Minimum investment: R 250 000

Yield: Flat 11% yield per annum paid quarterly + 0,5% additional increase with every annual anniversary

Investment term: 5 years

Notice period afterlock-in term: two calendar month

Diversification factor: Investment is diversified over more than 10 companies in 10 differentsectors

Switch ability: The client has the option to pursue a revolutionary income to growth switch once in the lifetime of the investment

The boost: A boost of up to 6.49% vestsif invested in the growth option for 5 years. If the investment is withdrawn after year 4 the boost is up to 3.25%. If the investment is withdrawn after year 3 the boost is up to 1.62%. If the investment is withdrawn before 3 yearsthe boost will be forfeited. The boost is not a guarantee and is based on investment performance.

Penalties: 10% for the first year of the investment followed by 5% from year 2 till full maturity of the investment.

*No yields are payable from withdrawal instruction.

To offset the costs of the investment, a hurdle rate isset. Meaning that the product provider does not reach the set hurdle rate, no costs may be deducted from the investors' investment.

The Hurdle Rate is the yield allocated to the client. Any costs, admin fees, performance fees, and broker fees are paid from the yield received above the hurdle rate.

This ensures that the client is set as first priority and the fund performance needs to be driven by the investment managers to be able to offset any costs incurred on the investment