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					 olD MuTual
 SuperFunD
          Super     governance
          Super     value
          Super     Service
          Super     eaSy




offer your employees comprehensive
retirement and risk benefits – no matter
what size your business or how diverse
your and your employees’ needs are.
 The TruTh
              It’s a sad fact that while most people look forward to
              retirement as a time to live life the way they choose, the
              vast majority are not saving enough to enjoy the lifestyle

     abouT    they dream of when they retire.



reTireMenT
              it’s likely that some of those people are
              your employees.

              You can help them by providing a retirement and risk
              benefit solution to grow their wealth and protect them
              financially in case of death and disability, in a way that
              will still allow you to concentrate on the management of
              your company.

              Old Mutual SuperFund is that solution.




More abouT    Stricter legislation, increased governance requirements
              and greater accountability for investment performance
              has resulted in a shift towards multi-employer funds

     MulTi-   (also known as Umbrella Funds), such as those offered
              by Old Mutual SuperFund. With these funds, employers
              can offer employees a range of retirement and risk

  eMployer    benefits, without the time-consuming effort of running
              the arrangement themselves.


     FunDS
olD MuTual                                           Enjoy all these benefits when you choose any of the
                                                     retirement fund arrangements within old Mutual


SuperFunD
                                                     SuperFund:

                                                     Super governance
 All businesses, regardless of size, can now offer   Old Mutual SuperFund is managed according to the highest
     their employees big, company-style benefits     standards of good governance. A board of highly qualified and
              with Old Mutual SuperFund suite of     skilled Trustees make sure that you can focus on your core
                        multi-employer solutions.    business and your employees can feel secure, knowing their
                                                     money is in safe hands.


                                                     Super value
                                                     Every rand of unnecessary cost erodes the retirement savings of
                                                     your employees. At Old Mutual we use our size and efficiencies
                                                     to operate at the lowest possible cost. We pass these savings on
                                                     to you in the form of lower fees – this means your employees get
                                                     more out when they leave the Fund. There are no hidden costs
                                                     and you only pay for what you use.


                                                     Super service
                                                     No matter where you are in South Africa, you have access to
                                                     Old Mutual’s expertise. Whether you are a broker, intermediary,
                                                     business owner or member – our services are within easy reach.
                                                     Our experts are there to help you make the right choices and
                                                     guide you through every step.


                                                     Super easy
                                                     Old Mutual SuperFund solutions are easy to access, easy to use,
                                                     and easy to understand. It’s easy to choose a solution that will
                                                     meet the needs of your particular business… and easy to change
                                                     that solution if your requirements change.
The SoluTionS oFFereD unDer olD MuTual
SuperFunD enable you To -

    Get on with running your company, knowing that your
    employees’ benefits are managed by a Board of Trustees and
    administered by Old Mutual, in accordance with all relevant
    legislation.

    Enjoy complete financial control – all fees and charges are
    completely transparent and there are no hidden costs.

    Offer your employees competitive, affordable (and where
    required, flexible) employee benefits – and so create a more
    satisfied, loyal and productive workforce.




WanT To knoW More?
For more information or advice, contact your
Corporate Consultant, Financial Adviser or your
Broker, or call the Service Centre at 0860 20 30 40.


 region           intermediaries   Direct clients
 Johannesburg     011 217 1249     011 217 1537
 Pretoria         012 360 0001     012 360 0000
 Western Cape     021 530 9604     021 509 1098
 KwaZulu–Natal    031 275 0800     031 275 0800
 Eastern Cape     041 391 6300     041 391 6300


visit our website: www.oldmutual.co.za/superfund
PRODUCT
OVERVIEW




    OLD MUTUAL SUPERFUND
    Product Overview
    Whatever the size and nature of your business, Old Mutual
    SuperFund has a solution to meet your employee benefit needs.

    With its highest standards of good governance and a board of
    highly qualified and skilled Trustees, Old Mutual SuperFund
    offers you the peace of mind to focus on your core business, and
    your employees can feel secure knowing that their retirement
    benefits are in safe hands.
Old Mutual SuperFund offers the following multi-employer, defined
contribution arrangements:
  Name
                                 EaSy                                        OriON                                         EvErgrEEN
                                 BENEFit PlaN
                      The easy and affordable way to              The comprehensive retirement and              The retirement solution that offers
                      help your employees save for                risk benefit solution that suits your         choice to meet the diverse needs of
                      retirement                                  business                                      your business and employees

