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GROWING PENSIONS 2011                                                                                        
(SIPP & INDIVIDUAL PENSION)                                                                                        
                                                                                         
   
  AEGON ALLIANCE TRUST SAVINGS ASCENTRIC AVIVA AVIVA WRAP AXA WEALTH AXA ELEVATE COFUNDS PENSION ACCOUNT (PROVIDED BY SUFFOLK LIFE) COFUNDS (LEGAL & GENERAL PORTFOLIO PLUS SIPP)  COFUNDS (SIPPCENTRE SIPP)  COFUNDS (SUFFOLK LIFE MASTER SIPP)   COFUNDS (LEGAL & GENERAL PORTFOLIO PLUS PENSION) FRIENDS LIFE LEGAL & GENERAL LV=3D PRUDENTIAL SCOTTISH LIFE SCOTTISH WIDOWS STANDARD LIFE STANDARD LIFE WRAP TRUE POTENTIAL WEALTHTIME
                                             
                                             
OVERALL RATING (SIPP) ee+ ee- ee+ ee+ ee+ ee+ eee ee+ ee+ ee+ ee+ NA NA ee- ee- ee ee- ee+ eee eee eee eee
OVERALL RATING (INDIVIDUAL PE= NSION) ee+ NA NA eee NA ee ee+ NA NA NA NA ee+ eee e+ e+ ee+ ee- ee+ eee eee eee NA
                                             
ONLIN= E SERVICE AVAILABILITY                                            
OPENING TIMES (SIPP) κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκ κκκκ κκκ κκκ κκκ κκκκ κκκκ
OPENING TIMES (INDIVIDUAL PENSION) κκκκ NA NA κκκκ NA κκκκ κκκκ NA NA NA NA κκκκ κκκκ κκκ κκκ κκκ κκκκ κκκ κκκκ κκκκ κκκκ NA
DOWNTIMES (SIPP & INDIVID= UAL PENSION) κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκκ κκκκ κκκκ κκκκκ κκκκ κκκ κκκκκ
                                             
SECUR= ITY                                            
ONLINE SECURITY (SIPP) κκκκ κκκ κκκ κκκκ κκκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ NA NA κκ κκκ κκκ κκκκ κκκ κκκκ κκκκ κκκκ κκκκ
ONLINE SECURITY (INDIVIDUAL PENSION) κκκκ NA NA κκκκ NA κκκ κκκ NA NA NA NA κκκκ κκκκ κκ κκκ κκκ κκκ κκκ κκκκ κκκ κκκ NA
SECURE COMMUNICATIONS (SIPP &= amp; INDIVIDUAL PENSION) κκκ κκ κκκκκ κκκκκ κκκ κκκ κκκκ κκκ κκκ κκκ κκκ NA NA NA κκκκ κκκκκ κκκ κκκκκ κκκ κκκ κ κκκκ
DATA PROTECTION (SIPP & INDIVIDUAL PENSION) κκκκ κκκκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA NA κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ
SECURITY STANDARDS (SIPP & INDIVIDUAL PENSION) κκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ NA NA NA κκκ κκκ κκκκ κκκ κκκ κκκ κκ κκκ
MOBILE SECURITY (SIPP) κκκκκ κκκκκ κκκ κκκκ κκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ NA NA NA κκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκ κκκκ
MOBILE SECURITY (INDIVIDUAL PENSION) κκκκκ NA NA κκκκ NA κκκκκ κκκκκ NA NA NA NA κκκκκ κκκκ NA κκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκ NA NA
                                             
ONLIN= E ACCESS                                            
ACCESS  (SIPP & INDIVIDUAL PENSION) κκκ κκκκ κκκκ κκκκ κκκκ κκκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκκ κκκ κκκκ κκκκ κκκκ κκκ κκκκ
MOBILE PLATFORM & BROWSER=   (SIPP)<= /td> κκ κκ κ κκ κκ κ κ κκ κκ κκ κκ NA NA κκ κκ κ κ κκ κ κ κκκκ κκκκ
MOBILE PLATFORM & BROWSER=   (INDIVIDUAL PE= NSION) κκ NA NA κκκ NA κ κ NA NA NA NA κκ κκκ NA κκ κ κ κκ κ κ κκκκ NA
                                             
