EFTA00622277.txt

"This document has been prepared by Cagera LLP ("Cagera" or "The Firm')"

"SAM Lusty Founder & CEO... Cagera LLP"

"GBP 2-3.5 mn is being raised in Cagera to build and launch Byhiras, this round of financing closes end of January 2011"

"Byhiras has developed a close working relationship with E&Y who are introducing Byhiras to their life and pensions clients"

"The Financial Services Authority has fined Standard Life £2.45m for "serious systems and controls failings""

"Margaret Cole, the FSA's director of enforcement and financial crime at the FSA"

"Standard Life later paid a total of £102.7m into the fund to restore the value of investors' holdings"

"misleading marketing material for its Pension Sterling Fund"

"Cagera LLP 23 Austin Friars London EC2N 2QP"