  Description in      Entry-level retirement /                    Mid-range, established retirement /           Advanced retirement / risk benefits
  short               risk benefits solution                      risk benefits solution                        solution
                      Pre-determined                                  Several benefit and contribution             Optimal benefit range
                          Fund benefits                               rate options                                 Vast choice for both employer and
                          Contribution rates                          Flexible risk benefits                       member
                          Expenses                                                                                 Member education

  generally           Small/start-up business wanting             Small/medium business looking                 Medium/large business looking for
  suited to           maximum simplicity and cost-                for slightly more choice, but still           more choice and flexibility, both for
                      effectiveness                               requiring simplicity and cost-                the business and the employee
                                                                  effectiveness
                      Monthly salary R5 000 to R15 000:                                                         Monthly salary more than R15 000:
                      5 to 15 employees                           Monthly salary more than R15 000:             More than 50 employees
                                                                  Less than 50 employees
                      Monthly salary less than R5 000:                                                          Monthly salary R5 000 to R15 000:
                      5 to 50 employees                           Monthly salary R5 000 to R15 000:             More than 100 employees
                                                                  15 to 100 employees
                                                                                                                Smaller companies with high
                                                                  Monthly salary less than R5 000:              earning employees
                                                                  More than 50 employees

  Choice around       No employer choice                          Employer choice                               Employer choice
  product                Provident Fund only                        Pension or Provident Fund                     Pension or Provident Fund
  structure              Trustees choose the investment             Investment options Smoothed                   Investment options
                         portfolio                                  Bonus Portfolio and Symmetry                  Insured death and disability
                         Pre-defined death and                      Multi-Manager                                 benefits
                         disability benefits                        Insured death and disability                Member choice
                                                                    benefits                                      3 structures and associated
                                                                                                                  options/costs

  insurance of        Tied – Old Mutual insures all risk          Tied – Clients must reassure                  Untied – any insurer can be used
  Risk Benefits       benefits                                    approved risk benefits with
                                                                  Old Mutual

  Pricing                Percentage of salary                        Rand per participating employer                Rand per participating employer
  Structure              Rand per member per month                   per month, and                                 per month, and
                                                                     Rand per member per month                      Rand per member per month
                                                                     (converted to and charged as                   according to option chosen
                                                                     percentage of salary)

  Member              Requires no member decision-                Requires minimal member decision-             Requires low to high member
  involvement         making                                      making                                        decision-making, depending on
                                                                                                                option chosen

  Service             Service relationship with employer          Established service relationships             High level of member servicing
                                                                  with intermediaries




                                      PROTEKTOR PRESERVATION FUND
                                      Preserving retirement savings beyond employment

   Protektor Preservation Fund is an easy to use low cost solution, designed to help employees preserve their retirement savings -
   regardless of where they are employed - to ensure that their retirement planning remains on track.
                                                                                                                                                                 omms 07.2011 T2692




   An added advantage is that Old Mutual will not levy any upfront administration fees for existing Old Mutual clients transferring to
   Protektor, meaning more value for you.


Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration
no: 1999/004643/06. Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial
Advisory and Intermediary Services Act, 2002, to furnish advice and render intermediary services with regard to long term insurance and pension fund benefits,
as well as providing intermediary services as a discretionary investment manager. Please note that this licence does not cover the marketing of this product
by persons other than Old Mutual and its staff. Every effort has been made to ensure that this document and the products referred to, meet the statutory and
regulatory requirements, pertaining to the manner and format in which information regarding financial products is presented. However, should you become
aware of any breach of such statutory and regulatory requirements, please address the matter in writing to: The Compliance Officer, Old Mutual Corporate,
PO Box 728, Cape Town 8000, South Africa.
EASY BENEFIT PLAN




OLD MUTUAL SUPERFUND
Easy Benefit Plan
The easy and affordable way to help your employees
save for retirement



OVERVIEW

Easy Benefit Plan is an easy to use comprehensive package of
retirement and risk benefits solutions. There are no complex
choices, no medical tests and no lengthy tender processes.

Retirement savings are invested in Old Mutual’s market-leading
Absolute Stable Growth Portfolio and included in this easy to use
package are group life assurance, disability and family funeral
benefits.

Easy Benefit Plan is ideally suited to smaller businesses that
are implementing employee benefits for the first time.
EASY BENEFIT PLAN IS PART OF OLD MUTUAL SUPERFUND RANGE OF
SOLUTIONS. THAT MEANS YOU AUTOMATICALLY ENJOY:


SUPER GOVERNANCE                                                   IN ADDITION, EASY BENEFIT PLAN OFFERS:
Old Mutual SuperFund is managed according to the highest           SIMPLICITY
standards of good governance. A board of highly qualified and      With the Easy Benefit Plan, you don’t have to make any decisions
skilled Trustees makes sure that you can focus on your core        about structuring your employees’ benefits – an optimal
business and your employees can feel secure, knowing their         contribution and benefit structure has already been developed
money is in safe hands.                                            for you by the experts.

