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Transcript of Brand Story by ShamikoDesign
brandSTORYby SHAMIKO DESIGN
what is a brand?
Branding is a creation of feeling that the audience get...
what they think it is...
The brand is successful when it instills the audience
to act and purchase the product or services that the
company has to offer.
feeling
How brand works: evaluate • create • manage... It is a cycle
The Brand Cycle is a closed circle with neither a specific
beginning nor a definite end. The cycle begins at a different
point for every brand. The Brand Cycle is composed of
three phases: evaluation, creation and management.
Three phases which contribute to one unique brand world.
Cycle
Brand Analysis
Brand Protection
Brand Valuation
E V A L U AT E C R E AT E
Brand Communication
Brand World
Brand Design
Brand Naming
Brand Strategy
Brand Platform
Brand Implementation
Brand Documentation
Brand Care
Brand Review
M A N A G E
Brand Evaluation subjects the brand to a
thorough examination, discovers ways to
protect the brand, and defines the brand
value. By pulling together all the many
aspects of the brand, it reveals the true
identity of the brand.
eE VA L U AT E T H I S : B r a n d A n a l y s i s » B r a n d P r o t e c t i o n » B r a n d Va l u a t i o n
Brand Creation determines values, defines strategies, creates names,
and designs the visual identity of the brand. When brand experiences
are united into one unique world, clear messages are delivered to all
target groups through all media.
C R E AT E T H I S : B r a n d c o m m u n i c a t i o n » B r a n d W o r l d » B r a n d D e s i g n » B r a n d N a m i n g » B r a n d S t r a t e g y » B r a n d P l a t f o r m
c
Brand Management establishes the
brand, documents its rules, preserves
its heritage, and secures its future. It is
an ongoing quality audit that monitors
the brand’s success.
M A N A G E T H I S : B r a n d I m p l e m e n t a t i o n » B r a n d D o c u m e n t a t i o n » B r a n d C a r e » B r a n d R e v i e wm
What makes the brand work?D E V E L O P T R U S T | C R E AT E B R A N D A W A R E N E S S | C O N S I S T E N C Y I N D E S I G N
| P R O D U C T O R S E R V I C E P E R F O R M A N C E | M A N A G E M E N T | E X P E R T I S E O F P E O P L E |
TA K I N G C A R E O F T H E A U D I E N C E N E E D S
Everything Works inTandem!The ultimate objective is the honest intent of why you
are creating the product? What and who is it for?
When the intent is correct, everything will fall into place.
The Architecture Independent Accounting Office
P a y r o l l , a c c o u n t i n g & c o n s u l t i n g
Sh
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Sh
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Brand A
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ecture 2
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2 G
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Redwood S
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CA 9
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sham
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.com
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65
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02
Home Page Payroll Page
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The Architecture Franklin Templeton Investments
DEPARTMENTS
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RETAIL—DIVIS ION RETIREMENT—DIVIS ION
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Franklin Templeton Institutional | Franklin Templeton Capital | Franklin Templeton Bisset | Franklin Templeton Bank and Trust
FIDUCIARY TRUST INTERNATIONAL
FRANKLIN Global • Value • Growth • Growth and Income • Tax-Free • Income • Asset Allocation
TEMPLETON Global • Income • Growth
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F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
Franklin Templeton Distributors, Inc.One Franklin ParkwaySan Mateo, CA 94403-1906
Exciting News About Your Portfolio
Franklin Templeton Distributors, Inc.Post Office Box 7777San Mateo, CA 94403
EVB DDA9E 11/04
F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
Mutual Funds
Retirement Plans
529 College Savings Plans
F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
Edward Jones Due Diligence MeetingSan Mateo, California | February 2–3, 2006
FRANKLIN TEMPLETON MUTUAL SERIES
Franklin Templeton Investments
Conrad B. Herrmann, CFA
Conrad Herrmann is a Senior Vice President and portfolio manager for Franklin Advisers, Inc.,
and Director of Equity Portfolio Management for Franklin’s equity group. Mr. Herrmann is
also the portfolio manager of the Franklin Flex Cap Growth Fund, and serves in an advisory
role on a number of other growth portfolios.
Mr. Herrmann first joined Franklin in the summer of 1988, working as an intern in the Marketing
Department. He joined Franklin full-time in the Investment Advisory group as a quantitative
equity analyst in 1989. That year, he also became a fundamental research analyst, specializing
in analysis of the electronic technology sector. Initially involved in the creation of the Franklin
Flex Cap Growth Fund, he became the lead manager in July 1993.
Prior to joining Franklin Templeton Investments, Mr. Herrmann was a vice president of Aquila
Management, a mutual fund group in New York City. He joined the firm in 1983 as a fixed-
income analyst.
Mr. Herrmann received a Bachelor of Arts degree from Brown University and an MBA from
Harvard Business School. He is past president of the Security Analysts of San Francisco
(SASF) and a member of the Association for Investment Management and Research (AIMR).
Mr. Herrmann holds the designation of Chartered Financial Analyst (CFA), and is a licensed
registered securities representative and a general securities principal.
Independent and Bank Division Due Diligence Meeting
F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
EVB
DD
BIO
11
/04
Franklin Templeton Distributors, Inc.
Edward JonesDue Diligence Meeting
F R A N K L I N T E M P L E T O N M U T U A L S E R I E SFranklin Templeton Distributors, Inc.
Dealer Use Only/Not for Distribution to the Public
Thursday, February 2
Arrivals at Westin St. Francis Hotel, San Francisco
Upon your arrival at the airport, a Franklin Templeton Investments
representative will meet you at the baggage carousel assigned to your flight.
