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"Prospering in a Changing Market" Seminar

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Zurich International Life Limited - Leading the way offshore!

Zurich International Life Limited is part of the Zurich Financial Services Group, which can trace its roots back more than 130 years. Today, the Group is one of the world's major financial services providers, with more than 38 million customers in over 60 countries. Our size and strength puts us in a great position for today's ever changing climate.

Zurich International Life Limited has developed a very close and effective association with Threadneedle Investments, our primary fund manager in the UK. Working with Threadneedle as fund managers we have recently extended our "Managed Fund" range to now include two lower risk funds, Cautious and Defensive funds. Why not make a note to take a look and see for yourself whether they are suitable for your clients?

Product Range
Whatever answer you are looking for, Zurich International Life Limited can find what you need. We've been doing this long enough to be confident we can come up with the right answer. Our products have been designed to offer international investors (whether individual or corporate) a wide choice of solutions to meet a variety of needs, protecting the client, beneficiaries and ultimately their future along the way.

"Best Pension Product Provider" (International Financial Adviser 2001 awards for excellence) - Vista.

"Best regular retirement planning product" from Portfolio International Life Industry Awards 2002 - Magnus.

Leading the way in retirement benefit packages for individual and corporate.

Should the unthinkable happen or if you couldn't work due to a critical illness, your primary concern will be protecting your family. Futura will do just this. It is a whole of life insurance policy that provides complete protection via a comprehensive range of benefits and cover options.

Access to a wide range of funds for your single premium investment is key to diversifying risk and managing a successful portfolio. Choose from the Elite Bond range or the International Wealth Account for answers to your problems.

For more information on our products, please contact Jonathan Ashley, Regional Sales Manager - Europe, at Zurich International Life.
Telephone: +44 118 956 7666, or e-mail jonathan.ashley@zurich.com or visit the website.

Jonathan Ashley - Regional Manager: Jonathan was born in Manchester but had an expatriate upbringing in Nigeria before completing his education the UK. Following graduation from Liverpool University where he read Politics, he joined the financial services industry initially with Guardian Royal Exchange. He moved to Eagle Star covering part of the City of London specialising on the life side of the business. Thereafter, he moved to Eagle Star International and has had various sales development responsibilities, including a 3-year spell developing corporate pensions business with a worldwide brief. Currently Jonathan leads the Zurich International European Sales Team based in Reading. Married to Rachel with two teenage daughters, he lives in Wokingham, Berkshire. When he's not travelling the world on business, he enjoys sport, varied musical tastes and speaking French!

ROYAL SKANDIA BUILDS ON SUCCESS
A magnificent new structure occupying the site of the former Douglas Bay Hotel has become quite a talking point across the Island as people have watched it take shape. The new, purpose-built headquarters for Royal Skandia consolidates the Company's reputation as the Island's premier life assurance employer.

Royal Skandia's new headquarters built by Heritage Homes comprises of over 57,000 square feet over four open-plan floors, each having balconies and specially designed floor to ceiling glass windows which really take advantage of the unparalleled sea views over Douglas Bay.

Mark Halewood, Customer Services Director points out: "One of the disadvantages of working in central Douglas is the congestion and expensive parking costs. We can now offer free secure onsite parking. Apart from the obvious cost benefit which in real terms is worth in excess of £700 per annum, most of the spaces are under cover, which is convenient in our rainy winters. To encourage those who prefer to jog or cycle, there are showers and lockers. We now have all the advantages of working in Douglas without the disadvantages."

The company has invested heavily in the latest technology for the new office, implementing Category 6 cabling, high speed/high capacity Cisco networking, which is fully integrated with the latest IP telephony systems from Mitel. In addition to providing high performance, reliability and security, this advanced infrastructure provides exciting new features such as Voice Recognition allowing phone users to interact with computer systems. For state of the art presentations, a "media wall" with 61" flat digital screen has been installed together with the latest available videoconferencing technology.

Nigel Jones, Head of IT said: "Technology moves on so fast, but we have installed what we believe to be at the cutting edge of what is currently available. This gives us an excellent foundation to continue to build and develop new systems and services, to maintain our first-class service to clients and our leading position in the industry."

Royal Skandia are proud of the new building and are planning launch events to announce their occupancy of the building. The first will be an official opening ceremony performed by His Excellency The Lieutenant Governor Air Marshal Ian MacFadyen. Following this, the Company is planning an open day.

Dr Kilmurry adds: "There is a lot of interest in the new building and now it is complete we are extremely pleased with it. We want to allow as many people as possible to see the building for themselves. We are confident that everyone will be impressed. Royal Skandia has seen tremendous change over the years, and this move really sets us up for the future. I believe we've got the best team on the Island and we have invested heavily in providing the best working environment."

Now with the move successfully completed, the Company is poised for the next chapter in its evolution.

Greg Molyneux - Regional Director: 40 years of age this year, been in Insurance 20 years, 14 of those Offshore. Been with Royal Skandia 9 years, previously Generali and GRE.Lived in Cyprus 13 years, married, 3 young children. Intrests: Wine Collecting and Reading.

Partners in Performance
In partnership with world experts in asset management, we offer unique investment products to maximise investor value.

At Circus Capital we combine the skills of the world's leading experts in asset management with our own reputation for innovation and performance. Our facilitator model allows us to create value for our investors by bringing together the very best resources and expertise from around the world. With these world-class partners, we have established a track record that helps investors make intelligent decisions to maximise returns even in uncertain markets.

Circus Capital was founded on the principles of 'partnership' and 'performance'. Everything we do is focused on creating value for our investors through a strong track record of performance. One measure of our success is that Circus Capital now has assets of US$500 million under management.

Circus Capital's smart solutions are unique in the marketplace. Our first family of funds is the Protected Growth series for the cautious investor. The second fund family commercialises military technology for the more aggressive investor. Each set of funds has characteristics unmatched by any other product on the market.

The Protected Growth series draws on the expertise of some of the most respected names in fund management, administration and custody. Names like LCF Rothschild of the Geneva-based Rothschild private banking and asset management business. Our Protected Growth Fund invests in some of the biggest, most respected and highest-performing Smoothed Growth or With Profits funds in the United Kingdom - Prudential (with a fund of more than a $100 billion), Clerical Medical International (which has paid a bonus to Smoothed Growth investors every year since its founding in 1824) and Aviva (the largest insurer in the U.K. and the seventh-largest insurance group in the world).

Circus Capital also has strong contacts with the U.K. Ministry of Defence which offers investors significant opportunities in commercialisation of cutting-edge military research.As guardian of our investors' financial futures, our priority is to provide 'best of class' products delivering quality performance.

Stephen O'Leary - Director Sales & Marketing:
Age: you work it out!
Occupation: Sales & Marketing Director
Company: Circus Capital (Middle East).
Hobbies: all sports, more watching than doing at my age, but I still swing a golf club and hurl a squash racket around the court.
Family: married three children, two of whom are taller than me.
Career: fell into Financial Services, (didn't we all), with Abbey Life, moved through Tied Agent, Broker, and moved Offshore in 1994 to Dubai. Latterly with Towry Law International in Dubai. Yes I did qualify for virtually all conventions offered.
Ambitions: to provide premier service to institutions, especially World Net Inter Alliance! Well OK desire to make lots of money and enjoy myself!

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