Guidance notes for starting or adding to your Old Mutual International

Powered by Wealth Interactive Guidance notes for starting or adding to your Old Mutual International Executive Bond For the corporate investor This document was last updated in December 2017. Please confirm with your financial adviser that this is the most up-to-date document for your servicing needs. General information This product is not available in certain jurisdictions, such as the United States of America, its territories and possessions. The Company s financial adviser will be able to tell the Company if the country which the Company is incorporated in falls under one of these jurisdictions. JERSEY APPLICANTS PLEASE NOTE: If cancellation rights apply under Jersey legislation, and are exercised during the cancellation period, any premium amounts paid will be refunded to the original source as stated in section D of the application form. The refund will be made less any deduction in respect of movements in investment prices and exchange rate fluctuations (where applicable) following receipt of the completed Cancellation Notice by Old Mutual International at its head office. a Type of application LIFE ASSURANCE A life assurance bond has one or more lives assured, which means the bond will come to an end when the person(s) who is assured dies. There is a choice of having one, two or more lives assured. Where there is more than one life assured, the bond will end when the last person whose life is assured dies. CAPITAL REDEMPTION A capital redemption bond does not have lives assured, therefore it will not come to an end on the death of a relevant life assured. Instead it has a term of 99 years. It will continue to the end of the term (the maturity date), unless it is fully cashed in before the 99 years come to an end. Each policy still in force at the maturity date has a guaranteed value of twice the premium amount the Company have paid (less any money paid out of the bond as defined in the Policy Terms and Conditions) or the encashment value on the maturity date, which will be paid to the Company s beneficiaries. POLICY CURRENCY The Company s regular Executive Investment Bond or Executive Redemption Bond valuations will be summarised in the Company s chosen bond currency. This is also the currency in which the deduction of most bond charges will be made. However, any charges shown as a fixed amount in pound sterling in the Company s charges schedule (issued together with the policy schedule(s) and Policy Terms and Conditions) will, if the Company s bond currency is not the pound sterling, be converted and deducted in the selected bond currency as stated below in currency conversions. CURRENCY CONVERSIONS If the Company choose a bond currency other than that in which the investment is made, ie the premium amount the Company pay to us, then we will credit the premium to a transaction account in the currency in which the Company have paid the premium. The Company should be aware that we will notionally convert the premium amount into the chosen bond currency. This means we will not physically convert the premium amount; just apply the converted amount to the Company s bond. This currency conversion could expose the Company to exchange rate fluctuations. Any conversion that we make will be based on the closing market mid-rate * provided to us by a third-party currency rate provider and the converted premium amount will be the amount which is shown in the Company s policy schedules. If additional currency conversions are required as a result of transactions within the Company s bond (for example, when the Company buy assets in a currency other than the chosen bond currency or when we deduct bond charges shown as a fixed amount in pound sterling as described above in policy currency), the Company should be aware that delays may occur. Please refer to the Policy Terms and Conditions for further details on this and for any charges which may apply. AN AUTHORISED CUSTODIAN They will hold the assets on Old Mutual International s behalf. You may already have a custodial arrangement which you are happy with and you can continue your existing arrangement within the Executive Investment Bond or Executive Redemption Bond. Alternatively you can choose a custodian now. Your choice of custodian, whether it is your existing arrangement or a new one, will always be subject to our approval. Through this facility you or your fund adviser, if applicable, can issue investment instructions directly to the authorised custodian who will implement them. Your fund adviser could be associated with your authorised custodian for ease of administration. * All currencies have a market rate. Any provider dealing with currencies will independently set different buy and sell rates, these include overheads and profit margins.the market mid-rate is derived from the mid-point between the buy and sell rates used in the global markets. 1 of 7

