Getting started with RL360° Quantum

If you are keen to start saving, the first thing you should do is have a conversation with

your financial adviser. We believe it's crucial that you take professional advice before

investing in any of our products, and that is why we only accept business introduced via

financial advisers. They will be best placed to advise you as to how to tailor a Quantum

policy so that it best meets your specific needs and attitude to risk.

Here is a brief summary of some of the options:

You can set up a policy in 1 of 7 currencies including Pound sterling (GBP), Euro (EUR),

United States dollar (USD) Swiss franc (CHF), Australian dollar (AUD), Hong Kong dollar

(HKD) and Japanese yen (JPY)

You can start saving with as little as USD 320 a month (this can always be increased later)

100% of each premium paid will be allocated to the purchase of units in your policy. For

larger premiums, the allocation rate can increase up to 102%.

You can pay premiums via a number of different methods including credit card. And, if you

do choose to pay by card, we won’t add a penny in costs

You will be able to select from more than 150 funds from some of the world's leading fund

managers, and you won't pay any initial fund charges

There are no charges for changing funds using our online service, so you can switch

between sectors and themes as frequently as you decide

If your circumstances change, even if only after a short while (please read the Quantum

Key Features http://www.rl360.com/row/products/quantum/features.htm for full details),

your Quantum policy can change with you – our premium holiday option means you can

take a break from saving. You can also take withdrawals should you need to, and pay in

lump sums when you want to.