Multiply Terms & conditions

Multiply

Multiply general rules

Section A – General programme rules

1

Section B – Points and status rules

6

Fitness partners

Virgin Active

17

Virgin Life Care

21

Planet Fitness

24

Wellness Coaching Network®

27

Save as you Gym

29

Preggi Bellies

31

Pedometer

33

FitTrack

35

Entrytime/Enteronline

36

Adventure Boot Camp for Women

37

Health24

38

Travel partners

Emirates

39

Virgin Atlantic

41

Mango Airlines

43

Full Service Domestic Airline

46

Executive Carport

49

Bidvest Premier Lounge

48

Avis

50

Protea Hotels

52

African Pride Hotels

54

City Lodge

56

Regent travel insurance

58

Entertainment

Nu Metro

60

TicketPros

61

Momentumnet 63

Retail

Dis-Chem pharmacies

65

Online shopping

Cycle Lab

67

The Pro Shop

68

kalahari.com

69

Magazines

70

Garmin

72

Canon

73

Suunto

74

Serengeti® Eyewear

76

Bushnell

77

Tasco

78

Apple

79

Bryton

80

Hewlett Packard

81

Jenna Clifford

82

NetFlorist

83

Nikon

84

Nintendo

85

Orthopedic pillows

86

Samsung

87

Parenting

Momentous Baby

88

Health

Healthy Heart Score

89

eatForLife®

90

Multiply general rules

Section A: General programme rules

1. General

How these rules impact you as a Multiply member

 These rules will apply to and bind all Multiply members, who must live in the Republic of South Africa (RSA).

 When you participate in the Multiply programme, it means you have read, understood and agreed to these rules. As we (Momentum) amend them from time to time at our discretion, it is your responsibility to make sure you understand and stay up to date with these rules and any changes to them.

How we apply these rules

 We can apply these rules at our sole discretion.

 If we fail to enforce any of these rules, it does not mean the rule(s) is invalid.

 If one or more of these rules is invalid, unlawful or unenforceable, it has no impact on the validity of the other rules, which will stay valid.

2. Definitions

Who are we talking about?

 “Adult dependant” refers to a dependant who:

– is a Multiply member,

– is 18 years of age or older, and

– is listed as a dependant of the principal member, on that principal member‟s medical scheme membership.

 “Child dependant” refers to a dependant who:

– is a Multiply member‟s or partner‟s natural child, or is a member‟s or partner‟s legally adopted child or a child in the process of being legally adopted, or a child who has been placed in the custody of a member or his/her partner by arrangement with an authority and for whom a member is responsible for family care and support, and

– is under the age of 18.

Please note: Child dependants of an adult dependant do not qualify for Multiply‟s gym benefits.

 “Client” refers to:

– a Momentum Group policyholder (a natural person, not an entity), who has purchased any product from Momentum Group and its associated retirement funds that offer Multiply as a voluntary benefit, or

– a principal member of a qualifying medical scheme, or

– a member of a qualifying group.

 “Member(s)” or “you”/”your” refers to a client with a Multiply membership.

 “Momentum Group” refers to Momentum Group Limited (registration number 1904/002186/06), a company registered under the company laws of the RSA.

 “Momentum” refers to Momentum Interactive (Pty) Ltd (Registration number 1971/006353/07), a company

registered under the company laws of the RSA, wholly owned by Momentum Group.

 “Multiply” refers to an incentivised health and wellness programme under which Momentum negotiates and gets special rates from various service providers for the benefit of Multiply members.

 “Partner” refers to a person with whom a Multiply

member has a committed and serious relationship similar to a marriage. This relationship is based on objective criteria of mutual dependency and a shared and common household, irrespective of the gender of either party.

 “Products” refers to insurance, investment and retirement products offered by Momentum Group and its associated retirement funds that offer Multiply as a voluntary benefit.

 “Qualifying groups” refers to all entities that have entered into agreement with Momentum to offer Multiply as a voluntary benefit to all eligible members,

employees or clients.

 “Qualifying medical schemes” refers to Momentum Health, restricted medical schemes administered by Momentum Medical Scheme Administrators (MMSA) and other medical schemes that have entered into agreement with Momentum to offer Multiply membership to the scheme members.

 “Service provider” or “Multiply partner” refers to a company with which Momentum enters into agreement to offer discounts and rewards/benefits on various products and services through the Multiply programme.

 “Single parent” refers to a member whose dependants are children dependants only.

 In these rules, the singular always refers to plural, as well the other way around.

3. Multiply membership Who qualifies?

 The following individuals qualify for voluntary Multiply membership:

– Principal members of qualifying medical schemes.

– Base Multiply Member

– A Momentum policyholder and his/her partner, who own products that have been in force for at least 12 months, with a combined minimum contractual monthly contribution of R150 (excluding the Multiply contribution).

– A Momentum policyholder and his/her partner, who own, products that have been in force for less than 12 months, with a combined minimum contractual monthly contribution of R300 (excluding the Multiply

contribution).

– A Momentum policyholder, who owns a single-premium (or lump sum) investment policy. Certain minimum values apply, which may change from time to time. (Minimum values match those of the underlying product house).

– A Momentum policyholder, with a paid-up or open-ended Momentum Group product. Certain minimum paid-up and open-ended values apply, which may change from time to time. (Minimum values match those of the underlying product house).

 When there are multiple policyholders on a single Momentum Group product, only one of those

policyholders qualifies to join Multiply with that policy as the qualifying policy. If the other policyholders also want to join Multiply, they can qualify by becoming

policyholders on separate Momentum Group products.

 We reserve the right to, from time to time, via a special offer, allow clients to join Multiply without owning any qualifying product.

4. More qualifying criteria: partner and dependants

 Qualifying medical scheme members:

– The partner and child dependants on the Multiply membership must be identical to those on the medical scheme.

– A member may not have more or less persons on the Multiply membership than on the medical scheme.

– In special circumstances and at our discretion, a member may add a partner that is not on the medical scheme if:

• the partner is insured on another of the member‟s Momentum Group products, or

• the partner has his/her own Momentum Group product.

 Clients and qualifying group members: A member may add a partner if:

– the partner is an insured life on a member‟s product, or

– the partner has his/her own product. 5. Factors that affect your membership Marriage

 If a single member marries a non-Multiply member, the status level that the single member reached in that particular calendar year will be maintained for the rest of the calendar year – as a family membership (see section 7). If the number of points earned by a member and partner are not sufficient to meet the family threshold for the particular status at the end of the calendar year, the Multiply status will be adjusted accordingly at the start of the following calendar year.

