Insurance | Financial Planning | Retirement | Investments | Wealth Making the most of your hard-earned money. Dear <<personalise with client name>> 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. Great estate planning benefits and tax-efficient for individuals with high marginal tax rates. Make the most of your savings by taking advantage of the unique features of this product: Qualify for an additional allocation of up to 2%. Earn loyalty bonuses. No alternation charges will apply if you access your funds after two years. As your Sanlam financial adviser, speak to me today to find out more about Sanlam's Cumulus Investments. <Adviser to insert name and contact details>. Insurance | Financial Planning | Retirement | Investments | Wealth Sanlam, 2 Strand Road, Bellville, South Africa | www.sanlam.co.za Sanlam Life Insurance is a Licensed Financial Services Provider © 2017 Sanlam. All Rights reserved.