IFA

RULES
2024 - 2025

All the ins and outs

to help you
GROW your income!
www.ifa.co.za

A division of Clientèle Life

 Let’s Get Started
Is this you?
Need a little EXTRA at the end of the month?
Are you a GO-GETTER?
Do you want to be in CONTROL of your finances?
Do you want to determine your own SUCCESS?
Do you want to be REWARDED and RECOGNISED?

If you answered YES to any of these questions,

then let IFA add more to your life.

Welcome to IFA!
Whether you are experienced or a newcomer to network marketing, we are excited to share this business
opportunity with you! With IFA’s proven success since 1998, securing an extra income is within your reach.

This manual explains all you need to know about IFA while providing clear steps to start your network marketing
business. All the information pertaining to Bonuses, Earnings, Clubs, Awards, Competitions and Incentives is
outlined to avoid any potential misunderstandings.

This is your CHANCE

This is your MOMENT
Join us and CHANGE your life for the better

WELL THAT’S NEW!

SCAN QR CODES
Further exciting news – QR codes are now THROUGHOUT THIS
included in IFA Rules, allowing you to access MANUAL TO FIND
additional information with ease. OUT MORE
Contents

16
2
Prestige Awards.................................
The IFA App.......................................... Forum Awards

Steps to Success.................................3
IFA #1 Award
Top Earner Award
Join IFA and DebiCheck
I.M.F The winning formula Presenter Qualification..................... 17
Build your business
Start Earning Forum Membership...........................17
Join the Club
Make use of your IFA business tools IFA Masikhanye Competition..........19

Annual Awards 2024.......................... 11 Clientèle Royalty................................22

General Awards..................................12 Additional Information.....................24

Top Earner Creator Award 2024 Bursary Scheme
Presenter of the Year Award Earnings Tables
Club points Growth Award Clubs
New Business Quality Award Platinum Clubs
DebiCheck Champion Award Definitions

14
General Rules
IFA Points Awards............................... Bonus Rules
Fast Starter Award Club Rules
Mover and Shaker Award IFA Masikhanye Competition Rules
High Flyer Award Incentive Conference Rules
Couple of the Year Award IFA Contract
Top Points Award
The IFA App
Download the
App to run a
successful IFA
business!
Everything you
need for IFA, right
at your fingertips.

The IFA App is free to use!

Clientèle pays for the data

How to download and register on the App:

01 02 03 04 What can you do

On your Search for Click Register
on the App?
Smartphone, ‘IFA Business ‘Install’
open: Opportunity’
Google Play

Register as an IFA
Store

Apple App
Store

DebiCheck

Track your Performance

Check Earnings, Clubs and

business statements

Validate ID numbers and

re-introductions
SCAN THIS
QR CODE
to find out the full View products, payments
benefits of the app. and premiums

Initiate claims

Access Clientèle Royalty

Benefits
2 E&OE
Steps To Success

6
2 4
Make Use
Build your
of your IFA
Invite, Business Start
Join IFA Join the Business
Meet and Earning
and Club Tools
Follow-up
DebiCheck
3
5
1

Join IFA and

1 Simple ways to DebiCheck:
DebiCheck
1. In the IFA App
• Attend a Business Presentation
2. A Point of Sale Device with an IFA Presenter
• Download the IFA App
3. Through the DebiCheck Assist tool on the IFA App
• Join IFA on the IFA App and DebiCheck
4. Calling the National Contact Centre (011 320 3000)
• Keep your DebiCheck mandate active
• Continue to pay your monthly Business Fee
of R150 in addition to your product payment
The Business Fee is inclusive of VAT and subject to change

Why should I DebiCheck? IFAs benefit from DebiCheck

• DebiCheck allows you to verify new debit orders • Paid and DebiChecked products earn you bonuses
• DebiCheck safeguards you and your business • Each product DebiChecked in your downline earns you
from illegal debit orders 1.5 Club points
• DebiCheck ensures that your monthly payment is • DebiCheck unlocks your Clientèle Royalty benefits
deducted, keeping you connected to IFA benefits

SCAN THIS QR CODE

for more information on DebiCheck.

E&OE 3
 2 I.M.F
THE WINNING
FORMULA

For guaranteed
success, follow the
Invite, Meet and
Follow-up formula.
Invite
Every person you know and meet is someone you can
invite to attend or view an IFA Presentation. Always look
for an opportunity to introduce people to IFA.

INVITE PEOPLE DAILY

SCAN THIS
Meet
To be successful in IFA connect with your team regularly.
QR CODE Provide daily communication and support to build your
to see how to
network.
best utilise
this formula. STAY IN TOUCH WITH YOUR TEAM

Follow-Up
After meeting with your team members, continue to
follow up and encourage your network. Make sure they
follow your example and introduce others to IFA.

LEAD BY EXAMPLE

Ensuring quality business

Choosing the right team is what will drive quality in your business. The stronger your team, the more you earn.

How to choose your team?

• Are they looking to earn an EXTRA income?
• Are they AWARE of all the REQUIREMENTS in joining the IFA Business Opportunity?
• Can they AFFORD their total monthly payments?
• Are they able to invest TIME into the business?
• Do they have the same PASSION as you to be successful and GROW your business?
• Do they have the NECESSARY TOOLS to run their business, such as a smartphone?

Tip
Use these key points to build a
strong team and use I.M.F. to
continue growing your business!

4 E&OE
3 Build Your Business
A Key
Appointment is

2 5
someone you
Build your business step by step - introduce on

10
first 2, then 5, then 10 Level 1

YOU
2 Refer your first 2 Key Appointments
•
•
Introduce 2 Key Appointments in your team.
Get rewarded with your first Bonus, once your Key
Appointments DebiCheck and pay in the same month.

5 Increase your 2 Key Appointments to 5

• Introduce 5 Key Appointments that DebiCheck and pay
in the same month.
• Qualify as an IFA Earner, allowing you to access a
regular extra income.

10 Build your 1st Level to 10 Key Appointments

• Double your success from 5 Key appointments and build
your 1st Level to 10 Key Appointments that DebiCheck
and pay in the same month.
• 10 Key Appointments gets you access to the many IFA
Clubs and more Earnings.

DON’T STOP AT 10.

The more quality Key Appointments with
active DebiCheck mandates that you
introduce, the more successful you will be.

SCAN THIS QR CODE

to see how to grow your business.

E&OE 5
 4 Start Earning
There are three main
ways to earn with IFA: Monthly
Earnings Bonuses Clubs

EARN A REGULAR
EXTRA INCOME
When you have DebiChecked and
introduce5 OR MORE paid Key
Monthly Appointments with active DebiCheck
Earnings mandates, you become an IFA Earner.

Monthly Earnings are based on monthly payments received from your downline (your team) and calculated
according to each product type and the year mode of each product. See page 25 for more details on Earnings
by product type, Level and Year mode.

EXAMPLE 1:
Using an Ultimate Dignity Plan (Member only) with R35,000 cover for R390 per month.

Level Total Count on Levels Ultimate Dignity R390 per month Earnings per month

1 10 R46.80 x 10 (12%) R468

2 50 R93.60 x 50 (24%) R4,680

3 250 R93.60 x 250 (24%) R23,400

R28,548 Per month for Levels 1-3

EXAMPLE 2:
Using an IFA PERKS product where Earnings are paid on R260.87 (R300 less VAT)

Level Total Count on Levels IFA Perks R300 per month Earnings per month

1 10 R5.87 x 10 (2.25%) R58.70

2 100 R11.74 x 100 (4.50%) R1,173.92

3 1000 R11.74 x 1,000 (4.50%) R11,739.15

R12,971.77 Per month for Levels 1-3

6 E&OE
Boost your income with bonuses
Bonuses
Bonuses are the stepping stones to growing your business. Qualify
for the following bonuses from payment date 20 March 2024. The
last qualification date will be for payment date 20 February 2025.

Carbon Copy Bonus

BONUS RULES:
The Carbon CARBON COPY • Your starting point for 20 March 2024, will be based
Copy Bonus is
on paid Key Appointments as at 20 February 2024.
made up of two BONUS • In order to earn your first Matching Bonus you
different parts:
must have earned at least a base bonus in the
previous month.
BASE MATCHING • New Key Appointments must be 26 years and
BONUS BONUS older for you to qualify for the Carbon Copy Bonus

01 02 on those introductions.

1. THE BASE BONUS 2. THE MATCHING BONUS

When you introduce 2 or more new paid Key Appointments on In addition to the Base Bonus payment, you have the potential
Level 1 with an active DebiCheck mandate, you will receive a to earn a Matching Bonus. To qualify for the Matching Bonus,
once-off bonus payment. The bonus amount will be determined you need to match the previous months performance (that is
by the band your new introductions fall into. either Band 1,2 or 3). This bonus is only earned if you maintain
or increase the band that you qualified for in the previous
month.

Number of new BASE BONUS amount Number of MATCHING BONUS

paid Key per new paid Key new paid Key amount per new paid
Appointments Appointment Appointments Key Appointment
Band Band
1 2-4 R75 1 2-4 R75

Band Band
2 5-9 R125 2 5-9 R125

Band 10+ R150 Band 10+ R150

3 3

Let’s take a look at the Carbon Copy Bonus in practice:

Total Bonus
Previous Month Current Month
Payment
4 New Paid Key Appointments Base Bonus
4 New Paid Key Appointments
STAY IN

R75 each = R300

R600 Band SAME KEY
with an active DebiCheck mandate
PLUS Matching Bonus R75 each = R300 1 APPOINTMENTS

9 New Paid Key Appointments Base Bonus INCREASE TO

4 New Paid Key Appointments R125 each = R1,125

R2,250 Band
PLUS Matching Bonus R125 each = R1,125 2
INCREASE IN KEY
with an active DebiCheck mandate APPOINTMENTS

5 New Paid Key Appointments Base Bonus STAY IN

6 New Paid Key Appointments R125 each = R625

R1,250 Band DECREASE IN KEY

2 APPOINTMENTS
with an active DebiCheck mandate
PLUS Matching Bonus R125 each = R625
4 New Paid Key Appointments Base Bonus DECREASE TO

5 New Paid Key Appointments R75 each = R300

R300 Band DECCREASE IN KEY

with an active DebiCheck mandate NO Matching Bonus due to decrease in 1 APPOINTMENTS

performance of the previous month

E&OE 7
Step-Up 10 Bonus
Qualification Period: Payment date
Back by popular demand 20 March 2024 – 20 February 2025.

An IFA can earn a R1,500 once-off bonus the first time they introduce 10 new paying Key Appointments with a DebiCheck
mandate on Level 1. All Key Appointments must pay their monthly payments in the same IFA earnings period within 3 months
of the capture date of the first Key Appointment introduced. These 10 Key Appointments will also count towards the Carbon
Copy Bonus.

Earner Creator Bonus

Creating Earners is an important part of building a sustainable business. A Bonus of R1,000 will be paid to you as the Introducer
of each new Earner you create on Level 1, provided that you create a minimum of 2 NEW Earners on Level 1 within the same
Earnings Period. A new Earner is defined as a first time Earner with no Net Earnings paid prior to you earning this bonus.

Qualify for a second Bonus payment of R1,000 per Earner in Month 2 and a third Bonus payment in Month 3 as long as your
new Earner consecutively maintains or increases their Net Earnings during the applicable Earnings period.

