1. 1 Why choose Friends Life Protection Account for Business Cover? This item is directed at professional financial advisers only and should not be distributed to, or relied upon by retail customers. 1

2. 2 People who go into business 2 Do it to make money Build their business as part of a dream Want to see the business survive and flourish But what if a key person becomes seriously ill or dies?

3. 3 Business Protection is about 3 Protecting the business when things go wrong with: Key person insurance Director/Shareholder Protection Partnership Protection Business Loan Protection Sole Trader Protection

4. 4 4

5. 5 Gap in the Market 5 1 in 86 firms were predicted to fail in 2010 Source: BDO Press Release 2010 1 in 86 firms were predicted to fail in 2010 Source: BDO Press Release 2010 In 2009/10 over 28.5m working days were lost due to work related ill-health or injury Source: www.hse.gov.uk/statistics/ In 2009/10 over 28.5m working days were lost due to work related ill-health or injury Source: www.hse.gov.uk/statistics/

6. 6 Friends Life Protection Account: Meeting Business Needs 6

7. 7 Key Proposition Features 7 Product & Price: Access to comprehensive Business Protection product range Quality Covers Flexible, accessible products Multi buy Discount Special quotes facility for large cases Guaranteed and reviewable payments Competitive pricing

8. 8 Key Proposition Features 8 Support Services: Pre-application financial underwriting helpline Access to Large Case Team Dedicated Business Protection section of microsite ‒ Literature ‒ Sales aids ‒ Technical Guide ‒ Presentations and video ‒ Trust forms and guides ‒ www.friendslife.co.uk/protection Business Protection technical expertise Training and seminar support

9. 9 Underwriting Options 9 AURA Intelligent Underwriting Platform AURA Intelligent Underwriting Platform Full Paper Application Full Paper Application Full Electronic Application Tele-UW Paper Application Tele-UW Electronic Application 89% of customers were completely satisfied with the service 78% would actively recommend the service to friends and colleagues 89% of customers were completely satisfied with the service 78% would actively recommend the service to friends and colleagues Stats show that full Tele- underwriting reduces non- disclosure to 1.33%

10. 10 Additional Support 10 We deliver more than a product – we deliver a complete Business Protection proposition Comprehensive product Pre-application support Technical expertise Large Case Team Marketing support Choice of application routes

11. 11 Important Information 11 The Friends Life Protection Account allows the customer to hold a number of protection covers in one place. These covers have no cash in value at any time. Covers are subject to acceptance terms and conditions. Friends Life Protection Account is available to people who, at the start of their cover, are living in England, Scotland, Wales or Northern Ireland and are aged 18 or over. Certain covers are affected by becoming resident outside of these countries. Please see the individual cover sections within the Key Features Document which is available on request. An account fee of £2 per month applies regardless of the number of covers selected. Friends Life, PO Box 1810, Bristol BS99 5SN. Telephone: 0117 989 9000. Friends Life Services Limited distributes and administers financial products and services and is authorised and regulated by the Financial Services Authority, register No. 185746 (www.fsa.gov.uk/register/home.do). A company limited by shares, registered in England No. 3424940, registered office: Pixham End, Dorking, Surrey, RH4 1QA. As part of our commitment to quality service, telephone calls may be recorded.