Izindaba Janfeb 2014 684b2d

February 2014

IZINDABA Clientèle Life is an authorised Financial Services Provider

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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 it’s time to VUKA and earn your space in the spotlight in 2014. “VUK’UZENZELE which means ‘Get up and do it for yourself’ is the theme of our new competition, so IFAs it’s 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 we’ve kept it and in fact we’ve made it even better! It’s 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 first two or more Key Appointments and can earn up to R350, as long as the new Key Appointments pay their s and business fee. This bonus is sure to motivate new people to IFA.

create IFA Earners. This bonus rewards IFAs who create new earners on Levels 1- 2. Following changes to legislation, Clientèle has also increased the available cover on the Clientèle Funeral Dignity Plan from R18, 000 to R30, 000! And to add to the success of this product we’ve added the EGB (the Earnings Guarantee Benefit) which was previously not available on the Clientèle Funeral Dignity Plan. So you can start g up now! The EGB applies to existing funeral policies also. With IFA, now you can. We listened to from the IFA Network and have also launched a completely new product, the Clientèle 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 first 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

Who doesn’t 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

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The usual reward categories remain and the new competition incentives are there to ensure that we have more 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 - VUK’UZENZELE and have a good plan of where you want to take your IFA Business in 2014 and what you want to achieve. I’m sure you would agree that for any plan to succeed it requires diligence and hard work. IFA has just the 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. 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.

By Amanda Hlahleni

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The VUK’UZENZELE 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.

For more information on the new competition, refer to the 2014 IFA Rules Manual.

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people have more points than them. We’re hoping to take the largest group ever as we shoot the lights out this year in of production.

IFA Izindaba • August/September 2012

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Get ready to Discover

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. Here’s some information about Dubai that you should know.

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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

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 Aseza’s 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

le Lengau Dikga Gauteng

Amogelang Setlhatloso North West

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 floors and

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.

Danica de Bru Western C in ape

By Antony Shabangu

selection, To qualify for st be: candidates mu

Thasisela Mhlongo KwaZulu-Natal

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%.

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

ns apply. and conditio ation. .za for more inform Refer to www.ifa.co

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

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 significant 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 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 fine. By Antony Shabangu

ota Rabelani Neg Limpopo

Let’s Grow Together

Nhlakanipho Khanyi KwaZulu-Nat le al

Qualification criteria: CATEGORIES QUALIFICATION CRITERIA

Secure your future with the

Clientèle Wealth Plan Introducing the Clientèle Wealth Plan, a top class investment designed to help you save for your life events. For more information visit www.ifa.co.za

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August/September 2012 IFA Izindaba • February 2014

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Top 200 Point

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

Top 50 Fast Starters

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

e more than an IFA, be a shareholder of Clientèle. The payment date to qualify for Khula Nathi is 20 March 2015.

BONUS CRITERIA • Forum hip • Length of service • Club Status higher than Club 500

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

Vesting dates at which the Bonus Rights can be exercised:

potential shareholder of Clientèle Limited is still open and you could

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Up to 20% from 1 April 2015

be rewarded with your share of millions of rand.

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Up to 50% from 1 April 2016

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Up to 100% from1 April 2017 until 31 March 2019.

If you’re 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

Refer to the IFA website for detailed and conditions. www.ifa.co.za

working so hard for. Here are the qualification criteria:

By Amanda Hlahleni IFA Izindaba August/September IFA •Izindaba • February 2012 2014

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Hardwork ing IFAs Congrats to the po wer couples!

Management enjoying the Gauteng Rally

ith ing w Gleam

pays off Hardwork

Provincial Rallies

glory

! goes wild The crowd

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

n to ry ru Victo

e stag

Club earne rs be am fr om e ar

to ea r

Winning handsh ake

dies Dancing Forum bud

Fun w as

Men o f the m omen t

Dedicated IFA dis tributors

Round of ap plause

rrior! KZN’s own Zulu wa

Making M pumalan ga proud !

ound usic all ar Fun and m

sary winner Congrats to our bur

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

the ord er of th e day!

Certificate winne rs

IFA Buzz registration kicks off in North West

Giving w ords

Repre sentin g the M other City of enco uragem ent

High five!