9:00 a.m.–5:00 p.m. Franklin Templeton Investments Registration Desk
Westin St. Francis Hotel
Tower Building, First Floor, Tower Salon B
Hotel check-in is at 3:00 p.m.
2:00 p.m.–5:00 p.m. Business Meeting
Westin St. Francis Hotel
Tower Building, First Floor, Tower Salon A
Business Casual Attire
2:00 p.m.–2:20 p.m. Welcome
Bob Geppner
National Sales Manager
Franklin Templeton Distributors, Inc.
2:20 p.m.–3:20 p.m. Edward Jones Update
Ken Cella
Principal, Mutual Funds Marketing
Edward Jones
3:20 p.m.–3:35 p.m. Break
3:35 p.m.–4:05 p.m. The Franklin Templeton Investments Story
Bob Geppner
National Sales Manager
Franklin Templeton Distributors, Inc.
AgendaSan Mateo, California | February 2-3, 2006
Please note, from both a firm and regulatory standpoint, your attendance at all business meetings is mandatory for FranklinTempleton Investments to pay the costs of your hotel accommodations and airfare. Spouses and guests are not permittedto attend any business meetings or meal functions.
Not FDIC Insured | May Lose Value | No Bank Guarantee
EV
BN
T12
/04
Franklin Templeton Distributors, Inc.
Breakfast Admittance Ticket
Print Name Room Number
1 U . S . R E T A I L M A R K E T I N G C O R P O R A T E
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O F F S H O R E F U N D S | A L T E R N A T I V E S T R A T E G Y F U N D S
Franklin Mutual SeriesTempleton Fiduciary
FRANKLIN TEMPLETON INVESTMENTS
PODIUM SIGN
Franklin Templeton Investments
Welcomes
Edward Jones
F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
Franklin Templeton Investments
Welcomes
Edward Jones
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F R A N K L I N T E M P L E T O N M U T U A L S E R I E S
Prospecting Card to Clients
Postcard to Dealers
Thank You Notecards to Dealers
Manager’s Perspective
Franklin Flex Cap Growth Fund
M A N A G E R ’ S P E R S P E C T I V E G R O W T H
Not FDIC Insured | May Lose Value | No Bank Guarantee
3RD QUARTER 2005
Conrad B. Herrmann, CFA, portfolio manager of Franklin Flex CapGrowth Fund, discusses the fund’sinvestment strategy and opportunitieshe sees going forward.
As of June 30, 2005, the fund’s ClassA shares outperformed its Lipper peergroup average, in total return, for the 3-, 5- and 10-year periods.1 It also outperformed its benchmark index(Russell 3000® Growth Index) overthese same periods.2 What are somereasons for the fund’s relative shorter-term and longer-term success?
I believe one reason is our flexible
investment approach; we’re not locked
into a particular market capitalization
size or industry. We can invest in any
company in any industry ranging from
small, emerging companies with unique
products, to large, well-established
companies, which have stood the test
of time.
Another reason is that we don’t arbi-
trarily invest in just any company that
might be showing growth. Each security
on our buy list must have a clear driver
for its future growth—which is not fully
reflected in the current stock price—and
demonstrate an appropriate trade-off
between risk and potential return.
What is a “driver of growth”?
Basically, we classify drivers of growth
into four foundation blocks of our
fundamental analysis: 1) market opportu-
nity, such as serving an under-penetrated
market or participating in good secular
industry growth; 2) competitive position,
such as creating brand equity, proprietary
intellectual property, product innovation,
or addressing a unique market niche;
3) management and execution, involving
an assessment of management’s ability to
deliver on stated goals, and understand-
ing whether there are proper rewards and
incentives in place; and finally 4) financial
strength and profitability, involving an
in-depth review of financial statements
and focusing on companies that are
creating shareholder value through
generating strong returns on invested
capital or experiencing good operating
leverage through margin expansion.
How do you and your research teamselect the fund’s holdings?
Our extensive research team scrutinizes
every potential holding from the bottom
to the top of its capital structure. We
have over 40 equity investment profes-
sionals working very closely with over
a dozen high-yield bond professionals,
all sharing a common research database.
Unless otherwise noted, fund performancefigures in this brochure reflect Class A and do not include the maximum 5.75%initial sales charge. If they had, returnswould have been lower. Performance datarepresent past performance, which doesnot guarantee future results. Current performance may differ from figures shown. The fund’s investment return andprincipal value will change with marketconditions, and you may have a gain or aloss when you sell your shares. Please callFranklin Templeton Investments at 1-800/DIAL BEN® (1-800/342-5236) orvisit franklintempleton.com for most recentmonth-end performance.
1. Source: Lipper, Inc., 6/30/05. Lipper rankings do not includesales charges. Past performance does not guarantee futureresults.2. Source: Standard & Poor’s Micropal. Indexes are unmanaged,and one cannot invest directly in an index.
Manager’s Perspective
2ND QUARTER 2004
Templeton China World Fund
M A N A G E R ’ S P E R S P E C T I V E I N T E R N A T I O N A L
Not FDIC Insured | May Lose Value | No Bank Guarantee
Dr. Mark Mobius applies his 30-plus
years of experience in the emerging
markets arena to Templeton China
World Fund, which he has managed
since its 1993 inception.
In this Manager’s Perspective,
Dr. Mobius discusses the economic,
political and investment environment in
China, as well as Templeton China
World Fund’s impressive performance.
Do you expect China’s unprecedentedeconomic growth to continue in thenear future?
