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The Phoenix Holdings Ltd.

Regulatory Filings Jun 4, 2010

6983_iss_2010-06-04_f9b5c4f6-3a38-4f8b-917e-23d81b1669cc.pdf

Regulatory Filings

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Not\$for\$release,\$in\$whole\$or\$in\$part,\$into\$the\$United\$States,\$Australia,\$Canada,\$Japan,\$or\$South\$Africa

Phoenix\$Group\$Holdings > Move\$to\$Premium\$Listing

Phoenix"Group"Holdings"("the"Company")"announces"that"it"expects"to"publish"a" Prospectus"and"Shareholder"Circulars later"today"in"relation"to"a"Premium"Listing"on" the"London"Stock"Exchange.""Full"details"will"be"available today"on"the"Company's" website"(www.thephoenixgroup.com). "The"Premium"Listing"is"expected"to"become" effective"on"5"July"2010"and"Phoenix"expects"to"be"considered"for"inclusion"in"the" FTSE"UK"index"series"in"September"2010.

The"Company"has"made"proposals"to"the"holders"of"Contingent"Rights"that"would" allow"the"Company"to"meet"the"Listing"Rules"requirements"in"respect"of"dilutive" instruments.""The"proposals"are"subject"to"the"agreement"of"the"Contingent"Right" holders"and"to"Shareholder"and"lending"bank"approval." The"resolutions"set"out"in" the"Shareholder"Circulars"include"details"of"proposals"for"the"exchange"of"the" Contingent"Rights"for"Ordinary"Shares"at"a"rate"of"nine"shares"for"every"ten" Contingent"Rights"held." It"is"intended"that"the"proposals"will"be"put"to"Shareholders" for"approval"at"the"Company's"AGM"on"23"June"2010.""Details"of"the"AGM"are" published"below.

Ron\$Sandler,\$Chairman\$of\$Phoenix\$Group\$Holdings,\$said:

"The"Premium"Listing"and"the"simplification"of"our"capital"structure"are"important" steps"towards"the"delivery"of"our"strategy,"which"is"to"play"the"leading"role"in"the" safe"decommissioning"of"the"closed"life"fund"sector."

"The"closure"to"new"business"of"much"of"the"traditional"life"sector"is"not"good"news" for"millions"of"policyholders." There"is"a"clear"and"growing"need"to"consolidate"such" closed"life"funds"so"that"they"can"be"run"off"efficiently"to"deliver"better"outcomes"for" their"policyholders." Phoenix"is"the"natural"home"for"these"funds"and"the"Premium" Listing"will"accelerate"our"ability"to"bring"this"about." We"believe"this"will"benefit" consumers,"the"industry"and"our"shareholders."

Jonathan\$Moss,\$Group\$Chief\$Executive\$of\$Phoenix\$Group\$Holdings,\$said:

"Phoenix"continues"to"deliver"on"its"corporate"objectives"and"commitments." We" reported"operating"cash"generation"of"over"£700"million"for"2009"and"£270"million" for"the"first"quarter"of"2010." We"have"significantly"strengthened"our"Board"and" management,"resolved"outstanding"issues"with"our"tier"1"bondholders"and"are"in"the" process"of"simplifying"our"capital"structure."

"Following"the"Premium"Listing,"we"will"be"able"to"focus"on"simplifying"our"banking" facilities"and"delivering"accelerated"cashflow"and"embedded"value"growth"from" management"actions." In"due"course,"we"believe"that"we"will"be"able"to"take" advantage"of"acquisition"opportunities"in"the"consolidation"of"the"closed"life"sector," thereby"enhancing"value"for"our"shareholders."

Benefits\$from\$actions\$taken\$in\$preparation\$for\$the\$Premium\$Listing

The"Board"believes"that"the"work"that"has"been"done"to"prepare"the"Company"for" the"Premium"Listing"has"strengthened"the"Company's"investment"case,"making the" business"easier"to"understand"and"more"transparent." This"work"included:

  • the"successful"outcome"of"the"Public"and"Insider"Warrant"Exchange" Invitations;
  • the"proposals"to"exchange"Contingent"Rights"for"new"Ordinary"Shares," subject"to"Contingent"Right"holders'"agreement"and"Shareholder"and"lending" bank"approval;
  • the"proposal,"subject"to"Shareholder"and"Class"B"Shareholder"approval,"to"rec designate"all"Class"B"Shares"as Ordinary"Shares"upon"the"Premium"Listing;
  • the"resolution"of"issues"with"tier"1"bondholders"and"the"resumption"of" coupon"payments;
  • the"appointment"of"four"new"Independent"Non"Executive"Directors"(one"of" whom,"Alastair"Lyons,"has"become"the"Senior"Independent"Director);"and
  • the"move"to"IFRS"accounting"and"closer"alignment"of"the"Company's" embedded"value"methodology"with"CFO"Forum"MCEV"principles."