 If two Multiply members marry each other, they have the option to either keep two separate Multiply memberships or to cancel one of the memberships and upgrade the other to a family membership. If they choose to upgrade, we will transfer the Multiply points accrued in that calendar year before the partner cancelled his/her membership to the upgraded membership. However, please note that the following points are specific to a membership and we will only award them once:

– points for joining Multiply,

– points for receiving medical statements electronically, and

– any ad hoc points that we may award from time to time.

Divorce and death

 If a member dies or gets divorced, we will cancel all the benefits of the member‟s partner, except if:

– the partner has an existing Momentum Group policy or qualifying medical scheme membership and joins Multiply within two months of the date of the divorce/ death, or

– the partner does not have an existing Momentum Group policy or qualifying medical scheme membership, but takes out a new Momentum policy, as well as joins Multiply within two months of the date of divorce/death, or

– the partner marries another Multiply member within two months of the date of divorce/death.

 If the partner takes out a Multiply contract of his/her own or joins another Multiply contract as a partner, we will transfer the Multiply points that the partner accrued during that calendar year to the new contract.

6.

Your Multiply membership will start either:

• the first day of the calendar month in which we get your application, or

• the first day of the month immediately following the month in which we got your application.

7.

When you apply for Multiply membership, you could qualify for one of three types of Multiply memberships:

1. Single member – a member with no dependants.

2. Family of two – a member with one dependant.

The dependant could be a member‟s partner or a child dependant (for a single parent).

3. Family of three or more - a member with two or more dependants. All the dependants could be child dependants (for a single parent) or one dependant could be a member‟s partner and the remaining dependants could be child dependants.

8. Membership fees How it works

 Once we have approved your application, you have to start paying a monthly Multiply membership fee. We can increase these fees at our discretion.

 Generally, Multiply fees increase every year on 1 January. The increase varies from year to year, based on the current inflation rate and cost experience. The membership fees will differ according to the

membership type. A member (individual business) or a company (group business) can pay the fees.

 Individual business:

– You can pay premiums monthly in advance.

– You can pay premiums via debit order.

If we get your membership application after the selected monthly fee deduction date, and y o u r membership commences on the first day of the calendar month in which we got the application, w e w i l l d e d u c t a double monthly fee on the following deduction date.

– Please note: If you fail to pay the monthly fee on the deduction date, your membership will be cancelled and all membership contributions and benefits forfeited immediately.

 Group business

– A business can pay premiums monthly in advance or monthly in arrears.

– A business can pay premiums via a company debit order or stop order.

– If we get the membership application after the selected monthly fee deduction date, and the membership commences on the first day of the calendar month in which we got the application, w e

will deduct a double monthly fee on the following deduction date, irrespective whether it is in arrears or in advance.

business will forfeit all membership contributions and benefits immediately following non-payment of the monthly fees via a company debit order.

– Also note: We will cancel memberships and a business will forfeit all membership contributions and benefits forfeited after two consecutive months of non-payment of the monthly fees for companies paying via stop order.

There may be extra fees for using certain partners or benefits. These fees can include:

 activation fees, and

 monthly fees.

9.

 To activate your Multiply membership, you will get a membership card. The terms and conditions of the membership card are incorporated into these rules, as if expressly stated in this document. If there are any inconsistencies between the terms and

conditions of the membership card and these rules, these rules will prevail.

 You can only use the membership card for identification purposes and may not use it for any cash or credit transactions.

 You must present the membership card to the service providers to access the provider benefits and for identity purposes as a qualifying Multiply member. If you do not want to make use of the provider benefits, you do not have to show your membership card or identify yourself.

 Please note: We reserve the right to cancel your Multiply membership if you use the membership card in a fraudulent or unauthorised manner.

10.

Multiply offers five status levels: Bronze, Silver, Gold, Platinum and Private Club. The higher your status, the more benefits you can enjoy.

 You can only move to a higher status by earning Multiply points, which include Start up/Online, Physical health and Wellness, Physical fitness and Financial fitness points.

 At the end of every calendar year, you will retain the status you have earned in that calendar year for the duration of the next calendar year. For example, if a you earned sufficient points in a calendar year to achieve Gold status, then you will remain on Gold status for the duration of the next calendar year. Please note: Your status will be adjusted to a lower level if you did not earn enough points to maintain your current status in a calendar year.

 We may, at our sole discretion, place a new member, who was previously a member of a comparable lifestyle rewards programme, on a comparable status (points will not be allocated) for the remainder of the calendar year, provided the member gives us a points statement not older than one month. Members will retain this status for the duration of the following calendar year. The member will start earning Multiply points from the date of joining Multiply and will earn roll-over points, based on the Multiply points accumulated during the calendar year from the date of joining Multiply. The member must earn the required points during the following calendar year to make sure that his/her Multiply status is maintained in subsequent years.

11.

We use two sets of point thresholds to determine your Multiply status:

Bronze Silver Gold Platinum Private Club (And a Multiply member for 2 years) Single* 0 25 000 45 000 60 000 75 000 Family** 0 50 000 85 000 110 000 130 000 * Single threshold - applies to single members and/or single

parents.

** Family threshold - applies to families of two when the partner is the dependant or families of three when the p artner is one of the dependants.

The number of adults (i.e. member and partner) on the Multiply membership will determine the number of points required to move up the status levels. To illustrate this, what follows are examples of the points that different

combinations of Multiply membership will earn:

 Single member: The member earns points and the single threshold applies.

 Family of two: If the dependant is the partner, then both the member and partner earn points and the family threshold applies. If the dependant is a child (single parent), then the member earns points and the single threshold as shown i n t h e p r e v i o u s t a b l e applies [except in the case of child vaccinations (up to five years of age) and annual dental check-ups (12 years and younger)].

 Family of three: If one of the dependants is the partner, then both the member and partner earn points and the family threshold as shown in the previous table applies. If the dependants are all children (single parent), then the member earns points and the single threshold as shown in the previous table applies [except in the case of child vaccinations (up to five years of age) and annual dental check-ups (12 years and younger)]. To clarify: if the dependant of a single parent is a five-year old child, who gets a vaccination and undergoes a dental check-up, the single threshold will apply.

Allocation of points

 We will award physical health and wellness points to members of qualifying medical schemes and/or qualifying groups.

 Alternatively, members will earn physical health and wellness points for tests done through relevant service providers. We will award certain early detection/risk reduction points (points for HIV, cholesterol, glucose and prostate screening) to Momentum Myriad policyholders for tests performed at the underwriting stage.

 We will only allocate points for HIV tests once a member (who is a qualifying medical scheme member) has undergone an HIV test and completed the online declaration form on the Multiply website.