ONLIN= E AUDIT TRAIL                                            
AUDIT TRAIL (SIPP) κκκκκ κκκ κκκ κκκκ κκκκ κκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κ κ κκ κ κκκ κκκ κκκ κκκκκ κκκκκ
AUDIT TRAIL (INDIVIDUAL PENSION) κκκκκ NA NA κκκ NA κκ κκκκ NA NA NA NA κκκκ κκκ NA κ κκ κ κκκ κκκ κκκ κκκκκ NA
                                             
ONLIN= E PRODUCTS                                            
CONTRIBUTIONS (SIPP) κκ κκκ κκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ NA NA κκκ κκ κκ κκ κκκκ κκκκκ κκκκκ κκκκ κκκκ
CONTRIBUTIONS (INDIVIDUAL PENSION) κκ NA NA κκ NA κκ κκκ NA NA NA NA κκ κκκ κκ κκ κκκ NA κκκκ κκκκ κκκκ κκκ NA
CORE OPTIONS (SIPP) κκκ κκκ κκκκ κκκ κκ κκκκκ κκκκ κκκ κκκ κκκ κκκ NA NA κκκκ κκκ κκ κκκ κκκ κκκ κκκ κκκκ κκκκκ
CORE OPTIONS (INDIVIDUAL PENSION) κκκ NA NA κκ NA κκκκ κκκκ NA NA NA NA κκκ κκ κκκκ κκκ κ κκκ κκκκ κκκ κκκ κκκ NA
                                             
ONLIN= E FUND COVERAGE                                            
NON-CORE OPTIONS (SIPP) κκ κκ κκκ κκ κκ κκκκ κκ κ κ κ κ NA NA κκκ κκκ κκκ κκ κκκ κκκ κκκ κκκ κκκ
NON-CORE OPTIONS (INDIVIDUAL PENSION) κκ NA NA κκ NA κκκκ κκ NA NA NA NA κ κ κκκ κκκ κκ κκ κκκ κκκ κκκ κκκ NA
INVESTMENT/FUND OPTIONS (SIPP= & INDIVIDUAL PENSION) κκκκ κκκ κκκ κκκ κκκ κκκκ κκκκ κκκ κκκκ κκκ κκκ NA NA κκκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκ κκκ
                                             
FUND INFORMATION                                            
FUND CODES (SIPP & INDIVI= DUAL PENSION) κκκ κκ κκκ κκκ κκκ κκκκ κκκκ κκκ κκκ κκκ κκκ NA NA κκκκκ κκκ κκκ κκκ κκκκ κκκ κκκ κκκκ κκκ
FUND FACT SHEETS (SIPP & INDIVIDUAL PENSION) κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκ κκκ κκκκ κκκ κκκ κκκ κ
                                             
CASH = ACCOUNTS                                            
CASH ACCOUNTS (SIPP) κκκ κκκ κκκ κκ κκ κκκκ κκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκκ κκκ κκ NA κκκ κκκ κκκ κκ κκκ
CASH ACCOUNTS (INDIVIDUAL PENSION) κκκ NA NA κκ NA κκ κκκ NA NA NA NA NA κκ NA κκκ NA NA κκκ κκκ κκκ κκ NA
                                             
ILLUS= TRATIONS AND KEY FEATURES                                            
ILLUSTRATION GENERATION  (SIPP & IN= DIVIDUAL PENSION) κκκκ κκκκ κκκκ κκκκ κκκ κκκκ κκκ κκκ κκκ κκκ κκκ NA NA κκκκ κκ κκκκ κκκ κκκκ κκκκ κκκκ κκκ κκκκ
ILLUSTRATION DATA  (SIPP & INDIVIDUAL PENSION) κκκκ κκκκ κκκκ κκκκκ κκκκ κκκκκ κκκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκκκ κκκκ κκκκκ κκ κκκκκ κκκκ κκκκ κκκκ κκκκκ
ILLUSTRATION STORAGE/RETRIEVA= L  (SIPP & INDIVIDUAL PENSION) κκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκ κκκ κκκ κκκ NA NA κκκκ κκ κκκκκ κκκκ κκκκ κκκκ κκκκ κκκκκ κκκκ
ILLUSTRATION GROWTH RATES   (SIPP & INDIVIDUAL PENSION) κκκκκ κκ κκκκ κκκ κκκ κκκ κκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκκ κκκκκ κκκκ κκκκκ κκκκκ κκκ κκκ
                                             
