3rd Quarter 2007

Up close and personal with

the winner of
Master Builder
Award 2007
on page 11

SPECIAL FEATURE PRODUCTS EVENTS

Spurring New Growth with Protecting Wealth with Insurance Premier Awards Night 2007
New Business Model
In This Issue

MESSAGE
Optimising Group Synergy 2
50, 52 & 54, Jalan 21/39
Damansara Utama

SPECIAL FEATURE 47400 Petaling Jaya

Selangor Darul Ehsan

Spurring New Growth with New Business Model 3 Telephone:

03-7712 2888
Agency Hotline:
03-7718 3001
PRODUCTS Facsmile:

Protecting Wealth with Insurance 5 03-7726 5088

www.cimb-wealthadvisors.com

CIMB-Principal’s First Islamic Structured Fund

Sold Out! 5
Editor
5 Reasons Why Investors Should Buy Lifecycle Funds 6 Norzuraida Kamaruddin

Greater China Equity Fund Saw Great Demand

By Investors 7
Income Distributions 7 All rights reserved. No reproduction
is allowed in any form, unless
written permission is granted by

EVENTS the publisher. The Editor reserves

the right to edit any articles for the
sake of clarity.
Premier Awards Night 2007 8
Hazfina Binti Mohd Tahir
Master Builder Award Winner 2007 11
Spanish Splendour 12 For enquiries on Unilink
articles and contributions,
New Look At Melaka Branch 14 please contact:
Recruitment Under GBOPs 14
AGENCY SUPPORT
Khor Pei Pei & Choong Poh Wan
Tel: 03-7718 5047
TRAINING
E-mail: pohwan.choong@cimb.com
Building New Rising Stars 15
A Certified Wealth Advisory Programme 16
Unilink 3rd Quarter 2007 
Message

Optimising
Group Synergy
We started from the humble roots of BHLB Pacific Trust Management. Today
we have transformed to CIMB Wealth Advisors and become part of Malaysia’s
2nd largest financial services group. We now operate as the retail distribution
arm of Group Asset Management, a business division of CIMB Group.

The CIMB Group is a comprehensive full-service bank.
It comprises 5 major business divisions – consumer banking,
investment banking, treasury, asset management and insurance.
As part of such a large entitiy, we need to focus on our business
growth and our strategic priorities. At this juncture, it is critical
that we see top line growth, synergy extraction and strong
recoveries for higher sales performance in a competitive
environment. Leading this change are our Agency Force and
Financial Planners.
Adopting the Group’s Optimisation pillar, we have two key
priorities:
• Realising the Group synergy
• Leveraging on our partners
We started the ball rolling in January by collaborating with
CIMB Trustee to offer Trust Nomination Service to our investors;
preserving wealth of our customers. In February, we explored a
cross-selling opportunity with CIMB Islamic by opening the Islamic
All Star Global, an Islamic Structured fund for agency referral.
We also worked with CIMB Bank Credit Card offering a
3-month Credit Card Regular Investment Campaign (CCRIC) where
free-for-life MasterCard was offered to agents and investors in which
they were allowed to sign up for regular investment using the credit
card. The campaign was a success and we now offer credit card as
a payment method for regular investment of Unit Trust.
months to come, there will be other insurance products and
packaged products to meet the different needs of our customers
at different stages of their lives.
CIMB Group is made up of a large team of more than 24,000
staff. We are recognised both in Malaysia and internationally
as an award winning company in all areas of excellence
such as fund management, investment banking, bond and
equity management, Islamic investment banking and many
others. With such extensive expertise and recognition,
we should strategically leverage on these resources.
Besides that, we can also leverage on our other shareholder.
Principal Financial Group, our business partner is a leading
Fortune 500 diversified global financial services group with AUM
worth US$213 billion (as at 30 Mar 2007). As our business partner,
Principal can offer us greater global reach and expertise.
There are many advantages and benefits to be gained by optimising
the Group synergy. Not only can we improve our resources and
operation to become more efficient and competitive, but we also
get to expand our products and services offerings.