Mobius: It is fairly clear that China hasnot yet reached its full economic poten-tial. Therefore, we believe strong growthof the Chinese region should continue inthe future. Our bullish attitude towardChina can best be summarized in twowords: growth and size. China is nowthe world’s fastest-growing majoreconomy, and the most populous. Theramifications of a country whoseeconomy is growing at 8% while itspopulation is increasing at less than 1%are enormous because of the rapid risein per capita income.1
Admittedly, the average income inChina is low, but the population, likeany other, is stratified with very high-income, middle-income and low-incomeearners. This means that not only is thecountry an export powerhouse, but itis also rapidly becoming an importpowerhouse with domestic consumptionrising very rapidly.
Many have attributed much of China’ssuccess to its vast cheap labor pool. Isupward pressure on wages an issue weshould be concerned with?
Mobius: I don’t think so. Labor costs perhour in 2002 were just US$0.60 inChina, compared to developed marketswhere the cost ranged from US$17.50 inthe UK to US$20.80 in the U.S. andUS$24.90 in Germany. China has alabor force of 744 million, half of whichis still engaged in agriculture.2 The biggap in income distribution betweenurban and rural areas should continue toencourage workers to move to cities forjobs, providing a strong labor supply tothe industrial sector. In addition, thereare still many state-owned enterprisesundergoing restructuring that, oncecomplete, will release more workers tothe private sector. Job creation has been atthe top of the government’s agenda and,for the near term, it does not appear thatupward pressure on wages will become aserious threat to the economy.
What about skilled workers?
Mobius: As some sectors within the indus-tries move up the value chain, we may seesome upward pressure on wages of skilledworkers. But if we compare the wage levelof skilled workers in China with that ofthe OECD (Organization for EconomicCooperation and Development) countries,such as Australia, Hungary and Japan,China still has a way to go. This large gapshould basically allow the country tomaintain its competitiveness over the nextdecade. We must also remember that
China has been taking advantage of pro-ductivity increase mechanisms such as theintroduction of modern management tech-niques, and more productive equipmentand machinery.
China’s spectacular economic growthhas also spurred corruption. Will that bea big problem over the coming years?
Mobius: Some form of corruption willlikely continue to take place in China, asit is a normal part of the convergence ofan ex-state economy to a free marketeconomy. So far, corruption in Chinahas been more of a social problem thanone that is seriously affecting the run-ning of private businesses. We notice thegovernment is taking severe measuresagainst corruption, especially in caseswhere the state’s interests were infringedupon. Those are good efforts, but overthe longer term, we believe corruptionproblems can only be solved when thecountry becomes more affluent and theadministration better structured withofficials being better compensated.
1. Source: World Bank.2. Source: CIA, The World Factbook, 2003.
Manager’s Perspective
David Winters, chairman and
CEO of Mutual Series Fund, Inc.,
discusses the group’s newest
offering, Mutual Recovery Fund.
David, in a period when many funds have been consolidating or disappearing, why are you rolling out Mutual Recovery Fund?
Winters: I can sum it up in a single
word—opportunity. Throughout much
of the ’90s, we weren’t finding many
compelling valuations. But over the
last several years we’ve seen increasing
opportunities—especially in distressed
securities. (See chart at right.) The fund’s
goal is long-term capital appreciation,
and we will seek to achieve this by
utilizing Mutual Series’ unique three-
pronged value approach, investing in
distressed securities, intrinsic value
opportunities and arbitrage situations.
Please describe Mutual Recovery Fund.
Winters: Mutual Recovery Fund is a
continuously offered, closed-end invest-
ment company. Its principal investment
goal is capital appreciation. Franklin
Mutual Advisers, LLC, is the fund’s
manager. We seek to achieve superior,
risk-adjusted returns with a low correla-
tion to U.S. equity markets by taking
long and short positions in equity and
fixed income securities.
What type of investor should considerthis fund?
Winters: This fund is for sophisticatedinvestors with a long-term perspectivewho are looking to diversify their portfo-lio. It should complement their portfoliorather than be a core holding. Due to thenature of its investment focus, the fundis likely to experience more volatilitythan other Mutual Series funds. It alsomay react very differently than the stockand bond markets because performanceof the fund’s holdings will rely more on factors surrounding the specific securities selected than on broad marketmovements. In that regard, it may servewell in helping diversify a portfolio.
What does continuously offered,closed-end investment company mean?
Winters: As with most mutual funds,investors can purchase shares any daymarkets are open, however shares are notredeemed daily. Instead, the fund has a
fundamental policy to provide investorswith access to their money by makingquarterly tender offers at net asset value(NAV) for 5%–25% of the fund’s out-standing shares. In unusual circumstancesthe fund might suspend or postpone atender offer subject to approval by thefund’s Board of Trustees. As there willnot be a secondary market for the shares,they are unlikely to experience one of thedownsides of many closed-end funds—apersistent market price discount from NAV.
1. Source: E. Altman, NYU Salomon Center, Stern School of Business. Distressed debt is defined as having a yield-to-maturity spread greater than or equal to 1,000 basis points overcomparable Treasuries. Some years not shown because no surveyresults were available.
Mutual Recovery FundSEEKING TO THRIVE IN A WORLD OF DISTRESSED OPPORTUNITIES
M A N A G E R ’ S P E R S P E C T I V E V A L U E
Not FDIC Insured | May Lose Value | No Bank Guarantee
NOVEMBER 2003
Face Value Market Value
1999 2000 20011990 1992 1993 1995 1998
$1,000
$800
$600
$400
$200
$0
2002
The Increasing Opportunities in the Defaulted and Distressed Public and Private Debt Market ($Billions)1
3 U . S . R E T A I L M A R K E T I N G F U N D S P E C I F I C B Y I N V E S T M E N T M A N A G E R
CLIENT USE
Investor’s Guide Annual Report
Sales WrapperRate Card
Prospectus
Fund Fact Sheet
Fund Fact SheetInvestor’s Guide Annual Report
Sales Wrapper Prospectus
Fund Fact SheetInvestor’s Guide Annual Report
Sales Wrapper Prospectus
A N I N V E S T O R ’ S
G U I D EFranklin Growth Fund
B L E N D
Franklin Income Fund
Seeking income and growth potential?
