Pay-on-delivery investing

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1 Pay-on-deivery investing EVOLVE INVESTment range

2 1 EVOLVE INVESTMENT RANGE

3 EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before you have to buy the minera rights, or ony paying your ce phone bi if a your cas and SMSs go through without any oss of signa. In this word, you woud ony pay for an airine ticket once you and your uggage arrived safey and on time at your destination. What woud investing ook ike in this word? Your investment company woudn t make you pay upfront costs unti they had first worked hard to earn a heathy return for you. So, there woud be no initia deductions to pay your adviser s fees, nor woud you have to pay set-up costs. Most importanty, if your investment didn t perform in the first few years then you woud never have to pay for those upfront costs. Stop imagining. It s here! At Liberty we strive to earn great returns for you. We vaue the trust you pace in us and we re rewarding that trust with a promise: For exampe, if you invest in the Evove Investment Range and we do not earn you the Target Return in any of the first three years of your investment, then you wi never be charged for any of the upfront costs, incuding advice fees. The upfront costs are on us, and once your investment earns more than the Target Return you share in its growth with us. Whether you are investing a ump sum for a rainy day or saving for your retirement, sharing growth with Liberty means you ony pay to set up your investment once it has performed.

4 Capped Tracker Portfoio The Capped Tracker portfoio is an Evove Investment Range Portfoio. A portion of your money wi be invested in the Capped Tracker portfoio. The Capped Tracker portfoio gives you the return on the ALSI 40 (incuding dividends), up to the Target Return. Your investment in the Capped Tracker portfoio is a three-year commitment. After three years, your investment in the Capped Tracker portfoio is automaticay switched to the Top 40 Tracker and you wi have access to this money. Target Return When you invest in the Evove Investment Range you can choose to pace either 60% or 40% of your money in the Capped Tracker portfoio. How much of your investment is invested in the Capped Tracker portfoio determines your Target Return. The ess you choose to invest in the Capped Tracker, the ower your Target Return. A ower Target Return may see you sharing more of your growth on the ALSI 40 (incuding dividends) with Liberty. Target Return YOUR INVESTMENT 60% 40% YOUR CHOICE OF Portfoios The remaining portion of your money wi be invested in your choice of portfoios. Evove Investment Range portfoios Choose from our: Trackers Trackers are a ow-cost investment too, which aow you to track the return on the market exacty. Liberty offers equity, bond and cash trackers. We aso offer trackers to suit your risk profie. Managed soutions Liberty s professiona and experienced portfoio managers are here to hep you manage your investment goas through a range of individuay identified investments that best suit your investment needs. GateWay Investment Pan portfoios The GateWay offers you a way to invest your money into a wide range of externay managed portfoios. We give you the fexibiity to choose portfoios that best suit your investment needs and risk appetite in one pace. Easy access When ife happens, you can withdraw your money. No questions asked. Easy invest Once you ve set up your GateWay Investment Pan, investing more is as easy as paying the money to Liberty. You can aso set up a debit order, from as itte as R1 000 a month.

5 40% At annua growth in excess of 40%, Growth Sharing fas away for that year and a other excess returns are yours. GROWTH Once you exceed the Target Return, Liberty retains Capped Tracker growth. TARGET RETURN You wi receive annua growth in the first 3 years on your entire investment up to the Target Return. 0% Target Return 40% 60% Your investment choices in the Evove Investment Range work together. We ca it Growth Sharing: The growth on the Capped Tracker portfoio is yours up to the Target Return. Above the Target Return, Liberty retains the growth on the Capped Tracker portfoio. When 40% growth is reached, you again receive a growth. A the growth on your choice of portfoios is yours. 40% GROWTH 15% A growth on your choice of portfoios is yours. 0% For iustration purposes ony

6 5 EVOLVE INVESTMENT RANGE Scared of sharing too much of the growth on the ALSI 40 with Liberty? If the performance of the ALSI 40 (incuding dividends) exceeds 40% in a year, returns above 40% on the Capped Tracker portfoio are a yours. Hoping to recover from a drop in share prices? If, at the end of the first or second year of your investment, the ALSI 40 (incuding dividends) has faen by 30% (or more) from the start of your investment then a further Growth Sharing stops. Our guarantees are your peace of mind Our optiona guarantees keep your origina investment amount safe shoud markets go down. Whie you sti benefit from positive returns, you are protected against any oss over the guarantee period. At the end of the guarantee period you wi receive your origina investment (ess withdrawas and any ongoing fees paid to your adviser) pus the positive growth on your origina investment. A guarantee charge is evied for this additiona peace of mind. Now your choice is simpe You can aso et Liberty s Muti-Manager choose between Investment Managers for you and it won t be more expensive than making the choice yoursef. You can find out more about the portfoios avaiabe at

