brand specifications.

brand specifications.

IPP the brand 2 IPP is vibrant, confident and forward looking - always in motion... the dove in flight logo symbolises financial freedom, investment growth and performance. The dove symbolises movement, peace and the Spirit of God. The colours blue, white, gold and red represent royalty, honesty, purity and integrity. The outstretched wings and tail signify a bright shining star in the sky - guiding your path as you advance into the 21st century.

IPP main logotype 01 spot colour reproduction ipp_01 3 White or paper colour 2955C 484C 457C

IPP main logotype 01 4-colour process reproduction ipp_01 4 White or paper colour C M Y K 100 43 0 34 C M Y K 0 87 83 30 C M Y K 0 18 100 30

IPP main logotype 02 single colour reproduction ipp_02 5 White or paper colour 2955C 30% Tint 2955C

IPP main logotype 03 black & white reproduction ipp_03 6 White or paper colour C M Y K 0 0 0 100 C M Y K 0 0 0 30

IPP correct usage guidelines 7 horizontal and vertical proportions must always be constrained when altering logo size. minimum reproduction size = 10 x 13.8mm clear space must always surround the logo.

IPP main logotype 04 + company name ipp_04 ipp_05 8

IPP main logotype 04 + tagline ipp_06 ipp_07 9

IPP dove symbol ipp_0 ipp_00 ipp_000 10

IPP colour specifications 11 spot colour reproduction 2955C 484C 457C 4-colour process reproduction C M Y K 100 43 0 34 C M Y K 0 87 83 30 C M Y K 0 18 100 30 single colour reproduction 2955C 30% Tint 2955C black & white reproduction C M Y K 0 0 0 100 C M Y K 0 0 0 30 web/video reproduction #2E5F8E R G B 46 95 142 #9D443D R G B 157 68 61 #B49C38 R G B 180156 56 complimentary brand colours 153C 4545C 453C 651C 583C Warm Gray 2C

IPP typography 12 Main Heading and Key Statement typeface: Galliard Book (lower case only with full stop added) abcdefghijklmnopqrstuvxyz plan for your family. Main Bodytext typeface: Humanst521 Book / Bold abcdefghijklmnopqrstuvxyz ABCDEFGHIJKLMNOPQRSTUVXYZ 1234567890!@#$%^&*()-_=+[{]};:,<.>/?`~ abcdefghijklmnopqrstuvxyz ABCDEFGHIJKLMNOPQRSTUVXYZ 1234567890!@#$%^&*()-_=+[{]};:,<.>/?`~ LIFETIME FINANCIAL SUCCESS Lorem ipsum, dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait

IPP brand and typography application example 13 lifetime financial success.

IPP brand and typography application example 14 lifetime financial success. All desire to be financially secure and successful and yet we know that there is no secret path or short-cut. To be successful in our financial and investment decisions, we need quality information, sound judgement, good timing and hard discipline. In this uncertain global economic environment and complex financial marketplace, obtaining quality information and making timely financial decisions can be difficult and time consuming. We need to work with professional advisors and specialists to plan for financial security and success. Through the proven process and systems of comprehensive financial planning, IPP can... Identify financial needs Define goals Develop plans and strategies Implement financial decisions Measure performance to produce reliable results the person who can help you achieve this is your IPP financial planning consultant.

IPP promotional display screen 15

IPP business stationery examples recommended letterheads (double sided) 16 Investment Protection Planning Suite 123 1st floor IPP Towers 123 Somewhere Street Someplace, Singapore 1234 PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email info@ippcm.com web www.ippcm.com Business Registration No. 00000000 lifetime financial success. lifetime financial success.

IPP business stationery examples recommended follow-on letterheads (1-sided) 17 lifetime financial success.

IPP business stationery examples business card with compliment slip (double sided) 18 kelvin wilkinson. CHIEF EXECUTIVE OFFICER mobile 123 456 7890 Investment Protection Planning Suite 123 1st floor IPP Towers 123 Somewhere Street Someplace, Singapore 1234 PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email k.wilkinson@ippcm.com web www.ippcm.com lifetime financial success. Investment Protection Planning Suite 123 1st floor IPP Towers 123 Somewhere Street Someplace, Singapore 1234 PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email info@ippcm.com web www.ippcm.com lifetime financial success. Business Registration No. 00000000 lifetime financial success.