A diversified portfolio?
An impressive 54-year track record?
Consider Franklin Income Fund. This highly diversified portfolio combines stocks and bonds to offer high, currentincome and prospects for capital growth. Spreading assetsacross multiple asset classes and industries also helps toreduce the inherent risks associated with investing.
A Proven, Long-Term History (Class A)
• Uninterrupted dividend payments for 54 years.
• Positive average annual total returns in every rolling calendar five-year period since its inception.2
• A diversified portfolio consisting of 45.9% stocks, 45.7% bonds and 8.4% cash.3
• Distributed capital gains in 50 of the past 54 calendar years.
Past performance does not guarantee future results.1. Yield, calculated as required by the Securities and Exchange Commission (SEC),is based on earnings of the fund’s portfolio during the 30 days ended 4/30/03. Pleasesee the reverse for the fund’s average annual total returns.2. Class A shares only. Average annual total returns do not include the current, maximum 4.25% initial sales charge. 3. As of 2/28/03. Holdings are subject to change.
NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
Class A 30-DayStandardized Yield (4/30/03) . . . . . . 6.31%1
Templeton Foreign FundA N
I N V E S T O R ’ SG U I D E
I N T E R N A T I O N A L
Mutual Shares FundA N
I N V E S T O R ’ SG U I D E
V A L U E
Franklin California Tax-Free Income Fund
The SEC has not approved ordisapproved these securitiesor passed upon the adequacyof this prospectus. Anyrepresentation to the contraryis a criminal offense.
C L A S S A , B & CP R O S P E C T U S
AUGUST 1, 2003
Templeton International (Ex EM) Fund
Templeton Global Investment Trust
The SEC has not approved ordisapproved these securitiesor passed upon the adequacyof this prospectus. Any representation to the contraryis a criminal offense.
C L A S S A & CP R O S P E C T U S
AUGUST 1, 2003
FranklinMutual Series Fund Inc.
Mutual Beacon Fund – Class A, B & C
Mutual Financial Services Fund – Class A, B & C
Mutual Qualified Fund – Class A, B & C
Mutual Shares Fund – Class A, B, C & R
Mutual Discovery Fund – Class A, B, C & R
Mutual European Fund – Class A, B & C
The SEC has not approved or disapproved these securitiesor passed upon the adequacyof this prospectus. Any representation to the contraryis a criminal offense.
P RO S P E C T U S
MAY 1, 2003
FUND GOAL
The fund seeks capital appreciation by
investing most of its assets in common
stocks of large, well-established compa-
nies the managers believe are suitable
for a buy-and-hold strategy.
Ongoing market volatility can dramat-
ically impact the fund’s short-term
returns. Current performance may
differ from figures shown. Please call
Franklin Templeton Investments at
1-800/DIAL BEN® (1-800/342-5236),
or visit us at franklintempleton.com,
for current performance. The fund’s
investment return and principal value
will change with market conditions,
and you may have a gain or a loss when
you sell your shares. Past performance
does not guarantee future results.
BLENDFRANKLIN GROWTH FUND
6/30/03
FUND DATAAssets ............................. $1.8 billion
Number of Holdings1 ................... 112
Inception .............................. 3/31/48
Beta2 ......................................... 0.95
Dividends .......... Annually in December
Symbol
Class A Class B Class C Class R
FKGRX FKGBX FRGSX FGSRX
$10,000Initial
Investment
Franklin Growth Fund–Class A3
$2,108,176
3/48 12/61 12/89 5/0312/75
AVERAGE ANNUAL TOTAL RETURNS
As of June 30, 2003
All Sales Charges3 Without Sales Charges
Since SinceClass Inception 1-Year 5-Year 10-Year Inception 1-Year 5-Year 10-Year Inception
A 3/31/48 -8.24% -1.39% 8.01% 10.23% -2.65% -0.21% 8.66% 10.34%
B 1/1/99 -7.23% — — -3.11% -3.37% — — -2.71%
C 5/1/95 -5.32% -1.17% — 6.87% -3.39% -0.96% — 7.00%
PORTFOLIO BREAKDOWN1
1. As of 5/31/03. Holdings are subject to change.
2. Source: Thomson Financial, 6/30/03. Beta measures a fund’smarket-related risk over a three-year period. The S&P 500® Index has abeta of 1.00. A beta lower than 1.00 indicates historically lower volatilitythan the index; higher than 1.00 indicates historically higher volatility.
3. Class A: Figures reflect the current, maximum 5.75% initial salescharge. Prior to 8/3/98, these shares were offered at a lower initialsales charge; thus actual returns may differ. Effective 5/1/94, the fund
implemented a Rule 12b-1 plan, which affects subsequent performance.Class B: Figures include the applicable contingent deferred sale charge,which is 4% in the first year, declining to 1% in the sixth year, andeliminated thereafter. Class C: Figures include the 1% initial salescharge and 1% contingent deferred sales charge to the extent applica-ble. Class B and C shares have higher annual fees and expenses thanClass A shares.
