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									             Fund specific projection rates
             Zurich International Portfolio Bond


 On Monday 13 September the projection rates used in our pre-sales illustrations
 were changed to reflect the types of assets selected.

This document lists the funds and other assets available            Examples
through the Zurich International Portfolio Bond as at 01/09/10      Where 100% of the investment is in a fixed term deposit
and their related asset specific projection rates used in our       account the illustration would show a projection rate
illustrations.                                                      rounded down to 3.75%.

This list of funds and assets appear on the Permitted Assets        Where 100% of the investment is in the Aberdeen American
List for the Zurich International Portfolio Bond. We are            Equity A Acc GBP fund, the illustration would show a projection
continually expanding the range of funds and assets available       rate capped at 7%.
under the Zurich International Portfolio Bond, for the most up
to date list of the funds please speak to your financial adviser.   Where 50% of the investment is in a fixed term deposit account
                                                                    and 50% in the Aberdeen American Equity A Acc GBP fund, the
The projection rate will be rounded down to the nearest             illustration would show a projection rate rounded down to 5.75%
0.25% in our pre-sales illustrations. The resulting                 [(3.80% x 50%) + (7.86% x 50%) = 5.83%].
projection rate will be capped at 7% if it exceeds the
FSA's standard mid-point growth rate of 7%. This                    Where 50% of the investment is in the Aberdeen American Equity
rounding approach and cap will also apply for combined              A Acc GBP fund and 50% in the Aberdeen Asia Pacific & Japan A
projection rates where more than one fund is selected.              Acc GBP fund, the illustration would show a projection rate
                                                                    capped at 7% [(7.86% x 50%) + (7.94% x 50%) = 7.90%].




  Zurich International Portfolio Bond - projection rates applicable from 13/9/2010

                                      Permitted Asset                                         Asset specific projection rate
  Instant access and fixed-term deposit accounts                                                            3.80
  Structured deposits                                                                                       3.80
  Discretionary Asset Management Service                                                                    7.00




  These fund and asset 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.


                                    Mutual Fund Name                                           Fund specific projection rate
For more details
  Aberdeen American Equity A Acc GBP                                                                        7.86
  Aberdeen Asia Pacific & Japan A Acc GBP                                                                   7.94
  Aberdeen Asia Pacific A Acc GBP                                                                           7.94
  Aberdeen Asia Pacific A Inc GBP                                                                           7.94
  Aberdeen Corporate Bond A Acc GBP                                                                         4.96
  Aberdeen Emerging Markets A Acc GBP                                                                       7.88
  Aberdeen Ethical World A Acc GBP                                                                          7.83
  Aberdeen Ethical World A Inc GBP                                                                          7.83
  Aberdeen European Equity A Acc GBP                                                                        7.91
  Aberdeen European Smaller Companies A Acc GBP                                                             7.92
  Aberdeen Global American Equity D2 Acc GBP                                                                7.88
  Aberdeen Global Asia Pacific D2 Acc GBP                                                                   7.87
  Aberdeen Global Asia Pacific Equity A2 Acc USD                                                            7.87
  Aberdeen Global Asia Small Companies D2 Acc GBP                                                           7.88
  Aberdeen Global Chinese Equity D2 Acc GBP                                                                 7.92
  Aberdeen Global Emerging Markets Bond A1 Inc USD                                                          4.98
  Aberdeen Global Emerging Markets Bond A2 Acc USD                                                          4.98
  Aberdeen Global Euro High Yield Bond A1 Inc EUR                                                           5.00
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details Euro High Yield Bond B2 Acc EUR
  Aberdeen Global                                                                                5.00
  Aberdeen Global Euro Opps Ex UK D2 Inc GBP                                                     7.92
  Aberdeen Global European Equity A2 Acc EUR                                                     7.95
  Aberdeen Global High Yield Bond D1 Inc GBP                                                     5.00
  Aberdeen Global India Equity D2 Acc GBP                                                        7.88
  Aberdeen Global Japan Smaller Companies D2 Acc GBP                                             7.87
  Aberdeen Global Technology D2 Acc GBP                                                          7.92
  Aberdeen Global UK Equity D1 Inc GBP                                                           7.86
  Aberdeen Global World Bond D1 Inc GBP                                                          5.01
  Aberdeen Global World Equity A2 Acc USD                                                        7.88
  Aberdeen Japan Growth A Acc GBP                                                                7.89
  Aberdeen Managed Distribution A Acc GBP                                                        6.15
  Aberdeen Managed Distribution A Inc GBP                                                        6.15
  Aberdeen Multi Asset A Acc GBP                                                                 7.44
  Aberdeen Multi Manager Balanced Managed Acc GBP                                                7.16
  Aberdeen Multi Manager Balanced Managed Inc GBP                                                7.16
  Aberdeen Multi Manager Cautious Managed Acc GBP                                                6.44
  Aberdeen Multi Manager Cautious Managed Inc GBP                                                6.44
  Aberdeen Multi Manager Constellation Acc GBP                                                   7.85
  Aberdeen Multi Manager Emerging Markets Acc GBP                                                7.75
  Aberdeen Multi Manager Emerging Markets Inc GBP                                                7.75
  Aberdeen Multi Manager Equity Managed Acc GBP                                                  7.87
  Aberdeen Multi Manager Equity Managed Inc GBP                                                  7.87
  Aberdeen Multi Manager Ethical Inc GBP                                                         7.49
  Aberdeen Multi Manager International Growth P Acc GBP                                          7.73
  Aberdeen Multi Manager International Growth P Inc GBP                                          7.73
  Aberdeen Multi Manager Multi Asset Distribution Acc GBP                                        6.32
  Aberdeen Multi Manager Multi Asset Distribution Inc GBP                                        6.32
  Aberdeen Multi Manager Sterling Bond Acc GBP                                                   4.97
  Aberdeen Multi Manager Sterling Bond Inc GBP                                                   4.97
  Aberdeen Multi Manager UK Growth Acc GBP                                                       7.87
  Aberdeen Multi Manager UK Growth Inc GBP                                                       7.87
  Aberdeen Multi Manager UK Income Acc GBP                                                       7.83
  Aberdeen Multi Manager UK Income Inc GBP                                                       7.83
  Aberdeen Property Share A Acc GBP                                                              7.44
  Aberdeen UK Equity A Acc GBP                                                                   7.93
  Aberdeen UK Equity A Inc GBP                                                                   7.93
  Aberdeen UK Equity Income A Acc GBP                                                            7.91
  Aberdeen UK Equity Income A Inc GBP                                                            7.91
  Aberdeen UK Mid Cap A Acc GBP                                                                  7.79
  Aberdeen World Equity A Acc GBP                                                                7.89

  Absolute Asia AM Emerging Asia R Acc EUR                                                       7.92
  Absolute Asia AM Emerging Asia R Acc USD                                                       7.87
  Absolute Asia AM Emerging Asia R Inc USD                                                       7.92
  Absolute Asia AM Pacific Rim Equities R Acc EUR                                                7.98
  Absolute Asia AM Pacific Rim Equities R Acc USD                                                7.98
  AEGON American Equity A Acc GBP                                                                7.92
  AEGON Ethical Cautious Managed A Inc GBP                                                       6.30
  AEGON Ethical Corporate Bond A Acc GBP                                                         5.00
  AEGON Ethical Corporate Bond A Inc GBP                                                         5.00
  AEGON Ethical Equity A Acc GBP                                                                 7.67
  AEGON European Equity A Acc GBP                                                                8.00
  AEGON Global Equity A Acc GBP                                                                  7.92
 These fund and asset 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.


                               Mutual Fund Name                                    Fund specific projection rate
For more details Bond A Acc GBP
  AEGON High Yield                                                                              4.94
 AEGON Sterling Corporate Bond A Acc GBP                                                        4.97
 AEGON Sterling Corporate Bond A Inc GBP                                                        4.97
 AEGON Strategic Bond A Acc GBP                                                                 4.97
 AEGON Strategic Bond A Inc GBP                                                                 4.97
 AEGON UK Equity A Acc GBP                                                                      7.92
 AEGON UK Opportunities A Acc GBP                                                               7.92
 AEGON UK Smaller Companies A Acc GBP                                                           7.83
 Allianz All Markets Dynamic A Inc EUR                                                          6.08
 Allianz All Markets Opportunities A Inc EUR                                                    6.53
 Allianz PIMCO Euro Bond Total Return A Inc EUR                                                 4.50
 Allianz PIMCO Euro Bond Total Return AT Acc EUR                                                4.50
 Allianz PIMCO Gilt Yield A Inc GBP                                                             3.80
 Allianz PIMCO Gilt Yield C Acc GBP                                                             3.80
 Allianz PIMCO Sterling Total Return A Inc GBP                                                  5.03
 Allianz PIMCO UK Corporate Bond Inc GBP                                                        5.03
 Allianz RCM Asia Pacific A Inc USD                                                             7.89
 Allianz RCM Asia Pacific AT Acc EUR                                                            7.89
 Allianz RCM BRIC Equity AT Acc EUR                                                             7.91
 Allianz RCM BRIC Equity AT Acc USD                                                             7.90
 Allianz RCM BRIC Stars A Acc GBP                                                               8.00
 Allianz RCM China A Inc USD                                                                    7.90
 Allianz RCM Continental European A Acc GBP                                                     8.00
 Allianz RCM Euro Equity Index A Inc EUR                                                        8.00
 Allianz RCM Euroland Equity Growth A Inc EUR                                                   7.95
 Allianz RCM Euroland Equity Growth AT Acc EUR                                                  7.95
 Allianz RCM Europe Equity Growth A Inc EUR                                                     7.95
 Allianz RCM Europe Equity Growth AT Acc EUR                                                    7.95
 Allianz RCM Global Agricultural Trends A Inc EUR                                               8.00
 Allianz RCM Global Agricultural Trends A Inc GBP                                               8.00
 Allianz RCM Global Agricultural Trends AT Acc EUR                                              8.00
 Allianz RCM Global Agricultural Trends AT Acc USD                                              8.00
 Allianz RCM Global EcoTrends A Acc GBP                                                         8.00
 Allianz RCM Global Sustainability A Inc EUR                                                    7.95
 Allianz RCM Global Sustainability A Inc USD                                                    8.00
 Allianz RCM Hong Kong A Inc USD                                                                7.90
 Allianz RCM Indonesia A Inc EUR                                                                7.80
 Allianz RCM Indonesia A Inc USD                                                                7.80
 Allianz RCM Japan Acc GBP                                                                      8.00
 Allianz RCM Korea A Inc USD                                                                    7.85
 Allianz RCM Little Dragons A Inc USD                                                           7.83
 Allianz RCM Little Dragons AT Acc USD                                                          7.83
 Allianz RCM Malaysia A Inc USD                                                                 7.84
 Allianz RCM Oriental Income A Inc USD                                                          7.32
 Allianz RCM Oriental Income AT Acc USD                                                         7.32
 Allianz RCM Philippines A Inc USD                                                              7.88
 Allianz RCM Singapore A Inc USD                                                                7.87
 Allianz RCM Thailand A Inc EUR                                                                 7.75
 Allianz RCM Thailand A Inc USD                                                                 7.75
 Allianz RCM Tiger A Inc EUR                                                                    7.84
 Allianz RCM Tiger A Inc USD                                                                    7.84
 Allianz RCM Tiger AT Acc USD                                                                   7.84
 Allianz RCM Total Return Asian Equity A Acc GBP                                                8.00
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details Return Asian Equity A Inc USD
  Allianz RCM Total                                                                              7.93
  Allianz RCM Total Return Asian Equity AT Acc USD                                               7.93
  Allianz RCM UK Equity A Acc GBP                                                                8.00
  Allianz RCM UK Equity Income A Inc GBP                                                         8.00
  Allianz RCM UK Growth A Acc GBP                                                                8.00
  Allianz RCM UK Middle Capital A Acc GBP                                                        8.00
  Allianz RCM US Equity Acc GBP                                                                  8.00
  Allianz Real Estate Securities Europe AT Acc EUR                                               7.79
  Allianz UK High Alpha A Acc GBP                                                                8.00
  Allianz-dit Global EcoTrends A Inc EUR                                                         7.87
  Allianz-dit Global EcoTrends AT Acc EUR                                                        7.87
  Aria Absolute Income Protected A1 Acc GBP                                                      7.70
  Aria Absolute Income Protected B1 Inc GBP                                                      7.70
  Aria Dynamic Growth Protected Acc GBP                                                          7.70
  Aria GEMS Protected Acc GBP                                                                    8.00
  Artemis Capital Acc GBP                                                                        7.96
  Artemis European Growth R Acc GBP                                                              8.00
  Artemis Global Growth R Acc GBP                                                                8.00
  Artemis High Income R Inc GBP                                                                  5.21
  Artemis Income I Acc GBP                                                                       7.86
  Artemis Income R Inc GBP                                                                       7.86
  Artemis Strategic Assets R Acc GBP                                                             7.19
  Artemis Strategic Bond MR Acc GBP                                                              5.03
  Artemis Strategic Bond MR Inc GBP                                                              5.03
  Artemis Strategic Bond QR Inc GBP                                                              5.03
  Artemis UK Growth Acc GBP                                                                      8.00
  Artemis UK Smaller Companies Acc GBP                                                           7.99
  Artemis UK Special Situations Acc GBP                                                          8.00
  ASG Laser R Acc EUR                                                                            6.74
  ASG Laser R Acc USD                                                                            6.74
  Aviva Investor UK Focus 1 Acc GBP                                                              8.00
  Aviva Investors Corporate Bond A Inc GBP                                                       4.94
  Aviva Investors European Equity A Acc GBP                                                      7.80
  Aviva Investors Global Convertibles AX Hedged Acc GBP                                          5.03
  Aviva Investors Global Property 1 Acc GBP                                                      7.79
  Aviva Investors Higher Income Plus A Inc GBP                                                   4.98
  Aviva Investors International Index Tracking 1 Acc GBP                                         7.89
  Aviva Investors Managed High Income 1 Inc GBP                                                  5.01
  Aviva Investors Manager of Manager Balanced 1 Acc GBP                                          8.00
  Aviva Investors Manager of Manager Cautious 1 Acc GBP                                          8.00
  Aviva Investors Manager of Manager Growth 1 Acc GBP                                            8.00
  Aviva Investors Manager of Manager Income 1 Inc GBP                                            8.00
  Aviva Investors Monthly Inc Plus 1 Acc GBP                                                     4.94
  Aviva Investors Monthly Inc Plus 1 Inc GBP                                                     4.94
  Aviva Investors Property A Acc GBP                                                             7.29
  Aviva Investors Property A Inc GBP                                                             7.29
  Aviva Investors SF Corporate Bond 1 Inc GBP                                                    4.94
  Aviva Investors SF European Growth 1 Acc GBP                                                   7.71
  Aviva Investors Sustainable Future Managed 1 Inc GBP                                           6.55
  Aviva Investors UK Equity A Inc GBP                                                            8.00
  Aviva Investors UK Equity Income A Inc GBP                                                     8.00
  Aviva Investors UK Ethical A Acc GBP                                                           8.00
  Aviva Investors UK Growth A Acc GBP                                                            8.00
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more detailsUK Income & Growth Inc GBP
  Aviva Investors                                                                                8.00
  Aviva Investors UK Income Opportunities SC1 Acc GBP                                            8.00
  Aviva Investors UK Income Opportunities SC1 Inc GBP                                            8.00
  Aviva Investors UK Index Tracking 1 Inc GBP                                                    7.88
  Aviva Investors UK Special Situations 1 Acc GBP                                                7.94
  AXA Framlington American Growth Acc GBP                                                        7.80
  AXA Framlington American Growth Inc GBP                                                        7.80
  AXA Framlington Biotech Acc GBP                                                                8.00
  AXA Framlington Biotech Inc GBP                                                                8.00
  AXA Framlington Emerging Markets Acc GBP                                                       7.81
  AXA Framlington Emerging Markets Inc GBP                                                       7.81
  AXA Framlington Equity Income Acc GBP                                                          7.81
  AXA Framlington Equity Income Inc GBP                                                          7.81
  AXA Framlington European Acc GBP                                                               7.95
  AXA Framlington European Inc GBP                                                               7.95
  AXA Framlington Financial Acc GBP                                                              8.00
  AXA Framlington Financial Inc GBP                                                              8.00
  AXA Framlington Global Opportunities Acc GBP                                                   7.77
  AXA Framlington Global Opportunities Inc GBP                                                   7.77
  AXA Framlington Global Technology Acc GBP                                                      7.82
  AXA Framlington Global Technology Inc GBP                                                      7.82
  AXA Framlington Health Acc GBP                                                                 8.00
  AXA Framlington Health Inc GBP                                                                 8.00
  AXA Framlington Japan Acc GBP                                                                  7.93
  AXA Framlington Japan Inc GBP                                                                  7.93
  AXA Framlington Japan Smaller Companies Acc GBP                                                7.87
  AXA Framlington Managed Balanced Acc GBP                                                       7.28
  AXA Framlington Managed Balanced Inc GBP                                                       7.28
  AXA Framlington Managed Income Acc GBP                                                         5.20
  AXA Framlington Managed Income Inc GBP                                                         5.20
  AXA Framlington Monthly Income Acc GBP                                                         7.84
  AXA Framlington Monthly Income Inc GBP                                                         7.84
  AXA Framlington UK Growth Acc GBP                                                              7.88
  AXA Framlington UK Growth Inc GBP                                                              7.88
  AXA Framlington UK Select Opportunities Acc GBP                                                7.83
  AXA Framlington UK Select Opportunities Inc GBP                                                7.83
  AXA Framlington UK Smaller Companies Acc GBP                                                   7.93
  AXA Framlington UK Smaller Companies Inc GBP                                                   7.93
  AXA Global High Income Retail Gross Acc GBP                                                    4.98
  AXA Global High Income Retail Gross Inc GBP                                                    4.98
  AXA Pan European High Yield Bond Acc GBP                                                       4.92
  AXA Pan European High Yield Bond Inc GBP                                                       4.92
  AXA Sterling Corporate Bond Retail Gross Acc GBP                                               4.97
  AXA Sterling Corporate Bond Retail Gross Inc GBP                                               4.97
  AXA Sterling Gilt Acc GBP                                                                      3.86
  AXA Sterling Gilt Inc GBP                                                                      3.86
  AXA Sterling Strategic Bond Retail Gross Acc GBP                                               4.42
  AXA Sterling Strategic Bond Retail Gross Inc GBP                                               4.42
  Baillie Gifford American A Acc GBP                                                             7.85
  Baillie Gifford British 350 A Acc GBP                                                          7.88
  Baillie Gifford British 350 A Inc GBP                                                          7.88
  Baillie Gifford British Smaller Companies A Acc GBP                                            7.90
  Baillie Gifford Corporate Bond A Acc GBP                                                       5.00
  These fund and asset 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.