E-NEW= BUSINESS                                            
E-NEW BUSINESS (SIPP) κ κκκ κ κκκκ κκκκ NA κκκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκκ κ κ κ κκκ κκκκ κκκκ κκκκ κκκ
E-NEW BUSINESS (INDIVIDUAL PENSION) κ NA NA κκκκ NA NA κκκκκ NA NA NA NA κ κκκ κκκκ κ κκκκ κ κκκ κκκκ κκκκ κκκκ NA
TRANSFERS & NON ORIGO OPT= IONS (SIPP) κ κ κ κκκκ κκκκ κ κκκ κκκ κκκ κκκ κκκ NA NA κκκκ κ κ κ κκκκκ NA κκκκκ κκκκ κκκκκ
TRANSFERS & NON ORIGO OPT= IONS (INDIVIDUAL PENSION) κ NA NA κκκκ NA κ κκκ NA NA NA NA κκ κκ κκκκ κ κκκκ κ κκκκκ NA NA κκκκ NA
ORIGO OPTIONS (P2P) (SIPP) κκκκ NA NA κκκκ κκκκ NA κκ NA NA NA NA NA NA κκκκ κκκ κκκκκ κκκκ NA κκκκ κκκκ NA NA
ORIGO OPTIONS (P2P) (INDIVIDUAL PENSION) κκκκ NA NA κκκκ NA NA κκ NA NA NA NA κ κ κκκκ κκκ κκκκ κκκκ NA κκκκ κκκκ NA NA
ELECTRONIC ID   (SIPP & INDIVIDUAL PENSION) NA= κκκκκ κ κ κ κκκκκ κκκκκ κ κ κ κ NA NA NA κκκκ κκκκκ NA κκκκκ κκκκκ κκκκκ κκκκκ NA
PAYMENTS   (SIPP & INDIVIDUAL PENSION) κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ NA NA κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ κκκκκ
                                             
TRACK= ING FACILITIES                                            
TRACKING PROCESS (SIPP) κκκ κ κκκ κκ κκ κ κκ κκ κκ κκ κκ NA NA κκ κκ κκκ κκκ κκ κκκκ κκκκ κκκ κκκ
TRACKING PROCESS (INDIVIDUAL PENSION) κκκ NA NA κκ NA κ κκ NA NA NA NA κκ κκκκ NA κκ κκκκ κκκ κκ κκκκ κκκ κκκ NA
WHAT IS TRACKED   (SIPP & INDIVIDUAL PENSION) κ κκ κ κκ κκ κκ κκκκκ κκ κκ κκ κκ NA NA κκ κ κκκ κ κκ κκκ κκκ κκκ κκ
PROACTIVE TRACKING  (SIPP)<= /td> κκ κκ κκ κκκ κκκ κκ κκκκκ κκ κκ κκ κκ NA NA κκ κκ κκκ κκκ κκ κκκ κκκ κκκκκ κκκ
PROACTIVE TRACKING  (INDIVIDUAL PE= NSION) κκ NA NA κκ NA κκ κκκκκ NA NA NA NA κ κκ κκ κκ κκκ κκκ κκ κκκ κκκ κκκκκ NA
                                             
ONLINE FACILITIES                                            
SWITCHES (SIPP) κκκ κκκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκκ
SWITCHES (INDIVIDUAL PENSION) κκκ NA NA κκκκ NA κκκκ κκκκ NA NA NA NA κκκκ κκκκ κκκ κκκκ κκκκ κκκ κκκ κκκκ κκκκ κκκκ NA
RE-BALANCING (SIPP) NA= NA κκ κκ κκκ κκκκ κκκ NA NA NA NA NA NA κκκ κκκ NA κκ κκ κκ κκκ κκκκκ κκκκ
RE-BALANCING (INDIVIDUAL PENSION) NA= NA NA NA NA κκκκ κκκ NA NA NA NA NA κκκ κκκ κκκ NA κκ κκ NA NA κκκκκ NA
TRADING (SIPP) κκκ κκκκ κκκ κκκ κκκ κκκκ κκκ κκ κκ κκ κκ NA NA κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκκ κκκ
TRADING (INDIVIDUAL PENSION) κκκ NA NA κκ NA κκκκ κκκ NA NA NA NA κκ κ κκκ κκκ NA κκκ κκκ κκκ κκκ κκκκ NA
                                             