TOP 10 HOLDINGS1
Pfizer Inc. . . . . . . . . . . . . . . . 3.5%Amgen Inc. . . . . . . . . . . . . . . . 3.4%Johnson & Johnson . . . . . . . . . 3.1%3M Co. . . . . . . . . . . . . . . . . . 2.9%IBM Corp. . . . . . . . . . . . . . . . . 2.8%
Northrop Grumman Corp. . . . . . 2.5%Computer Sciences Corp. . . . . . 2.3%General Dynamics Corp. . . . . . . 1.9%Schering-Plough Corp. . . . . . . . 1.9%Genentech Inc. . . . . . . . . . . . . 1.8%
Health Technology 24.2%Producer Manufacturing 18.9%Electronic Technology 16.9%Technology Services 10.8%Transportation 4.8%Consumer Services 4.1%Consumer Non-Durables 3.1%Commercial Services 3.0%Other 13.2%Cash 1.0%
GROWTH OF A $10,000 INVESTMENT
March 31, 1948–May 31, 2003
NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
FUND DATA1
Assets ............................ $10.3 billion
Number of Holdings ..................... 190
Inception ............................... 10/5/82
Beta2 ......................................... 0.86
Dividends ...... Annually, in October and,if necessary, December
Symbol
Class A Class B Class C Class R
TEMFX TFRBX TEFTX TEFRX
FUND GOAL
Templeton Foreign Fund seeks long-term
capital growth by investing at least 80%
of its net assets in equity securities of
companies outside the United States.
Ongoing market volatility can dramat-
ically impact the fund’s short-term
returns. Current performance may
differ from figures shown. Please call
Franklin Templeton Investments at
1-800/DIAL BEN® (1-800/342-5236),
or visit us at franklintempleton.com,
for current performance. The fund’s
investment return and principal value
will change with market conditions,
and you may have a gain or a loss when
you sell your shares. Past performance
does not guarantee future results.
INTERNATIONALTEMPLETON FOREIGN FUND
AVERAGE ANNUAL TOTAL RETURNS
As of June 30, 2003
All Sales Charges3 Without Sales Charges
Since SinceClass Inception 1-Year 5-Year 10-Year Inception 1-Year 5-Year 10-Year Inception
A 10/5/82 -11.64% 1.05% 6.27% 12.20% -6.23% 2.24% 6.90% 12.52%
B 1/1/99 -10.60% — — 3.07% -6.92% — — 3.47%
C 5/1/95 -8.84% 1.30% — 4.57% -6.96% 1.50% — 4.69%
GEOGRAPHIC BREAKDOWN1
1. As of 6/30/03. Holdings are subject to change.
2. Source: Thomson Financial, 6/30/03. Beta measures a fund’s market-related risk over a three-year period. The MSCI® EAFE Index has a betaof 1.00. A beta lower than 1.00 indicates historically lower volatilitythan the index; higher than 1.00 indicates historically higher volatility.
3. Class A: Figures reflect the current, maximum 5.75% initial salescharge. Prior to 7/1/92, these shares were offered at a higher initialsales charge; thus, actual total returns would have been somewhatlower. On 1/1/93, a plan of distribution was implemented for these
shares under Rule 12b-1, which affects subsequent performance.Class B: Figures include the applicable contingent deferred sales charge,which is 4% in the first year, declining to 1% in the sixth year, andeliminated thereafter. Class C: Figures include the 1% initial salescharge and 1% contingent deferred sales charge to the extent applica-ble. Class B and C shares have higher annual fees and expenses thanClass A shares.
4. Source: Standard & Poor’s Micropal, 5/31/03. Index is unmanagedand includes reinvested dividends. One cannot invest directly in an index.
TOP 10 HOLDINGS1
Cheung Kong Holdings Ltd. . . . . 2.5%Aventis SA . . . . . . . . . . . . . . . . 2.2%Volkswagen AG . . . . . . . . . . . . . 2.1%Samsung Electronics
Company Ltd. . . . . . . . . . . . . . 1.9%Rodamco Europe NV . . . . . . . . . 1.7%
Koninklijke Philips Electronics NV . . . . . . . . . . . . 1.7%
Hutchison Whampoa Ltd. . . . . . . 1.5%CLP Holdings Ltd. . . . . . . . . . . . 1.5%UPM-Kymmene Corp. . . . . . . . . 1.5%Shell Transport & Trading
Company PLC . . . . . . . . . . . . . 1.5%
6/30/03
Europe 46.5%Asia 29.3%North America 6.1%Latin America/Caribbean 2.7%Other 1.8%Fixed Income 2.1%Cash 11.5%
Templeton Foreign Fund–Class A3
$106,015$92,780MSCI® EAFE Index4
10/82 12/87 5/0312/93 12/99
$10,000Initial
Investment
GROWTH OF A $10,000 INVESTMENT
October 5, 1982–May 31, 2003
NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
FUND GOAL
Mutual Shares Fund seeks capital appreci-
ation, with income as a secondary goal, by
focusing on undervalued stocks, arbitrage
opportunities and distressed securities.
Ongoing market volatility can dramat-
ically impact the fund’s short-term
returns. Current performance may
differ from figures shown. Please call
Franklin Templeton Investments at
1-800/DIAL BEN® (1-800/342-5236),
or visit us at franklintempleton.com,
for current performance. The fund’s
investment return and principal value
will change with market conditions,
and you may have a gain or a loss when
you sell your shares. Past performance
does not guarantee future results.
VALUEMUTUAL SHARES FUND
1. As of 6/30/03. Holdings are subject to change. Significant holdingsdo not necessarily reflect the fund’s top holdings.
2. Source: Thomson Financial, 6/30/03. Beta measures a fund’smarket-related risk over a three-year period. The S&P 500 Index has abeta of 1.00. A beta lower than 1.00 indicates historically lower volatilitythan the index; higher than 1.00 indicates historically higher volatility.