Reasons\$for\$the\$Premium\$Listing

The"Board"believes"that"the"simplification"of"the"capital"structure,"the"Premium" Listing"and"possible"FTSE"UK"index"inclusion"will"assist"in"raising"the"profile"of"the" Company,"broadening"analyst"coverage"of"the"Company"and"increasing"the" attractiveness"of"its"shares"to"a"wider"universe"of"investors.

As"a"consequence,"the"Board"believes"that"this"will"lead"to"increased"liquidity"of"the" shares,"which"will"help"support"future"strategic"objectives."The"Board"also"believes" that"the"Premium"Listing"has"acted"as"a"catalyst"in"reducing"the"complexity"of"the" Company's"capital"structure,"providing"investors"with"a"simpler"and"more"certain" basis"for"valuation"in"the"future.

A\$compelling\$investment\$case\$

The"Board"believes"that"the"Company"has"a"compelling"investment"case"as"it:

  • is"a"highly"cash"generative"business,"supporting"returns"to"Shareholders;"
  • has"no"new"business"strain"and"the"fact"that"regulatory"capital"is"released"as" the"life"funds"runcoff"gives"predictability"over"long"term"cashflows;
  • is"a"market"leader"in"UK"closed"life"fund"runcoff"with"approximately"6.5" million"policyholders"and"£69"billion"of"assets"under"management." The" Company"owns"and"operates"an"existing"portfolio"of"household"name" businesses"with"significant"value"creation"opportunities;

  • operates"in"a"market"which"is"likely"to"grow"significantly"as"regulation"and" lack"of"demand"for"traditional"products"causes"the"current"operators"of"life" funds"to"reconsider"their"strategic"options." As"they"do"so,"the"Company" believes"that"the"market"will"increasingly"require"a"safe"and"responsible" manager"of"closed"funds,"thus"offering"longcterm"opportunities"for"growth"in" our"business;

  • has"a"track"record"and"expertise"in"creating"value"through"business" integration"and"financial"management"of"closed"life"funds;"and
  • has"a"simple"and"scalable"business"model"with"an"outsourced,"primarily" variableccost"operating"model.

Proposed\$changes\$to\$capital\$structure

Providing"the"Contingent"Right"holders'"agreement"and"necessary"Shareholder"and" lending"bank"approvals"are"obtained,"upon"Premium"Listing"the"Company"will"issue" to"each"holder"of"Contingent"Rights"nine"Ordinary"Shares"for"every"ten"Contingent" Rights,"resulting"in"the"issue"of"32,400,000"new"Ordinary"Shares"in"aggregate. "The" Contingent"Right"holders"will"also"have"the"right"to"receive"in"aggregate"3,600,000" new"Ordinary"Shares"in"the"event"of"a"change"of"control"of"the"company"within"three" years"of"the"Premium"Listing. "Further,"as"part"of"the"agreement,"all"lockcup arrangements"over"the"Contingent"Right"holders'"existing"shareholdings"will"be" released.

The"proposals"include"provisions"that"that"Contingent"Right"holders"agree:

  • not"to"transfer"the"new"Ordinary"Shares"for"12"months;"and
  • to"take"all"dividends"paid"in"respect"of"the"12"months"from"the"issue"of"the" new"Ordinary"Shares"as"scrip"dividends.

Manjit"Dale"and"Hugh"Osmond,"both"of"whom"are"Directors"of"the"Company"and" who"are,"or"are"connected"to"Contingent"Right"holders,"have,"together"with"their" connected"parties,"separately"agreed"not"to"vote"on"the"proposals"at"the"AGM.

The"Company"will"further"simplify"its"structure"by"asking"Shareholders"to"approve" the"adoption"of"new"articles"of"association"and"recdesignation"of"all"of"the"Class"B" Shares"currently"in"issue"into"Ordinary"Shares, which"will"rank"equally"in"all"respects" with"the"existing"Ordinary"Shares.