In the 2nd quarter, CIMB Group set up i-Wealth Advisors to

enable our consultants to expand our product range to non unit
trust products so that they can provide total financial solutions
to their customers. A strategic alliance was formed with CIMB Tan Beng Wah
Aviva to offer insurance plans (Conventional and Takaful). In the Chief Executive Officer

Unilink 3rd Quarter 2007 

Special Feature

Spurring New Growth with

New Business Model
As the retail distribution arm for Group Asset Management, CIMB Wealth Advisors has been established based on a unique retail
distribution business model. It is our aim to help investors to create, protect and preserve their wealth. Through this new model, our
agency force members and financial planners can provide a complete suite of products and services to meet all the financial needs
of our customers.

• Unit Trust
Create • Financial Planning
Wealth • Cash Deposits*
- Structured Deposits
- Multi-currency Accounts
- Investment Accounts
- Property Investment

Protect Preserve • Trust Nomination

Wealth Wealth • Will Writing*
• Insurance • Estate Planning*
• Tax Planning* • Post Retirement
• Credit Management* Planning*

* Products in the pipeline

The uniqueness of the model is that it hinges on the ‘Best-of-Breed’ open

architecture in distributing unit trust. It operates by forming strategic alliances or
business partnership with product manufacturers to distribute the best selection
of funds. This open architecture enables us to work with distinguished fund
houses such as Hwang-DBS, TA Investment, Pheim Asset Management, OSK-
UOB and many others.

The model also has a multi-product platform that facilitates the distribution of
non unit trust products. For this purpose, CIMB Group has set up i-Wealth
Advisors Sdn Bhd. Through i-Wealth Advisors, strategic alliances are formed
to provide non unit trust products. With these complementary products, our
consultants are able to add value to their customers. On top of that they can
also forge new revenue streams and increase their own productivity.

Unilink 3rd Quarter 2007 

Special Feature

The chart below illustrates the strategic retail distrbution platform.

Multi-Product Strategy Best-of Breed Strategy

Strategic Alliance Distribution Platform Strategic Alliance

Supermart Supermart
of non-UT of UT
i-Wealth
Advisors

CIMB-Aviva
CIMB Aviva Takaful
Uniform
CIMB Trustee
Incentive
Plan
Form Form
strategic alliance strategic alliance
and/or business and/or business
partnerships with Agency Force partnerships with
product manufacturers product manufacturers
to distribute non-UT to distribute
financial products Financial Planners Unit Trust Funds

The multi-product strategy was put into practice early this year with the introduction of
Trust Nomination Service. Subsequently, in collaboration with CIMB Aviva Assurance
and CIMB Aviva Takaful, we rolled out three insurance products under the Wealth
Protector Series exclusively underwritten for the distribution of qualified CIMB Wealth
Advisors consultants. Under the multi-product platform, we are optimising the synergy
created within the Group to source and collaborate with other business entities to
further develop other value added products.

With the distribution of the non unit trust products, we have come to a full circle in
creating, protecting and preserving wealth of our investors. With the best of breed open
architecture and the multi-product platform, we have the competitive advantage over
other players in the industry as we are able to provide holistic financial solutions to
customers based on their needs at different stages of their lives.

With the distribution of non unit trust products, there was also a shift in our sales approach and business operation. Most importantly
is the preparation of the agency force in embracing the new business model and preparing them with the knowledge, skills and
professional qualifications to sell the products. We have started the ball rolling by giving intensive training to our agency force and
registering the consultants for PCEIA exams and CEILI exams. Concurrently we developed the Wealth Advisory Training Course to
cater for a flexible multi-product sales approach.

We strongly believe your perseverance in embracing this new direction will bring you to a greater height of your career. By equiping
yourself with the skills and qualifications in selling unit trust, insurance and other financial instruments, you have the advantage to offer
better financial solutions to your customers. This will potentially bring you better income. On top of that, customers who are satisfied
with your value-added service will also be your repeated and loyal customers.

