We have pleasure in releasing the new edition of the Sanlam Futura Product Guide. This edition reflects all the latest changes including the T-Day changes and 2016 annual revision of administration fees and contingency reserve account levies (communicated to all clients during January 2016 as part of the annual rate revision process).We have also reduced the termination charges in line with those of other product options under the Sanlam Umbrella Fund. Other changes are mainly of a cosmetic nature to make the product guide an easier read.