New Earners Created on Level 1 Month 1 Month 2* Month 3*

Minimum of 2 R2,000 R2,000 R2,000 *R1,000 per qualifying Earner
3 R3,000 R3,000 R3,000 who is still earning.
4 R4,000 R4,000 R4,000

If only one of your qualifying new Earners (minimum of 2) maintains or increases their Net Earnings in Month 2 or
Month 3, you will still earn the bonus amount for that Earner in Month 2 and/or Month 3.

To earn the 13th Cheque Bonus

an IFA must do the following:
13th Cheque Bonus
The 13th Cheque Bonus will be paid to IFAs who have worked hard during Introduce at least 10 new
the year to maintain or increase their Club status. paying DebiChecked Key
Appointments during the
You can earn a 13th Cheque Bonus as follows: competition period.
Your Club points and status for payment date 20 December 2024 will be
compared to your Club points and status for payment date 20 March 2024. Qualify for Club 30 or
higher for payment date
Your Club points or Club status will earn this bonus as per the table 20 December 2024.
below:

QUALIFYING CRITERIA BONUS AMOUNT

Maintain Club status but Club points increase 50% of Club payment achieved on 20 December 2024
Increase Club status 100% of Club payment achieved on 20 December 2024

Any IFA who did not earn a Club payment in March 2024, or who joined during the competition period, and who receives a
Club payment in December 2024 (Club 30 or higher), will automatically be deemed to have increased their Club status.

8 E&OE
Introducer Bonus
This Bonus is paid to you, the Introducer, when your Earning Key Appointments achieves the qualifying Club status.

INTRODUCER 10 INTRODUCER 60
BONUS BONUS

A once-off R500 Bonus will be paid to you A once-off R1,000 Bonus will be paid to you
for every new first-time Club 10 or Club 15 for every new first-time Club 60 qualifier created
qualifier created on Level 1. on Level 1.

INTRODUCER 30 INTRODUCER 100

BONUS BONUS

A once-off R750 Bonus will be paid to you for A once-off R1,250 Bonus will be paid to
every new first-time Club 30 qualifier created on you for every new first-time Club 100 qualifier
Level 1. created on Level 1.

Club Introducer Bonuses will not be

payable to Introducers whose Key
Appointments drop a Club status and
are re-instated to their Club thereafter.

LET’S RECAP:

CARBON COPY BONUS

This is your first bonus. Get rewarded for at least 2 new IFAs introduced into your business.

STEP-UP 10 BONUS
Introducing 10 IFAs on your Level 1 within 3 months will earn you a once-off bonus of R1,500.

EARNER CREATOR BONUS

Once you are an Earner work with your team to create at least 2 new Earners on your Level 1.

13th CHEQUE BONUS

Achieve consistent monthly growth in your Club Points between 20 March 2024 and 20 December 2024
to receive exciting rewards

INTRODUCER BONUSES
In IFA, you need to work with your team to create sustainable business and to do this, you need to
develop new Club qualifiers. If you do this, you will be rewarded again.

E&OE 9
 5 Join the Club
Each step has an appropriate status and reward.

After building a first Level that is at least 5 paid Key Appointments

strong, the next step and reward, is IFA Clubs which are paid
to you monthly if the qualifying criteria are met. Every monthly
payment from your downline earns you Club points. See page 26
Clubs and 27 for more details on Clubs.

See these examples...

5 Key Appointments
CLUB 15 15 Club points on Levels 1 - 2
Pays R340 monthly

15 Key Appointments

CLUB 500 500 Club points on all Levels

Pays R3,560 monthly Minimum 5 Earners on all Levels
Every DebiCheck,
GSD or Earnings
Deduction Payment 20 Key Appointments
= 1.5 CLUB POINTS CLUB 1,000 1000 Club points on all Levels
Pays R6,330 monthly Minimum 7 Earners on all Levels

6 Make Use of your IFA Business Tools

Business presentations Exciting bonuses:

Continue and events: Enjoy bonuses as you grow your IFA
to pay your Attend regular business presentations Business – another reward for your
Business Fee hosted by presenters every week. hard work.
every month
Simple digital tools: Competitions:
and you can
Navigate IFA easily with our user- Partake in annual competitions where
receive all friendly app and self-help tools you can win exciting prizes.
these tools! for smooth sign-ups and business
management. Marketing materials:
Access a range of valuable marketing
Learn at your pace: materials and clothing items to spread
Grow your skills with accessible online the word about IFA.
training sessions designed to help you
grow your IFA business. Clientèle Royalty:
Access all your benefits on website,
All IFAs are required Recognition of top IFAs: mobi and app.
to pay a Business Receive recognition for your hard work
Fee every month – monthly, quarterly and annually.

10 E&OE
 Annual Awards 2024

Competition Period
All new introductions that count towards payment dates 20 February 2024
to 20 January 2025 (inclusive) will be considered for National Awards.
The Fast Starter Award is measured from payment dates 20 June 2024
to 20 January 2025 (inclusive). The Provincial competition period will be
from payment date 20 February 2024 to 20 December 2024.

Who Will Be Recognised?

IFAs in the top 10 positions per province will be announced before the IFA
Annual Awards, and thereafter the top 3 positions per province will be invited
at Clientèle’s cost to the IFA Annual Awards, provided that they meet the
General Awards national minimum criteria. Positions 4-10 are able to attend, at their own cost.

• Top Earner Creator Award The top 3 National qualifiers that meet the minimum criteria in each award
• Presenter of the Year Award category will be recognised with the exception of the Chairman’s Award,
• Club points Growth Award Legends Award, Achievers Award, Champions Award and IFA #1 Award
• DebiCheck Champion Award where only 1 IFA will be recognised in each of these categories.
• New Business Quality Award
Who Qualifies?
All active IFAs who have an active DebiCheck mandate in place are eligible
to qualify for the awards.
IFA Points Awards
Forum Members are only eligible to qualify for the following awards:
• Fast Starter Award • DebiCheck Champion Award
• Mover and Shaker Award • Top Earner Creator Award
• High Flyer Award • New Business Quality Award
• Couple of the Year Award • Forum Awards
• Top Points Award • IFA #1 Award
• Top Earner Award

Provinces for Recognition:

Prestige Awards 1. KwaZulu-Natal
2. Gauteng
• Forum Awards 3. Eastern Cape
• IFA #1 Award 4. Western Cape
• Top Earner Award 5. Inland (Free State, Northern Cape, Mpumalanga, Limpopo & North West)

For each category, the rules manual sets out details of

the competition period, who can qualify for the award,
the objective of the award and any specific qualification
criteria. Please note that all awards are subject to general
rules as outlined in the General Rules section detailed
on page 29-31 of this manual, and are subject to the IFA
contract, terms and conditions.

E&OE 11
General Awards

Top Earner Creator Award

Profile:
Qualification criteria
• All active IFAs who are considered for payment on 20 January 2025 will be
The winner of this award will
eligible to qualify.
be the IFA with the highest
• The IFA must qualify for a Carbon Copy Bonus in two different months of the
total new Earners created
competition period.
on Levels 1-2 during the
• A minimum of 25 new IFA Earners created on Levels 1-2 will be required at the
competition period.
end of the competition period for National recognition.
• A minimum of 15 new IFA Earners created on Levels 1-2 will be required at the
end of the Provincial competition period for Provincial recognition.

Presenter of the Year Award

Profile:
Qualification criteria
• The IFA must be an active IFA Presenter at the time of the IFA Annual Awards
with a minimum Club status of Club 250 in one of the last four months of the The winner of this award will
competition period. be the IFA Presenter who has
• The Presenter of the Year will be the Presenter who has presented to the highest presented to the highest
number of new people, subject to: number of new people during
- A minimum presentation assessment average of 80% with zero “no-shows” the competition period.
recorded during the competition period.
- An average of at least 50 new attendees per month must have been presented
to for at least six months of the competition period.
- The Presenter must qualify, at least, for the 2nd Cut category in the IFA’s
Masikhanye competition to compete in this category.
- The Presenter must be in good standing in terms of the IFA contract and the
Presenter Agreement.
- The Presenter must have completed all the required training as specified by
Clientèle.
- A minimum of 200 new attendees must have been presented to in the
Provincial competition period for Provincial recognition.
- A minimum of 2 presentations per month on average.

Club points Growth Award

Qualification criteria
Profile:
• All active IFAs who are considered for payment on 20 January 2025 will be
eligible to qualify.
The winner of this award will
• The IFA must qualify for a Carbon Copy Bonus in two different months of the
be the IFA with the highest
competition period.
growth in Club points over
• Club points on 20 December 2024 will be compared to those on 20 February 2024
the competition period.
(0 for new IFAs).
• A minimum growth of 500 new Club points will be required at the end of the
competition period for National recognition.
• A minimum growth of 100 new Club points will be required at the end of the
Provincial competition period for Provincial recognition.

12 E&OE
New Business Quality Award

Qualification criteria
• All active IFAs who are considered for payment on 20 January 2025 will be
Profile:
eligible to qualify.
• The IFA must qualify, at least, for the 1st Cut category in IFA’s Masikhanye
competition to compete in this award category. The winner of this award
• The 1st premium unmet percentage will be calculated on all of the new will be the IFA who has the
business policies introduced and billed on Levels 1-3 during the competition lowest 1st premium unmet
period. percentage on new business
• A 1st premium unmet percentage of 50% or lower must have been achieved introduced on Levels 1-3
over the period on Levels 1-3 for National recognition. during the competition period.
• A 1st premium unmet percentage of 55% or lower must have been achieved
over the period on Levels 1-3 for Provincial recognition.

1st premium unmet percentage is calculated net of refunds (for any reason) as:

New (first) payments received and not disputed

1- On Levels 1 - 3
Total new (first) payments billed

DebiCheck Champion Award

Profile:
Qualification criteria
• All active IFAs who are considered for payment on 20 January 2025 will be
The winner of this award will
eligible to qualify.
be the IFA who has the highest
• The IFA must qualify for a Carbon Copy Bonus in two different months of
success rate relative to the
the competition period.
total new introductions in the
• A minimum of 400 new IFAs on Levels 1-3, within the qualifier’s downline,
competition period.
must authenticate their debit orders via DebiCheck for Provincial and
National recognition.

Total Production
as at month end

x 100 = DebiCheck Success %

Total Production + On hold Applications

as at month end as at month end

This calculation will be done each month for the duration of

the competition period and the average of these months
will be used for recognition.

E&OE 13
IFA Points Awards
Earn some Bonus Points:
IFA Points Explained:
Every paid new business product with
a DebiCheck mandate (Levels 1-3) = 10 Increase
Create
points per product 1 or more new your Club
Earners on status from Club
1x = 10 POINTS Level 1 30 upwards
= 50 POINTS = 150 POINTS

On Levels 1 - 3

IFA points apply to a number of award qualification criteria and earn you points in IFA’s Masikhanye Competition.
Points are awarded each month for paid new business which has a successful DebiCheck mandate in place.

Bonus points can also be earned for one or more Earners created on Level 1 and an increase in Club status.

Fast Starter Award

Qualification criteria
Profile:
Active IFAs who joined the IFA business and whose date of capture resulted in
them being considered for the first time of payment between 20 February 2024
and 20 January 2025 (inclusive), and whose first application must have been The new IFA who has earned
captured on or after 1 December 2023. the most IFA points over
• A minimum of 3,500 IFA points is required for National recognition. an 8 month period, from 20
• A minimum of 1,000 points is required for Provincial recognition. June 2024 to January 2025
• The IFA must qualify for a Carbon Copy Bonus in two different months of (inclusive) in their first year of
the competition period. entry as part of IFA.
• IFA re-introductions are excluded from this award.