ONLINE AMENDMENTS                                            
INCREMENTS (SIPP) κ κκκ κκ κκκ κκκ κ κκκ κκκ κκκ κκκ κκκ NA NA κκ κκ κ κκκ κκκ κ κκκ κκκκκ κκκκ
INCREMENTS (INDIVIDUAL PENSION) κ NA NA κκκ NA κ κκκ NA NA NA NA κκ κκ κ κκ κκκ κκκ κκκ κ κ κκκκκ NA
CHANGES (SIPP) κκ κκκ κ κκ κκ κκ κκκκ κκ κκ κκ κκ NA NA κκ κκ κκκκ κ κκ κκκ κκκ κκκκκ κκκκ
CHANGES (INDIVIDUAL PENSION) κκ NA NA κκ NA κκ κκκκ NA NA NA NA κκ κκκ κκ κκ κκκ κ κκ κκκ κκκ κκκκκ NA
                                             
VALUA= TIONS                                            
VALUATIONS (SIPP) κκκ κκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ κκκ NA NA κκ κκκ κκκ κκκ κκκ κκκ κκκ κκκκ κκκ
VALUATIONS (INDIVIDUAL PENSION) κκκ NA NA κκκ NA κκκ κκκ NA NA NA NA κκκ κκ NA κκκ κκκ κκκ κκκ κκκ κκκ κκκ NA
                                             
VALUA= TION DATA AND STATEMENTS                                            
VALUATION DATA (SIPP) κκκκ κκ κκκ κκ κκ κκκ κκκ κκ κκ κκ κκ NA NA κκκ κκκ κκκ κκκκ κκκ κκκκ κκκκ κκκκ κκκ
VALUATION DATA (INDIVIDUAL PENSION) κκκκ NA NA κκκ NA κκκ κκκ NA NA NA NA κκ κκκκ κκ κκκ κκ κκκ κκκ κκκ κκκ κκκκ NA
BENEFIT STATEMENTS  (SIPP)<= /td> κκκ κκ κκ κκ κκ κκκ κκκκκ κ κ κ κ NA NA κκκ NA κ κκ κ κκ κκ κκκ κκ
BENEFIT STATEMENTS  (INDIVIDUAL PE= NSION) κκκ NA NA κκκ NA κκκ κκκκκ NA NA NA NA κ κκ κκκ NA κ κκ κ κκ κκ κκκ NA
                                             
VALUA= TIONS ERROR MESSAGES                                            
ERROR MESSAGES (SIPP & INDIVIDUAL PENSION) κκκ NA NA κκκ κκκ κκ κ κκκκκ κκκκκ κκκκκ κκκκκ NA NA NA κ κκκ κκκ κκ κ κ NA NA
                                             
CLIEN= T ACCESS                                            
CLIENT ACCESS (SIPP) κκκ κκκ κκ κκ κκ κκκ κκ κκκ κκκ κκκ κκκ NA NA κκκ κ κκ κκ κκ κκκ κκκ κκκ κκ
CLIENT ACCESS (INDIVIDUAL PENSION) κκκ NA NA κκ NA κκκ κκ NA NA NA NA κκ κκκ κκκ κ κκ κκ κκ κκκ κκ κκκ NA
                                             
