REGULAR SAVINGS PLAN

ILLUSTRATION
CAPITAL REDEMPTION (99 YEAR TERM) ILLUSTRATION PREPARED ON 08 NOV 2023 FOR MR JULIO ALVES GOMES, A CLIENT OF
DELOWAY SA

ILLUSTRATION REFERENCE: wulggftm7rh4

PLAN SUMMARY

Client: Julio Alves Gomes

Age: 56 years
Residence: Brazil
Plan currency: USD Lump sum payments: No
Payment term: 14 years
Payment amount: USD 420
Payment frequency: Monthly
Allocation rate: 100% Withdrawals: No
Establishment period: 18 months
Financial adviser fee: 0.00% Investment adviser fee: 1.00%

BONUSES

Starter bonus: We will add bonus establishment units to your plan at outset equal in value to USD 630
Loyalty bonus: We will add bonus standard units equal to 3.50% of your plan value at the end of the payment term

WHAT MIGHT I GET BACK?

These figures illustrate what you might get back from your plan assuming four different growth rates. The number of years shown
reflect your chosen projection period.

The growth rates shown are per year and all values are in your plan currency. The red line indicates the end of your payment term.

End of Estimated plan value Estimated plan exit value

plan Total paid
year to date
0.00% 3.00% 5.00% 9.00% 0.00% 3.00% 5.00% 9.00%

1 5,040 5,341 5,435 5,497 5,620 0 0 0 0

2 10,080 9,703 10,016 10,227 10,654 4,836 4,950 5,026 5,179

3 15,120 13,923 14,570 15,013 15,926 9,600 9,934 10,160 10,622

4 20,160 18,066 19,162 19,923 21,521 14,263 14,960 15,439 16,433

5 25,200 22,133 23,791 24,960 27,460 19,029 20,263 21,126 22,949

6 30,240 26,122 28,456 30,127 33,765 23,462 25,343 26,677 29,551

7 35,280 30,033 33,156 35,426 40,457 27,795 30,458 32,377 36,592

8 40,320 33,867 37,892 40,859 47,562 32,003 35,577 38,194 44,054

9 45,360 37,623 42,661 46,431 55,105 36,136 40,757 44,196 52,052

10 50,400 41,303 47,463 52,143 63,114 40,708 46,582 51,023 61,374

14 70,560 57,193 69,336 79,136 103,932 57,193 69,336 79,136 103,932

15 70,560 55,645 69,516 80,903 110,348 55,645 69,516 80,903 110,348

20 70,560 48,393 70,352 90,317 148,947 48,393 70,352 90,317 148,947

25 70,560 41,859 71,064 100,770 201,191 41,859 71,064 100,770 201,191

30 70,560 35,936 71,622 112,365 271,929 35,936 71,622 112,365 271,929

40 70,560 25,518 72,129 139,429 497,553 25,518 72,129 139,429 497,553

1 of 3 | REF: wulggftm7rh4 IoMCOBS POST AGENT Deloway SA - Gilberto De Souza Goncalves 43063
What growth do I need to get my money back?
Based on your 14 year payment term and RL360 charges only, your plan would need to grow by at least 2.19% each year in order for
you to get USD 70,560 back.
• The figures assume that a constant growth rate will be • The figures shown in this illustration are not guaranteed. They
achieved but in practice it will vary and future performance do not represent minimum or maximum amounts, so you
cannot be predicted. could get back more or less than the amounts shown.
Ultimately what you get back depends on the amount you
• Changes in the exchange rates between currencies may pay, the performance of your chosen funds, the charges &
cause the value of funds to fall or rise. fees deducted and any withdrawals taken.

CHARGES

You will pay the following charges on this plan:

Establishment charge Administration charge

stops after 14 years stops when your plan ends

Charge per month Based on Charge per month Based on

0.50% establishment unit value only 0.125% total plan value

deducted on the monthly anniversary of your plan deducted on the monthly anniversary of your plan

Servicing charge Exit charge

stops when your plan ends only applies if you exit during the payment term

Charge per month Increases by

Exit charge
USD 7.00 IoM RPI each year

a table of exit charges as they apply to your plan are detailed in

deducted on the monthly anniversary of your plan
your key information document

These are deducted to cover the cost of operating your plan, including the payment of any commission to your financial adviser
and our ongoing administration.