3. Prior to 11/1/96, only a single class of fund shares was offered withouta sales charge and Rule 12b-1 expenses. Returns shown are a restate-ment of the original class to include both the Rule 12b-1 expenses
and the following current sales charges applicable to each share class.Class A: Maximum 5.75% initial sales charge (prior to 8/3/98, fundshares were offered at a lower initial sales charge). Class B: Figuresinclude the applicable contingent deferred sales charge, which is 4%in the first year, declining to 1% in the sixth year, and eliminated there-after. Class C: Figures include the 1% initial sales charge and 1%contingent deferred sales charge to the extent applicable. Class B andC shares have higher annual fees and expenses than Class A shares.
4. Source: Standard & Poor’s Micropal 5/31/03. Indexes are unman-aged, and one cannot invest directly in an index.
6/30/03
GROWTH OF A $10,000 INVESTMENT
35 Years Ended May 31, 2003
$10,000Initial
Investment
Mutual Shares Fund–Class A3
$778,155
5/68 12/76 12/94 5/0312/85
$320,223S&P 500®
Index4
Insurance 10.1%Food Beverage & Tobacco 9.9%Media 7.4%Materials 5.6%Banks 4.1%Transportation 2.3%Diversified Financials 2.1%Other 15.5%Fixed Income 13.9%Cash 29.1%
PORTFOLIO BREAKDOWN1
FUND DATA1
Assets .............................. $8.1 billion
Number of Holdings ..................... 309
Inception ................................. 7/1/49
Beta2 ......................................... 0.52
Dividends ....................... Semiannually
Symbol
Class A Class B Class C Class R
TESIX FMUBX TEMTX TESRXAVERAGE ANNUAL TOTAL RETURNS
As of June 30, 2003
All Sales Charges3 Without Sales Charges
Class Inception 1-Year 5-Year 10-Year 35-Year 1-Year 5-Year 10-Year 35-Year
A 7/1/49 -4.16% 3.62% 11.04% 13.29% 1.68% 4.85% 11.70% 13.48%
B 7/1/49 -2.99% 3.99% 11.13% 13.12% 1.00% 4.26% 11.13% 13.12%
C 7/1/49 -0.95% 3.98% 10.84% 12.14% 1.03% 4.19% 10.95% 12.17%
SIGNIFICANT HOLDINGS1
White Mountains Insurance Group Inc. . . . . . . . . . . . . . . . 3.5%
Berkshire Hathaway Inc. . . . . . . 2.5%Washington Post Co. . . . . . . . . . 2.1%Altadis SA . . . . . . . . . . . . . . . . 1.9%British American Tobacco PLC . . 1.9%
International Steel Group . . . . . . 1.9%Liberty Media Corp. . . . . . . . . . 1.6%Nestle SA . . . . . . . . . . . . . . . . 1.2%Bundesrepublik Deutschland
(Fixed Income) . . . . . . . . . . . . 1.2%Lagardere SCA . . . . . . . . . . . . . 1.2%
NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE
Franklin Income Fund
I N C O M E
Templeton Foreign Fund
I N T E R N AT I O N A L
Mutual Qualified Fund
V A L U E
01.22.07 9 of 14
Franklin Tax-Free Income Funds
I N V E S T W I T H A TA X - F R E E L E A D E R
Franklin Tax-Free Income Funds Brochure TF XBLDR
Mutual Series Funds Brochure MS XB
The Architecture Fiduciary Trust International
Toolbox
FONTSIMAGESCOLORSLOGO
Fiduciary Trust International ID System 03.19.07 1 of 5
SABON
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SABON SMALL CAPITALS & OLD STYLE FIGURES
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FONTS
IMAGES
IMAGE STRIPUsed as a graphic element in Educational Insights. Potentially used for Capabilities Brochure.
ARCHITECTURAL IMAGEUsed as cover art for Visa-Debit Card and mastheads.
LOGOFont used for K/O logotype is Caslon.
COLORSPRIMARY
FIDUCCMYKc0 m100 y55 k10 Uncoated
SPOTPMS 187 CoatedPMS 200 Uncoated
FIDUC Grn 01CMYK:c40 m30 y60 k25308-6 U
SPOTPMS 450 U
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10% K
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Wealth that Endures®
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SECONDARY
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FOR BOTH 2-COLOR AND CMYK JOBS:
RULES measure 0.5 pt and print 25% K
TABLE SCREENS print 7% K and 15% K
TRADE GOTHIC BOLD 2
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Clear Space
One way to emphasize the logo is to ensure a certain distanceto other graphic elements; Therefore, a clear space has beendefined. The clear space is either 1/4 or 1/2 the logo widthand must always be respected.
xxx1x = 1/4 of logo width2x = 1/2 of logo width
Fiduciary Investment Management International, Inc.
1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036
FIDUC E10DC 09/05
Fiduciary Trust International ID System 03.19.07 2 of 5
Stephen C. ThormahlenPresident and Chief Executive Officer
Fiduciary Investment Management International, Inc.1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036tel (202) 822-2110tel (888) 621-3464fax (202) 822-2118email [email protected]
Fiduciary Investment Management International, Inc.
1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036tel (202) 822-2110tel (888) 621-3464fax (202) 822-2118www.ftci.com
Fiduciary Investment Management International, Inc.
1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036tel (202) 822-2110tel (888) 621-3464fax (202) 822-2118www.ftci.com
Fiduciary Investment Management International, Inc.
1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036
FIDUC E10DC 09/05
Stephen C. ThormahlenPresident and Chief Executive Officer
Fiduciary Investment Management International, Inc.
