IZINDABA

Clientle Life is an authorised Financial Services Provider

February 2014

ongratulations IFAs for your outstanding contributions in 2013. The MEGA Mass Rally and its rewards are proof that hard work will always pay off. Now its time to VUKA and earn your space in the spotlight in 2014. VUKUZENZELE which means Get up and do it for yourself is the theme of our new competition, so IFAs its in your hands to work harder than ever before. We have just announced a number of exciting launches, new bonuses, products and opportunities which are sure to motivate you, and help you build a sustainable business, says Basil Reekie, Group Managing Director. Firstly the Khula Bonus was so popular that weve kept it and in fact weve made it even better! Its now called the VUKA Bonus. It works in a similar way to Khula, but you can earn more based on how hard you work! Secondly, we have upgraded the You Can Bonus to the Now You Can Bonus. IFAs get paid in Month 1, Month 2 and Month 3 for the rst two or more Key Appointments and can earn up to R350, as long as the new Key Appointments pay their premiums and business fee. This bonus is sure to motivate new people to join IFA. Who doesnt want a 13th cheque? This bonus went down so well that we will also be keeping it. IFAs have the chance to double their Club payment at the end of the year, and earn some extra spending money. The Earner Creator Bonus is also new and exciting! It encourages IFAs to work with their downline and

create IFA Earners. This bonus rewards IFAs who create new earners on Levels 1- 2. Following changes to legislation, Clientle has also increased the available cover on the Clientle Funeral Dignity Plan from R18, 000 to R30, 000! And to add to the success of this product weve added the EGB (the Earnings Guarantee Benet) which was previously not available on the Clientle Funeral Dignity Plan. So you can start signing up now! The EGB applies to existing funeral policies also. With IFA, now you can. We listened to feedback from the IFA Network and have also launched a completely new product, the Clientle Wealth Plan. With over 50% of adult South Africans struggling to save, we now offer a 20 year pure investment plan, which will help you save money for important life events and long term goals. While surrender value penalties apply during the rst 10 years, thereafter there is no penalty on early surrender. For all those IFAs who have always wanted to go on the Incentive Conference we have great news for you. For the next year only, any IFA who accumulates 50,000 or more points is guaranteed a place on the IFA Incentive Conference irrespective of how many

people have more points than them. Were hoping to take the largest group ever as we shoot the lights out this year in terms of production. The VUKUZENZELE competition is aimed at motivating IFAs to make their mark by going out and doing it for themselves. The competition period is from 20 February 2014 to 20 January 2015. The usual reward categories remain and the new competition incentives are there to ensure that we have more support in place to help you grow your business. Over R1 million in cash and prizes and three brand new Audis (A1, A3 and A4) will be shared amongst the top performers at the 2015 IFA Mass Rally. IFAs - VUKUZENZELE and have a good plan of where you want to take your IFA Business in 2014 and what you want to achieve. Im sure you would agree that for any plan to succeed it requires diligence and hard work. IFA has just the support you need, with another exciting competition, a new product, exciting bonuses and further opportunities for you to achieve more. IFAs, make your mark, make things happen and VUKA. The more business you conduct, the higher your chances of earning big. Remember the simple winning formula of IMF and encourage your downlines to succeed as teams and keep growing their networks by introducing quality people to IFA. All the best for 2104, says Basil. For more information on the new competition, refer to the 2014 IFA Rules Manual.
By Amanda Hlahleni

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IFA Izindaba August/September 2012

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academ

forms accommodation costs. Applications for 2015 are now open and are available at IFA Presentation venues and on the IFA website 2014. April 30 is www.ifa.co.za. The closing date for applications one of An IFA Bursary can change lives for the better. Here is Asezas story, nity the IFA Bursary recipients who has made a success out of the opportu orth, Butterw from Aseza Matolengwe, 21 years old, Eastern Cape, applied for an IFA Bursary in 2009. She started her degree in B Pharm in 2010 at Nelson Mandela Metropolitan University and successfully completed it in 2013 with the help of an IFA Bursary. The bursary covered her costs over her four years of study. She is currently as an intern at Cecilia Makiwane Hospital in East London.
By Antony Shabangu

p to ten bursaries each worth R60 000 per year are up for grabs in the 2015 academic year. Since 2009, IFA has invested over R6.5 million in education assisting students who achieve ic success. The bursaries take care of their fees, textbooks and

Approximately 70 top performing IFAs and their partners will be jetting off to the Incentive Conference in Dubai, a global city in the United Arab Emirates in May 2014. Heres some information about Dubai that you should know.