SUPER VALUE                                                        TRANSPARENCY
Every Rand of unnecessary cost erodes the retirement savings of    Easy Benefit Plan has a predetermined fee structure, so there are
your employees. At Old Mutual we use our size and efficiencies     no surprises - what you see is what you get.
to operate at the lowest possible cost. We pass these savings on
to you in the form of lower fees – this means your employees get   MAXIMUM COST-EFFECTIVENESS
more out when they leave the Fund. There are no hidden costs       An advantage of the predetermined structure is that this is the
and you only pay for what you use.                                 most inexpensive solution within Old Mutual SuperFund range of
                                                                   offerings.
SUPER SERVICE
No matter where you are in South Africa, you have access to        ADDITIONAL RESOURCES
Old Mutual’s expertise. Whether you are a broker, intermediary,    You also get free access to Old Mutual’s “IR online” web-based
business owner or member – our services are within easy reach.     resource, a comprehensive labour law/industrial relations service
Our experts are there to help you make the right choices and       specifically aimed at small businesses.
guide you through every step.
                                                                   STRUCTURING YOUR SOLUTION
SUPER EASY                                                         Easy Benefit Plan offers:
Old Mutual SuperFund solutions are easy to access, easy to use,         A defined contribution structure
and easy to understand. It’s easy to choose a solution that will        One retirement savings vehicle
meet the needs of your particular business… and easy to change          Various risk benefits
that solution if your requirements change.                              A balanced investment strategy




CONTRIBUTION STRUCTURE
CORE COVER (compulsory)

  Employer-paid              5.2% of retirement                                Employer-paid               Employer and/or
  retirement
  savings
                             funding income
                             (less R20 per member           PLUS               retirement
                                                                               savings
                                                                                                           employee decides on
                                                                                                           amount of voluntary
                             for admin costs)                                                              contributions, if any.


  Employer-paid insurance                                                       2.5% of retirement funding income
  Employer-paid scheme expense fee                                              0.8% of retirement funding income
RETIREMENT SAVINGS VEHICLE
Members of the Easy Benefit Plan participate in a registered provident fund within Old Mutual SuperFund.


RISK BENEFITS
Risk benefits offered by Easy Benefit Plan include a temporary disability income benefit, death and
disability insurance and family funeral benefits underwritten by Old Mutual.


INVESTMENT STRATEGY
Retirement savings are invested in Old Mutual’s Absolute Stable Growth Portfolio.
Old Mutual continues to manage this portfolio within their long-term aims, to deliver returns in excess of
inflation, while significantly reducing short-term volatility by smoothing the returns earned over time.
FIND OUT MORE ABOUT EASY BENEFIT PLAN FROM OLD MUTUAL SUPERFUND

Obtain all the information you need on Easy Benefit Plan by calling Old Mutual SuperFund Service Centre at
0860 20 30 40 or visiting www.oldmutual.co.za/easybenefitplan




Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration no: 1999/004643/06.
Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial Advisory and Intermediary Services Act,
2002, to furnish advice and render intermediary services with regard to long term insurance and pension fund benefits, as well as providing intermediary services as a discretionary
investment manager. Please note that this licence does not cover the marketing of this product by persons other than Old Mutual and its staff. Every effort has been made
to ensure that this document and the products referred to, meet the statutory and regulatory requirements, pertaining to the manner and format in which information
regarding financial products is presented. However, should you become aware of any breach ofsuch statutoryand regulatory requirements, please address the matter in writing to:
                                                                                                                                                                                       omms 07.2011 T2692




The Compliance Officer, Old Mutual Corporate, PO Box 728, Cape Town 8000, South Africa.
ORION




OLD MUTUAL SUPERFUND
Orion
The comprehensive retirement and risk benefit solution

that suits your business

OVERVIEW

Orion is South Africa’s top employee benefit solution for small and medium
businesses. It offers clients exceptional value, thanks to Old Mutual’s scale
and experience. Orion is renowned for its simplicity and Old Mutual’s large
support footprint. Orion has stood the test of time and was the first umbrella
fund product in South Africa.

Orion offers a wide range of choices to meet the needs of employers. Retirement
savings are either invested in Old Mutual’s market-leading Absolute Stable
Growth Portfolio that has never experienced negative returns, despite the
recent market crash or one of the Symmetry multi-managed portfolios that
include an Islamic option. Insured benefits can be tailor made from a range of
group life, disability and funeral benefit options.

Orion is ideally suited to a small and medium sized business looking for a
simple and cost-effective solution that is tailor made to their needs.
ORION IS PART OF OLD MUTUAL SUPERFUND RANGE OF SOLUTIONS.
THAT MEANS YOU AUTOMATICALLY ENJOY:


