1. THIS IS AN OPTION FOR THE OPENING TITLE SLIDE Insurance Financial Planning Retirement Investments Wealth The Graduate Backpack 2015 Why focus on the Graduate?

2. The graduate segment is the fastest growing segment in South Africa with the number of graduates more than doubling from 1995 to 2011. Why a graduate focus? SILSS Distribution SupportGraduate Satellite Broadcast

3. To create a solution that will attract and retain the fast growing and profitable Graduate market. Objective SILSS Distribution SupportGraduate Satellite Broadcast

4. Graduate Qualification Criteria 3-year Degree4-year Diploma SILSS Distribution SupportGraduate Satellite Broadcast

5. What do we know about graduates? Concerned about their future Practical and rational about money 94% employment rate Low lapse rates Remain loyal clients for longer periods of time SILSS Distribution Support Involved in financial decision making Analyze rationally and take action Graduate Satellite Broadcast

6. Growth Market Employment 3,382,570 Tertiary 1,360,323 Non Professionals 1,015,005 Degree / Diploma 939,111 Post 76,893 Professionals 334,318 Degree / Diploma 245,493 Post 98,825 Not Tertiary 2,022,247 Size of the Graduate opportunity SILSS Distribution Support Graduate Opportunity Source: BMR 2014 Growth Market: R10k – R40k personal income p.m. Graduate Satellite Broadcast

7. Graduates Who are they, what are the key messages? SILSS Distribution SupportGraduate Satellite Broadcast Self- employed Employed With benefits Without benefits Young Graduate Established Graduate Income Protection Care for the family Retirement Needs

8. Graduate product offering SILSS Distribution SupportGraduate Satellite Broadcast Retirement Lump Sum Income Protection Cumulus Echo Retirement Annuity for Graduates (with a higher Echo Bonus percentage for Graduates) Sickness Benefit* (Unique) Temporary Disability Income Overhead Protection Extended Disability Income (Fixed Cease Age or Whole of Life) Additional Benefits Total and Permanent Disability Income Death Income Optional Rider Benefits Spouse Protector Child Protector Pre-retirement Impairment Income Sickness Benefit* (Unique) Temporary Disability Income Overhead Protection Extended Disability Income (Fixed Cease Age or Whole of Life) Additional Benefits Total and Permanent Disability Income Death Income Optional Rider Benefits Spouse Protector Child Protector Pre-retirement Impairment Income Death Disability Dread Disease Accidental Cover Death Disability Dread Disease Accidental Cover *Sickness Benefit cover available to selected occupations in Occupation Classes A, B or C Risk Needs

9. Sickness Benefit For the majority of our clients SILSS Distribution SupportGraduate Satellite Broadcast Rate Group Split

10. … are you a Graduate? Are we asking our clients the question? SILSS Distribution SupportGraduate Satellite Broadcast

11. thank you