                                   Mutual Fund Name                                 Fund specific projection rate
For more details
  Baillie Gifford Corporate Bond A Inc GBP                                                       5.00
  Baillie Gifford Developed Asia Pacific A Acc GBP                                               7.94
  Baillie Gifford Emerging Markets Bond A Inc GBP                                                4.99
  Baillie Gifford Emerging Markets Growth A Acc GBP                                              7.96
  Baillie Gifford Emrg Mkts Large Cap Cos A Acc GBP                                              7.96
  Baillie Gifford European A Acc GBP                                                             7.94
  Baillie Gifford European Smaller Companies A Acc GBP                                           7.99
  Baillie Gifford Gilt A Acc GBP                                                                 3.80
  Baillie Gifford Gilt A Inc GBP                                                                 3.80
  Baillie Gifford Greater China A Acc GBP                                                        7.90
  Baillie Gifford High Yield Bond A Inc GBP                                                      5.01
  Baillie Gifford International A Acc GBP                                                        7.93
  Baillie Gifford Japanese A Acc GBP                                                             7.95
  Baillie Gifford Japanese Smaller Companies A Acc GBP                                           7.92
  Baillie Gifford Managed A Acc GBP                                                              7.23
  Baillie Gifford Managed A Inc GBP                                                              7.23
  Baillie Gifford Pacific A Acc GBP                                                              7.94
  Baring Absolute Return Global Bond Trust Acc GBP                                               3.80
  Baring Absolute Return Global Bond Trust Inc GBP                                               3.80
  Baring Asean Frontiers Inc USD                                                                 7.84
  Baring Asia Growth Inc USD                                                                     7.86
  Baring Australia Inc USD                                                                       7.94
  Baring Eastern Europe Inc EUR                                                                  7.86
  Baring Eastern Europe Inc USD                                                                  7.86
  Baring Eastern Trust Acc GBP                                                                   7.87
  Baring Europe Select Trust Inc EUR                                                             7.79
  Baring Europe Select Trust Inc GBP                                                             7.79
  Baring European Growth Trust Inc GBP                                                           7.90
  Baring Global Bond Trust Inc GBP                                                               4.99
  Baring Global Emerging Markets Inc USD                                                         7.81
  Baring Global Growth Trust Inc GBP                                                             7.85
  Baring Global Resources Inc EUR                                                                8.00
  Baring Global Resources Inc USD                                                                8.00
  Baring High Yield Bond Hedge Inc GBP                                                           4.91
  Baring High Yield Bond Inc USD                                                                 4.91
  Baring Hong Kong China Inc EUR                                                                 7.88
  Baring Hong Kong China Inc USD                                                                 7.88
  Baring International Bond Inc GBP                                                              5.00
  Baring International Bond Inc USD                                                              5.00
  Baring Japan Growth Trust Acc GBP                                                              8.00
  Baring Korea Feeder Acc USD                                                                    7.82
  Baring Korea Trust Acc GBP                                                                     8.00
  Baring Latin American Inc USD                                                                  7.93
  Baring North America Inc GBP                                                                   7.90
  Baring North America Inc USD                                                                   7.90
  Baring Russia Acc USD                                                                          7.86
  Baring UK Growth Trust Inc GBP                                                                 7.98
  Baring UK Smaller Companies Trust Inc GBP                                                      7.82
  BlackRock American Opportunities A Acc GBP                                                     7.79
  BlackRock Asian Dragon A2 Acc EUR                                                              7.89
  BlackRock Balanced Growth Portfolio A Inc GBP                                                  7.33
  BlackRock Cash A Acc GBP                                                                       3.80
  BlackRock Cautious Portfolio A Acc GBP                                                         5.96
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  BlackRock Emerging Markets A Acc GBP                                                           7.83
  BlackRock European Dynamic A Acc GBP                                                           7.91
  BlackRock European Dynamic A Inc GBP                                                           7.91
  BlackRock European Growth A2 Acc EUR                                                           7.98
  BlackRock GF Basic Value A2 ACC USD                                                            7.92
  BlackRock GF Emerging Europe A2 Acc USD                                                        7.83
  BlackRock GF Emerging European A2 Acc EUR                                                      7.83
  BlackRock GF Emerging Markets A2 Acc USD                                                       7.89
  BlackRock GF Equity A Acc GBP                                                                  7.88
  BlackRock GF Europe Flexible A Inc EUR                                                         7.96
  BlackRock GF European Opportunities A2 Acc USD                                                 7.78
  BlackRock GF European Value A2 Acc GBP                                                         7.96
  BlackRock GF European Value A2 Acc USD                                                         7.96
  BlackRock GF Global Equity Inc GBP                                                             7.88
  BlackRock GF High Yield A2 Hedged Acc EUR                                                      4.97
  BlackRock GF Latin American A2 Acc GBP                                                         7.94
  BlackRock GF Latin American A2 Acc USD                                                         7.94
  BlackRock GF New Energy A2 Acc USD                                                             8.00
  BlackRock GF Strategy Allocation A2 Acc EUR                                                    6.31
  BlackRock GF UK Inc GBP                                                                        7.89
  BlackRock GF World Energy A2 Acc USD                                                           7.95
  BlackRock GF World Gold A2 Acc USD                                                             7.99
  BlackRock GF World Mining A2 Acc USD                                                           7.96
  BlackRock Gold & General A Acc GBP                                                             7.97
  BlackRock Gold & General A Inc GBP                                                             7.97
  BlackRock Government Securities A Acc GBP                                                      3.80
  BlackRock High Income Bond A Acc GBP                                                           5.02
  BlackRock New Energy A2 Acc EUR                                                                8.00
  BlackRock Pacific Equity A2 Acc EUR                                                            7.90
  BlackRock UK A Acc GBP                                                                         7.89
  BlackRock UK A Inc GBP                                                                         7.89
  BlackRock UK A2 Acc GBP                                                                        7.89
  BlackRock UK Absolute Alpha P Acc GBP                                                          8.00
  BlackRock UK Dynamic A Acc GBP                                                                 7.86
  BlackRock UK Dynamic A Inc GBP                                                                 7.86
  BlackRock UK Income A Acc GBP                                                                  7.98
  BlackRock UK Income A Inc GBP                                                                  7.98
  BlackRock UK Small Companies A Acc GBP                                                         7.96
  BlackRock UK Small Companies A Inc GBP                                                         7.96
  BlackRock UK Special Situations A Acc GBP                                                      7.96
  BlackRock UK Special Situations A Inc GBP                                                      7.96
  BlackRock US Core Bond A2 Acc USD                                                              8.00
  BlackRock US Dynamic A Acc GBP                                                                 7.98
  BlackRock US Dynamic A Inc GBP                                                                 7.98
  BlackRock US Flexible Equity A2 Acc USD                                                        8.00
  BlackRock US Opportunities A2 Acc USD                                                          7.85
  BlackRock World Mining A2 Acc EUR                                                              7.96
  BNY Mellon Asian Equity A Acc EUR                                                              8.00
  BNY Mellon Asian Equity A Acc USD                                                              8.00
  BNY Mellon Brazil Equity A Acc EUR                                                             7.86
  BNY Mellon Brazil Equity A Acc USD                                                             7.86
  BNY Mellon Continental European Equity A Acc EUR                                               8.00
  BNY Mellon Continental European Equity A Acc USD                                               8.00
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  BNY Mellon Emerging Markets Debt A Acc EUR                                                     4.97
  BNY Mellon Emerging Markets Debt A Acc USD                                                     4.97
  BNY Mellon Emerging Markets Debt Local Currency A Acc EUR                                      5.03
  BNY Mellon Emerging Markets Debt Local Currency A Acc USD                                      5.03
  BNY Mellon Euro Government Bond Index Tracker A Acc EUR                                        5.03
  BNY Mellon Euroland Bond A Acc EUR                                                             5.03
  BNY Mellon Global Bond A Acc EUR                                                               5.01
  BNY Mellon Global Bond A Acc USD                                                               5.01
  BNY Mellon Global Emerging Markets A Acc EUR                                                   7.81
  BNY Mellon Global Emerging Markets A Acc USD                                                   7.81
  BNY Mellon Global Equity A Acc EUR                                                             8.00
  BNY Mellon Global Equity A Acc USD                                                             8.00
  BNY Mellon Global Property Securities A Acc EUR                                                7.50
  BNY Mellon Global Property Securities A Acc USD                                                7.50
  BNY Mellon Long-Term Global Equity A Acc EUR                                                   8.00
  BNY Mellon Long-Term Global Equity A Acc USD                                                   8.00
  BNY Mellon Pan European Equity A Acc EUR                                                       8.00
  BNY Mellon Pan European Equity A Acc USD                                                       8.00
  BNY Mellon S&P 500 Index Tracker A Acc EUR                                                     7.96
  BNY Mellon S&P 500 Index Tracker A Acc USD                                                     7.96
  BNY Mellon Small Cap Euroland A Acc EUR                                                        8.00
  BNY Mellon Sterling Bond A Acc EUR                                                             4.99
  BNY Mellon Sterling Bond A Acc GBP                                                             4.99
  BNY Mellon UK Equity A Acc EUR                                                                 7.82
  BNY Mellon UK Equity A Acc GBP                                                                 7.82
  BNY Mellon US Dynamic Value A Acc EUR                                                          8.00
  BNY Mellon US Dynamic Value A Acc USD                                                          8.00
  BNY Mellon US Equity A Acc USD                                                                 7.90
  BNY Mellon Vietnam India & China A Acc EUR                                                     7.87
  BNY Mellon Vietnam India & China A Acc USD                                                     7.87
  Castlestone Aliquot Agriculture Exit B Acc USD                                                 6.95
  Castlestone Aliquot Agriculture Exit BB Hedged Acc EUR                                         6.95
  Castlestone Aliquot Agriculture Exit BBB Acc GBP                                               6.95
  Castlestone Aliquot Agriculture Retail Entry C Acc USD                                         6.95
  Castlestone Aliquot Agriculture Retail Entry CCC Acc GBP                                       6.95
  Castlestone Aliquot Commodity (UCITS) B Acc USD                                                6.95
  Castlestone Aliquot Commodity (UCITS) BB Acc EUR                                               6.95
  Castlestone Aliquot Commodity (UCITS) BBB Acc GBP                                              6.95
  Castlestone Aliquot Commodity (UCITS) C Acc USD                                                6.95
  Castlestone Aliquot Commodity (UCITS) CCC Acc GBP                                              6.95
  Castleton Growth R Inc GBP                                                                     6.50
  Cazenove European B Acc GBP                                                                    7.74
  Cazenove European Equity Ex UK A Inc EUR                                                       7.82
  Cazenove International Pan Europe A Inc EUR                                                    7.75
  Cazenove Multi Manager Diversity B Acc GBP                                                     6.07
  Cazenove Multi Manager Diversity B Inc GBP                                                     6.07
  Cazenove Multi Manager Diversity Tactical B Acc GBP                                            6.09
  Cazenove Multi Manager Diversity Tactical B Inc GBP                                            6.09
  Cazenove Strategic Bond B Acc GBP                                                              4.99
  Cazenove Strategic Bond B Inc GBP                                                              4.99
  Cazenove UK Corporate Bond A Acc GBP                                                           5.00
  Cazenove UK Corporate Bond B Inc GBP                                                           5.00
  Cazenove UK Dynamic B Acc GBP                                                                  7.84
  These fund and asset 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.


