1. Wealth Interactive transforming business

2. is transforming How you do business with your clients How we do business with you How clients view, understand & get closer to their wealth Skandia International

3. agenda Introduction Welcome to Wealth Interactive Benefits to clients Benefits to advisers Next steps Our Portfolio Bonds

4. why are we transforming? You talked, we listened You told us you wanted: More seamless interaction with Skandia Timely information on client activity Straight through processing Better online functionality

5. welcome to Wealth Interactive Wealth Interactive is our new, innovative end-to-end wealth management service A new way of working with us thats faster, easier, more convenient Powering new Portfolio Bonds from Royal Skandia and Skandia Ireland, plus in due course all of our existing offshore portfolio bonds

6. Building stronger client relationships in the post-RDR world. Powering our new RDR- compliant portfolio bond products Demonstrating a clear, transparent, efficient service thats also excellent value for money Quality and depth of information will enrich your advice adviser benefits

7. Deeper client engagement Secure client login Pro-active alerts on client activity More reasons for dialogue Speed of service adviser benefits

8. adviser benefits Time. That valuable commodity. Reduced administration and paperwork: Online applications and illustrations Online dealing Only set up a client once Access your documents and your clients in one place Online transactions instantly validated Online client management Instant business information Bulk management of client investments - link policies to model portfolios

9. excellent functionality Client administration & management: Client set up & approvalNew business & top up applications Transaction historyClient document library ValuationsPre-sale & existing business illustrations Alerts, such as your client has requested a surrender value, or has received a letter from us Configurable alerts, e.g. anniversary plan, client birthday

10. excellent functionality Investment management: Asset research information from Morningstar Risk profiling & asset allocation tools Portfolio building & automatic rebalancing Link policies to portfolios Portfolio and fund x-ray reporting Online dealing, including bulk dealing

11. An instant transparent audit trail Business management: Your firm decides who sees what: Appropriate access to information & functionality No time delays for starters and leavers excellent functionality

12. Create, manage & monitor investment fund ranges and model portfolios Highly configurable - integrates with different adviser business models Online services to support your initial and on-going advice. adviser Alerts update you on key activities Helps you build, deliver, and put in place your recommendation then manage client plans benefits

13. Increasingly demanding customers want to be empowered by having a greater understanding of the status of their investments, to feel closer to their wealth –without necessarily wanting to take control of it. Clients want to feel closer to their investments client benefits

14. client benefits Information at their fingertips Clients have an online document library of all policy correspondence Investment information in one place e.g. Transaction historyImmediate access to the current value of their policy and its historical performance Fact sheets for the assets they hold Clients can change their personal details easily e.g. address, bank account, contact information an at-a-glance view of their investments with Skandia International and a simple, clear and transparent way to keep track of their wealth Capability to issue instructions – payments and trade Appointment of lead policyholder and view access for others

15. Clients want to feel closer to their investments Quality and transparency of interaction with you gives your clients peace of mind The most up-to-date facts possible about their policy & its performance Supporting you to help your clients achieve their long term goals Instant access to information equips your clients for more meaningful conversations with you Protected by an industry-leading security & authentication solution Wealth Interactive gives your clients information about their wealth, not the expert knowledge to manage it without you client benefits

16. corporates & corporate trustees Due to the complexities involved in corporate and corporate trustee investment, these types of customers cannot apply online through Wealth Interactive. However, once the business is live, your corporate and corporate trustee clients can be given access to Wealth Interactive, so they will then be able to monitor their investment online and enjoy the many other benefits of this service.

17. First products to be powered by Wealth Interactive in the UK Choice of jurisdiction – Isle of Man or Ireland Match your clients medium-to long-term objectives Open architecture fund range Choice of charging structures Portfolio Bond range introducing the The International Portfolio Bond, provided by Royal Skandia - life assurance and a capital redemption versions available. The European Portfolio Bond – Life, provided by Skandia Ireland – life assurance version.

18. Portfolio Bond benefits Select individual assets, link clients to model portfolio that you've built or appoint a fund adviser Have assets held by Royal Skandia/ Skandia Ireland or an external custodian Overdraft management facility Charge structures to suit your clients and adviser fee facilitation options to suit your business Select which assets withdrawals are paid from Choice of currencies in which to pay premiums and denominate their policy Fund manager rebates returned in full to the client Individual policies assignable with their own investment and withdrawal strategies

19. from a provider you can trust *Figures correct at 31 Dec 2013 Royal Skandia Life Assurance Limited and Skandia Life Ireland Limited - leading providers of offshore investment products and market-leading solutions for investors all over the world Part of the Old Mutual Group, a FTSE® 100 company, founded in 1845 and now with funds under management of £293.8 billion*

20. 'Terms of Business in place with Royal Skandia/ Skandia Ireland. We will email your Head of Firm with a link to register their 'Master User Account. Master User then sets up the rest of your firm's employees on Wealth Interactive, depending on which level of access is appropriate to them. Each user will receive their own log-on details. 123 getting started next steps Your firm is now ready to transform the way you do business with Skandia International, and enjoy the numerous benefits of Wealth Interactive If you are a member of a Network or National Account please contact your Head Office before submitting the Master User registration form to Skandia to prevent unnecessary delays in providing you access to Wealth Interactive

21. Supporting you Wealth Interactive is very intuitive and straightforward to use, but we can provide a dedicated e-business specialist to help you start using the system and answer any questions you or your colleagues may have.

22. this is just the beginning… Over the coming months we will be adding extra features to make our services even better.

23. Skandia International, part of Old Mutual Wealth, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternational.com Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0)1624 655 555 Fax: +44 (0)1624 611 715. Authorised and regulated by the Isle of Man Insurance and Pensions Authority. All promotional material is approved by Skandia MultiFUNDS Limited. Skandia MultiFUNDS Limited is authorised and regulated by the Financial Conduct Authority. Financial Services register number 165359. The rules made under the Financial Services and Markets Act 2000 (as amended) for the protection of retail clients in the UK do not apply. Royal Skandia Life Assurance Limited is a member of the Association of International Life Offices.

24. Skandia Life Ireland Limited is regulated by the Central Bank of Ireland. Registered No 309649 Administration Centre for correspondence: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU Tel: +353(0)1 479 3900 Fax: +353(0)1 475 1020 Head Office Address: Iveagh Court, 6-8 Harcourt Road, Dublin 2, Ireland. VAT number for Skandia Life Ireland is 6329649S Registered Office: Arthur Cox Building, Earlsfort Terrace, Dublin 2, Ireland. Skandia International is registered in Ireland as a business name of Skandia Life Ireland Limited.