Mover and Shaker Award Profile:

Qualification criteria The IFA who has earned

Active IFAs who joined the IFA business and whose date of capture resulted the most points during the
in them being considered for the first time for payment between 20 February competition period, in the
2022 and 20 January 2024 (inclusive). two years following their year
• A minimum of 5,000 points is required for National recognition. of joining the IFA Business
• A minimum of 1,500 points is required for Provincial recognition. Opportunity (In Year 2 and
• The IFA must qualify for a Carbon Copy Bonus in two different months of Year 3).
the competition period.

14 E&OE
High Flyer Award Profile:
Qualification criteria
The IFA who has earned
Active IFAs who joined the IFA business and whose date of capture resulted in
the most IFA points during
them being considered for the first time for payment between 20 February 2021
the competition period, in
and 20 January 2022 (inclusive).
their fourth year of the IFA
• A minimum of 5,000 points is required for National recognition.
Business Opportunity.
• A minimum of 1,500 points is required for Provincial recognition.
• The IFA must qualify for a Carbon Copy Bonus in two different months of
the competition period.

Couple of the Year Award

Qualification criteria
Profile:
• Both IFAs must qualify for at least one Carbon Copy Bonus during the
competition period.
• A minimum of 5,000 points between the couple is required for National The winner of this award will
recognition. be the couple who earn the
• A minimum of 1,500 points between the couple is required for Provincial highest number of combined
recognition. IFA points during the
competition period.
Special Conditions
• Civil law and customary marriages, universal partnerships (common law) will
be recognised.
• Couples must have previously received recognition or follow a formal
registration process and be approved for recognition as a couple by payment
date 20 July 2024.

Top Points Award Profile:

Qualification criteria
The winner of this award
• A minimum of 12,500 IFA points is required for National recognition.
will be the IFA who has
• A minimum of 3,500 IFA points is required for Provincial recognition.
earned the highest number
• The IFA must qualify for a Carbon Copy Bonus in two different months of
of IFA points during the
the competition period.
competition period.

• All introductions made via IFA Database

and Resales are excluded from the point
calculation.
• All monthly payments that are disputed
or refunded, points will be reversed.

E&OE 15
Prestige Awards

Your Wealth.
Your Journey.
Your Way.

Forum Awards

Qualification criteria
Profile:
Growth in Club points will be determined by comparing Club points on
20 December 2024 to Club points on 20 February 2024.
The winners will be the top
• The Forum member and contract must still be in good standing by
Forum member in each Forum
the 2025 IFA Annual Awards.
category with the highest
• The Forum member may not have dropped to a lower Forum
positive growth in Club points
category or out of the Forums at the 2025 IFA Annual Awards.
over the competition period, in
• The Forum Member must qualify for a Carbon Copy Bonus in two
that category.
different months of the competition period.

IFA #1 Award Profile:

Qualification criteria
The winner of this award will
• All active IFAs who are considered for payment on 20 January 2025
be the IFA who has achieved
will be eligible to qualify.
the highest number of Club
• The IFA must at least qualify for the 2nd Cut category in the IFA’s
points and has consistently
Masikhanye competition to compete in this award category.
produced during the
• The IFA must qualify for at least a Club 8,750 as at 20 January 2025.
competition period.

Top Earner Award

Qualification criteria
• All active IFAs who are considered for payment on 20 January 2025 Profile:
will be eligible to qualify.
• The Top Earner must qualify for a Carbon Copy Bonus in two The winner of this award will
different months of the competition period. be the IFA with the highest
• Total Earnings is defined as Net Earnings plus Bonuses and Club Total Earnings during the
payments. It specifically excludes allowances such as Forum competition period.
Allowances and Presenter Allowances, and any adhoc, once-off
special incentives or competitions.

16 E&OE
Presenter Presenters are the face of IFA and their role is to present the IFA
Business Opportunity to prospective IFAs. Presenters who meet the

Qualification
following criteria will be invited to attend the 2025 IFA Annual Awards
at the company’s expense.

For the IFA 2025 Presenters’ Qualification Criteria:

Annual Awards
• The IFA Presenter must earn a Presenter’s allowance in at least 4
months of the competition period.
• The IFA Presenter must complete the required IFA official training
during 2024.
• An average of at least 25 new attendees per month must have
been presented to from June 2024 to December 2024.
• The IFA must qualify for a minimum of a Carbon Copy Bonus in
two different months of the competition period.
• The IFA must be an active IFA Presenter with a minimum Club
status of Club 30 in one of the last four months of the competition
period.
• A minimum of 2 presentations per month on average.

SCAN THIS IFA Presenters, including those who do not meet the criteria, are
QR CODE
required to attend Presenter training after the IFA Annual Awards
For a quick overview
should they wish to be re-accredited in the following year. Those IFAs
on IFA Presenters
who have not qualified will be liable for their own costs to attend this
training.

BECOME PART OF

The purpose of the The Forum is to acknowledge the remarkable

contributions of our top IFAs who define excellence. The Forum’s
influence reaches far beyond their own circle, inspiring the network
to work harder, reach higher and achieve more. Through the Forum’s
example, you too can succeed.

Qualification for Forum membership is measured from payment dates

20 February 2024 to 20 January 2025 (inclusive) and the new Forums
will be announced at the 2025 IFA Annual Awards. The qualification
criteria that will be applied over the next year are shown on the next
page for each Forum category.

SCAN THIS QR CODE

To see the benefits of being a Forum Member.

E&OE 17
CHAIRMAN’S FORUM
Limited to up to the Top 5 IFAs that meet the minimum criteria based on the highest Earnings during the competition
period. These IFAs must meet the below criteria:
• A Chairman must have been a Chairman or Legends Forum member (or equivalent tier) in a previous competition
period in order to qualify as a Chairman.
• A Chairman’s Forum member will not fall more than one Forum position in any particular year. The “fallen” Forum
member will in no way affect the positions of those who have met the criteria for qualification at the lower Forum Level.

Competition Period Earning Key Earners Paid New Business with

Club
Ending Appointments (L1) (L1 - 3) a DC Mandate (L1)

8,750 once in last 4 months

2025 12 75 7
of competition period
10,000 once in last 4 months
2026 15 90 8
of competition period

LEGENDS FORUM
• Up to the next 5 IFAs after the Chairman’s Forum members with the highest Total Earnings. These IFAs must meet the
below criteria.
• A Legend must have been a Forum member in a previous competition period in order to qualify as a Legend.

Competition Earning Key Earners Paid New Business with a

Club
Period Ending Appointments (L1) (L1 - 3) DC Mandate (L1)
6,250 once in last 4 months
2025 8 55 10
of competition period
7,500 once in last 4 months
2026 10 70 12
of competition period

ACHIEVERS FORUM
• Up to the next 8 IFAs after the Legends Forum members with the highest Total Earnings. These IFAs must meet the
below criteria.
• An Achiever must have been a Forum member in a previous competition period in order to qualify as an Achiever.

Competition Earning Key Earners Paid New Business with

Club
Period Ending Appointments (L1) (L1 - 3) a DC Mandate (L1)

4,500 once in last 4 months of

2025 4 40 13
competition period
5,000 once in last 4 months of
2026 5 50 16
competition period

CHAMPIONS FORUM
Up to the next 10 IFAs after the Achievers Forum members with the highest Total Earnings. These IFAs must meet the
below criteria:

Competition Earning Key Earners Paid New Business with a

Club
Period Ending Appointments (L1) (L1 - 3) DC Mandate (L1)

3,000 once in last 4 months

2025 2 28 16
of competition period
3,750 once in last 4 months
2026 3 35 20
of competition period

18 E&OE
 ASIKHANYE
LET US SHINE!
The 2024 / 2025 IFA Competition

CARBON COPY
Get started! BONUS
To qualify for the Masikhanye Competition, all
you need is a minimum of one Carbon Copy
bonus in the competition period.

How To Earn Earn additional points

each month you:
Your Points:
Every paid new business Increase
Create
product with a DebiCheck your Club
1 or more new
mandate in the earnings status from Club
Earners on Level 1
month (Levels 1-3) 30 upwards
= 50 POINTS
= 10 points = 150 POINTS
once off.

To earn points, you have at least 1 paid new business

product on Level 1 in the earnings month.

Competition categories
Qualify and win! The more you do, the bigger the reward!

3rd 4th
1 st 2 nd
CUT
CUT
CUT CUT

In this first cut of the You are well on your You are about to reach The treasure is getting
competition you stand way to success. the pinnacle of the closer than you can
the chance to win one of: This category will see you competition. Now you imagine! Qualify in this
10 x R5,000 CASH securing cash prizes: are really shining! category and win BIG
PRIZES. Secure a
Position 1: R15,000 GUARANTEED Position 1: R75,000
*Forum Members are not Position 2: R12,500 R20,000 Position 2: R60,000
eligible for this category Position 3: R10,000 CASH PRIZE Position 3: R50,000
Position 4: R8,000 Position 4: R45,000
Position 5: R7,500 Position 5: R35,000
Position 6+: R25,000
Plus 2 x R6,500
vouchers that will be
won in a lucky draw!

1st Cut 2nd Cut 3rd Cut 4th Cut

MINIMUM POINTS MINIMUM POINTS MINIMUM POINTS MINIMUM POINTS

1,000 5,500 11,500 15,500
E&OE 19
 THE PERFECT
C u t
R1,000,000 Cut
CASH PRIZE
The top IFAs (to a maximum of 4) who achieve 32,500
points or more will qualify to share a R1,000,000
cash prize according to each qualifier’s individual
DebiCheck production contribution on Levels 1-3
during the competition period.

The brilliance
Drive away in a
Lucky Draw
brand new
car to All competition categories will
the value of be entered into a lucky draw and
R380,000 stand a chance to win a BRAND
NEW CAR!

The more points you achieve, the

more entries you will have in the
lucky draw.

Every 50 points = 1 entry in the

lucky draw

alue Check Position 1 R12,500

MID-YEAR QUALIFICATION
20 February 2024 – 20 June 2024. Position 2 R10,000
All qualifiers will be eligible to compete for provincial prizes
at the halfway mark of the competition period. Position 3 R7,500

Position 4 R5,000
The top 5 qualifiers in the defined 5 provincial areas (KZN,
GP, WC, EC and INLAND) will receive cash prizes, subject to
a minimum of 1,000 competition points being earned in the
period (February 2024 to June 2024). Position 5 R2,500

20 E&OE
 Pack your
IFA 2025 INCENTIVE CONFERENCE bags and jet

Island
off with us to
experience
paradise in

Bali!

This is how you can qualify:

18,500 points guarantees your place

for the Island Treasure Incentive
Conference 2025

The Top 20 points positions with a

minimum of 12,500 points

The Top 3 Fast Starters with a

minimum of 3,500 points
Earning points will be crucial
Top 2 National Presenters to help you secure your
seat for the Island Treasure
Forum Members qualify by achieving Incentive conference on the
Forum Qualification criteria exotic island of Bali.

E&OE 21
NEW FREE TO ALL CLI E NT È LE POLI CY HOLDE R S

IFAs have FREE access to a one of a

kind loyalty programme offering exciting
monthly benefits.

