ALLIANCE TRUST FINANCE LTD

The skills, knowledge and capabilities of our people are absolutely central to the success of Alliance Trust – so it should come as no surprise that we invest a great deal of time and energy in the ongoing development of our employees. Our progressive and proactive approach to continuous learning is designed to help our employees gain industry recognised qualifications, and to help them reach their own personal goals and mostly their official demands. Corporate responsibility is embedded in our approach and has been an integral part of the Alliance Trust for many years. This has qurantee our capacity and ability to meet our customers demands and provide satisfactory services.

Our assets are invested worldwide and across a range of sectors and asset classes to achieve diversification and manage risk. As well as quoted equities, the company also invests in other assets such as private equity, direct property and in its subsidiary companies.

Our principal subsidiaries are in asset management and financial services. The asset management business manages assets for other companies and funds for institutional and private investors.

Alliance Trust Savings, a wholly-owned subsidiary, which is also an authorised bank, offers investment dealing and pensions to individual investors and their advisers through its enhanced wrap platform. Alliance Trust Savings provides sharedealing, investment wrapper accounts such as ISAs, a full range of Self-Invested Personal Pensions, and accounts for investing for children such as First Steps and its Children’s SIPP.

Our services:
Alliance Trust Funds and Loans:  Our new loan package has been embraced and apprasied my motivated customers and investors worldwide. This is because it is no longer restricted to only UK residence but a worldwide operation. We operate Long and Short term Loan under clear and understandable conditions. We give our loans at a subsidized low interest rate to Individuals, Firms, Companies, Small Business Enterprises, Cooperate Societies and Institutions, Organisation and the likes that are serious minded and with total ability to operate, service and repay the loans without any deffect of the stated and stipulated terms, lwas, rules and regulations of Loan. Also, Loans are expected and progarmmed to be accessible and obtainable without difficulty to eligible and qualified customers without much prerogative colletateral demand. With our Loan and Financing programm you can pay off your bills,  Personal and Business Loans, Establish new Businesses, Re-establishing old businesses, Investing in bigger firms and companies, for  poverty alleviation, buying shares from local and international business corporations,etc.
Our low Interest rate attract customers and also facilitate their ability to pay back the loan without hindrerance in no longer time other than specified on loan terms. Our loans are easily to reach but eaiser to pay because we alsways ecourage you to a long or short term package advantages.

Alliance Trust Saving
Under this program, We provide investment administration and dealing services, allowing you to deal and manage your investments online, by telephone or by post.Did you know that you can now subscribe up to £10,200 into a Stocks and Shares ISA or up to £5,100 into a Cash ISA? We have partnered with Alliance Trust Asset Management and are offering our customers free online purchases on their funds between 5th March and 7th June  2010. You can manage your investment online with access to

Investment Dealing Account: Our Investment Dealing Account is a flexible self select account in which you can hold and deal in a wide range of investments in one place Whatever you are investing for, you have the flexibility to develop your investment portfolio to suit your individual requirements, while benefiting from our wide investment choice and fixed flat rate charging structure.
Key benefits at a glance:
                         • Fixed flat rate online dealing charge of £12.50 per deal
                            regardless of size of deal
                         • No annual Account or inactivity fees 
                         • Invest in around 4,000 investments
                         • Access to Fund Supermarket including 100%
                            commission rebates
                         • Real time online and telephone dealing
                         • A single view of all your investments
                         • A consolidated quarterly statement and valuation 

Who can apply for an Investment Dealing Account?
You can open an Investment Dealing Account if you are 18 and over. Accounts may be opened in your own name, jointly and by charities, clubs, companies.

Stocks and Shares ISA: Our award winning Stocks & Shares ISA gives you the flexibility to invest in cash, your choice of stocks and shares, or a combination of both, with all the tax advantages of an ISA, and no annual administration charge.
How much can I subscribe?
The amount you can subscribe to an ISA has increased from £7,200 to £10,200, with effect from 6 April 2010 you may subscribe the full £10,200 to a Stocks and Shares ISA, or up to £5,100 in a Cash ISA with the balance in a Stocks and Shares ISA.

Make the most of your tax-efficient savings
Remember, ISAs allow your investments to grow free from capital gains tax and there is no additional tax to pay on income. 

Have all your ISAs under one roof
If you hold ISAs with other managers you can transfer them to Alliance Trust Savings and see all your ISA investments together in one place. You can also now transfer Cash ISAs into Stocks and Shares ISAs meaning you can diversify your assets and benefit from potentially higher returns offered by stocks and shares over the medium to long term. 

Select SIPP: Our Select SIPP gives you choice and control over your retirement planning, allowing you to invest in a wide range of investments with all the tax benefits of a personal pension. A Child SIPP offers all the flexibility and tax relief of a Select SIPP, to help you save for the benefit of a child
A Child SIPP allows you to create a pension for a child, which can be financed from gifts from parents, grandparents or any other family member or friend with an interest in the child's future. The Alliance Trust Savings Full SIPP is an extremely flexible self-invested personal pension which allows investment in all areas permitted by HM Revenue & Customs, from equities to commercial property

Fund Supermarket: Top Managers, Top Funds, Best Value!
With the Alliance Trust Savings Fund Supermarket you can buy and sell funds from a wide range of fund management groups online, by telephone or by post
We offer some of the best terms of any Fund Supermarket and we are continuously increasing our fund range to bring you a wider selection of investments on our easy-to-use platform
Discounted initial charges.
We have negotiated fully discounted initial charges on most funds available through our Fund Supermarket making your total initial subscription price lower in many cases. This could give you a significant saving. For example, as illustrated in the table below, a 5% discount on a standard initial charge of 5% would save you £510 if you invested the full amount of you annual £10,200* ISA subscription in funds.

