RL360 is based in the Isle of Man, a location firmly established as one of the world’s leading financial offshore centres. The Isle of Man is a British Crown dependency which has enjoyed the stability of its own Government for over 1,000 years, having one of the Oldest established parliaments anywhere in the world. Over the last 25 years the Isle of Man has developed into one of the largest

off shore insurance and investment centres in the world, renowned as a leading base for international life assurance business due to extensive financial regulation. Our regulation in the Isle of Man ensures professional and sound

management which guarantees that the interests of investors are protected. It is from here that we have built a strong reputation for providing quality

service and products in the international and expatriate markets.

INVESTING IN THE ISLE OF MAN

• Owners of policies issued by RL360 Insurance Company Limited receive the protection of the Isle of Man Compensation of Policyholders protection scheme, which covers an amount equal to 90% (subject to the provisions of the scheme) of RL360’s liability where it is unable to meet its financial obligations. RL360 reserve the right to adjust the returns to cater for any levy or charge made on it under the regulations or similar legislation.

POLICYHOLDER PROTECTION

REGULAR CONTRIBUTION PLANS

REGULAR CONTRIBUTION PLANS

The potential benefits of both the premium incentive and the loyalty bonus can be further demonstrated in the example graphs below.

The above graphs assume an annual growth rate of 6.0% after the contract charge and any external fund management charges have been deducted. The figures are for illustration purposes only and are not guaranteed. You might get back more or less than this. The situations are designed solely to provide an example of the potential growth of a Quantum

policy assuming 2 different premium terms. Specialist advice should be taken before any investment is made or tax strategy implemented.

Each example shown assumes that premiums have been paid throughout the premium term.

$800,000

$700,000

$600,000

$500,000

$400,000

$300,000

$200,000

$100,000

$0

25 years at 6% pa growth

Fund value without loyalty bonus 6.25% loyalty bonus

$320 $750 $1,200

$350,000

$300,000

$250,000

$200,000

$150,000

$100,000

$50,000

$0

15 years at 6% pa growth

Fund value without loyalty bonus 3.75% loyalty bonus

$320 $750 $1,200

Monthly premium Monthly premium

$186,009

$450,475

$725,326

$11,626

$28,155

$45,333

$3,066

$7,412

$11,924

$81,771

$197,660

$317,963

LOYALTY REWARDED

SINGLESUMINVESTMENT

SINGLE SUM INVESTMENT

• Smart investment solution with access to 1,000s of funds, looked after in a place with 1,034 years of political stability could make for 1 happy client flying high at 24,000 feet and rising…

SINGLE SUM INVESTMENT

Including RL360 Personal Investment Management Services & other companies products

By splitting your initial investment of GBP 100,000 during 1999 into the following sectors, as set out below, its value on 20 July 2013 would have been GBP 357,812.71, a 257% increase. As you can see from the graph, the diversified approach has a much flatter profile as risk is spread across sectors and ultimately has resulted in greater gains.

• IMA Property 25.00%• IMA European Smaller Companies 20.00%• IMA Global Emerging Markets 20.00%• IMA Asia Pacific including Japan 10.00%• IMA Technology & Telecom 10.00%• IMA UK Smaller Companies 10.00%• IMA Specialist 5.00%

The open-architecture nature of a PIMS Flexible policy makes maintaining a portfolio of investments simple, not only because you have access to thousands of potential investments, but because you can switch between investments at any time without having to worry about incurring a charge to tax. This allows you to quickly adapt your investment strategy in response to changes in the marketplace.

SUM OF THE BENEFITS

1999 2001 2003 2005 2007 2009 2011 2013

Past performance may not be repeated and must not be used as a guide to future performance.

500,000

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

0

Demo nstrating Diversification PIMS TR in GB [363,378.33]

IMA Technology & Telecoms TR in GB [186.602.54] 01/11/1998 - 30/07/2013 © Data provided by Morningstar 2014

INDEPENDENTDISCRETIONARYMANAGEMENTSERVICES (IDMS)

Through this service, Newport provides independent 3rd party portfolio management for financial advisers and their clients around the world. The IDMS combines the asset allocation and fund management skills of Momentum Global Investment Management Ltd with the fund research and portfolio management skills of Newport.

