An Overview

• A regular investment plan for as little as €50 per month.
• An opportunity to harness the potential growth of bond and equity markets.
• A proven performance track record.
• Extensive choice of funds.
• Reduced risk through portfolio diversification and expert investment management.

Product Type

This is a unit-linked regular investment plan.

Investment Term

We recommend at least five years.

Minimun Premium

€50.79 per month, €152.37 per quarter, €304.74 per half-year or €507.90 per year.

Making an Additional Investment

Increases on regular premiums can be made. You can also make single premium injections of at least €634.87.

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Matrix

Matrix is a collection of fund choices that allows you to mix and match return/risk and control variables. In general, higher returns can only be achieved at the expense of greater risk. The Personal Investment Plan has a higher risk profile than say savings certificates or a standard deposit account, but over the longer term investors have been rewarded for this risk through a higher return. (Data is available on request.)

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Extensive Choice of Funds

The Personal Investment Plan offers a range of unit-linked funds each having its own return/risk and control profile. This enables you to select funds that match your attitude to risk and control. You can either link your plan fully to one fund or link it to a combination of funds.

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Protection Against Inflation

In order to maintain the real value of your investment there is an automatic facility to increase the amount of money you invest each year, so that inflation will not reduce the real value of the amount you invest. You retain the right to refuse such increases as they are offered.

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Taxation

• If you are neither resident nor ordinarily resident in the Republic of Ireland at the time of the 'chargeable event'*, we will pay the proceeds of the policy without deduction of Irish taxes. However, depending on the individual circumstances and the jurisdiction in which you are taxable at the time you receive the benefits of the policy, you may have a liability to tax under the tax legislation of that country.
• If at the time of the 'chargeable event'* you are resident or ordinarily resident in the Republic of Ireland, the full amount of the gain including the growth while you are outside the Republic of Ireland will be taxed at exit tax which is equal to the standard rate of Irish income tax plus three percent.

* Chargeable events include the following:- full encashments, partial    encashments, income withdrawals, assignments (in whole or in    part).

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Life Insurance Cover

This product has been designed primarily as a savings policy. The amount payable on the death of the life insured (or in the case of a joint life policy on the death of the second life insured) will be €634.87 or the appropriate bid value of the units attaching to the plan if this is greater.

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Current Charges

• Allocation of Premium
  Ninety five percent of each premium buys units at the ruling bid price in your chosen fund. There is no bid/offer spread.
• Management Charge
  The ongoing administration of your plan is covered by an annual management charge of 1.25% of the value of your policy.  If the fund chosen is a Scudder Threadneedle Investments fund, then this charge will be 1.75% per annum.
• Policy Fee
  Currently, there is a policy fee of €3.81 per month.
• Partial Encashment & Switching Unit Funds
  The current charge for these services is €19.05.

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Specific Policy Information applicable to UK Resident Policy Owners only

Holders of policies issued by us will not be protected by the UK's Policyholder's Protection Act 1975, if the company should become unable to meet its liabilities to them and they are not covered by the UK Investors Compensation Scheme or any protections under the Financial Services Act 1986. We may be required to provide details of any gains/surrenders on such policies to the UK Inland Revenue.

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IMPORTANT

The information or any part of it contained in this notice does not form part of a contract of insurance between you and
e-insuranceireland. This notice is only intended as a guide to the Unit-linked Bond. The terms of a contract with
e-insuranceireland are governed by Irish law and are contained in the policy documentation (Policy Certificate and Policy Document).

For further information contact us.

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