From the moment you have an active DebiCheck mandate,

and pay your premium, you automatically qualify for Clientèle
Royalty! This means you get access to monthly savings and
discounts on groceries, entertainment, travel, fashion, fast
food, education vouchers and so much more! The more
consecutive premiums you pay, the higher the tier you climb.

How to climb up the Royalty tiers

The longer you show your loyalty, the bigger and better your benefits will be with each step. Clientèle Royalty is based on a 5
tiered model with simple entry requirements. Pay all your premiums every month and DebiCheck, and get access to all these
amazing benefits and discounts. IFAs will move up (and down) tiers based on paying premiums consecutively and ensuring an
active DebiCheck mandate is in place.

Let’s see the

tiers below
and how you
qualify:
TIER 1 TIER 2 TIER 3 TIER 4 TIER 5

Active policy

DebiCheck

Consective 0-2 3-5 6-11 12-23

24+ Months
paid premiums Months Months Months Months

At least 2
Products

22 E&OE
 And there is more!

01
Every month you stand a chance to Spin & Win your share
of R1 MILLION IN PRIZES including grocery, fast food,
entertainment, retail and travel vouchers as well as cash
prizes! The higher you go up the tiers, the more chances
you stand to win! Uzojabula with Spin & Win!

TIER 1 TIER 2 TIER 3 TIER 4 TIER 4

1 Spin 2 Spins 3 Spins 3 Spins 3 Spins
every month every month every month every month every month

Your December could be on US!

Get ready to
Over R40 million in premiums was paid out last year. Now you
could be next, simply DebiCheck and pay all your premiums
and if you qualify for Tier 3, 4 and 5, your December is on us! experience the
royal treatment!

02
Make sure you are covered, so that your next December is
a lot more rewarding.
This loyalty programme not only rewards
you, but it also encourages persistency and
DebiCheck in your teams, meaning you earn
more! Clientèle Royalty is a great benefit which
you can use when encouraging new IFAs to
join. With careful positioning it is a great tool
Your to help you grow your IFA Business.
December
is
on us! SCAN THIS
QR CODE
To find out more
about the benefits
of Royalty

Terms and conditions apply.

For more information about Clientele Royalty, visit
www.ifa.co.za

Clientele Royalty is a non-optional benefit brought

to you by CBC Rewards (Pty) Ltd.

E&OE 23
 Additional Information

2025 Bursary Scheme

All applicants must:
• Be the biological child or under the legal guardianship of an active
IFA who has paid the monthly Business Fee for 12 or more months
prior to 30 April 2024.
• Have a minimum aggregate of 60% in their final Grade 11 and/or
Grade 12 results.
• Be under the age of 21 at 30 April 2024.
• Be South African citizens.

SCAN THIS
QR CODE
To see how
to Apply!

Bursary Rules
• Only applicants eligible for first or second year tertiary studies in the relevant selection year may apply for a bursary.
• A bursary will not be awarded to an applicant already in possession of a bursary from another institution.
• Bursaries are only awarded for full-time undergraduate qualifications and do not cover postgraduate courses.
• Recipients are required to complete their studies in the minimum number of years prescribed by the relevant tertiary institution.
• No more than two subjects may be repeated the following year and all fees relating to repeat subjects will be for the
recipient’s own account.
• Should the recipient fail more than two subjects in any year, the bursary will be withdrawn.
• Changing your degree after signing your bursary contract without written permission from the Bursary Committee may lead
to the cancellation of the bursary.
• Costs of up to R60,000 per annum form the base amount of what will be covered by the bursary. Recipients will receive
funding for fees, books, equipment and accommodation. Should these cost exceed R60,000 the bursary committee may
approve an additional amount provided it relates to fees, books, equipment or accommodation. No Cash amounts will be
paid to a recipient.
• Should these costs be less than R60,000, the recipient will not be entitled to the difference.
• Funds are paid directly to the relevant institution and/or service provider upon presentation of an invoice. Invoices must
reach the Bursary Office by no later than 31 March 2025.
• Any accommodation deposits paid to a lessee by the company on behalf of the bursary recipient will be deducted from the
final year’s study allowance if not recovered and refunded to the company by the bursary recipient at the end of each year.
• Recipients must study at institutions accredited by the SA Department of Education, within SA borders.
• Only one bursary per family will be awarded.
• The parent or legal guardian is required to remain an active IFA for the duration of the recipient’s studies.
• Examination results at both mid-year and year-end must be sent to the Bursary Office immediately upon release by the
institution.
• Failure to do so may result in the withdrawal of the bursary.
• Should the recipient be absent from any examination during the year without prior written approval from the Bursary
Committee, the bursary will be withdrawn. Permission will only be granted under exceptional circumstances.
• The company reserves the right to withdraw the bursary should a recipient fail to adhere to any of the above rules.

24 E&OE
Earnings Tables Other Insurance
Products Earnings Tables
Life Product
Clientèle Legal plans (excl. VAT), H.E.L.P plans and IFA Direct
Life, Ultimate Dignity, Funeral Dignity, Ultimate Foundation (Life
Component), Foundation (Life Component) plans and Health Rewards rider Monthly Earnings are paid for the full duration
policies (pre 01 April 2017). of the contract and are not subject to year modes.

Level Percentage of paid premium

Percentage of paid premium
1st Year 2nd Year 3rd Year 1 3%
Level 2 6%
Mode Mode Mode
1 12% 2.4% 2.4% 3 6%
2 24% 4.8% 4.8% 4 2.5%
3 24% 4.8% 4.8% 5 1.5%
4 9% 1.8% 1.8% 6 1%
5 4.5% 0.9% 0.9%
6 2.25% 0.45% 0.45%
Clientèle Mobile
Note: No payment is made for year modes Monthly Earnings on data and airtime purchases for Clientèle
of 4 and greater. Mobile SIM cards in a downline are paid for the full duration
of the contract where an IFA is an Earner. You earn at the
following percentages per Level:
Savings Product
Saver and Protector Plan, Wealth Plan, Ultimate Foundation Level Percentage of recharge value
(Savings Component) and Foundation Plan (Savings 1 0.15%
Component): 2 0.30%
3 0.30%
Level Percentage of paid premium
4 0.14%
1 0.75% 5 0.08%
2 1.50% 6 0.03%
3 1.50%
4 0.70%
5 0.40% IFA Perks
6 0.15% Monthly Earnings are paid on IFA Perks fees excluding VAT
for the full duration of the contract.
For these products where DOC is 01 January 2009 or later
Earnings are paid for the duration of the contract and are not Level Percentage of paid premium
subject to year modes. The Earnings paid are calculated on 1 2.25%
the full premium and capped at no more than R200 for the 2 4.50%
Saver and Protector Plan and no more than R500 for the 3 4.50%
Wealth Plan. 4 2.10%
5 1.20%
For the Foundation Plan and the Ultimate Foundation Plan 6 0.45%
the total premium contains a life component (i.e. the Protector
Portion, which is calculated per the Life products Earnings table).
The savings component Earnings are calculated based on the
premium for this component only and capped at no more than Quartering Of Earnings
R500 for the Foundation Plan and the Ultimate Foundation Plan. Ensure that at least one IFA at every Level within one leg of
your downline qualifies for IFA Earnings. If this is not achieved,
For Saver and Protector products where the DOC is prior then you will only be paid 25% (one quarter) of IFA Earnings on
to 01 January 2009, the Earnings paid are subject to year business at the Levels below the last IFA Earner. In other words
modes and at the same percentage as outlined in the Life full Earnings will only be earned down to the Level where there
products Earnings table. exists an Earning Key Appointment (on that Level and above),
thereafter quartering will apply.

E&OE 25
Clubs
Monthly Club Payments and Criteria

Bonus Paid Key Min Earners

Clubs Club points *Club Year Mode Level
per Month Appointments to Level 3
CLUB 10 R180 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 R1,090 60 10 1 1st year 1-4
CLUB 100 R1,550 100 10 2 18 months or less All
CLUB 175 R2,010 175 10 4 2nd year or less All
CLUB 250 R2,510 250 10 4 2nd year or less All
CLUB 375 R2,990 375 12 4 2nd year or less All
CLUB 500 R3,560 500 15 5 3 year or less
rd
All
CLUB 750 R5,000 750 15 6 4th year or less All
CLUB 1,000 R6,330 1,000 20 7 5th year or less All
CLUB 1,375 R7,300 1,375 20 8 5th year or less All
CLUB 1,750 R8,730 1,750 20 8 5th year or less All
CLUB 2,000 R9,680 2,000 20 10 5th year or less All
CLUB 2,500 R11,500 2,500 20 10 5th year or less All
CLUB 3,000 R13,400 3,000 20 12 5th year or less All
CLUB 3,750 R15,700 3,750 20 15 All years All
CLUB 4,500 R18,010 4,500 20 17 All years All
CLUB 5,000 R20,530 5,000 20 20 All years All
CLUB 6,250 R25,460 6,250 22 22 All years All
CLUB 7,500 R32,060 7,500 25 25 All years All
CLUB 8,750 R38,230 8,750 27 27 All years All
CLUB 10,000 R44,790 10,000 30 30 All years All
CLUB 11,250 R52,890 11,250 32 32 All years All
CLUB 12,500 R62,670 12,500 35 35 All years All
CLUB 13,750 R71,560 13,750 38 38 All years All
CLUB 15,000 R74,520 15,000 40 40 All years All
CLUB 16,250 R80,020 16,250 43 43 All years All
CLUB 17,500 R86,370 17,500 45 45 All years All
CLUB 20,000 R94,790 20,000 50 50 All years All
CLUB 22,500 R102,310 22,500 55 55 All years All
CLUB 25,000 R109,790 25,000 60 60 All years All

*Club Year Mode

Club year modes are based on the age of the underlying product in months or years. The age of each product in the IFA’s
downline is measured at each earning period.

Different year modes apply to different Clubs and there are some Clubs (the later ones) where all year modes are taken into
account.

