standard life half year results 2006 27 september 2 agenda introduction sir brian stewart chairman highlights sandy crombie group chief executive financial performance alison reed finance director & pensions business update trevor matthews assurance ltd question and answers team 3 disclaimer this presentation may contain certain forward looking statements with respect to of s plans its current goals expectations relating future condition strategy objectives containing the words believes intends expects seeks anticipates similar meaning are by their nature all involve risk uncertainty because they relate events circumstances which beyond control including among other things uk domestic global economic conditions market related risks such as fluctuations in interest rates exchange markets generally policies actions regulatory authorities impact competition inflation deflation experience particular regard mortality morbidity trends lapse policy renewal timing uncertainties