                                  Mutual Fund Name                                  Fund specific projection rate
For more details
  Cazenove UK Growth & Inc B Acc GBP                                                             7.92
  Cazenove UK Growth & Inc B Inc GBP                                                             7.92
  Cazenove UK Smaller Companies B Acc GBP                                                        7.86
  CF 7IM AAP Adventurous D Acc GBP                                                               7.71
  CF 7IM AAP Balanced D Acc GBP                                                                  6.43
  CF 7IM AAP Moderately Adventurous D Acc GBP                                                    7.12
  CF 7IM AAP Moderately Cautious D Acc GBP                                                       5.60
  CF 7IM Adventurous B Acc GBP                                                                   7.71
  CF 7IM Balanced B Acc GBP                                                                      6.43
  CF 7IM Ethical B Acc GBP                                                                       6.80
  CF 7IM Income B Acc GBP                                                                        5.66
  CF 7IM Income B Inc GBP                                                                        5.66
  CF 7IM Moderately Adventurous B Acc GBP                                                        7.12
  CF 7IM Moderately Cautious B Acc GBP                                                           5.60
  CF 7IM Personal Injury A Acc GBP                                                               4.64
  CF 7IM Personal Injury A Inc GBP                                                               4.64
  CF iimia Accelerated A Shares Acc GBP                                                          7.59
  CF Midas Balanced Growth Acc GBP                                                               6.75
  CF Midas Balanced Income Inc GBP                                                               6.08
  CF Miton Arcturus (MitonOptimal Multi Strat) Retail Acc GBP                                    5.31
  CF Miton Cautious Income Portfolio A Inc GBP                                                   6.26
  CF Miton Global Portfolio A Acc GBP                                                            7.45
  CF Miton Global Portfolio C Acc USD                                                            7.45
  CF Miton Special Situations Portfolio A Acc GBP                                                5.13
  CF Miton Special Situations Portfolio C Acc USD                                                5.13
  CF Miton Special Situations Portfolio F Acc EUR                                                5.13
  CF Miton Strategic Portfolio A Acc GBP                                                         5.24
  CF Miton Strategic Portfolio C Acc USD                                                         5.24
  CF Octopus Partner Absolute Return Acc GBP                                                     8.00
  CF Ruffer European O Acc GBP                                                                   7.33
  CF Ruffer Total Return R Acc GBP                                                               6.23
  CF Trojan Capital Int Acc GBP                                                                  7.41
  CF Trojan Capital Int Inc GBP                                                                  7.41
  CF Trojan Income Int Acc GBP                                                                   7.62
  CF Trojan Income Int Inc GBP                                                                   7.62
  CF Walker Crips Corporate Bond Acc GBP                                                         5.03
  CF Walker Crips Corporate Bond Inc GBP                                                         5.03
  CF Walker Crips Equity Income Acc GBP                                                          7.95
  CF Walker Crips Equity Income Inc GBP                                                          7.95
  CF Walker Crips Global Growth A Acc GBP                                                        7.46
  CF Walker Crips Global Growth Inc GBP                                                          7.46
  CF Walker Crips Select Income A Acc GBP                                                        6.28
  CF Walker Crips Select Income Inc GBP                                                          6.28
  CF Walker Crips UK Growth Acc GBP                                                              7.86
  CF Walker Crips UK Growth Inc GBP                                                              7.86
  CF Walker Crips UK High Alpha Acc GBP                                                          7.87
  CF Walker Crips UK High Alpha Inc GBP                                                          7.87
  Cirilium Cautious R Acc GBP                                                                    6.13
  Cirilium Dynamic R Acc GBP                                                                     7.19
  Cirilium Moderate R Acc GBP                                                                    6.77
  CIS Corporate Bond Income Inc GBP                                                              5.00
  CIS Sustainable Leaders Inc GBP                                                                7.92
  CIS UK Growth Inc GBP                                                                          7.97
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
  CIS UK details
For more Income With Growth Inc GBP                                                              7.05
  Close Beacon Investment Inc GBP                                                                7.67
  Close Capital Account Acc GBP                                                                  3.80
  Close FTSE Techmark Acc GBP                                                                    8.00
  Close Reserve Equity Acc GBP                                                                   5.04
  Close Special Situations A Acc GBP                                                             7.82
  Close UK Escalator 100 Acc GBP                                                                 3.80
  Close UK Escalator 95 Acc GBP                                                                  3.80
  Compass Balanced Portfolio Acc GBP                                                             6.61
  Eagle Star Active Fixed Income EUR                                                             3.80
  Eagle Star Balanced EUR                                                                        6.43
  Eagle Star Cash EUR                                                                            3.80
  Eagle Star Cautiously Managed EUR                                                              5.27
  Eagle Star Deposit Plus EUR                                                                    3.80
  Eagle Star Dividend Growth EUR                                                                 8.00
  Eagle Star Dynamic Growth EUR                                                                  7.48
  Eagle Star Eurozone Equity EUR                                                                 8.00
  Eagle Star International Equity EUR                                                            8.00
  Eagle Star Long Bond EUR                                                                       3.80
  Eagle Star Performance EUR                                                                     7.06
  EFA OPM Balanced Managed R Acc GBP                                                             7.44
  EFA OPM Balanced Managed R Inc GBP                                                             7.44
  EFA OPM Fixed Interest R Acc GBP                                                               5.10
  EFA OPM Fixed Interest R Inc GBP                                                               5.10
  EFA OPM Property R Acc GBP                                                                     6.91
  EFA OPM Property R Inc GBP                                                                     6.91
  EFA OPM UK Equity R Acc GBP                                                                    7.92
  EFA OPM UK Equity R Inc GBP                                                                    7.92
  F&C Active Return A Inc EUR                                                                    4.09
  F&C Asia Pacific Dynamic A Inc EUR                                                             7.88
  F&C Corporate Bond 1 Inc GBP                                                                   5.03
  F&C Diversified Growth A Inc USD                                                               7.04
  F&C Emerging Markets Bond A Inc USD                                                            5.00
  F&C Ethical Bond 1 Inc GBP                                                                     4.99
  F&C European High Yield Bond A Inc EUR                                                         4.99
  F&C Extra Income Bond 1 Inc GBP                                                                4.98
  F&C FTSE All Share Tracker 1 Acc GBP                                                           5.01
  F&C FTSE All Share Tracker 1 Inc GBP                                                           5.01
  F&C Global Climate Opportunities A Inc EUR                                                     7.79
  F&C Global Climate Opportunities A Inc GBP                                                     7.79
  F&C Global Convertible Bond A Inc EUR                                                          5.03
  F&C Global Emerging Markets Portfolio A Inc USD                                                8.00
  F&C High Income Inc GBP                                                                        6.19
  F&C Lifestyle Balanced Acc GBP                                                                 7.52
  F&C Lifestyle Cautious Acc GBP                                                                 7.14
  F&C Lifestyle Defensive Acc GBP                                                                6.81
  F&C Lifestyle Growth Acc GBP                                                                   7.80
  F&C Maximum Income Bond 1 Inc GBP                                                              4.93
  F&C Multi Manager Balanced 1 Acc GBP                                                           7.24
  F&C Multi Manager Balanced 1 Inc GBP                                                           7.24
  F&C Multi Manager Distribution 1 Acc GBP                                                       6.50
  F&C North American 1 Acc GBP                                                                   7.97
  F&C Pacific Equity A Acc EUR                                                                   7.97
  These fund and asset 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.


