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Ancoria OnLine

Ancoria Life Policy

Charges

Annual fees

Life Policy	€60
Life Policy with Advice	€60 + 0.50%

Management fees

Fund management	0 - 1.5% (see partifular Fund conditions)

Fund transfer fees

Online	Free
Manual	€25

Surrender fees

Online	€20
Manual	€35
Express	1% (Min. €50, Max €250)
Standing order (one-off)	€25

Other fees

Transaction confirmation by mail	€3
Password replacement for Ancoria OnLine by mail	€10
Password replacement for Ancoria OnLine electronically	Free
Annual statement/Statement/Transaction report by mail	€10
Annual Statement/Statement/Transaction report via Ancoria OnLine	Free
Transaction report older than year 2006	€50
Change of Policyholder	€50
Annual administration fee for online equity trading (does not include brokerage fees)	1% (Min. €200)
Notice for unsettled fees	€10
Forced sale of Funds	€40
Policy cancellation	€60

Sub-custody account fees

Set-up	€5,000
Annual administration fee payable quarterly as a percentage of assets in sub-custody account (does not include custodian fees)	0.50% (Max. €20,000)