SHOULD NOT BE DISTRIBUTED TO OR RELIED UPON BY RETAIL CUSTOMERS!1

▪ An innovative blend of a Purchased Life Annuity and an Offshore Investment bond contract.

▪ Consider a client aged 75, investing £100,000, agreed 0.5% annual ongoing adviser charge.

A Unique Plan Structure

Guaranteed Annual Income Rate

@ age 75 = 5.00%

Up to 5% tax-deferred withdrawals p.a

5% of 100k = £5,000

Purchased Life Annuity Investment Bond

£5,000 tax free*£500 partial surrender† for ongoing adviser charge

£5,000 income

*The Guaranteed Income Payment is tax-free as it is less than the client’s exempt capital amount. This could change in the future. † If the partial surrender is taken from the Investment Compartment, it will proportionately reduce the Guaranteed Income Payments.

Used 0.50% of their 5% allowance Unused allowance carried over

SHOULD NOT BE DISTRIBUTED TO OR RELIED UPON BY RETAIL CUSTOMERS!2

Capital Content Allowances

Age Income Rate Capital Content Allowance Age Income Rate Capital Content Allowance

55 3.500% 3.400% 69 4.550% 5.900%

56 3.575% 3.500% 70 4.625% 6.200%

57 3.650% 3.600% 71 4.700% 6.500%

58 3.725% 3.800% 72 4.775% 6.900%

59 3.800% 3.900% 73 4.850% 7.300%

60 3.875% 4.100% 74 4.925% 7.600%

61 3.950% 4.200% 75 5.000% 8.100%

62 4.025% 4.400% 76 5.075% 8.500%

63 4.100% 4.600% 77 5.150% 9.000%

64 4.175% 4.800% 78 5.225% 9.600%

65 4.250% 5.000% 79 5.300% 10.200%

66 4.325% 5.200%

67 4.400% 5.400%

68 4.475% 5.700%