Get ready to Discover

le Lengau Dikga Gauteng

Amogelang Setlhatloso North West

Danica de Bru Western C in ape

SELECtION, TO QUALIFY FOR St BE: CANDIDAtES MU

hether an active IFA w 1. The child of ip. r legal guardiansh biological or unde e of 21. 2. under the ag an citizen. 3. A South Afric ate of um matric aggreg 4. Have a minim 60%.
ns apply. Terms and conditio ation. .za for more inform Refer to www.ifa.co

UBAI OULD VIsIT D WHY YOU SH ything has a desert and ever of e dl id m e th eme Dubai is in many islands, th e, including the ad m an m en be features. ies parks and water ently visited cit the most frequ of e on is i ba Du t 8 million mmodates abou co ac d an , ld or in the w visitors a year. ore than 70 paradise with m rs pe op sh a is The city shopping malls. Dubai with the world, is in in g in ild bu st The talle . a height of 828m 164 oors and

THE CULTURE Visitors to Dubai should dress modestly, particularly in public places. Swimwear is acceptable at the beach or around the swimm ing pool, but visitors should cover up at other ven ues. Dubai is a Muslim city. Religion plays a signicant role in the culture of Dubai. Mosques can be found throughout the city and at sun set the call to prayer can be heard across the roo ftops. Courtesy and hospitality are important virtues in the Arab world, and visitors will enjoy the friendliness and the warm welcome pro vided by locals. It is customary to accept food and drink with your right hand; this is also the han d you should eat with. Avoid showing the soles of your feet, or pointing your feet at anyone. Visitors should remember that, as Dubai is a Muslim city, a more modest code of behaviour is required. Being drunk and disorderly in public is unacceptable and may result in a ne.
By Antony Shabangu

Thasisela Mhlongo KwaZulu-Natal

LOCAL INFORMATION Local people, called Emiratis make up about 17% of the population, with the rest being foreigners. Population of Dubai is 2.1 million. Local language is Arabic.

Kyle Gilmore Eastern Cape

Local Currency is Arab Emirates Dirham (AED). Dubai time is 2 hours ahead of South African time.

ota Rabelani Neg Limpopo

Nhlakanipho Khanyi KwaZulu-Nat le al

Lets Grow Together

QUALIFICATION CRITERIA: CATEGORIES QUALIFICATION CRITERIA
Top 200 Point

BONUS CRITERIA
Forum Membership Length of service Club Status higher than Club 500

Secure your future with the

Clientle Wealth Plan

Introducing the Clientle Wealth Plan, a top class investment designed to help you save for your life events. For more information visit www.ifa.co.za
2 August/September 2012 IFA Izindaba February 2014

e more than an IFA, be a shareholder of Clientle. The payment date to qualify for Khula Nathi is 20 March 2015.
Top 50 Fast Starters

Points from Levels 1-3 Club 500 (3 out of 6 months) 10 earning Key Appointments Points from Levels 1-3 Club 100 (3 out of 6 months) 5 earning Key Appointments

Come on IFA earn your share! You still have a year to grow the points you earn for your Khula Nathi Shares. The invitation to be a potential shareholder of Clientle Limited is still open and you could be rewarded with your share of millions of rand. If youre in the top 200 point earners or one of the top 50 Fast Starters, then you may qualify to own part of the company you are working so hard for. Here are the qualication criteria: Refer to the IFA website for detailed terms and conditions. www.ifa.co.za
By Amanda Hlahleni IFA Izindaba August/September IFA Izindaba February 2012 2014 3

Vesting dates at which the Bonus Rights can be exercised: Up to 20% from 1 April 2015 Up to 50% from 1 April 2016 Up to 100% from1 April 2017 until 31 March 2019.

Hardwork ing IFAs

Congrats to the po wer couples!