The IDMS is an ideal solution for financial advisers looking to outsource the management of their client portfolios to a dedicated investment management team with the appropriate knowledge and experience. The IDMS is an established service that has been managing money on behalf of financial advisers for over 10 years and is available for both single and regular investment plans.

OVERVIEW

Asset allocation provided by Momentum (London based, FSA regulated)

Use asset classes such as equities, property, bonds, hedge strategies & cash

Create core asset allocations for specified levels of risk (Harmony) Active in tactically altering asset allocation weights towards value Strong focus on risk targeted returns

THE IDMS FRAMEWORK

Asset Allocation(MGIM)

Part 1

I. Core allocations (Harmony) and fund selectionII. Satellite allocations (identify where portfolio is underweight after

building the core)III. Analysis of fund availability/menus for respective platformsIV. Quantitative and qualitative analysis of the available funds (after

filtering)V. Fund selection and monitoring

THE IDMS FRAMEWORK

Part 2

Portfolio Construction(NPW)

Dealing / Switching / rebalancing Close contact with MGIM regarding tactical asset allocation changes Monitoring performance of selected core and satellite funds Regular market reports from Momentum Quarterly performance reporting

THE IDMS FRAMEWORK

Ongoing Management(NPW)

Part 3

NEW PERSPECTIVES EM EQUITY INCOME FUND

Newscape Capital Group is pleased to announce the launch of the New Perspectives EM Equity Income

The actively managed Fund aims to provide income and capital gains from investing in emerging market equities. The managers invest using a ‘value’ approach focusing on mis-priced and misunderstood stocks, regardless of their weight or presence in the standard capitalisation weighted indices. The portfolio management team combines quantitative and fundamental research to identify the most attractive emerging market opportunities from a wide range of emerging companies quoted on the Emerging, Frontier, and Developed World stock markets.

Robert Swift, the Fund’s Lead Portfolio Manager, states that “this Fund is distinctly different from many other Emerging Market funds available, in that it explicitly seeks dividend income from emerging market stocks regardless of the stock market on which they are listed. It certainly isn’t an ‘index fund’. We are aware that ‘Emerging Market’ assets have had poor returns over the last few years and we also acknowledge that many emerging market economies face difficult strategic economic positions. However there are good reasons why this is now an attractive time to invest in Emerging Markets and to invest in this Fund.

NEW PERSPECTIVES EM EQUITYINCOME FUND

Newscape suggest the following 3 reasons are worth considering:

1. As equity markets fall so the risk premium rises. At current levels, for certain emerging markets, future returns are likely to be very attractive. After a period of poor returns and evidence of change, future returns are likely to be better since valuations are low.

NEW PERSPECTIVES EM EQUITYINCOME FUND

2. Newscape believes there will be a significant benefit to investors from incipient changes in economic policy in Emerging Markets. They anticipate a Chinese economy that is less reliant on exports, and asset price inflation, and increasingly geared towards domestic consumption; the beginnings of liberalisation in India and Indonesia toward foreign direct and portfolio investment; and likely political change in Brazil. All these would be positive developments for risk assets. This will result in better returns from existing stocks and future opportunities offered by new companies floated on the stock markets.

5

10

15

20

25

30

35

40

Dec‐04 Dec‐05 Dec‐06 Dec‐07 Dec‐08 Dec‐09 Dec‐10 Dec‐11 Dec‐12 Dec‐13

MSCI Emerging Market Index (MXEF) MSCIWorld Index (MXWO)

Price to Earnings Ratio

Source: Bloomberg

3. Emerging Market stocks are ‘inefficient’ and active managers can make excess returns relative to an index. The experienced managers apply time tested value based investment principles in stock selection, and portfolio construction, and have the expectation of better returns and lower levels of volatility..

