GOLD

R399 per

month!

R250 airtime EVERY MONTH plus up to 35% discount on Clientèle Mobile airtime and up to 30% discount on Clientèle Mobile data.*

100 monthly grocery coupons on selected products redeemable at Shoprite, Checkers and Checkers Hyper.

100 health and beauty coupons on selected health and beauty products redeemable at Dis-Chem.

Gift Vouchers: Save up to 10% off fashion, food, health & beauty, homeware, sporting goods and jewellery at stores such as Edgars, The Foschini Group (TFG), Woolworths, Shoprite, Checkers, Checkers Hyper and Dis-Chem.

FREE access to the COVID-19 Info & Trauma Line. This counselling service is available to you 24/7.

Free Education: Complete a Boston Connect online short learning programme and access Ivy Academy High School Learner Support.

Discounted bus tickets: Save 15% with Eldo Coaches.

Save on Movie Tickets: Enjoy up to 50% off 2D movie tickets at selected Nu Metro Cinemas as well as 10% off 2D and 3D movie tickets and on popcorn & beverage combos at selected Ster-Kinekor Cinemas.

Save on Dining: Get up to R100 cash back on the second most expensive meal every time you dine at over 1,000 participating restaurants and get up to R30 off at participating Steers restaurants when you spend R150.

Discounts on Clientèle Products: Get up to 20% discount on new Clientèle Funeral or Clientèle Legal Products purchased through the IFA App and paid via a DebiCheck mandate, after you have an IFA GOLD product.

Save up to 50% off South African Premier Soccer League Tickets.

10% discount on Showmax and Showmax Mobile subscriptions.

Below is a list of the great benefits that will be offered

with IFA GOLD:

Existing IFAs can also enjoy these great Rewards by using the IFA App to Power Up to the NEW IFA GOLD

Terms and conditions apply.

* The IFA can choose whether they would like to collect their SIM Card from an IFA Distributor, or have their SIM Card delivered to them.• If they choose to collect from an IFA Distributor: There will be a R30 activation fee charged when they collect their SIM Card.• If they choose for the SIM Card to be delivered: There will be an R80 charge to cover activation & SIM Card delivery.

MORE REWARDS, MORE VALUE FOR YOU, AND BIGGER

EARNINGS!

Select Delivery Option

Sign on the screen

Click ‘Submit Application’

As part of the sign up process you will be required to select your prefered Clientèle Mobile payment option

OPTION 1Getting your SIM

Card Delivered (R80)

Confirm banking details

Confirm your mobile number

Confirm you understand the

important information

How to Activate your Clientèle Mobile SIM Card when signing up for IFA GOLD

Sign up for IFA Gold on the IFA App

DELIVERY CONFIRM CONFIRM

Click ‘OK’ to DebiCheck

SUBMIT

Select ‘Pay Now’

Follow theprompts

PAY NOW

Follow the payment prompts

You will be contacted by our courier to arrange a time to

deliver your SIM CardOPTION 2Collecting your SIM Card from a Distributor (R30):

Once you have activated your SIM Card, we will load R250 airtime. You will get R250 airtime loaded every month, as long as you pay your monthly payment.

You will need to collect your SIM Card from distributor

FOLLOW THESE EASY STEPS

HOW TO SIGN UP FOR IFA GOLD

REDEEM YOUR

REWARDS

SUBMIT

PAY NOW REGISTER

JOIN IFA

Sign up to join IFA on the App

Fill in your own details and follow

the prompts

Select your payment option to get your SIM Card

Fill in your banking details and follow

the prompts

Sign on the Screen

Submit application and follow the prompts

Select ‘Pay Now’

Register and log in on the IFA App

CONFIRM

Confirm that you have viewed the IFA Digital

Presentation

CONFIRM

Confirm that you have viewed the

product information

Fill in your Introducer’s and Presentation

details

Choose IFA GOLD

Click ‘OK’ to DebiCheck

build your businessStarting out, all IFAs are taught the principle of building their business step by step; first by referring 2 people to join their team, then 5, then 10 - then teach each of these people to do the same.

THIS IS THE 2-5-10 PRINCIPLE and guarantees your success as an IFA

2 5 10

Monthly earnings Bonuses Clubs

HOW TO EARNThere are three main ways to earn with IFA:

01 02 03

Where an IFA has 5 or more paid Key Appointments and has an active DebiCheck mandate in place for his/her own product, the IFA becomes an IFA Earner. Monthly earnings are based on payments received from various products in the IFA’s downline. The calculation of monthly earnings depends on the products bought by the IFA’s downline.

Monthly earnings are calculated according to the year mode of each product, payment or premium and all annual increases. Each component of the premium (i.e. the base premium and each increase separately) has its own date of commencement that determines the year mode, i.e. the year of payment for that component.

MONTHLY EARNINGS In order to qualify as an IFA Earner

and to be paid earnings, the IFA must have an active DebiCheck mandate in place on their own

monthly payment.