Management enjoying the Gauteng Rally

ith ing w Gleam

! goes wild The crowd

glory

PROViNCiaL RaLLiEs
Over 6000 IFAs attended the Provincial Rallies nation wide. These dedicated IFAs received recognition for their hard work throughout the year.
Winning handsh ake

pays off Hardwork

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e stag

Club earne rs be am fr om e ar

to ea r

dies Dancing Forum bud

Fun w as

Men o f the m omen t

the ord er of th e day!

Certicate winne rs

Dedicated IFA dis tributors

rrior! KZNs own Zulu wa

Round of ap plause

IFA Buzz registration kicks off in North West

ound usic all ar Fun and m

Making M pumalan ga proud !

sary winner Congrats to our bur

oves rn Cape m f his Easte of g in w Sho

Giving w ords

Repre sentin g the M other City

of enco uragem ent

High ve!

A lucky draw was conducted at each of the IFA Provincial Rallies for all Megabucks qualiers. The lucky IFA walked away with R5,000 in cash.

Gauten g Winn er - Ea glet Mo gale

4 IFA Izindaba February 2014

Mpumalanga Winner - Ntshengedzeni Mukoma

lebele Limpopo Winner - Onica Sebe

KwaZulu-Natal Winner - Tham i Sithole

North Wes t Winner Matlakala Boikanyo

Brukwe Western Cape Winner - Nolundi

Free State Winner - Adele van Wyk

Eastern Cape

Winner - Yatisw a Matiw ane

5

IFA Izindaba February 2014

IFA oN WHEEls
Owning a ashy set of wheels is no longer just a dream but a reality for these hardworking IFAs. Find out how they started from humble beginnings. By Amanda Hlahleni

NTO

I F S E L H n E B M

s s e c c u S

Oppa Litsoane
Western Cape

L A I C n nA
rk does pay off Proof that hard wo

have been part of IFA for 14 years and have been a full-time IFA for nine years. This has proven to be the best choice I have ever made for the benet of my family. My inspiration comes from my responsibility towards my family rst and secondly from seeing other people succeed due to my inuence and knowing that I invited, trained and supported them in their IFA journey.

IFA is part of me and my plan is to become a Chairmans Forum member in the next two to three years because I know what I am capable of. IFA has changed my life. I am now the proud owner of a 2014 Black, Jeep Grand Cherokee. Making it my fourth car. I love powerful cars. Set realistic goals and work with your team. Your success is joined to the success of people you helped and supported, says Oppa.

Sisonke Mampofu
Eastern Cape

I
espite a string of qualications and a secure and stable career as a Government employee, Ntombenhle Myeni (43) from Ulundi found that she was battling to make ends meet. It seemed like she was destined for a life of nancial struggles until IFA changed her destiny. Ntombenhle tells IZINDABA her story. I met IFA Champion Delani Maishi on 23 March 2012 by chance at Nandos, Ulundi. He was due to do an IFA Presentation and asked if I would like to attend. Although sceptical at rst, I knew I had nothing to lose. My husband passed away 15 years ago, leaving me to singlehandedly raise our three children. Later I adopted my late sisters daughter after she passed away. After deductions I was left with about R500 despite 13 years in the teaching profession while Delani was earning more than double my salary, she says. Ntombenhle joined the IFA Business Opportunity the very same day. She made it her routine to invite people from her community to attend IFA Presentations after knocking off from work. Ntombenhle recalls what it was like when she received her rst earnings
6 IFA Izindaba February 2014

of R1150 on 20 May 2012. It felt great. Given my nancial pressures, the money was a huge blessing, she says. By June 2012 she was already on Club 100 and showed no signs of slowing down. Delani had unwittingly discovered a prodigy. Ntombenhle offered me far more than I was ever expecting. Every Friday I would drive about 240km to Ulundi to meet with Ntombenhle and was impressed with the growth of her downline. From the beginning her enthusiasm as an IFA was exceptional, he says. A years worth of hard work resulted in her winning the National Fast Starter at the 2013 IFA Mass Rally. When my name was called out I could barely even smile. I could not believe that this was happening to me. Then to my complete shock, my name was called again in the Gijima 600 draw as the winner of a brand new BMW 1 Series. Ill never forget starting the engine for the rst time. This year Ntombenhle is well-poised for the 2014 IFA MEGA Mass Rally glory. She is currently on Club 1375 and is KZNs top Mover and Shaker. She is also the proud owner of two houses and three

