Contents

Overview 2

Where to find the Investment Proposals on STANLIB Online 3

Unit Trust Investment Proposal 4

Unit Trust Investment Proposal components explained 4

Steps to compile a Unit Trust Investment Proposal 4

Example of a Unit Trust Investment Proposal 6

Linked Investments Investment Proposal 8

Linked Investments Investment Proposal explained 8

Steps to compile a Linked Investments Investment Proposal 9

Example of a Linked Investments Investment Proposal 14

STANLIB Investment Proposal Guide

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Overview

Professional support at point of saleThe STANLIB Investment Proposal has been designed with your clients in mind. It uses graphical illustrations and easy to understand terminology to explain the investment and to disclose the various charges and conditions associated with the investment to your client.

Key features Ѕ Professional look – You can use it as a sales aid at point of sale

Ѕ You can customise the proposal for your client

ComponentsThere are two components to the Investment Proposal:

1. Proposal Summary – All essential information appears on the summary page of the proposal:

Ѕ Investment Summary – Disclosure of the initial investment amount minus upfront charges

Ѕ Allocation of net investment amount - Fund and asset allocation graphs

Ѕ Annual ongoing charges – Disclosure of ongoing charges, including fund charges, STANLIB platform charges, fund rebates and financial adviser servicing charges

Ѕ Linked Life Annuity disclosure – Disclosure of the annuity income details, charges and tax

2. Optional sections* – Value-add information you can use to customise the proposal:

Ѕ Introduction to STANLIB – A brief summary of STANLIB as well as our client service proposition

Ѕ Product Introduction – A brief description of the product selected in the proposal

Ѕ Client Details – You can include client details to personalise the proposal

Ѕ Client Risk Profile – Highlights and explains your client’s risk profile and the proposed asset allocation range

Ѕ Risk vs Return of the funds selected – Illustrates the risk vs return profile of the selected funds as well as the overall portfolio

Ѕ Investment Graphs: Top 10 Holdings and Sector Allocations – Illustrate the Top 10 share holdings as well as the sectors in which the overall portfolio is invested

Ѕ Fact Sheets – Download the fact sheets of the funds selected in the proposal

How it Works:

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Where to Find the Investment Proposals on STANLIB Online

Under the Tools and Calculators option

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Collective Investments (Unit Trusts) Investment Proposal

Products: Collective Investment Schemes

Unit Trust Investment Proposal components explained

Investment Summary

Initial Lump Sum Investment Amount The initial lump sum amount invested by your client before the deduction of any charges.

Financial Adviser Charges The initial charges (Including VAT) paid to you, the financial adviser, on the lump sum investment amount.

STANLIB Initial Charges STANLIB’s initial charges for administering the investment.

Net Investment Amount The initial lump sum amount after all initial charges. This is the amount that is allocated to the investment.

Initial Recurring Investment Amount The initial recurring amount invested by your client before the deduction of any charges.

Financial Adviser Charges The initial charges (Including VAT) paid to you, the financial adviser, on the recurring investment amount.

STANLIB Initial Charges STANLIB’s initial charges for administering the investment.

Net Investment Amount The initial recurring investment amount after all initial charges. This is the amount that is allocated to the investment.

Allocation of Net Investment Amount

Fund Allocation This graph highlights the selected funds as well as the percentage weighting per fund. Only the lump sum investment will reflect if there is a combination of lump sum and recurring investments.

Asset Allocation This graph highlights how the portfolio is split amongs various asset classes, i.e. equities, bonds, cash and property. It also indicates the split between domestic and foreign assets. Only the lump sum investment will reflect if there is a combination of lump sum and recurring investments.

Annual Ongoing Charges

Fund Percentage Indicates the allocation percentage.

Total Service Charge The total combined service charge for you, the financial adviser, and STANLIB.

Intermediary Service Charge Your ongoing charges.

STANLIB Service Charge STANLIB’s ongoing charges for administering the investment.

Explicit Fees New Fee type that goes with Initial Fees and Service Fees which allows you, the financial adviser, and your client to decide on the fee to be charged. The fee is charged by means of redemption of units on your client’s account.

Steps to Compile a Unit Trust Investment ProposalStep 1: Select the type of investment product as well as the client type and complete the identity/passport

or company number and client details.

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Step 2: Select the funds and the lump sum and/or recurring investment amounts. You can amend the fees in this step.

Step 3: The Investment Proposal summary page displays a summary of all selections made. Edit the necessary fields, save for later or submit to complete the process.

Step 4: You can now view the Investment Proposal, print or e-mail it.

Step 5: Once your client has accepted the Investment Proposal, the new business process can start.

Click toamend fees

Insert investmentamount

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Example of a Unit Trust Investment Proposal

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8

Linked Investments Investment Proposal

Products: Ѕ Classic Investment Plan

Ѕ Classic Linked Life Annuity Plan

Ѕ Classic Preservation Pension Plan

Ѕ Classic Preservation Provident Plan

Ѕ Classic Retirement Annuity Plan

Ѕ STANLIB Direct Unit Trust Linked Life Annuity Plan

Ѕ STANLIB Direct Unit Trust Preservation Pension Plan

Ѕ STANLIB Direct Unit Trust Preservation Provident Plan

Ѕ STANLIB Direct Unit Trust Retirement Annuity Fund

Linked Investments Investment Proposal explained

Investment Summary

Initial Investment Amount The initial lump sum/recurring amount invested by your client before the deduction of any charges.