7 EVOLVE INVESTMENT RANGE 6 What do I have to pay for this? We beieve that charges and fees matter The Evove Investment Range takes no upfront deductions off your initia ump sum investment. We guarantee that at east 100% of your initia ump sum investment wi be invested at standard initia advice fees. Liberty aways pays the standard initia advice fee on your behaf and, if your adviser chooses to take ess than the standard initia advice fee, then the baance is yours. REWarding you for investing more As you invest more in your Evove Investment Range we give your investment an additiona boost: Your investment on day 1 You invest Standard initia advice fee* The initia advice fee boost from Liberty* Liberty then boosts your investment by Your Evove Investment Range Beow R1 miion 100% LESS 3.42% PLUS 3.42% 0% 100% Between R1 miion and R2.5 miion R2.5 miion and above 100% LESS 3.42% PLUS 3.42% PLUS 1% 101% 100% LESS 3.42% PLUS 3.42% PLUS 2% 102% * The standard initia advice fee and the initia advice fee boost is 2.85% on Retirement Annuities and 1.71% on Preservers. MaintenanCE charges Any investment comes with maintenance charges. There are three main types of charges: the patform charge, the portfoio charge and the ongoing advice fee. Each is evied as a percentage of your investment each year. PatFORM charge EVOve InvestMEnt Range portfoios GateWay InVEstment Pan portfoios The patform charge on Evove Investment Range portfoios is 0.3% a year. No VAT wi be evied on this charge. The patform charge on the GateWay Investment Pan portfoios is based on a the money invested in Evove and the GateWay portfoios. This means the more that s invested the ess you pay. Any amount in the money market portfoio wi count towards your tota assets but we wi not charge you a patform charge on these amounts Your Evove and GateWay assets Less than R1 miion Between R1 miion and R3 miion More than R3 miion The patform charge you pay (excuding VAT) 0.50% a year on a of your investment in the GateWay 0.35% a year on a of your investment in the GateWay 0.25% a year on a of your investment in the GateWay PortFOIO charge - A portfoio charge is evied by the Investment Company. Ongoing advice fee - You negotiate this fee with your financia adviser. The EVOVE InVEstMEnt Range is for you if: the EVOVE InVEstMEnt Range isn t for you if: You want to ensure a of your money performs from the start You want to avoid upfront costs You want optiona guarantees and competitive portfoios You beieve that you shoud ony pay when we deiver returns You don t want to risk the possibiity that returns on the Capped Tracker wi substantiay exceed the Target Return You don t want to run the risk of incurring a Growth Sharing deduction from your Capped Tracker for eaving within the first three years of your investment

8 7 EVOLVE INVESTMENT RANGE Name of ocation

9 EVOLVE INVESTMENT RANGE 8 When you invest in the Evove Investment Range, you have a choice of the foowing products: Evove Investment Pan Evove Retirement Annuity Evove Pension/ Provident Fund Preserver GateWay Investment Pan Pick the combination that suits your investment needs: CHOICE 1 Optiona Evove Investment Range Evove Investment Pan* OR Evove Retirement Annuity* OR Evove Pension/Provident Fund Preserver* GateWay Investment Pan GateWay Investment Pan GateWay Investment Pan * The Target Return wi vary from time to time and by product. At the time of going to print the Target Return is 14% or 9% per annum (depending on Capped Tracker seected) for retirement products and 13% or 8% per annum (depending on Capped Tracker seected) for investment products. The Target Return that is appicabe to your investment wi be refected on your investment proposa and once set wi not change.