Henceforth, it is crucial for each and every one of you to embrace the new business model. Upgrade your career by upgrading your skills
and professional qualifications. By doing so, you are reinventing yourself through differentiation. By being a multi-product distributor, you
are forging better revenue opportunities for yourself. Together, let us work towards making your career to the next level.

Unilink 3rd Quarter 2007 

Products

Protecting
Wealth with
Insurance
On May 7, three basic plans (Conventional and Takaful) – Wealth
Protector Perdana, Wealth Protector Premier and Wealth Protector
Senior were launched in collaboration with CIMB Aviva Assurance
and CIMB Aviva Takaful. These three basic plans were exclusively
designed for the protection of the wealth and assets of CIMB Wealth
Advisors’ customers. Since then we have complemented the life
insurance with additional benefits provided through Critical Illness,
Comprehensive Accident, Hospital Income and Surgical Fee Riders to
give a comprehensive suite of protections to your customers.
The benefits of insurance plans:
• Protect customers’ lives
• Complement their investments
• Protect customers during their golden years
• Ensure protection for customers’ family
In conjunction with the launch of the insurance products, we also
kicked off Fun in the Sun Campaign where you can earn your

‘Fun In The Sun’ Campaign

ticket(s) to Bali! The campaign runs until 21 December and all you
have to achieve is minimum premiums of RM48,000 (FYAP) and at
persistency rate of 80% at the end of campaign period. Take this
opportunity to fortify your portfolio by leveraging on CIMB Group’s
breadth of products and services.

CIMB-Principal’s First Islamic

Structured Fund Sold Out!
The CIMB Islamic Structured Growth Fund was launched on 28 May with 400 million units
and in just over 3 weeks the Fund was sold out. To meet investors demand the fund size was
increased with additional 200 million units. The fund was closed in July with total sales of RM
575.7 million and 20% was taken by customers of CIMB Wealth Advisors.

The fund is a close-ended Islamic structured fund and it aims to provide investors with capital
growth over the tenure of the Fund while providing principal protection when held to maturity,
through investment that conforms to Syariah principles. The fund adopts a ‘Best Performing
Strategy’ that generates profit based on the best performer among four strategies investing
in Islamic equities, commodities and properties. Besides that, it also offers tax exemption
advantage whereby capital gains are tax-exempted.

Unilink 3rd Quarter 2007 

 Products

5 Reasons Why Investors

Should Buy Lifecycle Funds
On 12 July, three conventional Lifecycle Funds and three Islamic Kausar Following are five (5) reasons why investors should buy
Lifecycle Funds with differing maturity periods were launched. Lifecycle Funds:

CIMB-Principal’s Lifecycle Funds: 1. Lower Volatility – each of the funds has built-in diversification
investing in different asset classes (i.e. liquid assets, local
1. CIMB-Principal Lifecycle 2017
bonds, foreign bonds, local equities, developed equities,
2. CIMB-Principal Lifecycle 2022 emerging equities and local/foreign REITS).
3. CIMB-Principal Lifecycle 2027
2. Good Investment Strategy – asset allocation that gradually
CIMB Islamic Kausar Lifecycle Funds: changes during the Funds’ tenure in line with investor’s risk
appetite. For example, as the Fund approaches maturity,
1. CIMB Islamic Kausar Lifecycle 2017 allocation to less volatile assets such as bonds will help lock
2. CIMB Islamic Kausar Lifecycle 2022 in some of the profits made in the critical years The review of
3. CIMB Islamic Kausar Lifecycle 2027 asset allocation is carried out on annual basis.

