VITALITY DISCOUNTS AND REWARDS

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1 VITALITY DISCOUNTS AND REWARDS

2 DISCOUNTS AND REWARDS TO SUIT YOUR PLAN CORE When you have Vitality Core you ll receive a number of rewards and discounts from our health partners including fitness trackers by Garmin and Polar as well as discounts from Lloyds Pharmacy and we ll even give you discounts on trips to Champneys health spas, to help you rest and relax. LITE With Vitality Lite, we give you all the great benefits of Vitality Core, including healthchecks and activity trackers plus the opportunity to earn Cashback each year. PLUS Vitality Plus you get access to all our health partner benefits, yearly Cashback and rewards to help motivate you to get healthier. You ll get discounted gym membership at selected Virgin Active gyms as well as our Active Rewards which includes a weekly drink at Starbucks, a cinema ticket and the opportunity to get an Apple Watch Series 3 for as little as 29 depending how active you are. And, there are also discounts on European flights with British Airways, Eurostar trips and Mr & Mrs Smith hotels which get bigger the more healthier you are.

3 CORE LITE PLUS CASHBACK UNDERSTAND YOUR HEALTH Vitality Healthcheck BMI Health care Nuffield Healthcheck Bluecrest GET ACTIVE Polar Garmin Sweatshop parkrun Evans Cycles Virgin Active, Nuffield and David Lloyd Clubs EAT WELL Ocado Weight Watchers STOP SMOKING Allen Carr s WELLBEING AND RELAXATION Champneys ACTIVE REWARDS Apple Watch Starbucks Vue/Cineworld STATUS BASED REWARDS Lloyds Pharmacy 10% cashback 10% cashback Up to 50% cashback British Airways Eurostar Mr & Mrs Smith

4 VITALITY PARTNERS AND REWARDS GET VITALITY CASHBACK THE MORE YOU DO TO LOOK AFTER YOUR HEALTH, THE MORE CASHBACK YOU COULD EARN 12 If you have Vitality Plus or Vitality Lite there s an extra incentive to be healthy. As long as you've completed a health check or health screen that plan year, you could earn up to 125 cashback every year, depending on your Vitality status. If you have two people covered on your plan, then you share one Vitality status, earn more points and get double the cashback. If one person covered If two people are coverd No cashback No cashback No cashback No cashback UNDERSTAND YOUR HEALTH WE HELP YOU TO GET A BETTER PICTURE OF YOUR HEALTH WITH UP TO 50% OFF HEALTH SCREENINGS RETAIL PRICE VITALITY PRICE The Vitality Healthcheck 10 BMI Essentials BMI Select BMI Advanced Full BMI Advanced Plus Full Female Health Assessment Lifestyle Health Assessment Health Assessment Health Assessment Prevention Plus Active Core Executive GET ACTIVE WE MAKE GETTING HEALTHY FUN! Up to 40% off selected devices (P+P applies) 50% off a pair of running shoes. Maximum of one pair of sports shoes per member per plan year. Earn a maximum of 8 points each time you run and 5 points each time you volunteer. You re able to earn a maximum of 40 points per week. Up to 50% cashback at Evans Cycles every three years Cashback applies to the first Maximum cashback , % off Individual flexible memberships at selected Virgin Active, Nuffield Health and David Lloyd Clubs 3. Joining fee applies. EAT WELL 30 for a six month pass Up to 25% off healthy food and free delivery 8

5 STOP SMOKING ONE OF THE BEST WAYS TO IMPROVE YOUR HEALTH IS TO GIVE UP CIGARETTES Free Allen Carr s Easyway to Stop Smoking programme (retail price 279) WELLBEING AND RELAXATION PAMPER YOURSELF WITH DISCOUNTED CHAMPNEYS SPA BREAKS Up to a total of three trips a year for a maximum of three nights at a time 2. Champneys Health Spas Champneys Town and City Spas Champneys spa products 75% off 35% off 25% off ACTIVE REWARDS GET ACTIVE AND BE REWARDED EVERY WEEK Earn a handcrafted drink at Starbucks each week when you earn 12 Vitality points per adult in a week 7. Earn a cinema ticket at Vue or Cineworld 6. Get an Apple Watch Series 3 from 29 upfront and pay nothing more if you stay active with Vitality. 1 ( depending on your activity. 0% APR, Variable Direct Debit for 24 months) STATUS BASED REWARDS Up to 40% off return flights Maximum number of bookings Take off with up to 40% off return economy flights 9 5% 20% 30% 40% Fancy a break? Get up to 50% discount on three trips a year 10 LENGTH OF TIME YOU VE HAD VITALITY Less than three years 25% 30% 35% 40% Three years or more 25% 35% 40% 50% Get away from it all with up to 25% discount 25% cashback applies to first Maximum cashback per booking GET CASHBACK ON EVERYDAY ESSENTIALS LIKE HEALTH AND BEAUTY PRODUCTS, TOILETRIES, FRAGRANCES AND MORE WHEN YOU SHOP WITH LLOYDSPHARMACY. 11 Plans with Vitality Plus Plans with Vitality Lite Health review NOT taken 10% 20% 40% 50% 10% 10% 10% 10% 10% 10% 10% 10%