10 9 EVOLVE INVESTMENT RANGE Evove Investment Pan How ong shoud I invest for? You shoud invest in the Capped Tracker portfoio for three years. How much do I need to invest? You have two options: A minimum ump sum of R on day 1 or, A minimum of R as a ump sum on day 1 with reguar contributions of no ess than R500 per month (with no minimum period the reguar contributions are required to be invested for). You can aso make once off additiona ump sum contributions of R or more. How often can I invest? You won t be abe to invest more than 1.2 times the arger of the tota investment made in either of the previous two years. Each additiona ump sum must aso be R or more. For exampe if your initia investment was R you woud ony be abe to invest an additiona R in the foowing year (1.2 times the origina amount) which woud make your tota ump sum invested R How can I take my money? You can take your money through a part withdrawa and one further fu withdrawa in the first five years (up to the egay aowed amount). If you take the money invested in the Capped Tracker portfoio in the first three years, a Growth Sharing Deduction appies. This deduction is the market vaue of the Growth Sharing we expect when you take your money. Can I use this investment as coatera? Yes you can. You are abe to use your whoe investment as coatera and give it to the person or institution as a financia commitment. Pease note that whoever becomes the coatera owner of the investment wi need to approve a future transactions. Can I transfer ownership of my investment? Yes, you can, however not during Growth Sharing. Absoute cessions are not aowed during Growth Sharing due to the potentia change in the Target Return Percentage and it may have tax consequences. What happens to my investment when I die? If you chose an Investment Pan with a death benefit, the investment wi pass directy to the nominated beneficiaries if the ast person nominated as an assured ife dies. Liberty guarantees that on the passing of the ast assured ife, your beneficiaries wi never receive ess than what was invested on day 1 (ess advances, withdrawas and advice fees after 5 years). If you chose an investment pan without a death benefit, the investment wi form part of your estate (if you are an individua and the owner). The executor of your estate wi determine what to do with the investment. The investment vaue wi be paid (ess any Growth Sharing Deduction). What tax do I need to pay? Liberty pays the tax for you if you are the origina owner. For individua investors and trusts with ony natura person beneficiaries: 30% on income + 10% on capita gains. For corporate and other trusts: 28% on income % on capita gains. This is based on the Income Tax Act and may be subject to change. Can I cance the investment? Yes, you can. Pease note that because of changes in the investment market, you may receive ess than what you invested on day 1. Depending on when you withdraw your investment, you may aso need to pay a Growth Sharing Deduction. Can I phase in my investment? No, you can t. Your upfront investment is invested in your choice of portfoios on day 1. What type of investor can invest in the Evove Investment Pan? Individuas Companies Trusts Non-taxabe institutions

11 EVOLVE INVESTMENT RANGE 10 Evove Retirement Annuity When you invest money with the Evove Retirement Annuity, you become a member of the Lifestye Retirement Annuity Fund, a registered and approved retirement annuity fund. Athough the Fund buys the Evove Retirement Annuity on your behaf and provides you with retirement benefits when you retire, you wi sti have the freedom to choose which portfoios you want the Fund to invest in for you. What is the minimum I can contribute? You have two options: A minimum ump sum of R on day 1 or, A minimum of R as a ump sum on day 1 with reguar contributions of no ess than R350 per month (with no minimum period the reguar contributions are required to be invested for). You can aso make a once off additiona ump sum contribution of R or more. How often can I contribute? You can contribute to your investment as often as you d ike. There are no imits to the amount you can invest as ong as they are above the minimums above. How can I take my money? When you retire: You may retire from the age of 55, or; Before age 55 if you can prove to the Trustees of the Fund that you suffer from i heath. You can aso take your money if you emigrate before age 55. If you retire or transfer within three years of taking this investment, then a Growth Sharing Deduction wi appy to your investment. What happens when I retire? You can choose to take up to one-third of your money as a ump sum. This wi be taxed. The remaining money must be used to buy an income for ife. To find out more speak to your adviser or broker about Liberty s annuity options. What happens to my money shoud I pass away? Your retirement benefits do not fa into your estate. The trustees of the Fund have a ega duty to ensure that your dependants receive a or a portion of your retirement benefit. Liberty guarantees that on your passing, the amount paid wi never be ess than what was invested on day 1 (ess any egisative withdrawas and ongoing advice fees). What tax is paid? The contributions you make may be tax deductibe. The income and capita gains are not taxabe. Dividend withhoding tax does not appy. This is based on the Income Tax Act and may be subject to change. Can I cance the investment? No, you can t. You can, however, transfer your retirement annuity to another registered retirement fund. If you decide to transfer your investment, you may receive ess than what you invested on day 1. This is due to changes in the investment market and a possibe Growth Sharing Deduction, depending on when you decide to transfer your investment. Can I phase in? No, you can t. Your upfront investment is invested in your choice of portfoios on day 1. Who can take out an Evove Retirement Annuity? Individuas Can I use my Evove Retirement Annuity as coatera? No, you can t. Can I transfer ownership? No, you can t. Shoud there be any discrepancies between the product rues and the Fund rues, the Fund rues wi appy.

