WHAT YOU ASKED:

Can we have a single point of contact? It can be confusing dealing with both Friends First and Cantor?

Can the number of forms be reduced?

Can execution only trading fees be reduced?

Can it be made easier to access information on the underlying assets held within an SDIO account?

WHAT WE DID:

Contact Point and Forms

• Structured Products & Deposits: Friends First will now be the sole contact point for all policy and SDIO queries. The Cantor Fitzgerald account opening form is no longer required and investment instructions will be sent directly into us on a new Friends First Investment Instruction form.

• Trading Accounts: Cantor Fitzgerald Account Opening Forms will still be required but these can now be sent directly to Friends First who will co-ordinate the set-up of the account. Clients will continue to give trading instructions directly to Cantor Fitzgerald.

Execution Only Trading Fees

Cantor Fitzgerald have reduced their fees for Execution only transactions :

SDIO annual fund charge : 0.75% p.a.

Dealing commission (shares & ETFs) 0.25% (min e35)

Dealing commission (Bonds) 0.35% (min e100)

Friends First SDIO just got better.

Pensions Protection Investments

For professional financial advisor use only

www.brokerfirst.ie

Over the last number of years, Friends First in conjunction with our partner Cantor Fitzgerald, has become recognised as an expert provider of Self Directed Investment Options. We provide you with access to one of the broadest range of investment products in the market. We are now delighted to announce a number of key improvements to our service, based on your feedback.

Ongoing Improvements

Friends First are committed to the Self Directed market and hope these improvements reflect this. We are continuously reviewing our product and processes to improve the service we offer to both you and your clients and welcome your feedback in this regard.

www.brokerfirst.ie

Please contact your Friends First Account Manager if you have any queries regarding these changes or any aspect of our SDIO Fund.

New Brokerfirst Screens - Policy Values - SDIO Holdings

Access to Information

Brokerfirst is your first port of call for information on your clients’ Friends First policies. In addition to policy details, choice of funds and values we have included a new screen which details the individual holdings within a clients’ SDIO account.

New Brokerfirst Screens - General Policy Details

Friends First Life Assurance Company Limited is regulated by the Central Bank of Ireland.

SA361, Jan. ‘15