ILP March 2015

INVESTMENTS Income Allocation rates A on an

% for ages 70-75. Facility: Yes < £15K - 100%

A on an

Paid: Yly, ½ yly, < £25K - 101.5% 4 mly, qly, mly < £50K - 101.75% < £100K - 102%

£100K+ - 102.5% †

tes shown are for ages 69 and under. Minus 1% for ages 70 - 74, minus 2% for age 75. Facility: Yes

100%

ross ges)

4.2014 plied

Paid: Yly, ½ yly, qly, mly

Facility: Yes < £15K - 95.75% Paid: Yly, ½ yly, < £100K - 96.75% 4 mly, qly, mly

£100K+ - 97% †

Projected cash value of £10K assuming growth rate 4.5%

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

£9,920

£10,200 £10,600 £11,000 £11,400

10 yrs £13,600

£9,460 £9,940

£10,400 £10,900 £11,500

10 yrs £13,500

£9,510 £9,920

£10,300 £10,800 £11,200

10 yrs £13,300

PAST PERFORMANCE OF £10K at 1.2.2015 own charges deducted

FUND VALUE

£9,810

£10,058 £10,308 £10,572 £10,839 £12,081

£10,246 £10,504 £10,766 £11,041 £11,320 £12,624

£10,172 £10,298 £10,442 £10,625 £10,787 £12,125

TERMINAL FUND VALUE MVR EARLY SURRENDER BONUS + TB

£301 £920

£1,682 £1,686 £2,951 £4,540

£236 £800 £972

£1,383 £2,551 £3,444

£772

£2,371 £2,519 £3,170 £5,123 £8,702

£10,111 £10,978 £11,991 £12,259 £13,791 £16,621

£10,482 £11,305 £11,738 £12,424 £13,871 £16,069

£10,944 £12,670 £12,961 £13,796 £15,910 £20,828

Nil Nil Nil Nil Nil Nil

Nil Nil Nil Nil Nil Nil

Nil Nil Nil Nil Nil Nil

E/MENT VALUE Nil

Nil Nil Nil Nil Nil

£838 £678 £469 £248 Nil Nil

£437 £380 £259 £137 Nil Nil

£10,111 £10,978 £11,991 £12,259 £13,791 £16,621

£9,643

£10,626 £11,268 £12,176 £13,871 £16,069

£10,506 £12,290 £12,702 £13,658 £15,910 £20,828

INVESTMENTS e : Yes atural income, Yly, ½ yly, qly, Allocation rates 100%

Projected cash value of £25K assuming growth rate 4.5%

Fund value 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs : Yes

atural income,½ yly, qly, mly, rcentage of initial investment nt fund value: yly, ½ yly, termly,

y : Yes

ebruary & August, or monthly 18th

100% 100% 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs : Yes

ebruary & August, quarterly or y on the 16th

100% 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs : Yes ayments set in March and mber and paid on 15th of each 100% 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs

£25,900 £26,800 £27,800 £28,800 £29,800 £35,600

£25,900 £26,900 £27,900 £28,900 £30,000 £36,100

£24,800 £25,900 £27,000 £28,100 £29,300 £34,500

£25,600 £26,500 £27,300 £28,200 £29,200 £34,300

£26,000 £26,900 £28,000 £29,000 £30,500 £36,900

Reduction in yield 1.0%

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs Note: Based on nil commission option 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs 1 yr

2 yrs 3 yrs 4 yrs 5 yrs

10 yrs

4.6% 2.2% 1.4% 1.0% 0.7% 0.7%

Note: Projected figures based on assumed growth rate of 4%

1.3% 1.0% 0.9% 0.9% 0.8% 0.8%

Note: Projected figures based on assumed growth rate of 4%

N/A N/A N/A N/A N/A

0.3% at the start of the plan or on the 10 year anniversary. Allocation rates: Reduced by 1% for investors aged 71nb to 75nb and by 2% for investors aged 76nb to 80nb. 1 yr £26,437

2 yrs £28,208 3 yrs £29,603 4 yrs £31,057 5 yrs £33,913 10 yrs £41,765

1 yr 2 yrs

£27,323 £28,878

3 yrs £29,603 4 yrs £31,057 5 yrs £33,913 10 yrs £41,765

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

1 yr

2 yrs 3 yrs 4 yrs 5 yrs

£27,460 £29,023 £30,759 £31,653 £33,913

10 yrs £41,765

Note: Past performance figures are for a previous version of the same bond.

£27,323 £28,878 £30,759 £31,653 £33,913

10 yrs £41,765

Note: Past performance figures are for a previous version of the same bond.

Not available

1.0% 1.0% 1.0% 1.0% 1.0%

N/A N/A

0.7% N/A

0.7% N/A

Not available

1 yr 2 yr 3 yr 4 yr 5 yr

Surrender value

at 1.2.2015 own charges deducted Fund value

Past Performance of £25K

£27,342 £28,957 £31,160 £31,310 £34,397

10 yr £40,221

1 yr 2 yr 3 yr 4 yr 5 yr

10 yr

£27,342 £28,957 £29,680 £30,370 £34,397 £40,221

Past performance figures from year 3 are for a previous bond

March 2015

107

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