Investment performance and other important information

For the year ending 30 June 2015 Investment performance and other important information Superannuation products available within the Colonial Super Retirement Fund. Other superannuation and ordinary products issued by The Colonial Mutual Life Assurance Society Limited. Contents Click on the link below to go the relevant section of this document. (Refer to your Annual Statement for the name of your product.) Bond 2000 Colonial Capital Secure Insurance Bond Colonial Endowment Colonial Flexible Income Retirement Plan Colonial Funeral Bond (AF3) Colonial Insurance Bond - Old Series Colonial Private Trustee (W04) Colonial Prupac Colonial Pure Endowment Colonial Retirement Accumulation Plan (WO2) Colonial Retirement Investment Plan (WO1) Colonial Retirement Plus Account (FA3, FB3) Colonial Insurance Bond, Entry Fee Version Colonial Rollover Bond (E05, E06, E10) Colonial Insurance Bond, Free Entry Plus Version Colonial Insurance Bond, Series III Colonial Insurance Bond, Series IV Colonial Investment Bond (AA3, AG3, AH3) Colonial Investment Linked Insurance Bond Colonial Life Umbrella (SO3) Colonial Rollover Bond (EA3) Colonial Rollover Bond (EB3) Colonial Rollover Bond (EC3, EF3) Colonial Rollover Deposit Plan (EO9) Colonial Select Allocated Pension Colonial Select Personal Superannuation Colonial Life Umbrella Super (WO3) Colonial Super Money Plan (WA3) Colonial Living Money (E07, E08) Colonial Superannuation Bond (E01, E02) Colonial Money Plan (SA3) Colonial Mutual Insurance Bond Colonial Superannuation Bond (ED3, EE3, EG3) Colonial Tailored Annuity Plan - Allocated Annuity Colonial Passbook (SB3) Colonial Umbrella Investment Plan (T10, T11, T12) Colonial Personal Superannuation Bond (E03, E04) Colonial Umbrella Investment Plan (X10, X11, X12) Colonial Personal Superannuation Portfolio Colonial Whole of Life 1

CommInsure Investment Growth Bond (A01, A02, A03, A04, A05) Rollover Deferred Annuity CommInsure Investment Growth Bond (AO6) Roll-Over Plan CPSL MasterFund Superannuation Roll-Over Plan - Rollover and Super Bond 93 CPSL Wholesale Investment Portfolios - Wholesale Exempt Business Roll-Over Plan "S" Series CPSL Wholesale Investment Portfolios - Wholesale Non Superannuation Roll-Over Plan Goldseal CPSL Wholesale Investment Portfolios - Wholesale Superannuation SGIC Business Class Super Fund Deferred Annuity Superannuation Bond "S" Series Easy Saver Superannuation Bond (Capital Guaranteed Bond, Deferred Annuity) Easy Saver Plus Superannuation Bond (Multi-Bond) Free Entry Plus Trustee SuperBond Series III Superannuation Bond (Rollover and Super Bond 93) Investment Bond "S" Series SuperBond Investment Bond (Bond '90, Bond '92, Inlife Series 3) SuperBond 2000 Investment Bond (Bond '93) SuperBridge Investment Bond (Capital Guaranteed Bond) SuperBridge - Investment Linked Investment Bond (Managed PruBond, Roll-Over Plan Goldseal) SuperBridge - New Series Investment Bond (Multi-Bond) SuperBridge - Series III InvestorPlan SuperBridge - Series IV Lifebuilder SuperCash Lifebuilder Superannuation SuperFlex Superannuation LifeLink, LifeLink Plus Series 2, LifeLink Plus Series 3 SuperGuaranteeCARE LifeWise Series 4 and 5 SuperLink, SuperLink Plus Series 2 and 3 Limited Offer Insurance Bond, Limited Offer Insurance Bond Multi- Option SuperPlan Superannuation Managed Investment Bond SuperSpan - Limited Offer, Limited Offer (multi option) Managed Investment Plan SuperSpan II Managed Investment Super Plan - Corporate SuperSpan II (multi option) Managed Investment SuperPlan SuperSpan Plus Managed Personal SuperPlan SuperSpan Plus Series III Managed Savings Plan SuperSpan Plus Series IV Personal SuperCARE SuperUnits PruPlan Plus Superannuation SuperWise Series 4 and 5 PruPlan Superannuation Trustee Superannuation Bond, Old Series and Series III PruPlan Superannuation "PruLink", PruPlan Superannuation "Unit-Linked" Wealth Portfolio Retirement Saver, Retirement Saver Plus Wealth Portfolio Superannuation Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025 (the Trustee, we) and The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) are both wholly owned non-guaranteed subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. This Investment performance and other important information relates to: superannuation products as identified and issued by the Trustee that form part of Colonial Super Retirement Fund ABN 40 328 908 469 (CSRF, the Fund); and other superannuation and ordinary products issued by CMLA. 2

