CANADA LIFE INDIVIDUAL PROTECTION

CANADA LIFE INDIVIDUAL PROTECTION Adviser Guide Insure. Secure. Protect. 7 March 2019

CONTENTS ABOUT CANADA LIFE 3 OUR PRODUCTS 4 BENEFITS DESIGNED FOR YOUR CLIENTS 5 OUR CRITICAL ILLNESS COVER BENEFITS 7 BENEFITS DESIGNED FOR CHILDREN 8 SUPPORT SERVICES 9 COVER AND BENEFITS AT A GLANCE 10 CRITICAL ILLNESS BENEFITS AT A GLANCE 12 OUR UNDERWRITING APPROACH 13 MAXIMUM COVER AND UNDERWRITING LIMITS 13 TARGET MARKET 14 SUMMARY 15 2 Individual Protection Adviser Guide

ABOUT CANADA LIFE WE PROVIDE SUPPORT WHEN IT S NEEDED MOST WE ARE CANADA LIFE WITH OVER 45 YEARS EXPERIENCE COVERING THOUSANDS OF CUSTOMERS THROUGHOUT THE UK. OUR MISSION IS TO HELP PEOPLE WHEN THEY NEED IT MOST. DISCOVER MORE AT WWW.CANADALIFE.CO.UK HOW IT ALL BEGAN Although our business comes all the way from Canada where we sold our first policy in 1847 our Individual Protection is based in Bristol and Potters Bar. We have offices throughout the UK, Canada and Europe specialising in a wide range of financial services, from pensions to investments. We now support #1 25,000 UK EMPLOYERS 2.8 m UK EMPLOYEES 260 bn OF BENEFITS WE ARE THE LARGEST PROVIDER OF GROUP INSURANCE IN THE UK FINANCIAL RATINGS We hold strong financial ratings through our parent company, so you can rest easy when taking out a policy with us. We are wholly owned by The Canada Life Assurance Company. Canada Life is a subsidiary of Great-West Lifeco Inc and a member of the Power Financial Corporation group of companies. RATING AGENCY A.M. Best Company Dominion Bond Rating Service MEASUREMENT GREAT- WEST CANADA LIFE 1 Financial Strength A+ A+ Financial Strength AA AA Fitch Ratings Insurer Financial Strength AA AA Moody s Investors Service Standard & Poor s Corporation Insurance Financial Strength Aa3 Aa3 Insurer Financial Strength Subordinated Debt AA AA AA- 1 Canada Life Assurance Company (which owns 100% of Canada Life Limited) Source: Great-West. Ratings are correct as at 6 March 2017. Individual Protection Adviser Guide 3

OUR INDIVIDUAL PROTECTION PRODUCTS AT A GLANCE WE PROVIDE: LIFE INSURANCE Makes a payment upon death or diagnosis of a terminal illness LIFE INSURANCE LEVEL Cover amount Premium remains unchanged Time LIFE INSURANCE INCREASING Cover increases each year Premium increases each year Time LIFE INSURANCE DECREASING Cover decreases each year Premium remains unchanged Time The level of cover reduces on a monthly basis based on a fixed yearly rate of 8%. LIFE INSURANCE PLUS CRITICAL ILLNESS COVER In addition to life insurance, critical illness cover makes a payment if your client is diagnosed with a serious illness Both are available on a Level, Increasing or Decreasing basis. OPTIONAL BENEFITS Inflation-linked option Your client can inflation-proof their Level Term policy by choosing the inflation-linked option. The amount of cover will increase in line with the Retail Prices Index each year. We will write to your client in advance to let them know what the increase in cover and premium will be. They do not have to accept the increase. However, if they do not accept it they will not be able to increase it again in the future. Trusts available Your client may benefit from writing their policy under trust. 1 The payment can be held outside of their estate for Inheritance Tax purposes 2 Trustees ensure the money goes to the most appropriate people, even where there is no will in place 3 There is no need to wait for probate to make the payment Both our trusts are split trusts. This means they are suitable for both our products: the critical illness is split from the life insurance so the critical illness can be held for the policyholder while the life insurance is held in trust for the beneficiaries. Discretionary Trust This type of trust is more flexible than the Bare Gift Trust. It includes a wide range of potential beneficiaries and allows further beneficiaries to be added after the trust is set up. Bare Gift Trust With this type of trust the donor must name their beneficiaries and what share of it they want each to receive. The trust is for the absolute benefit of named individuals. Once the trust has been established, the trustees cannot change the beneficiaries or the amounts they will receive. 4 Individual Protection Adviser Guide

