Employee Benefits Presentatiom

1. Employee Benefits Administered by

2. Summary of Benefits

3. Summary of Benefits Plateau will match up to 3% of employee contributions. Retirement Income At age 65 Pension Scheme Funding Cover Provider Benefit

4. Summary of Benefits Fully funded by Plateau 4 times Salary Group Life Plateau will match up to 3% of employee contributions. Retirement Income At age 65 Pension Scheme Funding Cover Provider Benefit

5. Summary of Benefits Fully funded by Plateau 60% of salary for a max claim period of 5 years Income Protection Fully funded by Plateau 4 times Salary Group Life Plateau will match up to 3% of employee contributions. Retirement Income At age 65 Pension Scheme Funding Cover Provider Benefit

6. Summary of Benefits Fully funded by Plateau Business Healthcare Private Health Fully funded by Plateau 60% of salary for a max claim period of 5 years Income Protection Fully funded by Plateau 4 times Salary Group Life Plateau will match up to 3% of employee contributions. Retirement Income At age 65 Pension Scheme Funding Cover Provider Benefit

7. Summary of Benefits Fully funded by Plateau Business Healthcare Private Health Fully funded by Plateau 60% of salary for a max claim period of 5 years Income Protection Fully funded by Plateau 4 times Salary Group Life Plateau will match up to 3% of employee contributions. Retirement Income At age 65 Pension Scheme Funding Cover Provider Benefit

8. Life Assurance Provider

9. Life Assurance 4 x Salary Level of Cover Provider

10. Life Assurance 4 x Salary Level of Cover On Death Payable Provider

11. Life Assurance 4 x Salary Level of Cover £65,000 Maximum Salary for free cover On Death Payable Provider

12. Life Assurance 4 x Salary Level of Cover Nomination of Beneficiary Death Benefit Direction £65,000 Maximum Salary for free cover On Death Payable Provider

13. Life Assurance 4 x Salary Level of Cover Tax Free Tax Treatment Nomination of Beneficiary Death Benefit Direction £65,000 Maximum Salary for free cover On Death Payable Provider

14. Life Assurance 4 x Salary Level of Cover Affected by the Lifetime Allowance Unless……. Tax Free Tax Treatment Nomination of Beneficiary Death Benefit Direction £65,000 Maximum Salary for free cover On Death Payable Provider

15. Life Assurance 4 x Salary Level of Cover Affected by the Lifetime Allowance Unless……. Tax Free Tax Treatment Nomination of Beneficiary Death Benefit Direction £65,000 Maximum Salary for free cover On Death Payable Provider

16. Income Protection Provider

17. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover Provider

18. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover If unable to work due to sickness or disability Payable Provider

19. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover £75,000 Maximum Salary for free cover If unable to work due to sickness or disability Payable Provider

20. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover 13 Weeks Deferred Period £75,000 Maximum Salary for free cover If unable to work due to sickness or disability Payable Provider

21. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover Taxed as though Income Tax Treatment 26 Weeks Deferred Period £25,000 Maximum Salary for free cover If unable to work due to sickness or disability Payable Provider

22. Income Protection 60% x Salary with a maximum claim period of 5 years Level of Cover Taxed as though Income Tax Treatment 26 Weeks Deferred Period £25,000 Maximum Salary for free cover If unable to work due to sickness or disability Payable Provider

23. Private Healthcare Provider

24. Private Healthcare Full In-patient & Out-patient treatment covered Level of Cover Provider

25. Private Healthcare Full In-patient & Out-patient treatment cover Level of Cover If referred by your GP Payable Provider

26. Private Healthcare Full In-patient & Out-patient treatment covered Level of Cover £0.00 p.a. Excess If referred by your GP Payable Provider

27. Private Healthcare Full In-patient & Out-patient treatment covered Level of Cover Employee only Partners & family may be added Membership £0.00 p.a. Excess If referred by your GP Payable Provider

