2019 Interim Bonus Rates (Effective from 01/01/19) and 2019 Bonus Rates (Effective from 01/04/19)

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1 2019 Interim Bonus Rates (Effective from 01/01/19) and 2019 Bonus Rates (Effective from 01/04/19) Scottish Amicable Life, Scottish Amicable Insurance Fund & Scottish Amicable Account This document gives you information about the current and historic bonus rates for the Scottish Amicable Life, Scottish Amicable Insurance Fund & Scottish Amicable Account. All past performance shown isn t a guide to future performance and the rate of future bonuses can t be guaranteed. Final bonus may vary and isn t guaranteed. Regular (Reversionary) Bonus Rates All new Regular (Reversionary) Bonus Rates are effective from 1 April Scottish Amicable Insurance Fund (SAIF) & Scottish Amicable Account (SAA) SAIF Bonus Series Principal Bonus Series* 0.7/1.25% 0.7/1.25% Flexidowment (Second Series)* 0.6/1.45% 0.6/1.45% Superannuation (Second Series)* 0.1/0.25% 0.1/0.25% Flexipension (First Series)* 0.1/0.25% 0.1/0.25% Unitised With-Profits Pensions Fund 1 4.0% 4.0% Unitised With-Profits Pensions Fund 2 4.0% 4.0% Unitised With-Profits Pensions Fund 3 1.5% 1.5% Unitised With-Profits Pensions Funds 3a and 3b ** 4.0/1.5% 4.0/1.5% Unitised With-Profits Pensions Fund 4 ** 4.0/1.5% 4.0/1.5% Unitised With-Profits Life*** 1.50/1.50% 1.50/1.50% Rates expressed as an increase to the unit bid price. * Rates expressed as % of guaranteed basic benefit/% of attaching bonuses. ** Rates applying to pre-2006/post-2005 investments. *** Rates expressed as % of basic units/% of bonus units. Former Scottish Amicable Life (SAL) SAL Bonus Series Unitised With-Profits Pensions Funds 5 and % 1.625% Unitised With-Profits Pensions Funds 7 and % 1.50% Unitised With-Profits Pensions Funds 9 and % 1.50% Unitised With-Profits Life Fund 2*** 1.25/1.25% 1.25/1.25% Rates expressed as an increase to the unit bid price. *** Rates expressed as % of basic units/% of bonus units. This is just for UK advisers it s not for use with clients.

2 Maturity Value SAIF Principal Bonus Series 2019 Interim rates effective from 1 January 2019 and applicable to policies maturing from 1 January 2019 to 31 March Annual rates effective from 1 April SAIF Flexidowment (Second Series) 2019 Interim rates effective from 1 January 2019 and applicable to policies maturing from 1 January 2019 to 31 March Annual rates effective from 1 April Final Bonus 2018 (%) 2019 Interim (%) 2019 Annual (%) 2018 or later Final Bonus 2018 (%) 2019 Interim (%) 2019 Annual (%) 1996 or later

3 SAIF Unitised With-Profits Pensions WP Fund 1 WP Fund 2 WP Fund 3 WP Funds 3A, 3B & 4 Year of Unit Purchase or later n/a 0 n/a 0 n/a 1 n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a (%) 3

4 SAIF Unitised With-Profits Life 2019 Interim rates effective from 1 January 2019 and applicable to policies maturing from 1 January 2019 to 31 March Annual rates effective from 1 April Currency Year 2018 (%) 2019 Interim (%) 2019 Annual (%) 2019 or later n/a

5 SAL Unitised With-Profits Life 2019 or later SAL Unitised With-Profits Pensions Year of Unit Purchase 2018 (%) 2019 Annual (%) 2019 or later

6 SAIF Superannuation (Second Series) Bonus Series Regular Premiums SAIF Superannuation (Second Series) Bonus Series Single Premiums Maturity 1994 or later or earlier Maturity 1994 or later or earlier SAIF Flexipension (First Series) Bonus Series Regular Premiums Age 65 Maturity 1989 or later SAIF Flexipension (First Series) Bonus Series Single Premiums Age 65 Maturity 1989 or later

7 SAIF Flexipension (First Series) Regular Premiums (including paid-up) Maturity Final (Terminal) Bonus Rate % Age on birthday at retirement 2019 (%) Year of entry or later SAIF Flexipension (First Series) Single Premiums Maturity Final (Terminal) Bonus Rate % Age on birthday at retirement 2019 (%) Year of entry or later

8 We might change our charges in the future. If you d like a copy of the full terms and conditions please write to Prudential, Lancing BN15 8GB. Prudential can change bonus rates at any time and without notice. Bonus rates will be reviewed at least every year. pruadviser.co.uk Prudential is a trading name of The Prudential Assurance Company Limited (PACL) which is registered in England and Wales. This name is also used by other companies within the Prudential Group. Registered Office at Laurence Pountney Hill, London EC4R 0HH. Registered number Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BDMS /2019

Funds Fund availability

Funds Fund availability The following tables indicate which Clerical Medical unitised funds are available within each product, and the annual management charge (AMC) that currently applies. The AMC is