Excellent on content, delighted I attended

Marketforce s 8th Annual Conference The Future of Distribution in Financial Services Adapt, innovate, thrive - future-proof your distribution strategy with insights from industry leaders 3rd & 4th December 2013 Le Méridien Piccadilly, London Speakers include: marketforce.eu.com Gary Shaughnessy Chief Executive Officer, UK Life Zurich Patrick Mill Managing Director Alliance Trust Savings Geoff Towers Managing Director for UK & International Development Legal & General Nick Poyntz-Wright Head of Insurance FCA Early registration rates available book by 20th September to save 250 Dean Lamble Managing Director Sun Life Direct David Thompson Managing Director Elevate Sponsors: John Clougherty Head of UK Retail Fidelity Worldwide Investment Clay Hagland Managing Director Head of ishares Marketing (EMEA) BlackRock Nigel Aston Managing Director, Head of UK Defined Contribution State Street Global Advisers Peter Mann Chief Executive Officer Skandia Jonathan Willcocks Managing Director, Global Head of Retail Sales M&G Investments Stephen Ingledew Managing Director, Customer & Marketing Standard Life Excellent on content, delighted I attended Global Sales Director, Ashburton Investments

The delivery of financial products is undergoing transformative change, driven by a new advisory landscape, widespread platform uptake and the irrepressible march of digital technologies. Firmly established as one of the UK s leading retail distribution events, The Future of Distribution in Financial Services provides the perfect forum for fund managers, life assurers, banks and IFAs to network and share insights into current industry trends. With insights from a range of senior executives, this event presents an unmissable opportunity for you to future-proof your business strategy and stay ahead of the competition. Key topics to be addressed The commercial opportunities presented by a widening advice gap Simplifying the customer journey: the next steps in D2C distribution Sustaining success in an ever-changing regulatory landscape The changing world of platforms: challenges and solutions for 2014 Engaging the digital consumer from HNWIs to the mass market Grasping new opportunities in workplace marketing The evolution of financial advice and adviser charging Key reasons to attend Discuss strategies for success in a changing landscape Discover the latest technological advances to stay ahead of the competition Find out how the advisory market is changing in a post-rdr world Debate the outlook for financial advisors Hear from the experts on how to craft new and enhanced customer experiences Network with key industry players Comments from our delegates: A very worthwhile, informative event Head of Partnerships, Scottish Life Great line-up RDR Implementation Manager, Aviva Very good...good sessions and speakers Head of Distribution Relationships, NS&I Join the debate on twitter using the hashtag #distribution13 or follow @MarketforceIns BOOK ONLINE www.marketforce.eu.com/distribution

The Future of Distribution in Financial Services 3rd & 4th December 2013 Le Méridien Piccadilly, London 09.00 Welcome address by Juliet Knight, Director, Marketforce 09.05 Chairman s opening remarks 1 The evolving distribution landscape 09.10 Customer-centric distribution: the imperative of multi-channel reach Geoff Towers, Managing Director for UK & International Development, Legal & General 09.30 Commission-free fund management: progress, challenges and the path ahead John Clougherty, Head of UK Retail, Fidelity Worldwide Investment 09.50 Simplifying the customer journey: the next steps in D2C distribution Patrick Mill, Managing Director, Alliance Trust Savings 10.10 Setting out a vision for 2014 Does the widening advice gap present only a threat, or is there an opportunity Understanding the consumer: what products and channels work Is digital engagement the key to owning the customer relationship How are new pricing models affecting the industry What new forms of strategic partnership will emerge Are non-fs brands ready to roll in What threat do they pose How great a role are aggregator sites likely to play in the future How will the workplace pensions market develop in the future Beyond the RDR: what will be the next big thing to shake up distribution Geoff Towers, Managing Director for UK & International Development, Legal & General John Clougherty, Head of UK Retail, Fidelity Worldwide Investment Patrick Mill, Managing Director, Alliance Trust Savings 10.40 Advisory session 11.00 Refreshments Day 1 - Tuesday 3rd December 2013 12.10 The role of D2C in the distribution mix The decline of bancassurance has focused the attention of product providers on the UK advice gap. Direct-to-consumer would appear the way forward for