Congratulations on joining South Africas Number 1 Income Opportunity.

Our company changes lives and provide people with the opportunity to better their financial circumstances by following a simple plan. That plan starts here with your very first training which will teach you the most important features of our products. This is important as you have to know what it is that you are marketing to others. On the other hand, don't wait until you are an expert in order to start doing the business. The great thing about this business is that you can start making money right away as you learn and through the process of doing so you will become an expert. The main aim of this training is to get you started and to motivate you to market our products first and make the Start-Up Bonus commission during the next 30 days which will ensure that you earn at least R500 as a first commission cheque from us. At your next training, the FAST START TO SUCCESS, we will show you how to market our Income Opportunity to others which will ensure that you start earning the bigger and unlimited amounts of money. Go through these notes, work with the person who introduced you to the business or contact the office and we will get someone to assist you to ensure that you achieve success with our system.

Succeed with Us!

Mu Sure
Your Protection & Prosperity Partner

Basics about the Products

Before you start approaching others to introduce our products to them, it is important that you ensure that you understand the most important features and benefits of our products / services. The people you will be dealing with will be asking you to explain certain things to them about the cover and you'll be expected to know at least the basic answers. Now, initially you cannot be expected to know everything and if asked a question that you do not know the answer to, please tell the person / people that you have just started and that you'll have to get back to him / her / them or that you haven't come across such a situation and you'll find out what the answer is. They will in most cases appreciate your honesty. NEVER give an answer that you are not 100% sure of. LEGALSURE Family Plan Why Legal Cover? a. Statistics show that you are 7 times more likely to need a lawyer today than end up in hospital. Despite this fact most people have medical aid but no legal cover. b. Lawyers are very expensive up to R800 per hour. This is more than a year's LS fees. c. People need lawyers all the time but don't make use of them because it is too expensive or they don't know who to approach. As a subscriber to our LEGALSURE Family Plan the member and his / her family will be entitled to the following benefits: Telephonic Advice and Consultations As a LEGALSURE member you are entitled to an unlimited number of telephone consultations on any personal legal matter with one of the legal advisors in our employ 24 hours per day and 7days a week. Face-to-Face Consultations Should it be advisable that you consult with an attorney in your area personally, you will be able to do so at no extra costs to you. Review of Legal Documents You may have legal documents pertaining to personal matters totalling up to six pages in length per document reviewed at no additional cost by the legal advisors in our employ and they will advise you on the contents of such legal documents. Letters and phone calls on your behalf If the attorney appointed by us finds it necessary, he or she will also write letters or make phone calls on your behalf to assist in resolving your legal matters. Simple Wills Everyone should have an up-to-date will. The simplest of Wills can save you and your family an enormous amount of money and time. The legal advisor in our employ will assist you in either preparing a new Will or updating your existing Will. This will be done telephonically and a proposed Will posted or faxed to you. Small Claims Court The Small Claim Courts in South Africa are becoming increasingly popular. While people are not allowed to be represented by attorneys in these courts, your legal advisor can discuss the matter with you telephonically and advise you on the procedures of the Small Claim Court in your area and also help you with a strategy to use in your case. A Small Claims Court Kit is also available. Miscellaneous matters Ante-nuptial contracts Application for late registration of birth Application for change of name Application to restore credit rating Advice, negotiating settlement and representation before any maintenance court hearing NB: Please note that we cover Maintenance Matters and removal of our members names from Black Listing which most other companies don't cover.