MANAG= EMENT INFORMATION                                            
MI REPORTING  (SIPP)<= /td> κκκ κ κκκ κκ κκ κκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA NA NA κ κ κκ κκκ κκκ κκκκ κκκ
MI REPORTING  (INDIVIDUAL PE= NSION) κκκ NA NA κκκ NA κκ κκκκ NA NA NA NA κκκκ κκκ NA NA κ κ κκ κκκ κκκ κκκκ NA
CLIENT AUDIT TRAIL (SIPP) κκκκ κκκ κκκ κκκκ κκκκ κκκ κκκκκ κκκκ κκκκ κκκκ κκκκ NA NA NA NA NA NA κκκκ κκκκ κκκκ κκκκκ κκκκκ
CLIENT AUDIT TRAIL (INDIVIDUAL PENSION) κκκκ NA NA κκκκ NA κκκ κκκκκ NA NA NA NA κκκκ κκ NA NA κκ NA κκκκ κκκκ κκκκ κκκκκ NA
CORPORATE ACTIONS  (SIPP)<= /td> κκκ κκ κκκκκ κκκ κκκ κκκ κκκκκ κκκ κκκ κκκ κκκ NA NA NA NA κ NA κ κκκ κκκ NA κκκ
CORPORATE ACTIONS  (INDIVIDUAL PE= NSION) κκκ NA NA κκκ NA NA κκκκκ NA NA NA NA κκκ κκκ NA NA NA NA κ κκκ κκκ NA NA
                                             
REMUN= ERATION AND CHARGES                                            
CHARGES  (SIPP)<= /td> κκ κκκ κκκ κκκκ κκκκ κκκ κκκ κκκ κκκ κκκ κκκ NA NA κκ κκκ κκκ κκ κκκ κκκ κκκ κκκ κκκ
CHARGES  (INDIVIDUAL PE= NSION) κκ NA NA κκκ NA κκκ κκκ NA NA NA NA κκκ κκκκ κκ κκκ κκ κκ κκκ κκκ κκκ κκκ NA
REMUNERATION   (SIPP & INDIVIDUAL PENSION) κκκκ κκκ κκκ κκκκ κκκκ κκ κκκκ κκ κκ κκ κκ NA NA κκ κκ κκκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκ
                                             
INTEG= RATION FUNCTIONALITY                                            
PRE-POPULATION (SIPP) κκκκ NA κκκ NA NA NA κκ κκκκκ κκκκκ κκκκκ κκκκκ NA NA NA κκ κ κ NA κκκκ κκκκ κκκκ κκκκ
PRE-POPULATION (INDIVIDUAL PENSION) κκκκ NA NA κκκ NA NA κκ NA NA NA NA κκκκκ κκκκκ NA κκ κ κ NA κκκκ κκκκ κκκκ NA
RE-POPULATION (SIPP) κκκ NA κκ κκ κκ NA κκκκ κκκκκ κκκκκ κκκκκ κκκκκ NA NA NA NA κκκ NA NA κκκ κκκ κκκ κκκκκ
RE-POPULATION (INDIVIDUAL PENSION) κκκ NA NA κκκ NA NA κκκκ NA NA NA NA κκκκκ κκ NA NA κκκκ NA NA κκκκ κκκκ κκκ NA
INTEGRATION: PORTALS (SIPP) κκκ NA κ κ κ κ κ κ κ κ κ NA NA κ κ κ NA κκκ κκ κκ κκ NA
INTEGRATION: PORTALS (INDIVIDUAL PENSION) κκκ NA NA κκκκ NA κ κ NA NA NA NA κκ κκκ κ κ κκκ NA κκκ κκκ κκκ κκ NA
INTEGRATION WITH PLATFORMS (SIPP) κ κ κ κ κ κ κκ κκ κκ κκ κκ NA NA κκ κ κκ κκ κκ κ κ κκκ κκ
INTEGRATION WITH PLATFORMS (INDIVIDUAL PENSION) κ NA NA NA NA κ κκ NA NA NA NA κκ NA κκ κ NA κκ κκ κ κ κκκ NA
INTEGRATION WITH PRODUCT PROVIDERS   (SIPP & INDIVIDUAL PENSION) NA= NA κκ κ κ NA NA κ κ κ κ NA NA NA NA NA NA NA NA NA κκκκκ NA
                                             
CMS INTEGRATION                                             
INTEGRATION: CMS  (SIPP)<= /td> κκκ NA κ κ κ κ κ κκ κκ κκ κκ NA NA NA κ κκ κ κ κκκ κκκ κ κ
INTEGRATION: CMS (INDIVIDUAL PENSION) κκκ NA NA κκκκ NA κ κ NA NA NA NA κκ κκκ NA κ κκκ κ κ κκκ κκκ κ NA
                                             
