We are NOT building another Vitality or Multiply! NO monthly fees / NO point system / NO levels Creating value across the middle to upper black market FREE discounts on basic daily living expenses Multi-insurer platform offering best of breed product tailor-made to Bonitas Deliver value that will significantly address member retention as well as driving Loyalty over time

OUR TARGET MARKET BONITAS PRODUCT RANGE

WHEN PLUGGED INTO OTHER BRANDS THE TAKE UP IS MINIMAL TRADITIONAL LOYALTY PROGRAMME COMPLIMENTARY VALUE ADDED PRODUCTS WHEN PLUGGED INTO OTHER BRANDS THE TAKE UP IS MINIMAL PART OF ONE INSURER NOT LINKED A SPECIFIC INSURER UNIQUE MEDICAL FUND MODEL EXPENSIVE TO BUILD AND MAINTAIN IP SITS WITH PRODUCT HOUSES vs COMPLEX SIMPLE REGISTERED PRODUCT / BRAND FEWER BARRIERS TO ENTRY VOLUME DRIVEN TO BE SUSTAINABLE SUSTAINABLE MONTHLY SUBSCRIPTION NO MONTHLY SUBSCRIPTION FEES SINGLE SERVICE PROVIDER MULTIPLE SERVICE PROVIDERS TAKES YEARS TO BUILD QUICK TO MARKET LOSS LEADER AGILE – NOT LIMITED TO A SINGLE PROVIDER

1 2 9 3 8 7 4 6 5 VALUE ADDED PRODUCT MODEL LENDING SOLUTION GAP COVER TO SELECTION CRITERIA DISCOUNT VOUCHER PLATFORM 1 COMPETITIVENESS IS IT RELEVANT? 2 FUNERAL / INSURANCE LIFESTYLE RISK MANAGEMENT IS IT SIMPLE & EASY TO UNDERSTAND? 9 PARTICIPATE IN OUR MEMBER LIVES BY MAKING A DIFFRENCE DO MEMBERS NEED IT? DOES IT ADD VALUE / SAVE MONEY? 3 LENDING SOLUTION 8 BUILD LOYALTY AND TRUST WOULD BONITAS LOOK LIKE A HERO? WOULD A BETTER BRAND EXPERIENCE BE CREATED? POSITION BONITAS FOR GROWTH 7 4 GAP COVER KEEPING OUR BIGGEST ASSET – OUR MEMBER COMPANY TRACK RECORD? 6 5 (On leaving Bonitas, VAP policies / memberships will continue however members will lose the additional benefits Bonitas members enjoy) ELECTRONICLINE FREE DISCOUNT VOUCHER PLATFORM FUNERAL / INSURANCE SANLAM / INDIE SANLAM / RCS LENDING SOLUTION GUARDRISK GAP COVER

800 000 active members end to end e-vouchering solution Operating since 2007 Over 100 000 transactions per day 30 major retailers 6 000 POS 800 000 active members COPYRIGHT ELECTRONICLINE™ 2018

Choosing a category and voucher end to end e-vouchering solution choosing a category and a voucher 1 Go to Bonitas.co.za / bon.toget.me register, login and browse available vouchers 2 Select your category 3 Click on the available voucher you would like to redeem Choosing a category and voucher COPYRIGHT ELECTRONICLINE™ 2018

registration and voucher redemption journey end to end e-vouchering solution registration and voucher redemption journey 4B 4A Select the category/voucher you would like to get Select your airtime voucher registration and voucher redemption journey 3A COPYRIGHT ELECTRONICLINE™ 2018

ANY VOUCHER CAN BE GIFTED VIA THE MOBILE PHONE TO ANY THIRD PARTY end to end e-vouchering solution how to use your voucher in-store ANY VOUCHER CAN BE GIFTED VIA THE MOBILE PHONE TO ANY THIRD PARTY 1 Go to the store where you can use your voucher 4 Present your voucher to the cashier who will redeem the voucher against your basket value API call against voucher. If successful, voucher will be marked as redeemed (only if it is a ELS voucher) voucher redemption at the till in-store 5 Get your receipt 2 Do your shopping 3 Go to the till and ring up your basket COPYRIGHT ELECTRONICLINE™ 2018

He pays R450pm for his insurance Indie Invests Into his Investment PM R45 Indie Invests Extra because he is a Bonitas Member PM Indie Invests R495pm into his Bounty Investment Karabo, 30 Years Old

What could his Bounty be worth? This example is based on avg. assumptions and no cash-drop taken Bounty Age R0 30 R113 000 40 R465 000 50 R1,4 Mil 60 R4 Mil 70 What are the cash-drop values available This example is based on avg. assumptions and the full cash-drop amount is taken every 5 years. Cash-drop Age R0 30 R3923 35 R10 570 40 R21 703 45 R39 676 50 R67 125 55 R109 698 60 R171 810 65 R2.6 Mil 70

Guardrisk is the largest gap cover provider in South Africa Guardrisk’s products cover over 130 000 families and 400 000 lives

Guardrisk Offering to Bonitas Discounted Premium for Bonitas members Tailor-made benefits to compliment Bonitas product offering Opportunity to white label Seamless claims process

Loans FOCUS ON RESPONSIBLE LENDING Established in 1999 Leading South African non-banking financial services provider

Product Negotiations currently underway with Liberty to supply Bonitas with complimentary product solutions to accommodate the Liberty distribution channel.

IMPROVE MEMBER EXPERIENCE BRAND RECOGNITION MEMBER TRUST AND BRAND CONFIDENCE MANAGED CARE IMPROVE MEMBER EXPERIENCE ADMINISTRATION BENEFITS & COVER INDUSTRY PRICE COMPETIVENESS AND BEST OF BREED PRODUCTS RETENTION THROUGH REWARDING CHANGE IN BEHAVIOUR BY OFFERING VALUE ADDED PRODUCT AND SERVICES D SALES DIRECT DIGITAL RISK MANAGEMENT CHANGING MEMBER BEHAVIOUR TO MANAGE HEALTH RISK