Diversified Wealth Builder class B - Sanlam

1 Diversified Wealth Builder class B30 September 2022 fund objectiveThe fund aims to accumulate retirement capital through achieving long-term real returns. It provides manager diversification by allocating funds at least 80% to large and long standing fund managers. A small portion may be allocated to an emerging fund manager(s) for further diversification and potential for higher long term returns. The fund has a moderately aggressive fund risk profile and is managed in line with Regulation 28 of the Pension fund Act. Risk categoryPotential return %Potential risk %Conservative Cautious Moderate Moderately aggressive AggressiveFund informationFund manager Sanlam fund size billionLaunch date August 2013 Fee class launch date 27 March 2021 Asset management fee at benchmark fee NoRegulation 28 compliant YesInvestor profileThe investor s primary goal is capital growth.

2 The investor is prepared to tolerate greater fluctuations in short-term returns in anticipation of higher returns over the long term. They also seek Diversified exposure to various investment information contained in this document does not constitute advice by Sanlam . Whilst every attempt has been made to ensure the accuracy of the information contained herein, Sanlam cannot be held responsible for any errors that may occur. Sanlam does not guarantee that the investment fund will produce returns equal to the specified benchmarks. The benchmark is only a mark against which the success or skill of the underlying fund manager is evaluated. Past performance cannot be relied on as an indicator of future performance. Investment performance will depend on the growth in the underlying instruments, whose value may move up or down because of various factors including the financial market environment and exchange rate movements.

3 Your Sanlam plan performance will differ from the returns indicated in this document due to charges, fees, taxes as detailed in your plan contract. The overall impact of charges and fees in your plan is indicated by the Effective Annual Cost (EAC) measure, which is disclosed in your Sanlam product disclosureEffective asset allocationAnnualised returnsIndicative fund performance, after long-term performanceValue of R100 invested at inception, after illustrative purposes manager selectionFund% allocatedSIM balanced Gray balanced balanced Houseview balanced SA Multi-Asset High Equity MedianBenchmarkThe performance benchmark of the portfolio is the Alexander Forbes Large Manager Watch Median measured over a three-year months6 months1 year3 years5 years 9% % Equity Property Cash Fixed Interest Equity Bonds Cash Property number 694/277/325/923 Returns are annualised for periods equal to or longer than one Affluent.

4 Recurring investment costTotal investment cost as at 30 June expense ratio (TER) cost (TC) investment cost (TIC) = TER + TC The asset management fee at benchmark is included in the return of the fund is after the deduction of the TIC. It must therefore not be deducted again from published 10 share holdingsSecurities% of the American Tobacco Xstrata American Bank Group Group Group managerPaul WilsonBSC (Hons) Actuarial Mathematics (University of Pretoria), CFA Regulation 28 This fund is managed according to Regulation 28 of the Pension Funds Act. Regulation 28 limits the extent to which an approved retirement fund may be invested in particular kinds or categories of assets. The most important Regulation 28 asset class limits are as follows: Equity 75% Listed Property 25% Offshore Assets 45%* Hedge funds 10%*As prescribed by the South African Reserve information contained in this document does not constitute advice by Sanlam .

5 Whilst every attempt has been made to ensure the accuracy of the information contained herein, Sanlam cannot be held responsible for any errors that may occur. Sanlam does not guarantee that the investment fund will produce returns equal to the specified benchmarks. The benchmark is only a mark against which the success or skill of the underlying fund manager is evaluated. Past performance cannot be relied on as an indicator of future performance. Investment performance will depend on the growth in the underlying instruments, whose value may move up or down because of various factors including the financial market environment and exchange rate movements. Your Sanlam plan performance will differ from the returns indicated in this document due to charges, fees, taxes as detailed in your plan contract.

6 The overall impact of charges and fees in your plan is indicated by the Effective Annual Cost (EAC) measure, which is disclosed in your Sanlam product disclosureDiversified Wealth Builderclass B30 September 2022 Rolling 12-month returns since inceptionPerformance % illustrative purposes Affluent: Recurring SavingsSep-22