IFA GOLDMonthly earnings are paid on IFA Gold net of VAT for the full duration of the contract.

Level Percentage Paid of Monthly Payment

1 1.875%2 3.75%3 3.75%4 1.75%5 1%6 0.375%

IFA Earnings on IFA Gold will be the same for all years.

MONTHLY EARNING CALCULATION EXAMPLE:

01

Level Count on Levels IFA GOLDR346.96 per month (excl VAT) Earnings per month

1 10 (1.875%) R65.05

2 100 (3.75%) R1,301.10

3 1000 (3.75%) R13,011.00

R14,377.15per month for

Levels 1-3

10

100

1000

NOTE: This example is only based on IFA GOLD. For more details and additional examples of IFA earnings, please go to www.ifa.co.za

BONUSESIFA bonuses are an essential

motivator to encourage IFAs to build their businesses.

IFAs can qualify for various bonuses with IFA for the first time on payment date 20 March 2021 and the last qualification date will be on payment date 20 February 2022. Starting out, all IFAs are taught the principle of building their business step by step; first by referring 2 people to join their team, then 5, then 10 - then teach each of these people to do the same. This is the 2-5-10 principle.

Each time you Introduce 2 or more new Key Appointments and they successfully DebiCheck during the competition period and pay their first payment in the same month, you earn an ALL STAR Bonus per Key Appointment as per the table below.

Number of Key Appointments

Bonus Amount per Key Appointment

2 – 5 R1506 or more R175

All IFAs

earn

from 2

ALL STAR Bonus

1

02

R175R175R175 R175 R175 R175 R175 R175 R175 R175

R1750

6 or moreR175 per Key Appointment

R150R150

2-5 key appointmentsR150 per Key Appointment

R300

The payments will be as follows:

Qualifying Criteria Bonus Amount

Maintain Club Status but Club points increase or stay the same

50% of Club payment achieved on20 December 2021

Increase Club Status 100% of Club payment achieved on 20 December 2021

To determine if an IFA qualifies for this bonus, the Club status for payment date 20 December 2021 will be compared to the Club status for payment date 20 March 2021. If the IFA has increased his/her Club points or Club status they will earn this bonus as per the table below. Any IFA who did not earn a Club payment in March 2021, or who joined during the competition period, but who receives a Club payment in December 2021, will automatically be deemed to have increased their Club status.

To earn the 13th Cheque Bonus an IFA must do the following:• Remain on the same Club status but increase their Club

points or increase their Club status during the bonus competition period.

• Introduce at least 10 new paying DebiChecked Key Appointments during the competition period.

• Qualify for Club 100 or higher for payment date 20 December 2021.

13th cheque bonus3

2

The Introducer 10 Bonus will be paid to the Introducer on their Earning Key Appointments achieving a milestone of Club 10.

A R175 Bonus will be paid to the Introducer for every new first-time Club 10 qualifier created on Level 1.

Introducer 10 bonus

This Bonus is not payable to Introducers whose Key Appointments drop a Club status and are re-instated to their Club thereafter.

The 13th Cheque Bonus will be paid to IFAs who have

worked hard during the year to maintain

or increase their Club status.

CLUBSJoin the Club and earn even more!

The IFA business has a number of steps to success, with the

appropriate status, and reward associated with each step.

Clubs Bonus Per Month Club Points Paid Key Appointments

Min Earners To Level 3 Year Mode Level

CLUB 10 R175 10 5 0 6 months or less 1-2

CLUB 15 R340 15 5 0 6 months or less 1-2

CLUB 30 R760 30 10 0 1st year 1-3

CLUB 60 R1,080 60 10 1 1st year 1-4

CLUB 100 R1,520 100 10 2 18 months or less All

CLUB 175 R1,930 175 10 4 2nd year or less All

CLUB 250 R2,410 250 10 4 2nd year or less All

CLUB 375 R2,830 375 12 4 2nd year or less All

CLUB 500 R3,360 500 15 5 3rd year or less All

CLUB 750 R4,790 750 15 6 4th year or less All

CLUB 1,000 R6,150 1,000 20 7 5th year or less All

Monthly Club Payments and Criteria

UP TO CLUB

25,000R109,790

03

LOAD THE POT OF GOLD TO WIN BIG!

Let’s spend the year from 15 February 2021 to 31 December 2021 filling up our POT OF GOLD!

The more IFAs that sign up for IFA GOLD the more the pot of gold fills up and the more prizes there are up for grabs!

How do you qualify to be eligible to win?

LET’S LOAD THAT POT OF GOLD!

BE AN IFA GOLD

INTRODUCER OR

SIGN UP FOR IFA GOLD

Rules:1. The competition period for the Pot of Gold is from 15 February 2021 up to and including 31 December

2021. All IFA GOLD sign ups between these dates determined the size of the prize available at the end of the competition period.