B Details of the corporate applicant The applicant is the company which will own the bond. PREVIOUS NAME OR ANY OTHER NAMES Please state any previous name(s) or any other names that the Company is known by in the box provided. This section must be completed for regulatory purposes. If this does not apply, please leave this field blank. CORRESPONDENCE ADDRESS If it is not practical to send correspondence to the company s registered address (for example, if there is no recognised postal service in its country of incorporation), then you can provide an alternative correspondence address to the company s registered address. We will not accept a PO Box address. We can only accept one correspondence address for the bond. Please note, Old Mutual International accepts no responsibility for the consequences of sending documentation to this correspondence address, or to an address notified subsequently. Old Mutual International reserves the right to send correspondence to the registered office where regulations prevent it being sent to any other address. POLITICALLY EXPOSED PERSON A politically exposed person is someone holding an important public position, or a person clearly related to them. Examples of these are: Heads of State or Government Judicial or military officials Senior politicians Senior executives of publicly owned corporations Senior Government officials Important political officials. C Details of the life/lives assured In this section the Company should give the details of the life/lives assured, if you have selected the Executive Investment Bond (ie the life assurance option) in section A. The maximum age for a life assured is 89, there is no minimum age for a life assured. We have a flexible approach to allow multiple lives assured (ie more than four) when applying for a Executive Investment Bond. If the Company would like to add any further lives assured please copy and complete section C and, when initialled by the company directors/authorised signatories, attach it with the application form before forwarding it to Old Mutual International. D Source of funding The details from where you are paying the premium must in all instances be included in Section D of the application. If you are making payments from multiple sources then you should provide the details required in Section D for each separate source by photocopying page 5 and attaching to the application form. Where making multiple payments, please provide an explanation for this. E Investment details PREMIUM PAYMENT The Company can pay the premium either by electronic bank transfer or asset transfer. BANKING DETAILS Sterling payments From UK banks (CHAPS* payments) Sort code: 55-91-00 Bank: Isle of Man Bank, East Region, 2 Athol Street, Douglas, Isle of Man Beneficiary: Old Mutual International Isle of Man Limited IBAN***: GB94NWBK55910010939946 From non-uk banks (SWIFT** payments) SWIFT code: RBOSIMD2XXX Sort code: 55-91-00 Bank: Isle of Man Bank, East Region, 2 Athol Street, Douglas, Isle of Man Beneficiary: Old Mutual International Isle of Man Limited IBAN: GB94NWBK55910010939946 Other currency payments (SWIFT payments) Payments should be made to Old Mutual International Isle of Man Limited s accounts held with National Westminster Bank, London. SWIFT code: NWBKGB2LXXX Bank: National Westminster Bank, London IBAN: (select as applicable, see below) 1. US dollar IBAN GB05NWBK60730167544800 7. New Zealand dollar IBAN GB26NWBK60730167576141 2. Euro IBAN GB63NWBK60720267545858 8. Norwegian krone IBAN GB23NWBK60730167568823 3. Australian dollar IBAN GB18NWBK60730167535836 9. Singapore dollar IBAN GB53NWBK60730167598838 4. Canadian dollar IBAN GB80NWBK60730167521916 10. Swedish krona IBAN GB69NWBK60730167554997 5. Danish krone IBAN GB22NWBK60730167545270 11. Swiss franc IBAN GB14NWBK60730167541534 6. Japanese yen IBAN GB40NWBK60730167538835 * CHAPS is an electronic bank-to-bank same day value payment made in the UK in pound sterling ( ). ** SWIFT is an acronym for Society for Worldwide Interbank Financial Telecommunications. *** IBAN stands for international bank account number and is always used in conjunction with a bank identifier code (BIC). IMPORTANT: Please make sure that the company s name and/or bond number (if reserved) is/are quoted in the payment field, referred to by the bank as SWIFT field 70, on the electronic bank transfer form to ensure that correct details are sent to Old Mutual International. Please note that when sending payments electronically spaces should be excluded from the IBAN numbers. All bank charges, such as telegraphic transfer charges, are the responsibility of the applicant, not Old Mutual International. 2 of 7

F asset choice HOW TO COMPLETE THE ASSET CHOICE SECTION security identifier* if known, please provide a recognised security identifier for all security/fund purchase requests, such as a SEDOL or an ISIN number. The Company s financial adviser can provide the relevant security identifier. security/fund name please make sure the Company clearly state the full name of the security/fund and please do not use abbreviations. If the Company has chosen an Old Mutual International fund, please prefix the fund name with OMI IM, and also refer to the note about the base currency of the security/fund below. Accumulation/Income unit requirement if applicable, please state accumulation or income unit. The difference between accumulation units and income units is that unit trusts with accumulation units reinvest any income from the trust s investments in the trust rather than paying it out to its investors as dividends which is the case for income units. If the Company gives no instructions, and a choice of accumulation or income units is offered, we will invest in accumulation units. Where the Company has chosen income units any dividends will be reinvested into the bond. The Company s financial adviser will be able to tell you more about this. Share class if applicable please include confirmation of the required share class, for example A, B or C. Base currency of security/fund if known, please provide confirmation of the base currency of the requested security/fund. This can be abbreviated, for example GBP for pound sterling ( ) or USD for US dollar. The Old Mutual International Executive Investment Bond and Executive Redemption Bond must invest directly into the base currency of funds. Investment % please use