12.

 We (Momentum) cannot be held responsible for any loss suffered by any member from any partner benefit.

confidential and the property of Momentum.

 The general rules will apply together with rules specific to each service provider.

 We will negotiate with various companies and/or associations to determine and appoint service providers for Multiply rewards at our sole discretion. We also have the right to review these appointments from time to time.

 We will negotiate special rates with each service provider on behalf of the Multiply members who make use of the products or services of that particular service provider.

 We may, at our sole discretion, conclude, terminate, cancel, amend or vary the service provider agreements and adjust the Multiply benefits accordingly.

 Members will not qualify for Multiply benefits from a service provider who has been terminated and/or cancelled from participating in the Multiply programme.

 None of the Multiply benefits can be redeemed for cash and the benefits may only be used in the way described in these rules.

 We can end or suspend Multiply membership with reasonable notice to a member. The member will not lose any benefits accumulated up to the date that his/her membership ends or i s suspended.

 Benefits are only available in the RSA.

 Benefits are not transferable.

 References to any literature, including but not limited to websites, does not mean that Momentum Group, its

subsidiaries, holding company/companies, agents and authorised representatives, accept responsibility for the accuracy of the content of such literature.

13.

 You must notify Momentum in writing if you want to cancel your Multiply membership or by contacting Multiply contact centre.

 Please note that we require a one-month cancellation notice period.

 If you cancel your Multiply membership seven days after a debit order, it will not be refunded. However, refunds of Multiply membership fees will be done at o u r discretion.

14.

 You may reinstate your cancelled Multiply membership, subject to the following conditions:

1. the reinstatement occurs within three months of the date of cancellation, and you pay all outstanding fees that would have accrued during that cancelled period,

or

2. if the cancellation was due to the termination of a qualifying product, you take up a new qualifying product, and you apply for Multiply membership within three months.

 If you do not reinstate your Multiply membership within three months of the date of cancellation, you may not join Multiply within the following three-month period (calculated from the date of cancellation).

15.

 Momentum and/or its subsidiaries, holding

company/companies, associated retirement funds, agents and authorised representatives do not accept responsibility for the accuracy of representations, information, advice, guidance, products and services provided by the service providers in any form.

 We will not incur any liability for acts or omissions of any party, including but not limited to service providers, relating to the use of the Multiply programme.

 We will take reasonable care to prevent loss or damage to members. Momentum will, however, except in the case of death and personal injury of a member, not be liable for any loss or damage related to a member‟s use of the Multiply programme and the use of any goods or services provided through the Multiply programme.

 The member, partner and dependants indemnify Momentum and its subsidiaries, holding

company/companies, associated retirement funds, agents and authorised representatives against any loss suffered, including but not limited to a loss of money, arising from membership and participation in the Multiply programme.

16. Legal matters

 Momentum may, at its sole discretion and at any time, amend these rules and any business rules associated with them in any way. These amendments may include, but are not limited to, changes to the amounts and percentages referred to in these rules, as well as changes to the Multiply programme. We will give members reasonable notice of any changes in the programme by publishing the details of the changes on Momentum‟s website or disclosing the information in any other way that we determine at our discretion.

 We may at our sole discretion decide who may participate in the Multiply programme.

 All Multiply benefits take into account applicable legislation, tax law and tax practices. If the applicable legislation, tax law or practice change, we reserve the right to adjust the benefits accordingly.

 Members agree that all information supplied by Momentum is confidential and the property of Momentum. Members

 Do not have a right, title, interest or claim of or to that information. This applies to information that is supplied both in writing and orally, before and after these rules and in whichever way the information was supplied.

 Please be advised that a purchase from any Multiply online partner available on the Multiply site is intended for personal use only. Goods purchased with the intention of conducting any form of commercial enterprise are strictly prohibited.

17.

 You must refer any dispute about Multiply and the programme documents to the Momentum Client Care Department. This department will attempt to resolve the dispute within 30 calendar days. The contact details are: Postal address:

Fax: 012 675 3911

E-mail: [email protected] Website: www.momentum.co.za

Momentum or the member may refer the dispute for arbitration under the rules of the Arbitration Foundation of South Africa. The arbitrator‟s decision will be final and binding on the parties.

 The following provisions apply when submitting the dispute for arbitration:

– The arbitration laws of the RSA will govern the arbitration proceedings.

– The arbitration proceedings will be held informally, because the objective is that the parties should reach a decision as efficiently and as inexpensively as possible, as long as it is just.

– Each party will have the right to be represented by a legal representative(s) or any other expert or specialist at the arbitration proceedings.

– If the matter in dispute is primarily a legal matter, the arbitrator will be a practising Senior Counsel on whom the parties have agreed. If the parties fail to agree, the arbitrator will be nominated by the current Chairman of the Pretoria Bar Council.

– If the matter in dispute is primarily an accounting matter, the arbitrator will be a Chartered Accountant on whom the parties have agreed. If the parties fail to agree, the arbitrator will be nominated by the current Chairman of the Public Accountants and Auditors Board.

– If the matter in dispute is not primarily a legal and/or accounting matter, or if the parties are unable to agree on the nature of the matter of dispute, the arbitrator will be a person who has appropriate knowledge and on whom the parties have agreed. If the parties fail to agree, the arbitrator will be nominated by the current President of the Law Society of South Africa or his delegate.

– The decision of the arbitrator will be final and binding on the parties.

– Any party can apply to make the arbitration decision an order by a competent court.

– Any party can apply to a competent court for a temporary interdict or any other urgent or temporary relief, subject to the award of the arbitrator.

– The costs of the arbitration proceedings and any related costs will be allocated at the discretion of the arbitrator. The arbitrator will have the right to direct that the costs be determined as between party-and-party, between attorney-and-client, or as between attorney-and-own- client.

– The arbitration will take place under the provisions of the current arbitration laws in the RSA. The arbitration must take place:

• in Pretoria, and

• in accordance with the arbitrator‟s formalities and procedures, and may be held in an informal and summary manner, on the basis that the

formalities, procedures, pleadings and discovery related to rules of evidence will not be

necessary.

– The arbitration must take place as soon as possible after either party has requested it. The arbitration should ideally be completed within 30 days after the request.

– The parties will keep the contents and particulars of any dispute confidential. Neither party will have the right to make details of any dispute public, without the written consent of the other party.

18. Personal information

 Momentum undertakes to protect your privacy.  No personal information will be disclosed to third

parties without your permission.

 Members must consent that Momentum Interactive (Pty) Ltd (“Multiply”) may process and retain their personal information submitted by them, their financial adviser or the Multiply partners, and that this information may be shared with the Multiply partners to carry out the actions so that Multiply can allocate physical health and wellness points or other benefits to them, as per their membership status.