26 E&OE
Platinum Clubs
Payments and Criteria

Bonus per Club Paid Key Earning Key Min Earners

Platinum Clubs *Club Year Mode Level
Month points Appointments Appointments up to Level 3

Platinum Club 250 R2,650 250 10 8 24 2nd year or less All

Platinum Club 375 R3,125 375 12 8 24 2nd year or less All
Platinum Club 500 R3,775 500 15 9 27 3 year or less
rd
All
Platinum Club 750 R5,400 750 15 11 33 4 year or less
th
All
Platinum Club 1,000 R6,825 1,000 20 13 39 5th year or less All
Platinum Club 1,375 R8,025 1,375 20 14 42 5th year or less All
Platinum Club 1,750 R9,200 1,750 20 15 45 5 year or less
th
All
Platinum Club 2,000 R10,600 2,000 20 15 45 5 year or less
th
All
Platinum Club 2,500 R12,450 2,500 20 15 45 5th year or less All
Platinum Club 3,000 R14,550 3,000 20 15 45 5 year or less
th
All
Platinum Club 3,750 R16,850 3,750 20 15 45 All years All
Platinum Club 4,500 R19,275 4,500 20 15 45 All years All
Platinum Club 5,000 R23,000 5,000 20 15 45 All years All
Platinum Club 6,250 R28,100 6,250 22 17 51 All years All
Platinum Club 7,500 R35,150 7,500 25 19 57 All years All
Platinum Club 8,750 R41,675 8,750 27 19 57 All years All
Platinum Club 10,000 R48,850 10,000 30 20 60 All years All
Platinum Club 11,250 R57,775 11,250 32 21 63 All years All
Platinum Club 12,500 R67,125 12,500 35 23 69 All years All
Platinum Club 13,750 R73,050 13,750 38 25 75 All years All
Platinum Club 15,000 R77,275 15,000 40 26 78 All years All
Platinum Club 16,250 R83,200 16,250 43 29 87 All years All
Platinum Club 17,500 R90,575 17,500 45 30 90 All years All
Platinum Club 20,000 R98,550 20,000 50 38 100 All years All
Platinum Club 22,500 R106,050 22,500 55 45 110 All years All
Platinum Club 25,000 R115,280 25,000 60 53 120 All years All

Club point Allocation

PAYMENT TYPE Club points

Monthly payment without a DebiCheck mandate for business with a DOC before 1 March 2022 1
Monthly payment with a DebiCheck mandate 1.5
Monthly payment by Government Salary Deduction 1.5
Monthly payment by IFA Earnings Deduction 1.5

E&OE 27
Definitions
Term Definition
Means an IFA whose IFA Contract has not been cancelled or terminated and who pays his/her
Active IFA
monthly IFA Business Fee or IFA Perks fee.
Clientèle Means Clientèle Limited including all of its subsidiaries and associated entities.
DOC Date of commencement is used when referring to the start date of a product.
Downline Means each of an IFA’s Key Appointments and Appointments at each of the 6 Earning Levels.
Means an IFA who has introduced a minimum of 5 paying Key Appointments with a DebiCheck
Earner mandate. The IFA must have paid the IFA Business Fee and have an active DebiCheck mandate
in place in order to earn Earnings.
An IFA who is on an introducer’s first Level and has introduced 5 or more Key Appointments,
Earning Key who also paid the monthly Business Fee or IFA Perks fee. All Cash payments made by the
Appointment downline which could result in qualifying as an Earning Key Appointment will be excluded from
this calculation.
Earnings / Net Earnings Earnings received from various products, excluding Unmet Earnings and disputes.
IFA Contract This means the IFA Contract as contained in the Rules Manual.
This refers to the IFA Perks product offered by Clientèle Benefits Company (PTY) Limited and
IFA Perks
includes the IFA Business Fee, in the total monthly payment.
Means a person, or entity, that joined the IFA Business Opportunity, pays the monthly Business
IFA Only
Fee but does not have an active product with Clientèle.
Means the IFA that is responsible for introducing a person to the IFA Business Opportunity and
Introducer
to whom that person is a Key Appointment.
Key Appointments An introduction on an IFA’s Level 1 who pays a monthly Business Fee or IFA Perks fee.
An IFA Introducer who does not have a minimum of 5 paying Key Appointments and/or an
Non-Earner IFA who has not paid their monthly Business Fee and/or does not have an active DebiCheck
mandate in place.
A product that has not yet been activated due to a DebiCheck mandate not received for the
On Hold debit order. On Hold products remain in that state until a DebiCheck mandate is received or for
a period of 60 days, after which the On Hold application will expire.
Paying Key A Key Appointment on Level 1 who has a product for which a payment and Business Fee has
Appointment been received by Clientèle.
Means an IFA, whose IFA Contract is no longer active, who has been inactive for 6 months,
Re-introduction who has no earnings and no introductions for 6 months, and who wishes to reapply as an IFA
but under a different Introducer.
Suspended IFA
An IFA contract which has been breached and, as a result, is under investigation.
Agreement
Net Earnings plus Bonuses and Club payments. No other payments are considered in the
Total Earnings calculation of Total Earnings for awards or recognition purposes, i.e. loyalty bonuses and
Presenters’ and Forum allowances or special incentives.
Unmet Products for which payments have not been paid on the due date.
Should the monthly payments due not be paid, or where there are arrears (resubmissions or
Unmet Earnings
other), the relevant Earnings will not be paid and will be referred to as Unmet Earnings.
Upline The 6 IFAs directly above an IFA in their hierarchy.
Year Modes are based on the underlying age of the regular monthly payment in terms of
Year Mode
months or years.

28 E&OE
General Rules
1. These General Rules are supplementary to the IFA Contract and the Rules Manual. In the event of any contradiction between
these rules and any provisions of the IFA Contract, the provisions of the IFA Contract will apply.
2. These Rules (including all terms, conditions and/or qualifying criteria for any Earnings, awards, incentives, competitions or prizes)
may be updated, added to and/ or amended from time to time by Clientèle in its sole discretion.
3. An IFA will only qualify as an Earner once he/she has paid his/her monthly Business Fee and has introduced 5 or more Key
Appointments with a DebiCheck mandate to the IFA Business Opportunity.
4. In order to be paid Earnings, an IFA must have an active DebiCheck mandate in place on his/her own monthly payment.
5. Once an IFA has qualified as an Earner he/she will be eligible to earn Earnings in relation to each person that is introduced by him/
her to the IFA Business Opportunity and who is subsequently approved and appointed by Clientèle.
6. An IFA can receive Earnings for Levels 1 to 6 of his/her Downline in accordance with the standard Earnings per product, as
published on page 21 of this Rules Manual.
7. Quartering, as explained on page 21, may apply to IFA Earnings if an IFA’s Downline does not have at least one leg with an Earner
at each Level.
8. Subject to Rule 9 below, all Key Appointments will remain the appointments of the IFA who initially introduced them to the IFA
Business Opportunity, regardless of whether or not the original introducing IFA is active or not.
9. If an IFA wishes to apply as an IFA under a different Introducer, he/she will make a written application to Clientèle who will consider
such application by taking into account the following:
- The applicant IFA must not be an Earner under his/ her original IFA Contract for a period of 6 months prior to the date
of his/ her reapplication;
- The applicant IFA must not have paid a Business Fee for 6 months prior to the reapplication; and
- The applicant IFA must relinquish any and all rights he/she may be entitled to in terms of his/her original IFA Contract,
including any Earnings from Downlines whether active or not.
10. All applications submitted by an IFA, to Clientèle in terms of rule 9 above shall be subject to Clientèle’s sole discretion.
11. All bonuses are paid at the discretion of Clientèle as incentives for the continued support and growth of an IFA’s business.
12. Multiple IFA memberships from a single person is not allowed, unless approved by Clientèle in writing.
13. Any and all rights of an IFA in terms of these Rules are subject to the IFA being an active IFA at the date of the relevant right/s
applying and the IFA not being in breach of his/her IFA Contract or these Rules at that time.
14. Clientèle reserves the right to:
14.1. request from an IFA any form of information or documentation which may be necessary to assess an IFA’s eligibility to
receive any award, incentive, competition and/or prizes;
14.2. disqualify an IFA from eligibility to receive any award, incentive and/or prize if he/she:
14.2.1. has not ensured that their Downlines have seen the IFA presentation prior to having signed them up;
14.2.2. has breached the IFA Contract or any of these Rules;
15. Only natural persons will be eligible to receive awards, incentives and/or prizes.
16. Any products sold to an IFA by IFA Database or a Clientèle employee will be excluded from all recognition categories and
competition calculations except for “Club points” and “Total Earnings” in the Top Earner Award.
17. No awards, incentives and/or prizes are taxed at source and it remains the recipient IFA’s responsibility to declare and
account thereof to the South African Revenue Services.
18. Non-SA resident IFAs will only become eligible to earn Earnings and or qualify for any awards, incentives, competitions and/
or prizes once they have met and complied with all relevant criteria stipulated by Clientèle.
19. All payments made in cash (defined as a cash payment, a bank deposit, an electronic direct payment) shall be disregarded
by Clientèle when
(i) determining any Earning Key Appointments and/or Earners and Earnings,
(ii) calculating points for any awards, incentives, competitions and/or prizes, and
(iii) determining qualification for recognition including Forums and Presenters as well as in the calculation of any associated allowances.
20. Should Clientèle determine that any new product replaced a former product, this new product shall be excluded from
awards, incentives, competitions and/or prizes for a period of 12 months from the date of such replacement.
21. All award, incentive, competition and/ or prize winners consent to being photographed and interviewed as well as having
their names published on the IFA website, in the IFA newsletter as well as any other relevant IFA publication/s.
22. No IFA shall be entitled to partake in any recognition throughout the year or at the IFA Annual Awards, or be entitled to any
benefits arising from relevant IFA Awards, if they have any warnings issued during the year, or if their contract is not in good
standing, or if he/she is not an Active IFA at the date of the relevant event.
23. An IFA business acquired by means of a cession approved, in writing, by Clientèle, will only be eligible for and/or count
towards any awards, incentives, competitions and/ or prizes after a minimum of 12 months from the date of the cession,
and this business will only count from the start of the following new competition period.
24. An IFA’s physical address as recorded by Clientèle on the 20th of February of each year, or the date of his/her initial appointment
as an IFA, whichever is the earliest, will determine the province within which he/she falls for purposes of recognition for IFA
awards unless a change in address is made and approved by Clientèle management.
25. Clientèle’s decision/s in all matters pertaining to any aspect of any awards, incentives, competitions, Earnings and/or prizes
shall be final and binding.
E&OE 29
BONUS RULES
1. Clientèle Mobile purchases do not count towards any Bonuses.
2. Cash payments of monthly payments do not count towards any Bonus.
3. An Introducer who qualifies to earn for the first time from 20 March 2024 must have an active DebiCheck mandate in order
to earn any Bonuses, Clubs or Earnings.
4. The Introducer must pay his/her Business Fee in order to qualify for any Bonus payment.
5. Key Appointments must pay their Business Fee in order to contribute towards qualifying Introducer’s Bonus.
6. The last payment date of Bonuses may coincide with (or even be after) the announcement of new Bonuses.
7. IFA Database introductions and sales do not count towards Bonuses.
8. Replacement products/policies are excluded for bonus qualifications.
9. Where an IFA’s contract has been suspended, this introduction will not count towards Bonuses.
10. Should a Bonus be paid, and the monthly payment is then refunded or reversed (for whatever reason) after the payment
of such Bonus, the full Bonus payment applicable to that specific monthly payment will be recovered from the introducer’s
Earnings in the next month that Earnings are paid. If this refunded payment is part of a group of payments that qualify for
a Bonus the Bonus calculation will be revised and paid accordingly.

CLUB RULES
11. All new introductions must have a successful DebiCheck mandate to count towards Club points.
12. No Club points will be awarded on new introductions that do not have a DebiCheck mandate in place.
13. Clientèle Mobile purchases will not count towards Club points.
14. All cash payments are excluded in the calculation of a Club, which includes cash payments made by a Key Appointment
that would deem them paid as a qualifying Key Appointment/Earner in the paid Key Appointment/ Earner criteria.
15. An IFA’s Business Fee must be paid in order to qualify for a Club.
16. An Introducer who qualifies to earn for the first time from 20 March 2024 onwards must have an active DebiCheck
mandate in order to earn any Bonuses, Clubs or Earnings.
17. All qualifying Key Appointments’ and Earners’ Business Fees must be paid to count towards minimum criteria.
18. Club 10 is only for first time qualifiers. If an IFA moves up from Club 10 (i.e. to Club 15 and above) they cannot drop down to
Club 10 and receive a Club 10 payment. No existing Club 15 or above can drop down to Club 10 and receive a payment.
19. For Club 1,000 and above a one month grace period is given for a drop in Club status of 2 or more Clubs by adjusting
the Club payment to only one Level lower for that earning period. This is only allowed once during the competition period.
This excludes Platinum Club drops.
20. IFAs who have left the business and are subsequently reinstated forfeit Club qualification and payment until they increase
their Club status to a higher Club than the one theoretically obtained at the date of reinstatement except if specifically
allowed for as part of another bonus.
21. Paid IFA Database introductions count towards Club points on the same point scale as existing and new business point
allocation.

