Spotlight on Personal: Presentation Sections & Key Messages

Customers AUA High quality, diversified and predictable revenue base Customers x average fee Trades x commission FX transactions x average margin Cash AUA x net yields Subscription fees Trading revenue FX revenue Treasury income Administered by Efficient and scalable operating platform and servicing model With significant operational gearing Leading to profit margin expansion and earnings growth 5. [...] actions of regulatory authorities; and the impact of changes in capital, solvency or accounting standards, and tax and other legislation and regulations (including changes to the regulatory capital Forward-looking statements are prospective in nature and are not based on historical or current requirements that the Group is subject to in the jurisdictions in which the Company and its affiliates fac. [...] As a result, the Group’s actual future financial condition, performance and results may differ about future events, and are therefore subject to known and unknown risks and uncertainties which materially from the plans, goals, objectives and expectations set forth in the forward-looking could cause actual results to differ materially from the future results expressed or implied by the statements. [...] Past performance is not an indicator of future results and the results of the Company business conditions (such as the UK’s exit from the EU and the ongoing conflict between Russia and and its affiliates in this document may not be indicative of, and are not an estimate, forecast or Ukraine); market related risks such as fluctuations in interest rates and exchange rates, and the projection of, the. [...] performance of financial markets generally; the impact of inflation and deflation; the impact of competition; the timing, impact and other uncertainties associated with future acquisitions, disposals or combinations undertaken by the Company or its affiliates and/or within relevant industries; experience in particular with regard to mortality and morbidity trends, lapse rates and policy renewal ra.