Getting you back on track Friends Provident International

Friends Provident International - where every customer counts

2 Getting you back on track Friends Provident International

Dear Policyholder

I’m taking this opportunity to write to you as someone who may have been affected in one way or another by the global recession. Our records indicate that you are no longer paying premiums, and I would like to share with you some important information about the impact this could have on your Friends Provident International (FPI) plan. All is not lost. Your FPI plan has a great deal of flexibility, When you first decided to invest in an FPI plan, your and we can help you to rectify your current situation financial adviser will have explained the benefits and resume the premiums to help you meet your financial of investing regularly over the longer term. We know goals. These are the options now available to you: our customers invest for many reasons... • restart your premiums without repaying the missed – to put money aside for children’s education payments – this will affect the final value of your – to plan for retirement or purchasing a property plan. – to simply have the financial flexibility to pursue • When you took out your plan, you and your financial a life-long ambition. adviser calculated the rate at which you should be Whatever your reason might have been, I’d like to take this saving, and it would seem sensible to aim to restart opportunity to show how we can help to get you back on your savings at that level. However, peoples’ needs track to fulfilling your original goal. change, and so do economic conditions. With this in mind, you could consider restarting your plan at a Let me illustrate the difference in returns if you were lower premium (subject to our usual minimum to resume paying in to your plan.* levels) – you can always restore your payments to Example 1... Mr. James took out a Premier in 2007 their original level later. for a 15-year term at $250 per month for school fees • Or repay the missed premiums. for his son. He has continued to pay into his plan, and if he continues for his term, the plan would potentially Included in this booklet are the appropriate forms you need be worth $69,477 at maturity. to restart payments by credit card or bank mandate. Simply complete the appropriate form and return it to Example 2... Mrs. Mark took out a Premier in 2007 us – contact details of all our offices are on the back page for a 15-year term at $250 per month for her daughter’s of this booklet. Of course, in your own best interests, school fees. In 2008 she stopped paying premiums and as a company dedicated to our relationships with both altogether after 18 months. Her plan would potentially our customers and our business partners, we recommend be worth $6,788 at maturity. that you contact your financial adviser in the first instance Example 3... Mr. Ryan took out a Premier in 2007 regarding your personal circumstances. An illustration of for a 15-year term at $250 per month for his son’s your own plan can be provided if you require. school fees. In late 2008 he stopped paying premiums. Please remember we don’t guarantee the value of your However, 10 months later, he reassessed his financial plan. It can go up and down depending on how well the position, and after talking with his financial adviser, he investments perform. You could get back less than you’ve decided to restart his payments of $250 per month for paid in. the remainder of his original term. By doing this, his plan will potentially be worth $63,420 at maturity. Mr. I do hope you decide to reconsider your current Ryan did not have to pay the premiums he missed. circumstances and resume paying into your plan. Whatever the reason you have stopped paying, the goal for Kind regards making that long–term commitment may still be there, but Paul Tunnicliffe perhaps you think that the ability to support it financially is not. Director of International Operations Friends Provident International

*The examples used are for illustrative purposes only and are not guaranteed. A 7% per year growth rate before charges has been used to calculate the values illustrated. These figures are shown before tax. How you are taxed personally when you take the benefits depends on a number of factors, but largely your country of residence. We therefore recommend that you speak to a financial or tax adviser to fully understand all the tax considerations, before you resume paying into your plan. Please note the minimum premium for a Premier Ultra plan is $1,500 per month.

Getting you back on track 3 Friends Provident International

4 Getting you back on track Banker’s Standing Order (Far East bank accounts only) *Delete as appropriate

For Monthly, Quarterly, Half-Yearly or Yearly Payments. Only applicable to Applicants with bank accounts in the Far East. Please note that some banks insist that their own Bank Instruction form is used, so you should check with your bank that they will accept this document. Please use BLOCK CAPITALS.

Name and full postal address of your Bank

To: The Manager Bank

Address

Postcode (if applicable) Account Number Sort Code (if applicable)*

Account Currency (must be completed if the account is multi-currency) SWIFT/BIC Code (if applicable)*

Account Holder’s Name IBAN (Euro payments only)*

Dear Sir, On my/our* behalf would you please pay by Bankers’ remittance to: & Shanghai Banking Corporation Limited, Main Office, 1 Queen’s Road, Central, Hong Kong, SWIFT Code HSBCHKHH, carrying out the transaction indicated within 48 hours, the sum of:

USD/GBP/EUR/HKD* (figures) USD/GBP/EUR/HKD* (words) for credit to Friends Provident International Limited, Account Number (tick one box only)

US Dollar — Account No. 511-667685-201

Sterling — Account No. 511-667685-202

Euro Transfer — Account No. 511-667685-220. IBAN: GB28MIDL40051539048574.

Hong Kong Dollar — Account No. 511-667685-001 on the day of (month) (year) and on the same day monthly quarterly half-yearly yearly quoting the Reference Number below (see Section A) until this order is cancelled in writing. Please charge the amount of the payment together with any bank and agent bank’s charges to my/our* account. Yours faithfully,

Signature(s) Signature Signature

Date (dd/mm/yyyy) Date (dd/mm/yyyy)

My/Our* Address

Postcode Country

Section A (to be completed by Friends Provident International Limited)

This Reference Number must be quoted by the Bank on all advices

Getting you back on track 5 Banker’s Standing Order (other bank accounts) *Delete as appropriate

For Monthly, Quarterly, Half-Yearly or Yearly Payments. Only applicable to Applicants who DO NOT have bank accounts in the Far East. Please use BLOCK CAPITALS.

