SPF: Savings Recurring premiums Cumulus Investments Date: Presenter name:

Looking for an investment that gives you great returns and peace of mind?

Introducing ………

Sanlam Cumulus Investments An endowment that has been designed to give you the flexibility to choose how and where you want to invest your money. Offering you the potential to earn exceptional returns on your money with a range of investment funds to choose from.

Unique features Make the most of your savings by taking advantage of the unique features of this product: Qualify for an additional allocation for monthly payments of more that R2 500 we will add 1% to your investment for monthly payments of more that R5 000 we will add 2% to your investment Earn Loyalty bonuses No alternation charges will apply if you access your funds after two years. .

Why save in an endowment plan Tax efficient for individuals with high marginal tax rates. Great estate planning benefits

Who should invest in this product? If you are a higher income earner looking for an investment that will result in you paying less tax, while still following a growth investment strategy, and where maximum liquidity is not essential, then an endowment is the right investment option. - Individuals - Trusts of which all the beneficiaries are individuals - Tax-paying institutions

attractive features of this endowment 01 Make your investment grow even faster For monthly payments from R2500 there is an additional 1% and from R5000 per month and higher, an additional allocation of at least 2% applies Cost effective savings option Cumulus Investments offers a cost structure that is amongst the lowest in its class, ensuring an extremely cost-effective savings option 02 03 Wide selection of investment funds You have access to the leading investment funds in the industry, making it easier to select the most appropriate funds for your needs. Protection from volatile equity markets Sanlam Escalating Funds has a built-in guarantee, offering protection from volatile equity markets in uncertain times 04 Sanlam Savings

Sanlam Escalating Funds Cumulus Echo = institutional fee class that offers reduced fees AMC @ benchmark 0.4% vs. retail 1.25% TIC 0.8% vs. 1.7% Save almost 50% Sanlam Savings 1 Weighted TIC 1.2% vs. 0.7% Save almost 60% 3 SIM Balanced Fund Moderate Sanlam Esc SIM Balanced Cautious DWB Moderately Aggressive Sanlam Esc DWB Moderate

more benefits of Cumulus Investments and there’s more more benefits of Cumulus Investments Taxability of benefits Gross investment returns are subject to life office taxation in terms of the four-fund dispensation. This means that Sanlam Life pays tax on the assets it holds for the benefit of all clients. According to current legislation, the returns of the investment will not be taxable in your hands. 04 01 Loyalty bonus The recurring payments option offers a loyalty bonus that refunds a percentage of some fees on certain plan anniversaries, as well as at death or termination on or after the option date, provided that the plan is not terminated within two years of the start date. Regular withdrawals from the plan After the initial term has expired, the term is open-ended. You may apply to make regular withdrawals from the plan during the open-ended period. The regular withdrawals may, however, not be made while recurring payments are being made. 02 03 Flexibility With the recurring payments option no alteration charges will be deducted from the fund value if your payments are reduced or stopped. Sanlam Savings

Making the most of your hard-earned money That’s what makes us Wealthsmiths™ Sanlam Savings