                                   Mutual Fund Name                                 Fund specific projection rate
For more details
  F&C Pacific Growth 1 Acc GBP                                                                   7.90
  F&C Progressive Growth 1 Acc GBP                                                               7.81
  F&C Stewardship Growth 1 Acc GBP                                                               7.60
  F&C Stewardship Growth 1 Inc GBP                                                               7.60
  F&C Stewardship Income 1 Acc GBP                                                               7.52
  F&C Stewardship Income 1 Inc GBP                                                               7.52
  F&C Stewardship International 1 Acc GBP                                                        7.76
  F&C Stewardship International A Inc EUR                                                        8.00
  F&C Strategic Bond 1 Inc GBP                                                                   4.99
  F&C UK Growth & Income 1 Acc GBP                                                               7.91
  F&C UK Growth & Income 1 Inc GBP                                                               7.91
  F&C US Small Cap A Inc USD                                                                     7.85
  F&C US Smaller Companies 1 Inc GBP                                                             7.82
  Fidelity America A Inc EUR                                                                     7.94
  Fidelity America A Inc USD                                                                     7.94
  Fidelity American Inc GBP                                                                      7.99
  Fidelity American Special Situations Acc GBP                                                   7.87
  Fidelity Asean A Inc USD                                                                       7.84
  Fidelity Cash Accumulating Acc GBP                                                             3.80
  Fidelity Cash Gross Acc GBP                                                                    3.80
  Fidelity Cash Institutional Inc GBP                                                            3.80
  Fidelity China Focus A Acc GBP                                                                 7.93
  Fidelity China Focus A Acc USD                                                                 7.93
  Fidelity Emerging Europe Middle East and Africa Acc GBP                                        8.00
  Fidelity Emerging Markets A Inc USD                                                            7.92
  Fidelity Emrg Europe Mid East & Africa A Inc EUR                                               7.90
  Fidelity Euro Balanced A Inc EUR                                                               6.81
  Fidelity Euro Blue Chip A Inc EUR                                                              7.85
  Fidelity European Acc GBP                                                                      7.94
  Fidelity European Aggressive A Inc EUR                                                         7.93
  Fidelity European Bond A Inc EUR                                                               5.00
  Fidelity European Cash A Inc EUR                                                               3.80
  Fidelity European Growth A Inc EUR                                                             7.94
  Fidelity European High Yield A Inc EUR                                                         5.00
  Fidelity European Opportunities Acc GBP                                                        7.96
  Fidelity European Smaller Companies A Inc EUR                                                  7.94
  Fidelity Extra Income Gross Acc GBP                                                            4.96
  Fidelity Extra Income Gross Inc GBP                                                            4.94
  Fidelity Global Financial Services A Inc EUR                                                   7.75
  Fidelity Global Healthcare A Inc GBP                                                           7.81
  Fidelity Global Property A Acc USD                                                             7.43
  Fidelity Global Property A Inc GBP                                                             7.43
  Fidelity Global Property A Inc USD                                                             7.43
  Fidelity Global Property Acc GBP                                                               7.42
  Fidelity Global Special Situations Acc GBP                                                     7.82
  Fidelity Greater China A Inc USD                                                               7.84
  Fidelity Growth & Income Inc GBP                                                               7.97
  Fidelity Income Plus Inc GBP                                                                   7.94
  Fidelity India Focus A Acc USD                                                                 7.91
  Fidelity India Focus A Inc GBP                                                                 7.91
  Fidelity Indonesia A Inc USD                                                                   7.84
  Fidelity International A Inc USD                                                               8.00
  Fidelity International Acc GBP                                                                 7.96
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more details
  Fidelity International Bond A Inc USD                                                          5.01
  Fidelity Japan A Inc JPY                                                                       7.84
  Fidelity Japan Acc GBP                                                                         7.86
  Fidelity Japan Special Situations Acc GBP                                                      7.85
  Fidelity Latin America A Acc GBP                                                               7.88
  Fidelity Managed International Acc GBP                                                         7.91
  Fidelity MoneyBuilder Balanced Inc GBP                                                         6.53
  Fidelity MoneyBuilder Growth Inc GBP                                                           7.98
  Fidelity MoneyBuilder Income Retail Gross Inc GBP                                              4.87
  Fidelity MoneyBuilder UK Index Acc GPB                                                         8.00
  Fidelity Multi Asset Strategic Acc GBP                                                         6.12
  Fidelity Multi Manager Growth Portfolio Acc GBP                                                7.66
  Fidelity Multi Manager Income Portfolio Inc GBP                                                6.36
  Fidelity Pacific Ex Japan Institution Acc GBP                                                  7.94
  Fidelity Portfolio Acc GBP                                                                     7.43
  Fidelity Singapore A Inc USD                                                                   7.82
  Fidelity South East Asia A Inc USD                                                             7.84
  Fidelity South East Asia Acc GBP                                                               7.82
  Fidelity Special Situations Acc GBP                                                            7.90
  Fidelity Sterling Bond A Inc GBP                                                               5.03
  Fidelity Strategic Bond Gross Inc GBP                                                          5.01
  Fidelity Taiwan A Inc USD                                                                      7.88
  Fidelity Thailand A Inc USD                                                                    7.83
  Fidelity UK A Inc GBP                                                                          7.92
  Fidelity UK Aggressive Acc GBP                                                                 7.94
  Fidelity UK Growth Acc GBP                                                                     7.99
  Fidelity US Dollar Bond A Inc USD                                                              5.02
  Fidelity US Dollar Cash A Inc USD                                                              3.80
  Fidelity Wealthbuilder Acc GBP                                                                 7.83
  Fidelity World A Inc EUR                                                                       8.00
  First State Asia Pacific Leaders A Acc GBP                                                     7.87
  First State Asia Pacific Sustainability A Acc GBP                                              7.78
  First State Asian Equity Plus I Acc USD                                                        7.91
  First State Asian Equity Plus I Acc USD                                                        7.94
  First State Asian Growth I Inc USD                                                             7.87
  First State Asian Property Securities A Acc GBP                                                7.34
  First State Asian Property Securities A Inc GBP                                                7.34
  First State Asian Property Securities I Acc USD                                                7.42
  First State Asian Property Securities I Inc USD                                                7.42
  First State China Growth I Inc USD                                                             7.87
  First State Global Emerging Markets Leaders A Acc GBP                                          7.81
  First State Global Emerging Markets Leaders I Acc USD                                          7.78
  First State Global Growth A Acc GBP                                                            7.92
  First State Global Indian Subcontinent I Acc USD                                               7.77
  First State Global Listed Infrastructure A Acc GBP                                             7.79
  First State Global Listed Infrastructure A Inc GBP                                             7.79
  First State Global Listed Infrastructure I Inc USD                                             7.96
  First State Global Opportunities A Acc GBP                                                     7.93
  First State Global Property Securities A Acc GBP                                               7.28
  First State Global Property Securities A Inc GBP                                               7.28
  First State Global Resources A Acc GBP                                                         7.79
  First State Global Resources I Acc USD                                                         7.79
  First State Greater China Growth A Acc GBP                                                     7.92
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  First State Greater China Growth I Acc USD                                                     7.88
  First State Greater China Growth I Inc GBP                                                     7.91
  First State Hong Kong Growth I Acc USD                                                         7.93
  First State Indian Subcontinent A Acc GBP                                                      7.79
  First State Indian Subcontinent I Inc USD                                                      7.73
  Franklin Global REIT Primary A Acc GBP                                                         7.38
  Franklin India A (Ydis) Inc GBP                                                                7.83
  Franklin MENA A (Ydis) Inc GBP                                                                 7.79
  Franklin Mutual European A (Ydis) Inc GBP                                                      7.43
  Franklin Mutual Global Discovery A (Ydis) Inc GBP                                              7.43
  Franklin Mutual Shares Primary A Acc GBP                                                       7.77
  Franklin Templeton Japan A (Ydis) Inc GBP                                                      7.91
  Franklin US Equity Primary A Acc GBP                                                           7.80
  Franklin US Opportunities A (Ydis) Inc GBP                                                     7.89
  Franklin US Opportunities Primary A Acc GBP                                                    7.96
  Franklin World Perspectives A (Ydis) Inc GBP                                                   7.79
  Gartmore Cash Ret Acc GBP                                                                      3.80
  Gartmore Cautious Managed Retail Acc GBP                                                       6.21
  Gartmore Cautious Managed Retail Inc GBP                                                       6.21
  Gartmore China Opportunities Retail Acc GBP                                                    7.92
  Gartmore Corporate Bond Acc GBP                                                                4.99
  Gartmore Corporate Bond Inc GBP                                                                4.99
  Gartmore Emerging Markets Opportunities Retail Acc GBP                                         7.96
  Gartmore European Selected Opportunities Retail Acc GBP                                        7.94
  Gartmore Fixed Interest Retail Acc GBP                                                         5.02
  Gartmore Fixed Interest Retail Inc GBP                                                         5.02
  Gartmore High Yield Corporate Bond Institutional Inc GBP                                       5.03
  Gartmore High Yield Corporate Bond Retail Acc GBP                                              5.03
  Gartmore Multi Manager Absolute Return Acc GBP                                                 4.53
  Gartmore Multi Manager Active Acc GBP                                                          7.85
  Gartmore Multi Manager Balanced Acc GBP                                                        7.41
  Gartmore Multi Manager Balanced Ret Inc GBP                                                    7.41
  Gartmore Multi Manager Cautious Acc GBP                                                        6.81
  Gartmore Multi Manager Cautious Ret Inc GBP                                                    6.81
  Gartmore Pacific Opportunities Retail Acc GBP                                                  7.91
  Gartmore SICAV Asia Pacific A Acc EUR                                                          7.93
  Gartmore SICAV Asia Pacific B Acc EUR                                                          7.93
  Gartmore SICAV Asia Pacific D Inc USD                                                          7.93
  Gartmore SICAV Continental European A Acc EUR                                                  7.85
  Gartmore SICAV Continental European A1 Inc EUR                                                 7.85
  Gartmore SICAV Continental European A2 Inc EUR                                                 7.85
  Gartmore SICAV Continental European B Acc EUR                                                  7.85
  Gartmore SICAV Continental European D Acc USD                                                  7.85
  Gartmore SICAV Emerging Markets A Acc EUR                                                      7.96
  Gartmore SICAV Emerging Markets A2 Inc EUR                                                     7.96
  Gartmore SICAV Emerging Markets B Acc EUR                                                      7.96
  Gartmore SICAV Emerging Markets D Acc USD                                                      7.96
  Gartmore SICAV Emerging Markets D1 Acc USD                                                     7.96
  Gartmore SICAV Euro Money A2 Inc EUR                                                           3.80
  Gartmore SICAV Global Bond B Acc EUR                                                           5.03
  Gartmore SICAV Global Bond D2 Inc USD                                                          5.03
  Gartmore SICAV Japanese A Acc EUR                                                              8.00
  Gartmore SICAV Latin American A Acc EUR                                                        7.93
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Gartmore SICAV Latin American A2 Inc EUR                                                       7.93
  Gartmore SICAV Latin American B Acc EUR                                                        7.93
  Gartmore SICAV Latin American D1 Acc USD                                                       7.93
  Gartmore SICAV Pan European A Acc EUR                                                          8.00
  Gartmore SICAV Pan European A1 Acc EUR                                                         8.00
  Gartmore SICAV Pan European B Acc EUR                                                          8.00
  Gartmore SICAV Pan European Smaller Companies A Acc EUR                                        7.94
  Gartmore SICAV Pan European Smaller Companies A1 Acc EUR                                       7.94
  Gartmore SICAV Pan European Smaller Companies A2 Inc EUR                                       7.94
  Gartmore SICAV Pan European Smaller Companies B Acc EUR                                        7.94
  Gartmore SICAV Sterling Corporate Bond A Acc EUR                                               5.01
  Gartmore SICAV Sterling Corporate Bond A2 Inc EUR                                              5.01
  Gartmore SICAV Sterling Corporate Bond S2 Inc GBP                                              5.01
  Gartmore SICAV United Kingdom S1 Acc GBP                                                       8.00
  Gartmore SICAV US Opportunities A Acc EUR                                                      7.66
  Gartmore SICAV US Opportunities B Acc EUR                                                      7.66
  Gartmore SICAV US Opportunities D Acc USD                                                      7.66
  Gartmore UK Absolute Return Ret Acc GBP                                                        8.00
  Gartmore UK and Irish Smaller Companies Retail Acc GBP                                         7.96
  Gartmore UK Equity Income Retail Acc GBP                                                       7.97
  Gartmore UK Equity Income Retail Inc GBP                                                       7.97
  Gartmore UK Growth Ret Acc GBP                                                                 7.95
  Gartmore UK Index Retail Acc GBP                                                               7.97
  Gartmore UK Index Retail Inc GBP                                                               7.97
  Gartmore UK Long Dated Gilt Ret Acc GBP                                                        3.80
  Gartmore UK Tracker Retail Acc GBP                                                             7.94
  Gartmore US Growth Institutional Acc GBP                                                       7.67
  Gartmore US Opportunities Retail Acc GBP                                                       7.73
  Gateway Euro Equities R Acc EUR                                                                7.79
  Gateway US Equities R Acc USD                                                                  7.92
  Gateway US Equities R Inc USD                                                                  7.92
  GLG American Growth Retail Acc GBP                                                             8.00
  GLG Asia Pacific Retail Acc GBP                                                                8.00
  GLG Core Plus Sterling Bond Retail Acc GBP                                                     5.03
  GLG Core Plus Sterling Bond Retail Inc GBP                                                     5.03
  GLG Esprit Continental Europe Retail Acc GBP                                                   8.00
  GLG Gilt Retail Acc GBP                                                                        3.80
  GLG Gilt Retail Inc GBP                                                                        3.80
  GLG Global Corporate Bond Retail Acc GBP                                                       5.01
  GLG Global Corporate Bond Retail Inc GBP                                                       5.01
  GLG Japan CoreAlpha Retail Acc GBP                                                             7.97
  GLG Japan CoreAlpha Retail Inc GBP                                                             7.97
  GLG Technology Equity Retail Acc GBP                                                           7.90
  GLG Total Return Bond Retail Acc GBP                                                           3.80
  GLG Total Return Bond Retail Inc GBP                                                           3.80
  GLG UK Growth Retail Acc GBP                                                                   8.00
  GLG UK Income Retail Acc GBP                                                                   8.00
  GLG UK Income Retail Inc GBP                                                                   8.00
  GLG US Relative Value Retail Acc GBP                                                           8.00
  Global Protected Profits Acc GBP                                                               5.64
  Henderson All Stocks Credit A Inc GBP                                                          4.95
  Henderson Asia Pacific Capital Growth A Acc GBP                                                7.96
  Henderson Cash Retail Acc GBP                                                                  3.80
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Henderson European Opportunities A Acc GBP                                                     7.91
  Henderson European Smaller Companies A Acc GBP                                                 8.00
  Henderson Global Care Managed A Acc GBP                                                        7.33
  Henderson Global Care UK Income A Inc GBP                                                      7.98
  Henderson Global Technology A Acc GBP                                                          7.88
  Henderson Horizon American Equity A2 Acc USD                                                   7.94
  Henderson Horizon Asia Pacific Property Equity A1 Inc USD                                      7.27
  Henderson Horizon Asia Pacific Property Equity A2 Acc USD                                      7.27
  Henderson Horizon Asian Dividend Income A2 Acc USD                                             7.87
  Henderson Horizon Continental European Equity A2 Acc EUR                                       7.82
  Henderson Horizon Global Property Equity A2 Acc USD                                            7.32
  Henderson Horizon Global Technology A2 Acc USD                                                 7.73
  Henderson Horizon Japanese Equity A2 Acc USD                                                   7.88
  Henderson Horizon Pacific Equity A Acc USD                                                     7.90
  Henderson Horizon Pan European Alpha Plus A2 Acc EUR                                           8.00
  Henderson Horizon Pan European Equity A2 Acc EUR                                               7.83
  Henderson Horizon Pan European Property Equity A1 Inc EUR                                      7.39
  Henderson Horizon Pan European Property Equity A2 Acc EUR                                      7.39
  Henderson Index Linked Bond A Inc GBP                                                          3.80
  Henderson Industries of the Future A Inc GBP                                                   7.99
  Henderson Japan Capital Growth A Acc GBP                                                       7.93
  Henderson Long Dated Gilt A Inc GBP                                                            3.80
  Henderson Money Market Acc GBP                                                                 3.80
  Henderson Multi-manager Distribution A Inc GBP                                                 6.63
  Henderson Multi-manager Income & Growth A Inc GBP                                              6.52
  Henderson North American Enhanced Equity A Acc GBP                                             7.78
  Henderson Preference & Bond A Inc GBP                                                          4.92
  Henderson Strategic Bond A Inc GBP                                                             4.94
  Henderson UK Equity Income A Inc GBP                                                           7.95
  Henderson UK Gilt A Inc GBP                                                                    7.84
  Henderson UK Property A Acc GBP                                                                6.81
  Henderson UK Property A Inc GBP                                                                6.81
  HSBC All-Share Index Retail Acc GBP                                                            7.82
  HSBC All-Share Index Retail Inc GBP                                                            7.82
  HSBC Asian Growth Retail Acc GBP                                                               7.91
  HSBC Asian Growth Retail Inc GBP                                                               7.91
  HSBC Corporate Bond Retail Acc GBP                                                             4.98
  HSBC Corporate Bond Retail Inc GBP                                                             4.98
  HSBC European Growth Retail Acc GBP                                                            7.91
  HSBC European Growth Retail Inc GBP                                                            7.91
  HSBC European Index Retail Acc GBP                                                             7.94
  HSBC European Index Retail Inc GBP                                                             7.94
  HSBC FTSE 100 Index Acc GBP                                                                    7.90
  HSBC FTSE 100 Index Retail Inc GBP                                                             7.90
  HSBC FTSE 250 Index Retail Acc GBP                                                             7.99
  HSBC FTSE 250 Index Retail Inc GBP                                                             7.99
  HSBC GIF Asia Ex Japan Equity A Acc USD                                                        7.88
  HSBC GIF Asia Ex Japan Equity AD Inc USD                                                       7.88
  HSBC GIF Brazil Equity A Acc USD                                                               7.92
  HSBC GIF Brazil Equity A Inc USD                                                               7.92
  HSBC GIF Chinese Equity A Acc USD                                                              7.90
  HSBC GIF Chinese Equity A Inc USD                                                              7.90
  HSBC GIF Climate Change A Acc USD                                                              7.68
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  HSBC GIF Climate Change A Inc USD                                                              7.68
  HSBC GIF Global Emerging Markets Bond AC Acc USD                                               5.02
  HSBC GIF Global Emerging Markets Bond AD Inc USD                                               5.02
  HSBC GIF Global Emerging Markets Equity A Acc USD                                              7.96
  HSBC GIF Global Emerging Markets Equity A Inc USD                                              7.96
  HSBC GIF Global Emerging Markets Local Debt A Acc USD                                          3.80
  HSBC GIF Global Emerging Markets Local Debt AD Inc USD                                         3.80
  HSBC GIF Indian Equity A Acc USD                                                               7.82
  HSBC GIF Indian Equity A Inc USD                                                               7.82
  HSBC Gilt & Fixed Interest Retail Acc GBP                                                      4.98
  HSBC Gilt & Fixed Interest Retail Inc GBP                                                      4.98
  HSBC Income Retail Acc GBP                                                                     7.86
  HSBC Income Retail Inc GBP                                                                     7.86
  HSBC Japan Index Retail Acc GBP                                                                7.98
  HSBC Japan Index Retail Inc GBP                                                                7.98
  HSBC Open Global Distribution Acc GBP                                                          6.26
  HSBC Open Global Distribution Inc GBP                                                          6.26
  HSBC Open Global Property Acc GBP                                                              7.43
  HSBC Open Global Property Inc GBP                                                              7.43
  HSBC Open Global Return Acc GBP                                                                6.14
  HSBC Open Global Return Inc GBP                                                                6.14
  HSBC Pacific Index Retail Acc GBP                                                              8.00
  HSBC Pacific Index Retail Inc GBP                                                              8.00
  HSBC UK Freestyle Retail Acc GBP                                                               7.95
  HSBC UK Freestyle Retail Inc GBP                                                               7.95
  HSBC UK Growth & Income Acc GBP                                                                7.85
  HSBC UK Growth & Income Inc GBP                                                                7.85
  IFDS Apollo Balanced A Acc GBP                                                                 6.42
  IFDS Apollo Balanced D Acc GBP                                                                 6.42
  IFDS Apollo Cautious A Acc GBP                                                                 5.91
  IFDS Apollo Cautious D Acc GBP                                                                 5.91
  IFDS Frontier Map Balanced A Acc GBP                                                           6.09
  IFDS Prism Advanced A Acc GBP                                                                  7.46
  IFDS Prism Capital Growth A Acc GBP                                                            7.08
  IFDS Prism Cautious Growth A Acc GBP                                                           6.14
  IFSL Sinfonia Adventurous Growth B Acc GBP                                                     7.79
  IFSL Sinfonia Balanced Managed Portfolio B Acc GBP                                             6.86
  IFSL Sinfonia Cautious Managed Portfolio B Acc GBP                                             6.17
  IFSL Sinfonia Diversified Target Return Portfolio B Acc GBP                                    6.20
  IFSL Sinfonia Diversified Target Return Portfolio B Inc GBP                                    6.20
  IFSL Sinfonia Income and Growth Portfolio B Acc GBP                                            5.96
  IFSL Sinfonia Income and Growth Portfolio B Inc GBP                                            5.96
  IFSL Sinfonia Income Portfolio B Acc GBP                                                       5.39
  IFSL Sinfonia Income Portfolio B Inc GBP                                                       5.39
  Ignis American Growth Acc GBP                                                                  8.00
  Ignis American Growth Inc GBP                                                                  8.00
  Ignis Argonaut European Absolute Return Acc GBP                                                7.79
  Ignis Argonaut Pan European Alpha A Acc GBP                                                    8.00
  Ignis Argonaut Pan European Dividend Income A Acc GBP                                          8.00
  Ignis Argonaut Pan European Dividend Income A Inc GBP                                          8.00
  Ignis Balanced Growth Acc GBP                                                                  8.00
  Ignis Balanced Growth Inc GBP                                                                  8.00
  Ignis Cartesian UK Opportunities A Acc GBP                                                     8.00
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more details
  Ignis Corporate Bond Acc GBP                                                                   5.03
  Ignis Corporate Bond Inc GBP                                                                   5.03
  Ignis European Growth Acc GBP                                                                  8.00
  Ignis European Growth Inc GBP                                                                  8.00
  Ignis European Smaller Companies A Acc GBP                                                     8.00
  Ignis Global Equity Acc GBP                                                                    8.00
  Ignis Global Equity Inc GBP                                                                    8.00
  Ignis HEXAM Global Emerging Markets R Acc GBP                                                  7.92
  Ignis High Income Bond Acc GBP                                                                 5.03
  Ignis High Income Bond Inc GBP                                                                 5.03
  Ignis Higher Yield Acc GBP                                                                     8.00
  Ignis Higher Yield Inc GBP                                                                     8.00
  Ignis International HEXAM Global Emerging Markets A Inc GBP                                    8.00
  Ignis Japan Acc GBP                                                                            8.00
  Ignis Japan Inc GBP                                                                            8.00
  Ignis Maia Multi Manager Balanced A Acc GBP                                                    7.01
  Ignis Maia Multi Manager Balanced A Inc GBP                                                    7.01
  Ignis Maia Multi Manager Cautious A Acc GBP                                                    6.45
  Ignis Maia Multi Manager Cautious A Inc GBP                                                    6.45
  Ignis Maia Multi Manager Growth A Acc GBP                                                      7.28
  Ignis Maia Multi Manager Growth A Inc GBP                                                      7.28
  Ignis Managed Portfolio Acc GBP                                                                7.43
  Ignis Managed Portfolio Inc GBP                                                                7.43
  Ignis Pacific Growth Acc GBP                                                                   8.00
  Ignis Pacific Growth Inc GBP                                                                   8.00
  Ignis Smaller Companies Acc GBP                                                                8.00
  Ignis Smaller Companies Inc GBP                                                                8.00
  Ignis UK Focus Acc GBP                                                                         8.00
  Ignis UK Property Acc GBP                                                                      7.50
  Ignis UK Property Inc GBP                                                                      7.50
  Insight Diversified High Income A Acc GBP                                                      5.87
  Insight Diversified High Income A Inc GBP                                                      5.87
  Insight Diversified Target Return A Acc GBP                                                    4.82
  Invesco Asia Infrastructure A Acc USD                                                          7.92
  Invesco Asia Infrastructure A Inc USD                                                          7.92
  Invesco Asian Equity A Inc USD                                                                 7.91
  Invesco Asian Equity A Inc USD                                                                 7.95
  Invesco Bond A Inc USD                                                                         4.96
  Invesco Continental European Equity A Inc EUR                                                  7.99
  Invesco Emerging Europe Equity A Acc USD                                                       7.93
  Invesco Emerging Markets Equity A Inc USD                                                      7.91
  Invesco Energy E Acc EUR                                                                       8.00
  Invesco Euro Inflation Linked Bond A Acc EUR                                                   5.02
  Invesco European Bond A Acc EUR                                                                4.95
  Invesco Gilt A Inc GBP                                                                         5.01
  Invesco Global Bond A Acc USD                                                                  4.17
  Invesco Global Bond A Inc USD                                                                  4.17
  Invesco Global High Income A Inc USD                                                           4.58
  Invesco Global High Income AH Acc EUR                                                          4.58
  Invesco Global Real Estate Securities A Inc USD                                                7.46
  Invesco Global Select Equity A Inc USD                                                         7.81
  Invesco Global Small Cap Equity A Inc USD                                                      7.92
  Invesco Global Structured Equity A INC USD                                                     7.74
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Invesco Global Technology A Inc USD                                                            7.79
  Invesco Global Telecom A Inc USD                                                               7.76
  Invesco Japanese Equity A Inc USD                                                              7.92
  Invesco Japanese Equity Core A Inc USD                                                         8.00
  Invesco Nippon Small Mid Cap Equity A Acc JPY                                                  7.84
  Invesco Offshore UK Equity Income A Inc GBP                                                    7.94
  Invesco Pacific Equity A Inc USD                                                               7.99
  Invesco Pan European Equity A Acc EUR                                                          7.97
  Invesco Pan European Equity A Inc EUR                                                          7.97
  Invesco Pan European Small Cap Equity A Acc EUR                                                7.87
  Invesco Perpetual Asian Acc GBP                                                                7.93
  Invesco Perpetual Asian Inc GBP                                                                7.93
  Invesco Perpetual Corporate Bond Acc GBP                                                       5.02
  Invesco Perpetual Corporate Bond Gross Acc GBP                                                 5.02
  Invesco Perpetual Corporate Bond Gross Inc GBP                                                 5.02
  Invesco Perpetual Corporate Bond Inc GBP                                                       5.02
  Invesco Perpetual Distribution Gross Acc GBP                                                   5.92
  Invesco Perpetual Distribution Gross Inc GBP                                                   5.92
  Invesco Perpetual Distribution Net Acc GBP                                                     5.92
  Invesco Perpetual Distribution Net Inc GBP                                                     5.92
  Invesco Perpetual Emerging Countries Acc GBP                                                   7.94
  Invesco Perpetual European Equity Acc GBP                                                      7.99
  Invesco Perpetual European Equity Inc GBP                                                      7.99
  Invesco Perpetual European High Yield Gross Acc GBP                                            5.00
  Invesco Perpetual European Smaller Companies Acc GBP                                           7.83
  Invesco Perpetual Global Bond Acc GBP                                                          4.92
  Invesco Perpetual Global Bond Gross Acc GBP                                                    4.92
  Invesco Perpetual Global Bond Gross Inc GBP                                                    4.92
  Invesco Perpetual Global Bond Inc GBP                                                          4.92
  Invesco Perpetual Global Equity Acc GBP                                                        7.94
  Invesco Perpetual Global Equity Inc GBP                                                        7.94
  Invesco Perpetual Global Equity Income Acc GBP                                                 7.89
  Invesco Perpetual Global Smaller Companies Acc GBP                                             7.95
  Invesco Perpetual Global Smaller Companies Inc GBP                                             7.95
  Invesco Perpetual High Income Acc GBP                                                          8.00
  Invesco Perpetual High Income Inc GBP                                                          8.00
  Invesco Perpetual Hong Kong & China Acc GBP                                                    7.88
  Invesco Perpetual Income & Growth Acc GBP                                                      8.00
  Invesco Perpetual Income & Growth Inc GBP                                                      8.00
  Invesco Perpetual Income Acc GBP                                                               8.00
  Invesco Perpetual Income Inc GBP                                                               8.00
  Invesco Perpetual Japan Acc GBP                                                                7.95
  Invesco Perpetual Japanese Smaller Companies Acc GBP                                           7.83
  Invesco Perpetual Latin America Acc GBP                                                        8.00
  Invesco Perpetual Managed Growth Acc GBP                                                       8.00
  Invesco Perpetual Managed Income Acc GBP                                                       8.00
  Invesco Perpetual Managed Income Inc GBP                                                       8.00
  Invesco Perpetual Money Acc GBP                                                                3.80
  Invesco Perpetual Monthly Income Plus Acc GBP                                                  5.56
  Invesco Perpetual Monthly Income Plus Gross Acc GBP                                            5.56
  Invesco Perpetual Monthly Income Plus Gross Inc GBP                                            5.56
  Invesco Perpetual Monthly Income Plus Inc GBP                                                  5.56
  Invesco Perpetual Pacific Acc GBP                                                              7.94
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Invesco Perpetual UK Aggressive Acc GBP                                                        8.00
  Invesco Perpetual UK Aggressive Inc GBP                                                        8.00
  Invesco Perpetual UK Growth Acc GBP                                                            8.00
  Invesco Perpetual UK Growth Inc GBP                                                            8.00
  Invesco Perpetual US Equity Acc GBP                                                            7.96
  Invesco PRC Equity A Acc USD                                                                   7.95
  Invesco Sterling Bond A Acc GBP                                                                5.05
  Invesco Sterling Reserve A Acc GBP                                                             3.80
  Invesco UK Equity A ACC GBP                                                                    7.91
  Invesco UK Investment Grade Bond A Inc GBP                                                     5.02
  Invesco US Equity A Inc USD                                                                    7.94
  Invesco US Structured Equity A Acc USD                                                         7.96
  Investec American A Acc GBP                                                                    7.75
  Investec Asia Ex Japan A Acc GBP                                                               7.88
  Investec Balanced Managed A Inc GBP                                                            6.97
  Investec Capital Accumulator A Net Acc GBP                                                     6.91
  Investec Cautious Managed A Acc GBP                                                            6.31
  Investec Cautious Managed A Inc GBP                                                            6.31
  Investec Emerging Markets Debt A Acc GBP                                                       4.93
  Investec Enhanced Natural Resources P Acc GBP                                                  6.74
  Investec European A Acc GBP                                                                    7.94
  Investec Global Bond A Gross Inc GBP                                                           4.96
  Investec Global Dynamic A Acc GBP                                                              7.98
  Investec Global Energy A Acc GBP                                                               7.84
  Investec Global Equity A Acc GBP                                                               7.96
  Investec Global Free Enterprise A Acc GBP                                                      7.94
  Investec GSF Africa & Middle East A Gross Acc USD                                              7.63
  Investec GSF American Equity A Inc USD                                                         7.87
  Investec GSF Asian Equity A Inc USD                                                            7.89
  Investec GSF Continental European Equity A Inc USD                                             7.94
  Investec GSF Currency Alpha A Inc Gross GBP                                                    3.80
  Investec GSF Emerging Markets Debt A Gross Acc USD                                             3.84
  Investec GSF Emerging Markets Debt A Gross Inc USD                                             3.84
  Investec GSF Euro Money A Inc EUR                                                              3.80
  Investec GSF Global Bond A Gross Acc USD                                                       4.95
  Investec GSF Global Bond A Inc USD                                                             4.95
  Investec GSF Global Energy A Inc USD                                                           7.87
  Investec GSF Global Equity A Inc USD                                                           7.95
  Investec GSF Global Gold A Acc USD                                                             7.92
  Investec GSF Global Gold A Inc USD                                                             7.92
  Investec GSF Global Growth A Inc USD                                                           7.94
  Investec GSF Global Strategic Equity A Inc USD                                                 7.93
  Investec GSF Global Strategic Managed A Gross Acc USD                                          6.66
  Investec GSF Global Strategic Managed A Gross Inc USD                                          6.66
  Investec GSF High Income Bond A Inc EUR                                                        4.98
  Investec GSF High Income Bond A Inc USD                                                        5.01
  Investec GSF Japan Equity A Inc USD                                                            7.94
  Investec GSF Managed Currency A Acc USD                                                        3.80
  Investec GSF Managed Currency A Inc USD                                                        3.80
  Investec GSF Sterling Money A Acc GBP                                                          3.80
  Investec GSF Sterling Money A Inc GBP                                                          3.80
  Investec GSF UK Equity A Inc GBP                                                               7.94
  Investec GSF US Dollar Money A Inc USD                                                         3.80
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Investec Managed Distribution A Acc GBP                                                        5.78
  Investec Managed Distribution A Inc GBP                                                        5.78
  Investec Managed Growth A Acc GBP                                                              7.82
  Investec Monthly High Income A Acc GBP                                                         5.00
  Investec Monthly High Income A Inc GBP                                                         5.00
  Investec Multi Asset Protector A Acc GBP                                                       6.11
  Investec Sterling Bond A Net Acc GBP                                                           4.99
  Investec Target Return A Acc GBP                                                               4.22
  Investec UK Alpha A Acc GBP                                                                    7.94
  Investec UK Blue Chip A Acc GBP                                                                7.93
  Investec UK Smaller Companies A Acc GBP                                                        7.86
  Investec UK Smaller Companies A Inc GBP                                                        7.86
  Investec UK Special Situations A Net Acc GBP                                                   7.68
  Investec UK Special Situations A Net Inc GBP                                                   7.68
  Iveagh Wealth Acc GBP                                                                          5.24
  Iveagh Wealth Inc GBP                                                                          5.24
  Iveagh Wealth Y Acc GBP                                                                        5.24
  JPM America Equity A Inc USD                                                                   8.00
  JPM Asia A Acc GBP                                                                             7.90
  JPM Balanced Total Return A Acc GBP                                                            5.64
  JPM Cautious Total Return A Acc GBP                                                            4.46
  JPM Eastern Europe Equity A Inc EUR                                                            7.83
  JPM Emerging Europe Middle East and Africa Equity A Acc USD                                    7.86
  JPM Emerging Markets A Acc GBP                                                                 7.83
  JPM Emerging Markets Equity A Acc USD                                                          7.91
  JPM Emerging Markets Equity A Inc USD                                                          7.92
  JPM Euro Smaller Cap A Acc EUR                                                                 7.90
  JPM Euroland Equity A Acc EUR                                                                  7.79
  JPM Europe A Acc GBP                                                                           7.73
  JPM Europe Balanced A Dist Inc EUR                                                             5.90
  JPM Europe Dynamic ex UK A Acc GBP                                                             7.80
  JPM Europe Equity A Acc EUR                                                                    8.00
  JPM Europe Strategic Value A Acc EUR                                                           7.93
  JPM European Small Companies A Acc GBP                                                         7.85
  JPM European Technology A Acc EUR                                                              7.95
  JPM Global A Acc GBP                                                                           7.94
  JPM Global Dynamic A Acc EUR                                                                   7.96
  JPM Global Equity A Acc USD                                                                    7.89
  JPM Global Equity A Hedged Inc EUR                                                             7.89
  JPM Global Equity Income A Acc GBP                                                             7.91
  JPM Global ex UK Bond A Inc GBP                                                                4.96
  JPM Global Financials A Acc GBP                                                                4.96
  JPM Global High Yield Bond A Acc GBP                                                           4.94
  JPM Global High Yield Bond A Inc GBP                                                           4.94
  JPM Global Natural Resources A Acc EUR                                                         8.00
  JPM Global Natural Resources A Acc USD                                                         8.00
  JPM Global Natural Resources A Inc EUR                                                         8.00
  JPM Global Property Securities A Acc GBP                                                       7.41
  JPM Global Property Securities A Inc GBP                                                       7.41
  JPM Global Real Estate Securities A Acc USD                                                    7.44
  JPM Global Real Estate Securities A Inc EUR                                                    7.44
  JPM Highbridge Statistical Market Neutral A Acc USD                                            6.74
  JPM Highbridge Statistical Market Neutral A Hedged Inc GBP                                     6.74
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more details
  JPM Highbridge Statistical Market Neutral A Inc GBP                                            6.74
  JPM Japan A Acc GBP                                                                            8.00
  JPM Japan Equity A Acc USD                                                                     8.00
  JPM Japan Equity A Inc USD                                                                     8.00
  JPM JF Asia Pacific ex-Japan Equity A Acc USD                                                  7.77
  JPM JF China A Acc USD                                                                         7.91
  JPM JF Hong Kong A Acc USD                                                                     7.91
  JPM JF Hong Kong A Inc USD                                                                     7.91
  JPM JF India A Inc USD                                                                         7.81
  JPM JF Japan Small Cap A Inc USD                                                               8.00
  JPM JF Taiwan A Inc USD                                                                        7.90
  JPM Latin America Equity A Acc USD                                                             7.87
  JPM Middle East Equity A Acc USD                                                               7.90
  JPM Middle East Equity A Dist Inc USD                                                          7.90
  JPM Multi Manager Growth A Acc GBP                                                             8.00
  JPM Natural Resources A Acc GBP                                                                8.00
  JPM New Europe A Acc GBP                                                                       8.00
  JPM Pacific Equity A Acc USD                                                                   7.70
  JPM Pacific Equity A Inc USD                                                                   7.70
  JPM Premier Equity Growth A Acc GBP                                                            7.93
  JPM Premier Equity Income A Acc GBP                                                            7.93
  JPM Singapore A Inc USD                                                                        7.82
  JPM Sterling Bond A Acc GBP                                                                    5.00
  JPM Sterling Bond A Inc GBP                                                                    5.00
  JPM Sterling Corp Bond A Acc GBP                                                               5.03
  JPM Sterling Liquidity A Acc GBP                                                               3.80
  JPM Taiwan A Acc USD                                                                           7.90
  JPM UK Dynamic A Acc GBP                                                                       7.88
  JPM UK Equity & Bond Income A Acc GBP                                                          7.11
  JPM UK Equity A Inc GBP                                                                        8.00
  JPM UK Smaller Companies A Acc GBP                                                             7.93
  JPM UK Strategic Equity Income A Acc GBP                                                       7.93
  JPM UK Strategic Equity Income A Inc GBP                                                       7.93
  JPM US A Acc GBP                                                                               8.00
  JPM US Bond A Acc USD                                                                          4.98
  JPM US Equity A Acc USD                                                                        7.90
  JPM US Select A Acc GBP                                                                        8.00
  JPM US Smaller Companies A Acc GBP                                                             8.00
  JPM US Technology A Inc USD                                                                    8.00
  JPM US Value A Inc USD                                                                         8.00
  Jupiter Absolute Return Acc GBP                                                                8.00
  Jupiter Asian Inc GBP                                                                          7.90
  Jupiter China Acc GBP                                                                          7.98
  Jupiter Corporate Bond Inc GBP                                                                 4.99
  Jupiter Distribution Acc GBP                                                                   5.93
  Jupiter Distribution Inc GBP                                                                   5.93
  Jupiter Ecology Inc GBP                                                                        7.55
  Jupiter Emerging European Opportunities Acc GBP                                                7.88
  Jupiter Environmental Income Acc GBP                                                           7.75
  Jupiter European Inc GBP                                                                       7.98
  Jupiter European Special Situations Acc GBP                                                    7.69
  Jupiter Financial Opportunities Inc GBP                                                        6.73
  Jupiter Fund of Investment Trusts Inc GBP                                                      7.85
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more details
  Jupiter Global Climate Change Solution L Acc EUR                                               7.66
  Jupiter Global Managed Inc GBP                                                                 7.67
  Jupiter High Income Inc GBP                                                                    7.37
  Jupiter Income Inc GBP                                                                         7.75
  Jupiter India Acc GBP                                                                          7.60
  Jupiter International Financials Acc GBP                                                       6.74
  Jupiter Japan Income Acc GBP                                                                   7.88
  Jupiter Japan Income Inc GBP                                                                   7.88
  Jupiter Merlin Balanced Portfolio Acc GBP                                                      6.99
  Jupiter Merlin Balanced Portfolio Inc GBP                                                      6.99
  Jupiter Merlin Growth Portfolio Acc GBP                                                        7.75
  Jupiter Merlin Growth Portfolio Inc GBP                                                        7.75
  Jupiter Merlin Income Portfolio Acc GBP                                                        6.54
  Jupiter Merlin Income Portfolio Inc GBP                                                        6.54
  Jupiter Merlin Worldwide Portfolio Acc GBP                                                     7.60
  Jupiter Monthly Income Acc GBP                                                                 7.51
  Jupiter Monthly Income Inc GBP                                                                 7.51
  Jupiter Strategic Bond Acc GBP                                                                 5.02
  Jupiter UK Growth Inc GBP                                                                      7.87
  Jupiter UK Smaller Companies Acc GBP                                                           7.93
  Jupiter Undervalued Assets Acc GBP                                                             7.72
  L&G All Stocks Index-linked Gilt Index Acc GBP                                                 3.80
  L&G All Stocks Index-linked Gilt Index Inc GBP                                                 3.80
  L&G Cash Trust Retail Acc GBP                                                                  3.80
  L&G Distribution Retail Acc GBP                                                                5.96
  L&G Distribution Retail Inc GBP                                                                5.96
  L&G Diversified Absolute Return Trust Retail Acc GBP                                           3.80
  L&G Diversified Absolute Return Trust Retail Inc GBP                                           3.80
  L&G Dynamic Bond Trust A Acc GBP                                                               4.93
  L&G Dynamic Bond Trust A Inc GBP                                                               4.93
  L&G European Index Trust Retail Acc GBP                                                        7.97
  L&G European Index Trust Retail Inc GBP                                                        7.97
  L&G Fixed Interest Trust Retail Acc GBP                                                        4.96
  L&G Fixed Interest Trust Retail Inc GBP                                                        4.96
  L&G Growth Trust Retail Inc GBP                                                                7.91
  L&G High Income Trust Retail Acc GBP                                                           4.95
  L&G High Income Trust Retail Inc GBP                                                           4.95
  L&G Japan Index Trust Retail Inc GBP                                                           7.98
  L&G Japanese Index Trust Retail Acc GBP                                                        7.98
  L&G North American Trust Acc GBP                                                               7.93
  L&G Pacific Index Trust Retail Acc GBP                                                         7.92
  L&G UK 100 Index Trust Retail Acc GBP                                                          7.89
  L&G UK Alpha Trust Retail Acc GBP                                                              7.87
  L&G UK Index Trust Retail Acc GBP                                                              7.90
  L&G UK Index Trust Retail Inc GBP                                                              7.90
  L&G UK Property Trust Retail Acc GBP                                                           6.55
  L&G UK Property Trust Retail Inc GBP                                                           6.55
  L&G UK Special Situations Trust Retail Acc GBP                                                 7.79
  L&G UK Special Situations Trust Retail Inc GBP                                                 7.79
  L&G US Index Trust Retail Acc GBP                                                              7.95
  L&G US Index Trust Retail Inc GBP                                                              7.95
  L&G UT Pacific Index Trust Retail Inc GBP                                                      7.92
  Lazard Emerging Markets Growth Retail Inc GBP                                                  7.81
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Lazard Emerging Markets Retail Acc GBP                                                         7.81
  Lazard Emerging World R Inc USD                                                                7.79
  Lazard European Alpha Retail Inc GBP                                                           7.86
  Lazard European Equity Retail Inc EUR                                                          7.92
  Lazard Global High Quality Bond Retail Inc USD                                                 4.69
  Lazard Japanese Equity Inc JPY                                                                 7.91
  Lazard North American Equity R Inc USD                                                         7.91
  Lazard Sterling Global High Quality Bond Retail Inc GBP                                        4.34
  Lazard UK Alpha Retail Inc GBP                                                                 7.88
  Lazard UK Income Retail Acc GBP                                                                7.91
  Lazard UK Income Retail Inc GBP                                                                7.91
  Lazard UK Omega Retail Inc GBP                                                                 8.00
  Lazard UK Smaller Companies Retail Inc GBP                                                     7.84
  Legg Mason Asia Pacific A Acc GBP                                                              7.91
  Legg Mason Batterymarch Emerging Markets Equity A Acc EUR                                      7.93
  Legg Mason Batterymarch Emerging Markets Equity A Acc USD                                      7.93
  Legg Mason Brandywine Global Fixed Income A (H) Acc EUR                                        4.96
  Legg Mason Brandywine Global Fixed Income A (S) Inc USD                                        4.96
  Legg Mason Brandywine Global Fixed Income A Acc USD                                            4.96
  Legg Mason Capital Management Value A (A) Inc USD                                              7.85
  Legg Mason Capital Management Value A Acc EUR                                                  7.85
  Legg Mason Capital Management Value A Acc USD                                                  7.85
  Legg Mason ClearBridge US Aggressive Growth A (A) Inc USD                                      7.90
  Legg Mason ClearBridge US Aggressive Growth A Acc USD                                          7.90
  Legg Mason ClearBridge US Appreciation A (A) Inc USD                                           7.66
  Legg Mason ClearBridge US Appreciation A Acc EUR                                               7.66
  Legg Mason ClearBridge US Appreciation A Acc USD                                               7.66
  Legg Mason Continental European Equity A Acc GBP                                               7.92
  Legg Mason GC Global Equity A (A) Inc USD                                                      7.85
  Legg Mason GC Global Equity A Acc USD                                                          7.85
  Legg Mason Global Equity Income A Inc GBP                                                      7.91
  Legg Mason Global Multi Strategy Bond A Inc GBP                                                4.47
  Legg Mason Japan Equity A Acc GBP                                                              7.91
  Legg Mason Royce Smaller Companies A (A) Inc USD                                               7.65
  Legg Mason Royce Smaller Companies A Acc Euro                                                  7.65
  Legg Mason Royce Smaller Companies A Acc USD                                                   7.65
  Legg Mason Royce US Small Cap Opportunity A (A) Inc USD                                        7.65
  Legg Mason Royce US Small Cap Opportunity A Acc Euro                                           7.65
  Legg Mason Royce US Small Cap Opportunity A Acc USD                                            7.65
  Legg Mason Sterling Corporate Plus Bond A Inc GBP                                              5.02
  Legg Mason UK Equity A Acc GBP                                                                 7.93
  Legg Mason US Equity A Acc GBP                                                                 7.89
  Legg Mason US Smaller Companies A Acc GBP                                                      7.69
  Legg Mason Western Asset Asian Opportunities A (D) Inc USD                                     4.72
  Legg Mason Western Asset Asian Opportunities A Acc EUR                                         4.72
  Legg Mason Western Asset Asian Opportunities A Acc USD                                         4.72
  Legg Mason Western Asset Diverse Strat IncomeA/M/Hed Inc EUR                                   4.93
  Legg Mason Western Asset Diversified Strat Income A Acc USD                                    4.93
  Legg Mason Western Asset Diversified Strat Income A/D Inc USD                                  4.93
  Legg Mason Western Asset Diversified Strat Income A/M Inc USD                                  4.93
  Legg Mason Western Asset Diversified Strat IncomeA/H Acc Eur                                   4.93
  Legg Mason Western Asset Global High Yield A (D) Inc USD                                       4.91
  Legg Mason Western Asset Global High Yield A (M) Inc USD                                       4.91
  These fund and asset 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.


