ABOUT US

Hollard Wealth was created in 2002 as a specialist division of Hollard Life, offering tailor-made wealth accumulation and preservation solutions. One of our key objectives is to provide investors with the opportunity to benefit from superior investment performance over the long term.

At Hollard Wealth, we understand the importance of both the return on capital and the return of capital to investors, without using complex or risky investment strategies. Although we encourage a longer term savings approach, access to capital in an uncertain world provides our clients with liquidity should the need arise. Our products are based on transparency and the provision of unique benefits. ProtectionWith strong partnerships and a firm foothold, we guard investments and improve lives WHY HOLLARD WEALTH?

With Hollard Wealth, you’ll deal directly with a dedicated team of Hollardites who are passionate about what they do and how they can help you. We are all about innovation, which allows us to create relevant investment solutions and improve the lives of the people in the markets we serve.

Our ideas and those of our partners in our investment business are fuelled by entrepreneurial spirit, passion, creative thought and a desire to make a difference. The concept of building strong partnerships is the main pillar on which Hollard Wealth has been built – it is one of our founding principles and a major reason why we have been able to establish strong footholds in our markets of choice.

Why Hollard Wealth? WHY CLIENTS KEEP COMING BACK FOR MORE

• When we say “guarantee”, we mean it • We deliver dependable tax solutions • Our investments are supported by a well-managed life company balance sheet • Our rates are consistently competitive in the market place

Dependability As leaders in our field, an entrepreneurial spirit has seen decades of pioneering and perfecting solutions Why Clients Keep Coming Back OUR PRODUCTS

We believe there is a need for independent investment solutions that are relevant and provide certainty.

This philosophy is at the core of Hollard Wealth’s product range:

• Guaranteed Growth Plan • Guaranteed Income Plan • Safe and Secure Investment Plan • Private Wealth Portfolio • Living Annuity • Pension and Provident Preservation Funds • Retirement Funding Investments

Quality Our superior, tailor-made products allow you to invest in excellence and expect returns that are nothing but the best Our Products Availability There is always someone around to answer your call

CONTACT US

Our team of experienced specialists are standing by to answer any investment-related queries on 0860 202 202.

For more information visit www.hollard.co.za

Contact Us VILLA ARCADIA

Villa Arcadia is a beautifully-restored Randlord’s mansion which was designed and built by Sir Herbert Baker just after the turn of the last century. Hollard has had the pleasure and honour of restoring the villa, which has been granted Heritage Site status. The landmark building is used extensively by Hollard and its partners to host events and meetings, and also houses a significant collection of contemporary South African art.

Legacy

Built on a solid base, our wealth products offer long-term stability and security Villa Arcadia ABOUT THE HOLLARD GROUP

Hollard has been around since 1980, providing pioneering and risk solutions to (the old and the new) and countries abroad through innovative problem solving and rock-solid partnerships. Today, having survived 80’s hair, the millennium bug and the global economic crisis, Hollard is South Africa’s largest independent and privately-owned insurance group, and the third largest short-term insurer in South Africa.

But that’s not all... Hollard is also a significant player in the life assurance arena, which means we’re able to combine the best of both worlds and provide cover to suit every insurance need, all under one roof.

Our entrepreneurial approach to doing business, coupled with a love of working with like-minded people, has led to the formation of many collaborative partnerships with underwriters, brokers, retailers, affinity groups and other specialist individuals and organisations. Through these partnerships we’ve made many close friends and developed brand new ways of doing things.

WHAT WE STAND FOR

As a leading insurance brand, we know that if we want to make a difference, we need to do things differently. We need to be flexible, innovative, ahead of the curve and committed to world-class service.

Big-impact, smart ideas get us up in the morning, and our entrepreneurial spirit, passion, commitment to innovation and desire to make a real difference keep us going. Because we believe in “relationships above all else”, we have access to a vast and diverse pool of creative and business minds. Security From humble beginnings we have forged ahead to become your gateway to a better future

About The Hollard Group Uniqueness We offer matchless benefits that last a lifetime

ON BEING INDEPENDENT

Our independence as a family-owned, unlisted company is an enormous advantage. We are able to forge ahead in our own direction and adopt a long-term view, instead of chasing the pack or looking for quick returns. This allows us to attract the sort of partners with whom we want to do business, and to develop innovative products. Independence allows us to invest in our future by making sustainable choices for our partners’ businesses, as well as our mutual long-term success.

THE HOLLARD BRAND

The Hollard brand is the third most recognised insurance brand in South Africa according to Bateleur Khanya’s “Insurance Brand Equity Tracking Survey” (December 2011). The Hollard brand promise – We Get You – is our way of saying we understand the aspirations and needs of our brokers and policyholders. And, because we’re independent, we’re able to respond to those needs quickly and creatively.

