below MSTI will be accruing the applicaple percentage of the client s premium on a monthly basis. This is paid out in the form of cash payout or allocated in the client s policy. Enhanced Multiply and MSTI combined benefit: Safety Score % Question Validated % % % % - 10 < % 6% 8% 12% 60-69% 8% 1 14% 70-79% 1 12% 16% 89-89% 12% 14% 18% % 16% 2 A practical example - Private Club * MSTI Safety score based off a 1 discount Multiply Cost Actual cost Savings over 12 months Physical Wellness Partners Gym - Ian R R R Gym - Liza R R R Lifestyle Wellness partners Mango R R R Dischem R R R 690 PnP R R R Nu Metro R 150 R 480 R 330 Avis R R R 800 Protea Hotels R R R Online Shopping partners takealot.com R R R Cyclelab - Liza R R R 680 Proshop - Ian R R R Financial Wellness Partners Myriad - Ian R R R Myriad - Liza R R R *MSTI R R R Health Returns (For both Ian and Liza) R Total R Multiply Membership Fees R Total Savings R As you can see, Ian and Liza saved close to R just by using Multiply s benefits in their everyday lives - from gym, to shopping and local holidays.

8 A practical example - Gold Multiply Cost Actual cost Savings over 12 months Physical Wellness Partners Gym - Ian R R R Gym - Liza R R R Lifestyle Wellness partners Mango R R R Dischem R R R 483 PnP R R R Nu Metro R 166 R 480 R 314 Avis R R R 500 Protea Hotels R R R Online Shopping partners takealot.com R R R 700 Cyclelab - Liza R R R 476 Proshop - Ian R R R Financial Wellness Partners Myriad - Ian R R R Myriad - Liza R R R *MSTI R R R Health Returns (For both Ian and Liza) R Total R Multiply Membership Fees R Total Savings R *MSTI Safety score based off a 1 discount As you can see, Ian and Liza saved close to R just by using Multiply s benefits in their everyday lives - from gym, to shopping and local holidays. Is this not reason enough to join Multiply?

9 Get to Gold Gold status gives you access to more rewards and benefits. We want to help you get there quickly. Here s how you can do it in just 30 days. Get started 1 Join Multiply Earn 2000 points Register your contact details online Earn 1500 points Complete the About You form online Earn 1500 points Get financial well 2 Do a Fitness Assessment Earn 3000 points Get moving 3 Get sound financial advice Earn points Use myscore to understand your lifestyle needs Earn 5000 points Complete the Personal Wellness Assessment online Earn 4000 points Complete your annual General physical examination Earn 1000 points Get healthy 4 CHECK UPS Complete for a Full Health Assessment and HHS* Earn 3000 points Sign your Non-smoking Declaration or join and complete a Smoke cessation programme Earn 2500 points Know how healthy your heart is with your Healthy Heart Score Red = Earn 4000 points, Amber = Earn 6000 points, Green = Earn 8000 points Get your annual dental check-up Earn 1000 points Get an eye test done Earn 1000 points Do an HIV/AIDS test and sign a declaration Earn 5000 points Points available * HHS- Healthy Heart Score

10 Pick n Pay Activate Your Pick n Pay benefit NB: Should your smart shopper number change, remember to update it online at or call the call centre on to ensure that your multiplied points are allocated to the correct smart shopper card. 1 Go instore at kiosk to join Pick n Pay smartshopper 2 Give us your smart shopper number. Call , sms PnP, your ID number and your smart shopper number to 47214, or go online at 3 You can now start swiping Remember to swipe BOTH your Multiply and your smart shopper cards at the till before the cashier starts to scan your grocery items to ensure that your smart shopper points are recorded and multiplied. If you don t swipe you won t get the benefit. 4 Get your points 5 You can view your statement online A practical example Mr Smith is on Private Club status and earns 200 smart shopper points when he shops at Pick n Pay. We will multiply his 200 points x 10 = smart shopper points in total, which will include Mr Smith s initial 200 smart shopper points. The total qualifying spend per month for single members is capped at R2 000 and R3 000 for family membership. After this limit is reached, no more smart shopper points will be multiplied for that month.

11 Dis-Chem Activate Your Dis-Chem benefit Dis-Chem points are calculated according to how much you spend at Dis-Chem every day. Your accumulated Dis-Chem points are allocated monthly. You will know by the tenth day of each month how many points you ve earned the month before. You can view your savings by downloading your Dis-Chem statement on our website 1 ID Multiply client number passport Visit the service desk at your Dis-Chem store. Take along your ID, Multiply client number or passport and your Dis-Chem benefit card if you have one. 2 A You ll be issued with your new Multiply Dis-Chem benefit card. The points you have already accumulated will automatically be transferred onto your new card. OR B Complete a short application form and get your new Multiply Dis-Chem benefit card. 3 Start swiping!

12 GET IN TOUCH Get in touch Contact your financial adviser to find out more about Multiply s partners and incredible rewards, call , visit West Avenue Centurion 0157 PO Box 7400 Centurion 0046 South Africa Tel 27 (0) Contact centre multiply@momentum.co.za Momentum Interactive (Pty) Ltd, a wholly owned subsidiary of Momentum Group Limited (Reg. No. 1971/006353/07) SALESGUIDE_Version 11_REG E & OE. Terms and conditions apply. Visit for full details. Momentum is an authorised financial services and credit provider.