SKANDIA INTERNATIONAL TO BECOME INTERNATIONAL Frequently Asked Questions SKANDIA INTERNATIONAL TO BECOME OLD MUTUAL INTERNATIONAL

1. WHAT IS HAPPENING? Skandia International will change its name to Old Mutual International on Monday 22 December 2014.The companies that are part of Skandia International will also change name (see question 3). Skandia International has been an integral part of the Old Mutual Group since 2006 so this change is a logical move to align ourselves more with our parent company. Becoming Old Mutual International will combine the expertise of Skandia International with the strength of Old Mutual under a single brand name. Our new name will be applied across everything that is currently branded with the Skandia International name including our logo, stationery, websites, and certain product and fund names. THERE WILL BE NO CHANGE TO: • the way your account works (your terms and conditions will not be affected and the administration of your account will continue to be dealt with in the same way) • the features of the product in which you are invested • your relationship with your financial adviser nor the relationship your adviser has with us • our phone numbers • the support you receive from AIVA.

2. WHO IS OLD MUTUAL? Old Mutual is an international, FTSE®100 company listed on both the London and Johannesburg stock exchanges. It provides long-term savings products, protection and investments for 16 million customers worldwide. Based in London, it was established in 1845, employs over 55,000 people and oversees $513.9 billion in customer investments (as at 30 June 2014).

3. WILL ANYTHING CHANGE? Anything currently using the Skandia International name will change from 22 December 2014 – examples of the key changes you should know about are listed below: • our company stationery and literature – for example, our letterheads and product brochures will adopt a new look and will show our new company logo. • our website addresses – www.skandiainternational.com will change to www.oldmutualinternational.com • our email addresses – until 22 December, you can continue to email us at our usual addresses. From 22 December, you should use our new email addresses (although please note that emails sent to old addresses after we have changed name will be redirected): UNTIL 22 DECEMBER 2014 FROM 22 DECEMBER 2014 Royal Skandia: End in @royalskandia.com Royal Skandia Trust Company: End in @royalskandiatrust.com All end in @ominternational.com Skandia Ireland: End in @skandia.ie

• certain fund names – a number of funds we provide will change name. For example the ‘RS GBP Deposit’ fund will become known as the ‘OMI IM GBP Deposit’ fund and the ‘SK IRL GBP Deposit’ will become known as the ‘OMI IE GBP Deposit’. •  account details – the names of our bank accounts will change (but our bank account sort codes and account numbers remain the same). If you make payments to us via cheque or electronically, you will need to use our new name from 22 December. If you receive regular income withdrawals, you may notice our new name on your bank statement. Frequently Asked Questions

• legal and branch company names – the legal names of the companies and branches that are part of Skandia International will change because they contain the word Skandia:

UNTIL 22 DECEMBER 2014 FROM 22 DECEMBER 2014

ROYAL SKANDIA LIFE ASSURANCE LIMITED Old Mutual International Isle of Man Limited Provides offshore investment products

ROYAL SKANDIA TRUST COMPANY LIMITED Old Mutual International Trust Company Limited Provides offshore trust company services

SKANDIA LIFE IRELAND LIMITED Provides offshore investments to investors in the UK and Old Mutual International Ireland Limited from its base in Dublin

ROYAL SKANDIA BUSINESS SERVICES LIMITED Old Mutual International Business Services Limited

4. WHAT IS THE COST OF CHANGING YOUR NAME? There is no direct or indirect cost to you in us making these changes.

5. IS MY FINANCIAL ADVISER AWARE OF THIS AND DO I NEED TO MAKE ANYONE ELSE AWARE? Yes, we have made financial advisers aware. If you have any questions about our change of name, please speak to your financial adviser in the first instance. If you are aware of anyone else who would be interested in our change of name (e.g. someone who pays into your account), please feel free to share this information with them.

Contact your financial adviser for more information. 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 & Pensions Authority. Royal Skandia Life Assurance Limited is a member of the Association of International Life Offices. Skandia International is registered in the Isle of Man as a business name of Royal Skandia Life Assurance Limited. Royal Skandia Trust Company Limited is registered in the Isle of Man under number 095926C. Registered and Head Office: PO Box 142, Skandia House, King Edward Road, Onchan, Isle of Man, IM99 3DJ, British Isles. Phone: +44 (0)1624 655 456 Fax: +44 (0)1624 655 930. Licensed by the Financial Supervision Commission of the Isle of Man. 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 Limited 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.

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