In"conjunction"with"the"movecup"to"a"Premium"Listing,"the"Company"is"today"also" announcing"its"intention"to"declist"the"Ordinary"Shares"from"Euronext"Amsterdam," subject"to"consent"from"Euronext"Amsterdam." Providing"the"Premium"Listing" becomes"effective,"the"declisting"of"the"Ordinary"Shares"from"Euronext"is"expected"to" become"effective"in"2011.

Future\$Steps\$for\$H2\$2010\$and\$beyond

Following"the"Premium"Listing,"and"in"pursuit"of"improved"returns"for"policyholders" and"shareholders,"the"focus"of"the"Company"will"include:

  • delivery"of"financial"targets." For"2010,"these"are"recurring"cash"inflows"to"the" UK"holding"company"of"£400"million"to"£500"million,"cash"flow"acceleration"of" £225"million,"and"EV"accretion"of"£145"million."""The"Company"is"currently"on" track"to"deliver"these;
  • further"fund"mergers,"increasing"policyholder"security"and"releasing" shareholder"capital"c"delivery"from"late"2010;
  • simplification"of"the"Company's"banking"arrangements;
  • repayment"of"at"least"10%"of"the"bank"debt"facility"(approximately"£275" million"in"total)"which"may"permit"a"review"of"the"existing"dividend"cap." Any" such"review"or"amendment"would"require"the"approval"of"the"lending"banks;
  • finalisation"and"implementation"of"the"Company's"Solvency"II"programme" ahead"of"the"implementation"of"Solvency"II"in"2013;"and
  • renewed"focus"on"merger"and"acquisition"strategy.

Expected\$timetable

Today Prospectus"and"Shareholder"Circulars"published
23"June Annual"General"Meeting
Meeting"of"Class"B"Shareholders
5"July Premium"Listing"becomes"effective
27"August Interim"results

Analyst\$and\$investor\$call

A"conference"call"for"analysts"and"investors"will"take"place"at"2.30pm"(BST)"today."" This"will"also"be"audiocast"via"the"Company's"website"www.thephoenixgroup.com."

The" dial" in" number" is" +44" (0)" 20" 3059" 5845" c" Password" "Phoenix"." A" replay" and" transcript"will"be"made"available"on"the"Company's"website1 ."

1 This" conference" call" may" only" be" attended" by" persons" in" the" EEA" who" are" qualified" investors" under" the" Prospectus"Directive"and"who,"in"the"UK,"have"professional"experience"in"matters"relating"to"investments"under" article" 19" of" the" Financial" Services" and"Markets" Act" 2000" (Financial" Promotion"Order)" 2005" or" high" net" worth" companies"under"art" 49"of" that"order"and"any"investment"activity" to"which" this"call" relates"is"available"only" to" such" persons" and" will" only" be" engaged" in" with" such" persons" and" persons" who" do" not" have" professional" experience"in"matters"relating"to"investments"or"who"are"not"high"net"worth"companies"should"not"rely"or"act"on" the"contents"of"this"call."In"addition,"this"conference"call"may"only"be"attended"by"persons"in"the"United"States" who" are" both" qualified" institutional" buyers" (as" defined" in" Rule" 144A" of" the" U.S." Securities" Act" of" 1933," as" amended)"and"qualified"purchasers"(as"defined"in"section"2(a)(51)"of"the"U.S."Investment"Company"Act"of"1940," as"amended).

Notice\$of\$Annual\$General\$Meeting

Phoenix"Group"Holdings"(the""Company")"hereby"announces"that"the"Annual"General" Meeting"("AGM")"will"be"held"at"12.00"noon,"on"23"June"2010,"at"1st"Floor,"32" Commercial"Street,"St"Helier,"Jersey"JE2"3RU,"Channel"Islands.

As"of"today,"the"circular"containing"the"Notice"of"the"AGM"("the"Circular")"is" expected"to"be"available"on"the"Company's"website"later"today"at" www.thephoenixgroup.com.

