INVESTOR S TRANSACTION

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1 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT International Portfolio Bond INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT. This is an important document. Please keep it safe for future reference. INSURANCE. SAVINGS. INVESTMENT management.

2 2 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT The International Portfolio Bond. The International Portfolio Bond is a single premium whole of life investment bond with no fixed term, issued by Legal & General International (Ireland) Limited ( Legal & General International ). It provides a tax-efficient framework for investing in a range of assets (including unit and investment trusts, OEICs, international funds and deposit accounts). All or part of the bond can be cashed in at any time, although it should be regarded as an investment for at least five years and ideally longer. You should be aware that depending on the charging structure you select, charges may apply at the time you cash the bond in. The value of the bond and any regular withdrawals may go down as well as up. The returns you receive are not guaranteed and you could get back less than your original investment. How is your investment set up? The bond is divided into a number of identical policies to give you a choice as to how to take money from the bond and to potentially increase its tax efficiency. The tax information provided in this guide is a summary based upon Legal & General International s understanding and interpretation of current legislation in the UK and Ireland and HMRC and Irish Revenue Commissioners practice, which may change. Applicants not resident in the UK for tax purposes should consult their adviser or their local tax office. The bond allows you to invest in a choice of three international funds provided by Legal & General International. Also available is a range of assets from a wide choice of investment managers and deposit account providers. Please speak to your adviser or refer to the Product Details for information on the allowable assets of the bond and the investment criteria that apply to these assets. All cash transactions for the bond are operated through the Transaction Account

3 3 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT How does the Transaction Account work? Payments into the bond Bond assets (investor s individual fund) Main Transaction Account in bond currency Current balance of main Transaction Account Holds any monies not invested in other assets (both at the start of the bond and during its lifetime). We recommend that a positive cash balance is maintained at all times. See Important facts (opposite). Credits into the main Transaction Account Proceeds from the sale of assets in the bond currency. Any interest from monies held in the main Transaction Account. Any income received from assets held in the bond currency (for example, dividends not automatically reinvested). Unit trusts Investment trusts OEICs Legal & General International Funds Deposit accounts Your adviser will be able to provide you with a complete list of allowable assets for the bond.

4 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT 4 Debits from the main Transaction Account Cost of purchasing assets (including dealing charges and other expenses). Policy charges (for example, initial, establishment, ongoing administration, and asset administration charges). Any interest charge on an overdrawn balance in the main Transaction Account. Payments to additional transaction accounts to purchase assets in non-bond currencies. Foreign exchange costs relating to assets held in non-bond currencies. See Important facts (below). Payments out of the bond Payment of any regular withdrawals. Payment of any partial or full surrenders of policies. Important facts 1. You should maintain a constant cash balance in your main Transaction Account. The initial balance should be set at a level that takes into account any initial charge. The ongoing balance should be set at a level that takes into account any establishment, ongoing charges, administration and asset administration charges, plus any regular withdrawals during the lifetime of the bond. 2. When completing the application form, you can nominate an order in which you wish to encash assets to maintain the balance of your main Transaction Account. If we do not receive an order of nomination, Legal & General International will encash assets in line with its Liquidity Policy, which is available on request. 3. It is your responsibility to manage the balance of your main Transaction Account. 4. For details of charges, refer to your Personal Illustration, the Charges Guide and the Product Details. 5. If any income is received in a currency other than your bond currency (for example, dividends or credits), we will automatically set up an additional transaction account in the new currency which can be British Pound, Euro and/or US Dollar. On your instructions, we will transfer balances to other currencies at prevailing exchange rates. 6. When making investments in a foreign currency you will need to ensure that sufficient cash is available in the relevant additional transaction account. If not, you can switch between currencies at prevailing exchange rates so that the additional transaction account has sufficient funds available for the proposed purchase.

5 5 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT WHAT IS A Transaction Account? Every bond investment will have its own main Transaction Account. This will be created in the currency of the bond. At the start of the bond, you will have a choice of bond currency British Pound, Euro or US Dollar. All cash transactions, including the purchasing and selling of assets, charges and withdrawals, will be credited or debited through the main Transaction Account. Separate additional transaction accounts will be created for other currencies when assets that are not denominated in the bond currency are purchased. If your investment into the bond is through a transfer of assets, you should either include a cash payment with the investment to cover any charges, or provide Legal & General International with instructions to sell part of the assets being transferred. This is because your bond will require a cash balance in its main Transaction Account for all future cash transactions and charges levied. Is interest paid or charged on balances? Interest is calculated daily on both credit and debit balances in the main Transaction Account. For additional transaction accounts, interest is calculated daily on credit balances. For example: Bond currency Basis Current rate % per year Basis British Pound 1.25% below Bank of England base lending rate Euro 1.25% below European Central Bank base lending rate US Dollar 1.25% below Federal Reserve base lending rate Actual rates at the time of your investment are available through your adviser. Interest is credited to or debited from the balance in the main Transaction Account quarterly on 31 March, 30 June, 30 September and 31 December. If the main Transaction Account becomes overdrawn, debit interest is currently charged at typically 3% per year above the relevant base lending rate for the bond currency. Rates are reviewed on a regular basis and can change at any time. How do you prevent an overdrawn account? You should maintain a constant cash balance in your main Transaction Account. This means that you or your adviser should keep a regular review of the ongoing balance in your main Transaction Account. This review should take into account the ongoing charges and any regular withdrawals being taken. When completing the application form, you will nominate the order in which you wish your assets to be sold in the event of your account going overdrawn. Legal & General International reserves the right to sell assets at any time to cover monies due to us, or to delay purchases to prevent an unacceptable level of debit balances occurring. Please refer to section 4 Transaction Account of the Policy Provisions for more information. We will clear any overdrawn accounts as follows: By sale of one or more of the underlying assets selected by you or your adviser. If there has been no nomination of assets, then assets will be encashed in line with Legal & General International s Liquidity Policy, which is available on request.

6 6 INTERNATIONAL PORTFOLIO BOND INVESTOR S GUIDE TO THE TRANSACTION ACCOUNT How is the bond set up and what documentation will you receive? Step 1 Step 2 Step 3 Applying for the International Portfolio Bond You complete the application form, ensuring that the asset selection section, including your nomination of assets is completed. Your adviser will send us the completed application and arrangements for payment into the bond. Setting up the bond Once Legal & General International has received all the completed documents, the bond will be set up. A number of communications will then follow: Within five working days of setting up the bond, we will send you the cancellation notice. At the same time, but separately, we will send the Contract Document and an initial Transaction Statement showing any purchases of assets that have already taken place at this stage. These documents will be sent to the person or adviser named as the contact in your application form. If any transactions are still not complete at this time, a Trade Confirmation will follow when the purchase(s) are complete. Communications during the lifetime of the bond Trade Confirmations (if applicable) will be issued whenever there is a sale or purchase of assets in the bond. Half yearly Transaction Statements will be issued each January and July. Legal & General International (Ireland) Limited Registered in Ireland No Registered office: Beaux Lane House, Lower Mercer Street, Dublin 2, Ireland. Legal & General International (Ireland) Limited is authorised by the Central Bank of Ireland. A member of the Association of International Life Offices. W /10 Approved 11/10 Approval No. H117839

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