NEW PERSPECTIVES EM EQUITYINCOME FUND

EM Equity Income Fund ManagementEduardo TomacelliPortfolio ManagerEduardo is Portfolio Manager with overall responsibility for portfolio construction and day to day running of the Fund. With over 27 years experience in global equity investing, he worked previously at Sagitta Asset Management and prior to that, was responsible for $1.6 bn at Mercury Asset Management. Eduardo launched and managed the Mariner strategy from 2000.Responsible for EMEA and Latin America

Najib El-RayyesPortfolio ManagerNajib has 15 years experience in fund management managing both long-only portfolios and systematic hedge fund strategies. Formerly, he was a fund manager at Mariner Capital Partners and prior to that, managed a technology and biotech portfolio at Sagitta Asset Management Ltd.Responsible for EMEA and Latin America

Fahad Hassan, CFAPortfolio ManagerFahad has 11 years experience in fund management managing bothretail and institutional North American Equity mandates for Legal and General Investment Management. He combines fundamental screening with detailed understanding of industry specific drivers to generate investment ideas. Fahad is a CFA institute charter holder. Responsible for EMEA and Latin America

Robert SwiftLead Portfolio ManagerAs Lead Portfolio Manager, Robert has responsibility for both macro- economic and stock research and for the continued development of the fund’s strategy and investment process. He has over 30 years experience in managing money globally across multiple asset classes in both traditional and ‘alternative’ strategies. A Chartered Financial Analyst since 1993, Robert has held senior investment management positions in companies in the UK with Hill Samuel, the USA with Putnam Investments, and Australia with BT Investment Management. Responsible for Asia

PROTECTION

PROTECTION PLANS

Friends Provident International Limited provides this important information to help you decide whether International Protector Asia is right for you.

International Protector Asia can help protect your family or mortgage, by paying out a cash sum if you die, are diagnosed with a critical illness, a disability or a terminal illness at least 18 months before the end of the cover term.

Friends Provident International Limited International Protector

Its aims To help protect you financially against a wide range of event as all

within one plan: To pay a cash sum if, during the cover term, you die, become

totally and permanently disabled or are diagnosed with a terminal illness (described in your Policy Conditions as Accelerated Life Cover) or a critical illness or disability that meets our policy definition.

To allow you to alter the cover level or add new types of cover as your protection needs change. Any additional cover will be subject to evidence of insurability at the time.

Friends Provident International Limited International Protector

OTHER SERVICES

WHAT ARE SOME OF THESE CATEGORIES AND THEIR DIFFERING CHARACTERISTICS

CASH DEPOSIT Practically no risk to the capital value (unless the institutions collapses), but inflation can erode the real value of the capital over time and reduce its buying power. Interest rates are higher in some countries to reflect higher inflation. (or requirement for foreign currencies).

FIXED INTEREST SECURITIESCharacterised by security of income, particularly in nominal terms, and with varying degrees of exposure to capital gain or capital loss.

EQUITIESCharacterised by insecurity of income and capital values over the shorter-term, but offering the potential of rising income and real capital growth over the long-term. Equities tend to perform badly in times of slowing economic growth or rising interest rates.

EMERGING MARKETS

IPO’s ie. Initial Public Offerings Opportunities

PROPERTYBoth residential and commercial property has proved to be a reasonable long-term hedge against inflation, but with limited returns. It can also reduce volatility in a portfolio, as the property cycle does not necessarily follow the equity cycle.

An adviser has a wide range of investment products from which to choose when making recommendations to clients. Each category of asset has a potential role to play within a clients overall investment portfolio.

An advisor must be able to fully explain to a client in a way which can be understand, how each product that is recommend meets the financial goals and if he identified.

WHY USE FINANCIAL/INVESTMENT ADVISER

In addition a Financial Advisor has to understand the true needs of the client including identifying: The true level of their protection

requirements to: Protect their family Eg. how much life cover is required to

provide their family with sufficient capital / required income to survive in the event of their probable early demise.

Their investment aims and what they want to achieve

Whether there is a need for income for growth or a combination of both.

The level of risk a client is comfortable with

How much they wish to save regularly or invest

How long is the money to be invested

• Each however has a different risk / return profile

• Each client has a different risk profile depending upon their:

– Age– Wealth– Stage of Life