1. Independent, Objective, Creative The Enhance Wrap Fund Solution Portfolio Construction Simplified Investment Plans That Work

2. Independent, Objective, Creative What is a Wrap Fund Asset ClassesInvestment ManagersInvestment ProcessesInvestment StylesGlobal Regions Is a Wrap Fund a Fund of FundsIs a Wrap Fund a Multi Manager Fund It could be said that a Wrap Fund is something of a hybrid, focusing on blending:

3. Independent, Objective, Creative The main objectives of a Wrap Fund Match Portfolio Risk with Client RiskReduce VolatilityEmploy Diligent Fund Selection ProcessesIdentify Consistently Successful Fund ManagersOutperform Clearly Stated BenchmarksProvide Clients with an Efficient Portfolio Management ProcessKeep Costs Competitive Wrap Fund Managers seek to build portfolios which:

4. Independent, Objective, Creative What Makes the Enhance Wrap Funds Simple Managed by Professionals Who Understand Client NeedsInvestors have Direct Access to the Fund ManagersInvestors Become Members of the Enhance Investor CommunityTotal Investment Decision Transparency and CommunicationAbsolute Performance BenchmarksEfficient Portfolio Management and Re-BalancingClearly Defined Investment Objectives & Mandates

5. Independent, Objective, Creative Who Manages the Enhance Wrap Funds In Collaboration With Glacier Financial Solutions Rafiq Taylor: Portfolio Manager B.Com. (Economics) B.Com. (Honours) (FAPM) Sanlam Multi Manager International (SMMI) Peter Strydom: Research National Certificate Wealth Management Independent Financial Advisor (IFA) Peter Strydom Financial Services (PSFS) JP Newman: Business Development B.Com. (Economics) B.Com. (Honours) (FAPM) Sanlam Multi Manager International (SMMI) Garth Strydom: Research B.Com. Certified Financial Planner (CFP) Peter Strydom Financial Services (PSFS)

6. Independent, Objective, Creative Why an Enhance Wrap Fund Unlike traditional asset managers who select the underlying assets in a portfolio, Enhance & SMMI focus on finding the best managers in the market who in turn select the underlying assets for our clients. We believe there are skilful managers who are able to achieve real value for their investors over time. But not all investment management styles fare equally well in all phases of the market cycle. At times market conditions favour a particular management style, but when those conditions change, managers with a different portfolio construction style or bias tend to fare better. When selecting a traditional, single-asset manager, clients seldom unpack the biases that underpin that manager’s investment philosophy, such as his view of risk and how best to manage it. In doing so, they limit themselves to the manager’s specific investment style and skill set, which may not be optimally suited to achieving their own investment objectives. Enhance & SMMI’s analysis process is carefully designed to uncover these biases, to understand the risk inherent in the various management styles and to ensure manager selection is geared towards achieving the fund’s investment objectives in the long run. We believe we can help our clients achieve better investment outcomes by finding and blending skilful managers who are not only suited to today’s environment, but geared to benefiting from changing market conditions. Because of our size, we are also able to take advantage of our pricing power and offer our clients the benefit of doing this at competitive prices. This makes a Multi-Managed Wrap Fund solution a compelling investment proposition.

7. Independent, Objective, Creative Investment Management Process

8. Independent, Objective, Creative Investment Management Process Fund Manager Selection

9. Independent, Objective, Creative Investment Management Process Fund Manager Blending

10. Independent, Objective, Creative The Enhance Wrap Fund Range Enhance Income FundEnhance Cautious FundEnhance Moderate FundEnhance Worldwide Flexible Fund

11. Independent, Objective, Creative The Risk/Reward Matrix Income Cautious Moderate Flexible Reward Risk Low High

12. Independent, Objective, Creative Fund Investment Objectives Enhance Income Fund The Enhance Income Fund has been structured so as to provide a low risk, low volatility portfolio ideally suited to providing an income. This portfolio is Regulation 28 compliant and may be used in a Living Annuity or Retirement Fund. The fund aims to deliver a return greater than Inflation+2% and to outperform the Multi Asset-Income Unit Trust Sector average. Enhance Cautious Fund The Enhance Cautious Fund has been structured so as to provide a low risk, low volatility growth portfolio and is suitable for investors with at least a 3 year investment time horizon. This portfolio is Regulation 28 compliant and may be used in a Living Annuity or Retirement Fund. The fund aims to deliver an annual return greater than Inflation+3% and to outperform the Multi Asset-Low Equity Unit Trust Sector average. Enhance Moderate Fund The Enhance Moderate Fund has been structured so as to provide a medium volatility growth portfolio and is suitable for investors with at least a 5 year investment time horizon. The portfolio consists of a blend of low correlation funds & asset classes, is Reg. 28 compliant & may be used in a Living Annuity or Retirement Fund. The fund aims to deliver an annual return greater than Inflation+4% and to outperform the Multi Asset-Medium Equity Unit Trust Sector average. Enhance Worldwide Flexible Fund The fund has been structured so as to provide an actively managed, asset allocation growth portfolio and is suitable for investors with an investment time horizon of greater than 5 years. The portfolio has complete flexibility to invest across different geographies & in all major asset classes. The fund aims to deliver an annual return of greater than Inflation+6% over a rolling 5 year period & is not Reg. 28 compliant.

13. Independent, Objective, Creative Performance & Volatility Characteristics 3 Year Simulated Performance Graphs The graphs illustrate the volatility/performance attributes of each of the funds. The smoother the graph, the lower the risk. These graphs are simulated and are for risk illustration purposes only. Past performance is not an indicator of future performance.

14. Independent, Objective, Creative How to Invest in an Enhance Fund Available only on the Glacier LISP PlatformAvailable to all Glacier registered & approved intermediaries Can be used in: - Living Annuities, Preservation Funds, Retirement Annuities- Endowments, Sinking Funds- Capital Growth & Discretionary Income Investments- Employer Pension & Provident Funds

15. Independent, Objective, Creative For more Information: 031 205 2496 Telephone Tel: 031 205 6548 Fax: 031 205 1752 Peter Strydom Financial Services Websites Sanlam Multi Manager International pjstrydom@telkomsa.net E-Mail gpstrydom@telkomsa.