                                   Mutual Fund Name                                 Fund specific projection rate
For more details
  Legg Mason Western Asset Global High Yield A Acc USD                                           4.91
  Legg Mason Western Asset Global Multi Strategy A (M) Inc USD                                   4.92
  Legg Mason Western Asset Global Multi Strategy A (M/H) Inc EUR                                 4.92
  Legg Mason Western Asset Global Multi Strategy A Acc USD                                       4.92
  Legg Mason Western Asset Global Multi Strategy A/D Inc USD                                     4.92
  Legg Mason Western Asset Global Multi Strategy A/H Acc EUR                                     4.92
  Liontrust Absolute Return Acc GBP                                                              4.23
  Liontrust Continental Europe Inc GBP                                                           7.87
  Liontrust First Growth Inc GBP                                                                 7.87
  Liontrust First Income Inc GBP                                                                 7.93
  Liontrust First Large Capital Inc GBP                                                          7.89
  Liontrust First Opportunities Inc GBP                                                          7.78
  Liontrust Intellectual Capital Trust Inc GBP                                                   7.71
  Loomis Sayles Global Credit R Acc USD                                                          5.00
  Loomis Sayles Global Growth R Acc USD                                                          7.87
  Loomis Sayles Global Opp Bond R Acc EUR                                                        4.42
  Loomis Sayles Global Opp Bond R Inc GBP                                                        4.42
  Loomis Sayles Global Opp Bond R Inc USD                                                        4.42
  Loomis Sayles Multisector Income R Acc EUR                                                     4.85
  Loomis Sayles Multisector Income R DM Inc USD                                                  4.85
  Loomis Sayles Multisector Income R Inc GBP                                                     4.85
  Loomis Sayles Multisector Income R Inc USD                                                     4.85
  M&G American A Acc GBP                                                                         8.00
  M&G American A Inc GBP                                                                         8.00
  M&G Asian A Acc GBP                                                                            7.93
  M&G Asian A Inc GBP                                                                            7.93
  M&G Corporate Bond A Acc GBP                                                                   4.98
  M&G Corporate Bond A Inc GBP                                                                   4.98
  M&G Dividend A Acc GBP                                                                         8.00
  M&G Emerging Markets Bond Acc GBP                                                              4.99
  M&G Emerging Markets Bond Inc GBP                                                              4.99
  M&G European Corporate Bond Retail A Acc GBP                                                   4.99
  M&G European Corporate Bond Retail A Inc GBP                                                   4.99
  M&G European GBP A Acc GBP                                                                     8.00
  M&G European High Yield Bond A Acc GBP                                                         4.98
  M&G European Index Tracker A Acc GBP                                                           8.00
  M&G European Smaller Companies A Acc GBP                                                       7.99
  M&G Extra Income A Acc GBP                                                                     6.74
  M&G Extra Income A Inc GBP                                                                     6.74
  M&G Fund of Investment Trust Shares A Acc GBP                                                  8.00
  M&G Gilt & Fixed Interest Income A Acc GBP                                                     3.80
  M&G Gilt & Fixed Interest Income A Inc GBP                                                     3.80
  M&G Global Basics A Acc GBP                                                                    7.95
  M&G Global Convertible A Acc GBP                                                               5.03
  M&G Global Dividend A Inc GBP                                                                  7.87
  M&G Global Growth A Acc GBP                                                                    7.89
  M&G Global Growth A Inc GBP                                                                    7.89
  M&G Global Leaders A Acc GBP                                                                   7.94
  M&G Global Leaders A Inc GBP                                                                   7.94
  M&G High Interest A Inc GBP                                                                    3.80
  M&G High Yield Corporate Bond A Acc GBP                                                        4.99
  M&G High Yield Corporate Bond A Inc GBP                                                        4.99
  M&G Index Linked Bond A Inc GBP                                                                5.02
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  M&G Index Tracker A Acc GBP                                                                    8.00
  M&G Japan Smaller Companies A Acc GBP                                                          8.00
  M&G Managed A Acc GBP                                                                          7.52
  M&G Managed Growth A Acc GBP                                                                   8.00
  M&G North American Value A Acc GBP                                                             8.00
  M&G North American Value A Inc GBP                                                             8.00
  M&G Offshore Corporate Bond Inc GBP                                                            4.99
  M&G Offshore Global Leaders Inc GBP                                                            8.00
  M&G Offshore High Yield Corporate Bond Inc GBP                                                 5.00
  M&G Offshore UK Growth Inc GBP                                                                 8.00
  M&G Optimal Income A Acc GBP                                                                   5.19
  M&G Optimal Income A Inc GBP                                                                   5.19
  M&G Pan European A Inc GBP                                                                     7.97
  M&G Property Portfolio A Acc GBP                                                               7.50
  M&G Property Portfolio A Inc GBP                                                               7.50
  M&G Recovery A Acc GBP                                                                         7.68
  M&G Recovery A Inc GBP                                                                         7.68
  M&G Smaller Companies A Acc GBP                                                                7.83
  M&G Strategic Corporate Bond A Acc GBP                                                         5.00
  M&G Strategic Corporate Bond A Inc GBP                                                         5.00
  M&G UK Select A Acc GBP                                                                        7.94
  M&G UK Select A Inc GBP                                                                        7.94
  Margetts Future Money Dynamic Growth Acc GBP                                                   6.74
  Margetts Future Money Income Acc GBP                                                           6.09
  Margetts Future Money Income Inc GBP                                                           6.09
  Margetts Future Money Real Growth Acc GBP                                                      5.90
  Margetts Future Money Real Value Acc GBP                                                       5.48
  Margetts Greystone International Equity Acc GBP                                                7.88
  Margetts Greystone UK Equity Acc GBP                                                           7.79
  Margetts International Strategy Acc GBP                                                        7.68
  Margetts Providence Strategy Acc GBP                                                           6.21
  Margetts Providence Strategy Inc GBP                                                           6.21
  Margetts Select Strategy Acc GBP                                                               7.24
  Margetts St John Realistic Core Acc GBP                                                        6.92
  Margetts St John Realistic Core Inc GBP                                                        6.92
  Margetts Venture Strategy Acc GBP                                                              7.83
  Marlborough Special Situations Acc GBP                                                         7.98
  Martin Currie Asia Pacific A Acc GBP                                                           7.90
  Martin Currie Emerging Markets A Acc GBP                                                       7.87
  Martin Currie European A Acc GBP                                                               7.82
  Martin Currie GF Asia Pacific Acc EUR                                                          7.88
  Martin Currie GF Asia Pacific Acc USD                                                          8.00
  Martin Currie GF Global Resources Acc GBP                                                      8.00
  Martin Currie GF Global Resources Acc USD                                                      8.00
  Martin Currie GF Japan Acc JPY                                                                 7.87
  Martin Currie GF Japan Acc USD                                                                 7.87
  Martin Currie GF North American Acc EUR                                                        7.92
  Martin Currie GF North American Acc USD                                                        7.92
  Martin Currie GF Pan European Alpha Acc EUR                                                    7.75
  Martin Currie Global A Acc GBP                                                                 7.93
  Martin Currie Global Alpha A Acc GBP                                                           7.93
  Martin Currie Global Greater China Acc USD                                                     7.91
  Martin Currie Japan A Acc GBP                                                                  7.89
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Martin Currie Japan Alpha A Acc GBP                                                            7.86
  Martin Currie North American A Acc GBP                                                         7.95
  Martin Currie North American Alpha A Acc GBP                                                   7.93
  Martin Currie UK Equity Income A Acc GBP                                                       8.00
  Martin Currie UK Equity Income A Inc GBP                                                       8.00
  Martin Currie UK Growth A Acc GBP                                                              7.94
  McInroy & Wood Balanced R Inc GBP                                                              6.87
  McInroy & Wood Emerging Markets R Inc GBP                                                      7.68
  McInroy & Wood Income R Inc GBP                                                                6.87
  McInroy & Wood Smaller Companies R Inc GBP                                                     7.74
  Morgan Stanley American Franchise A Acc USD                                                    7.73
  Morgan Stanley Asian Equity A Acc USD                                                          7.86
  Morgan Stanley Asian Property A Acc USD                                                        7.33
  Morgan Stanley Commodities Alpha Plus A Acc USD                                                6.74
  Morgan Stanley Diversified Alpha Plus VaR 400 A Acc EUR                                        6.81
  Morgan Stanley Emerging Markets Debt A Acc USD                                                 3.80
  Morgan Stanley Emerging Markets Domestic Debt A Acc USD                                        3.80
  Morgan Stanley Emerging Markets Equity A Acc USD                                               7.86
  Morgan Stanley Emg Eur Mid East & Africa Eq A Acc EUR                                          7.87
  Morgan Stanley Euro Bond A Acc EUR                                                             4.98
  Morgan Stanley Euro Corporate Bond A Acc EUR                                                   4.96
  Morgan Stanley Euro Currencies High Yield Bd A Acc EUR                                         4.95
  Morgan Stanley Euro Strategic Bond Acc USD                                                     4.95
  Morgan Stanley Europe Ex UK Equity A Acc GBP                                                   7.87
  Morgan Stanley European Equity A Acc EUR                                                       7.81
  Morgan Stanley European Property A Acc EUR                                                     7.29
  Morgan Stanley FX Alpha Plus RC 200 Euro A Acc EUR                                             3.80
  Morgan Stanley FX Alpha Plus RC 400 Euro A Acc EUR                                             3.80
  Morgan Stanley FX Alpha Plus RC 800 Euro A Acc EUR                                             3.80
  Morgan Stanley Global Bond A Acc USD                                                           4.94
  Morgan Stanley Global Convertible Bond A Acc USD                                               4.96
  Morgan Stanley Global Property A Acc USD                                                       7.37
  Morgan Stanley Japanese EQ Advantage A Acc JPY                                                 7.91
  Morgan Stanley Japanese Value Equity A Acc JPY                                                 7.93
  Morgan Stanley Latin American Equity A Acc USD                                                 7.93
  Morgan Stanley Sterling Corporate Bond A Acc GBP                                               4.94
  Morgan Stanley UK Equity A Acc GBP                                                             7.85
  Morgan Stanley Us Equity Growth A Acc USD                                                      7.75
  Morgan Stanley US Value Equity Acc USD                                                         7.79
  Natixis Emerging Europe R Acc EUR                                                              7.92
  Natixis Emerging Europe R Acc USD                                                              7.92
  Natixis Emerging Europe R Inc USD                                                              7.92
  Neptune Asia Pacific Opportunities A Acc GBP                                                   7.63
  Neptune Balanced A Acc GBP                                                                     6.53
  Neptune Cautious Managed A Acc GBP                                                             6.32
  Neptune Cautious Managed A Inc GBP                                                             6.32
  Neptune China A Acc GBP                                                                        7.82
  Neptune European Opportunities A Acc GBP                                                       7.72
  Neptune Global Alpha A Acc GBP                                                                 7.87
  Neptune Global Equity A Acc GBP                                                                7.60
  Neptune Global Equity A Inc GBP                                                                7.60
  Neptune Green Planet A Acc GBP                                                                 7.87
  Neptune Income A Acc GBP                                                                       7.89
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Neptune Income A Inc GBP                                                                       7.89
  Neptune India A Acc GBP                                                                        7.87
  Neptune Japan Opportunities A Acc GBP                                                          7.87
  Neptune Latin America A Acc GBP                                                                7.87
  Neptune Quarterly Income Acc GBP                                                               7.73
  Neptune Russia & Greater Russia A Acc GBP                                                      7.87
  Neptune UK Equity A Acc GBP                                                                    7.90
  Neptune UK Special Situations A Acc GBP                                                        7.89
  Neptune US Opportunities A Acc GBP                                                             7.63
  Newton American Inc GBP                                                                        7.89
  Newton Asian Inc GBP                                                                           7.95
  Newton Balanced Inc GBP                                                                        7.18
  Newton Continental European Acc EUR                                                            8.00
  Newton Continental European Inc GBP                                                            8.00
  Newton Corporate Bond Inc GBP                                                                  5.00
  Newton European High Yield Bond Inc GBP                                                        5.02
  Newton European Higher Income Ret inc GBP                                                      8.00
  Newton Global Dynamic Bond Inc GBP                                                             5.03
  Newton Global Higher Income Inc GBP                                                            7.86
  Newton Growth Inc GBP                                                                          7.96
  Newton Higher Income Inc GBP                                                                   7.85
  Newton Income Inc GBP                                                                          7.68
  Newton International Bond Acc EUR                                                              5.00
  Newton International Bond Inc GBP                                                              5.00
  Newton International Growth Acc EUR                                                            7.97
  Newton International Growth Inc GBP                                                            7.97
  Newton Managed Inc GBP                                                                         7.71
  Newton Oriental Acc EUR                                                                        8.00
  Newton Oriental Inc GBP                                                                        8.00
  Newton Phoenix Multi Asset Acc GBP                                                             6.36
  Newton Phoenix Multi Asset Inc GBP                                                             6.36
  Newton Real Return A Inc GBP                                                                   6.55
  Newton UK Opportunities Sterling Inc GBP                                                       7.65
  Oakmark Global Value R Acc EUR                                                                 7.82
  Oakmark Global Value R Acc USD                                                                 7.82
  Oakmark Global Value R Inc USD                                                                 7.82
  Oakmark US Large Cap Value R Acc EUR                                                           7.71
  Oakmark US Large Cap Value R Acc GBP                                                           7.71
  Oakmark US Large Cap Value R Acc USD                                                           7.71
  Oakmark US Large Cap Value R Inc USD                                                           7.71
  Old Mutual Asian Select A Acc GBP                                                              7.88
  Old Mutual Corporate Bond A Inc GBP                                                            5.02
  Old Mutual Corporate Bond Acc GBP                                                              5.02
  Old Mutual Dynamic Bond Acc GBP                                                                4.99
  Old Mutual Equity Income A Acc                                                                 7.77
  Old Mutual European Equity A Acc GBP                                                           7.98
  Old Mutual Extra Income A Acc GBP                                                              7.23
  Old Mutual Extra Income A Inc GBP                                                              7.23
  Old Mutual Global Strategic Bond A Acc GBP                                                     4.95
  Old Mutual Global Strategic Bond A Inc GBP                                                     4.95
  Old Mutual Japanese Select A Acc GBP                                                           7.93
  Old Mutual North American Equity A Acc GBP                                                     7.99
  Old Mutual Select Managed A Acc GBP                                                            7.20
  These fund and asset 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.


