Segment Businesses The key focus of the MMI strategy and its structure is on building relationships with clients by integrating financial wellness solutions into our engagement with clients. This will allow a deeper understanding of our clients’ needs, circumstances, and preferences thereby allowing MMI to design, deliver and manage holistic lifetime solutions that integrate multiple products and services to guide our clients towards financial wellness. Metropolitan Retail Focuses on understanding and meeting the financial wellness needs of consumers in South Africa’s lower income segment. The business is also responsible for client interaction and manages the distribution channels and client service capabilities relevant to their clients. Khanyi Nzukuma Momentum Retail Focuses on understanding and meeting the financial wellness needs of consumers in the South African middle to upper income segments. It is responsible for all interaction with clients in these segments, using the distribution and service channels relevant to middle-to-upper income clients. Mark van der Watt Corporate and Public Sector Serves the financial wellness needs of medium-to-large group clients in the corporate and public sector segments. The business also manages the distribution channels used to interact with clients in these two segments, using either the Herman Schoeman Momentum, Metropolitan or Guardrisk brand, depending on which is most appropriate to the particular client or sub-segment. International Follows a multiple approach in entering new markets including emerging countries such as outside South Africa and further afield such as India. The business is responsible for identifying opportunities for leveraging our Blum Khan financial wellness proposition across multiple segments of the countries where we are represented through multiple distribution channels and using the client- facing brand appropriate to the country. 16