Fair Investment Company LimitedProposition

A presentation to Close Brothers Limited

1 April 2011

“Billions of pounds are left in accounts paying little interest. But there is an alternative”

About Fair Investment

Established 2000, by 2008 a leading price comparison and lead generation site

Since 2009, launched savings, investments and pension services

Simple execution-only services Focus on strong brands £m Assets Under Influence

Innovative online marketing and distribution

Operating several online brands fairinvestment.co.uk, ISA.co.uk, simplysavingsaccounts.co.uk

Access to key internet players gocompare.com, uSwitch.com

ISAs, Savings and Investments

ISA, Investments,Savings and

other FDM Deals

Brands operated by Fair Investment

Brands operated by FDM

ISA / Savings distribution

partners

Distribution

Our vision

To triple assets under influence/management by 2014/15

By providing:

Execution only service for savings, investments and pension

Services for individuals, businesses and charities

Bespoke solutions through Fair Investment Company

Solutions that enable investors to make informed choices

Excellence in Customer Service

What we offer

Established infrastructure and scalability providing:

Access to a wide audience – Personal, Businesses, Charities and Clubs Proven success in online marketing distribution

Strong focus on service providing:

A dedicated investment team Client retention at maturity

Strong working relationships with leading brands

RBS Royal Deposit Plan3 Year Fixed Rate Top Rate 4.1%

Total BusinessPersonal – ISA

Personal – Non ISA

Business

Charity/Club

Pension

Average InvestmentAverage per full month

Available in 8 tranches from February 2010 to February 2011

Deliver leading savings rates for:

Personal – Direct Investment, ISA and Pension Non-Personal – Businesses, Charities and Clubs

Distribution through fee based practices, and direct

Part of the Close Brothers Group plc:

Amongst the largest 250 companies in the UK Strive to achieve excellence through the core strategy across a range of financial services Long Term Rating A Assets under management £6.2 billion

‘The group continues to focus on developing its three key business areas: pursuing growth in Banking; maintaining its position as a leading market-maker in Securities; and transforming Asset Management to create a leader in UK wealth and asset management.’ Interim Report 2011

Working together

Fair Investment Company Limited delivers a cost effective solution providing:

Distribution to a wider audience online Help with delivering online applications, and paper based processes Strong client focus, pre and post sale Strong maturity process, aimed at retaining a minimum of 60% of clients

Close Brothers Limited delivers leading savings rates for:

Personal – Direct Investment, ISA and Pension Non-Personal – Businesses, Charities and Clubs

Source: moneyfacts.co.uk 31st March 2011

Market Analysis Fixed Term Savings (Personal Non ISA) Provider Product Term Rate Minimum

Deposit

Principality 3 Year Fixed Rate Bond

3 Years 4.26% £500

United National Bank

3 Year Fixed Deposit

3 Years 4.25% £1

KRBS 3 Year Fixed Rate Bond

3 Years 4.25% £500

SAGA 3 Year Fixed Rate Bond Issue 22

3 Years 4.15% £100

Principality 5 Year Fixed Rate Bond

5 Years 5.01% £500

AA Internet 5 Year Fixed Rate

5 Years 5.00% £1

KRBS 5 Year Fixed Rate Bond

5 Years 4.75% £500

SAGA 5 Year Fixed Rate Savings

5 Years 4.65% £1

Aldermore 5 Year Fixed Rate Account

5 Years 4.60% £1,000

Cash ISAProvider Product Term Rate Minimum

Deposit

Santander Flexible Cash ISA

Instant 3.30% £1

Bank of Cyprus UK

Cash ISA Bond 1 Year 3.30% £1

Cater Allen Private Bank

One Year Fixed Rate ISA

1 Year 3.30% £5,100

Barclays Bank Golden ISA Instant 3.25% £1

Cheshire BS 1 Year Fixed Rate ISA

1 Year 3.20% £1,000

Business /CharityProvider Product Term Rate Minimum

Deposit

United Trust 50 Day 50 Day Notice 2.05% £500

Investec Bank Business High 5

3 Mth 2.05% £50,000

Santander Business Reward Saver

Instant 2.00% £30,000

Monmouth-shire BS

Corporate Direct 30

30 Day 1.75% £5,000

Teacher BS Treasurers’ 25 25 Day 1.60% £20,000

Projected Investment Amounts

Assumptions: Based on 6-8 week tranches Minimum Investment Amount of £5000 Commission of 0.3%, payable per annum or upfront

Compared to fixed rate savings

Personal Non ISA ISA inc. Transfers Business / Charity / Club

Pension Total

3 Year Investment Investment Investment Investment Investment

Market Leading £7,000,000 £3,500,000 £3,500,000 £750,000 £14,750,000

Above Average £4,000,000 £3,000,000 £3,000,000 £600,000 £10,600,000

Average £2,000,000 £2,500,000 £3,000,000 £500,000 £8,000,000

Poor £1,000,000 £1,500,000 £2,500,000 £300,000 £5,300,000

5 Year Investment Investment Investment Investment Investment

Market Leading £10,000,000 £3,500,000 £1,500,000 £750,000 £15,750,000

Above Average £6,000,000 £3,000,000 £1,000,000 £600,000 £10,600,000

Average £3,000,000 £2,500,000 £1,000,000 £500,000 £7,000,000

Poor £1,500,000 £1,500,000 £750,000 £300,000 £4,050,000

Summary

Fair Investment Company Limited offer:

Cost effective way of achieving volume which only rewards us if we deliver Ten years online marketing distribution experience Proven track record of success Strong client focus and retention Strong relationship with brand to deliver benefits to both parties Help with delivering online applications, and paper based processes

“Traditional marketing, sales and distribution is about sticking to the normal; thinking beyond the normal is about looking at what can be, and achieving more.”

Questions / Next Step

George Ladds, Business Development Manager T: 0117 933 5559M: 07801 515769

E: georgel@fairinvestment.co.uk David Doulton, DirectorT: 0117 933 5502M: 07725 556112E: davidd@fairinvestment.co.uk