1. TRIGOLD © Copyright 2008 Trigold

2. TRIGOLD © Copyright 2008 Trigold RBS INTERMEDIARY 2008 ROADSHOW MORTGAGE SOURCING & SO MUCH MORE…

3. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… How to earn more by utilising Trigold more effectively? RBS INTERMEDIARY 2008 ROADSHOW

4. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… The credit crunch Effect on the mortgage market Effect on you the advisor RBS INTERMEDIARY 2008 ROADSHOW

5. TRIGOLD © Copyright 2008 Trigold RBS INTERMEDIARY 2008 ROADSHOW Tougher market reducing proc-fee income Council of Mortgage Lenders Q1 2007: 238,000 loans Q2 2008: 142,000 loans (-40%) Lowest lending since 1992 House prices (April 2008) Halifax Index = -1.1% Land Registry = -0,4% CREDIT CRUNCH

6. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… How does Trigold help? RBS INTERMEDIARY 2008 ROADSHOW

7. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… The availability of mortgage products is as difficult to maintain as it has ever been, given the volatility in the market where we see lenders pulling rates with little notice. Trigold assists you in keeping up to speed with all available lenders’ products at any one time. RBS INTERMEDIARY 2008 ROADSHOW

8. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… Trigold is more than just a sourcing system and enables you to earn income from areas other than just the mortgage product. Trigold creates a full audit trail throughout the sales process of the mortgage and mortgage related products. Pre-population of data from the fact find to all other areas creates efficiency as there is no need to re-key the same client data. RBS INTERMEDIARY 2008 ROADSHOW

9. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… There are integrations with many providers that enable you to gain quotes and submit proposals directly from Trigold, increasing efficiency and the speed of processing. No need to re-key client data will automatically pre – populate data from the fact find. RBS INTERMEDIARY 2008 ROADSHOW

10. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… Related products available: Insurance: Building & Contents, MPPI, Term – New Version 8 Conveyancing Secured loans Commercial loans RBS INTERMEDIARY 2008 ROADSHOW

11. TRIGOLD © Copyright 2008 Trigold MORTGAGE SOURCING & SO MUCH MORE… Insurance focus to version 8 RBS INTERMEDIARY 2008 ROADSHOW

12. TRIGOLD © Copyright 2008 Trigold BENEFITS TO THE ADVISOR Increase in income from insurance cross sales now and in the future Automated cost planner / quote system creates greater awareness Efficient use of client data - pre-population Automatically quotes on the advisors existing database - lead generation.

13. TRIGOLD © Copyright 2008 Trigold FURTHER ADVISOR BENEFITS All can be undertaken offline or online - flexibility Operate in a compliant manner in line with TCF Allows the advisor to provide a more efficient service to their clients At no extra cost to the advisor using the system Visit www.trigold.co.uk/version8 to view version 8 demonstration videos.www.trigold.co.uk/version8

14. TRIGOLD © Copyright 2008 Trigold SUMMARY This process will help you to earn greater levels of income whilst providing an efficient service to your clients in the provision of their needs. Giving clients peace of mind through providing long-term security Helps to make the most out of your client relationships Information is pre-populated into the insurance proposal forms providing greater efficiency

15. TRIGOLD © Copyright 2008 Trigold PROSPECTOR AAA V8.0 EDIT CLIENT SCREEN Insurance ‘Quick Quotes’ Client information Case information Affordability calculator

16. TRIGOLD © Copyright 2008 Trigold THE E-TRADING CENTRE Ability to pre populate apps from fact find data. Submit to over 50 lenders Reduces manual re –keying and administration RBS INTERMEDIARY 2008 ROADSHOW

17. TRIGOLD © Copyright 2008 Trigold THE E-TRADING CENTRE – ETC ENHANCEMENTS RBS INTERMEDIARY 2008 ROADSHOW

18. TRIGOLD © Copyright 2008 Trigold THE E-TRADING CENTRE – LENDER PROPOSITION ON THE DESKTOP RBS INTERMEDIARY 2008 ROADSHOW

19. TRIGOLD © Copyright 2008 Trigold CONVEYANCING – THE BENEFITS RBS INTERMEDIARY 2008 ROADSHOW Quick – pre-population of data from Prospector AAA. Easy – simply click the button to launch. Client service – provide a complete end-to-end client service. Income - extra revenue streams. Records – some documents returned in Prospector AAA and KFI population for accuracy. Free – both services are free to use. HOME

20. TRIGOLD © Copyright 2008 Trigold An easy, safe, profitable and free way for Trigold users to enter the secured lending market. Commissions the same as if you had gone to a Master Broker directly. Unique to Trigold: Fully integrated within Prospector AAA Multiple lenders & Master Brokers in one place Compliance documentation created automatically RBS INTERMEDIARY 2008 ROADSHOW SECURED LOANS & TRIGOLD

21. TRIGOLD © Copyright 2008 Trigold Treat Customers Fairly by offering a secured loan option. Provides an additional revenue stream. Multiple lenders & Master Brokers in one location. Intuitive application process. Electronic submission of case to Master Brokers. FREE to all Trigold standard subscribers. RBS INTERMEDIARY 2008 ROADSHOW SECURED SOURCING – THE BENEFITS

22. TRIGOLD © Copyright 2008 Trigold RBS INTERMEDIARY 2008 ROADSHOW SECURED SOURCING - STEP 1. LAUNCHING FROM PROSPECTOR AAA

23. TRIGOLD © Copyright 2008 Trigold RBS INTERMEDIARY 2008 ROADSHOW SECURED SOURCING - STEP 2. SOURCING & SELECTION

24. TRIGOLD © Copyright 2008 Trigold RBS INTERMEDIARY 2008 ROADSHOW SECURED SOURCING - STEP 3. REFER TO MASTER BROKER

25. TRIGOLD © Copyright 2008 Trigold Selecting a Master Broker For Master Broker information including commissions visit www.trigold.co.uk/securedsourcing After Referral… Master Broker will contact you. Master Broker liaises directly with client & lender. Commission paid immediately upon completion. RBS INTERMEDIARY 2008 ROADSHOW SECURED SOURCING - SELECTING A MASTER BROKER

26. TRIGOLD © Copyright 2008 Trigold Trigold provides you with the ability to earn commission by placing a commercial loan with either a Master Broker or a provider who will identify the best offering for your client on offer in the high street. Ability to submit the application on line to speed up the decision process and reduction in administration Full pre-population of data from client fact find with providers application form RBS INTERMEDIARY 2008 ROADSHOW COMMERCIAL MORTGAGES

27. TRIGOLD © Copyright 2008 Trigold The Trigold Business Academy organises professional training events designed to equip regulated financial intermediaries with the vital skills, knowledge and tools required to excel in the financial advice market. www.trigoldacademy.co.uk RBS INTERMEDIARY 2008 ROADSHOW TRIGOLD BUSINESS ACADEMY