many, but how does this square with a heavily intermediated business model In this session, an expert speaker will discuss how Standard Life intends to strike a balance between advice-led and direct distribution, and how this will evolve in the future. Stephen Ingledew, Managing Director, Customer & Marketing, Standard Life 12.30 Advisory Session Andrew Mcquade, Senior Vice President-Head of Insurance, Polaris Financial Technology 12.50 Questions 13.00 Lunch hosted by Polaris Financial Technology 14.15 Keynote address Gary Shaughnessy, Chief Executive Officer, UK Life, Zurich 14.35 Questions 3 Crafting new and enhanced customer experiences 14.40 From mobile to desktop delivering a seamless digital experience How does online engagement differ between devices, products and customers How can technology optimise the sales process Ensuring ease of use: creating customer-friendly tools Andrew Audry, Head of Digital Services & CBD Lead Future Bank SSD, RBS 15.00 Understanding customer behaviour across channels Banks are leveraging internal insight on customers to improve product development, marketing and customer communications. In this session an expert speaker will discuss how data can be used to understand the customer journey through a tangle of touch points branches, online, mobile, call centres and how these paths affect the distribution and purchase of particular products. Speaker to be confirmed 15.20 Social media engaging customers and creating loyalty Building a social media presence across a range of outlets What is the potential for social media to become a sales channel Creating and sustaining a dialogue with customers Philip Calvert, Founder, IFA Life 15.40 Advisory session 16.00 Questions 2 Seizing the direct-to-consumer opportunity 16.10 Refreshments 11.30 D2C: retailing versus distribution Dean Lamble, Managing Director, Sun Life Direct 11.50 Breaking down the barriers to direct distribution Taking D2C to the mainstream: what are the obstacles Exploring new ways to reach and engage customers How important is personal interaction What form should it take How can customer segmentation inform a D2C strategy Robin Willison, Head of Direct Sales & Operations, LV= TELEPHONE +44 (0)20 7760 8699

4 Focus on workplace distribution 7 Platforms under the spotlight 16.40 Advisory session 17.00 How is workplace distribution set to evolve Auto-enrolment one year on: what progress has been made The consultancy fee ban: will employers pay for advice What is the role of corporate platforms in facilitating workplace distribution In what ways can corporate platforms deliver value to different stakeholders How significant is the business opportunity for both advisers and providers How can the industry foster deeper employee engagement John Lawson, Head of Policy, Pensions & Investments, Aviva Russell Welsh, Director of Distribution, Corporate Benefits, Friends Life Group Nigel Aston, Managing Director, Head of UK Defined Contribution, State Street Global Advisors Paul Bucksey, Managing Director, Head of Defined Contribution Business Development, BlackRock 17.40 Chairman s closing remarks and end of day one 11.10 Gauging the impact of platforms in financial services distribution Peter Mann, Chief Executive Officer, Skandia 11.30 A fair and transparent deal: charting the rise of execution-only platforms Mike Morrison, Head of Platform Marketing, AJ Bell 11.50 Advisory session 12.10 The changing world of platforms challenges and solutions for 2014 How dominant are corporate and D2C platforms likely to become What are the implications of the platform rebate ban To what extent will marketing allowances enable firms to circumvent adviser charging rules How close are platforms to providing prompt, automated asset transfers What factors will determine survival in a consolidating market How can platforms widen their appeal and engage more customers Execution only: the next frontier for established platforms Peter Mann, Chief Executive Officer, Skandia Mike Morrison, Head of Platform Marketing, AJ Bell Bill Vasilieff, Chief Executive Officer, Novia Financial Day 2 - Wednesday 4th December 2013 09.00 Chairman s opening remarks 12.40 Lunch 5 The regulatory environment 8 The importance of corporate image and brand recognition 09.05 An update from the Regulator Nick Poyntz-Wright, Head of Insurance, FCA 09.25 Questions 6 Understanding the advice opportunity The RDR is driving change in the priorities and behaviour of consumers, with many choosing to opt out of advice, either partially or completely. In this session, experts will explore the implications of adviser charging for customers, intermediaries and providers, before exploring the commercial opportunities these changes represent. 