STANLIB Linked InvestmentsA platform for the future

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STANLIB Linked Investments

Our fund range

Our pricing

Our service

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10Model Portfolios

Passionate about the role of advice

05Our products

STANLIB manages and administers over R560 billion* assets. Established in 2002 when Standard Bank Asset Management and Liberty Asset Management merged, we have grown into a leading investment manager.

STANLIB Linked Investments – A platform for the futureSTANLIB Linked Investments has always sought to offer value and convenience. But our vision to be a leading Linked Investment Provider in South Africa requires that we do a lot more for our clients and advisers.

We are committed to offering the right products at the right price to help clients achieve their financial goals. Partnering with financial advisers and their clients, we have refined our product range and administration, introduced a comprehensive smaller range of underlying funds, relooked our pricing and introduced a range of tools for financial advisers and their clients.

When structuring an investment portfolio, you can combine Collective Investment Schemes, Model Portfolios, Personal Share Portfolios, structured products and Exchange Traded Funds (ETFs) in one contract.

*As at 30 June 2014

INVESTOR

I want to save for a goal using an

Investment Plan

ModelPorfolios

Personal Share

Portfolios

StructuredProducts

Collective Investment

Schemes

ETF Funds(Satrix)

I want to save for my retirement using a RA

I want to earn an income

during my retirement

with a linked life annuity

I want to preserve my retirement savings using

a preservation pension/provident fund

PORTFOLIO PROPOSITIONS

PORTFO

LIO PROPOSITIONS

PORTFOLIO PROPO

SITI

ON

S

All Linked Investment Providers are required to be licensed and are registered financial service providers with the Financial Services Board. Linked Investment Providers are also regulated by the Financial Advisory and Intermediary Services Act (FAIS). STANLIB Linked Investments has all the necessary licences and approvals and is independently audited.

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Our fund rangeOne of the main advantages of a Linked Investment Provider has been the wide choice they have offered investors. But too much choice creates complications.

South Africa today has over 900 collective investments schemes or unit trusts. Assessing these 900 funds and selecting the most appropriate is a task for which very few of us have the time and skills.

STANLIB Linked Investments contracted STANLIB Multi-Manager - a leading independent multi-manager to analyse all the registered unit trusts and select the most appropriate funds to form the STANLIB Linked Fund Range.

All unit trust funds are analysed using both quantitative and qualitative measures before being awarded a final rating. Funds with the higher ratings are included in the STANLIB Linked Fund Range. The analysis is repeated every six months to ensure the range remains relevant.

To satisfy growing demand, we also offer a “Retail Growth” list of funds in our STANLIB Linked Fund Range. These funds do not at present meet all the Selection Methodology criteria, but we are of the opinion that they may soon do. These STANLIB Linked Fund Range funds are also available in a Model Portfolio structure (refer to page 9). In addition, we offer Personal Share Portfolios for those investors who want to actively engage with a stockbroker on matters that may shape their investments. They can select a Personal Share Portfolio structured to achieve specific outcomes, from a reputable stockbroker and house it within their pre- or post-retirement product wrapper: Classic Retirement Annuity Fund, Classic Preservation Plans or Classic Linked Life Annuity.

STANLIB Linked Fund Range

Big enough to cover the full spectrum of funds, small enough to manage.

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Quantitative Analysis

Industry Overlay(Perfomance, Managers)

Market Demand

900 +Unit Trust Funds

+- 80Funds

STANLIBLinked Fund

RangeSTANLIB

Multi-Manageranalyses all

funds and rateseach fund

Analysed every 6 months

Our productsOur products cover most investment needs – voluntary and pre- and post-retirement savings – from the cradle to the grave.

Client Financial Need Product What This Product Offers

Save for a goal

Classic Investment Plan

Classic Retirement Annuity

Classic Linked Life Annuity

Classic Preservation Plans

Save for retirement

Manage retirement

Our Living Annuity Product for those retired who wish to manage their capital while providing them with an income in retirement

An investment plan with flexibility and choice in the underlying investments

A Regulation 28 compliant vehicle at a competitive price with a wide choice of underlying investments

For preserving retirement savings. Regulation 28 compliant vehicles at a competitive price with a wide choice of underlying investments

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Costs need to be competitive,

transparent, fully disclosed and easy

to understand

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Our pricingInvestments need to be cost effective. Costs can eat into returns and erode the end value of an investment. Costs also need to be competitive, transparent, fully disclosed and easy to understand.