 Members must further consent to the use of their personal information for direct marketing of Multiply‟s own service.  Members must declare that they are aware of their right of

access to and the right to rectify the personal information and the existence of a right to object to the processing of personal information.

 Members must also declare that the personal information provided by them is done voluntarily and that failure to provide such information or refusal to consent to the processing of their personal information may result in their membership application not being successful.

19. Physical addresses for legal notices

1. Your physical address for purposes of legal proceedings and giving or sending any notice will be the address as supplied by you on the Multiply application form specified as your “domicilium citandi et executandi”.

2. It is your responsibility to notify Momentum in writing if the address changes.

3. Momentum‟s physical addresses for legal notices is: 268 West Avenue

Centurion Gauteng 0157

Momentum Multiply programme rules

Section B: Points and status rules

1. Why we have a points and status system

Multiply rewards you with great discounts for doing the everyday things you should be doing to ensure a healthy and happy life. By using a points system, we incentivise you to maintain or enhance a healthy lifestyle. This is how it works:

 Follow a physically and financially healthy lifestyle. You get access to physical and financial wellness tools, either for free or at discounted prices.

 Earn Multiply points for using these tools to look after your wellbeing and enjoy great rewards/benefits on a wide range of products and services.

 Improve your Multiply status level by earning more points, which means you get access to even bigger rewards.

2. The status levels

 Multiply offers five status levels. The higher your status, the more benefits you can enjoy.

 You can only move up to a higher status level by earning Multiply points.

 The point threshold for the different status levels, as shown in the following table, differs for a single or family

membership.

Bronze Silver Gold Platinum Private Club (And a Multiply member for 2 years) Single* 0 25 000 45 000 60 000 75 000 Family** 0 50 000 85 000 110 000 130 000 *Single threshold – applies to single members and/or single parents. More details in section 3.

**Family threshold – applies to families of two when the partner is the dependant, or families of three when the partner is one of the dependants. More details in the following section.

3. Types of membership and the status levels

determine the number of points required to move up the status levels:

 Single member: A member earns points and the single threshold applies.

 Family of two: If the dependant is the partner, then both the member and partner earn points and the family threshold applies. If the dependant is a child (single parent), then the member earns points and the single threshold applies. Family of three: If one of the dependants is the partner, then both the member and partner earn points and the family threshold applies. If the dependants are all children (single parent), then the member earns points

and the single threshold applies.

4.

Status level rules

Members may only move to a higher status by earning Multiply points, in the ways set out in point 6 of this section of the document.

Joining Multiply and moving up through the status levels

 As a new member, you will be placed on Bronze status. The more points you earn, the higher the status you will reach.

 The different levels are: Bronze, Silver, Gold, Platinum and Private Club status.

 To move up a level, you must earn enough points to reach the relevant status threshold.

Multiply status is guaranteed for a set time only

Your Multiply status will remain in place from the time you earn the relevant status level until the end of the following calendar year, unless:

 your membership changes,

 the point structure of the Multiply status levels changes, or

 you have not earned enough points to maintain your current status. For example: if you have earned sufficient points in a calendar year to achieve Gold status, then you will remain on Gold status for the duration of the next calendar year.

 Your status will, however, be adjusted to a lower status if you did not earn enough points to maintain your current status in a calendar year.

When you move from another rewards programme to Multiply

 Momentum may, at its sole discretion, place a new member, who was previously a member of a similar lifestyle rewards programme, on a comparable status level (points will not be allocated) for the remainder of the calendar year, provided the member gives us a points statement not older than one month.

 You will stay on this status level for the rest of the following calendar year.

 You will start earning Multiply points from the date of joining Multiply and will earn roll-over points based on the points you accumulated during the calendar year from the date of joining Multiply.

 You must earn the required points during the following calendar year to make sure that you can stay on the same status level.

Some rewards/benefits are dependent on the status level The details of some Multiply rewards depend on your status level. If your Multiply status changes, the rules relating to how you can use the reward/benefit may also change.

5. Who may earn points?

 Principal members and spouse/partners earn points for activities on Multiply.

 Child dependants may also earn points for specific activities on Multiply. See the following section.

 Adult dependants do not earn points.

6. How to earn points

The Multiply points categories are:

 Get started

 Get healthy

 Get moving

 Get Financially Well Limits to earning points

Please note that there are annual limits to:

 how many points you can earn for specific activities,

 how many points you can earn for points categories as a whole, and

 how often you can do certain activities and still earn points.

All these details are included in the following tables.

Get started

Event Conditions Provider Points

per event Single member points limit Family membership points limit

Maximum category cap 10 000 15 000

Join Multiply Once only Multiply 2 000 2 000 2 000

Register or update your contact details online

Once a year Momentum

website 1 500 1 500 3 000

Complete the About

You form online Once a year Multiply 1 500 1 500 3 000

Talk to me electronically

Once a month Momentum

website 250 3 000 6 000 Log on to Momentum‟s website My Rewards Per page visited (Once a day) Momentum website 50 3 000 6 000 My Momentum Your Financial Wellness Get healthy Event Conditions Provider Points per event Single member points limit Family membership annual points limit

Maximum category cap 30 000 50 000

Cholesterol Corporate Wellness Day / Pharmacy 1 000 Glucose 1 000 Blood Pressure 500

V13January15 8

Go for a Full Health Assessment BMI Once a year network / As part of VLC Fitness Assessment / As part of Wellness Coaching Network Fitness Assessment / Qualifying Medical Scheme / Myriad Underwriting 500 3 000 6 000

Go for monthly Health Assessment check-ups Cholesterol Once a month Corporate Wellness Day / Pharmacy network / As part of VLC Fitness Assessment / As part of Wellness Coaching Network Fitness Assessment / Qualifying Medical Scheme / Myriad Underwriting 50 per assessment 2 000 Glucose 4 000 Blood Pressure Body Fat % BMI

Event Conditions Provider Points

per event Single member points limit Family membership annual points limit

Know your Healthy Heart Score Yo ur He alt hy He art Sc ore is Re d

Once a year for best result achieved (award for improvement) Multiply 4 000 8 000 16 000 Yo ur He alt hy He art Sc ore is Am ber 6 000 Y o u r H e a lt h y H e a r t s c o r e i s G r e e n 8 000 Sign your non-smoking declaration Once a year Multiply Online / Corporate Wellness / VLC / Wellness Coaching Network 2 500