13.55 Case Study ishares: building on brand strength and scale Driving an industry leading brand positioning through customer insight The role of thought leadership in building brand strength Campaign innovations Clay Hagland, Managing Director Head of ishares Marketing (EMEA), BlackRock 14.15 Implementing a customer-centric brand strategy Putting the focus firmly on the customer The impact of brand equity on customer attrition and attraction Communicating brand values to a fragmented customer base David Brooks, Marketing Director, AXA Sun Life Direct 09.35 Commission-free fund management: progress, challenges and the path ahead Jonathan Willcocks, Managing Director, Global Head of Retail Sales, M&G Investments 09.50 B2B2C tailoring distribution to the evolving needs of advisers and their clients David Thompson, Managing Director, Elevate 14.35 Advisory session 14.55 Questions 15.05 Refreshments 10.05 A new high street proposition putting branch advice back on the agenda Kim Rebecchi, Sales & Marketing Director, Leeds Building Society 10.20 Advisory session 10.35 Questions 10.45 Refreshments BOOK ONLINE www.marketforce.eu.com/distribution

9 15.30 The evolving advisory market The outlook for financial advisers How is the ban on commission affecting the provider/adviser dynamic How has increased awareness of advice costs changed consumer behaviour Are advisers keeping pace with clients technology requirements How will advisers engage the next generation of consumers Restricted versus independent: which model works when Is simplified advice a commercially-viable option for firms Aiding the transition to paying for advice: how can advisers justify their fees The need for clarity: do investors understand different advice types Andrew Fisher, Chief Executive Officer, Towry George Higginson, Chief Executive Officer, Sesame Bankhall Group Helen Turner, Distribution & Development Director, Tenet Group Max Wright, Chief Executive Officer, Personal Touch Financial Services 16.20 Chairman s closing remarks and end of conference Related Events The Future of Private Banking 26th November 2013 The Montcalm London Marble Arch This one day event explores strategies for success in response to a shifting global landscape, tightening regulation, and changing patterns of wealth. Regularly attracting over 130 delegates, this year s conference offers a must-attend forum to discuss the key issues of today and tomorrow. For more information visit www.marketforce.eu.com/privatebanking Sponsors: Avelo delivers technology solutions that enable financial services providers, intermediaries and consumers to access the information they need, when they need it. We make the industry more efficient, eliminating unnecessary costs and improving the experience for everyone along the way. We help you better serve your customers improving satisfaction, fostering greater loyalty and maximising lifetime value. www.avelo.com Morningstar is a leading provider of independent investment research. We work with advisers and institutions and we take a partnership approach to deliver a tailored solution that best meets their needs. We leverage our vast data resources, technological capabilities, and fundamental research to deliver innovative solutions that help investors reach their financial goals. corporate.morningstar.com/uk Polaris is a USD 430 million company, with talent strength of around 13,000 + technology consultants, solution architects, domain and technology experts and presence in 30 countries worldwide. The company owns the most comprehensive product suite, Intellect Global Universal Banking (GUB) 10.0, the first pure play SOA based application suite for Retail, Corporate, Investment banking and Insurance. Polaris provides technology services including SOA Re-engineering, Application development, Implementation, Maintenance, Independent Testing, Integration and BPO. Polaris has been recognised by the world s top analysts (Forrester and Gartner) as global leaders in banking and insurance software. Recently, Polaris launched FT8012 Design Center in Chennai, India - the world s first center dedicated to financial technology. The center was inaugurated by Michael Harte, Group Executive, Enterprise Services and Chief Information Officer, Commonwealth Bank of Australia. www.polarisft.com Interested in speaking, exhibiting or hosting an event around the conference There are a limited number of opportunities to engage key decision makers through speaking, exhibiting and other tailored packages. For more details, please get in touch: Email: sponsorenquiries@marketforce.eu.com Call: +44 (0)20 7760 8685 The Future of Fund Management 27th November 2013 The Montcalm London Marble Arch This one day conference brings together key players to discuss the strategic implications of changes to distribution, product development, investment strategy and client demand. Featuring a speaker line up that includes 8 CEO s and the largest fund managers, The Future of Fund Management will help you navigate the path ahead in this complex and dynamic industry. For more information visit www.marketforce.eu.com/fund TELEPHONE +44 (0)20 7760 8699

