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The Group’s Solvency and Financial Condition Report (“SFCR”) for 2018 is the first Group SFCR prepared at a Quilter plc level. The SFCR provides an overview of the Group’s financial position including information on business performance, system of governance, risk profile, valuation of assets and liabilities for solvency purposes and capital management. On the 4 April 2019, the Prudential Regulation Authority granted the Group a modification and as a result the Group’s UK life insurance companies (Old Mutual Wealth Life & Pensions Limited and Old Mutual Wealth Life Assurance Limited) are no longer required to prepare solo SFCRs. Entity level information for the UK life insurance companies is included within the appendices to the Group SFCR.