BENEFITS DESIGNED FOR YOUR CLIENTS OUR POLICIES OFFER A COMPREHENSIVE RANGE OF BENEFITS LIFE INSURANCE Life insurance is included in all our policies. On a joint life policy the payment is made to the surviving policyholder. Once it has been paid the policy ends. TERMINAL ILLNESS COVER All our policies will make a payment if the person with cover is diagnosed with a terminal illness which a consultant confirms will lead to death within 12 months. On joint life policies the payment can be made if either person is diagnosed with a terminal illness. Our terminal illness cover runs to the end of the plan. Once a payment has been made the policy ends. WAIVER OF PREMIUM BENEFIT At the start of their policy, your clients can choose to pay an additional premium. By doing so, if they are unable to do their usual job for at least 13 weeks due to illness or disability, they won t have to make their payments. This benefit will continue for as long as they are unable to work, but expires when they reach the age of 70 or the policy ends. On joint life policies, this benefit is available to each of your clients. There is a separate charge for each of them. CRITICAL ILLNESS COVER Critical Illness cover is only available with Life Insurance plus Critical Illness plans. If a policyholder is diagnosed with a critical illness while the policy is in place, we will make a payment. There are 52 core critical illness conditions and 44 additional critical illness conditions. Single life insurance We will make a full payment for a core illness claim. The plan will then end. A core illness claim Additional illness claims Joint life insurance We will make a full payment for the first core illness claim. The plan will then end. We will pay 25% of the amount of cover, up to 25,000. The plan will continue in case your client(s) needs to claim again. Your client make up to four additional or child specific claims in total. Once your client has made four claims, we can still pay a claim if they: Are diagnosed with a core critical illness Are diagnosed with a terminal illness Die Are totally and permanently disabled (providing they took out this optional extra) The plan finishes when we have paid the claim. A WIDE RANGE OF SUPPORT SERVICES See page 9 for further details. Your client can make up to six additional or child specific claims in total (see page 11). Once your clients have made six claims, we can still pay a claim if one of them: Is diagnosed with a core critical illness Is diagnosed with a terminal illness Dies Is totally and permanently disabled (providing they took out this optional extra) The plan finishes when we have paid the claim. Individual Protection Adviser Guide 5

OUR CRITICAL ILLNESS COVER BENEFITS 52 CORE CRITICAL ILLNESS CONDITIONS Aorta graft surgery Aplastic anaemia with permanent bone marrow failure Bacterial meningitis Benign brain tumour or with specified treatment Benign spinal cord tumour or with specified treatment Blindness permanent and irreversible Brain abscess with specified treatment Brain injury due to anoxia or hypoxia Cancer excluding less advanced cases Cardiac arrest with insertion of a defibrillator Cardiomyopathy of specified severity Cauda equina syndrome with permanent symptoms Chronic lung disease advanced stage respiratory failure Coma Coronary artery by-pass graft Creutzfeldt-Jakob disease Deafness permanent and irreversible Dementia Encephalitis Heart attack Heart failure Heart valve replacement or repair HIV infection caught from a blood transfusion, physical assault or accident at work Intensive care requiring mechanical ventilation for 10 consecutive days Kidney failure requiring permanent dialysis Liver failure of specified severity Loss of hand or foot permanent physical severance Loss of independence Loss of speech total permanent and irreversible Major organ transplant from another person Motor neurone disease Multiple sclerosis with clinical symptoms Myasthenia gravis with specified symptoms Neuromyelitis optica (Devic s disease) with clinical symptoms Paralysis of a limb total and irreversible Parkinson s disease Parkinson plus syndromes Peripheral vascular disease requiring bypass surgery Primary pulmonary arterial hypertension of specified severity Pulmonary artery surgery Removal of an eyeball due to injury or disease Removal of a complete lung Rheumatoid arthritis of specified severity Severe Crohn s disease treated with two surgical intestinal resections or removal of entire large bowel Spinal cord stroke resulting in persisting symptoms Stroke resulting in persisting symptoms Structural heart surgery Syringomyelia or syringobulbia with surgery Systemic lupus erythematosus with serious complications Third degree burns covering at least 20% of the surface area of the body or 20% of the face or head Traumatic brain injury Ulcerative colitis treated with total colectomy (removal of the entire bowel) 6 Individual Protection Adviser Guide