WHAT HAPPENS ON MATURITY?

When your plan matures in 99 years’ time we will pay 100% of the exit value plus a guaranteed amount of USD 140. Once we have
paid this your plan will come to an end.

IMPORTANT

• Future inflation will reduce what you could buy with the amounts shown.
• Before applying you should consult with your financial adviser and read the Regular Savings Plan literature suite in full.
• Tax legislation varies from country to country so you may wish to seek advice from a tax specialist prior to applying for this plan.
• You should make sure you are fully aware of all charges that may apply.
• You can monitor the progress of your plan by using the Online Servicing Centre.

YOUR PRIVACY

To produce this document your financial adviser has used the RL360 Illustration system. They have collected personal data about
you in order to create an illustration specific to you.

RL360 will keep your personal data within the illustration system for a period of up to 12 months. This is to allow you and your
financial adviser time to consider the product and make a purchase decision, without having to re-key your data again.

After 12 months all of your personal data will be removed from the illustration system. If you have become a plan owner, you will
already be subject to our standard privacy policy, if not we will hold no further personal data about you.

If you have any queries regarding the use of your personal data please contact our Data Protection Officer by email at
dpo@rl360.com. Our full data privacy notice is available to read on our website.

2 of 3 | REF: wulggftm7rh4 IoMCOBS POST AGENT Deloway SA - Gilberto De Souza Goncalves 43063
DECLARATION

I confirm that I have read the information provided in this illustration and the Regular Savings Plan literature suite.

JULIO ALVES GOMES

Signed

Date

RL360 Insurance Company Limited. Registered Office: International House, Cooil Road,
Douglas, Isle of Man, IM2 2SP, British Isles. Registered in the Isle of Man number 053002C.
RL360 Insurance Company Limited is authorised by the Isle of Man Financial Services Authority.
3 of 3 | REF: wulggftm7rh4 IoMCOBS POST AGENT Deloway SA - Gilberto De Souza Goncalves 43063
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 REGULAR SAVINGS PLAN

KEY INFORMATION DOCUMENT

FOR MR JULIO ALVES GOMES TAKING OUT A NEW PLAN

Regular Savings Plan

A regular savings plan linked to the value of investment Registered office address: International House,
funds. Cooil Road, Douglas, Isle of Man, IM2 2SP, British Isles.

Issued by RL360 Insurance Company Limited, who are Telephone number: +44 (0)1624 681682
regulated by the Isle of Man Financial Services Authority. Email address: csc@rl360.com

This document provides you with key information about this investment product. It is not marketing material. The information
is required by law to help you understand the nature, risks and costs of this product and to help you compare it with other
products.

WHAT BONUSES ARE ADDED TO MY PLAN?

WHAT IS THIS PRODUCT?
It is a regular savings plan, where its value can go up or Starter bonus
down as a result of the performance of the funds it At the start of your plan, we will add a bonus of USD 630.
invests into.
This is applied to establishment units which are subject
to the charges set out in the “What are the costs?”
It offers access to a range of funds, with the option to
section of this document.
appoint an Investment Adviser to select and monitor
them on your behalf.
Loyalty bonus
We will add a bonus equal to 3.50% of your regular
OBJECTIVE
payments’ plan value on successful completion of your
payment term. The bonus will be applied as standard
To offer you the ability to increase the value of money you units in the funds you have selected.
pay into the plan over the medium to long term (10
years+). If you miss a number of years’ payments your loyalty
bonus will be reduced.
It aims to do this by investing payments into your choice
of funds. The plan can only meet its objective where the Lump sum payments do not count towards the
funds you select grow at a rate which is greater than the calculation of the loyalty bonus at the end of the payment
charges and fees deducted. term.

