Sterling Investment Bond Fund specific projection rates

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1 Sterling Investment Bond Fund specific projection rates This document lists the funds available through the Sterling Investment Bond and the fund specific projection rates used in our illustrations. Examples Where 100% of the investment is in the Sterling 7IM AAP Adventurous 2 fund, the illustration would show a mid projection rate capped at 4.5%. Where 100% of the investment is in the Henderson MultiManager Absolute Return 2 fund, the illustration would show a mid projection rate of 3.1%, as it is below the FCA s standard mid-point growth rate. In our pre-sales illustrations, we use a projection rate reflecting the growth assumption on each of the individual funds and their mix within the Plan. This resulting growth rate is then capped at the FCA s standard mid-point growth rate (currently 4.5%) if required. These fund specific projection rates are for illustration purposes only and are not guaranteed. Actual returns will depend on how the investment grows and the tax treatment of the product. 7IM AAP Adventurous IM AAP Balanced IM AAP Income IM AAP Moderately Adventurous IM AAP Moderately Cautious IM Adventurous IM Balanced IM Moderately Adventurous IM Moderately Cautious Aberdeen Asia Pacific Equity Absolute Return Bond Allianz BRIC Stars Allianz Gilt Yield Allianz RiskMaster Conservative Multi Asset Allianz RiskMaster Defensive Multi Asset Allianz RiskMaster Growth Multi Asset Allianz RiskMaster Moderate Multi Asset American

2 American Select American Smaller Companies Artemis Capital Artemis High Income Artemis Income Artemis Strategic Assets Artemis UK Growth Artemis UK Smaller Companies Artemis UK Special Situations Asia Aviva Investors Property Trust AXA Framlington Biotech AXA Framlington Global Equity Income AXA Framlington Global Technology AXA Framlington Health AXA Framlington Managed Balanced AXA Framlington UK Select Opportunities Baring Multi Asset Baring UK Growth BlackRock Balanced Growth Portfolio BlackRock Consensus BlackRock Consensus BlackRock Consensus BlackRock Consensus BlackRock Consensus BlackRock Continental European Equity Tracker BlackRock Emerging Markets Equity Tracker BlackRock Gold & General BlackRock Japan Equity Tracker BlackRock Money Market BlackRock North American Equity Tracker BlackRock Pacific Ex Japan Equity Tracker BlackRock UK Equity Tracker BlackRock UK Gilts All Stocks Tracker BlackRock UK Special Situations Defensive Defensive Equity & Bond Deposit & Treasury Deutsche Managed Sterling Dimensional Emerging Markets Core Equity Dimensional Global Short-Dated Bond Dimensional International Core Equity Dimensional UK Core Equity Dimensional UK Small Companies Distribution Emerging Market Bond Equity & Bond European European Bond European Select European Smaller Companies F&C MM Lifestyle Balanced F&C MM Lifestyle Cautious F&C MM Lifestyle Defensive F&C MM Lifestyle Growth Far East & Japan Fidelity American Fidelity Emerging Markets Fidelity European Fidelity Global Focus Fidelity Global Property Fidelity Global Special Situations Fidelity Index Emerging Markets Fidelity Index Europe ex UK

3 Fidelity Index Japan Fidelity Index Pacific ex Japan Fidelity Index UK Fidelity Index US Fidelity Index World Fidelity MoneyBuilder Income Fidelity Multi Asset Open Growth Fidelity Multi Asset Open Strategic Fidelity Multi Asset Strategic Fidelity South East Asia Fidelity Strategic Bond Fidelity UK Special Situations Fidelity WealthBuilder First State Global Listed Infrastructure Global Bond Global Equity & Bond Global Equity Global Protected Profits Global Select Henderson Cautious Managed Henderson China Opportunities Henderson Emerging Markets Opportunities Henderson European Selected Opportunities Henderson Global Care Growth Henderson Global Technology Henderson MultiManager Absolute Return Henderson Multi-Manager Income & Growth Henderson Preference & Bond Henderson Strategic Bond Henderson UK Alpha Henderson UK Property High Yield Bond Horizon Multi-Asset I Horizon Multi-Asset II Horizon Multi-Asset III Horizon Multi-Asset IV Horizon Multi-Asset V HSBC UK Growth & Income Invesco Perpetual Corporate Bond Invesco Perpetual Distribution Invesco Perpetual European Equity Invesco Perpetual Global Equity Invesco Perpetual Global Targeted Returns Invesco Perpetual High Income Invesco Perpetual Income Invesco Perpetual Japanese Smaller Companies Invesco Perpetual Managed Invesco Perpetual Monthly Income Plus Investec Asia ex Japan Investec Cautious Managed Investec Global Energy Investec Global Strategic Equity Investec UK Special Situations Japan JPM Asia JPM Emerging Europe Equity JPM Global Equity Income JPM Japan JPM Natural Resources JPM US JPM US Equity Income Jupiter China Jupiter Distribution Jupiter Ecology