This"document"is"also"available"in"printed"form"by"directing"a"request"to:"(i)"the" Company's"transfer"agent,"The"Royal"Bank"of"Scotland"N.V."at"Equity"Capital" Markets/Corporate"Actions"HQ3130,"Gustav"Mahlerlaan"10,"1082"PP"Amsterdam," The"Netherlands,"Tel:"+31"20"383"6707;"Fax:"+31"20"628"0004;"Email:" [email protected]"or"(ii)"the"Company"at"Phoenix"Group"Holdings,"1st" Floor,"32"Commercial"Street,"St"Helier,"Jersey"JE2"3RU,"Tel:"+1534"715"430."

The"Circular"provides"further"details"on"the"proposals,"which"will"be"considered"and" acted"upon"at"the"AGM."Copies"of"the"Circular,"the"Prospectus"and"the"related"proxy" form,"voting"instruction"forms"and"letter"to"holders"of"CREST"Depository"Interests"are" available"for"viewing"at"the"Document"Viewing"Facility"of"the"Financial"Services" Authority"at"25"The"North"Colonnade,"Canary"Wharf,"London"E14"5HS.

Enquiries

Investor\$Relations Media

Lorraine"Rees Daniel"Godfrey

Fiona"Clutterbuck Shellie"Wells +"44"(0)"20"7489"4881 +"44"(0)"20"7489"4461

+"44"(0)"20"7489"4456 +"44"(0)"20"7489"4517 +"44"(0)"7872"413277 +"44"(0)"7894"937"890

Corporate\$Brokers\$and\$Sponsors\$to\$the\$Premium\$Listing

James"Agnew,"Deutsche"Bank +44"(0)"20"7547"6860

Andrew"Smith,"Deutsche"Bank +44"(0)"20"7545"5916

Tim"Wise,"JP"Morgan"Cazenove +44"(0)"20"7155"4576

Conor"Hillery,"JP"Morgan"Cazenove +44 (0)"20"7155"4622"

Notes\$for\$Editors

    1. Phoenix"Group"Holdings"is"the"UK's"largest"consolidator"of"closed"life"funds"with" approximately"6.5"million"policyholders"and"£69"billion"of"assets"under" management"as"at"31"March"2010.
    1. The"Company's"operating"businesses"delivered"£716"million"of"cash"inflows"to" the"UK"holding"company"and"reported"pro"forma"IFRS"operating"profits"of"£457" million"in"the"year"ended"31"December"2009." The"MCEV"at"31"December"2009" was"£1,827"million"and"the"IGD"surplus"was"estimated"at"£1.3"billion"as"at"31" March"2010.
    1. Proposed"resultant"capital"structure:

Providing"the"necessary"shareholder"approvals"are"obtained,"the"Company"will" have 164,862,855"Ordinary"Shares"in"issue."

In"addition,"the"Company"will"have"the"following"instruments"outstanding:

  • 8,169,868"Public"Warrants"over"Ordinary"Shares;
  • 17,360,000"noncpublic"Warrants"over"Ordinary"Shares"(formerly"Class"B"Share" warrants);
  • 3,600,000"Contingent"Rights"over"Ordinary"Shares"(only"issuable"in"the"event"of"a" change"of"control"within"three"years);"and"
  • 2,823,000"Ordinary"Shares"authorized"for"issue"under"employee"incentive"plans.
    1. Shareholder"meetings"

In"addition"to"the"proposals"regarding"the"Contingent"Rights"and"Class"B"Shares" and"in"order"to"achieve"the"Premium"Listing,"the"Company"will"propose"certain" resolutions"to"the"AGM,"including"amendments"to"the"Company's"Memorandum" and"Articles"of"Association."

The"Company"is"proposing"to"adopt"a"new"Memorandum"and"Articles"of" Association"(the""New"Articles")"in"order"to"ensure"that"its"governance"structure" and"the"rights"of"shareholders"are"more"consistent"with"UK"listed"public" companies." In"connection"with"these"New"Articles,"the"Company"will"also"be" seeking"approval"from"Shareholders"for"certain"corporate"actions"in"keeping"with" the"current"AGM"practice"of"UK"listed"companies."

As"the"New"Articles,"if"adopted"at"the"AGM,"will"amend"the"rights"of"the"Class"B" Shares,"it"is"necessary"under"the"Company's"existing"Articles"of"Association"to" convene"a"meeting"of"the"Class"B"Shareholders"to"consider"approving"a"resolution" for"the"adoption"of"the"New"Articles.