Financial Adviser Charges The initial charges paid to you, the financial adviser.

Initial Charges STANLIB’s initial charges for administering the investment.

Net Investment Amount The initial lump sum/recurring amount after all initial charges. This is the amount that is allocated to the investment.

Allocation of Net Investment Amount

Fund Allocation This graph highlights the selected funds as well as the percentage weighting per fund. Only the lump sum investment will reflect if there is a combination of lump sum and recurring investments.

Asset Allocation This graph highlights how the portfolio is split amongst various asset classes, i.e. equities, bonds, cash and property. It also indicates the split between domestic and foreign assets. Only the lump sum investment will reflect if there is a combination of lump sum and recurring investments.

Annual Ongoing Charges on Lump Sum Investments

Fund Charges The charge by the Management Company (Manco) of the selected fund.

STANLIB Platform Charges STANLIB’s ongoing charges for administering the investment.

Fund Rebate The discount received from the Management Company (Manco) for investing in a particular fund.

Financial Adviser Charges Your ongoing charges.

Total The total percentage of annual ongoing charges.

Linked Annuity Disclosure/Withdrawal

Income Frequency Highlights the annuities/withdrawals from investments (Classic Investment Plan and Classic Linked Life Annuity).

Gross Annuity Income The amount requested before tax is deducted.

Tax The amount of tax in the annuity/withdrawal.

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Net Annuity Income The net annuity amount after charges and taxes.

Death Benefit Disclosure Highlights the charges for the Death Benefit available on the Classic Linked Life Annuity.

Optional Sections

Introduction to STANLIB A brief summary of STANLIB and our client service proposition.

Product Positioning A brief description of the product selected in the proposal.

Client Details Include client details to personalise the proposal.

Client Risk Profile Highlights your client’s risk profile as well as the proposed asset allocation ranges.

Risk vs Return of Portfolio The graph illustrates the historic risk vs return of the selected funds as well as the overall portfolio.

Top 10 Holdings The graph illustrates the Top 10 share holdings in which the overall portfolio is invested.

Sector Allocations The graph illustrates the sectors in which the overall portfolio is invested.

Signature Your client can sign as an acceptance of the proposal.

Regulation 28 Regulation limiting the exposure of risk in Retirement Products.

Model Portfolio A portfolio that consists of a number of underlying investments wrapped into a single portfolio.

Personal Share Portfolio A portfolio of directly owned securities such as equities, bonds and derivatives based on specific investment objectives and risk profiles.

Steps to compile a Linked Investments Investment ProposalStep 1: Select the type of investment product as well as the client type and complete the identity/passport

or company number and client details. At this point also select your client's risk profile.

Step 2: Select the plan details for your client, i.e. lump sum and/or recurring investment, upfront and service

charges as well as any other details pertaining to the selections made above.

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Step 3: Select the funds and percentage weighting to determine how much of the net investment will be invested in each fund.

You can view the Asset Alocation and Risk Profile by the clicking the respective tabs.

If the selected funds do not match your client's risk profile, a warning box will pop up. You (or your client) need to acknowledge that you are aware that the selected funds are not in line with the chosen risk profile. Please note the risk profile of the selected funds is based on STANLIB's Tactical Asset Allocation (TAA) calls.

The Lump Sum Risk Profileof the portfolio of the

combined portfolio

The Lump Sum AssetAllocation shows the asset

composition of thecombined portfolio

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For Retirement Products, i.e. Classic Retirement Annuity Fund, Classic Preservation Pension Plan and Classic Preservation Provident Plan, etc. check that the portfolio is Regulation 28 compliant by means of the Regulation 28 tab.

Step 4: Select to nominate a fund for withdrawal and or deduction of fees. If yes, select the fund/s.screen.

The Lump Sum Risk Reg 28 tabshows the Reg 28 of the

combined portfolio on the screen(only applicable to RA, PE and PP)

You can nominate a ModelPortfolio and/or fund for

fee deduction

Nominate a Model Portfolioand/or Fund

Nominate a fund withina Model Portfolio for

fee deduction

Nominate a fund from aModel Portfolio

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Step 5: Select from the options list the value adds you want to include in the proposal. If the Personal Details section is selected you need to complete these details first before you can proceed to the next screen.

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Step 6: The Investment Proposal Summary Page displays a summary of all selections made. Edit the required fields, save for later or submit to complete the process.

Step 7: You can now view the Investment Proposal, print or e-mail it.

Step 8: Once your client has accepted the Investment Proposal, the new business process can start.

Composition from selectedModel Portfolios and/or funds

Composition from selectedModel Portfolios

Portfolio

THE INVESTMENTPROPOSAL NUMBER

is generated as a referencenumber

Investment Proposal number

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Example of a Linked Investments Investment Proposal

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DisclaimerAs 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, financial 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 financial adviser in this regard.

STANLIB Wealth Management Limited (Reg. No. 1996/005412/06) is an authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (Licence No. 26/10/590)17 Melrose Boulevard Melrose Arch 2196PO Box 203 Melrose Arch 2076T 0860 123 003 (SA only)T +27 (0)11 448 6000E contact@stanlib.comW stanlib.comGPS coordinates S 26.13487°, E 028.06837°