specially made for SMART Consultant Team

1. Importance of RecruitmentandCorporate Sales Presented by : Mustaniz Bin MohdYunos Unit Trust Consultant Public Mutual Berhad Mobile: +60129136983 E-mail: mustaniz@gmail.com

2. Who is author? Mustaniz Bin MohdYunos Graduate of UniKL MIMET Unit Trust Consultant (Full-Time) certified by FIMMemployed under Public Mutual Berhad Proactive member of SMART Consultant Team Personal info on Facebook, search ‘mustaniz’

3. Should YOU be reading this? If you wish to succeed further upwards in selling your investment products .. then YES! This presentation is initially aimed for group discussion within SMART Consultant Team, consists of UTCs under Public Mutual Berhad. However, readers may share it with others deemed hungry for valuable knowledge. Take note that author is not responsible for inaccurate information stated in presentation. Please discuss among peers for confirmation. Thanks in advance to Branch Manager of PMB Ipoh for teaching author the fundamentals of key topics to be discussed.

4. 1.0 - [Importance of Recruitment] Mr.Sun : Recruitment is a MUST to build your business! Ms.Moon : What business? I’m already selling product easily on my own. Mr. Sun : Yes, I agree with you. However, wouldn’t you like to earn passive income other than your own active personal sales? Ms.Moon : You mean.. override commissions? Mr.Sun : Yes! By recruiting agents, you will be given extra commission by their success in sales. Ms.Moon : That sounds great, how do I achieve that? Mr.Sun : Just follow the steps on next slides! 

5. 1.1 – Where to recruit agents? Friends & relatives Business & personal contacts Clubs & associations Direct selling companies Community projects Reunion dinners Newspaper advertisements Name cards Jobstreet.com Anywhere that you could approach.. Go for it!

6. 1.2 – Mustaniz’ 3G recruit steps

7. 1.3 – Recruit Agent Cycle

8. 1.4.1 – Upgrading to MFAS (Normal Condition)

9. 1.4.2 – Upgrading to MFAS (Special Campaign)“28th Dec’2010 – 27th Dec’2011 : Upgrade MFA to MFASP with Personal sales of RM20,000” *Applicable only by Public Mutual Berhad

12. 2.0 – [Corporate Sales] Mr.Sun : I see you have made quite encouraging individual sales. Have you made any corporate sales yet? Ms.Moon : Corporate sales? Do I have to close millions of ringgit sales with companies? Mr. Sun : No, actually it is sales with non-individuals such as sole proprietor or partnership business, even if they invest the minimum investment amount. Ms.Moon : I do feel companies would like to invest too.. But I’m afraid to approach them. Mr.Sun : Don’t worry, just follow the simple steps on next slides! 

13. 2.1 – Who are your corporate sales? Government agencies Cooperatives & corporations Clubs, associations & societies Temples, churches & mosques Companies with Fixed Deposit funds in banks (highly recommend to target this! Compare FD’s low return rate to Public Mutual’s funds) In short, any non-individual sale

14. 2.2 – Mustaniz’ I.S.P Corporate Success!

15. 2.3 – Steps for Corporate Sales

16. 2.3.1 - MFA contact company Once the key person has recommended MFA for meeting with top management of company, MFA should acquire details of company (from key person or secretary) to pass to nearest PMB branch office to make official corporate letter. The details to inform PMB are: Company name, contact number, address Names and designation attending presentation Particulars: Proposed fund name Intended investment horizon Intended investment horizon

17. 2.3.2 - Corporate letter by Public Mutual

18. 2.3.3 Submit proposal After company received corporate letter from Public Mutual. Submit your proposal to prospect company with the following information and/or documents : Public Mutual’s Corporate Profile Booklet (cost is RM1, acquire from HQ or branch) Prospectus & Unit Trust brochures Proposals for the fund (bind it together if possible) PMB Profile, Understanding UT, Fund objectives, Fund performance, Asset Allocation of the fund, Top 5 invested companies, etc. Quarterly Fund Review (QFR)

19. Extract of prospectus

20. Extract of QFR

21. 2.3.4 - Board meeting You might be given a short limited time for your presentation (think of 15 to 30 minute). Thus, it is recommended to practice and edit usage of materials as not to be too lengthy. Do not forget to mention risks of investing in unit trust but at the same time assure them of the lowered levelof risk as fund manager practices diversification of fund. Also, your recommendation the company’s investment could initially start out like 30% equity : 30% moderate : 40% bond. The end result might differ upon company’s decision later.

22. 2.3.5 – Investment deal After the company has contacted MFA and/or PMB office to inform the good news, prepare the following completed documents to close the deal : Send to PB (authorized person from company with/without MFA) Investment Application Form for Non- individual with the cheque and/or cash (“IMPORTANT! Confirm first whether they want annual distribution to be reinvested or paid out”) FIMM form is not needed as this is non-individual deal, but need draft agreement form to send to PMB (refer bottom page) If RM1,000,000 or more is expected to be paid in single investment form, MFA must obtain prior approval from branch before bank-in (“due to fund must create enough units before closing market”). However, this could be skipped if reduced the RM1,000,000 limit by splitting the amount to multiple investment forms. If unsure, contact PMB office for best solution possible. Send to PMB (only MFA) Company’s documents (depends on type of company): Return Giving Particulars In Register Of Directors, Managers And Secretaries And Changes Of Particulars (Form 49) Board of Resolution Certification of Incorporation Of Private Company (Form 9) Agreement form with corporate letterhead stating investment is medium to long term and understand switching terms & conditions

23. Example of Form 9

24. [ The End ] Any questions & inquiries, do send it to any of these channels : Author (contact on first page) Author’s Upline, Mrs.Diba @ www.pelaburmuda.com Team leader and members of SMART Consultant Team “ Have a nice day! ”