Performance explained Unit-linked products How we calculate performance Returns are net of investment management fees, taxes and charges (where applicable). Certain fees such as contribution, administration or withdrawal fees (if any) are not taken into account. Performance is calculated on the change in the withdrawal unit prices for the period ending 30 June 2015 corresponding to the investment timeframe indicated, or where applicable, the crediting rate for the relevant period. Your return Your individual net return may differ from the returns quoted in this document. Your individual net return depends on the timing of any transactions such as contributions, withdrawals, switches or unit adjustments during the period covered by the Annual Statement and your mix of investment options. Past performance is not indicative of future performance There is no guarantee that one investment option will outperform another. The performance of the investment options is generally dependent on economic conditions, investment management and taxation laws. However, in some cases investment guarantees may apply to investment options. Whole of Life, Endowment and Pure Endowment policies Reversionary and terminal bonuses Annual bonuses are additional to the sum insured and are payable under the same conditions as the sum insured. Reversionary bonuses are guaranteed once declared and added to the policy. Terminal bonuses are not guaranteed and they can increase, decrease, or be removed depending on investment performance. The face value of bonuses is paid on death or maturity. Bonuses are worth less than their face value if cashed in early. A smoothing methodology is used when calculating bonuses each year. The rationale for this is to produce declared bonus rates that are less volatile than the underlying investments. To achieve this, when the returns from the underlying investments are high, some of these returns will be retained and not included in the bonus declaration for that year, in order to provide some buffer if investment returns deteriorate. In times of low investment returns, these buffer amounts can then be drawn on to declare a higher bonus amount than would have been possible if based solely on the returns of the underlying investments. Based on the smoothing methodology, there were small reductions in reversionary bonus rates for most bonus series for 2014 compared with 2013. Terminal bonus rates were unchanged for most bonus series. Other important information This document has been prepared for general information only, not having regard to your investment objectives, financial situation or needs. Because of this, you should consider the appropriateness of the information having regard to your own circumstances. Before making a decision to act on any of this information, financial advice specific to you is recommended. You should seek advice from your taxation adviser in relation to taxation matters. Notes 1. The asset allocations and the assets in the product can vary at the discretion of the investment manager. The investment managers aim to maintain the investments within the minimum and maximum ranges published. However there may be times when asset allocations fall outside these ranges. 2. The investment management fee covers the costs of managing your investment options and includes investment and administration costs for the investment managers and the responsible entities of the underlying trusts in which CMLA invests. Custody and other costs have been included in cases where these have not been deducted from the underlying assets. The fee is calculated as a percentage of the total assets of the investment option and varies from time to time. It is deducted from the investment option assets before the unit prices are calculated. * For options with an asterisk (*) against the fee, the fee is calculated as a percentage of your account value. ** No explicit investment management fee applies on this investment option. The returns shown are net of any expenses and CMLA s share of profits on the underlying investments. 3. Participating capital guaranteed. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply. 4. Non-participating capital guaranteed. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply. 5. CMLA charges a fee in the unit price. Please note that this fee is fully rebated via issued units within Colonial Personal Superannuation Portfolio only. 6. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates. 7. Superannuation and ordinary life products issued by CMLA. 8. Superannuation products issued by the Trustee for CSRF. The trustee does not guarantee the accuracy or correctness of information relating to products it does not issue. 9. Not all the investment options are available or applicable to your policy. Please refer to your policy document for the applicable options or contact us for further details. 10. Advance Contribution Account (ACA), effective 1 December 2007 for ordinary products. 11. The investment option is closed to new investors. o oo Listed property investments may include Australian and international listed property trusts (hedged). Alternative investments offer the opportunity for enhanced returns and further portfolio diversification. Alternative investments are investments in nontraditional sectors that may be illiquid in nature. They may include but are not limited to private equity, direct property, infrastructure, alternative betas and hedge funds. ooo Fixed interest includes Australian and international bonds (hedged). 3

Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish Amicable insurance companies 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Reversionary Bonus Ordinary 7 Whole of Life - Large C01H, C01I,C01U 5PT 13.0 13.0 15.0 15.0 12.5 12.5 13.0 13.0 15.0 15.0 Whole of Life - Small C01P, C01Q, C01T 5PT 8.0 8.0 9.5 9.5 8.0 8.0 8.5 8.5 10.0 10.0 Endowment - Large C02E, C02I 5 PT 16.0 16.0 16.0 16.0 14.5 14.5 14.5 14.5 18.0 18.0 Endowment - Small C02G, C02H, C02J 5 PT 10.0 10.0 10.0 10.0 9.0 9.0 9.0 9.0 11.5 11.5 Pure Endowment C03B 5 PT 9.0 9.0 9.0 9.0 8.0 8.0 8.0 8.0 9.0 9.0 Whole of Life 1996 Series C01G 5 PT 1.0 1.0 2.0 2.0 1.0 1.0 1.5 1.5 2.5 2.5 Whole of Life, Endowment and Pure Endowment 1960 Whole of Life, Endowment and Pure Endowment 1974 Superannuation 7,8 Whole of Life - Large C01A, C01B, C02A, C02B C01D, C01E, C02C, C02D 5 PT 29.0 29.0 32.0 32.0 26.5 26.5 26.5 26.5 28.0 28.0 5 PT 19.0 19.0 22.5 22.5 18.0 18.0 18.0 18.0 20.0 20.0 G01I 1 PT 16.0 16.0 17.5 17.5 14.5 14.5 15.0 15.0 19.0 19.0 Whole of Life - Small G01Q 1 PT 10.5 10.5 11.5 11.5 9.5 9.5 10.0 10.0 12.5 12.5 Pure Endowment G03B 1 PT 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0 1.5 1.5 Endowment - Large G02E, G02I 1 PT 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0 2.0 2.0 Endowment - Small G02G, G02J 1 PT 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0 1.5 1.5 Whole of Life 1996 Series G01G 1 PT 4.0 4.0 5.0 5.0 4.0 4.0 4.0 4.0 5.0 5.0 Whole of Life, Endowment and Pure Endowment 1960 G01B, G02A 1 PT 11.5 11.5 11.5 11.5 9.0 9.0 9.0 9.0 9.0 9.0 Whole of Life, Endowment and Pure Endowment 1974 G01E, G02C, G03A 1 PT 16.0 16.0 16.0 16.0 13.5 13.5 13.5 13.5 15.0 15.0 Return to Contents 4

Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish Amicable insurance companies (cont.) 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Terminal Bonus Ordinary 7 Whole of Life - Large Whole of Life - Small C01H, C01I, C01U C01P, C01Q, C01T 5 PT 5 PT Endowment - Large C02E, C02I 5 PT Endowment - Small C02G, C02H, C02J 5 PT Pure Endowment C03B 5 PT Whole of Life 1996 Series Whole of Life, Endowment and Pure Endowment 1960 Whole of Life, Endowment and Pure Endowment 1974 Superannuation 7,8 20.0-350.0 20.0-350.0 60.0-480.0 60.0-480.0 140.0-480.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 140.0-480.0 140.0-480.0 140.0-480.0 130.0-440.0 130.0-440.0 20.0-300.0 20.0-300.0 40.0-430.0 40.0-430.0 130.0-440.0 20.0-300.0 20.0-300.0 40.0-430.0 40.0-430.0 130.0-440.0 20.0-340.0 20.0-340.0 50.0-460.0 50.0-460.0 140.0-480.0 C01G 5 PT 30.0 30.0 50.0 50.0 20.0 20.0 30.0 30.0 50 50 C01A, C01B, C02A, C02B C01D, C01E, C02C, C02D 5 PT 5 PT Whole of Life - Large G01I 1 PT Whole of Life - Small G01Q 1 PT 90.0-460.0 150.0-820.0 30.0-650.0 30.0-650.0 20.0-340.0 20.0-340.0 50.0-460.0 50.0-460.0 140.0-480.0 90.0-460.0 90.0-460.0 90.0-460.0 0.0-430.0 0.0-430.0 0.0-430.0 0.0-430.0 0.0-460.0 0.0-460.0 150.0-820.0 150.0-820.0 150.0-820.0 130.0-760.0 130.0-760.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 130.0-760.0 20.0-610.0 20.0-610.0 130.0-760.0 20.0-610.0 20.0-610.0 160.0-790.0 30.0-640.0 30.0-640.0 160.0-790.0 30.0-640.0 30.0-640.0 Pure Endowment G03B 1 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0 0 Endowment - Large G02E, G02I 1 PT 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 Endowment - Small Whole of Life 1996 Series Whole of Life, Endowment and Pure Endowment 1960 Whole of Life, Endowment and Pure Endowment 1974 G02G, G02J 1 PT 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 G01G 1 PT 240.0 240.0 240.0 240.0 210.0 210.0 230.0 230.0 290 290 G01B, G02A G01E, G02C, G03A 1 PT 1 PT 80.0-550.0 50.0-1070.0 Asset Allocation at 30 June 2015 1 80.0-550.0 60.0-530.0 60.0-530.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0 50.0-1070.0 50.0-1050.0 50.0-1050.0 20.0-950.0 20.0-950.0 20.0-950.0 20.0-950.0 20.0-980.0 20.0-980.0 Ordinary 5 PT Superannuation 1 PT Australian Shares 7.5% Australian Shares 4.4% International Shares 17.9% International Shares 9.7% Alternatives oo 26.5% Alternatives oo 26.2% Fixed interest ooo 45.0% Fixed interest ooo 55.4% Cash 3.1% Cash 4.3% 5