Lifecycle funds were the fastest growing type of funds among 3. Good Investment Plan for Education and Retirement
retirees in the USA. In Malaysia, these types of funds are very – the funds provide investors with capital growth through a
new in the market. They are designed for the convenience of well-diversified and evolving asset allocation matching the
investors to simply invest their money in the one fund that offers time horizon of investment.
built-in diversification, ease of use, and automatic rebalancing.
Our Lifecycle Funds (including Islamic Kausar Lifecycle Funds) 4. Hassle-free – The funds are managed by Fund Managers
are suitable for investors who seek long term investment who review and rebalance the investment portfolio according
plans spanning over 10, 15 and 20 years in preparing for their to target weights, taking into consideration the market
children’s education, additional personal retirement savings or expectation, benefits
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Unilink 3rd Quarter 2007 

 Products

Greater China Equity Fund Saw Great Demand By Investors

CIMB-Principal Greater China Equity Fund
comprehensive
nal investors in
CIMB-PRINCIPAL GREATER CHINA EQUITY FUND CIMB-Principal Greater China
What is �������i��i�a�� ���at�� �hi�a ���it��
F��d? Equity Fund launched on 12
Q�i�k ��id�
June was snapped up by
How do � ��v�st?
suit the needs
income funds. investors within two weeks. In
Want an investment that is strategically concentrated on fact, it was so
D�s��i�tio�
well accepted by
O�tio� 1
investors that the fund size
ure between the Invest in China, the Greater China region, offering insights into the region’s
Fund Category / Type Feeder Fund / Growth With ���m� s�m i�v�stm��t
e CIMB Group,
Hong Kong and was increased three times. The
exciting prospects as global market leaders of the future?
How about the opportunity to secure a piece of the region’s first
Investment increase
Strategy The Fund is wasa feederapproved
fund on 2 July
- minimum where
initial investment the units were
of RM1,000.
500 diversified
future that can no longer be excluded from any globally which invests at least 95% of

Taiwan. increased from 300 million units to 450 million

diversified investment portfolio? units. Two weeks
its NAV in the Schroder ISF
Greater China (a Luxembourg-
later,
O�tio� 2 it was further increased
to 550 right intomillion units China and
via the subsequently onprimarily
The CIMB-Principal Greater China Equity Fund allows
you access the heart of Greater 3 August, to 700 million
domiciled fund) which invests
in equity securities units.
With th� �as�� ��v�stm��t ���a�
- minimum initial investment of RM1,000.
Schroder ISF Greater China, an award-winning fund with of People’s Republic of China,
rkan rangkaian With the Easy Investment Plan, you can make regular
a solid performance record from Schroders Investment Hong Kong SAR and Taiwan
titusi-institusi di monthly investments of RM100 or more, directly from
Management. companies. The Fund will also
ntuk memenuhi
sehingga dana
CIMB-Principal Greater China Equity Fund aims
With investment exposure focused exclusively on the rising
maintain up to a maximum of
5% of its NAV in liquid assets.
an account held with a pre-approved bank or by
providing us with at least six post-dated cheques.
equity markets of the People’s Republic of China, Hong
bulan November
ara ahli syarikat
to achieve medium to long Manager
Kong SAR and Taiwan, the CIMB-Principal Greater China
Equity Fund gives you privileged access to the region’s
term capitalCIMB-Principal
Berhad
growth Asset Management
Wh��� Do � ��v�st?
, iaitu Kumpulan
n perkhidmatan
primarily through investment in a portfolio
upside potential by riding on its increasing dominance in
the global economy. Best of all, Asia’s treasures are now
Application Fee Up
unit.
to 5.50% ofof
the NAV per
To invest or for more information, kindly contact our

equity securities with exposure Managementto Fee & theManagement

Greater
Syarikat. within reach with a single investment! Client Service Representatives.
fee: Up to 1.80%
Call us at (603) 2084 2200
�������i��i�a�� ���at�� �hi�a ���it�� F��d Trustee Fee p.a. of NAV of the Fund.
China
Wo�ks to Yo��region
V���� ����fit consisting of the People’s Trustee Republic fee: 0.08% p.a.
(excluding foreign custodian
E-mail us at service@cimb-principal.com.my
Visit us at www.cimb-principal.com.my
與機构投資者提
以滿足客戶的不 of China,
Management fund with Hong Kong and Taiwan. In other
Invests in an award-winning Schroders Investment
proven performance words,
fee) of the NAV of the Fund,
subject to a minimum of
，我們都有。成 Quick and easy access to the equity markets of RM18,000 p.a.
銀行集團CIMB集 it is
Greater a
China feeder
region fund investing
Potentially higher returns over the long term
at least 95%
Distribution Frequency
of its NAV
Given its investment objective,
pal聯營的公司。

