Standard Life will be required to deal with several parties in relation to a property investment. We have
chosen to work with dedicated business partners who we believe enhance our dealings in property for
the following reasons:

• Dedicated resources aligned to Standard Life ensure that a team of experts is on hand who
  understand our products.
• Efficient processes and procedures have been designed, with agreed turnarounds, standard
  documentation, administrative and accounting systems. These will ensure that both you and
  your financial adviser should benefit from quicker and smoother transactions.
  
• Competitive pricing has been agreed up front.
  
• All our business partners share our customer service principles.

We may appoint other business partners in the future to protect the property or to comply with legislation.
All costs will be deducted from your policy's cash account.

Tax rules and legislation

Tax rules and legislation may change. The information we have given is based on our understanding of law and Revenue practice when we published this document.

Standard Life, in our capacity as owner, reserves the right to appoint any business partner at any time. Any costs will be deducted from your policy's bank account where we deem it necessary to protect the property or to comply with legislation.