SUPER GOVERNANCE                                                   IN ADDITION, ORION OFFERS:
Old Mutual SuperFund is managed according to the highest           CHOICE
standards of good governance. A board of highly qualified and      Understanding that members’ needs differ when it comes to
skilled Trustees makes sure that you can focus on your core        retirement, a feature of Orion is the choice offered to the
business and your employees can feel secure, knowing their         participating employer and employee. Employers can choose from
money is in safe hands.                                            a range of risk benefits to suit the unique requirements of their
                                                                   workforce, as well as choose from various investment portfolios.
SUPER VALUE
Every Rand of unnecessary cost erodes the retirement savings of    TRACK RECORD
your employees. At Old Mutual we use our size and efficiencies     Orion was the first multi-employer retirement fund arrangement
to operate at the lowest possible cost. We pass these savings on   in South Africa. Since its establishment in 1985, it has become
to you in the form of lower fees – this means your employees get   a recognised market leader in the field of multi-employer fund
more out when they leave the Fund. There are no hidden costs       arrangements for South African companies and their employees.
and you only pay for what you use.
                                                                   STRUCTURING YOUR SOLUTION
SUPER SERVICE                                                      Orion offers:
No matter where you are in South Africa, you have access to             Two savings types
Old Mutual’s expertise. Whether you are a broker, intermediary,         Flexible benefit design
business owner or member – our services are within easy reach.          A limited range of investment portfolios
Our experts are there to help you make the right choices and
guide you through every step.                                      RETIREMENT SAVINGS
                                                                   There are two Old Mutual SuperFund Retirement Funds available
SUPER EASY                                                         under Orion – a registered pension fund and a registered
Old Mutual SuperFund solutions are easy to access, easy to use,    provident fund.
and easy to understand. It’s easy to choose a solution that will
meet the needs of your particular business… and easy to change     FLEXIBLE RISK BENEFIT DESIGN
that solution if your requirements change.                         Risk benefits can be structured by the employer to include, for
                                                                   example, Death Benefits (group life cover, accident cover and
                                                                   family funeral benefits) and Disability Benefits (Lump Sum and
                                                                   Disability Income benefits).
A RANGE OF INVESTMENT OPTIONS
Orion recognises that people have different investment needs and therefore offers its clients
access to the following investment portfolios:



 Smoothed Bonus Portfolio
            Absolute Stable Growth Portfolio

 Market Linked Portfolio
            The   SYmmETRY Aggressive Fund
            The   SYmmETRY Balanced Fund
            The   SYmmETRY Conservative Fund
            The   SYmmETRY Islamic Fund
FIND OUT MORE ABOUT ORION FROM OLD MUTUAL SUPERFUND

Obtain all the information you need on Orion by calling Old Mutual SuperFund
Service Centre at 0860 20 30 40 or visiting www.oldmutual.co.za/orion




Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration no: 1999/004643/06. Old
Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial Advisory and Intermediary Services Act, 2002, to
furnish advice and render intermediary services with regard to long term insurance and pension fund benefits, as well as providing intermediary services as a discretionary investment
manager. Please note that this licence does not cover the marketing of this product by persons other than Old Mutual and its staff. Every effort has been made to ensure that
this document and the products referred to, meet the statutory and regulatory requirements, pertaining to the manner and format in which information regarding
                                                                                                                                                                                         omms 07.2011 T2692




financial products is presented. However, should you become aware of any breach of such statutory and regulatory requirements, please address the matter in writing to:
The Compliance Officer, Old Mutual Corporate, PO Box 728, Cape Town 8000, South Africa.
everGreeN




OLD MUTUAL SUPerFUND
evergreen
The retirement solution that offers choice to meet the
diverse needs of your business and employees


Overview

Designed for larger and more sophisticated companies
that want to offer their employees investment choice in
their retirement funds, evergreen offers a broad range of
features, including built-in education. evergreen has led the
market in governance and introducing pay-for-what-you-
use charging.

evergreen offers an extended range of options to cater for
the largest and most demanding employers. retirement
savings are either invested in a broad range of investment
options from different managers and insured benefits can
be sourced from any approved insurer.

Evergreen is ideally suited to an employer who requires
more choice and flexibility.
EVERGREEN IS PART OF OLD MUTUAL SUPERFUND RANGE OF SOLUTIONS.
THAT MEANS YOU AUTOMATICALLY ENJOY:




SUPER GOVERNANCE                                                     TRANSPARENCY
Old Mutual SuperFund is managed according to the highest             evergreen prides itself on being the most transparent multi-
standards of good governance. A board of highly qualified and        employer fund available to participating employers today –
skilled Trustees make sure that you can focus on your core           not only in terms of cost structures.
business and your employees can feel secure, knowing their
money is in safe hands.                                              MEMBER EDUCATION
                                                                     evergreen provides national member education sessions, at no
SUPER VALUE                                                          additional cost to the employer, ensuring that all members are
every rand of unnecessary cost erodes the retirement savings of      well informed of their current retirement provisions. evergreen
your employees. At Old Mutual we use our size and efficiencies       offers this education to members in all 11 official languages.
to operate at the lowest possible cost. we pass these savings on
to you in the form of lower fees – this means your employees get     ADMINISTRATION VALUE-ADD
more out when they leave the Fund. There are no hidden costs         evergreen offers participating employers web-enabled access
and you only pay for what you use.                                   and allows members to view their details and benefits online.
                                                                     Furthermore, all administration is transferred between
SUPER SERVICE                                                        employers and evergreen via a secured system.
No matter where you are in South Africa, you have access to
Old Mutual’s expertise. whether you are a broker, intermediary,      STRUCTURING YOUR SOLUTION
business owner or member – our services are within easy reach.       evergreen offers:
Our experts are there to help you make the right choices and             Two savings types
guide you through every step.                                            Flexible benefit design
                                                                         A range of package investment options
SUPER EASY
Old Mutual SuperFund solutions are easy to access, easy to use,      RETIREMENT SAVINGS
and easy to understand. it’s easy to choose a solution that will     There are two Old Mutual SuperFund retirement Funds available
meet the needs of your particular business… and easy to change       through evergreen – a registered pension fund and a registered
that solution if your requirements change.                           provident fund.

