An overview of the Veracity proposition

2. Why would working with Veracity help your business?

3. How are Veracity able to help?

4. Next steps

6. The Catalyst for Your Journey Legacy Investments Portfolio on Wrap Unit Trust 1. Charges 2. Risk 3. Features & Benefits ISAs Bonds Pensions Asset Allocation Institutional Retail

7. Transformation of revenue in practice

8. Adviser reviews analysis and confirms recommendations Adviser delivers the ongoing service proposition Adviser meets client & submits LOA’s / Risk Profile Adviser meets client to discuss recommendations process Process Outline Letter Business Closure Letter Report, illustrations & all pre-populated forms produced Funds chased & invested 1st draft of analysis and policy issues Client established on wrap Full reconciliation

9. The Emotional Cycle of Investing greed despondency pride hope panic / sell

10. Portfolio Behavior with Risk Parameters Comfort Marginal Comfort Portfolio Value Marginal Discomfort Discomfort Time

11. Portfolio turnover *Financial Services Authority (FSA) Occasional Paper 6 – Kevin James 2011 2011 £100,000 £100,000 Sainsburys Buy Tesco Sell Sainsburys Cost of Turnover 1.8% 8% Return £108,000 8% Return £106,056

12. Distribution of Charges 2 - 3% p.a. inc Advice 2 - 3% p.a. + Advice Institutional Retail

14. Full access to our expertise and experience

15. Full access to our systems, processes and tools

16. Help to define your proposition

17. Help with client segmentation

18. Help with process adoption

19. Training for all staff

20. Model Portfolios backed up by investment committee

22. Manage the Transformation of clients’ legacy assets

23. Undertake comprehensive cost comparison analysis

24. Undertake comprehensive risk comparison analysis

25. Provide full performance disclosure

26. Pension Switching Template pre populated

27. Provide compliant report templates

28. Application form completion

29. Administration processing

31. Working with you IN your business incurs no explicit charge to the firm.

32. A contingency fee of 1% is charged to clients. - Contingency basis means clients only pay if they benefit. - The charge is limited to the assets they transform. - We have no influence over what you and your client decide to transform.

34. FSA check and internal risk management checks

35. Introduction to the Veracity proposition

36. Terms of Engagement issued & signed

37. Wrap configuration

38. Scope of initial training & consultancy

39. Training dates agreed

40. Cases submitted for analysis

42. Valuation Principles Source - KPMG

44. Tangible and demonstrable influence over the investments (past current & future)

45. They also had three common characteristics:

46. Centralised control over the risk profiling for all of the advisers

47. Centralised control over the asset allocation strategies of all of their advisers

48. Centralised control and consistency for all of the advisers over the fund population