Our service

Convenient transacting and consistent service

Transacting with STANLIB is convenient and access to our brochures, tools, forms and procedures is available on our website www.stanlib.com. We have developed standard guidelines and procedures for all our transactions and our consistent service is offered both via our website, STANLIB Online and our contact centre.

We aim to provide good service to all advisers and investors through our dedicated call centre and operational departments. Further to this, our highly skilled client liaison offi cers and investment consultants cater to different needs and requirements.

eForms

STANLIB has taken its fi rst step in becoming a paperless environment with the launch of eForms. You can complete Linked Investment application and maintenance forms electronically using a desktop or tablet.

The launch of eForms refl ects STANLIB’s commitment to meeting the needs and expectations of our clients and fi nancial advisers, and further improving our service.

STANLIB forms are available on our website www.stanlib.com.

Our STANLIB Linked Fund Range offers highly competitive pricing options

E-mail instructions@stanlib.comFacsimile 0867 277 501 or 011 448 6666

Investment FormClassic Investment Plan

A copy of this form must be sent to STANLIB and the Financial Adviser must also retain a complete copy. In terms of the FAIS Act, the Financial adviser that dealt with the Client must deliver theoriginal to the Client for safe custody.

ENTITY TYPE

NATURAL PERSON INDIVIDUAL SOLE PROPRIETOR

OTHER ENTITY TYPES TRUST UNLISTEDCOMPANY

CLOSECORPORATION PARTNERSHIP

ESTATE LATE LISTED COMPANY PENSION FUND MEDICAL AID

OTHER (E.G. CLUB, SOCIETY, SCHOOL, BODY CORPORATE, ESTATE AGENT, STOKVEL, ETC.)

IF OTHER, PLEASE SPECIFY

CLIENT DETAILS: NATURAL PERSON

INVESTMENT PROPOSAL NUMBER

TITLE

NAME/S

SURNAME

ID/PASSPORT NUMBER

DATE OF BIRTH - - D D M M Y Y Y Y

PASSPORT EXPIRY DATE - - D D M M Y Y Y Y

COUNTRY OFISSUE

CELLPHONE NUMBER - TELEPHONE(WORK) -

TELEPHONE (HOME) -

EMAIL ADDRESS

INCOME TAX NUMBER

SOURCE OF FUNDS

SOURCE OF INCOME

SA RESIDENT YES NO COUNTRY OFRESIDENCE

CLIENT DETAILS: OTHER ENTITY TYPES

All partnerships must complete the Partner information annexure available on www.stanlib.com and submit the completed form with the applicationform.

INVESTMENT PROPOSAL NUMBER

NAME OF ENTITY

TRADENAME

DATE OF INCEPTION - -D D M M Y Y Y Y

STALIINV005 | 2013/08DR0219 Please note this form expires on 2013/12/31. Up to date forms are always available on www.stanlib.com

Page 1 of 16

Hurdle Scale Annual Service Charge (excl. vAT)

Up to R150 000 Flat Fee of R750

R150 001 – R1 000 000 0.50% on investment amount

R1 000 001 - R3 000 000 0.35% on investment amount

Above R3 000 001 0.25% on investment amount

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Advisers add signifi cant value in the investment process

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Model PortfoliosFinancial advisers know their clients and are equipped to advise on and implement the best solution for them. By using their investment expertise to select and/or create Model Portfolios, they take financial management to the next level - managing their entire client base at the click of a button.

A Model Portfolio consists of a number of underlying funds wrapped into a single structure. They are not separate legal structures, so are controlled by the same legislation as that of Linked Investment Service Providers (LISPs), namely the Stock Exchange Control Act and the Financial Market Control Act. The underlying funds are, as always, controlled and legislated by relevant regulations, e.g. the Collective Investment Schemes Control Act.

Who can create a Model Portfolio?

Anyone who is registered with the Financial Services Board (FSB) as a Category II Financial Services Provider (FSP) can establish and manage a Model Portfolio.

A Category I Financial Services Provider can partner with a Category II Financial Services Provider who has been approved by STANLIB Wealth Management Limited to create and manage a Model Portfolio for them.

Product “wrappers”

Model Portfolios are available in voluntary and pre- and post-retirement products in our STANLIB Linked Investments product range, namely the Classic Investment Plan, the Classic Retirement Annuity Fund, the Classic Preservation Plans and the Classic Linked Life Annuity.

