Charging Structure

With Freeway you do not pay:

Brokers and salespersons commissions
Entry Charges
Transaction charges on lump sums
Transaction charges on regular premiums
Exit Charges
Encashment penalties
Fund manager fees for actively managed funds
Bid / Offer spread

Fund Name	Years 1-15 Inclusive	Year 16 Onwards
Euro Freeway	1.0%	0.5%
Celtic Freeway	1.0%	0.5%
Euro Bond Freeway	1.0%	0.5%
Cash Freeway	1.0%	0.5%

UK Freeway	1.2%	0.7%
US Freeway	1.2%	0.7%
Technology Freeway	1.2%	0.7%
Biotech Freeway	1.2%	0.7%

Japan Freeway	1.5%	1.0%
China Freeway	1.5%	1.0%
Latin America Freeway	1.5%	1.0%
Emerging Markets Freeway	1.5%	1.0%
Clean Energy Freeway	1.5%	1.0%

Minimum Premiums

For regular monthly premiums	€	50
For a lump sum investment	€	1,250
Minimum ARF/AMRF premium	€	15,000

Other Information

Valuing your Unit Linked Investment

The value of your investment will always be available instantly over the phone or on the Internet. The value of your investment is the number of units multiplied by the unit price. The unit price you will get is the one that applies at the time you request (and qualify for) a withdrawal of your investment.

The money that you pay into your investment is used to buy units in your chosen fund(s). At QUINN-life we do not have a Bid/Offer Spread. We have one price that applies when units are bought and sold. The number of units you own are held in your own investment fund.

Tax Deduction for Pension Contributions

Tax Reliefs
Age	% of Earnings
Up to 30	15%
30-39	20%
40-49	25%
50-54	30%
55-59	35%
60 & over	40%

There is also a maximum limit of net relevant earnings that can be used in order to claim tax relief on personal pension contributions (€150,000 for 2009).

Additional Contributions

Additional premiums can be paid in to top up your account at anytime. To benefit from tax relief, your contributions should be within Revenue limits.

Switches

You can switch units in one fund for units in another fund ten times in any one year. If you would like to make any additional switches, there is a charge of €25.00 per switch.