whole percentages only, which must add up to 100% in the total box. Minimum investments the minimum investment the Company can hold in any one asset is 2,500 (US$3,750, 3,750 or other currency equivalent). Please note that fund managers may set their own minimum investment levels that could be higher and the Company should be aware of these before submitting instructions. Transaction account it is the Company s responsibility to make sure money is readily available to meet charges or part surrenders/regular withdrawals. The Company can achieve this by holding cash in the chosen bond currency. If there are insufficient cash holdings in the bond, we will sell the Company s investments in line with the Policy Terms and Conditions. If the information requested in a column does not apply then either leave it blank or state n/a for not applicable. If the Company has not provided us with complete investment instructions, or if one or more of the selected fund(s) is not currently available, we will, in accordance with the Policy Terms and Conditions, hold any part of the Company s chosen percentage in the transaction account. Please note that money held in the transaction account does not earn interest. The transaction account is used to hold all money for the purchases of and proceeds from the sale of and any distributions from investment holdings. Charges applicable to the bond which are shown in the charges schedule and some third-party agent fees are also taken from the transaction account. A delay in investing the Company s premium may occur if the instructions are illegible, unclear or relate to an asset which is not normally permitted. Please note that we are unable to backdate transactions resulting from the delay caused in clarifying your instructions. *Providing this information will remove the potential need to seek clarification and enable us to act upon the Company s instruction more efficiently. IMPORTANT GUIDANCE NOTES ABOUT YOUR INVESTMENT CHOICE We do not provide investment advice and have no responsibility for the performance of your selection of investments. It is for the Company and its financial adviser, or fund adviser (if applicable), to choose the investments most suitable for the Company. All investments required, must be recognised by us or specifically agreed by us as eligible to be purchased as a permitted investment under the bond. Any assets purchased in respect of the bond will be purchased at the open-market buying price as shown on the contract note used by the seller or stockbroker. Any third-party charges relating to the purchasing of assets, such as bank charges, will be debited to the Company s bond. All assets are held in the name of Old Mutual International and all dealing and contract notes must be made and delivered in the name of Old Mutual International. If the Company has chosen our authorised custodian facility please see the beginning of this section. It is the Company s responsibility to make sure money is readily available to meet charges or part surrenders/regular withdrawals. This can be achieved by holding cash in the chosen bond currency. FUTURE INVESTMENT INSTRUCTIONS The Company or Company fund adviser, if applicable, should provide any future investment instructions on the dealing instruction form and fax it to +44 (0)1624 655905. The form is available from the Company s financial adviser. If you have chosen our authorised custodian facility you need to send these instructions directly to your authorised custodian. INVESTMENT RESTRICTIONS For full details of investment restrictions, please refer to the Policy Terms and Conditions. The list below shows examples of the types of investment we might accept/refuse. Permitted investments Collective investment funds and unit trusts Various currency deposits External assets quoted on a recognised stock exchange Non-permitted investments Commodities Options/Derivatives Unlisted shares Base shares or bonds If you have any questions or need any clarification of these notes, terms and restrictions, then please contact our Dealing Admin Team on +44 (0)1624 655 005 or e-mail us at omifminvdealing@ominternational.com, or alternatively contact your financial adviser. 3 of 7

G Origin of wealth As part of global efforts to prevent money laundering, all Isle of Man based companies have to collect additional information on origin of wealth for all investments. This should not be viewed as questioning the quality of your investment. It is a safeguard that will benefit the industry as a whole and ultimately protect you as an investor. The first step is to complete all the relevant information in section G of the application form. In some circumstances we will require documentary evidence before we can process your application form. Your financial adviser can establish if documentary evidence is needed by contacting us before sending in your application form to us. It is in the interest of all parties that you and your financial adviser make sure as early as possible what we need in order to avoid delays in starting your investment. We also recommend that you do not send us your premium payment until you have supplied us with all the information we require. The reason for this is that if we for any reason are unable to accept your application then we will return your payment to the source stated in your application form. The list below reflects what documentary evidence is required for each origin of wealth; please state what evidence you are enclosing in your application form. In certain circumstances, when an application form falls into a high-risk group for money laundering purposes, we may require further documentary