WHO SHOULD INVEST? MATURITY BENEFIT

You will want to invest for the medium to long term, and: Your plan can remain active for 99 years from its start
date. At the end of 99 years we will pay out a guaranteed
• be confident of paying into and holding the plan for the amount of USD 140 in addition to the value of the plan.
full term
• do not need access to the money you have paid in for at
least 5 years WHAT ARE THE RISKS?
• are willing to review and monitor your plan on a regular INVESTMENT RISK
basis
• understand you could get back less than you have paid The value of the funds linked to your plan may go down
in as well as up and are not guaranteed. If the growth they
achieve is less than the charges and fees deducted then
PAYMENTS you may get back less than you pay in.

The funds will have supporting materials available from

Regular the fund manager that provides them. These will
You have contracted to pay USD 420 per month for 14 commonly detail how the fund is structured, how it is
years. performing, underlying assets, its risk profile and other
important information. It is your responsibility in
Each payment will be allocated to your plan at 100%. conjunction with any adviser, to select appropriate funds
to match your risk profile.
An establishment period of 18 months will apply. During
this period, each regular payment will be applied to If the funds selected reduce in value, this will reduce your
establishment units in the funds you have selected. plan value and we will not compensate you as a result.

Once the establishment period is complete, your regular Where the provider of a fund linked to your plan
payments will create standard units. becomes insolvent or is unable to meet its liabilities for
any reason, your plan will suffer the loss.

1 of 4 | REF: wulggftm7rh4 - Deloway SA - Gilberto De Souza Goncalves 43063

 REGULAR SAVINGS PLAN

We do not provide investment advice.

HOW LONG SHOULD I
CURRENCY RISK
HOLD IT AND CAN I TAKE
If the funds you select are held in a currency which is MONEY OUT EARLY?
different to that of your plan, then any changes in
PAYMENT TERMS
exchange rates between currencies could reduce the
value of your plan.
Your contractual payment term is 14 years. It is
WITHDRAWALS recommended that you commit to paying for the full
term.
Taking withdrawals from your plan could limit its ability
COOLING OFF PERIOD
to meet your original investment goal, especially if the
funds linked to it do not grow enough to cover the
withdrawals. If you change your mind and do not want to continue
your plan after it starts, there is a cooling off period within
EARLY EXIT which you can cancel. You will have 30 days from when
you receive your Welcome Pack to do this.
If you cancel your plan during the establishment period
If you decide to cancel, you will get your initial payment
you will get no money back. After this period your plan
back except where it has fallen in value, in which case the
will be subject to an early exit charge through to the end
amount you receive back will be less. Typically we will
of the payment term. The charge reduces over the term
return your money within 2 weeks, however this may take
but could mean you get back less than you pay in,
longer where the sale of funds is delayed for any reason.
particularly during the early years.
You can also cancel any time before we issue your plan
TAX simply by telling us.

Changes to the law may affect the tax treatment of your WITHDRAWALS
plan or the funds linked to it and reduce the amount you
get back in the future. You can withdraw money from your plan during the
payment term subject to the following:
REGULATION
• it must have completed the establishment period

If you move to a different country after taking out your • there must be sufficient standard units in your plan to
plan, the regulatory requirements of that country may fund the withdrawal; and
prevent you from doing certain things with it. For • its value after the withdrawal is greater than USD 7,000
example increasing regular payments or paying in lump
The minimum withdrawal you can take is USD 350.
sums, changing funds or taking withdrawals.
Whilst this plan offers the flexibility to take withdrawals
after the establishment period, it is mainly designed to
COULD I LOSE MONEY? allow you to take money out once you have reached, or
are near to the end of the payment term.
Yes it is possible. This plan does not provide any
guarantees or capital protection.
CANCELLING THE PLAN
You will have the right to cancel this plan within 30 days
of receiving your Welcome Pack. Details are provided in If you cancel your plan after the cooling off period but
the “Cooling off period” section. during the payment term, your plan will be subject to an
early exit charge which could mean that you get back
RL360 is a participant insurer in the Policyholders less than you pay in, particularly in the early years.
Compensation Scheme established under the Life Further details can be found in the “What are the costs?”
Assurance (Compensation of Policyholders) Regulations section of this document.
1991. This will pay, subject to the provision of the scheme,
a sum up to 90% of the amount of any liability of RL360
under this plan, should the company become insolvent. HOW DO I MAKE A
Please note that this Scheme is in relation to RL360 and
does not relate to any of the funds within your plan
COMPLAINT?
becoming insolvent. All funds are owned by RL360, so If you need to complain about this plan, please contact
you will not be eligible for any investor compensation RL360 Customer Relations using the details at the top of
scheme, which may otherwise exist if you had invested this document or email customer.relations@rl360.com.
directly in the fund outside of this plan. You can ask us for a copy of our complaints handling
process, and this is also detailed on our website.