IN ADDITION, EVERGREEN OFFERS:                                       FLEXIBLE BENEFIT DESIGN
FLEXIBILITY AND CHOICE                                               Ancillary risk benefits (disablement, including early retirement
Understanding that all members’ needs differ when it comes to        due to disability, and death) can be structured and underwritten
retirement, a key feature of the Evergreen solution is flexibility   by a life assurer of choice.
in terms of the range of choice offered to both participating
employer and employee. This choice ranges from investment            A RANGE OF PACKAGE AND INVESTMENT OPTIONS
selection to benefit design, to the ability to attach the best       evergreen allows members to decide:
ancillary benefits available in the market to the employer and            how involved they want to be in their
members.                                                                  retirement funding
                                                                          how much they want to actually invest, and
                                                                          where they want to invest it.
There are three package options available,
among which members can switch at no cost

           LOW CHOICE                                   MANAGED CHOICE                                FLEXIBLE CHOICE
 Offers security and peace of mind        Allows switching between investment options as        Highest level of investment choice
 without memb ake investment              needs change, with investments automatically          - allows member to structure
 decisions. Default package option.       adjusted over time to offer more protection as        investment portfolio using a range
                                          the member nears retirement.                          of investment options, and to
                                                                                                switching between these.

                                              How do members’ costs compare?
 Lowest cost option                       Medium cost option                                    Highest cost option

                                          Who chooses the investment fund(s)?
 Management Board selects                 Management Board selects a limited range of           Member selects from wide range
 investment fund.                         investment funds. Member then chooses among           of investment funds chosen by the
                                          these according to tolerance of volatility risk.      Management Board.

                                   What investment funds are currently available?
 Smoothed Bonus                                Smoothed Bonus                                       Smoothed Bonus
                                               Lifestaging                                          Lifestaging
                                          -    Defensive                                        -   Defensive
                                          -    Stable                                           -   Stable
                                          -    Aggressive                                       -   Aggressive
                                               Affinity Groups                                      Affinity Groups
                                                                                                    A wide range of
                                                                                                    specialist funds

                                                Whom would it typically suit?
 This option may typically be chosen      A wide range of members may choose this, but          Members who choose this option
 by members with limited savings          they will all share a preference for the Management   typically have a high tolerance
 outside their fund and a need for less   Board selecting the funds, and a decreasing           for volatility risk and a good
 volatile investment returns. They will   volatility risk tolerance as they grow older.         understanding of financial matters.
 seldom have access to expert advice.     They will use expert advice from time to time.        They want hands-on management of
                                                                                                their money and will have regular
                                                                                                access to expert advice.
FIND OUT MORE ABOUT EVERGREEN FROM OLD MUTUAL SUPERFUND

Obtain all the information you need on evergreen by calling Old Mutual SuperFund
Service Centre at 0860 20 30 40 or visiting www.oldmutual.co.za/evergreen




Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration no: 1999/004643/06.
Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial Advisory and Intermediary Services Act,
2002, to furnish advice and render intermediary services with regard to long term insurance and pension fund benefits, as well as providing intermediary services as a discretionary
investment manager. Please note that this licence does not cover the marketing of this product by persons other than Old Mutual and its staff. every effort has been made to
ensure that this document and the products referred to, meet the statutory and regulatory requirements, pertaining to the manner and format in which information regarding
financial products is presented. However, should you become aware of any breach of such statutory and regulatory requirements, please address the matter in writing to:
                                                                                                                                                                                       omms 07.2011 T2692




The Compliance Officer, Old Mutual Corporate, PO Box 728, Cape Town 8000, South Africa.
PROTEKTOR




OLD MUTUAL SUPERFUND
Protektor Preservation Fund
Preserving retirement savings beyond employment


Protektor Preservation Funds are an easy to use low cost
solution designed to help employees preserve their retirement
savings - regardless of where they are employed - to ensure
that their retirement planning remains on track.

An added advantage of moving from any of Old Mutual
SuperFund retirement arrangements to Protektor, is that
Old Mutual will not levy any administration fees for the
transfer, meaning more value for you.