6 MAKING THE MOST OF VITALITY VITALITY PARTNERS SEE HOW TINA SAVED HERSELF OVER 900 IN A YEAR, AS A MEMBER ON SILVER STATUS, JUST BY ENGAGING WITH VITALITY. SILVER STATUS SILVER S TAT US 50% off Nuffield Healthcare Lifestyle health assessment. 20% off flights to Rome with British Airways Return flights from London to Rome - 18th August 2017 returning 20th August RRP before discount. 40% off Virgin Active gym membership Based on Wandsworth Smugglers Way Health Club. A handcrafted drink from Starbucks Based on Tina taking up the offer every other week and an average drink costing % off a pair of sports shoes from Sweatshop Based on a pair of shoes at RRP Vue cinema Based on four visits to Vue Westfield Stratford City. + + = 75% off Champneys health spa overnight stay Spa stay in a single room at Forest Mere resort TOTAL SAVINGS 969 EVEN MORE WAYS TO SAVE WITH REWARDS Discounts and Rewards with our Vitality Partners are just one way you could save. You could also save money on your premiums. The total savings you make could cover the cost of your premiums. See how much you could save with our interactive Vitality savings calculator vitality.curve-interactive.com/vitality-life/index.html Vitality Plus monthly fee and gym joining fees deducted. TERMS AND CONDITIONS: Prices and discounts are correct as at October APPLE WATCH: The benefit is available with Personal Healthcare plans and Business and Corporate Healthcare with Vitality plus and VitaliyLife plans with Vitality Plus. A credit check and eligibility criteria applies Subject to status. Monthly payments depend on your level of activity and could be between 0 and Exclusive lender is PayBreak Limited Excludes Channel Islands and Isle of Man. Vitality Corporate Services Limited acts as a credit broker. 2. CHAMPNEYS: Rooms subject to availability. Minimum four week booking required. Please note, rates shown are per person when sharing. VitalityLife members are entitled to book for a maximum of three additional guests per booking (at a guest discounted rate of 35%). This offer does not apply to Eastwell Manor. 3. VIRGIN ACTIVE, NUFFIELD HEALTH AND DAVID LLOYD CLUBS: This offer applies to selected Virgin Active, Nuffield Health and David Lloyd Fitness & Wellbeing Clubs. Joining fee applies. See vitality.co.uk/rewards/ partners/for details of all eligible gyms. 4. For members with a BMI of 35 or more or who are 70 years or older, only 9 Vitality points are required to earn active rewards. 5. EVANS CYCLES: A maximum of one bike purchase every three years per adult over the age of 18, applies. Members pay the full retail price, and submit a claim form to receive their rebate over four quarterly payments. 6. CINEMA: Excludes viewings at Cineworld Leicester Square. Upgrades for special viewings, seating options and all screenings at Vue Leicester Square are available for an additional cost. 7. STARBUCKS: Excludes Venti-size and seasonal featured drinks. Vouchers expire after 7 days. At participating stores. 8. OCADO - To qualify for the discount you must have earned at least 40 activity points in the previous month. To qualify for free delivery, the total value of your order must be 40 or more before the Vitality discount is applied and at least 30% of your total food and drink spend must be on healthy food. 9. BRITISH AIRWAYS: Up to 40% off return economy flights within the UK and Europe, including taxes and charges. Based on your Vitality status you can make up to a maximum of two discounted bookings through Fly Vitality per member per plan year. The discount applies to the cost of the flight including taxes and charges. 10. EUROSTAR: These discounts apply to adult non-flexible Standard and Standard Premier return rail tickets. They do not apply to Business Premier rail tickets. 11. LLOYDS PHARMACY: Subject to a maximum 50 monthly spend. Excluding nappies, infant formula milk, NHS and private prescription charges, mobile phone top-ups and codeine-based products. Rewards and cashback are available with Vitality Lite or Vitality Plus for a monthly fee. Minimum monthly protection premiums and further terms and conditions apply. Visit vitality.co.uk/rewards for details. 12. CASHBACK: Any cashback we give you may be subject to tax. This might affect your personal tax position. If you have any questions about this, please contact a Financial Adviser or HM Revenue & Customs ( FIND OUT MORE If you would like to know more about our discounts and rewards, please speak to your financial adviser or visit our website, vitality.co.uk/rewards VitalityLife is a trading name of Vitality Corporate Services Limited which is authorised and regulated by the Financial Conduct Authority. VLB0015_10/2017_J2004 Part of the Discovery Group