IPP business stationery examples dle window envelope standard pocket business folder 19 Investment Protection Planning PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email info@ippcm.com web www.ippcm.com lifetime financial success. Investment Protection Planning Suite 123 1st floor IPP Towers 123 Somewhere Street Someplace, Singapore 1234 PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email info@ippcm.com web www.ippcm.com

IPP promotional newsletter 20 planning for financial success. IPPnews april 2005 issue 01 page 02 IPPnews april 2005 issue 01 page 04 IPPnews april 2005 issue 01 Here in Singapore, REITs only made their appearance as an investment class less than three years ago with the very first REIT, CapitaMall Trust, listing on the Singapore Exchange (SGX) in mid-2002. Since then, four other REITs have made their way onto the SGX with the most recent being the Suntec REIT at the end of 2004. Last year, the residential property market only eked out a 0.9% rise in prices after declining 2.0% in 2003 as measured by the Urban Redevelopment Authority s residential properties index. By contrast, other segments like industrial space performed better, with capital values rising 1.2% last year while their rental rates rose faster relative to residential properties. While residential property rentals barely rose at 0.2% last year, the performances of commercial segments like office and shop spaces were much better with 3.5% and 3.7% increases respectively. There are 3 critical questions that you need to ask in strategizing your teamplay... 1. Which player should I choose? 2. When should I field a particular player? 3. When should I call for a substitution? In choosing a player, you need both the qualitative and quantitative analyses. The statistics of the player such as field goals percentage, rebounds, blocks, 3-pointers etc. The attitude of the player counts too. A key thing to note about REITs is that they are mainly designed with exposure to the industrial, commercial or retail properties rather than the more volatile residential property segment. These segments generally offer the advantage of regular income streams in the form of rental payments from tenanted premises, which is in turn, transformed into regular dividend payments for holders of REITs. This is how REITs are able to harness the benefits of investing into these property segments by enabling investors to gain from rising rental rates as well as capital values. After all, a REIT works by securitising property assets and then distributing their recurrent income as payouts to unit-holders through tax-free dividends. In addition, any rise in capital values would also translate into higher prices of the REIT units. BETTER YIELDS ON REITS The current investment interest in REITs is quite compelling when comparing the yield they offer versus the paltry interest rates on bank deposits and other low-yielding riskfree instruments. For example, the most recent Suntec REIT was priced to yield a taxfree payout of 5.8% when it listed in Dec 2004 versus 12-month fixed deposit rates of less than 1% at commercial banks. Another valuation parameter often looked at in assessing the value of a REIT is its offered dividend yield versus investing in risk-free government bonds like the 10-year Singapore Government Securities (SGS). The 10-yr SGS currently trades at slightly under 3% compared to an average yield of 5% for listed REITs on the SGX, giving the latter a yield advantage of around 2%. According to global investment bank, UBS, in more developed markets like the US and Australia, REITs there trade at even narrower spreads of between 100 to 200 basis points (or 1% to 2%) above government bonds. So according to UBS, there is scope for REIT investors to enjoy more upside in prices (and the consequent decline in REIT yields) if the yield gap in Singapore can narrow to levels similar to the more developed markets. That s not to say that REITs haven t already done very well as an asset class. Their average return of the listed vehicles on the SGX last year was in excess of 30%, buoyed All you need to do is select your champion players, and find the best position for each of them such that they blend nicely. The point is, if you have done your analysis correctly, there should be no question as to whether your players selected are the current best in the market. Once you have your champion team in place, you need to decide what to do with them. When your players are not performing up to standard, you need to rethink your strategy. Yell for a timeout. Sit down, strategise and make sure all your players know what they are supposed to do. Substitute your players if the situation calls for it. There you have it, your winning team. The final whistle blows... the final score... Sydney Kings beat Perth Wildcats 94-88. Just in case you had to know. TAMMY TAN FAR Harvester Branch investment linked policies... protection & investment. Income protection planning and wealth accumulation planning are two most important aspects of financial planning. You might have heard some say buy term and invest the rest. This assumes that term insurance is the cheapest form of protection available for the person concerned, and that he is sufficiently investment savvy and reasonably disciplined in his investments. But are traditional term insurance policies really the cheapest form of protection? And do these term policies offer important riders like critical illness cover or waiver of premium upon diagnosis of critical illness. Are there alternatives? Even for the truly investment-savvy who choose to do their won investment, income protection is still very important, and this boils down to term policies, traditional whole life policies or investment-linked policies (ILPs). by a strengthening economy and the rise in property and rental values. But after such a banner year, investors should not expect repeat performances as a matter of course. Singapore REITs are mostly trading at sizeable premiums to their net asset values of between 20 to 50%. UNIT TRUSTS & REITS So while there may be conflicting views on current REIT valuations, investors should tread with caution and look into diversified funds investing in REITs with more upside potential. Hence, the recent flurry of announcements by fund managers of around four unit trusts scheduled for launch over the first half of this year. As First State chief executive Lindsay Mann told The Business Times in a recent interview in January: Over the last few years, property securities have emerged as a distinct asset class worthy of consideration among investors looking for stability. That has resulted in a re-rating of those securities. But that doesn t take away the long-term case for REITs as an asset class. Singapore investors are mostly invested in their own property or a Singapore REIT. What we re doing is providing an opportunity to get exposure to a global asset class. Based on information already released to the public, the new funds will span offerings from fund houses like First State Investments, SG Asset Management, UOB Asset Management and Henderson Global Investors. The dividend yields of these funds are expected to start from 4% versus yields of under 5% to the 5.5% level for REITs listed on the SGX. Offered yields may be slightly lower, but investors need to bear in mind that these funds will be quite certainly be highly diversified in a wide array of REITs located in different geographies and risk environments. They would be less volatile with respect to changes in the economic cycle than investing in a Singapore-based REIT and therefore carry a lower yield in exchange for lower risk. LOH CHEN YI Financial Adviser Representative K2 HOW DOES