Join and complete a smoke cessation programme S m o k e c e s s a t i o n p r o g Once off Health24 / SmokeEnder s 500 2 500 5 000 S m o k e c e s s a t i o n p Once off 2 000 Do Health Platform pre- authorisation on Momentum

Health‟s web- or mobi – site

Per authorisation Qualifying

Go for an annual general physical examination Once a year Any Provider Automatic points allocation: Myriad / Qualifying Medical Scheme Manual points allocation: Other (Members to submit proof by email) 1 000 1 000 2 000

Get yourself and your family immunised

Flu vac cin e

Once a year per family member, max of 5 1 000 1 000 5 000 Chi ld im mu nis ati on Children < 12 years 3 000 3 000 6 000 P n e u m o c o c c a l v a c c i n e

Once a year per family member, max of 5 1 000 1 000 5 000 HP V im mu nis ati on

Once off per family

member 1 000 1 000 5 000

Event Conditions Provider Points

per event Single member points limit Family membership annual points limit Go for your annual dental check-up Once a year per family member, max of 5 Any Provider Automatic points allocation: Myriad / Qualifying Medical Scheme Manual points allocation: Other (Members to submit proof by email) 1 000 1 000 5 000 Prepare for your baby by attending antenatal classes Expectant mother on Medical Scheme (Principal member or partner only) 2 000 2 000 2 000 Go for an annual mammogram Females only Once a year 2 000 2 000 4 000 Go for an annual pap smear Females only Once a year 2 000 2 000 4 000 Go for an annual prostrate screening test Males only Once a year 2 000 2 000 4 000 Go for a

glaucoma test Once a year 2 000 2 000 4 000

Go for a cholesterol test at your nearest pathologist Once a year 2 000 2 000 4 000 Go for a blood sugar test at your nearest pathologist Once a year 2 000 2 000 4 000

Go for an eye test Once a year per family member, max of 5 1 000 1 000 5 000 Go for a bone density scan Once a year per family member, max of 5 1 000 1 000 5 000 Go for a HIV/ AIDS test and sign a declaration Once a year 5 000 5 000 10 000 Read health related articles on Health24 For every article read (max 3 per month)

Per article read Health24 100 2 500 5 000

Engage with a nutrition programme Online Health24 nutrition programme progress update

Once a week Health24 100 2 000 4 000

Attend eatForLife® session

Get moving

*There is an overall Physical fitness category limit of 30 000 points per member per year and 50 000 points per family per year.

Event Conditions Provider Points

per event Single member points limit Family membership annual points limit

Maximum category cap 30 000 50 000

Get active and know your Best of Activity Level Achieved Level 1 Best of activity level achieved over a range of activity categories Once a month Gym / Pedometer / Multiply FitTrack Index / Fitness Assessment / Special Events 0 9 600 19 200 200 Achieved Level 2 400 Achieved Level 3 600 Achieved Level 4 800 Achieved Level 5 Go for a Fitness Assessment Per fitness assessment (max 2 per year, minimum 5 months apart) VLC Fitness Assessme nt / Wellness Coaching Network Fitness Assessment 3 000 6 000 12 000 Do the Personal Wellness Assessment online Family medical history

Once a year Multiply Website

500 4 000 8 000 Health activity 500 Healthy nutrition 500 Healthy mind and body 500 Healthy habits 500 Workplace wellness 500 Bonus points on completion of all 6 categories 1 000 Log your completed sport events via Entrytime / EnterOnline

Events completed Per event with

an official finish time

entrytime.com 1 000 6 000 12 000

Visit the gym and stay active

Walk 10 000 steps with your Omron

pedometer

Gym visit

Reach 10 000 steps per day (aerobic steps double counted) Once a day Once a day Virgin Active / Planet Fitness Multiply 25 per event 25 per event 3 500 3 500 7 000 7 000

Event Conditions Provider Points

per event Single member points limit Family membership annual points limit

Take part in a Fitness Activity from a select group of partners Complete a

fitness activity Once a day

Multiply affiliated gyms / Adventure Boot Camp / Preggie Bellies / Momentum World of Golf gym / PWC Cycle Park / Super Cycling Park 75 per event 6 000 12 000

Get Financially Well

Event Conditions Provider

Points per event Single member points limit Family membersh ip points limit Use myScore to understand your lifestyle needs Short term Once a year Momentum website/ myScore 500 5 000 10 000 Life cover 500 Medical aid 500 Financial savvy 500 Critical illness and functional impairmen t 500 Retirement 500 Estate planning 500 Income protection 500 Bonus points on completion of all categories 1 000

Capture, manage and protect your documents with myFiling Per document uploaded Momentum website/ myFiling 100 1 000 2 000 Manage your finances with myFinTrack Once a month Momentum website 250 3 000 6 000

Determine the impact of your financial decisions

with mySmarts Save a _calculator

Per calculator

saved

Momentum

website 50 500 1 000

Get sound financial advice Life cover Points awarded for each complet ed category, once a year, only if claimed within 3 months of completio n Momentum Financial Advisors/ Independent Advisors 1 000 12 000 24 000 Critical illness and function al impairm ent 1 000 Retirement 1 000 Estate planning 1 000 Income protection 1 000 Medical aid 1 000 Short term 1 000 Bonus points on completion of 5 out of 7 categories 5 000

Event Conditions Provider

Points per event Single member points limit Family member ship points limit Use myScore to understand your lifestyle needs Short term Once a year Momentum website/ myScore 500 5 000 10 000 Life cover 500 Medical aid 500 Financial savvy 500 Critical illness and functional impairmen t 500 Retirement 500 Estate planning 500 Income protection 500 Bonus points on completion of all categories 1 000

Capture, manage and protect your documents

with myFiling Per document uploaded

Momentum website/ myFiling

100 1 000 2 000

Manage your finances

with myFinTrack _{Once a}

month

Momentum

website 250 3 000 6 000

Determine the impact of your financial decisions with mySmarts

Save a calculator Per calculator saved

Momentum

website 50 500 1 000

Get sound financial advice Life cover Points awarded for each completed category, once a year, only if claimed within 3 months of completion Momentum Financial Advisors/ Independent Advisors 1 000 12 000 24 000 Critical illness and functional impairmen t 1 000 Retirement 1 000 Estate planning 1 000 Income protection 1 000 Medical aid 1 000 Short term 1 000 Bonus points on completion of 5 out of 7 categories 5 000

Event Conditions Provider Points per event Single member points limit Family membership points limit

Get rewarded for having Momentum policies

Max of 1 point for every R5 recurring premium paid or 1 point for every R1 000 fund value Once a month Momentum policies/ Qualifying Medical Schemes Variable per month Single: Max 250 per product per month Family: Max 500 per product per month 9 000 18 000 Review investment portfolios or switch investments online

