RNS Number:0951Q
TEP Exchange Group PLC
24 September 2003


                                 Embargoed - not to be released until 7.00a.m on
                                                             24th September 2003


                             TEP EXCHANGE GROUP PLC
                                ("the Company")


         Interim Results for the six month period ended 30th June, 2003



Chairman's Statement


I am pleased to report the unaudited results for the six month period ended 30th
June 2003. The loss on ordinary activities after tax was #334,000 compared to a
loss of #83,000 in the first six months of last year. Turnover for the period
totalled #23,000 (2002: #422,000) resulting in an operating loss of #331,000
compared to a loss of #268,000 in the same period last year.


Whilst there has been a steady flow of new IFAs registering with the Company and
additional TEP buying interest from various companies looking to bid for
policies directly via the exchange, the general uncertainty in the traded
endowment policy market continued in the first six months of 2003. Your
directors are currently reviewing the business model given the sustained change
in market conditions and are continuing efforts to broaden both the group's
product and client base.


The implementation, in January 2003, of the outsourcing of operational
management to Surrenda-link Limited has reduced significantly the Company's cost
structure and, since payment is in the form of equity, improved its cash flow.
The loss before charging non cash items of #238,000 is #96,000 which is
considerably less than the declared loss.


Your Directors and management continue to focus their efforts on financial
viability and in the creation of shareholder value during this period of
significant change in market conditions.


Your directors are not proposing an interim dividend.



George Kynoch
Chairman


24th September, 2003


Consolidated Profit and Loss Account
for the six months ended 30th June, 2003

                               Six months         Six months              Year
                                    ended              ended             ended
                                30th June          30th June     31st December 
                                     2003               2002              2002
                              (Unaudited)        (Unaudited)         (Audited)
                                    #'000              #'000             #'000

Turnover                               23                422               909

Cost of sales                           -               (261)             (649)
                                 --------           --------          --------

Gross profit                           23                161               260

Administrative expenses              (514)              (480)           (1,048)
Other operating income                160                 51               119
                                 --------           --------          --------
Operating loss                       (331)              (268)             (669)

Interest receivable                     -                  2                 3
Interest payable                       (3)                 -               (33)
                                 --------           --------          --------
Loss on ordinary activities          (334)              (266)             (699)
Before taxation

Taxation                                -                183               183
                                 --------           --------          --------

Loss on ordinary activities          (334)               (83)             (516)
after taxation
                                 ========           ========          ========

Loss per share                      (0.24p)            (0.07p)           (0.45p)
                                 ========           ========          ========





Consolidated Balance Sheet
as at 30th June 2003
                                       Six months     Six months          Year
                                            ended          ended         ended
                                        30th June      30th June 31st December
                                             2003           2002          2002
                                      (Unaudited)    (Unaudited)     (Audited)
                                            #'000          #'000         #'000

Fixed assets

Tangible assets                                27             92            59
                                         --------       --------      --------

Current assets

Stock                                           3            128            13

Debtors and prepayments                       140            316           164

Cash at bank and in hand                        1            196            19
                                         --------       --------      --------

                                              144            640           196

Creditors:

amounts falling due within one year          (597)          (673)         (629)
                                         --------       --------      --------

Net current liabilities                      (453)           (33)         (433)





Net (Liabilities)/Assets                     (426)            59          (374)
                                         ========       ========      ========

Capital and reserves

Called up share capital                     1,438          1,156         1,156

Share premium                               3,667          3,667         3,667

Profit and loss account                    (5,531)        (4,764)       (5,197)
                                         --------       --------      --------

                                             (426)            59          (374)
                                         ========       ========      ========




Notes to the Interim Results


1.   Basis of preparation

The Interim accounts for the six months ended 30th June, 2003, are unaudited and
do not constitute statutory accounts in accordance with section 240 of the
Companies Act 1985. The interim accounts have been prepared in accordance with
accounting policies consistent with the financial statements for the year ended
31st December, 2002.


Copies of the Interim Results will be sent to Shareholders shortly and will be
available to members of the public from the Company's registered office, 1/2
Grosvenor Court, Foregate Street, Chester CH1 1HG. Full accounts for the year
ended 31st December, 2002, on which the auditors gave an unqualified report and
contained no statement under Section 237 (2) or (3) of the Companies Act 1985,
have been delivered to the Registrar of Companies.


2.     Dividends

No dividend is proposed for the six months ended 30th June, 2003.


3.   Loss per Share

The loss per share has been calculated by dividing the loss after taxation for
the period of #334,000 (2002: #83,000) by the weighted average number of
ordinary shares of 140,003,082 (2002:115,625,000) in issue during the period.



Further Enquiries:

TEP Exchange Group PLC                                   Tel: 020 8365 4666
Paul Sands/Ami Weitz

John East & Partners Limited                             Tel: 020 7628 2200
John East/Simon Clements








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