ONE CALCULATE THE COST OF PROTECTION? Let s take a look at some examples... Take the case of a 40-year old male (non-smoker) looking for a $1 million sum assured (death and total permanent disability protection) for the next 20 years with an annual protection/savings/ investment budget of say $6,500. A check with one of the established insurance companies show the annual premium for term insurance to be $2,964 for $1 million cover. And since term insurance plans do not accumulate cash value, his annual protection cost is simply $2,964. Now using an ILP from another established insurance company as an example, the required insurance premium for the $1 million cover is $6,500 per annum. Using the standard 5% to 9% return used in most ILP benefit illustrations, and looking at the projected accumulated value of units at the end of the 20th year, they read $78,044 (at 5%) and $134,024 (at 9%). In ILPs, the premiums are invested into funds chosen by the policy holder. Some units are deducted by the policy holder. Some units are deducted for protection, leaving the balance to accumulate. If the funds do well, the cash value will accumulate quicker. If he buys term, he he will have $3,536 per annum ($6,500 less $2964) to invest. He can now invest this money to help it grow at a decent rate of return. If he invests in higher return instruments such as shares, he s probably got to put up with higher risks/volatility, and viceversa. If he puts them in collective investments, eg unit trusts, he can expect returns similar to ILP funds (subject to the performance of the individual funds and fund managers)/ If you then take the total premium paid into the ILP over 20 years less the accumulated value of units, the cost of protection would be $2,598 a year if the ILP funds grow at 5%, and actually a gain of $201 per year if the funds grow at 9% - imagine having free $1 million cover over 20 years and still gain $201 per year! inside IPPnews this month... PLAYING BASKETBALL WITH YOUR INVESTMENT Insert brief description here. INVESTMENT LINKED POLICIES Insert brief description here. REITS AND PROPERTY INVESTMENT Insert brief description here. Investment Protection Planning Suite 123 1st floor IPP Towers 123 Somewhere Street Someplace, Singapore 1234 PO Box 1234 Someplace, Singapore 1234 telephone 6 123 4567 fax 6 123 4567 email info@ippcm.com web www.ippcm.com ILPs generally tend to offer much greater flexibility as well, eg the flexibility to adjust sum assured, premium holidays without going into APL (automatic premium loans which tend to be expensive), dollar-costaveraging, fund switching, etc. Albeit the annual premium may be higher than that of a simple term insurance plan, the protection cost-per year is somewhat lower with ILPs. One last plus with a ILP over term plan is that, in the event the policy holder tails to renew the term plan, the cover would lapse while with an ILP, the protection can still be in force (provided the plan has already accumulated sufficient units to fund the protection charges). In conclusion, the disciplined investor may still do very well with the buy term invest the rest strategy, remembering to faithfully renew the term insurance each year, and staying invested with the rest of the money. But for those who would like to have a plan that offers really cheap protection, flexibility, continued coverage in case the plan is not renewed promptly, and also to avail themselves to some investment opportunities (albeit limited), ILP would be the way to go. Talk with an independentlyowned licensed financial adviser who is able to offer good neutral advice in selecting a plan that best meets your individual protection and investment needs. FREDDIE KANG Financial Services Manager Synergy Producers Group reits and property investment. what does a basketball game have to do with financial planning?. And there I was, sitting in the front corner block of the Singapore Indoor Stadium. I had never watched a national championship basketball game live before so I was pretty excited about it all. The run-up to the game was slow, as the master of ceremony tried to get the ambivalent majority of the spectators cheering for no good reason. The atmosphere heated up slowly but surely as the game got underway. But I digress. My article should be about INVESTMENT PLANNING. So why am I bringing in a basketball game?... The more I got caught up in the game, the more I realized how much it was akin to one s investments. After all, we are the coaches of our investment portfolios, or at least, most people try to be. What is one of the most important criteria in the selection of your portfolio? The players, no less. After years of enjoying a huge run-up in property prices, the financial crisis that swept Asia in the late 1990s dealt a heavy blow to the fervour of many Singaporeans towards investing in bricks and mortar real estate like condominiums and landed properties. Since then, property prices have recovered in a rather erratic fashion, punctuated by a subsequent recession that engulfed the country in 2001. In fact, Singapore could be described as rather of a laggard in Asia where property price rises are concerned since the Asian financial crisis ended. The Singapore government s decision to engineer a major revamp of the Central Provident Fund scheme in 2003 with a cut in the employers contribution rate as well as phased reductions of the monthly salary ceiling for CPF contributions has also not helped matters. So where should investors look to where the property market is concerned in Singapore? ENTER REITS Well, there is one relatively new property asset that entered the investment scene not so long ago. Enter the Real Estate Investment Trust (REIT). This investment vehicle has helped to re-focus investors attention away from the residential property segment onto neglected segments like industrial, commercial and retail properties. A look at some statistics may help investors to understand why these other segments merit their attention. the financial adviser. The Perth Wildcats take on the Sydney Kings at the Singapore Indoor Stadium tonight in the NBL s historymaking first foray into the lucrative Asian market. THE AUSTRALIAN 28 January 2005 IPPnews april 2005 issue 01 page 03 So how many of us coaches actually take time to carefully screen, test and select our players? The game begins way before the first whistle blows. It begins when you start strategizing how your game should be played. Play your strategies wrongly, pick the wrong players or the wrong mix and you ve lost your game even before you ve begun. When this happens, sit down and pray really hard because it would usually take nothing less than a miracle to win the game. The dribbling of the ball... the movement of the stock market... similar? Up and down, up and down, often volatile. A player takes aim, shoots and...misses. Sometimes he scores. Sometimes he doesn t. Most unpredictable. Is that what your investments are like? You pick a player with a high scoring average and chances are, he ll score when he shoots. Wait, I hear you thinking, past performance does not equal future performance. True, but which is better, taking time to choose a player with a high scoring average who would give a higher probability of excellent returns or choosing a player who looks really good when he plays but often misses the shot? No, no, this guy really looks like he s got potential! Let s place our money on him! He misses again and again. You ve lost money investing in the guy. I m sure he ll do better in the next game and I will definitely recoup my losses from the previous games. Does the phrase wishful thinking come to mind? Why take huge chances where your hard-earned money is concerned?