                                 Mutual Fund Name                                   Fund specific projection rate
For more details
  Old Mutual UK Select Equity A Acc GBP                                                          7.96
  Old Mutual UK Select Equity A Inc GBP                                                          7.96
  Old Mutual UK Select Mid Cap A Acc GBP                                                         7.71
  Old Mutual UK Select Mid Cap A Inc GBP                                                         7.71
  Old Mutual UK Select Smaller Companies A Acc GBP                                               7.73
  Old Mutual UK Select Smaller Companies A Inc GBP                                               7.73
  OPM Equity High Income Portfolio B R Inc GBP                                                   7.50
  Pictet (LUX) Biotech P Inc GBP                                                                 7.87
  Pictet (LUX) Clean Energy P Inc GBP                                                            7.76
  Pictet (LUX) Digital Communications P Inc GBP                                                  7.80
  Pictet (LUX) Generics P Inc GBP                                                                7.84
  Pictet (LUX) Global Mega Trends C Inc EUR                                                      7.90
  Pictet (LUX) Greater China P Inc GBP                                                           7.94
  Pictet (LUX) Indian Equities P Inc GBP                                                         7.89
  Pictet (LUX) Latin American Local Currency Debt P Inc GBP                                      3.81
  Pictet (LUX) Premium Brands P Inc GBP                                                          7.89
  Pictet (LUX) Russian Equities P Inc GBP                                                        7.95
  Pictet (LUX) Security P Inc GBP                                                                7.87
  Pictet (LUX) Timber P Inc USD                                                                  7.87
  Pictet (LUX) Water P Inc GBP                                                                   7.91
  Premier Elan Diversified Income Retail Acc GBP                                                 7.01
  Premier Elan High Income Retail Acc GBP                                                        6.43
  Premier UK Money Market Acc GBP                                                                3.80
  Premier UK Money Market Inc GBP                                                                3.80
  PSigma American Growth Retail Acc GBP                                                          8.00
  PSigma Balanced Managed Fund of funds R Acc GBP                                                6.24
  PSigma European Income R Acc GBP                                                               7.87
  PSigma European Income R Inc GBP                                                               7.87
  PSigma Income Retail Acc GBP                                                                   7.92
  PSigma Income Retail Inc GBP                                                                   7.92
  PSigma UK Growth Acc GBP                                                                       7.87
  PSigma UK Growth Inc GBP                                                                       7.87
  River and Mercantile UK Equity A Inc GBP                                                       8.00
  River and Mercantile UK Equity High Alpha A Inc GBP                                            8.00
  River and Mercantile UK Equity Smaller Companies A Inc GBP                                     8.00
  River and Mercantile UK Equity Unconstrained A Inc GBP                                         8.00
  Royal London Sterling Extra Yield Bond A Inc GBP                                               5.03
  Royal London Sterling Extra Yield Bond B A Inc GBP                                             5.03
  Royal London UK Equity Income Inc GBP                                                          8.00
  S&W Strategic Value Inc GBP                                                                    6.95
  Sarasin AgriSar A Acc GBP                                                                      7.92
  Sarasin CI Equisar Global Thematic Acc USD                                                     7.94
  Sarasin CI GlobalSar Dollar Balanced Acc USD                                                   6.68
  Sarasin CI Income Portfolio Acc GBP                                                            5.29
  Sarasin EquiSar IIID C Acc GBP                                                                 5.88
  Sarasin GlobalSar IIID C Acc GBP                                                               6.27
  Sarasin International Equity Income C Acc GBP                                                  7.86
  Sarasin Real Estate Equity Global B Acc EUR                                                    7.50
  Schroder All Maturities Index Linked Bond I Acc GBP                                            3.80
  Schroder All Maturities Index Linked Bond I Inc GBP                                            3.80
  Schroder Asian Income A Acc GBP                                                                7.92
  Schroder Asian Income A Inc GBP                                                                7.92
  Schroder Corporate Bond Acc GBP                                                                5.03
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Schroder Corporate Bond Inc GBP                                                                5.03
  Schroder Diversified Target Return Acc GBP                                                     8.00
  Schroder Diversified Target Return Inc GBP                                                     8.00
  Schroder European A Acc GBP                                                                    7.96
  Schroder European A Inc GBP                                                                    7.96
  Schroder European Alpha Plus Acc GBP                                                           7.73
  Schroder European Alpha Plus Inc GBP                                                           7.73
  Schroder European Smaller Companies Acc GBP                                                    7.90
  Schroder European Smaller Companies Inc GBP                                                    7.90
  Schroder Gilt and Fixed Interest Acc GBP                                                       3.85
  Schroder Gilt and Fixed Interest Inc GBP                                                       3.85
  Schroder Global Climate Change Acc GBP                                                         7.84
  Schroder Global Climate Change Inc GBP                                                         7.84
  Schroder Global Emerging Markets A Acc GBP                                                     7.97
  Schroder Global Emerging Markets A Inc GBP                                                     7.97
  Schroder Global Equity Income A Inc GBP                                                        7.80
  Schroder Global Equity Income Acc GBP                                                          7.80
  Schroder Global Property Securities A Inc GBP                                                  7.21
  Schroder Global Property Securities Acc GBP                                                    7.21
  Schroder Income A Acc GBP                                                                      7.71
  Schroder Income A Inc GBP                                                                      7.71
  Schroder Income Maximiser A Acc GBP                                                            7.86
  Schroder Income Maximiser A Inc GBP                                                            7.86
  Schroder ISF Asian Bond A Acc USD                                                              4.02
  Schroder ISF Asian Bond A Hedged Acc EUR                                                       4.02
  Schroder ISF Asian Bond A Hedged Acc SGD                                                       4.02
  Schroder ISF Asian Bond A Hedged Inc GBP                                                       4.02
  Schroder ISF Asian Bond A Inc USD                                                              4.02
  Schroder ISF BRIC A Acc EUR                                                                    7.96
  Schroder ISF BRIC A Acc USD                                                                    7.96
  Schroder ISF BRIC A Inc GBP                                                                    7.24
  Schroder ISF Emerging Markets A Acc EUR                                                        7.95
  Schroder ISF Emerging Markets A Acc USD                                                        7.96
  Schroder ISF Emerging Markets A Inc USD                                                        7.96
  Schroder ISF Emerging Markets Debt Absolute Return A Acc USD                                   7.72
  Schroder ISF Emerging Markets Debt Absolute Return A Inc GBP                                   7.72
  Schroder ISF Emerging Markets Debt Absolute Return A Inc USD                                   7.72
  Schroder ISF Emrg Markets Debt Absolute Rtn A Hdgd Acc EUR                                     7.72
  Schroder ISF Euro Active Value A Acc EUR                                                       7.97
  Schroder ISF Euro Active Value A Inc GBP                                                       7.97
  Schroder ISF Euro Bond A Acc EUR                                                               4.96
  Schroder ISF Euro Bond A Inc EUR                                                               4.96
  Schroder ISF Euro Equity A Acc EUR                                                             7.62
  Schroder ISF Euro Equity A Inc EUR                                                             7.62
  Schroder ISF European Absolute Ret A Acc EUR                                                   7.10
  Schroder ISF European Absolute Return A Inc GBP                                                7.10
  Schroder ISF European Equity Alpha A Acc EUR                                                   7.71
  Schroder ISF European Equity Alpha A Inc EUR                                                   7.71
  Schroder ISF European Equity Yield A Acc EUR                                                   7.86
  Schroder ISF European Equity Yield A Inc EUR                                                   7.86
  Schroder ISF European Equity Yield A Inc GBP                                                   7.86
  Schroder ISF European Smaller Companies A Acc EUR                                              7.91
  Schroder ISF European Smaller Companies A Inc EUR                                              7.91
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Schroder ISF European Special Situations A Acc EUR                                             7.73
  Schroder ISF Global Bond A Acc USD                                                             4.95
  Schroder ISF Global Bond A Inc USD                                                             4.95
  Schroder ISF Global Corporate Bond A Acc USD                                                   5.01
  Schroder ISF Global Corporate Bond A Hedged Acc EUR                                            5.01
  Schroder ISF Global Corporate Bond A Hedged Inc EUR                                            5.01
  Schroder ISF Global Corporate Bond A Inc USD                                                   5.01
  Schroder ISF Global Dividend Maximiser A Acc USD                                               7.94
  Schroder ISF Global Dividend Maximiser A Inc USD                                               7.94
  Schroder ISF Global Energy A Acc EUR                                                           7.87
  Schroder ISF Global Energy A Acc USD                                                           7.87
  Schroder ISF Global Energy A Inc GBP                                                           7.87
  Schroder ISF Global Equity A Acc USD                                                           7.95
  Schroder ISF Global Equity A Inc USD                                                           7.95
  Schroder ISF Global Inflation Linked Bond A Acc EUR                                            3.80
  Schroder ISF Global Inflation Linked Bond A Acc USD                                            3.80
  Schroder ISF Global Property Securities A Acc USD                                              7.26
  Schroder ISF Global Property Securities A Hedged Acc EUR                                       7.26
  Schroder ISF Greater China A Acc EUR                                                           7.93
  Schroder ISF Greater China A Acc USD                                                           7.93
  Schroder ISF Greater China A Inc GBP                                                           7.93
  Schroder ISF Japanese Equity A Acc JPY                                                         7.90
  Schroder ISF Japanese Equity A Hedged Acc EUR                                                  7.90
  Schroder ISF Japanese Equity A Inc JPY                                                         7.90
  Schroder ISF Japanese Large Cap A Acc USD                                                      7.86
  Schroder ISF Japanese Large Cap A Inc JPY                                                      7.85
  Schroder ISF Latin American A Acc EUR                                                          7.98
  Schroder ISF Latin American A Acc SGD                                                          7.95
  Schroder ISF Latin American A Acc USD                                                          7.95
  Schroder ISF Latin American A Inc GBP                                                          7.95
  Schroder ISF Latin American A Inc USD                                                          7.95
  Schroder ISF Middle East A Acc EUR                                                             7.89
  Schroder ISF Middle East A Acc SGD                                                             7.89
  Schroder ISF Middle East A Acc USD                                                             7.89
  Schroder ISF Pacific Equity A Acc EUR                                                          7.92
  Schroder ISF Pacific Equity A Acc SGD                                                          7.90
  Schroder ISF Pacific Equity A Acc USD                                                          7.90
  Schroder ISF Pacific Equity A Inc USD                                                          7.90
  Schroder ISF QEP Global Active Value A Acc USD                                                 7.93
  Schroder ISF QEP Global Active Value A Hedged Acc EUR                                          7.93
  Schroder ISF QEP Global Active Value A Inc USD                                                 7.93
  Schroder ISF Select Hong Kong Equity A Acc HKD                                                 7.91
  Schroder ISF Strategic Bond A Hedged Acc EUR                                                   5.02
  Schroder ISF Strategic Bond A Hedged Inc GBP                                                   5.02
  Schroder ISF Strategic Bond A Inc USD                                                          5.02
  Schroder ISF Taiwanese Equity A Acc USD                                                        7.92
  Schroder ISF Taiwanese Equity A Inc USD                                                        7.92
  Schroder ISF UK Equity A Acc GBP                                                               7.67
  Schroder ISF UK Equity A Inc GBP                                                               7.67
  Schroder ISF US Small & Mid-Cap Equity A Acc EUR                                               7.45
  Schroder ISF US Small & Mid-Cap Equity A Acc USD                                               7.45
  Schroder ISF US Small & Mid-Cap Equity A Hedged Acc EUR                                        7.45
  Schroder ISF US Small & Mid-Cap Equity A Inc USD                                               7.45
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Schroder ISF US Smaller Companies A Acc USD                                                    7.50
  Schroder ISF US Smaller Companies A Inc USD                                                    7.50
  Schroder Japan Alpha Plus A Acc GBP                                                            7.86
  Schroder Japan Alpha Plus Inc GBP                                                              7.86
  Schroder Managed Balanced A Acc GBP                                                            7.05
  Schroder Managed Wealth Portfolio A Acc GBP                                                    7.34
  Schroder Managed Wealth Portfolio A Inc GBP                                                    7.34
  Schroder Medical Discovery Inc GBP                                                             7.97
  Schroder Monthly High Income A Acc GBP                                                         4.91
  Schroder Monthly High Income A Inc GBP                                                         4.91
  Schroder Multi Manager Cautious Managed Acc GBP                                                6.01
  Schroder Multi Manager Cautious Managed Inc GBP                                                6.01
  Schroder Multi Manager High Alpha Acc GBP                                                      7.92
  Schroder Multi Manager Strategic Balanced Acc GBP                                              6.70
  Schroder Multi Manager Strategic Balanced Inc GBP                                              6.70
  Schroder MultiManager High Alpha Inc GBP                                                       7.92
  Schroder Pacific A Acc GBP                                                                     7.92
  Schroder Pacific A Inc GBP                                                                     7.92
  Schroder QEP Global Active Value A Acc GBP                                                     7.96
  Schroder QEP Global Active Value A Inc GBP                                                     7.96
  Schroder Recovery A Acc GBP                                                                    7.87
  Schroder Recovery A Inc GBP                                                                    7.87
  Schroder Strategic Bond A Acc GBP                                                              5.02
  Schroder Strategic Bond A Inc GBP                                                              5.02
  Schroder Tokyo A Acc GBP                                                                       7.98
  Schroder Tokyo A Inc GBP                                                                       7.98
  Schroder UK Alpha Plus A Acc GBP                                                               7.83
  Schroder UK Alpha Plus A Inc GBP                                                               7.83
  Schroder UK Equity Acc GBP                                                                     7.93
  Schroder UK Equity Inc GBP                                                                     7.93
  Schroder UK Mid 250 A Acc GBP                                                                  7.84
  Schroder UK Mid 250 A Inc GBP                                                                  7.84
  Schroder UK Smaller Companies A Acc GBP                                                        7.86
  Schroder UK Smaller Companies A Inc GBP                                                        7.86
  Schroder US Mid Cap A Acc GBP                                                                  7.58
  Schroder US Mid Cap A Inc GBP                                                                  7.58
  Schroder US Smaller Companies A Acc GBP                                                        7.58
  Schroder US Smaller Companies A Inc GBP                                                        7.58
  Scottish Widows Defensive Gilt Acc GBP                                                         5.03
  Scottish Widows Defensive Gilt Inc GBP                                                         5.03
  Scottish Widows Emerging Markets A Acc GBP                                                     7.97
  Scottish Widows Multi-manager Diversity A Acc GBP                                              6.27
  Scottish Widows Property Acc GBP                                                               7.44
  Scottish Widows Property Inc GBP                                                               7.44
  Standard Life AAA Income Ret Acc GBP                                                           4.47
  Standard Life AAA Income Ret Inc GBP                                                           4.47
  Standard Life American Equity Growth Retail Acc GBP                                            7.98
  Standard Life Corporate Bond Retail Acc GBP                                                    5.00
  Standard Life Corporate Bond Retail Inc GBP                                                    5.00
  Standard Life Dynamic Distribution Retail Acc GBP                                              6.67
  Standard Life Dynamic Distribution Retail Inc GBP                                              6.67
  Standard Life European Equity Growth R Acc GBP                                                 8.00
  Standard Life Global Absolute Return Strategies Acc GBP                                        5.14
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Standard Life Global Index Linked Bond R Acc GBP                                               5.02
  Standard Life Global Index Linked Bond R Inc GBP                                               5.02
  Standard Life Global REIT R Acc GBP                                                            7.50
  Standard Life Higher Income R Acc GBP                                                          5.04
  Standard Life Higher Income R Inc GBP                                                          5.04
  Standard Life Japan Equity Growth R Acc GBP                                                    7.92
  Standard Life UK Equity Growth R Acc GBP                                                       7.87
  Standard Life UK Equity High Alpha R Inc GBP                                                   7.99
  Standard Life UK Equity High Alpha Ret Acc GBP                                                 7.99
  Standard Life UK Equity High Income R Acc GBP                                                  7.86
  Standard Life UK Equity High Income R Inc GBP                                                  7.86
  Standard Life UK Equity Unconstrained Retail Acc GBP                                           7.98
  Standard Life UK Ethical Corporate Bond R Acc GBP                                              5.08
  Standard Life UK Ethical R Acc GBP                                                             7.85
  Standard Life UK Gilt R Acc GBP                                                                3.80
  Standard Life UK Gilt R Inc GBP                                                                3.80
  Standard Life UK Opportunities R Acc GBP                                                       7.97
  Standard Life UK Smaller Companies R Acc GBP                                                   7.82
  SVM Balanced Managed R Acc GBP                                                                 7.38
  SVM Cautious Managed R Acc GBP                                                                 7.00
  SVM Continental Europe A Retail Acc GBP                                                        7.90
  SVM Global Opportunities A Retail Acc GBP                                                      7.93
  SVM UK 100 Select A Acc GBP                                                                    7.84
  SVM UK Alpha A Acc GBP                                                                         7.87
  SVM UK Opportunities A Retail Acc GBP                                                          7.89
  T Bailey Cautious Managed Retail Acc GBP                                                       6.35
  T Bailey Cautious Managed Retail Inc GBP                                                       6.35
  T Bailey Equity Income Retail Acc GBP                                                          7.93
  T Bailey Equity Income Retail Inc GBP                                                          7.93
  T Bailey Growth Retail Acc GBP                                                                 7.90
  Templeton Asian Growth A (Ydis) Inc GBP                                                        7.86
  Templeton BRIC (Ydis) A Inc GBP                                                                7.83
  Templeton China A (Ydis) Inc GBP                                                               7.97
  Templeton Eastern Europe A (Ydis) Inc GBP                                                      7.91
  Templeton Emerging Markets Smaller Cos A (Ydis) Inc GBP                                        7.93
  Templeton Frontier Markets A (Ydis) Inc GBP                                                    7.58
  Templeton Global Bond A (Mdis) Inc GBP                                                         4.93
  Templeton Global Bond A (Mdis) Inc GBP                                                         4.93
  Templeton Global Total Return A (Mdis) Inc GBP                                                 4.92
  Templeton Global Total Return A (Mdis) Inc GBP                                                 4.92
  Templeton Global Total Return Bond A Acc GBP                                                   4.11
  Templeton Growth Primary A Acc GBP                                                             7.89
  Templeton Latin America (Ydis) A Inc GBP                                                       7.82
  Templeton Strategic Bond A Acc GBP                                                             4.92
  Thames River Balanced Managed A Acc GBP                                                        7.25
  Thames River Balanced Managed A Inc GBP                                                        7.25
  Thames River Cautious Managed A Acc GBP                                                        6.40
  Thames River Cautious Managed A Inc GBP                                                        6.40
  Thames River Distribution A Acc GBP                                                            6.60
  Thames River Distribution A Inc GBP                                                            6.60
  Thames River Equity Managed A Acc GBP                                                          7.70
  Thames River Global Bond Acc EUR                                                               5.00
  Thames River Global Bond Acc GBP                                                               5.01
  These fund and asset 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.