  1. Depositary"Interests:

The"Company"will,"prior"to"admission,"enter"into"depositary"arrangements"to" enable"investors"to"settle"and"pay"for"interests"in"the"Ordinary"Shares"through" the"CREST"system." Securities"issued"by"noncUK"incorporated"companies,"such"as" the"Company,"cannot"themselves"be"held"electronically"or"transferred"in"the" CREST"system.

Under"the"depositary"arrangements,"a"depositary"will"hold,"through"a"custodian," the"Ordinary"Shares"and"issue"dematerialised"depositary"interests"("DIs")" representing"the"underlying"Ordinary"Shares,"which"will"be"held"on"trust"for"the" holders"of"the"DIs.

Each"DI"will"be"treated"as"one"Ordinary"Share"for"the"purposes"of"determining" the"rights"attaching"to"that"DI,"for"example,"eligibility"for"any"dividends." The"DIs" will"have"the"same"security"code"(ISIN"number)"as"the"underlying"Ordinary"Shares" and"will"not"require"a"separate"listing"on"the"Official"List." The"DIs"will"enable" trading"and"settlement"of"the"Company's"Ordinary"Shares"through"CREST.

The"Euronext"Depositary"Interests"and"the"London"Stock"Exchange"Depositary" Interests"are"fully"fungible.

    1. The"Company"intends"to"apply"for"the"new"Ordinary"Shares"and"its"Ordinary" Warrants"to"be"admitted"to"the"Official"List"and"to"trading"on"the"London"Stock" Exchange." The"Company"further"intends"to"apply"for"the"new"Ordinary"Shares"to" be"admitted"to"listing"and"trading"on"Euronext"Amsterdam"(together," "Admission").""Admission"is"expected"to"become"effective"at"the"same"time"as" the"Premium"Listing."The"Ordinary"Warrants"will"also"be"held"through"CREST"in" the"form"of"DIs,"as"described"above"in"relation"to"the"Ordinary"Shares.
    1. Full"details"of"the"listing"and"all"the"proposals"that"will"be"put"to"Shareholders"at" the"AGM"and"the"Class"B"Shareholders"meeting"will be"available"on"the" Company's"website"(www.thephoenixgroup.com).
    1. Group"Finance"Director,"Simon"Smith,"will"not"seek"recelection"to"the"Board"at" the"Company's"AGM"on"23"June"2010." Group"Finance"DirectorcDesignate," Jonathan"Yates"will"seek"election"to"the"Board"in"his"place.

Appendix\$1\$–\$Capital\$structure

As"at"the"date"of"this"announcement,"there"are"the"following"classes"of"Shares,"Warrants"or" Contingent"Rights"over"shares"in"the"Company:

  • Ordinary"Shares Warrants"over"Ordinary"Shares
  • Class"B"Shares Class"B"warrants
  • Contingent"Rights"over"Ordinary"Shares.

Subject" to" the" entry" by" all" parties" thereto" into" agreements" amending" the" terms" of" the" existing" agreements" relating" to" the" Contingent" Rights" (the" "Amended" Contingent" Rights" Agreements")," certain" resolutions" being" passed" at" the" AGM" and" at" a" meeting" of" Class" B" Shareholders"and"the"adoption"of"new"articles"of"association:

  • "• All"Class"B"Shares"will"be"recdesignated"into"Ordinary"Shares;
  • "• Class"B"Warrants"will,"following"Admission,"be"warrants"over"Ordinary"Shares;"and
  • "• Contingent"Rights"over"Ordinary"Shares"shall"be"satisfied"by"the"allotment"and"issue"of" Ordinary" Shares" to" the" holders" of" such" Contingent" Rights," together" with" certain" residual"rights"left"outstanding.

The"following"table"sets"out"information"on"the"Company's"classes"of"Shares,"Warrants"and" Contingent" Rights" over" Shares" as" at" the" date" of" this" announcement" and" immediately" following"Admission:"