1133 Connecticut Avenue, NW, Suite 330Washington, DC 20036
tel (202) 822-2110tel (888) 621-3464fax (202) 822-2118
email [email protected]
Stationery
Business Card
Compliment Card Letterhead (81⁄2 x 11)
Envelope (#10)
Letterhead (Monarch) Envelope (Monarch)
Envelope (10 x 13)
SignageFiduciary Trust International of Delaware
Fiduciary Trust International of California
Fiduciary International, Inc.
Fiduciary InternationalIreland Limited
Fiduciary FinancialServices Corp
Finished
Suggested Lockups
Tier 1
Fiduciary Trust International ID System 03.19.07 3 of 5
Marketing Folde
LIT. CODE: FIDUC FOL
Wealth that EnduresTM
SAS Brochure
LIT. CODE: FIDUC SAS
Unique Sheet
LIT. CODE: FIDUC US
Solutions That Perform
F I D U C I A RY T R U S T C O M PA N Y I N T E R N AT I O N A L
Capabilities Brochure (proposed design direction)
LIT. CODE:
GUIDE TO THE
Uniform Prudent Investor Act
A model Uniform Prudent Investor Act (UPIA) was promulgated by the national
Conference of Commissioners on Uniform State Laws in 1994 and recommended for
enactment by the states. The UPIA allows trustees and similar fiduciaries to employ
modern portfolio theory to guide investment decisions, and evaluates a fiduciary’s
conduct based on a strategy for the total portfolio, rather than on the selection of
individual assets. In addition, the UPIA makes the following alterations in the former
criteria for fiduciary investment: a) the tradeoff between risk and return is identified
as the fiduciary’s central investment consideration; b) categoric restrictions on types
of investments have been abrogated; c) the concept that fiduciaries should diversify
portfolio investments has been integrated into the definition of prudence; d) the
much criticized rule of trust law forbidding the trustee to delegate investment and
management functions has been reversed (some jurisdictions impose notice require-
ments not mandated by the UPIA); and e) the trustee may be relieved from liability
from acts of the agent, if certain requirements are met.
It should be noted that charitable foundations and private trusts are subject to sim-
ilar investment rules. The UPIA is applicable to foundations organized in trust form.
Charitable corporations, on the other hand, are governed in many jurisdictions by the
Uniform Management of Institutional Funds Act (UMIFA).
As of September 2005
A state-by-state analysis of investment legislation
governing trusts and foundations
Uniform Prudent Investor Act
LIT. CODE: FIDUC UPIA
GUIDE TO THE
Uniform Principal and Income Act
The Uniform Principal and Income Act (“UPAIA”), issued by the National Conference of
Commissioners on Uniform State Laws, has the basic purpose of providing guidelines for
trustees in defining principal and income. The Act, which was originally promulgated in
1931, was substantially revised in 1962 and 1997.
The UPAIA of 1997 is a companion to the Uniform Prudent Investor Act of 1994, and
provides the means to implement an investment regime embodied in the prudent investor
rule—investment for total return under modern portfolio theory. The shift to a total return
approach intensified the competing interests between the current and remainder benefi-
ciaries of a trust, placing the trustee in a dilemma between investing for growth of capital
and providing fair distributions to current beneficiaries who are entitled to trust income.
The UPAIA of 1997 revolutionized the administration of trusts by providing potential solu-
tions to the dilemma, permitting trustees discretionary power to adjust allocations between
income and principal to meet income needs of current beneficiaries and preserve principal
for future beneficiaries. This new approach is found in Section 104 of the UPAIA. Another
widely-used approach is the unitrust option, permitting a trustee to convert a conventional
income trust to a total return trust, under which the payout to the income beneficiary is a fixed
percentage of the trust’s market value. The UPAIA does not provide for a unitrust approach.
As of September 2005, thirty-eight states have adopted (or have pending) the UPAIA, or
substantial portions thereof. Of the states that have not adopted the UPAIA, Delaware, Louisi-
ana, New Hampshire, and South Dakota have enacted some form of total return legislation.
Eight states have adopted neither the UPAIA nor any other form of total return legislation.
Included in this guide is information on the key aspects of total return legislation includ-
ing: a) a default rule of either the power to adjust approach, as found in UPAIA Section
104, or traditional income allocation principles; b) the unitrust approach as an opt-in
provision with a statutory distribution percentage; c) mandatory court approval to opt into or
opt out of a unitrust approach, or both; d) safeguards to protect the trustee from liability
for the good faith exercise or non-exercise of these important new powers; and e) an abuse
of discretion standard that protects a trustee from liability for a good faith decision to
exercise or not exercise the power to adjust.
As of September 2005
A state-by-state analysis of legislation
to define trust income
Uniform Principal and Income Act
LIT. CODE: FIDUC UPIAS
Tier 2
TAX PERSPECTIVES
Spring 2006
NEW YORK
WASHINGTON, DC
MIAMI
FORT LAUDERDALE
LOS ANGELES
SAN MATEO
WILMINGTON
LONDON
HONG KONG
GRAND CAYMAN
The Evolving Tax CodeHow We Got Where We Are
The last massive overhaul of our tax laws
occurred under the Reagan administration.
Largely remembered for its tax cuts, the
legislation sharply reduced the top marginal
personal income tax rate to 33% for most
people. This overhaul built upon earlier
Reagan reforms that had reduced top mar-
ginal personal rates from 70% to 50%.
Although the Reagan era also dramatically
reduced capital gains rates, the showstopper
20% long-term capital gains rate did not
solidify until the 1990s.
Nonetheless, the legislation cut both ways. For
example, many working middle class Americans
found that their taxes actually increased under
the Reagan legislation. Whatever was gained by
lower marginal rates was frequently offset by
the partial loss of deductions.
