1. Flexible Investment Plan Range Essential Flexible Investment Plan Classic Flexible Investment Plan An investment horizon of at least 3 years (2.75% Early Exit Fee in the first 3 years) Lowest possible platform fees of 0% on Discovery Funds and 0.4% + VAT on External Funds An investment horizon of at least 5 years (2.75% Early Exit Fee in the first 3 years) Lowest possible platform fees 0% on Discovery Funds and 0.4% + VAT on External Funds Performance protection provided by the Classic Performance Protector Fund (0.57% pa annual protector premium) Disclaimer: This analysis excludes fund management and advisor fees and considers the various product provider rules as at March 2015. This information is not advice as defined and contemplated in the Financial Advisory and Intermediary Services Act, 37 of 2002.

2. BandFee Amount First R1.5 Million0.5% + VAT Thereafter0.2% + VAT Allan Gray Funds0.2% + VAT Example: Allan Gray How to match the 0.35% platform fee with the Discovery Essential Flexible Investment Plan Platform Fee Structure Effective Platform Fee Investment Detail With optimal portfolio (100% Discovery Funds & 0% platform fee) Savings after 5 years relative to the current portfolio Savings after 10 years relative to the current portfolio Essential Flexible Investment Plan R 27,987R 89,364 Classic Flexible Investment Plan R 34,440R 136,297 R1 Million 50% Internal Funds 50% External Funds 0.35% + VAT net platform fee

3. BandFee Amount First R1.7 Million0.5% + VAT Next R3.3 Million0.28% + VAT Thereafter0.23% + VAT Example: Momentum Wealth How to match the 0.5% platform fee with the Discovery Essential Flexible Investment Plan Platform Fee Structure Effective Platform Fee Investment Detail With optimal portfolio (100% Discovery Funds & 0% platform fee) Savings after 5 years relative to the current portfolio Savings after 10 years relative to the current portfolio Essential Flexible Investment Plan R39,862R126,808 Classic Flexible Investment Plan R46,314R173,741 R1 Million 50% Internal Funds 50% External Funds 0.50% + VAT net platform fee

4. BandFee Amount First R3 million0.4% + VAT Thereafter0.2% + VAT Example: Investec iSelect How to match the 0.40% platform fee with the Discovery Essential Flexible Investment Plan Platform Fee Structure Effective Platform Fee Investment Detail With optimal portfolio (100% Discovery Funds & 0% platform fee) Savings after 5 years relative to the current portfolio Savings after 10 years relative to the current portfolio Essential Flexible Investment Plan R 31,954R 101,902 Classic Flexible Investment Plan R 38,406R 148,835 R1 Million 50% Internal Funds 50% External Funds 0.40% + VAT net platform fee

5. BandFee Amount First R350 0000.75% + VAT Next R450 0000.50% + VAT Next R250 0000.35% + VAT Next R4 million0.25% + VAT Thereafter0.2% + VAT Example: Sanlam Glacier How to match the 0.40% platform fee with the Discovery Essential Flexible Investment Plan Platform Fee Structure Effective Platform Fee Investment Detail With optimal portfolio (100% Discovery Funds & 0% platform fee) Savings after 5 years relative to the current portfolio Savings after 10 years relative to the current portfolio Essential Flexible Investment Plan R 31,954R 101,902 Classic Flexible Investment Plan R 38,406R 148,835 R1 Million 50% Internal Funds 50% External Funds 0.40% + VAT net platform fee