IFA’s MASIKHANYE COMPETITION RULES

1. The competition will be subject to internal audit and compliance checks.
2. Forum Members are not eligible to compete in the 1st Cut category.
3. Draw qualifiers must be at the 2025 IFA Annual Awards to qualify for the prize and must provide identification.
4. A pre-draw for IFA’s Masikhanye Competition will take place shortly before the 2025 IFA Annual Awards to determine the
finalists. The finalists will be notified and must be at the 2025 IFA Annual Awards to qualify for the prize (and must provide
identification on the day).
5. All new IFAs that count toward qualification must be introduced within the competition period.
6. All replacements will be excluded.
7. Cash payments and IFA Database payments are excluded from the competition.
8. In the case of a tie in position, the prize money for the relevant positions will be added together and distributed equally
amongst the relevant IFAs.
9. Clientèle’s decision is final and binding.

INCENTIVE CONFERENCE RULES

1. IFAs will not be eligible to attend the IFA Incentive Conference if they:
1.1. have had their IFA contract terminated or are in breach of their contract (even if this happens after qualifying).
1.2. are under the age of 18.
1.3. do not have a passport valid for at least six months AFTER travel date (i.e. valid until December 2025).
1.4. do not submit all of the necessary documentation by the specified date.
1.5. do not sign an indemnity form.
1.6. do not have proof of a required vaccination prior to travel, should this be required.
2. In the event of an error being made resulting in an IFA being advised that they will attend the IFA Incentive Conference
when they should not, Clientèle reserves the right to change the decision and not allow the IFA to attend the Incentive
Conference.

30 E&OE
3. It is the responsibility of the IFAs who are in the running for the IFA Incentive Conference to apply for passports and prepare
visa documentation (if necessary) timeously.
4. If the destination requires a visa, all visas are to be applied for timeously, in advance of travel.
5. An IFA may not transfer, sell or exchange for cash the right to attend the IFA Incentive Conference to anyone else.
6. Should an IFA qualify, and his/her spouse also qualify in his/her own right for the IFA Incentive Conference then the IFA will be
allowed to bring another IFA along as a partner, provided the nominated IFA is an existing active IFA in the qualifier’s downline
and has at least a Club 100 status. If the receiving IFA does not meet the criteria, a written motivation may be submitted to
IFA Management for consideration. The guest/partner accompanying the qualifying IFA must be confirmed one week after
the Annual Awards date. If the partner resides in a different Province, extra travel costs are at their own expense.
7. At the time of the IFA Incentive Conference and/or the 2025 Annual Awards, the qualifying IFA and his/her partner (if an
IFA) must still be contracted to Clientèle Life as active IFAs, with his/her contract in good standing, no warnings in the year
of award qualification.
8. If you have special requests you must address such requests to the IFA Division of Clientèle Life well before the departure
date. Whilst Clientèle Life will endeavour to accommodate such requests, the company cannot guarantee that all requests
will be accommodated.
9. Certain costs of the Incentive Conference will be covered by the company and some need to be covered by the attendees
personally. All costs related to breakaways from the standard package will be for the account of the individuals attending
the conference, e.g. additional airfares, extended visas, etc. All breakaway arrangements must be made by the qualifier
through the officially nominated travel agent at least 1 month in advance before travel.
10. Pregnant attendees who are in their third trimester (more than 6 months pregnant) at the time of the Incentive Conference
will not be allowed to travel and the qualifying IFA will be responsible for any cancellation fee where applicable. If the
traveler falls ill within a month of the travel date, a doctor’s letter stating permission to travel is required. Travel restrictions
imposed by the airline or chosen travel partner will be applicable.
11. Travelers with a criminal record may not be allowed to travel.
12. Attendees must at all times comply with all IFA requirements with regards to conduct and must not in any way constitute
a nuisance or danger to any other person including other people attending the IFA Incentive Conference.
13. Foreign Currency may be purchased once group tickets are booked and confirmed. Compliance with foreign exchange
regulation is the responsibility of each person attending the IFA Incentive Conference.
14. Any tax obligations as a result of the IFA Incentive Conference will be the sole responsibility of the IFA attending the
Incentive Conference.
15. Clientèle reserves the right to change, at any time, the selected venue or destination as well as the dates of travel originally
advertised. Once the air tickets have been issued, additional charges for any changes that are made by the attendee
thereafter will be for the account of the IFA attending the Incentive Conference.
16. IFA, a division of Clientèle Life will not be liable for cancellations due to external factors beyond our control. E.g. delays with
the issue of passport or visa documentation, pandemic, natural disaster or weather phenomenon, strike action or delays
related to embassies, airlines, etc. Should a qualifying IFA be unable to attend the Incentive Conference for any reason
whatsoever, no monetary payment in lieu thereof will be considered. Should the IFA who qualified to attend, cancel after
having accepted, cancellation costs as per the nominated travel agent’s cancellation schedule will be incurred and will be
for the account of the IFA.
17. The Incentive Conference is subject to government regulations and/or restrictions. In the event of these being in place,
the trip may be postponed or canceled.
18. Any IFA who is appointed as Forum Member for the first time will automatically qualify for the Incentive Conference in the
same year they are appointed.

The items below are included in the IFA Incentive Conference:

• Airfares as confirmed by Clientèle.
• Domestic travel will only be provided from the qualifiers province, which also applies to partners/spouses or where rights
are transferred in accordance with these rules. The differential of cost will be for the guest’s account.
• Return transfers to and from hotels as confirmed by Clientèle.
• Accommodation and land arrangements as confirmed by Clientèle.
• Selected meals and tours as specified in the itinerary
• Travel insurance.

The items below are excluded from the Incentive Conference and are for the attendee’s own account:
• Obtaining a valid passport / travel documentation.
• Insurance of personal items.
• Excess on medical insurance (which is compulsory) or medical expenses incurred while on the IFA Incentive Conference.
• Meals or drinks not specified in the itinerary.
• Room service, laundry, telephone, minibar or extra costs of any nature.
• Transport not specified in the itinerary.
• Spending money.