44 ADDITIONAL CRITICAL ILLNESS CONDITIONS ADULT SERIOUS ACCIDENT BENEFIT We will pay 7,500 to a policyholder Aortic aneurysm with endovascular repair Aplastic anaemia of specified severity Carotid artery stenosis with surgical repair Central retinal artery or vein occlusion Cerebral or spinal aneurysm with specified treatment Cerebral or spinal arteriovenous malformation with specified treatment Chronic hepatitis B or C Coronary angioplasty with specified treatment Crohn s disease treated with intestinal resection Diabetes mellitus Type 1 Drug resistant epilepsy treated with invasive surgery to brain tissue Guillain-Barré syndrome with persisting clinical symptoms Infective bacterial endocarditis Less advanced cancers: anus treated with surgery appendix, colon or rectum treated with surgery bile ducts treated with surgery breast treated with surgery cervix treated with surgery gall bladder treated with surgery larynx with specified treatment lung and bronchus with specified surgery oesophagus with surgery to remove the tumour oral cavity or oropharynx treated with surgery ovary with surgery to remove an ovary pancreas treated with surgery renal pelvis and ureter of specified severity prostate requiring treatment small intestine treated with surgery stomach treated with surgery testicle with specified surgery thyroid treated with surgery urinary bladder uterus treated with specified surgery vagina treated with surgery vulva treated with surgery Non-invasive gastro intestinal stromal tumour Non-malignant pituitary gland tumour with specified treatment Pericarditis chronic constrictive pericarditis or requiring surgery Permanent pacemaker insertion for heartbeat abnormalities Removal of one or more lobes of the lung Severe sepsis Significant visual loss permanent and irreversible Third degree burns covering 10% of the surface area of the body or 10% of the face or head Urinary bladder removal Please download our Critical Illness Definitions Guide for a guide to conditions covered. Please note: Your client must survive for at least 14 days from when they are first diagnosed or where applicable the date of surgery in order to make a claim. who is in hospital or another recognised medical establishment, with physical injuries for a minimum of 28 consecutive days immediately following an accident. Their injuries must have resulted solely and directly from sudden, unforeseen, external and visible means and must be independent from any other cause. We will make a maximum of two payments under the policy. OPTIONAL TOTAL AND PERMANENT DISABILITY COVER This is an optional cover for adults, available for an additional charge at the start of a Life Insurance plus Critical Illness policy. If included, we will make a full claim payment if the insured person is diagnosed as being totally and permanently disabled. After this the policy will end. On joint life policies, this cover is available to each insured person and there is a separate charge for each person covered. Individual Protection Adviser Guide 7

BENEFITS DESIGNED FOR CHILDREN OUR LIFE INSURANCE PLUS CRITICAL ILLNESS POLICIES AUTOMATICALLY PROVIDE A NUMBER OF BENEFITS FOR CHILDREN CHILDREN S CRITICAL ILLNESS COVER Children are covered for the 51 core critical illness conditions for 50% of your client s amount of cover (up to 25,000) Children are covered for the 44 additional critical illness conditions for 25% of your client s amount of cover (up to 25,000). Children are covered for a further six child specific medical conditions for 50% of your client s amount of cover (up to 25,000): Cerebral palsy Children s intensive care benefit Cystic fibrosis Hydrocephalus Muscular dystrophy (MD) Spina bifida myelomeningocele or myelogchisis For the core and additional illnesses the symptoms must be first evident after the start of the policy or legal guardianship of the child began. Children s specific illness claims can be made from birth if a policy is taken out before they are born. If a policy is taken out after a child is born, symptoms must be first evident at least 12 months after the policy Start date for a claim to be made. CHILDREN S TERMINAL ILLNESS COVER We will pay 50% of the cover amount, up to a maximum of 25,000, if a claim cannot be made under any other core or child specific critical illness and your child is diagnosed with a terminal illness and is not expected to live for more than 12 months. We will also pay the children s funeral cover benefit early. CHILDREN S FUNERAL COVER We will pay 10,000 on a death claim for a child. We will make a maximum of two payments under the policy. DEFINITION OF A CHILD IS... a natural child; a legally adopted child (who will be covered from the date of their adoption); or a step child by marriage or registered civil partnership (who will be covered from the date of marriage or civil partnership). WE PROTECT CHILDREN FOR THE CORE AND ADDITIONAL ILLNESSES WHO ARE: older than 30 days, and younger than 18 years, or younger than 22 years if in full time education during the period of cover. (This includes work placements, but excludes breaks from education such as a gap year). Children aged less than five years old are not covered for the core condition of loss of independence. Children are not covered for the core critical illness of Intensive care as they are covered under Children s intensive care benefit. 8 Individual Protection Adviser Guide

