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Once a need has been established (e.g. savings for education fee funding or pension top up, that will
be calculated by FELIX) the next stage will be to then identify a product with the client by asking a
series of questions:

1) Would you prefer to pay monthly, quarterly, bi - annually or annually
2) Would you prefer to pay by bank transfer, credit card or PayPal
3) Would you like the ability to increase contributions
4) Would you like the ability to decrease contributions
5) Would you like the ability to add lump sums
6) Would you like the ability to withdraw money - say in case of an emergency
7) Would you like to invest in an institution and jurisdiction that offers one of the highest level of
investor protection in the world
8) Would you like to be able to invest in a choice of USD, GBP, AUD, YEN, Euro........
9) Would you like the ability to invest in the largest banks and fund managers throughout the
world
10) Would you like to invest in a jurisdiction where there is almost no chance of regime change?
11) Would you like to invest in a jurisdiction that allows portability and continuity to manage your
investment from anywhere in the world
12) Would you like your investments to grow free of any taxation or is that a silly question?

This will lead on to the Risk part of the system, that will help build a portfolio for the client based on
their risk profile, which is ascertained from a further set of questions, and, will relate to the ‘key
system’ risk rating allocated to each life internal fund or Ascot International fund (where five keys
represent the most risk averse investments and one key the most adventurous, but where the
associated risk is highest).

FELIX will provide a report (that has calculated the necessary savings required taking into account
historical inflation and case studies on costs of living or college fees required in the respect country,
based on a growth rate selected by the risk profile of the client. The Client will be guided and given
options in how they would prefer to save in order to reach the targeted savings amount by varying the
level of premium, term and growth rate.

The product features selected by the client will be listed with a recommendation that the appropriate
product e.g. the Ascot Life International Savings Plan, meets the requested criteria. The use of trusts
may also be recommended from Ascot Fiduciary.

If the client then wishes to proceed, they will complete the online application form and undertake the
necessary client due diligence operations. A copy of the FELIX report will accompany the application.
The application will feed straight into the Ascot administration systems for automated processing.

Even where a distributor is involved, FELIX means advice can be given without an adviser being present
and can therefore reach greater numbers of prospective investors. It can be used in cases where the
introducer is not themselves a financial adviser, or in direct sales, or where the prospective client has
arrived via direct or affiliate marketing, to ensure the appropriate investment and risk is being applied
for, even though a financial adviser is not involved.