in the Schroder ISF Greater China

the Fund is not expected to
Hassle free without the need to open foreign
pay any distribution.
accounts
Affordability with minimum investment of RM1,000 Cooling-off Period 6 business days from the date
only the application form is received
and accepted by the Manager (for
This Fund best suits investors who: first-time individual investor only).

d Switching Policy The minimum amount for each

• Wish to participate in the upside of the
(304078-K)
switch is RM1,000 or such
amounts as the Manager may
Greater China markets from time to time decide.

• Want to seek medium to long term capital

appreciation on their investments
• Want to invest in established fund managed
by renowned fund manager

Income Distributions
For the second quarter of 2007, four funds were declared with income distribution.

SBB Strategic SBB Double Growth

SBB HGF Sequel Fund Xcess Cash Fund
Equity Fund Fund
Distribution date Distribution date Distribution date Distribution date
6 April 2007 18 May 2007 8 June 2007 1 April 2007
Income distribution Income distribution Income distribution Income distribution
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Unilink 3rd Quarter 2007 
 Events

Premier Awards Night 2007

One for the album…(left to right): Kim Thean Soo, Chan Kok Hin, Peter Miller, Dato’ Steven Yeap, Tunku Dato’ Ahmad Burhanuddin,
Noripah Kamso, Raja Noorma Raja Othman, Tan Beng Wah, Pearl Wong, Wong Joon Hian, and Cam Tupling.

CIMB Wealth Advisors honoured its top achievers during the Premier Award
Night 2007 on March 18. With the theme “Egypt – The ‘MAGIX’ Returns”,
the event, held at KLCC Convention Centre was attended by more than
1,000 guests. The Guest of Honor for the nite was Tunku Dato’ Ahmad
Burhanuddin, Chairman of CIMB Wealth Advisors and Executive Director of
CIMB Bank.
The event marked a new milestone as it is the inaugural celebration under the
new brand name CIMB Wealth Advisors. It was a prestigious celebration where
237 outstanding achievers were recognised. In joining the jovial celebration, many
consultants and guests came dressed according to the Egytian theme. The colourful
and creative costumes was a sight to behold!

The evening soared towards a higher note when our single,

double and triple qualifiers were called to the stage to receive
their awards. In between the awards presentations, there were
dance performances and a superb show by Adibah Noor.
Cheerings from the audience were heard when guests with the
most flamboyant costumes were called on stage for the Best
Dressed Contest. The evening reached its grand finale with the
grand entrance of Fiona Tahir where she was crowned as 2007
Master Builder Award Winner.

The evening has been a magical night filled with prestigious awards,
colourful flamboyant costumes, great entertainment and finally left
us with happy memory until the next Premier Awards night.

`740M:Zp_$W,cfa¥†O}£ Unilink 3rd Quarter 2007 

 Events

Recognising the Champions

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Fiona Hazfina Tahir

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 Events

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`740M:Zp_$W,cfa¥†O}£ Unilink 3rd Quarter 2007 10

Events

Up close and personal with

the winner of Master Builder Award 2007
Hazfina Binti Mohd Tahir
Winner of Master Builder Award 2003 & 2007
It was a sweet taste of victory for Fiona Tahir to be announced as the winner for Master
Builder Award 2007. “I first received the award in the year 2003 and ever since that I have
always wanted to win the award again. Four years later my wish is finally granted,” said the
Group Agency Manager of Charisma Agency.

Master Builder award is the highest award that any consultant can win for the year and the
winner is assessed on four important areas.