Name and full postal address of your Bank

To: The Manager Bank

Address

Postcode (if applicable) Account Number Sort Code (if applicable)*

Account Currency (must be completed if the account is multi-currency) SWIFT/BIC Code (if applicable)*

Account Holder’s Name IBAN (Euro payments only)*

Dear Sir, On my/our* behalf would you please pay by Bankers’ remittance to: Bank, East Region, PO Box 13, Douglas, Isle of Man, British Isles, IM99 1AN, Sort Code 60-95-45, SWIFT Code RBOSIMD2, IBAN: GB48RBOS60954540038485, carrying out the transaction indicated within 48 hours, the sum of:

USD/GBP/EUR* (figures) USD/GBP/EUR* (words)

for credit to Friends Provident International Limited, Account Number 9545-40038485

on the day of (month) (year)

and on the same day monthly quarterly half-yearly yearly

quoting the Reference Number below (see Section A) until this order is cancelled in writing. Please charge the amount of the payment together with any bank and agent bank’s charges to my/our* account. Yours faithfully,

Signature(s) Signature Signature

Date (dd/mm/yyyy) Date (dd/mm/yyyy)

My/Our* Address

Postcode Country

Section A (to be completed by Friends Provident International Limited)

This Reference Number must be quoted by the Bank on all advices

6 Getting you back on track Direct Charge Authority

This form supersedes any previous instructions held. Please use BLOCK CAPITALS.

To: Friends Provident International Limited royal Court, Castletown, Isle of Man, British Isles, IM9 1RA. Telephone: +44(0) 1624 821212. Fax: +44(0) 1624 824405.

I authorise you to debit my Mastercard VISA Credit Card (7)

Name of issuing company or bank

Country of issue

Credit Card Number

Credit Card expiry date (1) (month) (year)

Name on Credit Card with the sum of (2) (figures)

(words)

(currency) in respect of premiums for my Policy Number

(3) of (month) (year) collected on the and on the same day until further notice monthly quarterly half-yearly yearly or cancelled in writing

Name of Credit Card Holder

Address of Credit Card Holder (as held by the Card Provider)

Postcode Country

Telephone number (Daytime including area code) Email address

Signature Signature

Date (dd/mm/yyyy)

Important Notes 1. When your current Credit Card expires or is replaced, we will require you to complete a new Direct Charge Authority form. 2. A charge may be applied to Credit Card payments to cover any bank charges that may be incurred according to residency. For contracts other than Premier, a charge of 2.3% is applied if you reside in the UK, Channel Islands, USA, Hong Kong, Dubai, Bahrain, Brunei, Belgium or the Netherlands. The charges for a Premier contract vary between 1% and 1.95% and are again dependent on residency. 3. The premium collection date is on average six days prior to the due date on the contract. This may vary slightly to take into account seasonal and bank holidays. 4. If you amend your premium, a new Direct Charge Authority form will need to be completed and returned to us. 5. If a payment is declined, we will automatically inform your Adviser by fax and request a duplicate payment the following month. This will apply to consecutive months if the contract remains in arrears. No more than two premiums should be collected each month until the premiums are up to date. 6. Please note that some Credit Cards cannot be used outside their country of issue and therefore we strongly recommend that you contact your card issuer to ensure your card can be used in this instance. 7. Please note that Debit Cards cannot be accepted for premium payments.

Getting you back on track 7 Our global network

Isle of Man Hong Kong Royal Court, Castletown, Isle of Man, Suites 1203-1211, Two Pacific Place, British Isles, IM9 1RA 88 Queensway, Hong Kong Monday to Friday, 09.00-17.00 GMT Monday to Friday, 09.00-18.00 local time +44(0)1624 821212 +852 2524 2027 [email protected] [email protected]

Salisbury Dubai House, Castle Street, Emaar Square, Building 6, Floor 5, , Wiltshire SP1 3SH England PO Box 215113, Dubai, UAE Monday to Friday, 08.00-17.30 GMT Sunday to Thursday, 09.00-17.00 local time +44(0)1722 311611 +9714 436 2800 [email protected] [email protected]

Singapore 63 Market Street, #06-05, 048942 Monday to Friday, 09.00-17.30 local time

+65 6327 4019 [email protected]

Friends Provident International Limited Registered & Head Office: Royal Court, Castletown, Isle of Man, British Isles, IM9 1RA Telephone: +44(0) 1624 821212 Fax: +44(0) 1624 824405 Website: www.fpinternational.com Incorporated company limited by shares Registered in the Isle of Man No. 11494 Authorised by the Isle of Man & Authority and regulated by the Financial Services Authority for the conduct of investment business in the UK Provider of life assurance and investment products Authorised by the Office of the Commissioner of Insurance to conduct long-term insurance business in Hong Kong Registered in the United Arab Emirates as an insurance company (Registration No.76) and as a foreign company (Registration No. 2013) Authorised by the United Arab Emirates Insurance Authority to conduct and savings business Registered in Singapore No. F06835G Authorised by the Monetary Authority of Singapore to conduct life insurance business in Singapore

XIM/ENG/PUP 09.09