INPOCKET^®

We have been overwhelmed by the positive reaction to our new animated financial education series starring the fiscally challenged character of Wee Willy. Designed to drive home key learning objectives in the area of financial planning, this series shows how a creative approach to communication can make a big impact.

Watch the first episode "A Financial Life Unplanned".

We are pleased to welcome leading employee benefits consultancy Bluefin to our growing list of financial education partners. Experts in the area of occupational pensions, Bluefin are supporting the development of the latest Spectrum episode: "Pensions and Me". This interactive module allows people at all stages of life to quickly find personalised, relevant, and action-oriented guidance on making the most of their employer’s pension scheme.

Named "Best Corporate Adviser" at the Money Marketing Financial Services Awards 2010 and "Firm of the Year" at the Corporate Adviser Awards 2009, Bluefin will help ensure IN POCKET subscribers continue to receive the best financial education available in the UK workplace.

Once again, we would like to congratulate Henderson Global Investors on yet another award nomination! Henderson has been shortlisted for the Employee Benefit Awards 2010. For more information on the awards, click here. Fingers crossed for June!

We are pleased to welcome personal finance journalist and broadcaster Sarah Pennells to the IN POCKET family. Sarah Pennells is the founder and editor of SavvyWoman.co.uk, a money website for women, and regularly appears on BBC Breakfast, Working Lunch and the BBC News Channel. Before launching SavvyWoman, Sarah worked as a freelance personal finance reporter and covered consumer and finance stories for BBC1 Saturday Breakfast. She has also written three books on money and relationships, green and ethical money and divorce and finance.

Sarah will be presenting a new IN POCKET series that helps both women and men navigate the tricky world of personal finance by understanding how they can make better decisions. Topics covered will include pensions, investing, employee benefits, and decision making guidance.

Research shows that poor employee financial literacy costs employers dearly. Whether it be through increased productivity, enhanced value of employee benefits, or reduced operational risk, the US-based Personal Finance Employee Education Foundation helps companies put a clear cost against a financially illiterate workforce. Typical return on investment on financial education can be as high as 300%. Find out how your company might benefit from financial education by using the PFEEF ROI calculator - click here.

Copperfield would like to congratulate IN POCKET pioneers Henderson Global Investors on winning the ifs ProShare award for Best Financial Education Programme for Employees.

According to ifs ProShare, the judges had no hesitation in awarding Henderson Global Investors winners for the second year running. "The sheer breadth of information accessible to employees is awesome" is how one judge described this entry. A wide range of external providers are used to harness expertise in particular areas and a raft of communication methods are used. Their financial education programme is fully integrated within the organisation and continues to grow from strength to strength and sets the standard for others to follow.

Following a strategic review, Lloyds Banking Group announced that it has agreed in principle to sell HBOS Employee Equity Solutions (EES) to Computershare. The sale is expected to complete by the end of the year subject to regulatory approval.

Richard Nelson, MD of EES, said "We will be working with clients and colleagues to ensure a smooth transition to Computershare and a range of measures have been put in place to support everyone affected through the change of ownership.

We are delighted that we have secured interest in our EES business from such a large, global service provider such as Computershare. They are a well-established business with significant opportunities for growth in their chosen markets, which makes it an excellent fit for EES.

Our clients have been informed of this news and have been reassured that the high level of service they have come to expect from EES will not be affected during the transition to new ownership.

Finally, please be assured of our continued hard work and professionalism during this period of change."

We are pleased to announce that Henderson Global Investors will be rolling IN POCKET out to their workforce in Q4 2009. As acknowledged leaders in employee financial education (we've stopped counting the awards), Henderson have identified the unique role IN POCKET can play as a platform for ongoing education across a very broad range of financial topics.

Shelly Ribbons of Henderson says, "We believe that now more than ever employers should provide employees with a solid financial education programme. With the current economic climate, it is imperative that financial awareness is highlighted."

"By providing our employees with an informative and interactive education programme like IN POCKET it will be able to help their financial position. If an employee is suffering financial difficulty it could affect the output that they have in the workplace. We believe that with employees having to take ever more responsibility for their financial future, financial education has moved from being a 'nice-to-have' to an essential part of any responsible employer's offering."