Twice a year FundsAtWork

(FAW) 400 800 800 Use FlexiCovers to increase or decrease your insurance cover

Only if Death, Disability and Critical Illness FNA or Financial Wellness Score is completed

Once a year for any benefit

FundsAtWork

(FAW) 800 800 1 600

Keep your beneficiary forms updated

Complete for the first time or verify that it is still correct

Once a year FundsAtWork

(FAW) 800 800 1 600

Keep your Will updated and safe with Momentum Fiduciary Services Yea r 1 Drafting , nominating Momentum as executors/ co-executors AND having your Will

in safe custody with Momentum Fiduciary Services Momentum Wills/Trusts 5 000 5 000 10 000 Yea r 2 Have a Will in Safe Custody AND (Complete MyScore Estate Planning OR FNA for Wills and Trusts OR Amend Will)

7. Claiming points

 If you earn points in one year and claim them in another, you have only three months to claim your points. For

example, if you earn the points on 1 December, you must claim them by 1 March. If you do not claim the points within this period, we will not award the points.

weeks in the allocation of points. If your points do not show within this time period, please phone our Multiply Contact Centre.

8. How to find out how many points you have

 logging onto the Multiply website and clicking on “My Account”, or

 by calling our Multiply Contact Centre on 0861 88 66 00.

9. Points carried over each year

 Multiply points accumulate every year from 1 January to 31 December (a calendar year).

 At the end of each calendar year, a percentage of Multiply points are carried over to the next calendar year.

 The percentage carried over depends only on how long you have been on Multiply.

 The following table summarises the carry-over points' percentages: Carry over points Event Condition Multiple Membershi p Duration

% Carry Over Single

member points limit Family membershi p points limit Carry Over (January 2015) % of points carried over into the next calendar year Once a year Carry over at end of 1st year 10% 20 000 35 000 Carry over at end of 2nd year 15% Carry over at end of 3rd year 20% Carry over at end of 4th year and thereafter 25%

New generation products currently include:

 Momentum Health or a qualifying restricted medical scheme administered by Momentum Health Medical Scheme Administrator,

 Myriad,

 Investo,

 FundsAtWork, and

 Momentum Short-term Insurance

All points are only available to the principal member and/or partner, except where explicitly mentioned otherwise.

Fitness partners

Virgin Active

 With Multiply‟s Save as you Gym™ benefit, members get up to 80% total discount, which includes up to 60% discount on monthly gym fees (depending on how often they visit the gym), and an extra 20% discount for achieving and maintaining good fitness levels. Members on Starter Gym™ get up to 10% total discount.  Base Multiply members get 10% discount on

monthly Starter gym fees.

 Full Multiply members who have under 18 dependants will receive a 50% discount on their gym fees

 Multiply members receive a 50% discount on their Club V and Club V Max gym fees Who may use this benefit?







 Virgin Active‟s mission is to bring positive change to people‟s lives, because life‟s more fun when you move.

 With more than 100 health clubs nationwide, they are getting people moving and feeling great all over South Africa.

 Being a member of Virgin Active is a fun way to get all the exercise you need – and by joining you get much more than a lean body for working out!

More about Multiply’s Save as you Gym™

 Multiply introduced the Save as you Gym™ benefit in 2007 to positively incentivising members to be more active and exercise more regularly.

 Over the past several years, members have experienced the positive effects of the Save as you Gym™ benefit and it has become one of the cornerstones of the Multiply programme. How to use this benefit

Principal members and their spouses/partners 1. Choosing a health club and a membership type

 Visit www.virginactive.co.za or phone the Virgin Active Call Centre on 0860 200 911 to find out about the health clubs in your area, and their respective monthly fees.

 Virgin Active offers three types of membership:

 Club membership – you may go to one Virgin Active health club only, which will be your home club.

 Premier membership – you may go to all Virgin Active health clubs in South Africa, except Classic

health clubs.

 Classic membership – you may go to all Virgin Active health clubs in South Africa.

 Virgin Active also offers services specifically for children up to the age of 13 years:

 Club-V – a child-minding service for children from six weeks to seven years old.

Club-V Max – a fitness programme for children from six

weeks to 13 years old, with specific age groups grouped

together.

2. Joining the gym

 Take your ID document and Multiply membership card to the Virgin Active health club of your choice.

 Complete the application process and pay the card fee and the compulsory one-off activation fee of R99 for the principal member and spouse/partner (per person).

 Give your bank details for the collection of your monthly debit order.

3. Earning the monthly discounts

You qualify for the following monthly discounts:

 A guaranteed Gym Visit Discount of 40% on your monthly gym membership fee for the first six months of your membership.

 Gym Visit Discount of between 20% and 60%, based on your average gym visits over a rolling three-month period to a maximum of R375 (not available to adult dependants) from your seventh month onwards.

 An additional Fitness Discount of 20%, based on the higher of the following two measures:

- Multiply fitness assessment result of Good (level 4) or Excellent (level 5).

 This discount will fall away once your fitness assessment results are older than six months.

 You can do a fitness assessment at a registered biokineticist from Virgin Life Care. Please visit www.virginlifecare.co.za for more information.

- Multiply FitTrack IndexTM

of greater than 30 during the month, based on logged (heart rate monitor and pedometer uploads) fitness sessions on the FitTrack website.

 Register on www.fittrack.co.za to log your training sessions and upload your data. Please note: The overall discount is limited to R700 (not available to adult dependants) per member per month, based on the sum of the two discounts above.

The following table summarises the Save as you Gym™ benefit: Activity category Number of gym visits*

per month

Gym visit discount Fitness discount** Monthly discount

Irregular <= 3 visits* 20% 20% 40% Occasional > 3 – 6 visits* 30% 20% 50% Intermediate > 3 – 9 visits*6 40% 20% 60% Moderate > 9 – 12 visits* 50% 20% 70% Frequent > 12 visits* 60% 20% 80% Maximum discount R375 R475***

* We will base the visits on your average visits over a rolling three-month period. We will apply the discount with a one-month lag.

* * The Fitness Discount will only apply if a member achieves a fitness assessment result of Good (level 4) or Excellent (level 5), based on your physical activity rating, or a Multiply FitTrack IndexTM of greater than 30.

* * * The total combined monthly discount will not exceed R475 per member, per month.

Adult dependants

This benefit is only applicable to adult dependants who are listed on the principal member‟s Momentum Health medical scheme plan or other qualifying medical scheme plan and members on the Multiply policy.

 These adult dependants have the option of taking out a normal Virgin Active gym membership that will give them unrestricted access to the gym.

