France: Aviva Puissance 2: a special offer available to diversified life insurance contracts

Aviva launches an offer through all its distribution networks which, between 1 September and 31 October 2003, allows its customers to invest their contributions to diversified life insurance contracts, at the following rates:

• 50% maximum in Victoire September 2004 (Aviva Vie range) or Horizon September 2004 (Aviva Courtage range) offering a net annual rate* of 5% until 31 August 2004, which combines security and performance;
• 50% minimum in one or more of the mutual funds eligible for the Aviva Puissance 2 offer, selected from the range of products managed by Aviva Gestion d’Acitfs. Since 2002, Aviva Gestion d’Actifs has received 20 awards from the business and financial press for the quality of its management. According to its customer profile, a wide choice of quality products offers the opportunity to boost the performance of savings.

Zoom in on the key features of Aviva Power 2: a flexible offer, 100% AVIVA!

1. Aviva Puissance 2 combines investment guaranteed at the net annual rate of 5%* and the excellence of the Aviva Gestion d’Actifs mutual funds which are eligible for this offer. The apportionment of savings can vary depending on each customer’s investment strategy: this flexibility is a major advantage. On 31 August 2004, the sums still held in the guaranteed investment product (Victoire September 2004 or Horizon September 2004) will be automatically switched to the Prudent Profile (4 S§P stars for the Prudent Profile from the Aviva Vie range and 5 stars for that of the Aviva Courtage range) of each life insurance contract, free of charge.
2. Free switching to other products Until 26 August 2004, customers may switch, free of charge, from guaranteed investment to the other products for which the contract is eligible, with the exception of products in euros, which still incur a switching charge.

What life insurance contracts are eligible for this operation?
Within the fiscal context of life insurance, this offer is open to contributions to diversified life insurance contracts from the Aviva Vie and Aviva Courtage ranges: Sélectivaleurs, Sélectivaleurs Croissance, Norwich Libre Choix 2 and Norwich Libre Option 2.

Why offer this option?

1. To enable customers to benefit from the exceptional quality of Aviva Gestion d’Actifs’s management.
2. To remind customers that bull and bear markets are inevitable. The long-term investor must not be afraid of bear markets; in fact, these are the markets that offer the best opportunities, and it is precisely this context that favours such opportunities. The Aviva Puissance 2 offer is designed to gently lead customers towards stock markets while securing part of their savings.
3. To offer a customised package in line with the customer’s investment strategy, thanks to marketing tools for simple and effective scoring.

Zoom in on Aviva Gestion d’Actifs

• Assets worth 44 billion euros managed at 31/12/02
• Since 2002, of the 20 prizes awarded by the business and financial press, 12 were for the overall range managed by Aviva Gestion d‘Actifs and the remainder were for specific mutual funds rated 1st, 2nd or 3rd in their category.
• Impressive performance for all the mutual funds in the range: of 27 mutual funds available to Aviva’s life insurance contracts, 22 rank in the 1st Quartile for their performance over 3 years, to 03/09/03.

* Exclusive of deductions for tax and social contributions. Rate applicable to net amounts invested. The net annual rate of 5% is guaranteed from 1 September 2003 to 31 August 2004 pro rata throughout the period of investment in this product. On 31 August 2004, any amounts still invested in Victoire September 2004 (Aviva Vie) or Horizon September 2004 (Aviva Courtage) will be automatically switched to Victoire Profil Prudent (Aviva Vie) or Victoire Sérénité (Aviva Courtage), free of charge.

Press contact:
Genevičve Marc-Portheault
tel: 0044 155505750
e-mail: genevieve_marc-portheault@aviva.fr