MISSION STATEMENT Maximise returns and minimise risk for investors, within five clear risk profiles. We use advanced diversification to blend together tried and tested multi-asset strategies. This provides investors with opportunities that others can’t replicate.

TRUE POTENTIAL RANGE

WHY ADVANCED DIVERSIFICATION? No one fund manager can accurately and consistently predict the market. There will always be winners and losers. Different strategies perform differently across market phases.

OUR PHILOSOPHY ADVANCED DIVERSIFICATION Simple Multi-Asset Advanced A mixture of equities,  cash and bonds. A full range of asset classes and geographic regions from one fund manager. A blend of eight multi-asset investment strategies that finds opportunities for growth

BEHAVIOURAL SCIENCE EXPLOITING MARKET ANOMALIES AND DRIVING DOWN COSTS

BEHAVIOURAL SCIENCE FORWARD LOOKING MANAGER ENGAGEMENT Working with world-class fund managers allows us to: discover core themes for the short, medium and long term investment future manage volatility; and find opportunities for growth that others can’t replicate.

120,000 Holdings 17 Asset Classes 28 Sub-Asset Classes DATA SCIENCE WORKING AT SCALE 120,000 Holdings 17 Asset Classes 28 Sub-Asset Classes 8 World-Class Managers

DATA SCIENCE EFFECTIVENESS AT SCALE As we use our own funds in the Portfolios, we can: analyse more holdings, much faster and, more cost effectively than anyone else.

PIONEERING TECHNOLOGY ON DEMAND ACCESS You and your clients are the first to know how the Portfolios are performing with: Instant access online 24/7 Apps for mobile and tablet

PIONEERING TECHNOLOGY TOP UP 24/7 World-first impulseSave® technology Clients can add to assets from £1 Clients stay on target and reach their goals sooner

DECISION MAKERS Colin Beveridge Chris Leyland Daniel Harrison Chief Investment Officer True Potential Investments Chris Leyland Deputy Chief Investment Officer True Potential Investments Daniel Harrison Managing Partner True Potential Investments Mark Henderson Senior Partner True Potential Investments

DECISION MAKERS Richard Lloyd David Hollis Michael Rhodes Mark Colwell Managing Director UBS Asset Management David Hollis Senior Portfolio Manager Multi-Asset, Allianz Michael Rhodes Executive Director Goldman Sachs Mark Colwell Portfolio Manager Columbia Threadneedle

DECISION MAKERS Marcus Brookes Jason Collins Ritta Hujanen Head of Multi-Manager Schroders Jason Collins Head of UK Investment Management Unit, SEI Ritta Hujanen Investment Director Close Brothers Chris Darbyshire Chief Investment Officer 7IM

GLOBAL EXPERTISE AT WORK FOR YOU

INDEPENDENT REVIEW INVESTMENT COMMITTEE George Peebles Raoul Fraser Non-Executive with over 30 years legal and accounting experience Previously a Development Director of Aegon Specialisation – Mergers & Acquisitions Raoul Fraser Hedge fund Manager at John Street Capital Former Executive Director at Goldman Sachs Specialisation- Alternatives Russell Hogan Managing Partner of Dundas Global Formerly CIO then CEO of Kames Capital with responsibility for £33bn Specialisation - International Investing David Keir Head of Research Global Equities Saracen Fund Former Head of Research at SWIP UK Equities Specialisation - Company Analysis

TRUE POTENTIAL PORTFOLIOS We use advanced diversification to create Portfolios stronger than the sum of their parts. By blending active and passive strategies, and different manager approaches by each manager, we exploit market inefficiencies and lower costs.

OPTIMISING THE PORTFOLIOS Risk (Portfolios) Risk (+Portfolios) Risk (Income Portfolios)

OPTIMISING THE PORTFOLIOS Expected Return Risk-Adjusted Return Cost

REBALANCING We only rebalance when: Portfolio is not optimised on our factors There is need to allocate more or less to a particular style or strategy Underlying asset allocation can be tilted through manager selection

SUPPORTING INVESTORS Welcome Pack Customised Investment Policy Statement Personal Welcome Letter Guide to Client Site Ongoing Top up on-the-go with impulseSave® 24/7 client site online, tablet & mobile Quarterly ‘True Insight’ Magazine ‘True View’ Client Email Newsletter

TRUE POTENTIAL PORTFOLIOS THREE REASONS WHY 1. No charge for discretionary fund management 2. Advanced multi-asset diversification 3. Low cost, managed volatility & optimised for returns

TRUE POTENTIAL PORTFOLIOS SUMMARY World-class fund manager partners Advanced multi-asset diversification at low cost Pioneering investment technology