4 Jupiter Emerging European Opportunities Jupiter European Jupiter European Special Situations Jupiter Financial Opportunities Jupiter High Income Jupiter Income Jupiter India Jupiter Merlin Balanced Portfolio Jupiter Merlin Growth Portfolio Jupiter Merlin Income Portfolio Jupiter UK Growth Kames Ethical Corporate Bond Kames Ethical Equity Kames Sterling Corporate Bond Kames Strategic Bond Latin America M&G Corporate Bond M&G Episode Balanced M&G Gilt & Fixed Interest Income M&G North American Dividend M&G Optimal Income M&G Property Portfolio M&G Strategic Corporate Bond Man GLG Japan CoreAlpha Managed Managed Income Martin Currie North American Monthly Extra Income Multimanager Generation 2 Protected Profits Multimanager Generation 3 Protected Profits Multimanager Protected Profits Neptune US Opportunities Newton Balanced Newton Global Income Newton Income Newton International Bond Newton Managed Newton Real Return Old Mutual Cirilium Balanced Old Mutual Cirilium Balanced Passive Old Mutual Cirilium Conservative Old Mutual Cirilium Conservative Passive Old Mutual Cirilium Dynamic Old Mutual Cirilium Dynamic Passive Old Mutual Cirilium Moderate Old Mutual Cirilium Moderate Passive Old Mutual Cirilium Strategic Income Old Mutual Corporate Bond Old Mutual UK Alpha Old Mutual UK Mid Cap Omnis Managed Adventurous Omnis Managed Balanced Omnis Managed Cautious Omnis Multi-Manager Adventurous Omnis Multi-Manager Balanced Omnis Multi-Manager Cautious Omnis Multi-Manager Distribution Optimum Enterprise Optimum Global Income Optimum High Alpha Optimum Strategic Income Premier Multi-Asset Distribution Premier Multi-Asset Growth & Income Property

5 Rathbone Income Schroder All Maturities Index Linked Bond Schroder Asian Income Maximiser Schroder Core UK Equity Schroder European Opportunities Schroder Flexible Retirement Schroder Global Alpha Plus Schroder Global Equity Income Schroder Global Property Securities Schroder Income Schroder Income Maximiser Schroder Managed Balanced Schroder MM Diversity Schroder Strategic Credit Schroder Tokyo Schroder UK Alpha Plus Schroder UK Mid Schroder UK Opportunities Schroder US Mid Cap Seneca Diversified Growth Sinfonia Adventurous Growth Portfolio Sinfonia Balanced Managed Portfolio Sinfonia Cautious Managed Portfolio Sinfonia Income & Growth Portfolio Sinfonia Income Portfolio SLI Ignis UK Property Sterling Bond Stewart Investors Asia Pacific Leaders Stewart Investors Worldwide Leaders Strategic Bond Tracker Protected Profits UBS US Equity UK UK Corporate Bond UK Equity Alpha Income UK Equity Income UK Growth & Income UK Monthly Income UK Select UK Smaller Companies Verbatim Portfolio 3 S Verbatim Portfolio Verbatim Portfolio 5 Growth Verbatim Portfolio 5 Income Verbatim Portfolio Verbatim Portfolio Woodford Equity Income

6 For more detail about these changes and their impact, please contact your usual financial adviser. NP (12/15) RRD This information relates to funds available as at November Sterling is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Telephone: We may record or monitor calls to improve our service. 6

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