28. Private Healthcare Full In-patient & Out-patient treatment covered Level of Cover Benefit-in-Kind Tax Treatment Employee only Partners & family may be added Membership £0.00 p.a. Excess If referred by your GP Payable Provider

29. Private Healthcare Full In-patient & Out-patient treatment covered Level of Cover Travel Insurance Additional Benefits Benefit-in-Kind Tax Treatment Employee only Partners & family may be added Membership 0.00 p.a. Excess If referred by your GP Payable Provider

30. Pension Scheme But will it be complicated ? I want to fund for retirement

31. Contribution levels Membership is voluntary Plateau will match employee contributions to a maximum of 3% of base pay

32. Example Female aged 30 earning £40,000

33. Example Female aged 30 earning £40,000 = £80.00 Employee pays 3%

34. Example Female aged 30 earning £40,000 = £100.00 Plateau pays 3% = £80.00 Employee pays 3%

35. Example Female aged 30 earning £40,000 = £100.00 Plateau pays 3% = £20.00 Inland Revenue = £80.00 Employee pays 3%

36. Example Female aged 30 earning £40,000 = £200.00 Total Contribution = £100.00 Plateau pays 3% = £20.00 Inland Revenue = £80.00 Employee pays 3%

37. Example Female aged 30 earning £40,000 = £200.00 Total Contribution = £100.00 Plateau pays 3% = £20.00 Inland Revenue = £80.00 Employee pays 3%

38. How much will I get back ? Lifetime pension of £14,200 per annum Or Tax Free Sum £69,300 Plus Reduced pension of £10,600 per annum £277,000 5% Investment Growth

39. How much will I get back ? Lifetime pension of £29,100 per annum Or Tax Free Sum £114,000 Plus Reduced pension of £21,800 per annum £457,000 7% Investment Growth

40. Why Aviva ?

42. Financial Strength

43. Aviva £379 Billion Assets under Management Standard & Poors Rating “AA-” “ Very Strong”

44. Charges

45. Charges 1.25% p.a. Annual Fee £1.25 - £6.50 Monthly Fee 60% - 100% Allocation 5% Initial Older Style Pension Charge

46. Charges 1.00% p.a. 1.25% p.a. Annual Fee Nil £1.25 - £6.50 Monthly Fee 100% 60% - 100% Allocation Nil 5% Initial Older Style Pension Charge

47. Investment Options 3 main choices

48. Fund Range Japan Pacific Emerging Markets Technology Global EquityTracker External Stockmarket Collection Global Baillie Gifford Stockmarket Global Equity Tracker International UK Equity Income Overseas Tactical UK Index Tracker UK Equity UK Equity Tactical UK Smaller Co’s Socially Responsible Equity Ethical North American European European Smaller European Tactical Balanced Passive Universal Balanced Collection External Balanced Collection Balanced Manager of Managers Index Linked UK Government Bond Property UK Fixed Interest UK Corporate Bond Overseas Bond Long Gilt UK Long Corporate Bond High Yield Corporate Bond With-Profits Cautious 80/20 Defensive Managed 70/30 Defensive Managed 60/40 Cautious Managed UK Fixed Interest & Global Equity Tracker 50/50 Cautious Managed With Profits Growth Cash Higher Risk Above Average Average Below Average Minimal

49. Investment Partners

50. Scheme Default Fund

51. AVIVA Balanced Managed

53. Lifestyling Years from retirement Cash Long Gilts ULC 100% 0% >10 9 8 7 6 5 4 3 2 1 3 months 80% 60% 40% 20%

54. Major Features

55. Tax-free lump sum Single charge Pension Scheme offers No penalties for transfer or early retirement Employer contributions Portability - individual contract Tax efficient savings

56. Communication

57. Information Pack

58. www.aviva.co.uk

59. Planning for Retirement

60. What do I do next?

61. Do nothing !

62. Just confirm how much you wish to pay… ...No paperwork required !

63. www.staffbenefits.net

64. Employee Benefits Administered by