Friends Provident International Reserve Account

k E Y F A C T S

The keys to RESERVE are flexibility, adaptability and choice. The product itself, its investment links, and even the way the charges are taken, have all been designed to give maximum freedom of choice to the investor.

P R O D U C T C H O I C E

Three options

• Whole of Life
• 20 year Endowment
• Capital Redemption.

M A N A G E M E N T C H O I C E

RESERVE is available on a discretionary-managed or nondiscretionary managed basis.

A S S E T C H O I C E

RESERVE is available as

• Personalised Assets version
• Collective Investments version.

C U R R E N C Y C H O I C E

Investors can pay investments in any
freely convertible currency. Valuations
can be given
in sterling, US dollars, euro,
Hong Kong dollars or Swedish Krona.

C H A R G I N G C H O I C E

RESERVE has no pre-set charging structure.
Instead, each investor is given a Personalised Charging Structure. This reflects the unique set of charges which the investor has selected from the options made available in the charges menu.These include a flexible Establishment Charge.

S H A R E / A S S E T C H O I C E

Shares can be accepted as part of the original
or subsequent premiums. FPI will sell
the shares and invest the proceeds in RESERVE.Shares or collective assets can be
re-registered in FPIL’s name, retaining the
value within RESERVE.

The perfect combination: investment flexibility and the freedom to choose.

Reserve has been specially designed by Friends Provident International to satisfy the number one demand of international investors and their advisors: freedom of choice.

And FPI know that this freedom of choice - and the investment flexibility that goes with it - must be more than just words on a page. It must deliver genuine benefits to you, the investor.

Reserve does just this. It gives you flexibility and choice by offering the following investment and administration options, all within the same Reserve structure.

P E R S O N A L I S E D A S S E T S V E R S I O N

Personal investment selection from any asset type - allowing you to select your asset choice from a virtually limitless range including equities, bonds, investment funds and so on. Your flexibility is further enhanced by the option of investing into the Account on the following terms:

• Whole of Life
• 20 year fixed term endowment
• Capital Redemption Policy

C O L L E C T I V E I N V E S T M E N T S V E R S I O N

Investment selection from virtually any collective investment fund - this Reserve option gives you the investment choice from a very wide-ranging menu of collective investments, including unit trusts, investment trusts and OEICs. Again, flexibility is enhanced by offering the following terms:

• Whole of Life
• 20 year fixed term endowment
• Capital Redemption Policy

O T H E R F E AT U R E S

Reserve with a Capital Redemption structure - this special option allows you to select the Account with no lives assured but with a 99 year fixed term and a guaranteed maturity value. Your choice can be further refined as it is available in either a collective investment or highly personalised version.

Reserve with access to the services of a Discretionary Fund Manager - a service specially designed to allow you to forget the administrative hassle and to benefit from professional investment management. In this way, you combine maximum flexibility with minimum administration.

Reserve can also be managed without the services of a Discretionary Fund Manager or, in certain cases, it can be managed on a part-discretionary basis.

With something as individual as Reserve you would expect the costs associated with it to be personalised as well. They are.

Full details of the various charging structures are found within the specific Guides. You will see that they allow maximum flexibility according to the precise make-up of your Account - and the personal discussions you have with CSM Ltd.

WHY R E S E R V E ?

As well as all the benefits outlined already, Reserve gives you the tax advantages associated with its status as an offshore life assurance policy. It also enjoys the protection of the Isle of Man's comprehensive investor protection legislation which provides an exceptionally high degree of security and regulation.

Your choice of Friends Provident International is also a good one. We are part of the Friends Provident Group, one of the UK's top 10 life assurance companies. Established in 1832, the Group has around Ł59 billion in assets under management.

Friends Provident International has been operating in the offshore life assurance industry for nearly 25 years. It is one of the longest established companies in that industry and one well used to the specific demands of the international investor.

A G U I D E T O R E S E R V E

A comprehensive Guide is available for each of the key options within the collective investment version and the personalised assets version.

Full details of the charging structure and the assets available to you are given in the Guides to enable you to select the product best suited to your circumstances. This information must therefore be read in conjunction with the appropriate Guide.

Click Here if you would like to discuss opening a Reserve Wealth Management Account