10 Reasons for choosing Elevate

1. 10 Reasons for choosing Elevate Or 10 Reasons to review your current Platform • Dominic Clabby • Business Development Director

2. 10 Reasons for choosing Elevate

3. Reasons 1-3 for choosing Elevate

4. 1. Financial strength • Platform Profile and Financial Strength Reports, issued by independent rating agency AKG in December 2011 • Elevate received the highest awarded rating of B+ (very strong) • Companies were rated from A (superior) to D (very weak).

5. 2. Growth and Building AUM • AXA Wealth specialises in UK wealth management • Our business areas include: Elevate, Architas, AXA International, Bancassurance and our off platform products • At the end of 2011, AXA Wealth had £18.9 billion of assets under management • Elevate is the fastest growing platform in the UK market and grew assets under management by 157% to £3.5 billion in 2011

6. 2.1 Paradigm & Elevate • 23 firms – Launch Sept 2011 • 90 firms – Now signed to Elevate • AUM – Exceeds £100m

7. 2.2. Why was Elevate chosen • To provide advisory firms a second viable solution to the FSA’s “Independent” requirements in using One platform. • Able to match the “profit share” currently available through Paradigm. • In the words of Paul Hogarth “Provides members an industrial strength platform”.

8. 2.2.1 Paradigm terms • < 25k          0.60bps • 25k-£50k    0.50bps • 50k-£1m     0.45bps • 1m-£2.5m   0.40bps • 2.5m-£5m   0.35bps • >5m            0.25bps • Clear and Simple competitive pricing model • Tiered charge (like stamp duty) providing greater cost savings for aggregated wealth.

9. 3. Business support • Business consultants • Technical support • Platform consultants • Adviser support • Cash flow Modelling tool • CGT reports • Online management of client accounts

10. Reasons 4-6 for choosing Elevate

11. 4. Investment outsourcing • Your clients can choose from a wide range:- • discretionary managers, • risk profile aligned multimanager funds • off the shelf model portfolios, • Architas, in-house investment managers • Elevate is therefore able to offer Paradigm members with the Investment options provided by the Paradigm Model Portfolio Services - this Includes the OBSR, Prism and Vangard Portfolios

12. 4.1 Best of breed or best of brand? Platform SIPP / OSB Built for platform own brand SIPP…or an extensive range of other provider’s SIPPs and Offshore Bonds?

13. 5. Platform pre-funding • Clients’ funds don’t need to clear before they are re-invested, which reduces time out of the market. • Pre-funding transactions on new investments, fund rebates, tax relief for pensions and fund switches.

14. 6. Tiered and linked charging • For example if a husband and wife had accounts of £20,000 and £45,000 each, the Elevate Portfolio Charge will be calculated on the combined value of £65,000 • Based on the Paradigm pricing, on this combined value, each will be charged 0.45%.Rather than the 0.60%, and 0.50%, they would be charged if the accounts were treated separately. This equates to a saving of £50pa • Elevate Portfolio Charge (EPC) • EPC reduces when your clients’ assets increase and each set values • Clients may also be able to pay a lower EPC if they link accounts

15. Reasons 7-10 for choosing Elevate

16. 7. Elevate has simple set up procedures • Only one ‘wet’ client signature to open core product wrappers, trade investments and arrange payments online. • On a platform you shouldn’t need to complete paper forms when you want to make a change to your clients’ investments.

17. 8. Changing remuneration online • You can choose from a wide selection of flexible adviser charging options. • You can change the charging options at anytime quickly and simply online. • Outside your normal service agreement you can still chargefairly for your time, in a transparent way.

18. 8.1. Effective & on-going Client segmentation

19. 9. Investment range • Over 2,700 funds 135 fund managers • Open-Ended Investment Companies (OEICs), unit trusts, FSA recognised international funds as well as non regulated • offshore funds. Investment Trusts, Exchange Traded Funds (ETFs), gilts, corporate bonds, • Permanent Interest Bearing Shares (PIBS) • Sterling denominated stocks and shares traded in the UK and settled by CREST

20. 10. Transfers • Elevate allows you to carry out in specie (re-registered) transfers on and off the platform • On Elevate you aren’t locked into the platform as you are with some others • Elevate supports free RDR re-registration on and off

21. The 10 Reasons for choosing Elevate

22. Important information Information about tax is based on AXA Wealth’s understanding of current legislation and HM Revenue & Customs' practice. Tax treatment can change and depends on your personal circumstances. The information contained in this presentation does not constitute advice. It is designed for financial adviser use only and is not intended for use with individual investors. Any sample screen shots displayed are correct at date of issue but may be subject to change. AXA Wealth, Winterthur Way, Basingstoke RG21 6SZ. Telephone number: 01256 470707. As part of our commitment to quality service, telephone calls may be recorded. AXA Wealth includes the following companies: Architas Multi-Manager Limited (No. 06458717), AXA Portfolio Services Limited (No. 01128611), AXA Wealth Services Limited (No. 02238458) and AXA Wealth Limited (No. 01225468). All of these companies are registered in England and limited by shares. Their registered office is 5 Old Broad Street, London EC2N 1AD. Each company promotes and distributes its own products and is authorised and regulated by the Financial Services Authority. AXA Wealth Services Limited also promotes and distributes the products of AXA Isle of Man Limited and AXA Life Europe Limited in the United Kingdom. Details of the companies offering specific products are shown in the product literature AXA Wealth is a marketing brand used by AXA Portfolio Services Limited.