Schroders Charities Our Services

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2 Page 2 Introduction Thank you for your interest in. I would like to give a brief introduction to our charity team. We understand that as a charity trustee you will want to know that your assets are being looked after by a firm that is stable and reliable and by a team that understands the demands placed on charities, endowments and foundations. The specialist charity team at Schroders has looked after charitable funds since the 1930s and currently manages 2.4 billion of UK and global assets in the not for profit sector (as at 31st December 2005). It is a mark of our success that our first charity client is still with us today. We aim to offer an investment management service which emphasises the importance of establishing the optimum strategy for your charity, to create a portfolio that is tailored to each individual charity s needs. We believe that our ability to model the future impact of anticipated and unanticipated market returns, as well as their impact on income and spending (in both nominal and real terms) is amongst the most comprehensive in the industry. As ever, we remain committed to providing innovative financial solutions and service of the highest quality to charities, endowments and foundations. I hope that you find the brochure of interest. Please do not hesitate to contact us for more information. Richard Robinson Group Head of Charities

3 Page 3 Schroders With a history of over 200 years and assets under management of billion, Schroders is one of the largest asset managers on the London Stock Exchange, the shares of which have been listed since By controlling 47% of equity, the Schroder family ensure stability of ownership, providing security for our clients. Schroders focuses exclusively on asset management. It is all we do. Our success as a company is grounded on good investment performance and client service. Our 297 fund managers and analysts make Schroders one of the best resourced fund management firms in the world. manages 2.4 billion of charitable assets globally, making us one of the largest charity fund managers in the UK. Our current UK charity client list includes many household names drawn from educational, cultural, medical, child welfare, animal protection, religious and grant giving backgrounds. As well as individual portfolios we manage two Common Investment Funds; the Charity Equity Fund ( 226 million) and the Charity Fixed Interest Fund ( 132 million). Our strategic objective is to become the leading charity fund manager in the UK, utilising our substantial resources to deliver a personalised investment management service. All figures quoted are as at 31st December Source: Schroders Breakdown of UK Charity Clients by Size 10-20m 20-50m 50m+ 0-10m Breakdown of UK Charity Clients by Purpose Medical Educational Grant Making General Religion Services Welfare Livery Arts Specific Cause Environmental Animal Welfare Children Disabled Aged Government Poverty Science Historic Sport

4 Page 4 Investment Philosophy and Approach Schroders core investment belief is that financial markets are inefficient and that this can be exploited by an active manager, given the right resources and a disciplined, coherent approach. As such we believe in the potential to generate competitive returns from independent research. We are committed to fundamental research and have the global resources to support this commitment. Our investment process provides charities with a comprehensive and innovative investment solution to achieve the unique objectives of individual clients. can offer either a segregated or pooled portfolio management service, tailored to match your particular investment objectives. We understand that many charitable funds need to balance the need for a sustainable level of expenditure with maintaining and growing the pool of capital available over the longer term. This may be further complicated by permanent endowment constraints, where the investment income target needs to be compatible with preserving the real value of the portfolio. As a charity trustee you will be aware that the value of investments, and the income from them, can go down as well as up and it is possible that you may not get back the amount originally invested on behalf of the charity. Schroders aims to achieve charitable objectives consistently by adding value in three key areas: 2. Tactical Asset Allocation Charity Objectives 1. Strategic Asset Allocation Portfolio 3. Active Investment Selection

5 Page 5 Strategic Asset Allocation is a crucial determinant of investment performance The Charity Investment Principles, ACEVO Strategic Asset Allocation Strategic asset allocation is at the heart of any investment portfolio. It is the single largest determinant of a portfolio s expected risk and return. We aim to identify the appropriate longterm, central asset allocation that best achieves your particular investment objectives, described in the following framework: Return Objective Income Target Inflation Protection Risk Tolerance, risk of capital loss over a particular period, risk of not achieving return or income targets Time Horizon Liquidity Requirements Constraints, ethical or regulatory. Equities With asset allocation being the driving force behind risk and return profiles, our strategic asset allocation process helps us to build a portfolio which you will be comfortable with, even during volatile markets. Cash Structured Products Bonds Private Equity Property Hedge Funds At we use cutting edge modelling and analysis to assist trustees in understanding the possible implications of risk, return and expenditure on the long-term real value of capital. Our aim is simply to maximise the likelihood that the charity s objectives will be met through the selection of the appropriate long term asset mix. We encourage trustees to consider the full range of asset classes, including alternatives, where appropriate. This is consistent with ACEVO s CHIPs principles which argue the case for widening the asset choice.