                                Mutual Fund Name                                    Fund specific projection rate
For more details
  Thames River Global Bond Acc USD                                                               5.00
  Thames River Global Bond Inc EUR                                                               5.00
  Thames River Global Bond Inc GBP                                                               5.01
  Thames River Global Bond Inc USD                                                               5.00
  Thames River Global Boutiques A Acc EUR                                                        7.68
  Thames River Global Boutiques A Acc GBP                                                        7.86
  Thames River Global Boutiques A Acc NOK                                                        7.68
  Thames River Global Boutiques A Acc USD                                                        7.68
  Thames River Multi Select A Acc EUR                                                            5.59
  Thames River Multi Select A Acc GBP                                                            5.59
  Thames River Multi Select A Acc NOK                                                            5.59
  Thames River Multi Select A Acc USD                                                            5.59
  Thames River Property Growth & Income A Acc GBP                                                7.80
  Thames River Property Growth & Income A Inc GBP                                                7.80
  Thames River Sterling Global Bond Inc EUR                                                      5.01
  Thames River Sterling Global Bond Inc USD                                                      5.01
  Thames River Water & Agriculture A Acc EUR                                                     7.58
  Thames River Water & Agriculture A Acc USD                                                     7.58
  Thames River Water & Agriculture A Inc EUR                                                     7.58
  Thames River Water & Agriculture A Inc GBP                                                     7.58
  Thames River Water & Agriculture A Inc USD                                                     7.58
  Threadneedle Absolute Return Bond R Acc GBP                                                    4.42
  Threadneedle American 1 Acc GBP                                                                7.93
  Threadneedle American Extended Alpha R Acc GBP                                                 7.79
  Threadneedle American Retail Net Inc GBP                                                       7.93
  Threadneedle American Select 1 Acc GBP                                                         7.94
  Threadneedle American Select R Inc EUR                                                         7.94
  Threadneedle American Smaller Companies 1 Acc GBP                                              7.89
  Threadneedle Asia 1 Acc GBP                                                                    7.85
  Threadneedle China Opportunities R Acc GBP                                                     7.96
  Threadneedle Defensive 1 Acc GBP                                                               4.85
  Threadneedle Defensive Equity & Bond 1 Acc GBP                                                 5.49
  Threadneedle Dollar Bond R Acc USD                                                             4.95
  Threadneedle Dollar Bond R Inc GBP                                                             4.95
  Threadneedle Emerging Market Bond R GR Acc USD                                                 4.97
  Threadneedle Emerging Market Bond R Inc GBP                                                    4.97
  Threadneedle Emerging Market Local Inc GBP                                                     3.80
  Threadneedle Equity & Bond 1 Acc GBP                                                           6.17
  Threadneedle European 1 Acc GBP                                                                7.95
  Threadneedle European Bond R Acc EUR                                                           5.00
  Threadneedle European Bond R Inc GBP                                                           5.00
  Threadneedle European Select 1 Acc GBP                                                         7.89
  Threadneedle European Smaller Companies 1 Acc GBP                                              7.88
  Threadneedle European Smaller Companies Retail Net Inc GBP                                     7.88
  Threadneedle Global Bond R Acc EUR                                                             4.97
  Threadneedle Global Bond R Inc GBP                                                             4.97
  Threadneedle Global Emerging Markets Equity R Acc GBP                                          7.88
  Threadneedle Global Equity & Bond 1 Acc GBP                                                    7.04
  Threadneedle Global Equity 1 Acc GBP                                                           7.74
  Threadneedle Global Equity Income R Acc GBP                                                    7.86
  Threadneedle Global Equity Income R Inc GBP                                                    7.86
  Threadneedle Global Extended Alpha Ret Acc GBP                                                 7.78
  Threadneedle Global Select 1 Acc GBP                                                           7.95
  These fund and asset 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.