SUPPORT SERVICES AT CANADA LIFE, WE BELIEVE INSURANCE IS ABOUT MUCH MORE THAN JUST A FINANCIAL BENEFIT WE PROVIDE OUR CUSTOMERS WITH A COMPREHENSIVE SET OF SUPPORT SERVICES, AT NO ADDITIONAL COST CANADA LIFE APP Discounted cinema tickets Gift Cards, Shop Online and In-Store Offers bringing you savings at over 1000 retailers and restaurants! Personalised wellbeing content including articles and podcasts SUPPORT SERVICES FOR LIFE INSURANCE BEREAVEMENT COUNSELLING Provides 24/7 unlimited access to a Bereavement Counselling helpline and up to four face-to-face, or structured telephone sessions, with a qualified bereavement counsellor. PROBATE HELPLINE The Probate Helpline provides access to probate experts covering family disputes, validity of wills, power of attorney and obtaining probate. This service is available Monday to Friday 8am to 8pm.* * Service is unavailable over bank holidays TREATMENT SOURCING SERVICE Makes it easier for individuals and their immediate family to access convenient, private healthcare from over 450 hospitals at competitive prices. NOTE Personal Nurse Service and Second Medical Opinion are also available if the Life Assured or a child are diagnosed with a terminal illness. EXTRA SUPPORT SERVICES FOR LIFE INSURANCE PLUS CRITICAL ILLNESS PERSONAL NURSE SERVICE Provides long-term practical and emotional support over the phone with the same qualified nurse, for individuals who make a critical illness claim. SECOND MEDICAL OPINION SERVICE Provides a second opinion from a UK consultant on the diagnosis and treatment of a medical condition to give confidence that a diagnosis and treatment plan is suitable. The service is available for individuals who make a critical illness claim. PERSONALCARE PersonalCare is a personal assistance programme that provides professional counselling for any issue, either face-toface or by telephone. You ll also have access to support on everyday matters such as finding childcare or eldercare, legal issues and debt management. Individual Protection Adviser Guide 9

COVER AND BENEFITS AT A GLANCE OUR COMPREHENSIVE RANGE OF PROTECTION POLICIES SUITS EVERY BUDGET AND LEVEL OF COVER Product features Life Insurance Life plus Critical Illness Overview Terminal Illness benefit right to the end of the plan Adult serious accident benefit No Optional waiver of premium benefit (additional cost) Product features Life Insurance Life plus Critical Illness Limits that apply Minimum and maximum plan term Minimum age of insured person at start 3 & 40 years 3 & 40 years 18 years 18 years Maximum age at start 80 years 65 years Optional Total and permanent disability benefit (additional cost) Accidental death benefit while application is processed Unpaid premium period which triggers a policy to end. No 60 days or x 2 unpaid premiums 60 days or x 2 unpaid premiums Maximum age at end 85 years 70 years Maximum sum assured Insured person s age Maximum total sum assured Insured person s age Maximum total sum assured 18-40 1,000,000 18-40 750,000 41-45 750,000 41-45 450,000 Inflation-linked option available (not available for decreasing policies) 46-50 600,000 46-50 350,000 51-55 400,000 51-60 200,000 Increase option available Only if accepted on standard terms Only if accepted on standard terms 56-60 300,000 61-65 100,000 61-80 150,000 Waiver of premium disability period 13 weeks 13 weeks Waiver of premium end 70th birthday 70th birthday 10 Individual Protection Adviser Guide

