Unit-Linked Fund Information

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1 Unit-Linked Information Level of Risk Lower Money Objective of the The investment is in short term deposit instruments, thus allowing sufficient liquidity in a fund that is principally a short-term investment vehicle for investors when switching between equity funds. The fund invests in all forms of interest-bearing money instruments where the capital is at low risk normally in the UK. 0.5% Money Market Pension 2nd 2nd 2nd Life 2nd 2nd 2nd Level of Risk Lower to Medium Gilt and Fixed Interest Objective of the The fund aims to produce a high level of income with the possibility of capital growth The return is derived mainly from an actively managed portfolio of gilts and other fixed interest investments, including money on deposit 0.5% UK Gilts Pension 3rd 2nd 2nd Life 2nd 1st 1st

2 Level of Risk Lower to Medium Index Linked Gilt Objective of the The fund aims to maximise the overall return on a portfolio of indexlinked securities issued by HM Government. We aim to achieve the performance objective of the fund by investing primarily in index-linked bonds as well as in a range of other fixed income asset classes. 0.5% UK Index Linked Gilts Pension 4th 3rd 3rd Life 2nd 3rd 2nd Level of Risk Medium Objective of the High Income The investment objective of this fund is to provide an above average income, together with prospects of capital appreciation over the longer term, derived mainly from a portfolio of securities in UK companies. 1% UK Equity Income Pension 4th 4th 4th Life 4th 4th 4th

3 Level of Risk Medium Managed Pelican UK FTSE All Share Index- Tracking UK FTSE 100 Index- Tracking Objective of the The investments are made at the discretion of the investment managers, whose objective is to maximise the overall return from investments covering the UK and overseas equities, gilt-edged and fixed interest stock and property. UK and overseas equities, gilts and fixed-interest stock and property are acquired through investment in the other funds and/or by direct investment. The investment objective of this fund is to achieve long-term capital growth by investing mainly in UK companies. The fund will concentrate the core of the portfolio on large companies whilst maintaining a reasonable presence in medium and small sized The investment objective of this fund is to aim to match as closely as possible, subject to the effect of charges, the capital performance and net income yield of the FTSE All-Share index. The fund is to invest primarily in companies and other securities comprising the FTSE All-Share Index. To match as closely as possible, subject to the effect of charges and regulations in force from time to time, the capital performance and net income yield of the FTSE 100 index. The fund is to invest primarily in companies and other securities comprising the FTSE 100 Index. 0.75% Mixed 40-85% Shares 0.75% UK All Companies Pension 2nd 2nd 1st Life 3rd 2nd 1st Pension 3rd 3rd 3rd Life 3rd 3rd 3rd 0.5% UK Tracker s n/a n/a n/a 0.5% UK Tracker s n/a n/a n/a

4 Level of Risk Medium Objective of the This fund aims to achieve long-term capital growth by investing in a carefully selected portfolio of properties from office, shop, factory and warehouse s of the market in the UK, let on long term leases to quality tenants with regular rent reviews. We may also invest in authorised property unit trusts. Pension 3rd 3rd 3rd Property The value of property assets is generally a matter of a surveyor s opinion rather than fact. We reserve the right to defer the cancellation of units and to postpone the date on which the unit prices are calculated by up to six months. This is because the underlying assets may not always be readily realisable. The property fund is a medium risk fund but as it is highly specialised and is always invested in one, it will be very dependent on the performance of this as a whole. 1% UK Direct Property Life 3rd 3rd 2nd

5 Level of Risk Medium to High Objective of the European To achieve capital growth in the long term by investing mainly in European companies excluding the UK. The fund will concentrate the core of the portfolio on large companies whilst maintaining a reasonable presence in medium and small sized 0.75% Europe excluding UK Equities Pension 4th 2nd 3rd Life 4th 2nd 3rd Far Eastern To achieve long term capital growth by investing mainly in Far Eastern companies (excluding Japanese companies). The fund will concentrate the core of the portfolio on large companies whilst maintaining a reasonable presence in medium and small sized 0.75% Asia Pacific excluding Japan Equities Pension 3rd 2nd 3rd Life 4th 3rd 3rd International Growth The investment objective of this fund is to achieve capital growth in the long-term by investing in a diversified global portfolio of companies. The fund will concentrate the core of the portfolio on large companies whilst maintaining a reasonable presence in medium and small sized 0.75% Global Equities Pension 4th 2nd 1st Life 4th 2nd 1st Japanese To maximise total returns from investments in a broad range of Japanese companies. The fund will concentrate the core of the portfolio on large companies whilst maintaining a reasonable presence in medium and small sized 0.75% Japan Equities Pension 3rd 3rd 3rd Life 2nd 2nd 2nd