A lucky draw was conducted at each of the IFA Provincial Rallies for all Megabucks qualifiers. 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

IFA Izindaba • February 2014

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IFA on wheels Owning a flashy 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

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Oppa Litsoane Western Cape

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i f S ’ e l h n e b m

Nto

rk does pay off Proof that hard wo

Sisonke Mampofu Eastern Cape

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espite a string of qualifications 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 financial 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 first, I knew I had nothing to lose. My husband ed away 15 years ago, leaving me to singlehandedly raise our three children. Later I adopted my late sister’s daughter after she ed 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 ed 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 first earnings 6

IFA Izindaba • February 2014

of R1150 on 20 May 2012. “It felt great. Given my financial 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 year’s 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. I’ll never forget starting the engine for the first time.” This year Ntombenhle is well-poised for the 2014 IFA MEGA Mass Rally glory. She is currently on Club 1375 and is KZN’s 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. “I’ve discovered that I have the confidence 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.

ed IFA in November 2001. When I first ed 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 first IFA earnings were R48,00 then in the following month it grew to R800,00. I was really convinced this business works.

By Christopher Bompas

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 ed to the success of people you helped and ed,” says Oppa.”

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 Chairman’s Forum. I encourage those who haven’t ed 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

was fortunate to IFA. My life changed for the better.

Western Cape

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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 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!

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 benefit of my family. My inspiration comes from my responsibility towards my family first and secondly from seeing other people succeed due to my influence and knowing that I invited, trained and ed them in their IFA journey.

IFA is part of me and my plan is to become a Chairman’s Forum member in the next two to three years because I know what I am capable of.

grew up on a farm with my parents and nine siblings. It was a tough childhood in 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

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.

Proud of his newest buy

Letang Ramushu Gauteng

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have never had a formal job, I can’t 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 didn’t think I could do this business because I only have grade 2 with no formal work experience, but I ed 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 driver’s licence at the end of last year at the age of 54. I bought my first 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

7

Clientèle Leads The Campaign Against Loan Fraudsters

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n the October 2013 edition of Izindaba (page 7), IFAs

mainstream media such as Metro FM, Daily Sun, Websites, The

were warned about the illegal loans scam making its

Star, Herald, The Citizen, Pretoria News, Mercury and Cape Times.

rounds in the South African financial services market.

“Through this campaign, we warned our clients and the South

Through access to databases of names and details,

African public that they will should never deposit money upfront

the fraudsters entice unsuspecting consumers into applying

into any bank in order to receive a loan. Our initiation fees

for loans and then request them to pay a deposit or initiation

always form part of the first deduction in the agreed repayment

fee into a bank . This is when the fraud and theft of

amount,” says Dr Gary Simpson, Group Executive: Compliance and

money takes place.

Risk at Clientèle.

As a responsible corporate citizen, Clientèle Loans proactively

If you suspect that you may be a victim of fraud, send an email to

warned consumers about an upsurge in loan scams through an

[email protected]. If you need more information about the

above the line print, radio, online and Public Relations campaign.

loans scam, go to www.clientele.co.za.

To get the message across, the campaign appeared in various

By Elliot Ngubeni

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

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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

IFA Izindaba • September 2013

Qualifiers 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

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

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

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

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

Club 60

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

Club 100

Frans Smit Keromilemang Mogatle Patrick Hlatshwayo

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

Club 175

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

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

Zolelwa Mbana Freedom Gumede Cyprian Danisa Wellington Mhlongo

Club 375

Sibulele Mtshemla Gcobani Mgibantaka

Club 1750

Tomane Phatlane WESTERN CAPE NORTHERN CAPE KWAZULU-NATAL

KWAZULU-NATAL KWAZULU-NATAL WESTERN CAPE KWAZULU-NATAL KWAZULU-NATAL

KWAZULU-NATAL EASTERN CAPE GAUTENG GAUTENG GAUTENG WESTERN CAPE

EASTERN CAPE KWAZULU-NATAL KWAZULU-NATAL KWAZULU-NATAL

EASTERN CAPE GAUTENG

GAUTENG