Legal Expenses Cover In addition to the above, members are also covered for civil, criminal and labour related matters up to an amount of R15 000 per year for legal representation / lawyers' fees. When does your cover start? There is a one (1) month waiting period for telephonic advice and services commencing on the first day of the month succeeding the month during which the first payment was received by us. Commencement of risk cover (physical representation) is six (6) months after the first premium was received from the member commencing on the first day of the month succeeding the month during which the first payment was received by us. How does one make use of the service? A 24-hour Call Centre is available to all LEGALSURE members. The number to dial for legal assistance only is 0861 112 887. Please have your membership number or identity number ready when phoning. There are 8 qualified attorneys on duty at any time of the day providing the service in all of South Africa's official languages. For all other queries with regards to administration you should call the office on 08600 53425. Who is covered? The member, spouse / partner, dependent minor children (biological, adoptive or step-child and any foster-child placed in the member's care by way of a court order), dependent parents provided that those parents are ordinarily resident with the member. What happens if I lose my employment and can't pay my premiums? If the member is retrenched or becomes temporarily totally disabled due to an accident after the policy has been in force for not less than 12 consecutive months, we will waive premiums for a period not exceeding three months provided that the member gives us written notice of the retrenchment or disability together with such proof as we may require, prior to non-payment. Is the LEGALSURE policy underwritten? Yes, the policy is underwritten by SA Eagle (Pty) Ltd meaning that the latter guarantees the service. Can I get a copy of the list of attorneys on the LEGALSURE panel? Neither we nor our underwriters and service providers provide a list of the attorneys on our panel as we want to prevent members contacting these attorneys directly rather than follow the correct procedure which is to contact our Call Centre first. If the Call Centre attorneys cannot assist the member then the latter will be referred to an attorney in his / her area. FUNISURE Funeral Plan As a subscriber to our funeral cover plan, the member will enjoy the amount of cover set out in the brochure in exchange for the premium indicated thereon. When does your cover start? All new members are subject to a six (6) months waiting period before cover commences but should a member die as a result of an accident then a one month (1) waiting period will apply. Who is covered? The member, spouse / partner and unmarried children up to but not including the age of 21. Cover is extended up to but not including the age of 26 if the child is unmarried and a full-time student. Cover for physically or mentally disabled children who are dependent on their parents will be included under this plan, irrespective of age, provided that they do not receive a disability grant. Provision is also made for extended family members to be included as indicated on the application form. What are the main features of our funeral plan? Minimum administration No medical examinations Lowest possible premiums Claims attended to within 24 hours Complete peace of mind to members NB: Our Funeral policy pays out even if death was due to Aids provided that the member, spouse / partner or dependant was HIV negative at the time the funeral policy was taken out. Please see the percentages paid out in the case of death due to HIV next to point 14 (top) on the reverse side of the FuniSure application form.

How does one lodge a claim in the case of death? The number to dial for lodging a claim in the case of death is 08600 53425 (office number). We will need the membership number or identity number of the policy holder. We will also need a copy of the deceased person's identity document and death certificate. How much does the policy pay out in the case of the death of the spouse / partner or dependants? See the reverse side of the FuniSure application form - point 22. Please note that some other companies may offer a cheaper rate than ours but they do not pay out the same amounts we do for children over the age of 14, which in our case is the same cover amount as that of the main member. What happens if I lose my employment and cant pay my premiums? All premiums in the case of FUNISURE have to be paid in advance and there is no provision for payments not being made whilst the cover remains in place as is the case with LEGALSURE. If two consecutive premiums are not received then the policy is cancelled. Is the FUNISURE policy underwritten? Yes, the policy is underwritten by KGA (Pty) Ltd, a national company with offices in all the major cities and over 300 000 policies on their books.

Administration
How can payment be made? Payment can either be made via debit order, internet transfer or direct deposit into our bank account. The bank account details are as follows and also appear on the application forms: Bank: ABSA Account Name: MultiSure Account Number: 4052301886 Branch Code: 632005 Reference: (Membership Number) Is there an admin fee payable? A once-off admin fee of R80 is payable with the first premium in respect of any policy taken out. If a member takes out two policies (LEGALSURE and FUNISURE) then there are two R80 admin fees payable as the products are totally different, have separate underwriters and different policy documents will be issued.

FREE Legal and Funeral cover

In both cases (legal and funeral cover) it is possible to enjoy FREE cover. By FREE we mean that soon after starting to recruit others, the member's commission from us could be equal to or exceed his / her monthly premium. Completing the Application Forms Please take note of the following when completing application forms: FUNISURE forms 1. In case of a couple / family: 1.1 The oldest of the couple must always be the main member. The younger spouse and children are listed as dependants. 1.2 The premium amount depends on the main member's age and the amount of cover applied for. Only biological & 'legal' children under the age of 21 (or 26 if full-time student), can be listed as d e p e n d a n t s . Upon the death of adopted children, proof of adoption has to be provided. If the dependent dies and is a child over the age of 21 but a full-time student then proof of that will be required before the policy is paid out. Extended family members eg mother, father-in-law, sister, etc must be added when applying for funeral c o v e r and cannot be added to the policy later. Children / another spouse may be added later.