                               Mutual Fund Name                                     Fund specific projection rate
For more details
  Threadneedle High Yield Bond R Inc GBP                                                         4.97
  Threadneedle Japan 1 Acc GBP                                                                   7.87
  Threadneedle Latin American 1 Acc GBP                                                          7.94
  Threadneedle Managed Income 1 Inc GBP                                                          7.06
  Threadneedle Pan European Smaller Cos Inc GBP                                                  7.91
  Threadneedle Sterling Bond R Acc GBP                                                           3.89
  Threadneedle Sterling Bond R Inc GBP                                                           3.89
  Threadneedle Strategic Bond R Inc GBP                                                          4.99
  Threadneedle UK 1 Inc GBP                                                                      7.92
  Threadneedle UK Accelerando 2 Inc GBP                                                          7.79
  Threadneedle UK Corporate Bond R Inc GBP                                                       4.97
  Threadneedle UK Equity Alpha Income Retail Inc GBP                                             7.86
  Threadneedle UK Equity Income 1 Inc GBP                                                        7.85
  Threadneedle UK Growth & Income Inc GBP                                                        7.85
  Threadneedle UK Mid 250 1 Acc GBP                                                              7.78
  Threadneedle UK Monthly Income Retail Net Inc GBP                                              7.91
  Threadneedle UK Property Trust Retail Acc GBP                                                  7.50
  Threadneedle UK Property Trust Retail Inc GBP                                                  7.50
  Threadneedle UK Select 1 Inc GBP                                                               7.75
  Threadneedle UK Smaller Companies 1 Inc GBP                                                    7.88
  Troy Trojan I Acc GBP                                                                          6.11
  Troy Trojan I Inc GBP                                                                          6.11
  UBS Global Allocation A Acc GBP                                                                6.71
  UBS Global Emerging Markets Equity A Acc GBP                                                   7.95
  UBS Global Optimal A Acc GBP                                                                   7.97
  UBS Targeted Return A Acc GBP                                                                  6.66
  UBS UK Equity Income A Inc GBP                                                                 7.82
  UBS UK Select A Acc GBP                                                                        7.96
  UBS UK Smaller Companies A Acc GBP                                                             7.93
  UBS US 130/30 Equity B Acc GBP                                                                 7.95
  UBS US Equity A Acc GBP                                                                        7.96
  UBS US Growth A Acc GBP                                                                        7.98
  VAM Emerging Markets Growth A Acc USD                                                          8.00
  VAM International Real Estate Equity A Acc USD                                                 8.00
  VAM US Large Cap Growth A Acc USD                                                              8.00
  VAM US Micro Cap Growth A Acc USD                                                              8.00
  VAM US Mid Cap Growth A Acc USD                                                                8.00
  VAM US Small Cap Growth A Acc USD                                                              8.00
  VAM World Growth A Acc USD                                                                     8.00
  Vanguard Emerging Markets Stock Index Acc GBP                                                  8.00
  Vanguard Emerging Markets Stock Index Inc GBP                                                  8.00
  Vaughan Nelson US Small Cap Value R Acc USD                                                    7.67
  Williams de Broe Assetmaster Balanced Inc GBP                                                  6.86
  Williams de Broe Assetmaster Cautious Inc EUR                                                  5.82
  Williams de Broe Assetmaster Cautious Inc GBP                                                  5.82
  Williams de Broe Assetmaster Growth Inc GBP                                                    7.59
  Williams de Broe Assetmaster Int Growth Inc EUR                                                7.74
  Williams de Broe Assetmaster Int Growth Inc GBP                                                7.74
  Williams de Broe Assetmaster Multi Strategy Inc GBP                                            7.07
  These fund and asset 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.


                                            Mutual Fund Name                                        Fund specific projection rate
For more details




        For more
   details about these
   changes and their
      impact, please
   contact your usual
    financial adviser.




   This information relates to funds available as at Monday 13th September 2010.

   The Zurich International Portfolio Bond is provided by Zurich Life Assurance plc, a member of
   the Zurich Financial Services Group.
   Zurich Life Assurance plc is authorised and regulated by the Irish Financial Regulator and
   subject to limited regulation by the Financial Services Authority for the conduct of insurance
   business in the UK. Registered Office: Eagle Star House, Frascati Road, Blackrock, Co Dublin.
   Registered in Ireland under company number 58098. Telephone number 0870 850 6130.

   We may record or monitor calls to improve our service.

   711152001 (09/10) RRD

								
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