evidence. Description of source of wealth Savings/investment Sale of shares Maturing investments/policy claim/ Replacement policy Sale of property Other unearned income Sale of interest in company Inheritance Loan Gift Compensation Competition or gambling win Other Documentary evidence required investment certificates, contract notes or statements confirmation from the relevant investment company bank statements showing receipt of payment by investment company name signed letter detailing payments from a regulated accountant or solicitor Copy of a bank statement covering a 3 month period which shows total savings from accumulated wealth. If the statement does not evidence the accumulation, please also supply one of the listed documents above. E.g. If savings is from income, please supply one of the required documents from the income section. legal sale document copy of contract notes letter from previous product provider regarding notification of proceeds of claim closing statement from previous product provider One of the following or equivalent: signed letter from solicitor/lawyer or regulated accountant; or signed letter from estate agent (if applicable); or copy of sale contract All of the following: appropriate supporting documentation signed letter detailing income from a regulated accountant signed letter from solicitor/lawyer signed letter from regulated accountant copy of contract of sale and sight of investment monies on bank statement copies of media coverage (if applicable) as supporting evidence grant of probate (with a copy of the Will) which must include the value of the estate the Will signed letter from solicitor/lawyer confirmation letter from loan provider recent loan statement All of the following: identification on the grantor (even if it is not coming from their account) letter from grantor explaining the gift and source of their wealth documentary evidence as to the grantor s source of wealth as detailed in this table letter/court order from compensating body signed letter from solicitor/lawyer letter from relevant organisation (lottery headquarters, betting shop, casino) bank statement showing funds deposited by company name copies of media coverage (if applicable) as supporting evidence Refer to Old Mutual International 4 of 7

H Regular withdrawals (optional) Old Mutual International does not offer legal, tax or financial advice and cannot accept responsibility for any action taken or avoided on the basis of information provided by us. Any information provided is based on our understanding of the current law and practice and is subject to change in the future. GENERAL CONDITIONS FOR SETTING UP REGULAR WITHDRAWALS The minimum payment for any withdrawal, regardless of frequency, is 500 (US$750, 750 (or other currency equivalent). If this is an application for a new bond and the Company ask for a percentage of premiums to be withdrawn, this will be based on the initial premium. If this is an application for an additional premium into the Company s bond, and the Company would like to either set up or amend existing regular withdrawals, then the Company can base the regular withdrawals either on the total premium invested in the bond or the initial premium. Please state the Company s choice in section H of the application form. Where the value of the units allocated to the bond at the date of the payment falls below the higher of 5% of the total premiums paid (after deduction of any applicable charges) or an encashment value of 10,000 (or other currency equivalent), we may stop the Company s regular withdrawals. In line with the Policy Terms and Conditions, to make sure the bond remains economically viable, we also reserve the right to automatically surrender the Company s bond if it falls below these values. We will contact the Company if the encashment value in the Company s bond falls below 10,000 to give the Company the option to pay an additional premium, which is subject to our acceptance. It is the Company s responsibility to make sure money is readily available to meet the Company s regular withdrawals. The Company can achieve this by holding cash in the chosen bond currency. We will process regular withdrawals by cashing in part of all policies within the bond, in equal amounts, to generate the Company s regular withdrawals. Any dealings where we need to sell assets to meet the Company s regular withdrawals may be subject to a dealing charge of currently 15 per transaction (US$22.50, 22.50 or other currency equivalent). The dealing charge applies to most charging structures and the Company can find details about it, if it applies, in the charges schedule which will be sent to the Company together with the policy schedules after the bond has started (if this is a new bond). The selling of external assets may also include third-party charges, such as bank charges, which will be included in the net amount going into the bond following the transaction. These third-party charges will be the responsibility of the Company, not Old Mutual International. We will normally sell the asset five working days before the Regular Withdrawal Due Date (unless you have chosen the Transaction Account as your asset to pay the withdrawals from). Please refer to your Policy Terms for further information. Please note if there is insufficient credit in the Transaction Account on the due date or the Nominated Asset(s) cannot be sold, the Regular Withdrawals will not be paid. TAKING REGULAR WITHDRAWALS FROM SPECIFIC ASSETS WITHIN THE COMPANY S BOND (Nominated Asset) The Company can ask us to pay the regular withdrawals from specific assets held in the Company s bond. The Company