OUR NOBLE PURPOSE “To always strive to improve the financial wellbeing of our clients. To build a great firm and help our people grow” INTRODUCTION

Invesco Limited was established in 1991 and are authorised by the Central Bank and are an approved Registered Administrator with the Pension Authority in Ireland. We are also an Authorised Adviser as registered with the Financial Regulator. Invesco is one of the largest firms of pensions, employee benefits, actuarial consultants, and administrators in the Irish market.

In August 2019, Acumen & Trust DAC announced that Irish Life Group Limited would acquire Acumen & Trust DAC through its intermediary subsidiary, Invesco Limited.

Irish Life is owned by Canadian company Great-West Lifeco, a global leader in financial services with over CAD$1.4 trillion in assets under administration.

The combined entities have offices in Dublin and Cork and employ 225 experienced professionals. The integration of Acumen & Trust DAC with Invesco Ltd. was completed by 1st October 2021 and the combined business will operate under the Invesco Ltd. Brand. All references in this document to Invesco will mean the combined entities of Invesco Ltd. and Acumen & Trust DAC.

Invesco have been to the forefront of responding to the many challenges within pension provision in recent years, such as the volatility in investment markets and regulatory and taxation changes.

Post the Irish Life Group investment, Invesco continues to operate as an independent pensions’ consultant and administrator. The Invesco board, including former Acumen & Trust DAC Directors, and senior leadership teams will continue to run the combined business.

Invesco Ltd is wholly owned by 1939 ILIV Consulting Limited who in turn is owned by Invesco Financial Holdings Limited and Irish Life Group Limited (Irish Life Group Ltd is the parent of Irish Life Assurance PLC).

Why work with us

WHY CHOOSE INVESCO FOR YOUR EMPLOYEE BENEFITS?

• Experience in design, implementation & management of appropriate and cost effective Employee Benefit solutions.
• We provide insurance solutions for Life, Long Term Disability, Private Medical, Dental & Vision Benefits
• Integrated Financial Well-being Solutions tailored to our clients needs
• Dedicated service from our highly qualified team, which includes Qualified Financial Advisors & Health Insurance Advisors.
• Investment Specialists with a dedicated Research Team.
• Professional Trustees services available.
• We are the leading experts with regard to Retirement Planning Solutions
• We pride ourselves on making the complex simple and giving value for money.
• Independent advisors and we are not tied to any banks, insurance companies or financial institutions

KEY DIFFERENTIATORS

Some of the ways in which Invesco Limited differentiate us from our peers, over and above providing a standardised service, include

A Personalised Service - We understand that the requirements of each client are different due to ownership structures, physical location and financial experience of members or historical complications within their pension or benefit arrangements. Thus, our preference is always to personalise our service to each client to organise meetings, communication and processes to fit their requirements. Our integrated financial planning solution, allowing employees access to expert Financial Advisors is a key differentiator

A Responsive Service - We understand that the provision of benefit scheme information does not always coincide with the employer and member requirement for information. We pride our team’s approachability and responsiveness to queries as they arise at any time, whether by phone or email.

Risk & Healthcare Benefit Management - Life & Long Term Disability (Risk Benefits) and Private Medical Insurance are the most valued benefits for most employees, particularly in their early careers. Our team is very experienced (8 Qualified Advisors) in reviewing the market for best rates, policy conditions and covers and recommending transferring from one insurer to another if the costs or terms are attractive and add value for our clients.

Investments & Online Tools - Invesco Limited have an in house Investment research team, as well as access to a wealth of experience which provides us with the tools and knowledge to assist members in their pension investment choices.

Our online tools are available to all scheme members.

· Risk Profiler - a member can answer 8 questions which will determine their attitude to investment risk. We can then help them to review their investment strategy to ensure it matches their risk appetite

· Benefit Calculator – a member can calculate their likely benefit and to work out what additional AVC is required if they wish to increase their pension benefit or to retire early

· Cost Calculator – a member can understand the true net cost and value of making pension or AVC contributions

Member Engagement - We know that each employee will have different levels of knowledge and interest. Each employee will have different objectives and abilities to save for retirement, which will change through time. Employee communication is paramount and helps to ensure that these questions are addressed and thus assisting the employees Financial Wellness.

While there is an evolution for the provision of information with the use of technology, we find that face to face presentations and individual meetings can be most effective, especially for older employees.

ISO 27001

As part of Invesco’s overall commitment to information security and GDPR, we have implemented the requirements set out in the internationally recognised information security standard ISO 27001. This important information security standard ensures that Invesco will provide appropriate levels of assurance to Employers and Trustees to maintain the confidentiality, integrity, and availability of confidential and sensitive information including member scheme data. Invesco achieved certification of the ISO 27001 standard in January 2018.

Below is a summary of the areas covered within the ISO 27001 standard:

• Physical & Environmental Security
• Operations Security
• Human Resources Security
• Communications Security
• Asset Management Assessment
• Systems Acquisitions
• Development & Maintenance
• Access Control Supplier Relationships
• Cryptography Information
• Security Incident Management & Business Continuity

Invesco is the first Registered Administrator for pensions in Ireland to obtain ISO 27001 certification.