Protektor is ideally suited to employees that want to
preserve their retirement savings when leaving their
employer’s retirement fund.
PROTEKTOR IS PART OF OLD MUTUAL SUPERFUND RANGE OF SOLUTIONS.
THAT MEANS YOU AUTOMATICALLY ENJOY:

SUPER GOVERNANCE                                                                                 IN ADDITION, PROTEKTOR OFFERS:
Old Mutual SuperFund is managed according to the highest                                         INVESTMENT CHOICE
standards of good governance. A board of highly qualified and                                    Members’ needs differ when it comes to the investment of their
skilled Trustees make sure that you can focus on your core                                       retirement savings. That’s why Protektor offers choice around
business and your employees can feel secure, knowing their                                       investment portfolio selection.
money is in safe hands.
                                                                                                 REDUCED COST TO TRANSFER
SUPER VALUE                                                                                      An added advantage of moving from any of the SuperFund
Every Rand of unnecessary cost erodes the retirement savings of                                  retirement solutions to Protektor, is that Old Mutual will not levy
your employees. At Old Mutual we use our size and efficiencies                                   any administration fees for the transfer.
to operate at the lowest possible cost. We pass these savings on
to you in the form of lower fees – this means your employees get
                                                                                                 STRUCTURING YOUR SOLUTION
more out when they leave the Fund. There are no hidden costs
                                                                                                 Protektor offers:
and you only pay for what you use.
                                                                                                        Two savings types
                                                                                                        A range of package investment options
SUPER SERVICE
No matter where you are in South Africa, you have access to
Old Mutual’s expertise. Whether you are a broker, intermediary,                                  RETIREMENT SAVINGS
business owner or member – our services are within easy reach.                                   There are two Old Mutual SuperFund Retirement Funds available
Our experts are there to help you make the right choices and                                     under Protektor – a registered pension fund and a registered
guide you through every step.                                                                    provident fund.


SUPER EASY                                                                                       A RANGE OF PACKAGE AND INVESTMENT OPTIONS
Old Mutual SuperFund solutions are easy to access, easy to use,                                  Old Mutual Protektor Preservation Fund offers a range of
and easy to understand. It’s easy to choose a solution that will                                 investment portfolios to meet specific investor needs. Options
meet the needs of your particular business… and easy to change                                   are designed to offer investors competitive, inflation-beating,
that solution if your requirements change.                                                       long-term growth, while protecting invested capital against
                                                                                                 market volatility. The fund’s investment strategy involves
                                                                                                 maximizing returns over the long term by investing across equity,
                                                                                                 bond and money markets and a choice between fixed interest,
                                                                                                 smoothed bonus and market-linked portfolios.



FIND OUT MORE ABOUT PROTEKTOR FROM OLD MUTUAL SUPERFUND
Obtain all the information you need on Protektor by calling Old Mutual SuperFund Service Centre at
0860 20 30 40 or visiting www.oldmutual.co.za/protektor




Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration no: 1999/004643/06.
Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial Advisory and Intermediary Services Act, 2002, to
furnish advice and render intermediary services with regard to long term insurance and pension fund benefits, as well as providing intermediary services as a discretionary investment
manager. Please note that this licence does not cover the marketing of this product by persons other than Old Mutual and its staff. Every effort has been made to ensure that
this document and the products referred to, meet the statutory and regulatory requirements, pertaining to the manner and format in which information regarding
financial products is presented. However, should you become aware of any breach of such statutory and regulatory requirements, please address the matter in writing to:
                                                                                                                                                                                           omms 07.2011 T2692




The Compliance Officer, Old Mutual Corporate, PO Box 728, Cape Town 8000, South Africa.
tRustees




RepResenting youR
inteRests at BoaRd level
Your benefits are in safe hands with these Trustees at the helm.
Old Mutual SuperFund Management Board of Trustees is                               The Trustees have to:
responsible for the sound management of the Fund and the                              Act in the best interests of members.
protection of members’ interests. It consists of eight Trustees                       Choose suitable investment managers and investment
who bring a wide range of skills to the Board, including expertise                    options.
in the actuarial, accounting, legal, business, retirement fund                        Distribute death benefits impartially to beneficiaries.
administration, social and communication fields. As a further                         Communicate regularly with members.
safeguard of your interests, half of the Trustees are independent,                    Respond to disputes and prevent conflicts of interests.
which means that they are paid by the Funds for services                              Know and understand the Fund Rules and any laws that affect
rendered, and are not employees of Old Mutual or any service                          the Fund.
providers to the Fund.