needs to clearly indicate the percentage of each security/fund you would like us to sell in order to achieve the Company s specified regular withdrawals in section H of the application form. Please note that each transaction may be subject to a dealing charge and sometimes also third-party charges; see the final bullet point in general conditions above. The relevant regular withdrawal payment date is the appropriate date for determining the price of the underlying units in the assets you hold and for giving instructions to sell assets specified by you. The appropriate date may be deferred in circumstances described within the Policy Terms and Conditions. If the value of the asset(s) you have specified fall to zero, your withdrawals will stop. Please refer to your Policy Terms for further information. If you change your investment choice at a future date, and this affects the asset(s) you have specified, you must notify us of alternative assets to pay your regular withdrawals from if you want to continue paying them from specific assets held in your account. Please note that each transaction may be subject to a dealing charge and sometimes also third-party charges; see the final bullet point in the general conditions above. If you do not provide us with alternative instructions we will stop the payments. Please refer to your Policy Terms for further information. Where you chose to appoint an authorised custodian, you may (subject to our agreement) request that Regular Withdrawals are paid by the authorised custodian on our behalf. In this circumstance, you or your Fund Adviser must ensure you provide investment instructions to the authorised custodian in time to make the Regular Withdrawal on the due date, otherwise the authorised custodian will not pay the Regular Withdrawal. WHAT ABOUT TAX? We strongly suggest contacting the Company s financial adviser before making a decision to take regular withdrawals, in order to make sure that this is the most suitable withdrawal option for the Company and also to find out if this will have any tax consequences in the company s country of incorporation. PAYMENTS Payments will only be made to a bank account in the corporate policyholder s name; we will not accept requests to make payments to third parties other than those specified in the exceptional circumstances below. In exceptional circumstances payments can be made to UK Financial Conduct Authority (FCA) recognised financial institutions, financial advisers/ solicitors/ accountants, who have the appropriate authorisation to handle client money. Please discuss such requests with Old Mutual International before submitting the application form. 5 of 7

H Regular withdrawals (optional) (continued) Payments will be made in the bond currency (shown on the Company s policy schedule), unless we are advised otherwise. Please note that a currency dealing charge may apply if the Company ask for payments to be made in a currency other than the bond currency if this is stated in the charges schedule which will be sent to the Company together with its policy schedules after the bond has started (if this is a new bond). However, at the moment we do not apply the currency dealing charge. The Company s regular withdrawals will start on the next available date, and at the frequency the Company have requested, after the bond has started. Therefore, if the Company have asked for regular withdrawals on a monthly basis starting on 1 January and we received the Company s application form and investment in December, but we were unable to start the bond until middle of January, then the Company s first regular withdrawal will not be paid until 1 February. Payments will be sent to the Company s bank account by BACS (bank automated clearing system) if the Company have asked for them to be made in pound sterling ( ) to a UK bank and by telegraphic transfer in all other circumstances. Please note that Old Mutual International will pass on any bank charges incurred for sending the payment by telegraphic transfer. These charges will be deducted from the transaction account in the currency in which the payment is being withdrawn. In addition there may be third-party bank charges for the telegraphic transfer and these will be deducted from the payment by the third party. The Company should therefore be aware that the Company may get less than requested. We will not pay regular withdrawals by cheque. Bank account details: Payments within the UK require a bank account number and sort code. All payments to banks within Europe now require a bank identifier code (BIC) and an international bank account number (IBAN). Payments outside Europe require a bank account number and a SWIFT code. Please make sure the Company complete these details in section H as your payment may otherwise be delayed. I Number of policies NUMBER OF BOND POLICIES We will automatically issue 12 policies if the number of policies has been left blank in the application form. If you would like a different number of policies to enhance the future flexibility of your bond, which you may have discussed with your financial adviser, then you need to take the following into account: The minimum investment amount for each individual policy is 500 (US$750, 750 or other currency equivalent). The investment amount for each policy will not necessarily be the same, this will depend on the amount of your investment. However, where possible your investment will be spread equally across the number of policies you choose. If it is not possible to allocate the same amount across each policy, then the last policy will have a different amount. For example, if you invest 50,000 then you