SOCIA= L MEDIA                                            
POLICY & PROCEDURES   (SIPP & INDIVIDUAL PENSION) κκκ κκκ κκκ κκκκ κκκκ κκ κ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκκ κκ κκκ κκκ κκκκ κκκκ κ NA
SITES & CONTENT   (SIPP & INDIVIDUAL PENSION) κ κ κκκ κκκ κκκ κκ κ κκκ κκκ κκκ κκκ NA NA κκκ κκ κ κκκ κ κ κ κ NA
                                             
SUPPO= RT SERVICES                                            
SUPPORT SERVICES (SIPP) κκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκ κκκ κκκκ κκκκ κκκκκ κκκκ κκκκ κκκκ κκκ
SUPPORT SERVICES (INDIVIDUAL PENSION) κκκ NA NA κκκκ NA κκκκ κκκκ NA NA NA NA κκκκ κκκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ κκκκ κκκκ NA
CO-BRANDING   (SIPP & INDIVIDUAL PENSION) κκ κκ κκκκ κ κ κκκ κκκ κκκ κκκ κκκ κκκ NA NA κ κ NA κκκ κ κκκκ κκκκ κκκ κκκκκ
COMMUNICATION (SIPP) κκκ κκ κκ κκ κκ κκ κκ κ κ κ κ NA NA κκ κκ κκκ κκκ κκκ κκ κκ κκ κκ
COMMUNICATION (INDIVIDUAL PENSION) κκκ NA NA κκκ NA κκ κκ NA NA NA NA κ κκ κκ κκ κκκ κκκ κκ κκ κκ κκ NA
                                             
STAND= ARDS                                            
TCF (S= IPP) κκκκκ κκκκ κκκ κκκκκ κκκκκ κκκ κκκ κκκ κκκ κκκ κκκ NA NA κκκ κκκκ κκκκκ κκκ κκκκ κκκκκ κκκκκ κ κκκ
TCF (I= NDIVIDUAL PENSION) κκκκκ NA NA κκκκ NA κκκ κκκ NA NA NA NA κκκ κκκκ κκκ κκκκ κκκκκ κκκ κκκκ κκκκκ κκκκκ κ NA
SERVICE STANDARDS (SIPP) κκκ κκκ κκκκ κκκ κκκ κκκ κκκ κκκκ κκκκ κκκκ κκκκ NA NA κκκκ κκκ κκκ κκκ κκ κκκκ κκκκ κκκκ κκκκκ
SERVICE STANDARDS (INDIVIDUAL PENSION) κκκ NA NA κκκκ NA κκκ κκκ NA NA NA NA κκκκ κκκκ κκκκ κκκ κκκ κκκ κκ κκκκ κκκκ κκκκ NA
PLAIN ENGLISH ACCREDITATION   (SIPP & INDIVIDUAL PENSION) NA= NA NA κ κ κκκκκ NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
                                               
   
FUNCTIONALITY TOTALS = (SIPP)  
  κκκκκ 5 κκκκκ 4 κκκκκ 3 κκκκκ 4 κκκκκ 2 κκκκκ 7 κκκκκ 10 κκκκκ 5 κκκκκ 5 κκκκκ 5 κκκκκ 5 κκκκκ NA κκκκκ NA κκκκκ 3 κκκκκ 1 κκκκκ 8 κκκκκ 3 κκκκκ 7 κκκκκ 7 κκκκκ 7 κκκκκ 10 κκκκκ 10
  κκκκ 12 κκκκ 9 κκκκ 11 κκκκ 18 κκκκ 18 κκκκ 13 κκκκ 16 κκκκ 17 κκκκ 18 κκκκ 17 κκκκ 17 κκκκ NA κκκκ NA κκκκ 9 κκκκ 8 κκκκ 8 κκκκ 10 κκκκ 14 κκκκ 19 κκκκ 20 κκκκ 19 κκκκ 15
  κκκ 23 κκκ 18 κκκ 23 κκκ 15 κκκ 17 κκκ 16 κκκ 16 κκκ 17 κκκ 16 κκκ 17 κκκ 17 κκκ NA κκκ NA κκκ 17 κκκ 20 κκκ 19 κκκ 20 κκκ 16 κκκ 20 κκκ 22 κκκ 15 κκκ 18
  κκ 8 κκ 13 κκ 9 κκ 13 κκ 13 κκ 10 κκ 8 κκ 10 κκ 10 κκ 10 κκ 10 κκ NA κκ NA κκ 12 κκ 12 κκ 8 κκ 8 κκ 11 κκ 4 κκ 3 κκ 5 κκ 5
  κ 6 κ 5 κ 9 κ 7 κ 7 κ 7 κ 6 κ 6 κ 6 κ 6 κ 6 κ NA κ NA κ 3 κ 10 κ 10 κ 9 κ 5 κ 5 κ 4 κ 5 κ 2
   