The Future of Distribution in Financial Services 3rd & 4th December 2013 Le Méridien Piccadilly, London How to Book Simply return this form to: Marketforce Business Media Ltd 3 Sutton Lane London EC1M 5PU United Kingdom Telephone us on: +44 (0)20 7760 8699 Fax this form to: +44 (0)20 7490 2296 Book online at: www.marketforce.eu.com/distribution Email us on: conferences@marketforce.eu.com Prices Register on or before 20th September 2013 Register on or before 8th November 2013 Standard Rate 1 Delegate 1,145 + VAT = 1,374 ( 1614) 1,275 + VAT = 1,530 ( 1794) 1,395 + VAT= 1,674 ( 1974) 2 Delegates 2,290 + VAT = 2,748 ( 3,228) 2,550 + VAT = 3,060 ( 3,588) 2,790 + VAT = 3,348 ( 3,948) 3 Delegates (15% Discount) 2,919.75 + VAT= 3,503.70 ( 4,115.70) 3,251.25 + VAT= 3,901.50 ( 4,574.70) 3,557.25 + VAT= 4,268.70 ( 5,033.70) Delegate Information Title First Name Surname Job Title Phone Email Title First Name Surname Job Title Phone Email Title First 15% Name DISCOUNT Surname Job Title Phone Company Information Company Name Address Postcode/Zip Country Fax Payments Please select the relevant box: I wish to book the named delegate(s) and I understand that this registration is made subject to Marketforce Business Media Ltd s terms and conditions. I cannot attend so I wish to purchase a copy of the conference documentation @ 250 +VAT. The conference documentation is distributed online and accessed via a password which will be emailed to you after the conference and once payment has been made. The presentations will be online for a period of 3 months. Signed I enclose a cheque for the sum of. Cheques must be drawn on a UK bank account with a UK sort code and should be made payable to Marketforce Business Media Ltd and sent to The Accounts Department, Marketforce Business Media Ltd, 3 Sutton Lane, London EC1M 5PU. I will transfer the sum of Bank Transfer details: please transfer quoting reference SZI09 plus company name. Bank Details: Lloyds TSB, Southampton Row, London WC1B 5HR. Bank transfers in Sterling should be ma de to Lloyds TSB plc, sort code 30-97-81, account number 00894664, IBAN: GB39 LOYD 3097 8100 8946 64, BIC: LOYDGB21034. Payments made in this way should also carry the conference name and your company name as reference. Bank transfers in Euros should be made to Lloyds TSB plc, sort code 30-97-81, account number 88061150, IBAN: GB09 LOYD 3097 8188 0611 50, BIC: LOYDGB21034. Payments made in this way should also carry the conference name and your company name as reference. Please debit the sum of from my Credit Card: Amex/Visa/MasterCard. Card No Exp. Date Holder s Name Security Code* Signature Date Terms and Conditions Email Delegate information Registration and document distribution from 8.30am on Tuesday 3rd December 2013. Event accommodation Overnight accommodation and travel costs are not included in the registration fee. For further information on discounted hotel rooms, please refer to the delegate pack which will be sent out once you have confirmed your place. Please note it may be necessary for reasons beyond the control of the organisers to alter the content or the timing of the programme. Terms and conditions The fee covers attendance at all sessions and payment must be received prior to the event. The delegate rate is charged at the discretion of the conference producers. Cancellations All cancellations must be received in writing to cancellations@marketforce.eu.com. Verbal cancellations will not be accepted. Where cancellations are received in writing more than 30 days prior to the first day of the conference any fees due will be refunded in full less an administration charge of 100 + VAT ( 150). Where cancellations are submitted within 30 days of the first day of the conference, the registration fee remains payable in its entirety. Substitutions are acceptable at any time. Data Protection Marketforce Business Media Ltd gathers and processes data in accordance with the Data Protection Act 1998. The information contained about you on this form may be used for future updates about our products and services. Occasionally, we may make your details available to carefully selected external companies for marketing purposes. If you wish your details to be amended, removed or not passed on to external organisations, please write to the Database Administrator at the address on the registration form. Following your update or removal request, you may receive additional pieces of communication whilst the changes are effected.