6 Page 6 2. Tactical Asset Allocation The next step is to construct the portfolio, taking into account the strategic asset allocation and the relative attractiveness of the asset classes at the time of investment. By moving overweight or underweight in a particular asset class or market in the short term, it is possible to take advantage of differentials in asset performance. This is known as Tactical Asset Allocation. We use Schroders extensive research resources to pro-actively over or under weight asset classes and market sectors. This is done within tactical ranges agreed with the client around the central, long-term weightings. We are therefore able to add value whilst working within a risk-controlled framework that remains true to your longer term strategic objectives. 3. Active Investment Selection We aim to add value through: Stock Selection: leveraging the expertise of Schroders global network of fund managers and analysts to identify stocks best positioned to outperform the market. Fund Selection: achieving superior diversification by selecting a blend of funds, both third party and Schroder funds, across a range of investment styles, managers and market capitalisation. Additional Services Charity clients are able to benefit from Schroders specialist expertise in the following areas: Cash Management Using our strong position in money markets to provide charity clients with attractive interest rates on instant access and fixed-term deposits. Bespoke portfolios of money market securities and short-dated bonds can be constructed to meet specific cash plus return objectives or short to medium-term funding objectives. Alternative Investments Specialist property, private equity, structured product and hedge fund teams. Ethical Investing Social, environmental and ethical issues form an integral part of our investment process. We have our own dedicated research resources which work to encourage best practice in the corporate sector. We believe that companies which act in an antisocial or unethical manner will not provide competitive returns in the long term. We can offer bespoke ethical portfolios, screened to best reflect the values of your charity. In addition, our Common Investment Funds exclude tobacco investments.

7 Page 7 Custody & Administration We have extensive experience of working with the major global custodians, and would be happy to work with our charity clients existing custodians. We do, however, offer custody services. Our clients benefit from our custodians substantial investment and commitment to providing and developing the highest levels of functionality and service. This enables us to focus on our core competencies of fund management and client service. Our resources will be directed at the twin goals of achieving outstanding investment performance and excellence in client service. As trustees needs for information become more complex, it is vital that we stay one step ahead. Schroders offers: Regular meetings Clear, concise reporting Newsletters Trustee training These help to keep you informed about your charity s portfolio and also trends and changes in the sector. To minimise the administrative burden we can tailor the reporting both in terms of timing and content. We can also deliver reports to you by post, or fax. Fees We prefer to offer clean fees which are fully inclusive of all custody costs, reporting, administration, and regular meetings with your account team. There are no Schroder transaction charges on any sales or purchases, or additional charges on investments in most Schroder funds. If the investment management fee on underlying Schroder funds exceeds the clean fee quoted, the difference is rebated to your account. Investment in hedge funds, private equity and third party funds are excluded from our clean fee arrangement. Schroders receives a share of such fund providers fees but makes no additional charges on these investments. We also offer the option of performance related fees. We would be happy to provide sample fees for both our clean and performance related fees upon request.

8 Page 8 A Team for Your Charity Our charities specialists are experts in helping clients to design and implement appropriate investment strategies. Ten specialist charity investment professionals Thirteen years average investment experience Dedicated team of administrators Every charity client has an account team committed to ensuring that the charity receives the highest level of service. This team draws upon all of the resources within the Schroders Group whilst also enabling clients to benefit from the focus of a small committed unit. Such a wealth of skills, knowledge and experience has created a highly focused and professional team in, gaining recognition throughout the industry.

9 Page 9 Working Together We believe in working with the sector to share expertise and knowledge through a range of market leading initiatives: Schroders Charity Forum an annual seminar with presentations from industry experts Investment strategy analysis for charities, with income and expenditure modelling in both nominal and inflation adjusted terms Co-operation with and support of the London Business School s annual education programme, Foundation and Endowment Asset Management Regular trustee training Schroders is dedicated to the charity sector. We help clients to meet their objectives and provide a highly personalised service, offering individually tailored solutions backed by the strength and resource of a global asset management group. If you would like more information on the ideas in the brochure and how we could work with your charity, please contact us. Richard Robinson Group Head of Charities Tel: Nick Orr Executive Director Tel: Address: 31 Gresham Street London EC2V 7QA Tel:

10 For purposes of the Data Protection Act 1998, the data controller in respect of any personal data you supply is Schroder & Co Limited. Personal information you supply may be processed for the purposes of investment administration by the Schroders Group which may include the transfer of data outside of the European Economic Area. Schroder & Co. Limited may also use such information for marketing activities unless you notify it otherwise in writing. For your security, communications may be taped or monitored. Issued in September 2006 by Schroder & Co., 31 Gresham Street, London EC2V 7QA. Registered number England. Authorised and regulated by the Financial Services Authority. w28165

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