Meet tHe tRustees
                         BeRtie van WyK                                                                    WaHida paRKeR
                         Chairperson                                                                       Deputy Chairperson
                         After obtaining his Masters in Commerce in                                        Wahida is an admitted attorney, independent
                         1978, Bertie joined the Old Mutual Investments                                    Chair of the Verso Umbrella funds and Trustee of
                         Division (now OMIGSA). In 1989 he transferred                                     the Woolworths Employees Share Trust. She is
                         to Employee Benefits, where he became Senior                                      also an internationally accredited mediator and
                         Regional Manager. In 1995 he relocated to Boston,                                 Tavistick-accredited executive coach, a member
                         Massachusetts to establish Old Mutual’s business in                               of the disciplinary council of the HPCSA and the
                         the USA. He served as President of the Old Mutual                                 Western Cape Sports Arbitration Forum, a liquidator
                         Investment Advisers until his return to South Africa                              and certified forensics examiner, a non-executive
                         at the end of 1997. From 1997 to 2005, he held                                    Director of HWB communications and Chair of the
                         various general management positions in Old Mutual                                Old Mutual Orphan Funds. Wahida has also been an
                         Employee Benefits, including Chief Executive. At                                  executive member of the Black Management Forum
                         the time of his retirement in 2006 he was Executive                               and Black Lawyers Association.
                         General Manager (Corporate Market). In 2007 he
                         was appointed by the Financial Services Board (FSB)
                         to serve as a member of a Section 15k Tribunal. He
                         currently serves as an Independent Trustee of the
                         South African Retirement Annuity Fund and the
                         Old Mutual SuperFund. In 2007 he was elected
                         Chairperson of the SuperFund Management Board.




                         KaRaBo MoRule                                                                     JeReMy andReW
                         Karabo is currently a Strategy & Marketing                                        Jeremy is an internationally respected pension
                         Executive (Retail Affluent Segment) at Old Mutual                                 fund actuary who has been closely involved with
                         in Johannesburg. She previously held the position                                 legislative and regulatory developments affecting
                         of Associate: Insurance Securitised Products at                                   retirement funds in South Africa. He is also a
                         J.P. Morgan in London, having worked at J.P Morgan                                qualified valuator of every type of retirement fund.
                         in Johannesburg after completing her studies at                                   Jeremy worked at Liberty Life from 1977 to 1998,
                         the University of Cape Town. Karabo obtained her                                  gaining experience in all aspects of employee
                         B. Bus. Sc. degree in Actuarial Science (Finance                                  benefits. In 1998 he became Chief Actuary to the
                         Option) with First Class Honours in 2003. She then                                FSB, where he helped draft surplus apportionment
                         enrolled for a Postgraduate Diploma in Actuarial                                  and minimum benefits legislation. Since his retire-
                         Science to complete additional subjects towards                                   ment he has consulted to the FSB and the regulators
                         qualifying as an actuary, which she did in 2006                                   in Botswana and Zambia on risk-based supervision.
                         through the Faculty of Actuaries (Scotland). She is a                             Jeremy is a past member of the Council and various
                         fellow of the Institute and Faculty of Actuaries and is                           committees of the Actuarial Society of South Africa
                         also registered with the Financial Services Authority.                            and currently serves on the task force on social
                                                                                                           security and retirement reform.
                                sHiRley MaBusela                                                                                  KaRi lagleR
                                Shirley holds a BA Social Work Degree from the                                                    Kari is a qualified Chartered Accountant (South
                                University of the North, as well as a Management                                                  Africa) as well as a specialist in the tax field. She
                                Diploma and Postgraduate Diploma in Advanced                                                      joined KPMG in 1992, qualified in 1995 and earned
                                Social Work Practice from Wits. She is a Trustee                                                  her Commerce (Honours) degree in Taxation in
                                and Board Member of the Centre for Education                                                      1996. During her time at KPMG she specialised
                                Policy Development, Nelson Mandela Children’s                                                     in the financial services segment and then in tax,
                                Fund and Centre for Child Law of the University of                                                and was appointed as Tax Partner in 1999. In
                                Pretoria. She is a Council Member of the Freedom                                                  2000 Kari joined the Corporate Tax department at
                                Park and UNIVEN, a member of the Minister of                                                      Old Mutual, advising the group on a wide range
                                Health’s Advisory Committee on the National Health                                                of issues including taxation of life offices and
                                Institute (NHI), Chair of HydroWSA and Chair of a                                                 retirement funds, investment products and financial
                                consortium of women-owned companies that focus                                                    instruments. She represented Old Mutual on the
                                on renewable energy. Shirley is also a former Chair                                               Life Offices Association (LOA) Taxation Standing
                                of the South African Human Rights Commission.                                                     Committee from 2002 to 2004, and as non-
                                                                                                                                  executive director of Women Investment Portfolio
                                                                                                                                  Holdings Ltd (Wiphold) from 2004 to 2006. During
                                                                                                                                  this time she also briefed the Parliamentary
                                CHRIS LIDDLE                                                                                      Committee on Finance on the Tax on Retirement
                                Chris spent over three decades in the Life and                                                    Funds. In 2005 she was promoted to General
                                Employee Benefits divisions of Southern Life                                                      Manager in the Corporate segment where she
                                and retired in 1998 as Executive Director of both                                                 gained additional experience in employee benefits,
                                divisions. From 1999, he served as an Independent                                                 structured insurance and investments. More
                                Trustee on the boards of retirement funds sponsored                                               recently Kari has started an independent consulting
                                by Old Mutual, including the Evergreen Retirement                                                 practice including Board appointments in an
                                Funds. Among other positions he served as Director                                                independent non-executive capacity. Her expertise
                                and Chair of Galaxy Investment Trust and BoE Link                                                 and experience in the field are invaluable in her
                                Nominee companies, as well as Director of Catalyst                                                most current role as Trustee.
                                Employee Benefit Consultants.