We are delighted to welcome the Financial Services Authority as IN POCKET content partners for the film noir style interactive tutorial series "The FSA Case Files". Taking users on an episodic adventure in financial education, Case Files encourages learners to use FSA online tools at www.moneymadeclear.fsa.gov.uk in the context of their personal financial situation. As a multi-channel approach, we believe seminars like those offered by the FSA workplace team provide an effective complement to the ongoing educational platform provided by IN POCKET. We will continue to work with the FSA to look at further innovative ways to enhance learner experience as the need for effective financial education in the UK workforce continues to grow.

This e-publication is the result of extensive collaboration between Eurofinas, its member associations and consumer credit providers. It offers a unique overview of Financial Education initiatives launched by the consumer credit industry across Europe.

Given the current debate on responsible lending and borrowing and what it may lead to in terms of new regulation, it is particularly important that our industry as a whole be seen as being active in the field of Financial Education.

You can find the full publication here: http://www.eurofinas.org/uploads/documents/reports/E-publication_FinancialEducation.pdf

Even within the context of such an extensive review, we believe IN POCKET stands out as a unique and innovative approach to delivering effective Financial Education where employers need it most - to the workforce, whether at work or at home with the family.

We are pleased to announce that HBOS have been nominated for an ifs ProShare award in the category of Best Financial Education for their rollout of IN POCKET to the UK workforce.

Julie Richardson, Head of Employee Share Ownership at
ifs ProShare said, "ifs ProShare has been delighted with both the number of entries received for our 2009 awards and their impressive quality. Any organisation that has been shortlisted should be very proud of their achievement in getting this far because they have already beaten stiff competition to do so."

So fingers crossed for the big night!

We are pleased to welcome Credit Action, the UKs leading national money education charity, as an IN POCKET content partner. With the guidance of Credit Action debt specialists, our First Aid series now includes an interactive, self-help Debt Diagnosis module. As part of the IN POCKET Essentials, users will have this valuable tool available from day one. Help is not that far off for those who need it, but taking action as soon as possible is essential. Debt Diagnosis helps people do just that.

Click here for more information on becoming an IN POCKET content partner.

Mark Sheppard of Copperfield and Paul Stoddart of HBOS EES have been invited to speak at the ifs ProShare Employee Share Plan Conference 2009. They will be presenting a financial education case study, exploring the launch of IN POCKET within HBOS EES.

Upon launching IN POCKET Issue 01 to their own employees, HBOS EES realised an immediate 42% uptake! In the following days and weeks, strong word of mouth generated ongoing interest and HBOS saw registrations rise to over 65% of eligible employees.

HBOS will be using their own experience with this innovative financial education service to optimise the effectiveness of
IN POCKET as it is launched, promoted and supported within client organisations.

We are extremely pleased to welcome Ernst & Young as an IN POCKET content partner. With their expertise in all areas related to employee benefits, E&Y will be an invaluable partner in providing UK employees with the best possible guidance on financial matters particularity related to making the most of their employee benefits. Our first production together is a Special Report news video and includes an in-depth discussion with Sophie Black, an employee benefits specialist.

Click here for more information on becoming an IN POCKET content partner.

It has been years in the making and Copperfield are extremely proud to announce the launch of IN POCKET. Based on our previous work with clients such as Orange and Reuters, this innovative digital financial education service is now available for companies to provide as a valuable benefit to their own employees. IN POCKET is a unique solution in trying times with clear benefits for both employee and employer.

IN POCKET provides employers with a turnkey approach to improving employee financial literacy, understanding and appreciation of company benefits, and even a better appreciation of the financial aspects of their business.

Built on the new Adobe Flex platform, IN POCKET makes the most of the latest digital communication technology. Employees experience financial education in the same way they choose to consume entertainment and information online in their own time.

With a broad and ongoing curriculum of informative and engaging content, an IN POCKET subscription provides employees with learning for life - at work and at home with the family (where decisions are often made).

In turn, businesses providing their employees with effective financial education have been shown to increase productivity, reduce risk, and see greater return on their already substantial investment in employee benefits - particularly share plans and pensions schemes.

We are pleased to announce that HBOS Employee Equity Solutions will be distributing IN POCKET to companies across the UK, including to their many current share plans clients. The link between financial education and the increased understanding of, and appreciation for, employer benefits like share plans and pensions, is strong. HBOS believe that, where companies invest in such benefits already, good financial education like that provided by IN POCKET will enhance the value of this investment through increased participant understanding and appreciation.