   
FUNCTIONALITY TOTALS (INDIVIDUAL PENSION)  
  κκκκκ 5   NA   NA κκκκκ 3   NA κκκκκ 6 κκκκκ 10 κκκκκ NA κκκκκ NA κκκκκ NA κκκκκ NA κκκκκ 5 κκκκκ 2 κκκκκ 3 κκκκκ 1 κκκκκ 7 κκκκκ 3 κκκκκ 6 κκκκκ 6 κκκκκ 4 κκκκκ 10 κκκκκ NA
  κκκκ 12   NA   NA κκκκ 20   NA κκκκ 13 κκκκ 16 κκκκ NA κκκκ NA κκκκ NA κκκκ NA κκκκ 13 κκκκ 20 κκκκ 8 κκκκ 8 κκκκ 13 κκκκ 8 κκκκ 15 κκκκ 21 κκκκ 21 κκκκ 15 κκκκ NA
  κκκ 23   NA   NA κκκ 19   NA κκκ 14 κκκ 16 κκκ NA κκκ NA κκκ NA κκκ NA κκκ 11 κκκ 17 κκκ 15 κκκ 20 κκκ 17 κκκ 22 κκκ 15 κκκ 20 κκκ 21 κκκ 19 κκκ NA
  κκ 8   NA   NA κκ 10   NA κκ 12 κκ 8 κκ NA κκ NA κκ NA κκ NA κκ 16 κκ 11 κκ 10 κκ 12 κκ 7 κκ 7 κκ 12 κκ 2 κκ 3 κκ 4 κκ NA
  κ 6   NA   NA κ 4   NA κ 7 κ 6 κ NA κ NA κ NA κ NA κ 10 κ 5 κ 3 κ 10 κ 6 κ 9 κ 5 κ 5 κ 5 κ 5 κ NA
As some parts= of processes are more important to advisers than others, various sections ab= ove are weighted differently in arriving at the overall “e”-rating. Consequen= tly companies can achieve high ratings in many individual sections without necessarily achieving the highest overall e-ratings.
As different = advisers use and prefer different ways of operating, to achieve the highest scores providers need to support the full range of operating methods identified = by advisers as in regular use during our discussions with advice firms.
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GROWING PENSION= S 2011                                                                                
SIPP  
   
                                           
  Aegon Alliance Trust Savings Ascentric Aviva Aviva Wrap AXA Wealth AXA Elevate Cofunds Pension Account = (provided by Suffolk Life) Cofunds (Legal & Gen= eral Portfolio Plus SIPP)  Cofunds (Sippcentre SIP= P)  Cofunds (Suffolk Life Ma= ster SIPP)  Legal & General LV=3D Prudential Scottish Life Scottish Widows Standard Life Standard Life Wrap True Potential Wealthtime  
                                           