                                 pieRRe pRetoRius                                                                                 CHERYL MESTERN
                                 Pierre is currently a Senior Legal Adviser at
                                                                                                                                  Principal Officer
                                 Old Mutual Group Legal Division. He previously
                                                                                                                                  Before being appointed as Principal Officer by the
                                 held the position of partner at De Klerk, Vermaak &
                                                                                                                                  SuperFund Management Board, Cheryl has held
                                 Partners as well as Senior Lecturer at Potchefstroom
                                                                                                                                  office as Trustee and Principal Officer of a number
                                 University. He was a Senior Legal Adviser to Transnet
                                                                                                                                  of other retirement funds and medical aids. She is
                                 – becoming Chief Legal Adviser in 1993 – as well
                                                                                                                                  currently a Director of the Ruth Prowse School of Art.
                                 as a member of the Transnet Group Management
                                                                                                                                  Cheryl has been in the financial services industry
                                 Board and Trustee of the Transnet Pension Fund. In
                                                                                                                                  for more than 26 years, 15 of which were with
                                 1996 he became Principal Consultant and Director
                                                                                                                                  Old Mutual. She spent four years with the Rennies
                                 of Old Mutual Actuaries & Consultants (OMAC). He
                                                                                                                                  Group where, amongst other duties, she fulfilled
                                 was also Head of Legal & Compliance of Old Mutual
                                                                                                                                  the role of Principal Officer of their Medical Aid, and
                                 Employee Benefits and a member of Old Mutual
                                                                                                                                  another three years at BP as Principal Officer of their
                                 Employee Benefits Executive Committee. Pierre
                                                                                                                                  Medical Aid and Pension Funds. In 2005 she set up
                                 has served as a Trustee of the Old Mutual Staff
                                                                                                                                  her own practice as an independent Principal Officer
                                 Medical Aid Fund, Caremed and Galaxy Retirement
                                                                                                                                  and Trustee. Cheryl holds a Bachelor of Commerce
                                 Funds. He is currently a Trustee of the South African
                                                                                                                                  degree and is an Associate Financial Planner with
                                 Retirement Annuity Fund.
                                                                                                                                  the Financial Planning Institute.
                                                                                                                                                                                              omms 07.2011 T2692




FIND OUT MORE ABOUT OLD MUTUAL SUPERFUND
Obtain all the information you need by calling Old Mutual SuperFund Service Centre at 0860 20 30 40 or www.oldmutual.co.za/superfund.




Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration no: 1999/004643/06.
Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorized in terms of the Financial Advisory and Intermediary Services Act, 2002, to
furnish advice and render intermediary services with regard to long term insurance and pension fund benefits, as well as providing intermediary services as a discretionary investment
manager. Please note that this licence does not cover the marketing of this product by persons other than Old Mutual and its staff. Every effort has been made to ensure that this document
and the products referred to, meet the statutory and regulatory requirements, pertaining to the manner and format in which information regarding financial products is presented.
However, should you become aware of any breach of such statutory and regulatory requirements, please address the matter in writing to: The Compliance Officer, Old Mutual Corporate,
PO Box 728, Cape Town 8000, South Africa.
Old Mutual Corporate is a division of Old Mutual Life Assurance Company (South Africa) Limited, Jan Smuts Drive, Pinelands, 7405, South Africa. Registration
no: 1999/004643/06. Old Mutual Life Assurance Company (South Africa) Limited is a licensed financial services provider authorised in terms of the Financial
Advisory and Intermediary Services Act, 2002, to furnish advice and render intermediary services with regard to long term insurance and pension fund
benefits, as well as providing intermediary services as a discretionary investment manager. Please note that this licence does not cover the marketing of
this product by persons other than Old Mutual and its staff. Every effort has been made to ensure that this document and the products referred to, meet
                                                                                                                                                               omms 07.2011 T2692




the statutory and regulatory requirements, pertaining to the manner and format in which information regarding financial products is presented. However,
should you become aware of any breach of such statutory and regulatory requirements, please address the matter in writing to: The Compliance Officer,
Old Mutual Corporate, PO Box 728, Cape Town 8000, South Africa.

				
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