 They have a choice between peak and off-peak memberships.

 They have to pay a once-off activation fee of R545.

The following table summarises the Save as you Gym™ benefit for adult dependants: Activity category Number of gym visits* per

month

Gym visit discount Fitness discount** Monthly discount

Irregular <= 3 visits* 10% 20% 30% Occasional > 3 – 6 visits* 20% 20% 40% Intermediate > 3 – 9 visits*6 25% 20% 45% Moderate > 9 – 12 visits* 30% 20% 50% Frequent > 12 visits* 40% 20% 60% Maximum discount R275 R375***

* We will base the visits on your average visits over a rolling three-month period. We will apply the discount with a one-month lag.

* * The Fitness Discount will only apply if a member achieves a fitness assessment result of Good (level 4) or Excellent (level 5), based on your physical activity rating.

* * * The total combined monthly discount will not exceed R375 per member, per month.

Earning Multiply points For gym visits

Conditions Points per visit Single member

points limit Family points limit

A maximum of one gym visit per day will be counted 25* 3 500 7 000

* Points will reflect within seven days after the visit. For fitness assessments

 You can earn 6 000 Multiply points a year for completing two fitness assessments in a calendar year.

 You can complete a fitness assessment through Virgin Life Care for only R220 For myvirginactive tracker

 You can earn up to 3 000 Multiply points a year by measuring key health indicators with the myvirginactive tracker throughout the year.

 The tracker is a personal measurement tool in every Virgin Active Club for capturing and monitoring your health measurements, thereby helping you to achieve your health and fitness goals.

 Register on the tracker by following the easy prompts.

 Once registered, you can take your vital measurements (blood pressure, heart rate, weight and body fat percentage) as often as you like.

Benefit rules

 The benefit is based on the standard one-year Virgin Active retail membership rate, which varies by club type, and does not apply to any membership specials that Virgin Active runs.

 Existing Virgin Active members may take up the Multiply benefit after they have served the relevant Virgin Active notice period.

 A principal member and partner may be members of different health club groups (i.e. Virgin Active and Planet Fitness), but neither of them may belong to both health club groups simultaneously through Multiply.

 If you use the Multiply Virgin Active benefit, you cannot join Planet Fitness at the discounted Multiply rates. However, if you join Planet Fitness as a self-paid member, you will be able to earn Multiply points for training at Planet Fitness clubs.

 You need to visit the gym at least twice a month (24 times a year) to enjoy the Save as you Gym™ benefit. We measure your visits over a rolling 12-month period. If you do not reach the 24-visit requirement in 12 months, your monthly discount will reduce to a 10% discount on your gym fees. To reactivate your Save as you Gym™, you do not need to pay a reactivation fee, but you will have to increase your visits to reach the minimum 24 visits over a rolling 12-month period. When you have reached the 24-visit requirement, your Save as you Gym™ benefit will be reactivated.

 We will only record one visit per day for the purpose of earning Multiply points and for the minimum gym visit requirement.

 You are responsible for making sure that the gym accurately records your visits. If the Virgin Active system is offline, you must ask that your visit is recorded manually in the register at reception.

 You can check the number of gym visits recorded for a particular month, as well as the number of visits in the last 12-month rolling period by logging onto www.momentum.co.za/multiply or www.virginactive.co.za.

 We will pause the 12-month rolling period only if you cannot gym for a period of six months or longer. You must inform us in advance if you will not be able to attend the gym. You must submit the request not to have your gym membership cancelled in writing, along with the required proof. We will make no exceptions or allowances for illness or travel for less than two months when we determine the monthly discounts.

 If you change club type during a month, we will only charge the adjusted monthly fee from the following month.

 A transfer between health clubs or a membership downgrade/upgrade requires a one-off administration fee, as determined by Virgin Active. Please call them on 0860 200 911 for the relevant fee.

 If you have a Club membership and want to pay an one-off visit to another club that is not your home club, you must pay a guest fee. Guest fees vary from club to club, so please enquire at the particular club‟s reception for details about their guest fee.

 Base Multiply members, who are members of Virgin Active of their own, will earn points for gym visits if they request this from us.

 A financial adviser or consultant cannot register on your behalf. Paying for this benefit

 You must pay all recurring membership fees monthly in advance.

 Multiply will cancel your gym membership if you do not pay the recurring monthly gym fee.

 Multiply will reinstate your gym membership if:

 the reinstatement occurs within two months of the date of cancellation, and

 you have paid all unpaid recurring gym fees accrued during the cancellation period. (We will base unpaid recurring fees during the period of cancellation on the standard monthly recurring fee for the club type.)

Virgin Active queries

 If you have any queries about Virgin Active and their facilities, health clubs, or upgrading/cancelling your Virgin Active membership, you can contact them by:

– phoning: 0860 200 911, or

– visiting: www.virginactive.co.za.

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is your responsibility to locate, read and make sure that you thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. You can consult the partner website and our client call centre. We will do our best to make sure that all the information about the partner rules and regulations included in our terms and conditions are correct, however, we cannot guarantee the accuracy of the information.

Multiply benefit or points queries

 If you have any queries about this Multiply benefit or points, you can contact us by:

- phoning: 0861 88 66 00,

- sending an e-mail to: [email protected], or

- visiting: www.momentum.co.za/multiply. Ending the benefit

 You will no longer have access to this benefit if your Multiply membership is cancelled.

 Please note that you must pay the standard monthly fee for at least 12 months from signing up for the Multiply Virgin Active benefit. If your membership is cancelled within 12 months from joining, you will still be liable for the monthly fee until this 12-month period is over.

How to cancel your Multiply Virgin Active membership

 You must cancel your contract with Virgin Active directly.

 Virgin Active‟s standard cancellations rules will apply, which is included in the contract you initially signed when you joined the gym. This usually includes a cancellation fee that is linked to the outstanding balance of a 12-month contract.

Fitness partners

Virgin Life Care

All members get free access to Virgin Life Care‟s fun and innovative health management services offered via LifeZone and earn loads of Multiply points.

Who may use this benefit?

This benefit is available to all Multiply members.

More about Virgin Life Care

 Virgin Life Care sets out to motivate you to make healthy decisions.

 They do this with a variety of fun and motivational, easy-to-use programmes that support and motivate you to get and stay active.

 This includes tools and resources for better fitness and eating habits, making it easy for you to chart your progress.

How this benefit works

 You get free access to LifeZone, Virgin Life Care‟s online portal, which offers you a range of health and fitness management tools.

 You earn Multiply points every time you record your health measurements on myvirginactive tracker inside Virgin Active gyms. Glucose and Cholesterol measurements captured via the myvirgintracker are not eligible to earn points.