As!at the!date!
of!this!
announcement
Immediately!
following!
Admission(3)
Shares\$in\$issue
Ordinary"Shares 80,430,732 164,862,855
Class"B"Shares52,032,123
132,462,855 164,862,855
Ordinary\$Share\$Warrants
Ordinary"Warrants 8,169,868 8,169,868
Class\$B\$Warrants
Lenders"Warrants(1) 5,000,000 5,000,000
Royal"London"Warrants(1) 12,360,000 12,360,000
17,360,000 17,360,000
Contingent\$Rights\$over\$Shares(2)
Sun"Capital/TDR"Capital/Selling"Shareholders"(Contingent"Rights) 26,500,000 2,650,000
Lenders"(Contingent"Rights) 8,500,000 850,000
Contingent"Subscription"Agreement"(Contingent"Rights) 1,000,000 100,000
36,000,000 3,600,000
Shares\$authorised\$for\$issue\$under\$employee\$incentive\$plans 2,823,000 . 2,823,000
Total\$Warrants\$and\$Contingent\$Rights\$over\$Shares\$and\$Shares\$
authorised\$for\$issue\$under\$employee\$incentive\$plans\$outstanding 64,352,868
31,952,868

(1) Prior" to" the" Premium" Listing" the" Lender" Warrants" and" Royal" London" Warrants" are" Class" B" Warrants" and" following" the" Premium"Listing"they"will"become"Warrants"in"respect"of"Ordinary"Shares.

(2) Immediately"following"Admission,"the"outstanding"Contingent"Rights"will"be"subject"to"the"rights"described"in"the"Amended" Contingent"Rights"Agreements.

(3) Subject"to"the"Amended"Contingent"Rights"Agreements"being"entered"into"by"all"parties"thereto,"certain"resolutions"being" passed"at"the"AGM"and"at"a"meeting"of"Class"B"shareholders"and"the"adoption"of"new"articles"of"association.

Appendix\$2\$–\$Definitions

CFO Forum"means"the"European"Insurance"CFO"Forum.

Class\$B\$Shares"means"the"Class"B"ordinary"shares"of"€0.0001"each"in"the"Company.

Class\$B\$Warrants\$means"warrants"in"respect"of"Class"B"Shares.

Contingent\$Rights means,"prior"to"the"Premium"Listing,"the"right,"under"the"Contingent" Consideration"Agreement,"the"Contingent"Fee"Agreement"or"the"Contingent"Subscription" Agreement,"to"receive"Ordinary"Shares"(subject"to"certain"adjustments)"on"satisfaction"of" specified"criteria"and,"upon"the"Premium"Listing,"the"right,"under"the"Amended"Contingent" Rights"Agreements,"to"receive"Ordinary"Shares"(subject"to"certain"adjustments)"on" satisfaction"of"specified"criteria.

Founders\$means"Berggruen"Holdings"II"Ltd,"and"Marlin"Equities"IV,"LLC"and"the"Company's" initial"independent"directors.

Insider\$Warrant\$Exchange\$Invitation\$means"the"invitation"made"by"the"Company"to"the" Founders"by"which"the"Founders"could"offer"their"warrants"to"the"Company"in"exchange"for" Class"B"Shares.

Listing\$Rules"means"the"Listing"Rules"of"the"Financial"Services"Authority.

MCEV"means"Market"Consistent"Embedded"Value.

Ordinary\$Shares"means"ordinary"shares"of"€0.0001"each"in"the"Company.

Ordinary\$Warrants\$means"warrants"in"respect"of"Ordinary"Shares.

Premium\$Listing"means"the"transfer"of"the"Ordinary"Shares"to"a"premium"listing"on"the" London"Stock"Exchange"under"Chapter"6"of"the"Listing"Rules.

Prospectus\$means"the"document"published"by"the"Company"in"relation"to"the"Premium" Listing"and"the"Admission.""The"Prospectus"will"be"published"on"the"Company's"website" (www.thephoenixgroup.com).

Public\$Warrant\$Exchange\$Invitation"means"the"invitation"made"by"the"Company"to"certain" eligible"holders"of"warrants"to"offer"their"warrants"to"the"Company"in"exchange"for"new" ordinary"shares.

Shareholder\$Circulars"refers"to"the"Notice"of"Annual"General"Meeting"and"the"Notice"of" Meeting"of"Class"B"Shareholders.

TDR\$Capital"means"TDR"Capital"Nominees"Limited"and"its"various"related"entities,"or"as"the" context"requires,"various"investment"funds"whose"investment"in"the"Company"are"managed" by"TDR"Capital"LLP.