E&OE 31
 6. IFA REPRESENTATIONS AND WARRANTIES
IFA CONTRACT 6.1. The IFA warrants, undertakes and represents that he/she:
6.1.1. is either a South African citizen in possession of a valid South African identity document
1. INTERPRETATION AND PRELIMINARY or a non-South African citizen whom complies with Clientèle Life’s, then in force, rules
1.1. The headings of the clauses in this Agreement are for the purpose of convenience and reference relating to acceptance of “non-South African citizen IFAs” - both of whom must be 18
only and shall not be used in the interpretation of, nor modify, nor amplify the terms of this (eighteen) years of age or older; and
Agreement nor any clause hereof. 6.1.2. shall under no circumstances whatsoever give any financial or insurance related advice to
1.2. Unless a contrary intention clearly appears: any person in his/her capacity as an IFA.
1.2.1. words importing: 6.2. It is expressly recorded that Clientèle Life has appointed the IFA on the basis that the above
1.2.1.1. the masculine include the feminine and vice versa; and warranties are correct as at the Appointment Date and that same will continue to be true in all
1.2.1.2. the singular include the plural and vice versa. respects throughout the subsistence of this Agreement.
1.2.2. The following terms shall have the meanings assigned to them hereunder and similar 6.3. All warranties given by the IFA in terms of this Agreement are material and in the event of a breach
expressions shall have corresponding meanings, namely: of any warranty, Clientèle Life shall, in addition to any remedies provided in this Agreement, be
1.2.2.1. “Agreement” means this IFA Network Marketing Agreement and shall include the entitled to cancel this Agreement immediately and claim damages suffered from the IFA.
IFA Application Form and the IFA Rules Manual;
1.2.2.2. “Appointment Date” means the first date, post any relevant person having 7. STATUS OF THE IFA
submitted his/her IFA Application Form to Clientèle Life for consideration, upon 7.1. It is specifically recorded that the IFA is appointed as an independent contractor of Clientèle
which Clientèle Life confirms a person’s appointment as an IFA; Life and nothing herein will be construed as creating an employer-employee relationship, nor a
1.2.2.3. “Business Day” means a day that is not a Saturday, Sunday or a public holiday in partnership or joint venture between Clientèle and IFA.
South-Africa; 7.2. In addition to the above, it is recorded that the IFA shall have no authority to:
1.2.2.4. “Business Fee” means the monthly fee payable by an IFA, to Clientèle Life, for 7.2.1. render any form of financial advice and/or intermediary services on behalf of Clientèle Life
purposes of being and remaining part of the IFA Business Opportunity (which fee and/or Clientèle General;
may be adjusted from time to time by Clientèle Life in its sole discretion); 7.2.2. bind Clientèle in any manner or form whatsoever;
1.2.2.5. “Client” means any person who was initially introduced to Clientèle Life via the IFA 7.2.3. incur any debt or other liability on behalf of Clientèle.
Business Opportunity and subsequently subscribed for and/or purchased one or 7.2.4. obtain any credit facilities either in the name of, or on behalf of, Clientèle.
more Products; 7.2.5. make any representations on behalf of Clientèle, in any manner whatsoever; nor
1.2.2.6 “Clientèle” means, collectively, Clientèle Limited and all of its subsidiaries and 7.2.6. accept, alter, discharge, waive or terminate any Product on behalf of Clientèle.
associated entities.
1.2.2.7. “Clientèle General” means Clientèle General Insurance Limited; 8. TAXATION
1.2.2.8. “Clientèle Life” means Clientèle Life Assurance Company Limited; 8.1. The IFA agrees that he/she shall be solely responsible for any tax liability, levy, charge, withholding
1.2.2.9. “IFA” means an IFA network marketer duly appointed as such by Clientèle Life in or deduction of any kind which may arise as a result of, or pursuant to, this Agreement including,
terms of this Agreement; but not limited to, VAT and/or PAYE.
1.2.2.10. “IFA Application Form” means the electronic application form to be completed by 8.2. This Agreement will serve as an invoice for tax purposes and all earnings and/or fees payable by
a person desiring to become an IFA; Clientèle Life in terms hereof are inclusive of VAT.
1.2.2.11. “IFA App” means Clientèle Life’s: IFA mobile application;
1.2.2.12. “IFA Business Opportunity” means the network marketing business opportunity 9. CONFIDENTIALITY
offered by Clientèle Life; 9.1. For the purposes of this clause “Confidential Information” shall mean:
1.2.2.13. “IFA Rules Manual” means the rules manual regulating the overall IFA Business 9.1.1. any techniques, methods and processes, trade secrets, information technology, business
Opportunity, the manner in which the IFA Business Opportunity is to be conducted associates, Products, Clients (past, current or prospective) and all other private, sensitive
by IFAs as well as all other operational and/or promotional aspects related to the and confidential information of Clientèle, Clientèle Life and/or Clientèle General; as well as
IFA Business Opportunity, as amended and updated by Clientèle Life, in its sole 9.1.2. any information provided by a prospective IFA or Client or collected by an IFA in connection
discretion, from time to time (the in-force and most current version of which can with this Agreement (i) that identifies or can be used to identify, contact, or locate the
be found on the IFA Website and/or IFA App); person to whom such information pertains, or (ii) from which identification or contact
1.2.2.14. “IFA Website” means the website situated at: www.ifa.co.za; information of an individual person can be derived which shall include, but is not limited
1.2.2.15. “Products” means those Clientèle polices of insurance and/or commercial to, name, address, phone number, fax number, email address, identity number and credit
products which are made available from time to time for purposes of the IFA card or banking information.
Business Opportunity. 9.2. The IFA warrants that he/she:
1.3. Any reference to written notice or notification by Clientèle Life shall include short message services 9.2.1. will treat as strictly confidential and keep private all Confidential Information which he/she
(“SMS”) and publication or posting on the IFA Website and/or IFA App. may obtain pursuant to this Agreement or which he/she may become privy to as a result
1.4. Any act requiring the approval of Clientèle Life shall be subject to the sole and unfettered discretion of his/her appointment as an IFA;
of Clientèle Life. 9.2.2. will not disclose the Confidential Information to any person other than as may be approved
1.5. If any provision in a definition is a substantive provision conferring rights or imposing obligations in writing by Clientèle Life or as may be required by law;
on any party, notwithstanding that it is only in the definition clause, effect shall be given to it as if it 9.2.3. will take all necessary security precautions to safeguard the Confidential Information;
were a substantive provision in the body of the Agreement. 9.2.4. will not directly or indirectly use for his/her benefit or the benefit of any other person
1.6. Expressions defined in this Agreement shall bear the same meanings in schedules or annexures to any of the Confidential Information other than for the purposes contemplated under this
this Agreement which do not themselves contain their own conflicting definitions; Agreement; and
1.7. The expiration or termination of this Agreement shall not affect the provisions of this Agreement 9.2.5. will not use, copy, reproduce or modify any Confidential Information in any way except for
which expressly provide that they will operate after any such expiration or termination or which of the purposes of performing his/her obligations under this Agreement or on the specific
necessity must continue to have effect after such expiration or termination, notwithstanding that the written instructions of Clientèle Life.
clauses themselves do not expressly provide for this. 9.3. On expiration or termination of this Agreement, the IFA shall immediately cease making use of any
1.8. The rule of construction that a contract shall be interpreted against the party responsible for the and all Confidential Information and shall return the same to Clientèle Life upon request.
drafting or preparation of the contract, shall not apply. 9.4. The provisions of this clause shall survive termination and/or expiration of this Agreement.
1.9. The words “include”, “including” and “in particular” shall be construed as being by way of example
or emphasis only and shall not be construed as, nor shall they take effect as, limiting the generality 10 DATA PROTECTION
of any preceding word/s. 10.1. For purposes of this Agreement, “Personal Information” shall have the meaning as defined in the
Protection of Personal Information Act, 4 of 2013, as amended from time to time. The IFA hereby
2. APPOINTMENT AND DURATION warrants, represents and undertakes in favour of Clientèle Life that:
2.1. This Agreement regulates the relationship between Clientèle Life and the IFA and shall become 10.1.1. He/she shall, at all times, strictly comply with all applicable laws and with all the
effective upon the Appointment Date and shall subsist until expiration and/or termination in provisions and requirements of Clientèle Life’s Personal Information protection policies
accordance with the below terms and conditions. and procedures which may be in force from time to time, as notified by Clientèle Life to
2.2. The IFA is appointed to conduct the business of an IFA throughout South Africa. him/her in writing;
10.1.2. He/she shall not, at any time, process any Client’s Personal Information for any purpose
3. OBLIGATIONS OF THE IFA other than with the express prior written consent of the Client, and to the extent necessary
3.1. The IFA undertakes to: to comply with his/her obligations in terms of this Agreement; and
3.1.1. strictly comply with the terms of this Agreement as well as any related directions given in 10.1.3. He/she shall ensure that all systems and operations (e.g. laptops and/or computers), which
relation hereto, in whichever format (e.g. SMS, Website updates, IFA App notifications and/ he/she uses to comply with this Agreement, shall, at all times, be of a minimum standard
or emails), from time to time by Clientèle Life; required in terms of applicable law and be of a standard no less than the standards which
3.1.2. observe and comply with all applicable laws, rules, regulations, codes of conduct and are in compliance with the best industry practice for the protection, control and use of
service standards relating in any manner or form to the performance of his/her obligations Personal Information.
under this Agreement; 10.2. The IFA shall take appropriate and reasonable measures to prevent the loss of, damage to, or
3.1.3. familiarise himself/herself and remain up to date with the most current information unauthorised destruction of, a Client’s Personal Information and the unlawful access to, or
published on the IFA Website and IFA App including, but not limited to, the prevailing processing of, his/her Personal Information.
version of this Agreement as well as the IFA Rules Manual; 10.3. The IFA shall take reasonable steps to identify all reasonably foreseeable internal and external
3.1.4. not pay any Product premium, fee or charge on behalf of a Client; risks posed to Clients’ Personal Information, under his/her possession or control, and establish
3.1.5. not make any representations or statements on behalf of, or in the name of, Clientèle, and maintain appropriate safeguards against any risks identified. The IFA shall regularly verify
Clientèle Life or Clientèle General in relation to any Products or the IFA Business that the safeguards have been effectively implemented and keep a record of such verification. The
Opportunity, except to the extent expressly authorised in writing by Clientèle Life; safeguards shall be updated continuously in response to new risks or deficiencies in previously
3.1.6. adhere to all marketing guidelines as more fully detailed in clause 11; and implemented safeguards.
3.1.7. not institute proceedings against any third party in respect of any claim howsoever arising 10.4. The IFA shall immediately notify Clientèle Life:
as a result of his/her appointment as an IFA, or in connection with his/her activities as an 10.4.1. of any identified risks posed to Clients’ Personal Information;
IFA, without Clientèle Life’s prior written approval. 10.4.2. of the safeguards established by him/her to mitigate the impact of the identified risks; and
10.4.3. that the safeguards have been effectively implemented.
4. MONETARY PROVISIONS 10.5. The IFA shall notify Clientèle Life of any security compromises or suspected security compromises
4.1. The IFA shall monthly, on or before the last day of each month, pay the relevant Business Fee to of which he/she becomes aware or suspects, immediately on becoming so aware or forming such
Clientèle Life in order to remain an IFA. a suspicion.
4.2. Clientèle Life undertakes to pay to the IFA, monthly in arrears, on or before the 20th day of each 10.6. The IFA acknowledges and agrees that any breach of his/her obligations under this clause 10
month, all undisputed earnings, clubs and/or bonuses (if applicable) that may be due and payable shall be deemed a material breach of this Agreement and entitle Clientèle Life, without prejudice
to the IFA in terms of the IFA Rules Manual. to any of its other rights in law, to immediately terminate this Agreement. Moreover, should this
4.3. All IFA bonuses, earnings and/or fees owing to the IFA shall, prior to payment thereof, first be set-off Agreement be terminated by Clientèle Life in accordance with this clause10.6, the IFA shall forfeit
against any due and payable Business Fees and/or any Product premium, fee or charge, that may any and all of his/her rights to any past or future earnings, bonuses, fees or prizes.
be due and owing by the IFA to Clientèle.
4.4. Clientèle Life shall not be liable for any expenses, costs or disbursements of whatsoever nature 11. INTELLECTUAL PROPERTY RIGHTS AND MARKETING MATERIALS
incurred by the IFA in fulfilling his/her obligations under this Agreement. 11.1. All copyright, trademarks, trade names, logos, designs, devices, patents, know-how and other
4.5. All earnings and/or payments made by Clientèle Life to an IFA in terms of this Agreement shall be intellectual property rights in any document, drawings, data, marketing, Product or training
deemed to be inclusive of VAT. material supplied by Clientèle to the IFA in within the course and scope of this Agreement shall
remain vested in Clientèle.
5. PRODUCTS 11.2. The IFA shall not publish, sell or distribute any advertising, training or Product marketing material,
Clientèle Life may, in its sole discretion and without any prior notice thereof, vary, replace, add to or or conduct any marketing activities relating to or in connection with Clientèle or its Products, save
remove any Products. to the extent authorised by Clientèle Life in writing.
11.3. The IFA shall not use any Product marketing materials or documents for any purpose other than as to be without merit, or (ii) indefinitely withhold all unpaid earnings, clubs and/or bonuses which may
directed in terms of this Agreement. have become due to the IFA up to and including the date of Clientèle Life’s confirmation of breach of
11.4. The IFA shall refrain from sending, in whatsoever format, to any person any unsolicited IFA contract by the IFA.
Business Opportunity or Product related advertising material, unless the same was pre-approved
in writing by Clientèle Life. 16. CESSION AND ASSIGNMENT
11.5. It is expressly recorded that the IFA shall personally be responsible for all costs associated with any The IFA may not cede, delegate or assign any of his/her rights or obligations in terms of this