CRITICAL ILLNESS BENEFITS AT A GLANCE Product features Cover provided Product features Life plus Critical Illness Benefits Maximum number of payments Adult death benefit Adult terminal illness benefit Adult total and permanent disability benefit (optional benefit) Adult core critical illness benefit 100% of the amount of cover 100% of the amount of cover 100% of the amount of cover 100% of the amount of cover Adult additional critical illness benefit 25% of the amount of cover (up to 25,000) Child core critical illness benefit 50% of the amount of cover (up to 25,000) Child additional illness benefit 25% of the amount of cover (up to 25,000) Child specific critical illness benefit 50% of the amount of cover (up to 25,000) Adult serious accident benefit 7,500 Children s terminal illness 5,000 Children s funeral cover 10,000 Number of critical illness conditions Core critical illness 52 Additional critical illness 44 Child specific critical illness 6 Adult serious accident benefit 2 Children s funeral cover 2 Core, additional and children s critical illness (Single life plans) Core, additional and children s critical illness (Joint life plans) Example maximum number of payments 100,000 single life plan 9 payments totalling 235,000 4 6 x 2 adult serious accident claims ( 7,500 each) x 4 additional critical illness claims ( 25,000 each) x 2 children s funeral claims ( 10,000 each) X 1 adult core critical illness, terminal illness, death or total and permanent disability claim ( 100,000) 100,000 joint life plan 11 payments totalling 285,000 x 2 adult serious accident claims ( 7,500 each) x 6 additional critical illness claims ( 25,000 each) x 2 children s funeral claims ( 10,000 each) X 1 adult core critical illness, terminal illness, death or total and permanent disability claim ( 100,000) Individual Protection Adviser Guide 11

OUR UNDERWRITING APPROACH WE VE INVESTED IN TECHNOLOGY TO MAKE OUR APPLICATION PROCESS AS STRAIGHTFORWARD AS POSSIBLE 80% OF CUSTOMERS GET AN ONLINE DECISION AND CAN OFTEN COMPLETE THEIR APPLICATION IN LESS THAN 20 MINUTES We don t ask for GP reports. Whilst we appreciate the value these can add, we can get all the answers needed by carefully worded questions and trusting the customer disclosure instead. DEDICATED UNDERWRITING TEAM Where additional information is required, we use: QUESTIONS TO THE ADVISER MEDICAL SCREENING, FOR EXAMPLE WHEN BLOOD TESTS ARE REQUIRED TELE-INTERVIEW PREMIUM REDUCTION FOR FULL CANCER EXCLUSION For clients with a family history of cancer: WE WILL REDUCE THE COST OF A LIFE INSURANCE PLUS CRITICAL ILLNESS POLICY BY UP TO 20% WHEN WE APPLY A FULL CANCER EXCLUSION. We will identify the reduction in our underwriting process and let you know what the lower premium will be. If your client takes up the offer we will reduce our price for them. We can not apply this to policies where we have already applied a full exclusion. 75% OF THOSE WE MANUALLY UNDERWRITE ARE OFFERED TERMS. As we don t ask for a doctor s report, there are unfortunately some pre-existing conditions like cancer, heart attack or stroke, where we are unable to offer terms. However, weighed up against the time taken to get a doctor s report especially when customers are looking for a buy now price WE BELIEVE OUR APPROACH IS PUTTING THE CUSTOMER FIRST. 12 Individual Protection Adviser Guide

MAXIMUM COVER AND UNDERWRITING LIMITS THE TABLES BELOW SHOW THE MAXIMUM SUM ASSURED IN YOUR CLIENT S AGE CATEGORY. LIFE INSURANCE Age Maximum amount of cover 18-30 1,000,000 800,001 31-35 1,000,000 750,001 36-40 1,000,000 700,001 41-45 750,000 500,001 46-50 600,000 400,001 51-55 400,000 300,001 56-60 300,000 200,001 61-65 150,000 100,001 Nurse Screening Examination required from LIFE INSURANCE PLUS CRITICAL ILLNESS Age Maximum amount of cover 18-30 750,000 450,001 31-35 750,000 400,001 36-40 750,000 400,001 41-45 450,000 350,001 46-50 350,000 250,001 51-55 200,000 150,001 56-60 200,000 150,001 61-65 100,000 75,001 Nurse Screening Examination required from 66-70 150,000 50,001 71-75 150,000 50,001 76-80 150,000 50,001 NOTE A Nurse screening examination includes a cotinine (nicotine) test for non-smokers. Individual Protection Adviser Guide 13