• Number of Direct Premier Club 2007 qualifiers

• Number of Direct New Recruits - ranked Unit Trust Consultants and Agency Supervisor
who produced RM30,000 personal sales during the contest period.
• Number of new promotions (special promotion not counted) - from direct Agency Supervisor
to Agency Manager and Direct Agency Manager to Group Agency Manager only.
• Total Group Sales - must be at laest RM40 million.

“I would like to dedicate my winning to my family and colleagues especially those in Charisma
Agency.” added Fiona. She concluded by thanking them for their support and enthusiasm,
and urged them to keep up their good work.

Unilink 3rd Quarter 2007 11

Events

Spanish Splendour!
Hola Espanol! Our Premier Club qualifiers flew off to the
land of Bullfights and Flamenco in March/April this year
for a well-deserved 5-STAR holiday. The 7-day-4-night
Madrid trip was a dream come true for many of them who
worked hard to qualify for the trip.
The qualifiers were immediately whisked off upon reaching Madrid
for a tour of the main attractions in the city such as the Espana
Square, Puerta del Sol, Cortes Square and Neptune Fountain
from the comfort of their coach. They were also given some time
to explore the nearby sights on foot but the cold air prevented
many from straying too far from the warmth of the coach. After
tucking in a hot lunch, the qualifiers had the pleasure of visiting
the Royal Palace. The local guides did a good job in explaining
the functions of the many rooms in the palace and its history.
Everyone had an early night after dinner, hoping to overcome
jetlag with a good night’s sleep.

The second day proved to be a thrilling one as the qualifiers

ventured out of Madrid and were driven to Toledo, one of the
most important centers of medieval European history. The
fortified town looked awesome from the strategic spot where the
coach stopped for photo taking sessions. The alleys and closely
built buildings exuded mysterious air that is embedded deep
in history. The qualifiers had a great time exploring the narrow
streets, listening to the stories of the buildings, appreciating
the medieval architecture and simply absorbing its culture and
atmosphere.

Unilink 3rd Quarter 2007 12

Events
Lunch was a memorable affair where the qualifiers were treated
to seafood paella and live performances of traditional songs in
a dining hall which overlook the beautiful view of Toledo. Next
on the itinerary was a short journey to the Valley of the Fallen,
completed in 1959 by General Franco to commemorate those
who died on both sides during the Spanish Civil War (1936-
1939). As the coach snaked the winding road and drew closer to
the destination, the 500 feet high cross on the peak of the Sierra
de Guadarrama came into sight.
The magnificence of it only dawned on our qualifiers after they got
down from the coach and came face to face with the entrance
to the Basilica. The enormity of the whole place, the perfect
Basilica’s architecture, and the fact that it was carved out of the
mountain was an experience not to be missed. The Basilica is
also the resting place of General Franco.
The next day promised an equally exciting trip for our qualifiers.
Avila, a World Heritage site, is another walled city with its first wall
built in 3rd century BC. It is also the birth place of Saint Teresa
de Jesus and is made up of Renaissance churches and palaces.
Our qualifiers then proceeded to the Palacia Valderrabano
Restaurant for lunch with an ambiance fit for royalties.
The final leg of the day’s trip was to Segovia. On the way, moving
windmills dotted the landscape. The first thing our qualifiers did
upon arriving here was to feast their eyes on the Alcazar, the
source of inspiration for Walt Disney’s castle. They then roam
freely amongst the twisting alleyways and the pedestrian streets
in which no vehicles are allowed. The tour of Segovia ended
at the world’s renowned, largest and best preserved Roman
Aqueduct. At night, some of our more culturally-adventurous
qualifiers went for flamenco shows which could easily be found
within the city’s vicinity.
Our qualifiers’ last day in Madrid was a “Shop Till You Drop” spree.
Being experienced shoppers, they raided the most expensive
boutiques, which dominates the colourful streets of Sol and
thronged the affordable departmental store, El Cortes Ingles
throughout the day.
Adios Spain & Hasta La Vista!
Unilink 3rd Quarter 2007 13
Events

New Look for Melaka Branch

Melaka branch took on a new look of CIMB Wealth Advisors on 8 June. The new signage was officiated by the CEO of CIMB Wealth
Advisors, Tan Beng Wah, accompanied by the Senior Vice President of West Malaysia Regional Office, Chung Yoon Shan.