12 11 EVOLVE INVESTMENT RANGE Evove Provident/Pension fund Preserver If you want to preserve the money you ve saved through your empoyer provident or pension fund when you eave your empoyer, you can transfer that money to the Lifestye Retirement Preserver Provident or Pension Pan. If you do, you wi become a member of that Fund. This transfer wi be done on a tax free basis. Athough the Fund buys the Evove Provident/Pension Fund Preserver on your behaf and aows you to preserve your retirement benefits, you wi sti have the freedom to choose the portfoios you want the Fund to invest in for you. What is the minimum I can contribute? You wi need at east R on day 1. How often can I contribute? You can invest more in the Fund Preserver as ong as the money comes from the same pension fund or provident fund. How can I take my money? When you retire: You may retire from the age of 55, or; Before age 55 if you can prove to the Trustees of the Fund that you suffer from i heath. You can aso take a or a portion as your one aowabe withdrawa before age 55 subject to tax. If you retire, withdraw or transfer within three years of taking this investment, then a Growth Sharing Deduction wi appy to your investment. What happens when I retire? Provident Fund Preserver: Currenty you can choose to take a of your money as a ump sum ess any tax or as an income for ife, or a combination of these two options. From March 2016, this wi change to be the same as the Pension Fund Preserver for any new investments made after this date. Any investments made prior to this date wi not be affected. Pension Fund Preserver: You can choose to take up to one-third of your money as a ump sum ess any tax. The remaining money must be used to provide you with an income for ife. Can I transfer ownership of my investment? No, you can t. What happens to my investment shoud I pass away? Your retirement benefits do not fa into your estate. The trustees of the Fund have a ega duty to ensure that your dependants receive a or a portion of the benefit. Liberty guarantees that on your passing, the amount paid wi never be ess than what was invested on day 1 (ess any egisative withdrawas and ongoing advice fees). What tax shoud be paid? There is no tax on transfer from your existing provident or pension fund to the Fund Preserver The income and capita gains are not taxabe. Dividend withhoding tax does not appy. This is based on the Income Tax Act and may be subject to change. Can I cance the investment? No, but you can take a or a portion of your one aowabe withdrawa before age 55, subject to the withdrawa tax tabes. You wi aso be abe transfer to another provider. If you decide to transfer your investment, you may receive ess than what you invested on day 1. This is due to changes in the investment market and a possibe Growth Sharing Deduction, depending on when you decide to transfer your investment. Can I phase in? No, you can t. Your upfront investment is invested in your choice of portfoios on day 1. Who can take out an Evove Provident/Pension Fund Preserver? Individuas Shoud there be any discrepancies between the product rues and the Fund rues, the Fund rues wi appy.

13 EVOLVE INVESTMENT RANGE 12 Gateway investment Pan How ong shoud I invest for? There is no minimum amount of time that you have to remain invested in this product. How much do I need to invest? You can set up a debit order for the GateWay Investment Pan or invest a ump sum. The minimum debit order is R1000 a month and an initia ump sum from as itte as R How often can I invest? You can invest as often as you d ike. There are no imits to the amount you can invest as ong as it is more than R1000 for additiona ump sums and reguar debit orders. How can I take my money? You can take your money at any time. Can I use this investment as coatera? Yes you can. You are abe to use your whoe investment as coatera and give it to the person or institution as a financia commitment. Pease note that whoever becomes the owner of the investment wi need to approve a future transactions. Can I transfer ownership of my investment? Yes, you can. This may have a tax consequence. What tax do I need to pay? You pay the tax yoursef. Every year, Liberty wi send you the reevant tax certificate one for income (IT3 b certificate), and one for capita gains (IT3 c certificate). We withhod dividend withhoding tax received from South African companies or foreign companies isted on the JSE. Can I cance the investment? Yes, you can. Pease note that because of changes in the investment market, you may receive ess than what you invested on day 1. Can I phase in my investment? Yes, you can choose to phase in your ump sum investments over a period of 3 to 12 months. If you do, we wi first invest your money in the STANLIB Money Market Fund before we invest it in your choice of portfoios. What type of investor can invest in the Gateway Investment Pan? Individuas Companies Trusts Non-taxabe institutions What happens to my investment when I die? The investment wi form part of your estate. The executor of your estate wi determine what to do with the investment. There is no minimum amount that wi be paid out.

14 13 EVOLVE INVESTMENT RANGE

15 notes EVOLVE INVESTMENT RANGE 14

16 15 EVOLVE INVESTMENT RANGE cross coours / Evove For more information pease contact your Liberty financia adviser or broker, contact our ca centre on or visit Information provided in this eafet is correct at time of going to print. (October 2014) Liberty Group Limited Registration number 57/02788/08 1 Ameshoff Street, Braamfontein PO Box 10499, Johannesburg 2000 Discaimer The information contained in this document does not constitute advice by Liberty. Any ega, technica or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractua terms or, where appicabe, any fund rues, the atter wi prevai. Past performance cannot be reied on as an indication of future performance. Investment performance wi depend on the growth in the underying assets, which wi be infuenced by infation eves in the economy and prevaiing market conditions. Any recommendations made must take into consideration your specific needs and unique circumstances. The Evove Investment Range set of products is underwritten by Liberty Group Limited, an authorised financia services provider (no. 2409) except the GateWay Investment Pan which is administered by Liberty Linked Investment Patform (Pty) Ltd, an authorised administrative financia services provider (no ) Liberty Group Ltd A rights reserved. Name of ocation

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