Welcome to Discovery Bank. Discovery Bank Platinum ...

1 Our Discovery Bank Platinum Collection combines comprehensive features, exclusive benefits and lifestyle rewards into an exceptional banking to Discovery bank like no shared-value available balanceTotal balanceDiscovery Miles balanceFinancial behavioursVitality MoneyDiamond statusPropertySavingsRetirementDebtInsur anceFinancial behavioursShared-value rewards stackDynamic Interest RatesMoreCardsTransactAccountsHome9:41 Platinum SuiteR100 rate9% 00002 The Future of Banking. Bank is designed to share the value that you create by managing your money well, back with you through unprecedented interest rates, retail and travel discounts and other rewards. AccountsPortfolioYour available balanceTotal balanceDiscovery Miles balanceFinancial behavioursVitality MoneyDiamond statusPropertySavingsRetirementDebtInsur anceFinancial behavioursShared-value rewards stackDynamic Interest RatesMoreCardsTransactAccountsHome9:41 Platinum SuiteR100 rate9% 00003 Get financially healthier with Vitality MoneyComplete the Vitality Money Assessment to learn just how financially healthy you are, and unlock fabulous your financial healthYour financial health is determined by five behaviours that, if left unmanaged, can lead to you not being able to meet your financial obligations.

2 You ll earn Vitality Money points based on how you do in each of short-term debtWe look at how much of your income is spent on paying off unsecured debt, such as credit cards and personal loans. Having the right types of insuranceWe look at whether you have adequate insurance in place to protect you against unexpected expenses or loss of income. Having enough savingsWe look at whether you have adequate savings to cover you for unforeseen expenses. Managing property investmentsWe compare your property value to your home loan balance. If you don t own property, we look at the value of your investments that you could use for rent and living expenses during on track for retirementWe look at whether you re saving enough to be financially independent by the time you want to retire. Improve your statusEngage with our range of tools and complete your goals to increase your Vitality Money points, and watch your status improve all on the CalculatorWe ll help you with a retirement plan that suits you.

3 Achieve the retirement age you want by managing how much you invest each month, how much income you need in retirement and withdrawing wisely when you education videosYou can watch educational videos that explain important financial concepts and banking tools in a simple and intuitive way, or access advanced financial courses at discounted Capacity Assessment Investing and finances can be tricky, but with our Risk Capacity Assessment, you ll learn more about your investment risk profile. You can use your risk profile when managing your investments and to safeguard your long-term financial we calculate your Vitality Money pointsAt the touch of a button, we ll integrate with multiple sources to assess your financial health and calculate your Vitality Money points, and your overall Vitality Money everyday account is your Discovery Bank credit card account or Discovery Bank transaction account.

4 The maximum borrowing rate rebate applies with your Discovery Bank Suite or Discovery Bank Transaction Account (where you pay one monthly fee for a bundle of transactions). The savings rate boost of up to on the base savings rate applies to demand savings accounts and 24-hour notice savings more and pay less with Dynamic Interest RatesChange your money habits, get financially healthier, and improve your Vitality Money status. The higher your Vitality Money status, the better your up to intereston your positive balance in your everyday accounts. Get up to intereston demand savings up to 6% lesson your borrowing available balanceTotal balanceDiscovery Miles balanceFinancial behavioursVitality MoneyDiamond statusPropertySavingsRetirementDebtInsur anceFinancial behavioursShared-value rewards stackDynamic Interest RatesMoreCardsTransactAccountsHome9:41 Platinum SuiteR100 rate9% 0000560%Up toLocal flightsoffHMHV itality HealthMVitality MoneyDVitality DriveGymUp to100%in savingsHMHealthyFoodUp tobackHMOne return or two one-way specific reward percentages are determined based on your Vitality Money status, engagement with the Vitality Health programme, your Discovery Bank product and monthly qualifying card spend.

5 With Vitality Active Gear, you get 50% off for completing Vitality health assessments and achieving your Vitality Active Rewards exercise goals, plus a boost for managing your money well with Vitality toHealthyCarebackHM50%50%MoreCardsTransa ctAccountsBoost your rewards with dynamic lifestyle rewardsGet even more with our range of boosted Vitality rewards being financially healthier has never been more toVitality Active GearoffHMUberUp tobackMDPlus, get an upfront up to 25% off with Vitality tobackPlus, get an additional up to 50% back with Vitality active and driving wellUp toof your points60%HMDF itness devices and Nike performance gear. 06 Use a Discovery Bank credit card04 Earn Discovery Miles on all qualifying purchases made with your Discovery Bank credit will be eligible to be awarded up to D1 through Vitality for every R20 invested if you take out a Discovery PrimeFlex1.