Online Service Availability                                                                                
Opening Times (SIPP) κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκ   κκκ   κκκ   κκκκ   κκκ   κκκ   κκκ   κκκκ   κκκκ  
Downtimes  (SIPP= ) κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκκκ   κκκκ   κκκ   κκκκκ  
Security                                                                                
Online Security (SIPP) κκκκ   κκκ   κκκ   κκκκ   κκκκ   κκκ   κκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκ   κκκ   κκκ   κκκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκκ  
Secure communications (SIPP) κκκ   κκ   κκκκκ   κκκκκ   κκκ   κκκ   κκκκ   κκκ   κκκ   κκκ # κκκ   NA   κκκκ   κκκκκ   κκκ   κκκκκ   κκκ   κκκ   κ   κκκκ  
Data Protection (SIPP) κκκκ   κκκκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ # κκκκ   NA   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ  
Security Standards (SIPP) κκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ # κκκ   NA   κκκ   κκκ   κκκκ   κκκ   κκκ   κκκ   κκ   κκκ  
Mobile Security (SIPP) κκκκκ   κκκκκ   κκκ   κκκκ   κκκκ   κκκκκ   κκκκκ   κκκκκ   κκκκκ   κκκκκ # κκκκκ   NA   κκκκ   κκκκκ   κκκκκ   κκκκκ   κκκκκ   κκκκκ   κκ   κκκκ  
Online Access                                                                                
Access  (SIPP) κκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκκ   κκκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκ   κκκ   κκκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκ   κκκκ  
Mobile Platform & Browser  (SIPP) κκ   κκ   κ   κκ   κκ   κ   κ   κκ   κκ   κκ # κκ   κκ   κκ   κ   κ   κκ   κ   κ   κκκκ   κκκκ  
Online Audit Trail                                                                                
Audit trail (SIPP) κκκκκ   κκκ   κκκ   κκκκ   κκκκ   κκ   κκκκ   κκκκ   κκκκ   κκκκ # κκκκ   κ   κ   κκ   κ   κκκ   κκκ   κκκ   κκκκκ   κκκκκ  
Online Products                                                                                
Contributions (SIPP) κκ   κκκ   κκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ # κκκ   κκκ   κκ   κκ   κκ   κκκκ   κκκκκ   κκκκκ   κκκκ   κκκκ  
Core Options (SIPP) κκκ   κκκ   κκκκ   κκκ   κκ   κκκκκ   κκκκ   κκκ   κκκ   κκκ # κκκ   κκκκ   κκκ   κκ   κκκ   κκκ   κκκ   κκκ   κκκκ   κκκκκ  
Online Fund Coverage                                                                                
Non-core Options (SIPP) κκ   κκ   κκκ   κκ   κκ   κκκκ   κκ   κ   κ   κ # κ   κκκ   κκκ   κκκ   κκ   κκκ   κκκ   κκκ   κκκ   κκκ  
Investment/Fund Options (SIPP) κκκκ   κκκ   κκκ   κκκ   κκκ   κκκκ   κκκκ   κκκ   κκκκ   κκκ # κκκ   κκκκ   κκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκ   κκκ  
Fund Information                                                                                
Fund Codes (SIPP) κκκ   κκ   κκκ   κκκ   κκκ   κκκκ   κκκκ   κκκ   κκκ   κκκ # κκκ   κκκκκ   κκκ   κκκ   κκκ   κκκκ   κκκ   κκκ   κκκκ   κκκ  
Fund Fact Sheets (SIPP) κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκ   κκκ   κκκ   κκκ   κκκκ   κκκ   κκκ   κκκ   κ  
Cash Accounts                                                                                
Cash Accounts (SIPP) κκκ   κκκ   κκκ   κκ   κκ   κκκκ   κκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκκ   κκκ   κκ   NA   κκκ   κκκ   κκκ   κκ   κκκ  
Illustrations and Key Features                                                                                
Illustration Generation (SIPP) κκκκ   κκκκ   κκκκ   κκκκ   κκκ   κκκκ   κκκ   κκκ   κκκ   κκκ # κκκ   κκκκ   κκ   κκκκ   κκκ   κκκκ   κκκκ   κκκκ   κκκ   κκκκ  
Illustration Data (SIPP) κκκκ   κκκκ   κκκκ   κκκκκ   κκκκ   κκκκκ   κκκκκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκκκ   κκκκ   κκκκκ   κκ   κκκκκ   κκκκ   κκκκ   κκκκ   κκκκκ  
Illustration Storage/Retrieval (SIPP) κκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκ   κκκ   κκκ # κκκ   κκκκ   κκ   κκκκκ   κκκκ   κκκκ   κκκκ   κκκκ   κκκκκ   κκκκ  
Illustration growth rates (SIPP) κκκκκ   κκ   κκκκ   κκκ   κκκ   κκκ   κκ   κκκκ   κκκκ   κκκκ # κκκκ   κκκ   κκκ   κκκκ   κκκκκ   κκκκ   κκκκκ   κκκκκ   κκκ   κκκ  
e-New Business                                                                                
e-New Business (SIPP) κ   κκκ   κ   κκκκ   κκκκ   NA   κκκκκ   κκκκ   κκκκ   κκκκ # κκκκ