This occurred because the legislation also
introduced a number of stealth tax increases.
In other words, imposing complex limitations
and ceilings on deductions and personal
exemptions serves the same purpose as
increasing tax rates.
On the more esoteric side, the legislation also
put the brakes on the once-booming cottage
industry of real estate tax shelters.
The 1986 reform codified two important
concepts:
Passive Loss Limitations. These rules placed
severe restrictions on taxpayers’ ability to
deduct passive losses, that is, losses stemming
from activities in which they don’t actively
participate.
At-Risk Rules. These rules limit taxpayers’
ability to use borrowed capital to generate losses.
Most significantly, the so-called Tax Reform
Act of 1986 broadened the reach of the
alternative minimum tax (AMT). The AMT
was originally intended to ensure that very
wealthy Americans pursuing esoteric tax
strategies paid some minimum level of tax.
After the application of certain exemptions and
thresholds, the AMT works to deny deductions
that are allowable under the regular tax.
Because the AMT’s thresholds are not indexed
A
Trust Topics Newsletter
LIT. CODE: FIDUC TTPOW
Tax Perspectives Newsletter
LIT. CODE: FIDUC TAXTOP
Statement of Accounts Guidebook
LIT. CODE: FIDUC CSG
Tier 3
page 1 of 5
Mr./Mrs./Ms.
Mr./Mrs./Ms.
FIDUCIARY TRUST CHARITABLE GIVING FUNDDonor Contribution Agreement
INSTRUCTIONS
Please complete this form to establish an account in the Fiduciary Trust Charitable Giving Fund with your irrevocable gift of $5,000 or more.
Using black ink, please print clearly in all CAPITAL LETTERS. Information in bold indicates a required field. Return this completed, signed agreementto your Fiduciary Trust Portfolio Manager. Your Fiduciary Trust Portfolio Manager must enter this information online and fax the completed, signed form to the Renaissance Charitable Foundation, Inc. at (317) 843-5417.
For your convenience, additional forms are available at fiduciarytrust.com. Please contact your Fiduciary Trust Portfolio Manager for additionalassistance. Before you complete this agreement, please:
1. Read the Fiduciary Trust Charitable Giving Fund Program Circular.
2. Evaluate your philanthropic goals.
3. Discuss with your Portfolio Manager how the Fiduciary Trust Charitable Giving Fund can meet your charitable giving needs.
4. Decide if you want to establish a donor-advised fund account as an individual or include others.
A DONOR INFORMATION
INDIVIDUAL DONOR OR JOINT DONORS
DONOR 1: (Information required)
First name M.I. Last name Date of birth (mm/dd/yyyy) Social Security Number
Street address City State ZIP
Telephone E-mail
( )
DONOR 2:
First name M.I. Last name Date of birth (mm/dd/yyyy) Social Security Number
Street address City State ZIP
Telephone E-mail
( )
TRUST, CORPORATION OR OTHER ENTITY
Taxpayer ID Number Trust name/Entity
Street address City State ZIP
Telephone E-mail
( )
Trustee/Authorized signor name, position at firm:
FIDUCIARY TRUST CHARITABLE GIVING FUND
Charitable Giving Brochure
LIT. CODE: FIDUC CGB
Donor Program Circular
FIDUCIARY TRUST CHARITABLE GIVING FUND
Charitable Giving Circular
LIT. CODE: FIDUC CGCIR
Charitable Giving Form
LIT. CODE: FIDUC CGFA
Tax Alert
LIT. CODE: FIDUC TRB
Disclosure Statement
LIT. CODE: FIDUC DS
Privacy Statement
LIT. CODE: FIDUC PS
Quarterly Newsletter
LIT. CODE: FIDUC JAQ
The Architecture Franklin Bank and Trust
Franklin Templeton Bank and Trust ID System — Toolbox: Images, Colors, Logo 04.16.07 01
IMAGES
LOGO COLORS
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Sub Grn 02
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Mut 01
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FTI Gold 01
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Secondary Color
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ADVISOR DIRECTED TRUST ™
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3.26.07 page 1
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ADVISOR DIRECTED TRUST ™ G R A N T O RG U I D E
Fee Schedule Flyer
The following fee schedule applies to our Advisor Directed Trust services.
Annual Trustee Fees1
(subject to a minimum annual fee of $2,000)
Fees assessed quarterly based on market value of assets at the end of each calendar quarter.
First $1,000,000: 0.50%
Next $4,000,000: 0.35%
Remainder: Negotiable
Annual Tax Preparation Fee
$200 to $350, depending on the complexity of the return.
This Schedule of Fees is subject to periodic change. Notification of change will be sent
to the trustor’s address on file (or to the beneficiaries in the event of the trustor’s death)
30 days prior to the date the change takes effect. Fees in this schedule are charges for
usual and customary services. If a trust requests FTB&T to perform special services,
additional charges may apply. Fees will be applied first to income and then to principal,
unless otherwise specified in trust documents. The sale of trust assets may result in
adverse tax consequences. An hourly fee and other charges may apply for services required
to terminate a trust, transfer an account or make a final distribution of assets.
1. This fee schedule applies only to the services provided by Franklin Templeton Bank & Trust, F.S.B. (“Trust Company”) as the directed trustee ofthe Trust. Any investment management fees charged by the Trust’s appointed investment advisor are in addition to the Trust Company’s fees andare subject to the terms of a separate advisory agreement between the Trust and the investment advisor.
FTBT SFC 12/05
ADVISOR DIRECTED TRUST™
S C H E D U L E O F F E E S
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ADVISOR DIRECTED TRUST ™
Franklin Templeton Bank and Trust ID System — Advisor Direct Trust Products 04.16.07 02
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