TARGET MARKET SUMMARY OUR PRODUCTS ARE SUITABLE FOR A WIDE RANGE OF PEOPLE WITH PROTECTION NEEDS These include PAYING OFF A MORTGAGE OR LOAN IN THE EVENT OF DEATH TO PROVIDE FINANCIAL SUPPORT TO THEMSELVES OR THEIR FAMILY IF THEY SUFFER A SERIOUS ILLNESS. For further detail, please see our Target Market Guide available on our website www.canadalife.co.uk/adviser/ individual-protection/adviserresources LIFE INSURANCE ONLY Policyholder characteristic Target market Age Ages 25-55 (suitable from age 18 to 80). Protection requirement Residency Have a spouse, registered civil partner, partner or dependant(s). UK residents only. Length of policy 3 years up to a maximum of 40 years or to age 85. Health Payment requirement Reasonably good health. Payment on death or diagnosis of a terminal illness. LIFE INSURANCE IS NOT SUITABLE FOR Policyholder characteristic Age Anyone under 18 or over age 80. Residency Level of cover Health Protection requirement Life of another People resident outside the UK. People wanting cover over our maximum of 1,000,000. Lower limits apply at higher ages. People with serious ill-health or progressive conditions (as we do not obtain GP Reports at the point of sale). People who want an unlimited term (a Whole of Life policy) or a product to pay out if they are unable to work for a period of time (an income protection policy). People wanting to take out cover on the life of another person (as our front end system cannot accommodate this). LIFE INSURANCE PLUS CRITICAL ILLNESS Policyholder characteristic Target market Age Ages 25-55 (suitable from age 18 to 65). Protection requirement Residency Have a spouse, registered civil partner, partner or dependant(s) or do not have any dependants, but wish to protect themselves if they become critically ill. UK residents only. Length of policy 3 years up to a maximum of 40 years or to age 70. Health Payment requirement Reasonably good health. Policyholder characteristic Payment on death, diagnosis of a terminal illness or on diagnosis of a critical illness. Payment on death or diagnosis of a critical illness for a child of the insured person. LIFE PLUS CRITICAL ILLNESS IS NOT SUITABLE FOR Age Anyone under 18 or over age 65. Residency Level of cover Health Protection requirement Life of another People resident outside the UK. People wanting cover over our maximum of 750,000. Lower limits apply at higher ages. People with serious ill-health or progressive conditions (as we do not obtain GP reports at the point of sale). People who want an unlimited term (a Whole of Life policy) product or a product to pay out if they are unable to work for a period of time (an income protection policy). People wanting to take out cover on the life of another person (as our front end system cannot accommodate this). 14 Individual Protection Adviser Guide

SUMMARY WE WANT TO BE EASY TO DO BUSINESS WITH, SO YOU SPEND MORE TIME WITH YOUR CUSTOMERS AND LESS TIME ON ADMINISTRATION: SPEED OF DECISION A standard terms case could be underwritten and activated in under 20 minutes. under 20 minutes PRE-SALE UNDERWRITING Our system allows you to pre-sale client disclosures, allowing an accurate price to be given to the client ahead of application. 4 IN 5 CUSTOMERS GET AN ONLINE DECISION Our interactive application allows as many people as possible to get immediate underwriting decisions. 80% online decisions REAL TIME UPDATES During the application process our system keeps you and your client informed of the likely price and outcome. A WIDE RANGE OF SUPPORT SERVICES Our Support Services give policyholders somewhere to turn to when they need a little help. Some of them are free to use from day one. COMPARISON SERVICE PARTNERS You can currently obtain quotes through five comparison services: The Protection Platform (UnderwriteMe) True Potential IRESS ipipeline Webline Individual Protection Adviser Guide 15

Insure. Secure. Protect. More information is available on our website: www.canadalife.co.uk/individual-protection Canada Life Limited, registered in England no. 973271. Registered Office: Canada Life Place, Potters Bar, Hertfordshire EN6 5BA. CLFIS (UK) Limited, registered in England no. 04356028 is an associate company of Canada Life Limited. Registered Office: Canada Life Place, Potters Bar, Hertfordshire EN6 5BA. Canada Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority ID6442-319R