HOW DOES THE PROGRAMME WORK? GET ON TRACK TO ACHIEVE YOUR FINANCIAL GOALS IN FOUR EASY STEPS:

WHO CAN JOIN AND HOW TO JOIN OR SIGN UP?Old Mutual customers and non-Old Mutual customers can join our programme. Simply sign up on:oldmutual.co.za/rewards

I AM ALREADY AN OLD MUTUAL CUSTOMER. HOW WILL I BENEFIT FROM THE PROGRAMME?We have 5 tiers on the programme. Your Old Mutual Rewards tier is determined by the number of financial needs met with Old Mutual as well as the level of member engagement on the various financial wellbeing online courses, assessments and tools offered by the Old Mutual Rewards programme.

The 10 financial needs are:

Old Mutual Money Account

TRANSACTIONALSelected Old Mutual Retirement Savings Solutions

RETIREMENT SAVINGSSelected Old Mutual Funeral Solutions

FUNERAL COVER

Selected Old Mutual Life Cover Solutions

LIFE COVER

Selected Old Mutual Income Annuities Solutions

INCOME ANNUITIES

Selected Old Mutual Insure Solutions

SHORT-TERM INSURANCE

Selected Old Mutual Severe Illness Solutions

SEVERE ILLNESSSelected Old Mutual Disability Cover Solutions

DISABILITY COVER

Selected Old Mutual Savings and Investment Solutions

SAVINGS & INVESTMENTSOld Mutual Finance Loans

LENDING

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ENGAGE, LEARN & EARN Earn points as you take control of your finances.

3DEPENDING ON YOUR TIER, EARN MORE REWARDSThe rate at which you earn points and other discounted benefits is determined by your Old Mutual Rewards tier!

4REDEEM OR REINVEST Points can be redeemed with our partners for amazing rewards or reinvested towards your dreams.

1 SIGN UP It’s free and open to everyone.

It is a financial wellness programme designed to partner with you on your journey

towards financial freedom. It will educate and empower you to achieve your long term goals

with rewards along the way.

WHAT IS THE OLD MUTUAL

REWARDS PROGRAMME?

DO GREAT THINGS EVERY DAY

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HOW DO I EARN MY POINTS?Old Mutual rewards you for making responsible financial decisions to secure your future goals. Use our easy online tools to help you stay on track and get something back for all your great financial decisions. The rate at which you earn points and other discounted benefits is determined by your Old Mutual Rewards tier!

HOW DO I REDEEM MY POINTS?Redeem your points at any of our amazing partners or reinvest them to reach your dreams faster. Points are redeemed via digital codes and vouchers.

Or donate your points to charities featured on the Old Mutual Rewards website. 3

WHO DO I CONTACT FOR QUERIES? Contact Centre: 0860 700 800 Email: rewards@oldmutual.com

Old Mutual Rewards (Pty) Ltd. is a company in the Old Mutual Group

You can reinvest your points in the savings portion of your:1

Reward yourself with all our great partners:2

OLD MUTUAL MONEYACCOUNT

For example:In a particular month, you have the following Old Mutual Products:• a Funeral Plan with a monthly premium of R100• a Tax Free Savings Plan with a monthly premium of R1 000

You therefore have two product categories covered and are on Tier 2. In this month, you will earn:• 15% X R100 = 15 points for the Funeral Plan• 1.5% X R1 000 = 15 points for the Tax Free Savings Plan• Total monthly points = 15 + 15 = 30 points.

10 POINTS = R1

*The number of points may change.

TIER 10 – 1 financial

need met

TIER 2 2-3 financial

needs met

TIER 34 financial

needs met

TIER 45 financial

needs met or Assets >R25m

TIER 56 or more

financial needs met or

Assets >R25mLife Insurance (Points earned as a % of premium)* 5% 10% 20% 30% 35%

Savings, Investments & Lending (Points earned as a % of premium)* 0.5% 1.5% 2.5% 3.5% 5%

Funeral Cover(Points earned as a % of premium)* 5% 15% 25% 35% 50%

Short-Term Insurance (Points earned as a % of premium)* 2.5% 5% 10% 15% 20%