On Being Independent

A PIONEERING INSURER

• Hollard was the first “purpose-built” rent-a-captive company in South Africa

• In 1981 we were responsible for setting up the first offshore rent-a-captive for a leading South African corporate

• In the same year, we pioneered the concept of being the nominated repairer to a nationwide group (Imperial Motors) – the first serious attempt to control repair costs by fixing margins

• In 1983 we became the first insurer to utilise capitalised preference share structures – which later became the classic cell captive structure – in the local market

• In 1988 we launched the first credit shortfall / extended cover product in South Africa: WesBank Coverplus

• In 1991 we launched LegalWise, South Africa’s first legal expenses insurance product

• In 1992 PetSure was formed – South Africa’s first pet medical aid for man’s best friend (and other four- legged creatures that share our homes)

• In 1995 we formed Zimisele, the first black-owned underwriting management agency (UMA) in the country

• In 1997 Hollard launched the first fully fledged direct sales life insurance operation in South Africa

• In 2000 we became the first South African insurance company to form a joint venture with a soccer brand when we teamed up with Kaizer Chiefs

• In the same year, we developed the first impaired lives product range in South Africa together with Altrisk, including a new generation of life cover for people living with HIV/AIDS

• In 2001 Hollard formed a joint venture with the Edcon group, the first time a retailer had entered the insurance environment on a significant scale

• We also became the first company to sell an insurance policy from the top of Mount Kilimanjaro

• In 2005 we launched Pay As You Drive, the first motor insurance policy to base premiums on actual kilometres travelled

• In 2006, in partnership with the Pepkor group, we introduced the first range of over-the-counter insurance products

• In 2006 the first tyre insurance in South Africa was launched with Tiger Wheel and Tyre • In 2007 Hollard became the first South African insurance company to have a Wikipedia page Expertise Our specialist team is committed to carving a great future for you, with care and precision A Pioneering Insurer Looking Ahead

Constantly looking ahead of the times, we move across the globe but never forget our roots back home

HOW IT ALL BEGAN

When Hollard was born, times were very different from what they are today. Partnership, risk appetite, independent thought and “the long-term” were not generally accepted business concepts. And yet Hollard grabbed on to these notions with vigour, flying in the face of the grey suit brigade and adding a bit of colour to the local insurance industry. We sought smart solutions to ensure everyone came out a winner... and we’ve not stopped – setting trends, breaking conventions and revolutionising several sectors of the insurance industry.

GOING INTERNATIONAL

Afro-global: a term used to define Hollard’s approach to doing business outside the borders of South Africa. We think global, but our roots remain firmly planted right here at home. This is where our ideas develop; this is where our partnership philosophy was born; and this is where we constantly look for strategic guidance.

The strength and diversity of our business model has allowed it to be tweaked and adapted to suit local conditions in countries across the world – from Africa to Asia and from the UK to the Pacific Rim. But at its heart Hollard remains proudly and positively South African and we will continue to “look local” for global direction.

How I t All Began

DOING WELL BY DOING GOOD

At Hollard, we consider far more than the numbers in all our dealings. Naturally there have to be financial BalanceTo make everyone a winner we place equal considerations, but we also focus on making a positive impact in the social, human and environmental importance on financial returns, and on making realms. And so all our business decisions are made with a view to reaping both financial and social the world a better place dividends.

We want Hollard to be a leader in sustainable business practice, and we focus on a number of key issues to that end, including:

Black Economic Empowerment (BEE)

For us, BEE is more than a regulatory requirement: it is fundamental for South African businesses to progress, develop and become more inclusive. We have achieved a level 4 rating in terms of the DTI Codes of Good Practice under the Broad-Based BEE Act in both our life and short-term companies.

Financial and economic inclusion

One of our key focus areas is developing new ways of “doing insurance” that bring the right products to the right people at a price they can afford allowing everyone to participate in the financial services industry.

Enterprise development

Hollard actively helps to develop and sustain new enterprises, specifically in the motor repair industry.

Helping disadvantaged communities

Through the Hollard Foundation we assist in enabling vulnerable, disadvantaged children to realise their potential by providing access to care and education.

Youth development

Hollard actively participates in Harambee, a programme that facilitates the sourcing of employment opportunities for systemically unemployed young South Africans.

Skills development

Through the Hollard Academy we are 100% committed to building the talents and knowledge of all Hollardites and our broker partners. We spend on average 4.2% of our annual payroll on training and development. In addition, we are committed to reducing the skills shortage in the insurance industry and consistently achieve full points on our DTI scorecard for learnerships.

Environmental sustainability

We are committed to managing and reducing our impact on the environment through measuring and reducing our carbon footprint, energy and water consumption and managing waste.

Doing Well By Doing Good FocusWe focus our attention on building long-term relationships

HOLLARD AT A GLANCE

Who

• Largest independent insurance company in South Africa • Over 1 000 passionate and knowledgeable Hollardites in South Africa; many more in our Afro-global offices around the world • Consistent top 10 performance in Deloitte Best Company to Work For surveys • More than six-million policyholders • 100+ formal business partners • Family-owned business

What

• Two insurance licences – life and short-term • Impressive track record of innovation in distribution and product development • All classes of insurance underwritten in South Africa • Short-term, life investment and international infrastructure and capabilities • Single brand spanning multiple licenses

Hiollard At A Glance

HOLLARD AT A GLANCE

Where

• South African base at Hollard Villa Arcadia in Parktown, Johannesburg • Established operations in nine other countries: • • • China • • • • • • Zambia • Strong online presence at www.hollard.co.za

Why

• To act as a catalyst for positive and enduring change • To generate social dividends for the communities in which we operate • To add value to the lives of our policyholders, partners, team members and shareholders

How

For more information on Hollard’s financial results, go to www.hollard.co.za

FocusWe focus our attention on building long-term relationships Hiollard At A Glance contact us Our team of experienced specialists are standing by to answer any investment-related queries on 0860 202 202. For more information visit www.hollard.co.za