Acumen & Trust Ltd executive financial planning service

2. The Acumen Executive Financial Planning Service The Service is Advice and not Commission Driven

6. Key Elements of the Service Pensions Mortgages & Finance Deposits & Investments Tax Planning Protection Specialist Resources

7. Pensions Analysis & recommendations Advise on alternative pension arrangements (eg SSAPS) Quantify spouse’s pension entitlements Quantify deferred pension entitlements Pension projections & demonstrate benefits of AVCs Current pension scheme benefits Prepare > Review >

8. Deposits and Investments Cash External Opportunities Beacon Trust Existing Holdings Structured Products Bad Investments Risk Income Access Tax

9. Protection Health Insurance Critical Illness Life Assurance Salary Insurance Pension Scheme Mortgages & Loans Personal / Family

11. Personal Tax Rents Investments Capital Gains Other Taxes Key tax Filing Dates BIK Share Options Salary PAYE / PRSI Claim Maximum Credit / Allowance Total Income Tax Status Compliance / Returns

14. Online Financial Planning Form

15. Financial Planning Spreadsheets

17. Systems / R&D

18. System Example

19. Investment Program Output

20. Liquidity Model

21. Liquidity Model

22. Life Assurance Program

24. Example of Real Benefits of Investment Choice

25. Track Record We structured and promoted two investments in 2009: + 6% (+9% AER) + 56% Performance to Date No Risk – Medium Growth Strong Growth Objective 3 Years 6 Months (from June 2009) 2 Years 3 Months (from March 2009) Term 100% 160% (Cap of 56% growth) Participation Rate 100% 50% Protection Credit Bond Oil Bond Name

30. Wealth Management Team Director David Robb BComm AITI Consul tant David Moran MA QFA FLIA Consultant Emer Brogan BSc QFA Consultant Oonagh O’Byrne BEd Dip Pch Direct or Conor Crowley FIIPM Consultant Stephen Jones QFA Customer Services Ger Keyes BA MMII Grad FCII

33. www.acumenandtrust.com