UAP UNIT TRUST FUND

WHO WE ARE UAP Financial Services is a member of the Old Mutual Group with interests in Insurance, Investment Management, Property Development, Securities Brokerage and related financial services. In East Africa, the old mutual group operates as UAP-Old Mutual Group. The Old Mutual Group Old Mutual heritage started 170 years ago in South Africa. The Old Mutual Group, a FTSE 100 and Fortune 500 member has since grown into an experienced international financial services group. Old Mutual Plc. is a well-capitalized strong brand with operations in over 33 countries and listed 0n the following stock exchanges: London, Johannesburg, Zimbabwe and Malawi. The Group operates worldwide in over 30 countries employs about 57,000 people in insurance, asset management and banking. In the year ended 31 December 2014, the Group reported adjusted operating profit (AOP) of £1.61 Billion and had £319.4 Billion of funds under management.

WHO WE ARE

OUR PRODUCT OFFERING  Buying and selling stocks across the East African region  Active Portfolio Management  Gain access to capital through  IPOs (Initial public offers)  Commercial Paper and Corporate Bonds  Infrastructure Bonds and Sovereign Bonds  Money market fund  Umbrella trust fund  Balanced fund  Cash management solutions  Pension fund management  Private wealth management Discretionary portfolio management Unit trust fund management Stock brokerage Advisory

WHY UAP FINANCIAL SERVICES Highly qualified Combined industry experience of over 200years Diversified background Tested team cohesion Excellent Client service Tested investment philosophy Disciplined investment process. Robust IT capability Good governance Ethical conduct of business Huge distribution network Diversified products Wide customer base Over Ush 5Trillion in AUM Responds to client needs One of the biggest UTF Manager in Uganda and Kenya Committed to markets we operate in. Risk adjusted returns Benchmark beating returns People Products Performance Processes, structures and systems

WHAT IS A UNIT TRUST? Each person receives units in return for his/her investment. Each unit has the same value and is an undivided share of the portfolio. Pool of Savings Investor A Investor B Investor C Investor F Investor E Investor D Income Savings Pension money

TYPES OF UNIT TRUST MONEY MARKETUMBRELLA TRUST BALANCED FUND  Investment – government bonds, fixed deposits, treasury bills and commercial paper  Short term investment  Returns - interest received monthly  Unit price remains static yield changes on a daily basis  Low risk – safe parking place, ideal during times of stock market turbulence  Invests in accordance with the investment guidelines of the URBRA.  Suitable for small to medium sized pension schemes & personal pension plans.  The fund will have a bias towards fixed income securities  The fund will have a low risk profile  0% Initial fee  2% annual management fee  Investment - equities(30%), interest bearing assets(70%)  Recommended period 3 to 5 years  Returns - dividends and interest paid quarterly  Unit price - changes daily, underlying movement of shares held determine unit price  Medium risk - Suitable for medium risk investors and offers medium term growth.

GOVERNANCE STRUCTURE  The Trustee (Standard chartered bank) - Acts as the representative to the unit holders, monitors and ensures that all transactions in the fund are carried out in accordance with the law  The Fund Manager (UAPFS) - Invests the portfolio across various asset classes and will use his market knowledge and expertise to give superior rate of return.  The custodian (Standard chartered bank) - Safeguard the assets of the unit trust. The custodian is regulated by the bank of Uganda.  The Auditor (PWC) - Will check and audit the unit trust operations on an annual basis to further enhance your security as investors.  The Regulators - The funds are regulated by the Capital Markets Authority and the Uganda Retirement Benefits Regulatory Authority

STOCK BROKERAGE A STOCK is a unit of ownership in a company. UAP FS helps companies and individuals to buy or sell shares across the East African region. ONE CAN MAKE MONEY IN SHARES IN TWO MAJOR WAYS  Appreciation in value (Capital Gains)  Dividend income THE AMOUNT OF RETURN ONE EARNS ON AN INVESTMENT IN SHARES DEPENDS ON:  How much profit the company makes  The dividends declared  How many shares one owns WHY INVEST IN STOCKS  Investment in shares does not require close supervision than would be the case with operating a business  Shares in most cases are a good hedge against inflation since returns on investment in shares typically exceed the rate of inflation  It is relatively easy to buy and sell shares than other investments like land or even a business  Price and market information on shares is easy to find in the main media (i. e. web, radio, print and broadcast)

PORTFOLIO MANAGEMENT AND ADVISORY SERVICES DISCRETIONARY PORTFOLIO MGTADVISORY We manage pension funds for different types of clients both individual and institutions. We also do consultancy work for pension funds and endowment fund management. UAP Financial Services provides tailor made investment solutions for high net worth individuals and institutions. This is done through;  The cash management solutions  Pension fund management  Private wealth management UAP FS helps companies to raise funds through equity capital markets and debt capital markets Equity Capital markets  I.P.O.S (initial public offers)  Private placements Debt Capital markets  Commercial paper and corporate bonds  Structured loans, project financing  Infrastructure bonds and sovereign bonds

BENEFITS OF INVESTING  Diversification  Cost Efficiency  High liquidity  Tax efficiency  Flexibility  Interest is accrued/earned on a daily basis  Capital preservation  Ease of determining one’s value

REQUIREMENTS Individuals a.Copy of Identification document b.One color Passport-sized photo c.Copy of recent bank statement(Not more than 3 months) or cancelled cheque d.Proof of residence (copy of utility bill or LC letter or residence verification letter e.Investment Cheque/Original Bank Deposit Slip in the name of the selected fund. f.Signed addendum Corporates a.Copy of certificate of incorporation. b.Copies of signatories identification documents c.One color passport-size photo for each of the signatories d.Copy of recent bank statement (Not more than 3 months old) or cancelled Cheque. e.Resolution to carry out the investment on company’s letterhead f.Investment cheque/Original Bank Deposit Slip in the name of the selected fund

OUR HOME-THE NAKAWA BUSINESS PARK-CONTACT Plot 3-5 New Port bell Road UAP Nakawa Business Park Tower 1,6 th Floor P.O.BOX 1610 Kampala, Uganda Telephone; Website:

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