6 Invest with DiscoveryGet up to 50% back in Discovery Miles on qualifying spend when you buy HealthyFood items at Pick n Pay or Woolworths. You could also get up to 50% back on HealthyCare items at Clicks or , many of your Vitality Health rewards are awarded in Discovery Miles, once you activate Vitality up to 15% back in Discovery Miles on qualifying spend when you fill up at BP and select Shell service stations, or when you ride with up to 15% back on qualifying spend on Uber Discovery Miles for getting active, driving well and spending responsibly01 Get your dynamic lifestyle rewards in Discovery Miles02 Get rewarded on fuel spend and Uber rides03 Get up to 15% back on qualifying spend on Discovery Miles by achieving your weekly health, drive and money goals with Vitality Active Rewards. PLUS, earn up to 60% of your fitness and drive points in additional Discovery Miles every week.

7 HealthyFoodHealthyCareDiscovery Miles, our rewards currency that s more valuable than cashDiscovery Miles is Discovery s rewards currency that clients can earn for getting healthier, driving well and spending responsibly. Save up to 20% when you spend Discovery Miles in-store, online, or on prepaid products and services on the Discovery Bank the Discovery Miles for more to earn Discovery Miles1 See details on back Discovery Miles online and in-store at select partners using the Discovery Bank app. 03 Spend them on travelUse Discovery Miles for flights, accommodation and holiday package Discovery Miles on a range of exciting rewards in the Vitality Mall. and many many them on Vitality Active Rewards01 Shop online and in-store02UP TO20%OFF04 Spend them on prepaid products and servicesPurchase airtime, data and SMS bundles, as well as prepaid water and electricity on the Discovery Bank app.

8 UP TO20%OFFHow to spend Discovery MilesDiscovery Miles are more valuable than cash: Save up to 20% when you spend Discovery Miles in the Vitality Mall, at our online and in-store partners, or on prepaid products and servicesUP TO20%OFFE xchange Discovery Miles for cash, paid straight into a Discovery Bank account. You can also send them to any of your contacts who have a Discovery Miles Account with Discovery them or send them to your contacts050808 Earn Vitality Active RewardsGet a new iPhoneAchieve all your Vitality Active Rewards goals each week to fund a new eligible devices and pricing on the Discovery Bank app. Limits, terms and conditions thousands of Discovery Miles for achieving your Vitality Active Rewards goals Earn a play on the gameboard for each of your Vitality Active Rewards health, drive and money goals you achieve in a week.

9 Each play will give you the chance to earn more Discovery Miles than ever Vitality Active Rewards money goal promotes responsible spending using your Discovery Bank debit or credit card, while maintaining your Discovery Bank savings account balance. Earn 20 points to close your money ring by spending responsibly on your Discovery Bank card. Your progress will carry over to the following week if you don t close your money ring, and your money goal will reset to zero if your savings balance drops too Vitality Active Rewards money goalHow to achieve your money goalMaintain your Discovery Bank savings account balance and spend responsibly, and you ll earn the following points:Points earnedPurchase - R491R50 - R4992R500 - R2 4993R2 500 or moreon us09 The Discovery Bank Platinum Collection You can choose between a transaction or credit card account, or select a full banking suite and get the power of both.

10 Get unlimited free savings accounts to help achieve your goals. You get up to 55 days interest-free credit for select credit card transactions. Choose to pay for each transaction or pay one monthly fee for a bundle of transactions. Manage your credit easily with a single credit facility, the most flexible credit facility in the market. If you select a full banking suite, you have the freedom to decide how to split your credit between your credit card and comprehensive features, exclusive benefits and lifestyle rewards in a completely personalised digital banking experience, you ll find the ideal product with the Discovery Bank Platinum security features The most advanced facial-recognition technology makes sure that only you can log in to the app. Your card has secure chip-and-PIN technology, and the ability to make fast and secure tap-and-go payments.