1. September 9, 2008 Make it happen Current account mortgages Lawrence Della Valle, Head of The One account The RBS Intermediary Roadshow

2. 2 What we’re here to talk about Flexible v Offset v CAM Growing consumer understanding Profile of a TOA CAM customer Customer benefits What’s in it for you

3. The RBS Intermediary Roadshow 3 Flexible v Offset v CAM Flexible Mortgages Offset Mortgages Current Account Mortgages

4. The RBS Intermediary Roadshow 4 Growing consumer understanding Flexible mortgages are seen as the ‘norm’ Consumers are ‘comfortable’ with the idea of an offset....growth in current account mortgages Customers desire for face-to-face advice

5. The RBS Intermediary Roadshow 5 Profile of a typical One account customer Residential Locations Property Household Structure Financial Status Employment Status Car Status

6. The RBS Intermediary Roadshow 6 Changes in customer profile

7. The RBS Intermediary Roadshow 7 The facts about CAM Customers 40% of our customers are the 3 most affluent groups 80% of all our customers are on track to overpay their mortgages Prospering families is our largest sector Referrals is the biggest

8. The RBS Intermediary Roadshow 8 Consumer benefits Flexibility & adaptability Maximise Savings Opportunity Financial Freedom

9. The RBS Intermediary Roadshow 9 Consumer benefits

10. The RBS Intermediary Roadshow 10 The future New ‘Prospecting Zone’ Marketing Material to your customers Customer Profiling Hints & Tips

11. The RBS Intermediary Roadshow 11 Summary Consumers are open to moving to a current account mortgage Benefit those on moderate incomes & affluent Consumer debt and flexibility provides a good reason to talk to customers The One account offers a full range of customer solutions

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13. The RBS Intermediary Roadshow 13 RBS Intermediary Partners on 08459 00 11 10 The One account team Or visit rbsip.com

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