IPP corporate brochure 21 Founded in 1983, Investment Protection Planning (IPP) is Singapore s most complete licensed financial planning advisory organization. As a pioneer in comprehensive financial planning, we have built a solid reputation in the region for our investment, protection and planning services. IPP is simply committed to providing lifetime comprehensive financial planning advice and services to individuals and corporations. Because we have been around long enough, we know what your expectations are... so we just get on with it... no hype, no fuss, no problem. That s what you expect... and get from us. Since we are totally independent and not owned by any financial institutions, we can source and recommend to you the best quality and cost effective financial services and products from fund managers, banks, insurers and other financial institutions. Our focus is crystal clear... To provide you with choices and to help you make well informed decisions that we ourselves believe in. the right people, the right advice. no strings attached. our strengths. Every IPP Financial Adviser is a licensed representative as required by the Monetary Authority of Singapore. They are expected to attain a high level of competency, professionalism and excellence in practice standards and in the financial planning process. IPP is committed to high ethical standards and professionalism in client service and relationship. We believe in always putting the interests of our clients before our own. IPP works closely with other top professionals in accounting, tax, legal, investments, fund management, insurance and estate planning. We are committed to continuing innovation and upgrading of professional practice standards so that your expectations can be met, always. old fashioned values for a brand new world. 06 IPP LIFETIME FINANCIAL SUCCESS IPP LIFETIME FINANCIAL SUCCESS 07

IPP corporate clothing application Mens Business Shirt 22

IPP corporate clothing application Mens Tee Shirt 23

IPP corporate clothing application Mens Baseball Cap 24 2005 IPP Financial Advisers Pte Ltd.