Standard Fund Manager Initial charge	Discount for funds bought on our Fund Supermarket	Net Initial Charge for Alliance Trust Savings Fund Supermarket	Saving on £10,200* investment
5%	0%	5%	£nil
5%	1%	4%	£102
5%	2%	3%	£204
5%	3%	2%	£306
5%	4%	1%	£408
5%	5%	0%	£510

* ISA investors who will be aged 50 or over on 5 April 2010


Money Back
We also pay back to you all the commission we receive from the fund management groups whose funds you invest in and hold on our platform. No other fund supermarket in the UK currently does this.
Rebate amounts will vary from fund to fund, and over time can add up to a substantial amount. The amount of rebate payable on each fund can be found in the List of Funds. The table below shows some examples of the potential value of rebates based on a number of illustrative portfolio values and rebate rates.

Portfolio Value	Annual Rebate*
	0.25%	0.50%
£20,000	£50	£100
£40,000	£100	£200
£60,000	£150	£300
£80,000	£200	£400
£100,000	£250	£500

*For illustration purposes only. The amount of any rebate received will vary with any fluctuations in the value of funds held, the rate of rebates applied to the funds you hold and the calculation methodology used by individual fund managers.

Payment of rebates
Rebate payments for funds you have invested in will be made into your Account after we receive them from the fund manager.
Your rebate payments will always be made into an Account that you hold with us in your own name.
However, rebate payments may be made to different Account destinations, depending on the type of Account in which your funds are invested.
Payments may be made to us at different intervals, depending on the fund manager involved – monthly, quarterly, six monthly, or annually
Using your accumulated rebates
How you use your accumulated rebates is up to you. Other than in the Select SIPP, you are also free to withdraw them if you choose. You may even transfer them into other Accounts you hold with us, but if you do this, transfers into your ISA or SIPP will be counted as a subscription or contribution.
If you have an independent financial adviser, you may decide to use your accumulated rebates to pay your adviser for the investment advice you have received. This means that you can assume total control over how you pay for your advice, and how much you pay.

Shareholder Benefits: Benefit from being an Alliance Trust Finance Shareholder
If you are an Alliance Trust Finance shareholder through us you can benefit from reduced real time online and telephone dealing charges in all investments we currently offer through Alliance Trust Savings
How can I benefit?
If you are an Alliance Trust Finance shareholder, and you hold your shares through Accounts with Alliance Trust Savings, you will be eligible to benefit from discounted online and telephone dealing charges in all investments that we currently offer. This will include dealing in Alliance Trust Finance shares or any other type of investment. If you qualify, the discounts we offer could significantly reduce the dealing fees you pay for online and real time telephone dealing with us.
What are the levels of discount available?
Different levels of discount will apply to different levels of shareholding. Using our current dealing charges, the table below illustrates the discounts you could enjoy.

Alliance Trust PLC shareholding	Discount	Online dealing charge †	Real time telephone dealing charge
Less than 1,000 shares	0%	£12.50	£20
1,000 – 4,999 shares	10%	£11.25	£18
5,000 – 9,999 shares	25%	£9.38	£15
10,000 shares or more	50%	£6.25	£10

† No discounts apply to conditional orders placed online

If you hold 10,000 or more Alliance Trust Finance shares you will benefit from the maximum 50% rate of discount. You will be able to deal in shares and funds online or over the telephone for as little as £6.25 per trade - representing one of the cheapest dealing rates in the UK.

Increasing the discount you are eligible for
Shareholder benefits are determined by the amount of Alliance Trust Finance shares you hold across all of your Alliance Trust Savings accounts. The more shares you hold the greater your potential benefits.
First Steps Account
All First Steps Accounts are eligible for discounted online and telephone dealing charges described above. In addition, a First Steps Account may be linked to another account with us which is held by an adult client. In these cases, the First Steps Account may also be eligible for certain rebates where all of the following conditions have been met as at the end of each UK tax year:

•	The First Steps Account is linked to the Account of an adult with a relationship to the child, and the investments held in the adult's Account have an aggregate value of at least £10,000
•	The First Steps Account is open
•	The linked adult Account is open
•	The child is still under 18 years of age

 Discounted annual administration charge

How can I benefit?
If you have a Select SIPP or Child SIPP through which you only hold Alliance Trust Finance shares you can benefit from a 100% discount on the annual administration charge applicable to these Accounts.

Account Access: Many ways to access and manage your Account
We offer you many options and a degree of flexibility in how you can manage your Accounts, allowing you to make the most of your investments.

Key benefits at a glance:
Online and Telephone

•	Place orders for buying and selling investments
•	Execute share trades on a real time basis during market hours
•	Make additional payments into your Account by debit card
•	Get real time quotes for investments during market hours
•	Confirm orders for funds
•	Access transaction and valuation information
•	Transfer money within your Account to pay for the orders you place
•	Download or request literature required for the operation of your Account
•	Keep us informed of any changes to your personal details

By Post

•	Place written instructions to deal and administer your Account
•	Keep us informed of any changes to your personal details