PRINCIPAL RISKS AND UNCERTAINTIES.


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RISK

WHAT WE ARE DOING

US MORTALITY AND LAPSES

US mortality experience impacts returns and we manage these risks through extensive, expert underwriting at the point of sale.

We have strong underwriting capabilities, appropriate re-insurance strategies and high levels of customer service to increase customer retention.

EUROPEAN AUSTERITY

The crisis within the eurozone is likely to drive a sustained period of austerity across mainland Europe and subdue European investment markets, changing the attitude of consumers to long-term savings.

We are actively managing our businesses in France and the Netherlands to minimise adverse impacts of the evolving eurozone crisis, developing our portfolio of products for the changing markets.

POLITICAL RISKS

2011 saw dramatic changes in the North African political landscape, providing both uncertainty and opportunities to our Middle Eastern and North African businesses.

We supported our local management and staff throughout this difficult period and continued to build our international operations with due regard to political developments.

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