Constructing a Model Portfolio

When constructing a Model Portfolio, the Financial Services Provider needs to keep the following in mind:• AModelPortfoliomayconsistofupto12underlyingfunds• ThefundsinsidetheModelPortfolioandthefundsoutsidetheModelPortfolioarelimitedtotheSTANLIBLinkedFund Range• Iftheproductwrapperisapre-orpost-retirementproduct,e.g.ClassicRetirementAnnuityFund,thelook-throughon theModelPortfolioorthecombinationofModelPortfoliosandotherfundsmustcomplywithRegulation28

Example of Model Portfolios

ADvISER B(Category I FSP)

Model PortfolioManager B

(Category I I FSP)

ADvISER A(Category I FSP)

PRODUCT WRAPPERSClassic Investment Plan, Classic Retirement Annuity Fund, Classic Preservation Plans and Classic Linked Life Annuity

Model PortfolioManager A

(Category I I FSP)

Model A

Model C

Model B

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STANLIB Linked Investments knows that advisers add significant value in the investment process. Advisers are crucial to good financial decisions. Just as we are passionate about investments, financial advisers are passionate about their clients.

Good advice requires knowing the client, knowing the products and knowing the regulations; and then advising on and implementing the best solution. These areas exist independently – in the past it has been left up to the adviser to make sure each requirement was met and each need fulfilled. STANLIB Linked Investments believes we can make this process easier. Getting from the need to the final product requires a great deal of analysis - we have developed a number of tools to help the financial adviser with this analysis.

In the toolbox… Risk Profile Analyser – A range of questions that assists in identifying how risk tolerant an investor is. Together with your Financial Needs Analysis, the Risk Profile Analyser has been designed to assist advisers in guiding the client to the most appropriate risk rated investment. It can be used as a guide to determining the appropriate asset allocation for a client.

STANLIB Investment Proposal offers advisers professional support at the point of sale. The Investment Proposal has all the required features and can also be personalised for clients’ specific needs and circumstances. We have added a number of options that make this one of the most professional investment proposals available. For example, advisers have the option to include the risk versus return details of selected underlying funds and their top holdings and sector allocations.

Risk vs Return Calculator – Risk and return details can be difficult concepts to understand. Our Risk vs Return Calculator compares the various funds’ risk profiles and historic returns over one, three or five years. An investor’s total portfolio can also be plotted on the graph to show the risk vs return details.

Regulation 28 Calculator–Regulation28 applies to all formal retirement savings vehicles. In an investment that has a choice of underlying funds checking if the investment is compliant can be a complicated matter. STANLIB Linked Investments has developedtheRegulation28Calculatorthatshowshowcompliant a portfolio is. We also have the full details on Regulation28prescribedinvestmentlimits.

Income Drawdown Tool – An ideal tool for the Linked Life Annuity client, but also suitable for investors in the STANLIB Classic Investment Plan. The Income Drawdown Tool will show how long funds will last at a specified rate of drawdown, the gross income, and how these change with a change in drawdown rates.

Savings Calculator and the Retirement Savings Calculator – Calculators that show how much an investor needs to save for a particular goal or retirement.

Switch and Rebalance Tool with CGT Calculator – The easy-to-use tool assists advisers in preparing a switch or rebalance for clients and gives an estimate of the capital gain/loss that will be incurred in a Classic Investment Plan. Once finalised with the client, the adviser can print an automatically generated switch/rebalance form that contains all the instructions.

All these tools are available on our website – www.stanlib.com - together with our forms, brochures and updated regulatory information.

Client

Has financial need

STANLIB Linked Investments

Partnering with advisers to offer the best solution

Adviser

Solution

Need

Partnerswith

STANLIB,uses tools

Product + FundsTools

Competitive Price

Passionate about the role of advice

Disclaimer

As neither STANLIB Wealth Management Limited nor its representatives did a full needs analysis in respect of a particular investor, the investor understands that there may be limitations on the

appropriateness of any information in this document with regard to the investor’s unique objectives, fi nancial situation and particular needs. The information and content of this document are

intended to be for information purposes only and STANLIB does not guarantee the suitability or potential value of any information contained herein. STANLIB Wealth Management Limited does

not expressly or by implication propose that the products or services offered in this document are appropriate to the particular investment objectives or needs of any existing or prospective client.

Potential investors are advised to seek independent advice from an authorised fi nancial adviser in this regard.

STANLIBWealthManagementLimited(Reg.No.1996/005412/06)isanauthorisedFinancialServicesProviderintermsoftheFinancialAdvisoryandIntermediaryServicesAct37of2002

(LicenceNo.26/10/590)

ComplianceNumber:D78R40

17 Melrose Boulevard Melrose Arch 2196 PO Box 203 Melrose Arch 2076T 0860 123 003 (SA only) T +27 (0)11 448 6000 E contact@stanlib.com W stanlib.comGPS coordinates S 26.13487°, E 028.06837°