Recruitment under GBOPs

The chart below shows the results of the first three GBOPs held earlier this year.

16
Butterworth 41
38
1st GBOP
26 2nd GBOP
Ipoh 16
38
3rd GBOP
23
Kota Bharu 13
12
204
Kuala Lumpur 212
563
15
Melaka 11
15

18
Johor Baru 15
18
12
Kota Kinabalu 11
9
28
Kuching 12
25
3
Miri 6
6

0 100 200 300 400 500 600

The 3rd GBOPs held in June showed record breaking results with Ipoh and Kuala Lumpur achieving the highest number of particitants
signing up. We hope to see greater results in subsequent GBOPs!

Unilink 3rd Quarter 2007 14

Training

Building New Rising Stars

BUILDING NEW RISING STARS
(BNRS) is an enhanced development
programme that is exclusively
designed for new consultants. The
programme’s objective is to develope
outstanding sales professional by
cultivating high pay-off activities
and consistent sales monitoring to
increase productivity proficiency.

Courses offered under the BNRS

include a 2-day Professional Advisory
Selling Skill Programme (PASS) and
a 12-week monitoring programme.
To enroll in this programme,
participants are required to fulfill two
pre-requisites: (1) Passed FMUTM
with LO number, and (2) Passed
Product Fundamental.
The proud line up of some BNRS graduates.

BNRS’s sales approach is very customer-oriented and it emphasizes on providing value-added services to customers. Besides that,
BNRS is also focused on developing evergreen consultants who want to build long term career with CIMB Wealth Advisors.

Since BNRS was rolled out in September 2006, the sales achievements of the different batches of BNRS were apparent (see Chart 1).
With BNRS, we are setting the right professional path for the agency force and our new consultants are guided and motivated to be
the Rising Stars.

To all our new consultants, do not miss the boat in joining the BNRS. For more details of the training schedule, contact our Performance
Development Department.

Chart 1: BNRS Achievements

6,000,000
+ 418%
5,000,000

4,000,000 + 300%
+ 286%
RM

3,000,000 + 260%
+ 201%
2,000,000
+ 124% + 158%
1,000,000

0
Shah Alam Ampang FCC Sri Petaling Ipoh Butterworth Butterworth
(B2) (B3) (B4) (B5) (B1) (B1) (B2)

BNRS Batches Target Sales Achieved

Unilink 3rd Quarter 2007 15

Training

A Certified Wealth Advisory Programme

WATC pioneer group…

If you believe the winds of change is blowing hard in this industry,

and you can benefit more from riding the wind, Wealth Advisory
Training Course (WATC) is the programme for you.

Developed by experienced planners, this prestigious programme

is designed for consultants who want to change the way they
do business and keep their competitive edge. Designed to be
flexible, the programme offers the followings:

• A product sales approach

• A single need sales approach, or
• A total financial solution approach

With this programme, you are equipped to approach any customers

at any time. We did it! Certificate recognition in completing the training.

With WATC, you can:

This is a certification programme. A Certificate of Competency will
be awarded to consultants who attend all 4 days and complete a
Stay Competitive
simple assignment.
• Stand out from other unit trust agents
• Get more new clients
Requirements:
• Existing clients will trust you more
• Passed FMUTM
• Passed PCEIA Exam
Value Added Your Service
• Attended PASS
• Upsell to existing clients
• Attended PFP
• Cross-sell to existing clients
• More referrals from new/existing clients….
Hurry up! Stay ahead in your business by signing up NOW!

Earn More Income

For more information, please contact your ADC or branch office.
• Better AUM, passive income from trailer commission
• Up-selling and cross-selling to existing clients
• Higher potential of prospects turning into your clients
• Clients who trust you will invest more
• Get more referrals

Unilink 3rd Quarter 2007 16