 You also earn Multiply points for doing a Multiply fitness assessment, based on your physical activity rating, with a biokineticist licensed to perform the assessment.

 Full Multiply members and members of qualifying schemes get a free annual health assessment at a Dis-Chem or Clicks clinic, as well as 11 free follow-up measurements (one per month for the year) – and you earn Multiply points for every assessment.

How to use this benefit Free access to LifeZone

 Register on www.virginlifecare.co.za.

 Your unique username and PIN will give you access to your confidential personal folder called the “LifeZone”.

 You get a customised, goal-specific exercise programme and exercise animations.

 You get a meal plan that meets specialist dietary requirements, as well as a shopping list and recipes to match your meal plan.

 You can enter, view and track your health measurements whenever you want to.

Earn points for using myvirginactive tracker (for Virgin Active members only)

 You can earn up to 3 000 Multiply points a year by measuring key health indicators with the myvirginactive tracker.

 The tracker is a personal measurement tool in every Virgin

Active Club for capturing and monitoring your health measurements, thereby helping you to achieve your health and fitness goals.

 Register on the tracker by following the easy prompts.

 Once registered, you can take your vital measurements (blood pressure, heart rate, weight and body fat percentage) as often as you like.

 You can also update your exercise programme, meal plan and shopping list.

 All the information captured on myvirginactive tracker is also stored on your LifeZone page.

Earn points for doing a Multiply fitness assessment

 Simply book an assessment with a licensed Virgin Life Care registered biokineticist.

 You can find a list of registered biokineticists by visiting the Virgin Life Care website at www.virginlifecare.co.za.  You will only pay R240 for a Virgin Life Care 45-minute

physical fitness assessment. Please note: You must pay the biokineticist directly (in cash), but can claim this back against your medical savings account.

 Remember to take your Multiply membership card and ID document.

 You can earn Multiply points for completing the assessment – single members can earn 6 000 points and families 12 000 points, by doing two assessments a year.

 You will get an exercise programme customised just for you, based on the result of your assessment.

 You earn up to 1000 points per assessment for a finger prick glucose and cholesterol test done through certain Virgin Life Care facilities. Please note that you will be charged extra for a glucose and cholesterol test.

 To find your closest biokineticist, you should:

- visit www.virginlifecare.co.za, or

- phone Virgin Life Care toll free on 0860 26 39 47.

 Members must confirm with the biokineticist that his/her practice does cholesterol tests.

 You should wear comfortable clothing, such as tracksuit pants, tights or shorts, a T-shirt and comfortable running or walking shoes for the assessment. Please also take a gym towel.

.

Free annual health assessments at a Dis-Chem pharmacy or Clicks clinic

 Full Multiply members and members of qualifying schemes get a free annual health assessment at a Dis-Chem or Clicks clinic.

 Contact your nearest Dis-Chem or Clicks clinic for an appointment for a free, comprehensive health assessment every 12 months as part of the Virgin Life Care benefit.

 Make sure you have your Multiply membership number with you.

 You must tell the nurse doing the assessment that you are using your Multiply Virgin Life Care benefit.

 Your basic health measurements will include:

- weight,

- body mass index (BMI),

- blood pressure,

- waist circumference,

- glucose, and

 You will get your own customised health plan, complete with an exercise and meal plan (with a convenient shopping list), based on your goals and needs.

 After your first comprehensive assessment, you can go back to any Dis-Chem or Clicks clinic and get 11 free follow-up basic assessments (one per month).

Earning Multiply points

Activity Event Conditions Provider Points per event Single membership points limit Family membership points limit Full health assessment Cholesterol Once a year Dis-Chem/Clicks/ As part of Virgin Life Care

Fitness Assessment/ Fitness Assessment/ Myriad Underwriting/ Qualifying Medical Scheme /Corporate Wellness Day 3 000 3 000 6 000 Glucose Blood pressure BMI Health and wellness engagement (monthly check-ups) Cholesterol

Once a month 50 per

assessment 2 000 4 000 Glucose Blood pressure Body fat % BMI Blood pressure

High Once a year for best result achieved (award for improvement) 500 1 500 3 000 Raised 750 Normal 1 500

Body mass index

Underweight _{Once a year for} best result achieved (award for improvement) 500 1 500 3 000 Normal 1 500 Overweight 750 Obese 0 Glucose test

Raised Once a year for best result achieved (award for improvement) 1 000 2 500 5 000 Normal 2 500 Cholesterol test (finger prick)

High Once a year for best result achieved (award for improvement) 1 000 2 500 5 000 Raised 1 500 Normal 2 500 Engagement points

Activity Event Conditions Provider Points per event Single membership points limit Family membership points limit Fitness assessment Go for a fitness assessment at a biokineticist Per fitness assessment (max two a year,

minimum five months apart)

Virgin Life Care fitness assessment/ Wellness Coaching Network fitness assessment 3 000 6 000 12 000

 You can earn 3 000 points for completing the first fitness assessment in a calendar year and up to 800 Best of Activity Level points per month for six months, based on the physical activity rating result of your fitness assessment.

 You can earn an additional 3 000 points for completing a second fitness assessment, at least five months after the first assessment, but in the same calendar year.

Activity points

Best of Activity Level Best of Activity monthly points* Maximum single membership points Maximum family membership points Level 1 0 9 600 19 200 Level 2 200 Level 3 400 Level 4 600

Level 5 800

*Best of Activity Level points are based on the physical activity rating component of the overall fitness assessment only.

Benefit rules

 It takes us four to six weeks to allocate the fitness assessment points.

 We allocate points subject to our rules and they are only available to the principal member and/or life partner.  Remember that the fitness assessment result is valid only for

six months.

 You must do another fitness assessment after five months to continue earning points.

Virgin Life Care queries

 If you have any queries about Virgin Life Care, you can contact Virgin Active by:

– phoning, for general enquiries: 0860 200 911,

– sending an e-mail to: [email protected], or

– visiting: www.virginlifecare.co.za.

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior

notice. It is your responsibility to locate, read and make sure that you thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. You can consult the partner website and our client call centre. We will do our best to make sure that all the information about the partner rules and regulations included in our terms and conditions are correct, however, we cannot guarantee the accuracy of the information.

Multiply benefit or points queries

 If you have any queries about this Multiply benefit or points, you can contact us by:

– phoning: 0861 88 66 00,

– sending an e-mail to: [email protected], or

– visiting: www.momentum.co.za/multiply. Ending the benefit

You will no longer have access to this benefit if your Multiply membership is cancelled.