2. As the POT grows additional lucky draws and prizes are added, up to Lucky Draw 4. Once 100,000 sign-ups or more are achieved a car will also be given away. The size of the POT OF GOLD will determine which car will be given away by way of lucky draw and if the pot reaches 500,000 then 2 cars will be given away to 2 separate lucky winners.

3. Every IFA that signs up for IFA GOLD will receive an entry into the draw, and every monthly payment you make during the competition period gets you another entry.

4. Introducers will also receive one entry for every IFA GOLD introduced (on Level 1) and 1 entry for every monthly payment from that same IFA GOLD introduction paid thereafter.

5. To qualify for entries into the draw you must be an active IFA with a paid IFA GOLD Product (or a powered up IFA GOLD Business Fee).

6. All Lucky draws to take place at the 2022 National Awards.

Terms and Condition apply.

Every time an IFA signs up on IFA Gold, the POT OF GOLD increases by 1. The size of the Pot

will determine the prizes to be won. If we really

make sure the pot is full and reach 500,000 two lucky winners will each win a VW Golf.

Each time a bigger pot is achieved, you are still eligible to win in the smaller pots already achieved

i.e Lucky draw 1 - 4 will take place if 75,000 Gold sign ups are achieved

20,000 GOLD Sign ups 10 x R1,000 Vouchers for 10 lucky IFAs

37,500 GOLD Sign ups1 x R2,000 Checkers Vouchers every month for a year Total value: R24,000

55,000 GOLD Sign ups 1 x R40,000 Holiday Voucher

75,000 GOLD Sign upsA spending spree for one lucky IFA including vouchers; R10,000 Checkers, R10,000 Dischem, R10,000 TFG, R10,000 Woolworths AND a smartphone to the value of R15,000 WITH 100 minutes and 2 gigs data every month for 12 months. Total value: R65,000

the more coins in the pot determine the car prize

you stand a chance to win!

100,000 GOLD Sign upsSuzuki Swift

150,000 GOLD Sign upsVW Polo

200,000 GOLD Sign ups VW Golf

500,000 GOLD Sign Ups2 x VW Golfs

Lucky draw 1

Lucky draw 2

Lucky draw 3

Lucky draw 4

Lucky draw 5

WHAT IS DEBICHECK?DebiCheck is an initiative mandated by the South African

Reserve Bank and implemented by the banking industry

across South Africa. DebiCheck allows you as the client

to electronically approve any new debit orders processed

against your bank account and to ensure that the debit

order is in line with your agreed contract.

WHY SHOULD I DEBICHECK MY DEBIT ORDERS?• DebiCheck ensures that your monthly premium is

deducted from your bank account so that you can enjoy continued access to your valuable benefits.

• DebiCheck ensures that the debit order is in line with your contract and protects you from illegal debit orders.

• DebiCheck enables you to verify your new debit order.

Existing Clients - Using the IFA App• If you don’t have the IFA App already, visit the

Google, Apple App store or Huawei App Gallery and

download the App.

• Register in the App using your South African ID/

passport and cellphone number.

• Once you are registered, go to the “Policies” section

and select the policy you wish to DebiCheck.

• Click on the “Authenticate Now” button and follow

the easy steps that follow.

Existing Clients - Clientèle Call CentreContact a friendly Call Centre Agent on 011 320 3000

to guide you through the quick and easy process.

New Clients - When taking a new policyWhen taking out a new policy with Clientèle the

DebiCheck process will be completed as part of the

normal sales process. Your IFA Introducer will explain

and guide you through the process which can be done

either using your cellphone or by using your bank card

and PIN number on a DebiCheck Point of Sale Device.

HOW DO I DEBICHECK MY DEBIT ORDERS? The DebiCheck authentication process can only start

when you DebiCheck in the IFA App or speak to a

Clientèle Call Centre Agent. Clientèle will send your

DebiCheck authentication request to your bank at which

point you will be able to accept the request with your

bank via your preferred banking channel.

HOW TO FINALISE THE DEBICHECK PROCESS WITH YOUR BANK:It is important to remember that the DebiCheck process starts by engaging with Clientèle first, this can be done through the IFA App

or the Clientèle Call Centre. Clientèle will then send a request to your bank after which you are required to respond to your bank’s

request. It is very important to follow your bank’s instruction to complete the DebiCheck process. You can access and respond to your

bank’s DebiCheck request by accessing your preferred banking channel.

If your bank has your current cellphone number on record you will receive an immediate message from your bank which you need to look out for and respond to. If your bank has your old cellphone number on record, or you miss the message from your bank, you will be able to DebiCheck

via available banking channels in the next 72 hours following your engagement with your IFA Introducer or by accessing the IFA App.

Mobile Banking App Cellphone Banking Bank Call Centre ATM

1

2

3

Download the IFA App today!

This App is FREE to Use

How To

Your IFA GOLD Product

IFA Gold is brought to you by CBC Rewards (Pty) Ltd.