will receive 11 policies of 4,166.66 and one of 4,166.74. If you choose a number of policies which results in less than 500 (US$750, 750 or other currency equivalent) per policy, we will automatically reduce the number of policies to a level where a minimum of 500 (US$750, 750 or other currency equivalent) per policy is achieved. The maximum number of policies we will allow without referral is 9,999. You CANNOT change the number of policies once the bond has been established. J Fund adviser You can appoint a fund adviser to manage your investment within the bond. It is your responsibility to ensure that this person is carrying out investment instructions in accordance with your investment agreement. We will accept all instructions from this person in good faith until you tell us otherwise. Where you have appointed a Fund Adviser, you also need to complete and return an appointing a fund adviser to your Old Mutual International portfolio bond form. Where the Fund Adviser is not linked to the authorised custodian, a letter of authority also needs to be completed. Both of these documents are available from your financial adviser. K Old Mutual International charges CHARGING STRUCTURE Corporate investors incorporated outside the UK please ask the Company s financial adviser for a copy of the charging structure details recommended to the Company. The charging structure for your bond is based upon the reference code provided on your application; this will dictate the level, term and type of charges that apply and these will be confirmed to you in the Company s policy documents. These charges will include our administration costs together with those incurred in making any initial commission payment to the Company s financial adviser. If you have agreed to pay the financial adviser an ongoing commission payment (referred to as fund based commission) then this will be reflected in the deduction of an additional Ongoing Service Charge equivalent to the amount paid. L Declaration and application Once the declaration has been agreed, the relevant signatories need to sign the appropriate spaces with dates, and ensure the selected options are ticked. 6 of 7

M Verification of customer identity ADDITIONAL DOCUMENTS TO EVIDENCE THE IDENTITY AND RESIDENCE OF THE INDIVIDUALS WHOSE IDENTITY NEEDS VERIFYING In line with our anti-money laundering, and terrorist financing requirements we need the following documents to support the company s application relating to two of the company s directors, one of whom must be an executive director, and authorised signatories (if different): Proof of identity copy of their passport or national identity card. If these documents are not available please provide two formal documents carrying appropriate personal details and verifiable reference numbers (for example, bank statement, pension book or council tax bill). Proof of residence copy of a utility bill or bank statement. This should be the latest available, but no more than three months old. All documentary evidence, where the original document is not provided, must be certified by a suitable certifier (see section N of these guidance notes) as a true copy of the original, copies of a copy will not be accepted. Please note we are not able to return the documentary evidence to the individuals whose identity is being verified. In some circumstances we may need further documentation to support the application, for example in relation to the company s origin of wealth. Your financial adviser will be able to provide details on any additional needs by carrying out a short risk assessment with you. We would encourage you to do this as without this further documentation, if applicable, the processing of your application may be delayed. N Financial adviser/suitable certifier declaration CERTIFYING DOCUMENTS Unless the documents provided are originals, they will all need to be certified by a suitable certifier. A suitable certifier can be any of the following: a regulated introducer, or authorised employee of a regulated introducer, that is based and regulated in a Code Schedule country as defined in the Isle of Man Money Laundering and Terrorist Financing Code 2013 (see www.iomfsa.im); or a person appointed in writing by Old Mutual International (suitable certifier); or a solicitor, lawyer or advocate; or notary public; or an authorised representative of an embassy or consulate of the country that issued the identification document. When certifying a document, the suitable certifier must include the following wording: I hereby certify that this document is a true copy of the original. The suitable certifier must also sign and print their name, state their company name, their position within the company and the date. UK lasting powers of attorney and UK enduring powers of attorney can be certified by the settlor, a solicitor or a notary only. www.oldmutualinternational.com Calls may be monitored and recorded for training purposes and to avoid misunderstandings. Old Mutual International Isle of Man Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0)1624 655 555 Fax: +44 (0)1624 611 715. Licensed by the Isle of Man Financial Services Authority. Old Mutual International Isle of Man Limited is a member of the Association of International Life Offices. Old Mutual International is registered in the Isle of Man as a business name of Old Mutual International Isle of Man Limited. When printed by Old Mutual this item is produced on a mixed grade material, which uses a combination of recycled wood or paper fibre from controlled sources and virgin fibre sourced from well-managed, sustainable forests. PDF9300/INT17-1200/December 2017 7 of 7