6 CollectiveS Portfolio Service This service was created for clients requiring easy and ready- made access to the investment markets. To assist you we have created four model portfolios, each providing exposure to one of four major investment themes: Cash & Bonds, Income, UK Equity Growth and International Growth. Each of the four model portfolios invests solely in collective investments. Depending on the investment objectives, we will advise on a mix of the above model portfolios that best matches the client's requirements. Allocation between the four portfolios is driven by the client's specific personal requirements with regard to income and/ or growth, as well as attitude to risk. Subsequently, this allocation will be actively monitored on a bi-monthly basis and adjusted as necessary to ensure that it remains appropriate to the client's needs and is in line with our current investment outlook. Inheritance Tax Portfolio Service To help your clients plan for IHT, we have created the Charles Stanley Inheritance Tax Portfolio Service. Using a tax relief created in 2000, our team can help your clients optimise the transfer of capital to their beneficiaries, by constructing a portfolio of qualifying companies traded on the Alternative Investment Market that, under current legislation, will fall outside their taxable Estate two years after the date of investment. Specialist investment services In aiming to deliver the highest level of professional service to investors, Charles Stanley has, over the years, developed experienced teams of specialist advisers. Offshore bond portfolio services We can offer discretionary management services to your clients, enabling them to hold the assets within an offshore bond whilst retaining the funds within our Nominee Service. Charities Our Charity team has earned a reputation over the years for meeting the investment needs of charities of all sizes. Charles Stanley's long experience in the charities sector has also led to our involvement with the Charities Aid Foundation as a member of its panel of approved advisers. Court of Protection We also have a dedicated team with twenty years' experience in the Court of Protection field. It has formed excellent working relationships with the Court, legal practitioners and the various offices involved. Corporate Finance Our corporate division, Charles Stanley Securities, specialises in UK quoted smaller and mid- cap companies and those working towards an IPO, acting on flotation as Nominated Adviser, Financial Adviser or Sponsor. It also manages its corporate clients' relationships with the division's equity research, equity sales and sales trading teams.

10