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The main member or any of dependants who tick yes in respect of any health question and don't have an acceptable explanation will be excluded from the funeral cover. If the disease / illness is contracted after the policy was taken out then the cover will remain. Honesty is very important when ticking health questions, because if wrong answers are provided it can lead to the policy not paying out after the member /spouse / partner / dependant passes away.

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LEGALSURE forms 1. 2. 3. In case a couple joins, the husband or wife can be the main member, but only one policy per couple is allowed. The same applies as per FuniSure (2 above) for dependant children. Dependants also include parents living with the member and who is dependant on member.

FUNISURE and LEGALSURE forms 1. Don't forget to insert date, IC name and all signatures after checking that the bank details, premiums and debit order dates are inserted. It is advisable to obtain it but we don't need the spouse's signature on the FS application form if the main member is the payer of the policy. If the payer is different to the main member, please insert the account holders name on the application form. If the wife is the oldest and doesn't work and the husband is paying then insert the latter's employment details on the form. Remember to fill in the Dependant's relation to the main member or spouse. Always try to arrange debit orders instead of the payer depositing or transferring the premiums each month and try to arrange debit orders for end of the present month instead of the 1st of following month wherever possible so as to ensure that you start earning commission asap. However, do not insist on the last day of the month just because of this reason as you want to ensure that the premium is deducted and not unpaid due to insufficient funds. Don't guess or lie if asked a question you don't know or is unsure as to what the answer is. Rather seek assistance from another member or the office and get back to member. You don't want members to cancel their policies and lose your commission just because they find out later that you gave them wrong information. Always tell / inform members of when the cover starts as explained earlier.

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* Always check the form again with the applicant before signing and leaving to save yourself / member time and unnecessary hassles. Also, it is a contract entered into between the new member and MultiSure so please keep the form neat and tidy and as far as possible, prevent corrections. ** Never give legal or financial advice to prospects. You are only there to show them the products / income opportunity and let them make the decision whether they want to make use of our opportunity or subscribe to our products. Other than that you should only assist them with completion of the forms. Any queries / questions regarding the policies or income opportunity which are not covered in these notes or set out in the brochures must be referred to the office staff on 08600 53425 who will deal with it or refer it to the underwriters.

Start-up Bonus Qualification

Your first goal is to get to 200 points with your business. This will ensure that you make a great start and earn at least R500 soon after joining. The 200 points you need to do within 37 days after registering with us and if you are unsure as to whether you can qualify, you can call the office or ask the person who introduced you for assistance. The points will be explained to you on the next page but basically each LS member you recruit counts 40 points and each FS member counts 20 points.

Examples of how you can achieve the Start-Up Bonus:

Example 1

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LS

LS

LS

LS

LS

Example 2

You

LS

FS

LS

FS

LS

FS

FS

Steps to Follow
STEP 1
Obtain a Business Kit from the person who introduced you to the business or from the office. The cost is R150 plus postage for the kit or R50 for the Mini Business Kit. You will need one of these kits to sign up others on one of our products whether they want to make use of the income opportunity or not. These notes are usually included in the Kit.

STEP 2 1
Create a TOP 10 list of people you will be contacting first to get them to sign up for one of our products. Do not try to sell the income / business opportunity at this stage unless you are an experienced network marketer. We will show you how to do that very effectively at the Fast Start to Success Training. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

STEP 3
Contact them and tell them that you are an Independent Consultant with MultiSure and that you can offer them a product that will save them thousands of rands in the future. Make an appointment or email the brochures / websites to them and ask them to take a look. Market the LS and FS products to them and get their application forms to us asap to ensure that you qualify for the Start-Up Bonus! Please ensure that you make your first premium and once-off admin fee payment during the same calendar month your first few recruits make theirs to ensure that you receive commission from their first payments.

Company Contact Details

Whenever you require assistance please do not hesitate to contact the person who introduced you to the business opportunity or the staff at the office. We are ready to help you Succeed! Tel. 041 - 363 1450 Fax. 041 - 363 1479 Share Call. 08600 53425 Email. admin@multisure.co.za

Mu Sure
Your Protection & Prosperity Partner