Complaints can be referred to the Financial Services

Ombudsman Scheme (FSOS) for the Isle of Man if you are
not satisfied with our response.

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 REGULAR SAVINGS PLAN

The Ombudsman’s contact details are:

The Financial Services Ombudsman Scheme for the Isle
of Man, Thie Slieau Whallian, Foxdale Road, St John’s, Isle
of Man, IM4 3AS, British Isles
T: +44 (0)1624 686500
E: ombudsman@iomoft.gov.im

THIS DOCUMENT
Was created on 8 November 2023. We base the
statements made in this document on our
understanding of your payments at the start of the plan.
Any increase or lump sum payment you make at a later
date could have different charges and impact the exit
value of your plan. We’ll provide you with a separate Key
Information Document for any future regular payment
increase or lump sum.

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 REGULAR SAVINGS PLAN

WHAT ARE THE COSTS?

Although the intermediary firm that has advised you may not charge directly for the advice received, if you take
up this plan it will receive a payment. RL360 will pay Deloway SA initial commission equal to 3.00% of the total
payments expected over the payment term. In addition, from month 19, RL360 will pay to the intermediary firm a
proportion of the charges deducted. The amount will be equal to 2.50% of each payment made during the
remainder of the payment term. All amounts paid to the intermediary firm are funded by the charges that you pay
for the plan.
Charges and fees associated with this plan are reflected in the table below and deducted by unit cancellation:

Establishment 6.00% per year. Calculated as a percentage of the establishment unit value held in your plan, deducted
charge monthly in arrears. The charge will continue for 14 years.
Administration 1.50% per year. Calculated as a percentage of the total plan value, deducted monthly in arrears and
charge proportionally across both establishment and standard units. The charge will continue throughout the
life of your plan.
Servicing USD 84 per year. Deducted monthly in arrears from standard units. This charge will increase every year
charge in line with the Isle of Man Retail Price Index. This charge continues throughout the life of your plan.

If you stop paying in to your plan during the payment term, the servicing charge will be multiplied by
3.
Early exit An early exit charge is taken if you cancel your plan after the cooling off period but during the
charge payment term.

Your plan has no value during the establishment period. Once the establishment period is complete,
the early exit charge is calculated as a percentage of the establishment unit value. This reduces each
year based on the remaining time until the end of your payment term, as shown in the table:

Years to end of Early exit Years to end of Early exit

payment term charge payment term charge
1 8.00% 11 60.00%
2 15.50% 12 63.00%
3 22.00% 12 yrs 6
64.50%
4 28.50% month(s)
5 34.00%
6 39.50%
7 44.00%
8 48.50%
9 52.50%
10 56.50%

If you cancel your plan during its first 5 years, your starter bonus will have no value.
Additional costs The funds in your plan will have their own charges. These vary for each fund and are reflected in its
unit price.

There may be charges associated with payments or withdrawals by telegraphic transfer and other
means.
Adviser fees You have agreed to pay a fee of 1.00% per year to your investment adviser in respect of their ongoing
service. This will be calculated and deducted from your plan, based on its value, every quarterly
anniversary. We will continue to pay this fee throughout the life of your plan unless you tell us to stop.

Sign below to confirm you have read the information in this Key Information Document and agree to proceed with this
plan.

JULIO ALVES GOMES

Signed

Date

RL360 Insurance Company Limited. Registered Office: International House, Cooil Road,
Douglas, Isle of Man, IM2 2SP, British Isles. Registered in the Isle of Man number 053002C.
RL360 Insurance Company Limited is authorised by the Isle of Man Financial Services Authority.
4 of 4 | REF: wulggftm7rh4 - Deloway SA - Gilberto De Souza Goncalves 43063

File generated by OLQ built on 27 Sep 2023 with Illustration v. 2.50.11.30947