Liberty Corporate Linde Viljoen Associates Harri Viljoen Executive

Liberty Corporate

Linde & Viljoen & Associates • • • Harri Viljoen Executive Financial Advisor B Com Hons Indus Psych CFP 23 Years experience in Insurance Industry

Liberty Corporate • • A leading provider of holistic employee benefits solutions Retirement Risk Investment Actuarial and Consultancy Administration

Liberty Holdings Strong balance sheet Established in 1958 Liberty Group Focus on sustainability A leading wealth management company Focus on environment Largest private sector spend on education in South Africa Financial Sector Charter “A” Rating >R 500 billion assets under management (incl. STANLIB) Around 3 million lives insured

Black Economic Empowerment

Liberty Corporate Executive team Seelan Gobalsamy Chief Executive Liberty Corporate Thabo Dloti CEO: Institutional

Liberty Corporate Executive team Kieran Godden Divisional Director: Consulting & Actuarial Linda Schroeder Divisional Director: Marketing & Client Services Kammy Sing Divisional Director: Operations Samantha Gajathar Head: Risk and Compliance Graham Thomas Head of Risk Solutions Wedaad Joseph Divisional Director: Operational Support

Liberty Corporate Executive team Andre van Heerden Chief Financial Officer Tiaan Kotze Head: Specialised Insurance Skheto Maluleke Head: Information Technology De Wet van der Spuy Divisional Director Product Latoya Mokotto HR Business Partner

Liberty Corporate • Staffing capability • Close to 800 dedicated staff members • Experienced Executive team • Experienced Operations team • Experience in managing retirement funds and risk benefits • • 8 700 retirement funds with associated risk benefits Administer R 30 billion in retirement savings 320 000 members (incl. Capital Alliance = 1 million members) Liberty & Capital Alliance book combined – largest risk book in SA

Client Support Centre • • • World class Client Support Centre 12 500 calls per month in 7 languages Fully accredited team 92% calls answered in 30 seconds 86% first call resolution rate with an average talk time of 3: 30 minutes • 87% ‘experience delight’ rating

Our industry awards speak for themselves. . . • Liberty Corporate – proud winner of the • following awards over the past 2 years • 5 PMR. africa awards both in the Diamond • and Golden Arrow categories! • Winner of the 2009 FIA Employee Benefits • - Product Supplier of the year Award 2009 – Relationship Quality – Service Quality – Product Quality • Voted 2 nd in the Sunday Times top brands • survey 2009

Some of our clients Young & Rubicam

Competitive advantage

Innovative reporting • Our new Electronic Member Benefit Statements

Value Added Services • We offer more than risk and retirement • solutions because we care. . • Our range of new Value Added Services include: • Emergency Ambulance Service • Trauma Counseling • Legal Advice • Emergency medical Info, Advice and referral Hotline • Value added services are free!! • Are available to business owners, fund members, their spouses and nominated beneficiaries (under the age of 21) • To make use of these, a client has to have a single Liberty Corporate risk or retirement fund product.

Scheme design

SEFA Provident Fund Benefits Employer Retirement contribution 13, 25%1 Life Assurance 6 x annual salary Cost 13, 25% 0. 95 Funeral R 10 000 R 7. 79 per member Dread Disease 1 x annual Salary 0. 38 Income Disability 75% (3 month waiting period) 0. 96 Spouses cover 1 x annual salary 0. 24 Management 0. 55

Free Cover Limits Limit Life Assurance R Dread Disease R. Income disability R 3 500 0000 700 000 20 666 p. m.

Retirement Tested Formula The basic needed contribution for successful retirement planning is the following; 15% investment of monthly salary every month for 40 years

The Cost of Waiting too long. . Person A R 1000 per month from age 18 to age 28 Person B R 1000 per month from age 28 to age 65 Question ? ? ? Who has the most money at retirement? ?

Questions