Should an employer have one or more retirement funds that employer shall require that its employees either be members of one of such funds or of the SATAWU National provident fund.  Where an employee is a member of any of the aforementioned retirement funds the employer of such employee shall contribute to the retirement or provident fund an amount equivalent to at least 10% of the employee's basic pay. An employee shall contribute at least 8.5% of the employee's basic pay to the retirement or provident fund.

An employer shall be entitled to deduct from an employee who is a member of any of the aforementioned retirement funds the employee's contribution of 8.5% of the employee's basic pay. The employee's contribution, once deducted, together with the employer's contribution shall be paid over to the relevant fund by the employer by no later than the fifth day of each month or in terms of the rules of the relevant fund.