cars, including a Toyota Hilux Double Cab which she bought with her IFA earnings. Ive discovered that I have the condence and ability to be successful. The people skills that I developed over many years as an educator are now being used to build a very successful team, she says. What really separates her from many IFAs is that she is building a legacy of empowerment for herself and her entire family. She is extremely proud that her eldest daughter is on Club 375 and her son when he graduates from Mangosuthu Technikon will join the IFA Business Opportunity. Ntombenhle offers single mothers throughout South Africa hope that through courage and determination they can take ownership of their future. With IFA NOW YOU CAN!
By Christopher Bompas

joined IFA in November 2001. When I rst joined I was not serious about the opportunity. My brother took me to an IFA Presentation and I decided to give it a try. At the time I was working for Stats SA and I invited those people I was counting to attend presentations. My rst IFA earnings were R48,00 then in the following month it grew to R800,00. I was really convinced this business works.

I bought a Volkswagen combi TDI 9 seater in August 2013 as in the next 5 -10 years I can see myself as one of the top 5 earners and a member of the Legends or Chairmans Forum. I encourage those who havent joined the business to give it a try. If you have a dream and are self-driven then this is your chance to make your dreams come true, says Sisonke.

With IFA now you can

Joseph Antonie
Western Cape

was fortunate to join IFA. My life changed for the better. Thanks to IFA we have extra income in our household every month. We were able to buy a brand new house, paid-off our 2003 318i BMW and were able to buy a brand new Renault Sandero 1.6 Dynamic during the month of November 2013, says Joseph.

grew up on a farm with my parents and nine siblings. It was a tough childhood in terms of money and opportunities. A few years later I started working at a health and beauty focused retail and supply group and became a Branch Manager. Due to personal issues I decided to resign in 2008, but

Proud of his newest buy

Letang Ramushu
Gauteng
have never had a formal job, I cant read or write but I have always managed to make ends meet. I earned an honest living by selling vetkoeks at a taxi rank in Richards Bay. My life changed in 2012, when Jakes Phatlane introduced me to IFA. I didnt think I could do this business because I only have grade 2 with no formal work experience, but I joined because I needed to earn more money and my life has changed.

In just two short years, I am a rising star in the IFA Network. I got my drivers licence at the end of last year at the age of 54. I bought my rst car, a brand new black Toyota Corolla in January 2014. IFA ke senatla - IFA is powerful! I can do anything, says Letang.
The sky is the limit for Letang

IFA Izindaba February 2014

Clientle Leads The Campaign Against Loan Fraudsters

n the October 2013 edition of Izindaba (page 7), IFAs were warned about the illegal loans scam making its rounds in the South African nancial services market.

mainstream media such as Metro FM, Daily Sun, Websites, The Star, Herald, The Citizen, Pretoria News, Mercury and Cape Times. Through this campaign, we warned our clients and the South African public that they will should never deposit money upfront into any bank account in order to receive a loan. Our initiation fees always form part of the rst deduction in the agreed repayment amount, says Dr Gary Simpson, Group Executive: Compliance and Risk at Clientle. If you suspect that you may be a victim of fraud, send an email to fraudalert@clientele.co.za. If you need more information about the loans scam, go to www.clientele.co.za.
By Elliot Ngubeni

Through access to databases of names and contact details, the fraudsters entice unsuspecting consumers into applying for loans and then request them to pay a deposit or initiation fee into a bank account. This is when the fraud and theft of money takes place. As a responsible corporate citizen, Clientle Loans proactively warned consumers about an upsurge in loan scams through an above the line print, radio, online and Public Relations campaign. To get the message across, the campaign appeared in various