and all advertisements or other Product materials which he/she publishes and/or distributes in the Agreement without the prior written consent of Clientèle Life, which Clientèle Life may grant in its
course and scope of this Agreement. sole and unfettered discretion. Clientèle Life may freely cede, delegate or assign its rights and/or its
11.6. The IFA agrees that he/she shall not: obligation hereunder.
11.6.1. use the name “Clientèle”, “Independent Field Advertiser”, “IFA” or any other trademark,
trade name or logo of Clientèle otherwise than strictly in accordance with this Agreement; 17. ADDRESS FOR SERVICES
nor 17.1. The parties choose as their address for service for all purposes under this Agreement, whether in
11.6.2. form a company, firm or other entity incorporating as part of its name the word “Clientèle”, respect of court process, notices or other documents or communications of whatsoever nature, the
“IFA” or any derivates thereof. following addresses:
11.7. On expiration or termination of this Agreement, the IFA shall immediately cease making use of 17.1.1. CLIENTÈLE LIFE:
any and all of Clientèle’s intellectual property and shall immediately return to Clientèle Life all Reception, Building 7
documents, data, Product marketing and/or training material supplied to him/her in the course and Clientèle Office Park
scope of this Agreement. C/O Alon & Rivonia Roads
11.8. In addition to clause 11.7 above, the IFA undertakes to, upon termination and/or expiration of this Morningside
Agreement for any reason whatsoever, immediately return to Clientèle Life any and all materials Attention: Group Legal
(which have not yet been paid for in full by the IFA) provided and/or supplied to him/her under this 17.1.2. IFA:
Agreement including, but not limited to, gazebos, computers, vehicles, projectors etc. The physical address detailed in his/her relevant IFA Application Form
11.9 The provisions of this clause shall survive termination and/or expiration of this Agreement. 17.2. Any notice or communication required or permitted to be given by the IFA in terms of this
Agreement shall be valid and effective only if in writing, however Clientèle Life shall be competent
12. INDEMNITY to give notices or any other form of communication via SMS, email or publication on the IFA
The IFA indemnifies and agrees to defend and hold Clientèle, its affiliates, officers, directors, Website and/or IFA App.
employees, suppliers and consultants harmless against all claims, demands, fines, penalties, 17.3. Either party may by notice to the other party change the physical address chosen as his/her/its
actions, proceedings, judgments, damages, losses, costs, expenses or other liabilities caused or address for service to another physical address where postal delivery occurs in South-Africa or
arising out of or in connection with any claim directly or indirectly relating to a wrongful act or its postal address or its telefax number or email address, provided that the change shall become
omission by the IFA under this Agreement, or any other wrongful or negligent act or breach of any of effective on the 7th business day from the deemed receipt of the notice by the other party.
the IFA’s obligations under this Agreement. 17.4. Any notice to a party:
17.4.1. sent by prepaid registered post (by airmail if appropriate) in a correctly addressed
13. NON-SOLICITATION envelope to his/her/its chosen address for service shall be deemed to have been received
13.1. The IFA undertakes, for the duration of this Agreement as well as a period of 12 (twelve) months on the 7th Business Day after posting (unless the contrary is proved);
from the date of termination of this Agreement, , not to directly or indirectly procure, persuade, 17.4.2. delivered by hand to a responsible person during ordinary business hours at his/her/its
induce or encourage any: chosen address for service shall be deemed to have been received on the day of delivery;
13.1.1. employee of Clientèle to terminate their employment; 17.4.3. sent by telefax or sms to his/her/its chosen telefax or cellular telephone number shall be
13.1.2. other IFA to terminate his/her appointment as an IFA; deemed to have been received on the date of despatch (unless the contrary is proved); or
13.1.3. person to join another network marketing business opportunity; nor 17.4.4. published on the IFA Website shall be deemed to have been received on the 7th Business
13.1.4. person to breach, in any manner or form, this Agreement. Day after publication; sent by email to his/her/its chosen email address, shall be deemed
13.2. The IFA undertakes to never, directly or indirectly, persuade, induce or encourage any Client to to have been received on the date of despatch (unless the contrary is proved).
cancel or terminate a Product. 17.5. Notwithstanding anything to the contrary herein contained a written notice or communication
actually received by a party shall be an adequate written notice or communication to him/her/it
14. MOONLIGHTING notwithstanding that same was not sent to or delivered at his/her/its chosen address for service.
The IFA undertakes, for the duration of this Agreement, not to be involved, in any manner or form
whatsoever, in the provision of services or the sale of products which are in any way competing with 18. DISPUTE RESOLUTION
and/or similar to those offered in terms of the IFA Business Opportunity. 18.1. The procedures set out in this clause 17 must be complied with in respect of any and all disputes
or differences arising out of or in connection with this Agreement (“a Dispute”). Unless a party
15. TERMINATION AND BREACH has complied with the provisions of this clause 17, that party may not commence proceedings
15.1. Both Clientèle Life and the IFA are entitled to terminate this Agreement, for any reason whatsoever, relating to the Dispute except where that party seeks urgent relief, in which case that party need
upon 30 (thirty) days’ prior written notice thereof to other, subject thereto that Clientèle Life not comply with this clause 17 in seeking such relief.
reserves the right to, at any stage post termination of this Agreement, indefinitely suspend any 18.2. If any party alleges any Dispute, that party must issue a notice of the Dispute to the other and in
and all payments and/or earnings to the IFA in the event that he/she is found to have breached any each case the notice must set out in reasonable detail the basis of the Dispute (“Dispute Notice”).
of the provisions of clauses 15.2.2 to 15.2.10 below, at any stage, during the subsistence of this 18.3. After the issue and receipt of a Dispute Notice, the parties must procure that the parties meet and
Agreement. use reasonable endeavours to finally resolve the Dispute within 10 (ten) Business Days from the
15.2. Notwithstanding anything to the contrary contained herein, Clientèle Life shall be entitled, without date of such Dispute Notice.
prejudice to any rights that it may have, including the right to claim damages from the IFA, summarily 18.4. If the parties are unable to resolve the Dispute through the process detailed above then either party
to terminate this Agreement if the IFA: must refer the matter to arbitration.
15.2.1. breaches any of the provisions of this Agreement, other than a breach contemplated 18.5. The arbitration shall be held, with only the parties and their legal representatives present thereat,
in clauses 15.2.2 to 15.2.10, and, provided same is remediable, fails to remedy such at a place and venue nominated by Clientèle Life.
breach within 7 (seven) days of written notice requiring him/her to do so; 18.6. The arbitration shall, where possible, be held and concluded in 21 (twenty one) Business Days
15.2.2. breaches any provision of this Agreement in circumstances where he/she has on a after it has been demanded. The parties shall use their best endeavours to procure the expeditious
previous occasion committed a breach requiring notice contemplated in clause 15.2.1; completion of the arbitration.
15.2.3. in Clientèle Life’s sole opinion, has falsified any documents or records or committed any 18.7. The arbitrator shall be an impartial advocate or admitted attorney of not less than 10 (ten) years’
other act of dishonesty; standing appointed by Clientèle Life.
15.2.4. acts or omits to act in any way which, in Clientèle Life’s sole discretion, adversely affects 18.8. The parties shall keep the evidence in the arbitration proceedings and any order made by any
or is reasonably likely to adversely affect the goodwill or reputation of Clientèle or the IFA arbitrator confidential.
Business Opportunity; 18.9. The provisions of this clause are severable from the rest of this agreement and shall remain in
15.2.5. gives any financial, insurance or related advice which he/she is precluded from giving in effect even if this Agreement is terminated for any reason.
terms of this Agreement and/or any relevant law; 18.10. The arbitrator shall have the power to give default judgment if any party fails to make submissions
15.2.6. acts or omits to act in a manner which causes Clientèle to suffer loss or damage or on due date and/or fails to appear at the arbitration.
which is likely to cause loss or damage; 18.11. The decision of the arbitrator will be binding on the parties, without subsequent review and without
15.2.7. misrepresents the IFA Business Opportunity in any manner or form; the right to any appeal.
15.2.8. fails to pay his/her Business Fee, as per clause 4.1 above, on the due date thereof;
15.2.9. is involved, in any manner or form whatsoever, in the provision of services or the sale 19. LIMITATION OF LIABILITY
of products which are in any way competing with the IFA Business Opportunity (i.e. Notwithstanding anything to the contrary contained herein, Clientèle shall not be liable to the IFA
breaching clause 14); or for any loss, damage, injury, death or for any indirect or consequential loss of any kind howsoever
15.2.10. Introduces a person to the IFA Business Opportunity and subsequently signs such arising, including but not limited to any damages suffered as a result of a defect in any Product
person up as an IFA under the false pretence that such person was introduced to the marketing material or loss or injury arising as a result of any defect in equipment, venues or vehicles
IFA Business Opportunity by a different IFA, under a different downline, as opposed to supplied by Clientèle, or as a result of the IFA attending any IFA meeting, conference or forum, and
himself/herself. regardless of whether the same was caused by the negligence of Clientèle, its affiliates, officers,
15.3. Should this Agreement be terminated by Clientèle Life for any reason specified in clauses 15.2.1 directors, employees, suppliers or consultants.
to 15.2.10, the IFA shall forfeit any and all of his/her rights to any past or future earnings, bonuses,
fees or prizes. 20. MISCELLANEOUS
15.4. Notwithstanding any other provision to the contrary contained herein, in the event of the IFA 20.1. This Agreement constitutes the whole Agreement between the parties and supersedes any
breaching the provisions of clause 15.2 above, Clientèle Life reserves the right to, in its sole other discussions, prior agreements and/or understandings regarding the subject matter hereof,
discretion, either (i) terminate the IFA’s appointment immediately, or (ii) impose a monetary penalty including but not limited to any prior IFA Agreements.
on the IFA which it deems to be reasonable in the relevant circumstances. 20.2. Should any applicable legislation, regulations and/or rules of any statutory or regulatory body come
15.5. If this Agreement is terminated by Clientèle Life for no cause (i.e. in accordance with clause 15.1), into effect, or be amended, at any stage which adversely affects or materially alters, in Clientèle
then the IFA or the IFA’s estate as the case may be, shall be entitled to continue to receive from Life’s sole discretion, the terms of this Agreement then Clientèle Life may terminate this Agreement
Clientèle Life all earnings which he/she would have been entitled to in terms of this Agreement but immediately upon written notice thereof to the IFA.
specifically excluding: 20.3. This Agreement may be amended, added to, modified and/or altered by Clientèle Life, in its sole
15.5.1. all earnings, bonuses or other benefits earned as a result of an annual increase in any discretion and without prior notice thereof to the IFA, by way of updating the prevailing version
Product premium, fee or charge after the date of termination; and/or hereof on the IFA Website, IFA App and/or in the IFA Rules Manual.
15.5.2. any earnings, bonuses or other benefits resultant from Clients introduced to Clientèle and/ 20.4. No extension of time or waiver or relaxation of any of the provisions or terms of this Agreement
or the IFA Business Opportunity post termination of this Agreement. shall preclude such party thereafter from exercising its rights strictly in accordance with this
15.6. Payment of a Business Fee and/or product payment by any IFA post cancellation and/or termination Agreement.
of his/her Agreement shall not automatically renew such Agreement but will instead be treated as an 20.5. To the extent that Clientèle Life grants any indulgence in its sole and unfettered discretion, such
application by the relevant individual to be reappointed as an IFA, which application Clientèle Life may indulgence shall not be construed as creating a precedent nor shall it be binding upon other IFAs
accept or decline within its sole discretion. requesting the same or similar indulgences and shall not preclude Clientèle Life from refusing to
15.7. Notwithstanding any other clause to the contrary contained herein, Clientèle Life reserves the right grant same without the need to provide reasons therefore.
to withhold and/or suspend an IFA’s earnings, clubs and/or bonuses in the event that it reasonably 20.6. To the extent permissible by law no party shall be bound by any express or implied term,
believes that the IFA has breached the Agreement. Moreover, Clientèle Life reserves the right to representation, warranty, promise or the like not recorded herein, whether it induced the contract
withhold and/or suspend an IFA’s earnings, clubs and/or bonuses as aforesaid for a period of up to and/or whether it was negligent or not.
30 days from the date of it having first gained knowledge of the IFA’s alleged breach of contract and
shall, post finalisation of its investigation into the alleged breach of contract or expiration of the said
30 day period (whichever occurs first), either (i) release all due and payable earnings, clubs and/or
bonuses to the IFA, free of interest, in the event of the alleged breach of contract having been found
IFA Business Opportunity is a
division of Clientèle Life.

IFA is a division of Clientèle Life Assurance Company Limited. All terms and conditions are subject to the overriding provisions of the IFA Contract and nothing
contained herein shall be deemed to vary or amend any provisions of the IFA Contract.

Life Insurance policies are underwritten by Clientèle Life Assurance Company Limited, a licensed life insurer and an authorised Financial Services Provider, FSP
no. 15268. Premiums escalate by 10% and benefits escalate by 6% annually. Non-life insurance policies are underwritten and administered by Clientèle General
Insurance Limited, a licensed non-life insurer and an authorised Financial Services Provider, FSP no. 34655. Premiums and benefits escalate by 10% annually.

The IFA Perks programme and Clientèle Royalty (non-optional loyalty benefit) are provided by CBC Rewards (Pty) Limited. The non-insurance benefits are not
financial products or services and are not regulated by the FAIS Act. You are not afforded the same protections as per the FAIS Act.

Third parties are remunerated for their services to the brand. This document does not constitute financial advice. Terms and conditions apply. www.clientele.co.za
While we have taken every precaution to ensure the accuracy presented in this manual, IFA and Clientèle cannot be held liable for any misprints, typos or factual
inaccuracies. Clientèle reserves the right to make revisions to the manual at their own discretion should the need arise.