Disclaimer\$

This"document"is"an"advertisement"and"not"a"prospectus"or"prospectus"equivalent"document" and"investors"or"potential"investors"should"not"subscribe"for"or"otherwise"acquire"any" securities"referred"to"in"this"document"except"on"the"basis"of"the"information"in"the" prospectus"to"be"made"generally"available"by"the"Company"in"the"course"of"today"in" connection"with"the"admission"of"the"securities"of"the"Company"to"primary"listing"on"the" Official"List"of"the"Financial"Services"Authority,"to"trading"on"London"Stock"Exchange"plc's" main"market"for"listed"securities"and"to"trading"on"Euronext"Amsterdam"by"NYSE"Euronext." Copies"of"the"prospectus"will"be"available"on"the"Company's"website" (www.thephoenixgroup.com).""This"document"(and"the"information"contained"herein)"does" not"contain"or"constitute"an"offer"of"securities"for"sale,"or"solicitation"of"an"offer"to"purchase" securities,"and"is"not"an"invitation"to"purchase,"sell"or"otherwise"engage"in"investment" activity"in"relation"to"securities"in"the"United"States,"Australia,"Canada,"Japan"or"South"Africa" or"any"other"jurisdiction"in"which"such"distribution"or"offer"is"unlawful."The"securities" referred"to"herein"have"not"been"and"will"not"be"registered"under"the"Securities"Act,"or" under"the"securities"laws"of"any"state"or"other"jurisdiction"of"the"United"States,"and"the" securities"if"and"when"issued,"will"not"qualify"for"distribution"under"any"of"the"relevant" securities"laws"of"Australia,"Canada,"Japan"or"South"Africa."The"Company"has"not"been"and" will"not"be"registered"under"the"U.S."Investment"Company"Act"of"1940,"as"amended"(the" "Investment"Company"Act"),"in"reliance"on"section"3(c)(7)"thereof,"and"investors"will"not"be" entitled"to"the"benefits"of"the"Investment"Company"Act."The"securities"of"the"Company"may" not"be"offered"or"sold"in"the"United"States"absent"registration"under"the"Securities"Act"or" pursuant"to"an"exemption"from,"or"in"a"transaction"not"subject"to,"the"registration" requirements"of"the"Securities"Act"and"may"not"be"held"by"persons"whose"holding"of" securities"might"require"registration"of"the"Company"as"an"investment"company"under"the" Investment"Company"Act." Subject"to"certain"exceptions,"the"securities"of"the"Company"may" not,"directly"or"indirectly,"be"offered"or"sold"within"Australia,"Canada,"Japan"or"South"Africa" or"to"or"for"the"account"or"benefit"of"any"national"resident"and"citizen"of"Australia,"Canada," Japan"or"South"Africa."Any"failure"to"comply"with"these"restrictions"may"constitute"a" violation"of"U.S.,"Australian,"Canadian,"Japanese"or"South"African"securities"laws."No"public" offer"of"securities"in"the"Company"is"being"or"will"be"made"in"the"United"States,"Australia," Canada,"Japan"or"South"Africa"or"elsewhere.""Certain"information,"statements,"beliefs"and" opinions"in"this"document"are"forward"looking,"which"reflect"the"Company's"or,"as" appropriate,"the"Company's"directors'"current"expectations"and"projections"about"future" events."By"their"nature,"forward"looking"statements"involve"a"number"of"risks,"uncertainties" and"assumptions"that"could"cause"actual"results"or"events"to"differ"materially"from"those" expressed"or"implied"by"the"forward"looking"statements."These"risks,"uncertainties"and" assumptions"could"adversely"affect"the"outcome"and"financial"effects"of"the"plans"and"events" described"herein."Statements"contained"in"this"document"regarding"past"trends"or"activities" should"not"be"taken"as"a"representation"that"such"trends"or"activities"will"continue"in"the" future."The"Company"does"not"undertake"any"obligation"to"update"or"revise"any"forwardc looking"statements,"whether"as"a"result"of"new"information,"future"events"or"otherwise."You" should"not"place"undue"reliance"on"forwardclooking"statements,"which"speak"only"as"of"the" date"of"this"document."No"statements"made"herein"regarding"targets"or"expectations"of" future"profits,"cash"flows"or"dividend"cover"are"profit"forecasts,"and"no"statements"made" herein"should"be"interpreted"to"mean"that"the"Company's"profits,"cash"flows"or"earnings"per" share"for"any"future"period"will"necessarily"match"or"exceed"the"historical"published"profits" or"earnings"per"share"of"the"Company"or"any"other"level.

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