New Club
January 2014
Club 15
Jerome Abrahams Thandekile Qwabe Sombu Ndlovu Londiwe Mthembu Phineas Ntshangase Wonderboy Hlophe Gcobisa Sodzeme Nkosivumile Sanxa Lungisani Nxumalo Mampotsang Masemola Tintswalo Mashaba Andinos Sekgobela Sakhile Buthelezi Ignatia Dlamini Michael Mkhize Nomfundo Masuku Nomthandazo Canda Nozuko Matikinga Tsholofelo Legodu Penuel Buthelezi Sinenhlanhla Khoza Simbarashe Njenge Nimrod Moloto Thokozani Dube Phumzile Zuma Angeline Nortier Pako Moncho Ramolefane Phala Herbet Msomi Justice Nkaule Duduzile Sibetha Andrew Maluleka Simnikiwe Mapunsu Thenjiwe Gcabashe WESTERN CAPE KWAZULU-NATAL MPUMALANGA KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL EASTERN CAPE GAUTENG KWAZULU-NATAL MPUMALANGA LIMPOPO GAUTENG GAUTENG KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL EASTERN CAPE WESTERN CAPE NORTH WEST KWAZULU-NATAL GAUTENG GAUTENG GAUTENG GAUTENG EASTERN CAPE WESTERN CAPE NORTH WEST GAUTENG KWAZULU-NATAL WESTERN CAPE KWAZULU-NATAL GAUTENG KWAZULU-NATAL KWAZULU-NATAL

Qualiers
Saphira Nkhuna Samuel Mokoena Siphiwe Hlophe Nomusa Dlamini Innocentia Nkosi Vincent Mhlongo Bulelani Khulu Aubrey Msane Nokuphiwo Dike Mziwandile Mngweba Sonwabo Nkumanda Kgutliso Lepaila Nokuthula Magagula Mokheni Nxumalo Elvis Mnguni Nonhlanhla Nzuza Zethu Maphumulo Nomathemba Siziba Nozipho Ngcobo Siphiwo Rephu Mduduzi Mathenjwa GAUTENG FREE STATE KWAZULU-NATAL KWAZULU-NATAL MPUMALANGA KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL EASTERN CAPE EASTERN CAPE FREE STATE GAUTENG KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL GAUTENG KWAZULU-NATAL Phumlani Nyawo Themba Nzama Matsa Jeme Busiswa Sibali Stephina Mzimba Sibusiso Khumalo Lungani Makhathini Siphiwe Mgabhi Lucy Ramafalo Mpumelelo Cele Pule Mtolo Thanduxolo Bell Stanley Mabale Bongani Mothapo Prudence Nopakela KWAZULU-NATAL KWAZULU-NATAL GAUTENG GAUTENG GAUTENG GAUTENG KWAZULU-NATAL KWAZULU-NATAL GAUTENG KWAZULU-NATAL GAUTENG EASTERN CAPE FREE STATE FREE STATE EASTERN CAPE Tshitshi Bombo Makhosazane Khambule David Niemand Thabani Mbhele Xolani Dlungwane KWAZULU-NATAL KWAZULU-NATAL WESTERN CAPE KWAZULU-NATAL KWAZULU-NATAL

Club 175

Sanelisiwe Makhanya Lunga Sokupha Elias Ramashoai Mj Nkadimeng Eric Masondo Sinethemba Hatana

KWAZULU-NATAL EASTERN CAPE GAUTENG GAUTENG GAUTENG WESTERN CAPE

Club 60

Club 250
KWAZULU-NATAL GAUTENG LIMPOPO KWAZULU-NATAL KWAZULU-NATAL GAUTENG NORTH WEST EASTERN CAPE KWAZULU-NATAL

Club 30

Nontsikelelo Fana Brian Nelani Mqondisi Nxumalo Outlwile Polelo Maria Hoffman Buzwe Samhata Bongiwe Ncala Nobesutu Dinwa Zenneth Ngqulunga Ziyanda Mangwana Nomntu Mpambani Wandisile Ntaka

FREE STATE GAUTENG KWAZULU-NATAL NORTH WEST WESTERN CAPE EASTERN CAPE GAUTENG GAUTENG KWAZULU-NATAL WESTERN CAPE FREE STATE EASTERN CAPE

Thulile Ndlovu Keneth Mthethwa Kgahliso Kekana Mlungisi Mthimkhulu Zinhle Thabede Molamo Nkadimeng Kesentseng Selwe Siviwe Cambalele Khanyisani Mdlalose

Zolelwa Mbana Freedom Gumede Cyprian Danisa Wellington Mhlongo

EASTERN CAPE KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL

Club 375

Sibulele Mtshemla Gcobani Mgibantaka

EASTERN CAPE GAUTENG

Club 100

Club 1750
WESTERN CAPE NORTHERN CAPE KWAZULU-NATAL

Tomane Phatlane

GAUTENG

Frans Smit Keromilemang Mogatle Patrick Hlatshwayo

IFA Izindaba September 2013