1. Welcome Member Meetings 2010 Rachel Lee Head of Member Events

2. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 2 Investment Forums 10 venues across the country CPD Points Book via the SimplyBiz website Book onto your local investment forum via the Simply Events site on the SimplyBiz website. Featuring: Fidelity Henderson GI Octopus Investments BNY Melon Skandia

3. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 3 Business Opportunity Forums How to make the RDR profitable for your firm AGENDA Business Clinic: Repositioning your business for RDR With Richard Brough, Head of Regulatory Policy at SimplyBiz Marketing Clinic: Communicating effectively with your clients post RDR Technology Clinic: How can Simply IntelliFlo Plus help you prepare for RDR? In association with Simply IntelliFlo Plus Book Now via the Simply Events Microsite at www.simplybiz.co.uk www.simplybiz.co.uk

4. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 4 2011 Events Calendar – plan your schedule 2 Rounds of Member Meetings – 29 venues 2 Rounds of Investment Forums – 1 standalone Verbatim, Intelliflo & Pension workshops Best Practice Mortgage Meetings RDR days

5. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 5 Coming Soon LV = Verbatim Funds now live on Verbatim Nine months up and running Over 1000 advisers now using the Verbatim compliant investment process Updates on Fund Availability page Online training taking place weekly on each element of the planning tools. Email planningtools@Verbatim- am.co.uk planningtools@Verbatim- am.co.uk More business development events planned for the end of 2010

6. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 6 Qualifications CIOBS route IFS DipFA JO Route RO Route Alternative Assessment Gap Fill

7. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 7 Welcome Member Meetings 2010 Rachel Lee Head of Member Liason Awarding Body CIOBS IFS CII CII Award Likely to Suit Feature QCF Level Recommended study time Diploma in Investment Planning Diploma in Financial Advice Diploma in Financial Planning Diploma in Regulated Financial Planning Experienced Advisers Experienced or Trainee Advisers Experienced Advisers Experienced or Trainee Advisers Work Relevant One Exam No Top up required Available within 9 months Structured study No Top up required Can mix RO, JO & AF 140 Credits Qualification Top up if using JO 100 Credits 5 Multiple choice exam, 1 written No qualification Top up required Level 5Level 4 Level 4 Depends on experience & Knowledge 370 Hours SimplyBiz and NMBA Guide to Examination Policies DipIPDipFADipFPDipRFP

8. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 8 SimplyBiz and NMBA Guide to Examination Policies Awarding Body CIOBS IFS CII CII Examination Format Frequency Cost 1 exam 5 case studies 3hr 15 computer exam - 50% pass mark 100 multiple choice- 70% Coursework- 50% Written fact find exam- 50% JO, RO, AF modules JO1- 2hr exam JO8- 3hr exam - 50% pass mark RO1/2=2hr multiple choice – 65% R03/5=1hr multiple choice – 70% RO6 3hr written case study – 55% Year round 30 centres Set dates for coursework and fact find exam 4 intakes Set dates JO RO1/5 year round 60 centres RO6 exam per year £695 non AIFA £655 AIFA Inc manuals registration & exam £595 IFS web tutor £495 IFS Free 1yr membership to IFS Study Text (updates) £100/£130 Exam fee £107/£142 Optional PFS membership Study text £33- £130 Exam fee £58- £162 Optional PFS membership

9. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 9 R06 Study Help NMBA Newsletter - Verridian 1 day revision courses or 7 x 1 hour virtual classroom Distance learning Practical suggestions on likely questions with specific revision sessions on those areas with model answers Look at the process of setting the answer to the question to fit with the marking scheme; identify what the examiner is looking for in the answers Pass guarantee – free material for next sitting 20% discount for NMBA members 1 day course - £185 + vat NMBA £148 + vat Distance learning - £129.99 + vat NMBA£103.99 + vat DSW Training

10. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 10 Qualification Top Up No adviser currently meets the new exam standards 3 Questions to ask - What exams do I have? - When did I achieve them? - What CPD have I previously done? Develop a strategy – evidence new and relevant knowledge, skills or behaviours from structured activity Potential gaps R01 to 5 Can minimise gap filling by selecting the new “RO’s”

11. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 11 Qualification Top Up CII - Undertaking Qualification Gap Fill At a Glance Access the Gap Fill Tool FAQ’s IFS - mapping tool exams before 1/4/2010 - www.myifslearning.comwww.myifslearning.com AIFA - www.bpp.com – Click on Course & Programme Finderwww.bpp.com

12. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 12 What Next? Learning Statement info@nmba.info Download past papers

13. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 13 Alternative Assessment Route Designed for experienced advisers CII and other professional bodies looking into it. CII estimate a cost of over £2000! Planned launch in November 2010 but no sign off yet

14. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 14 Choosing the most appropriate qualification Route New industry entrants Certificate in Financial Planning holdings only Financial Planning certificate (3 exam scheme) holders only Financial Planning Certificate (2 exam scheme) holders only FPC or Certificate in Financial Planning holders with additional or prior learning NEW DIPLOMA EXISTING DIPLOMA NEW DIPLOMA EXISTING DIPLOMA

15. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 15 New industry entrants > New Diploma in Regulated Financial Planning Why? Regulatory requirement to pass new Diploma. Meets new FSSC exam standard in full. New industry entrant Rebecca Existing financial planning qualification: None Recommended qualification route: New Diploma in Regulated Financial Planning Completion requirement: Units R01 to R06 inclusive On completion:Recieves New Diploma in Regulated Financial Planning and eligible for Dip PFS status Qualification top-up requirement:None, new FSA/FSSC exam standards met in full (R01) Financial services and ethics 20 credits (R02) Investment Principles and risk 20 credits (R03) Personal taxation 10 credits (R04) Pensions and retirement planning 10 credits (R05) Financial Protection 10 credits (R06) Financial planning practice 30 credits

16. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 16 Certificate in Financial Planning holders > Existing Diploma in Regulated Financial Planning Why? Can complete using 4 of the new R0 units (or J0 units) as existing qualification provides credits towards completion. Using R0 units reduces substancially any qualification top- up requirement. R0 units (except planning paper) are multiple choice tested so available to sit year round at 60 centres. Existing qualified adviser Suzanne Existing financial planning qualification:certificate in Financial Planning Recommended qualification route: Existing Diploma in Regulated Financial Planning Completion requirement: Using 4 new diploma units On completion:Recieves New Diploma in Regulated Financial Planning and eligible for Dip PFS status Qualification top-up requirement:pension retirement planning- met through qualification top-up e.g. CII qualification top-up tool &PFS events, technical updates, etc. Where units (R04) Pension retirement planning passed, the new diploma in Regulated Financial Planning would eb awarded (R01) Financial services and ethics 20 credits (R02) Investment Principles and risk 20 credits (R03) Personal taxation 10 credits (R06) Financial planning practice 30 credits

17. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 17 Financial Planning Certificate (3 exam scheme) holders. Existing Diploma Why? Can complete using 5 of the new R0 units (or J0 units) as existing qualification provides credits towards completion. Using R0 units reduces substantially any qualification top- up requirement. R0 units (except the planning paper) are multiple choice tested. Available all year round at 60 centres. Existing qualified adviser Steve Existing financial planning qualification: Financial Planning certificate only Recommended qualification route: Existing Diploma in Financial Planning FPC = 50 certificate credits 150 credits in total required to complete (min. 80 at diploma level or above) 20 units to choose from (New Diploma, Existing Diploma, Advanced Diploma and Certificate Completion requirement: Units R01 to R06 inclusive On completion:Recieves New Diploma in Regulated Financial Planning and eligible for Dip PFS status Qualification top-up requirement:Financial protection- met through qualification top-up e.g. CII qualification top-up tool &PFS events, technical updates, etc. (R01) Financial services and ethics 20 credits (R02) Investment Principles and risk 20 credits (R03) Personal taxation 10 credits (R04) Pensions and retirement planning 10 credits (R06) Financial planning practice 30 credits

18. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 18 Financial Planning Certificate (2 exam scheme) holders. New Diploma Why? Pass all 6 R0 units to complete, satisfying the FSSC exam standards in full. Requires 100 credits to complete (existing Diploma would require 108 credits) R0 units (except planning paper) are multiple choice so available to sit year round at 60 centres. Existing qualified adviser Daniel Recommended qualification route: New Diploma in Regulated Financial Planning Completion requirement: Units R01 to R06 inclusive On completion:Recieves New Diploma in Regulated Financial Planning and eligible for Dip PFS status Qualification top-up requirement:None, new FSA/FSSC exam standards met in full (R01) Financial services and ethics 20 credits (R02) Investment Principles and risk 20 credits (R03) Personal taxation 10 credits (R04) Pensions and retirement planning 10 credits (R05) Financial Protection 10 credits (R06) Financial planning practice 30 credits

19. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 19 FPC or Certificate in Financial PLanning holders with additonal relevant prior learning. Existing Diploma Why? Can complete using 4 of the new R0 units (or J0 units) as existing qualification provides credits towards completion. Using R0 units reduces substancially any qualification top- up requirement. R0 units (except planning paper) are multiple choice tested so available to sit year round at 60 centres. Existing qualified adviser Dave Existing financial planning qualification:Financial Planning Certificate or Certificate in Financial Planning holders PLUD additional Diploma level credits Recommended qualification route: Existing Diploma in Regulated Financial Planning Holds 70 Credits (FPC = 50 Certificate & J01= 20 Diploma) 140 Credits in total required to complete (min. 80 at Diploma level or above) 19 units to choose from (New Diploma, Existing Diploma, Advanced Diploma and Certificare) Completes: Using 3 new Diploma units: On completion:Recieves existing Diploma in Financial Planning & eligible for Dip PFS status Qualification top-up requirement:Personal taxation, Pension and retirement planning & Financial protection – met through qualification top up e.g CII qualification top-up tool & PFS events, technical updates etc. (R01) Financial services and ethics 20 credits (R02) Investment Principles and risk 20 credits (R06) Financial planning practice 30 credits

20. SimplyBiz Services plc, The Galpharm Stadium, Stadium Way, Huddersfield, West Yorkshire HD1 6PG. Registered in England under Company No. 04590781 Slide 20 Member Meeting Agenda Agenda MetLife Have you had your wake up call? Scottish Provident Cultivating Client Contact Scottish Life Con-Demned Pensions? The Current State of Pension Reform: Just Retirement Want to know how to tap into a growing opportunity & earn more? Coffee Break Friends Provident Trust Trusts to Add Value Scottish Widows 2012, why is it so important? SimplyBiz Regulatory Update 2010 Lunch / Close