6 Level of Risk Medium to High North American of Trusts Objective of the To achieve capital growth in the long term by investing mainly in North American companies. The fund will concentrate the core of the portfolio on blue chip companies whilst maintaining a reasonable presence in diversified The investment objective of this fund is to achieve capital growth in the long term by investing mainly in investment trust companies. The fund will select companies which invest in attractive markets and have a manager who is expected to out-perform the relevant asset category. The portfolio will also include trusts that are likely to benefit from reconstruction. 0.75% North America Equities 0.75% Global Equities Pension 2nd 1st 1st Life 2nd 1st 1st Pension 2nd 2nd 2nd Life 3rd 2nd 2nd Level of Risk High Objective of the Smaller Companies To achieve long term capital growth through investing mainly in smaller companies, principally in the UK. The fund will concentrate the core of the portfolio on smaller 1% UK Smaller Companies Pension 4th 4th 4th Life 4th 4th 4th

7 Level of Risk High Objective of the Ethical To achieve capital growth in the long term by investing in companies whose activities are considered ethical, both in terms of their primary activities, as well as the means of achieving them. The fund will select an international portfolio of companies with above average potential for growth. The majority of the portfolio will be invested in the following areas: pollution control; environmental protection; efficient utilisation of material and energy resources; clean fuels and alternative energy systems; healthcare services and medical technology; enabling technologies considered to be beneficial to society. 1% Global Equities Pension 4th 3rd 3rd Life 3rd 2nd 2nd Additionally, the fund will strive to avoid those companies whose activities could be considered to be ethically unacceptable. The investment objective of this fund is to achieve capital growth by active investment in UK companies with above average potential for growth. To select and actively manage a portfolio of large, medium and small sized companies with above average potential for capital growth. Advantage will be taken of opportunities offered by management pressures, recovery situations and market anomalies. Special Situations 1% UK All Companies Pension 4th 4th 4th Life 4th 4th 4th

8 Explanation of risks Below are the different levels of risk explained, to help you when you select your funds. Lower risk Lower to medium risk Medium Risk Medium to higher risk Higher Risk Low risk to investment is the priority, ahead of potential growth. Growth is likely to be modest but, as the investment is not generally guaranteed, it is possible that you could get back less than you invested. A balance of investments offering some investment security alongside the possibility of long-term investment growth or income. The value of your capital could go up or down. Long-term growth and/or income are the priority, based on a wider spread of investments. The value of your investment could go up or down. A narrower spread of investments in such areas as UK shares and international shares. The value of the funds can go up and down and potentially by greater amounts than the funds in the medium category. There is the greatest potential for high long-term growth or income, but the highest risk of capital loss. The value of your investment could go up or down, and may do so more frequently and by greater amounts than funds in lower rated risk categories. Questions and Answers What are the annual management charges on the unit-linked funds? The Annual Management Charge on the majority of Equitable Life funds is currently 0.5%. The new annual management charges that will come into effect on are set out in the table above. Where can I find more information about the unit-linked funds? We have produced Fact Sheets and a Guide to how we manage our unit-linked funds.

9 Who manages the unit-linked funds? Our unit linked funds are managed by Aberdeen Asset Management. Where can I find more information on fund prices? You can view fund prices here and generate graphs of fund price performance over various timescales for all our unit-linked funds. How can I compare the performance of my investments against other unit-linked funds? We place our funds into s which are defined and maintained by the Association of British Insurers (ABI) of which we are a member. The s are designed so that it is easier for you to make comparisons between the funds, when deciding which fund is the most suitable for you. The table shows how your fund compares with similar funds in the same ABI. More information on the different s can be found on the ABI website Quartile rankings are produced by listing all of the funds in the relevant ABI from best to worst. The best 25% are ranked quartile 1, the next 25% are ranked quartile 2, the next 25% are quartile 3 and the bottom 25% are ranked quartile 4. Looking at the quartile rankings will give you an indication of how a fund has performed within its over the various time periods. The quartile performance rankings are provided by Financial Express Analytics. Past performance is no guarantee as to what may happen in the future. What action can I take if I am not satisfied with fund performance? You may decide to switch to alternative funds. Currently there is no charge to switch between funds but we reserve the right to introduce one in the future. How often should I review my investments? It is important that you regularly review your unit-linked investments to make sure that they fit your needs and that you are comfortable with the level of risk. Switching to a fund which better meets your needs is easy and currently there is no charge. We provide more information on how to switch in the guide here. Where can I go for advice? We are unable to provide financial advice, so you should contact an Independent Financial Adviser if you need advice on whether funds continue to be suitable for you. A Financial Adviser will inform you of the fee that they charge for this service. There is a website you can use to find Independent Financial Advisers in your area at:

10 Who can I contact if I need more information? You can contact us from 09:00 until 17.30, Monday to Friday on You can us at: You can write to us at: Equitable Life Walton Street Aylesbury Bucks HP21 7QW

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