Whole of Life and Endowment policies originally issued by the Legal & General insurance company 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Reversionary Bonus Ordinary 7 Premium Paying - Reversionary Paid Up - Reversionary Superannuation 7,8 Premium Paying - Reversionary Paid Up - Reversionary Terminal Bonus Ordinary 7 Premium Paying - Terminal Paid Up - Terminal Superannuation 7,8 Premium Paying - Terminal Paid Up - Terminal I02, I04, I06, I07, I08, I09 I02, I04, I06, I07, I08, I09 N02, N04, N06, N08 N02, N04, N06, N08 I02, I04, I06, I07, I08, I09 I02, I04, I06, I07, I08, I09 N02, N04, N06, N08 N02, N04, N06, N08 5 PT 1.5 1.5 2.0 2.0 1.0 1.0 1.0 1.0 1.5 1.5 5 PT 1.5 1.5 2.0 2.0 1.0 1.0 1.0 1.0 1.5 1.5 1 PT 1.0 1.0 1.5 1.5 1.0 1.0 1.5 1.5 3.0 3.0 1 PT 1.0 1.0 1.5 1.5 1.0 1.0 1.5 1.5 2.5 2.5 5 PT 5 PT 160.0-210.0 160.0-210.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0 120.0-220.0 120.0-220.0 130.0-230.0 130.0-230.0 130.0-230.0 130.0-230.0 170.0-290.0 170.0-290.0 170.0-290.0 170.0-290.0 1 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Asset Allocation at 30 June 2015 1 Ordinary 5 PT Superannuation 1 PT Australian Shares 7.5% Australian Shares 4.4% International Shares 17.9% International Shares 9.7% Alternatives oo 26.5% Alternatives oo 26.2% Fixed interest ooo 45.0% Fixed interest ooo 55.4% Cash 3.1% Cash 4.3% Return to Contents 6

Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential Assurance companies 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Reversionary Bonus Ordinary 7 Series 1 - Reversionary Series 2 - Reversionary Series 4 - Reversionary Series 5 - Reversionary Series 6 - Reversionary Series A, B, C, D, E, F, G, I, J, K, L, M, N, P, Q, R, S, T, U, V, X & Z - Reversionary Superannuation 7,8 Series 1 - Reversionary Series 2 - Reversionary Series 3 - Reversionary Series 4 - Reversionary Series 5 - Reversionary Series A, C, E, G, H, I, J, L, M, Q, R, U & Z - Reversionary C11A, C11B, C12A C11D, C11E, C12B, C12C, C13A C11G, C12E, C13B 5 PT 45.0 45.0 45.0 45.0 43.0 43.0 43.0 43.0 45.5 45.5 5 PT 14.0 14.0 17.5 17.5 15.0 15.0 16.0 16.0 19.0 19.0 5 PT 15.0 15.0 17.5 17.5 15.0 15.0 16.0 16.0 18.0 18.0 C11I, C12G 5 PT 13.0 13.0 16.0 16.0 13.5 13.5 15.0 15.0 19.0 19.0 C11F 5 PT 13.5 13.5 16.0 16.0 13.5 13.5 15.0 15.0 18.5 18.5 C11C, C11H, C11J, C11Q, C11R, C12I, C12J, C12K, C13D, C20A, C20B, C20C, C20D, C20E, C20F, C20G, C20H 5 PT 12.5 12.5 14.5 14.5 12.5 12.5 13.0 13.0 16.5 16.5 G11B 1 PT 43.0 43.0 43.0 43.0 39.0 39.0 39.0 39.0 43.5 43.5 G11E, G12C, G13A 1 PT 11.0 11.0 11.5 11.5 10.0 10.0 11.0 11.0 14.5 14.5 G11K, G12L 1 PT 11.0 11.0 10.0 10.0 9.0 9.0 9.0 9.0 11.5 11.5 G11G, G12E, G13B 1 PT 16.5 16.5 17.5 17.5 16.0 16.0 17.5 17.5 20.5 20.5 G11I, G12G 1 PT 19.0 19.0 20.0 20.0 18.0 18.0 19.0 19.0 24.0 24.0 G11Q, G11R, G12I, G12J, G12K, G13D, G13E, G20A, G20B, G20D, G20E, G20G, G20H 1 PT 12.5 12.5 10.5 10.5 8.0 8.0 8.0 8.0 11.5 11.5 Return to Contents 7

Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential Assurance companies (cont.) 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Terminal Bonus Ordinary 7 Series 1 - Terminal C11A, C11B, C12A 5 PT 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3470.0 N/A 0.0-3380.0 N/A 0.0-3380.0 N/A Series 2 - Terminal C11D, C11E, C12B, C12C, C13A 5 PT 280.0-5680.0 N/A 280.0-5680.0 N/A 170.0-5080.0 N/A 170.0-5080.0 N/A 290.0-5450.0 N/A Series 4 - Terminal C11G, C12E, C13B 5 PT 210.0-670.0 N/A 210.0-670.0 N/A 190.0-570.0 N/A 190.0-570.0 N/A 190.0-620.0 N/A Series 5 - Terminal C11I, C12G 5 PT 380.0-560.0 N/A 380.0-560.0 N/A 320.0-480.0 N/A 340.0-510.0 N/A 350.0-540.0 N/A Series 6 - Terminal C11F 5 PT 410.0-770.0 N/A 410.0-770.0 N/A 350.0-670.0 N/A 370.0-710.0 N/A 420.0-780.0 N/A Series A, B, C, D, E, F, G, I, J, K, L, M, N, P, Q, R, S, T, U, V, X & Z - Terminal C11C, C11H, C11J, C11Q, C11R, C12I, C12J, C12K, C13D, C20A, C20B, C20C, C20D, C20E, C20F, C20G, C20H 5 PT 120.0-650.0 N/A 120.0-650.0 N/A 120.0-530.0 N/A 130.0-560.0 N/A 140.0-740.0 N/A Superannuation 7,8 Series 1 - Terminal G11B 1 PT 230.0-5530.0 N/A 230.0-5530.0 N/A 210.0-5230.0 N/A 210.0-5230.0 N/A 210.0-5240.0 N/A Series 2 - Terminal G11E, G12C, G13A 1 PT 220.0-5130.0 N/A 210.0-5020.0 N/A 170.0-4580.0 N/A 190.0-4780.0 N/A 210.0-5670.0 N/A Series 3 - Terminal G11K, G12L 1 PT 170.0-790.0 N/A 120.0-640.0 N/A 110.0-590.0 N/A 110.0-590.0 N/A 130.0-680.0 N/A Series 4 - Terminal G11G, G12E, G13B 1 PT 150.0-520.0 N/A 150.0-520.0 N/A 70.0-430.0 N/A 70.0-450.0 N/A 80.0-520.0 N/A Series 5 - Terminal G11I, G12G 1 PT 250.0-530.0 N/A 250.0-530.0 N/A 230.0-420.0 N/A 230.0-420.0 N/A 230.0-490.0 N/A Series A, C, E, G, H, I, J, L, M, Q, R, U & Z - Terminal G11Q, G11R, G12I, G12J, G12K, G13D, G13E, G20A, G20B, G20D, G20E, G20G, G20H 1 PT 150.0-920.0 N/A 120.0-770.0 N/A 60.0-630.0 N/A 60.0-630.0 N/A 120.0-700.0 N/A Asset Allocation at 30 June 2015 1 Ordinary 5 PT Superannuation 1 PT Australian Shares 7.5% Australian Shares 4.4% International Shares 17.9% International Shares 9.7% Alternatives oo 26.5% Alternatives oo 26.2% Fixed interest ooo 45.0% Fixed interest ooo 55.4% Cash 3.1% Cash 4.3% 8

PruPac 2014 bonus rate 6 (per $1000) 2013 bonus rate 6 (per $1000) 2012 bonus rate 6 (per $1000) 2011 bonus rate 6 (per $1000) 2010 bonus rate 6 (per $1000) Contract/ component code Statutory fund Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Sum assured ($) Reversionary bonus ($) Ordinary 7 Series 1 C25A 5 PI 1.5 1.5 5.5 5.5 0.0 0.0 0.0 0.0 0.5 0.5 Series 2 C25B 5 PI 3.0 3.0 7.0 7.0 0.0 0.0 0.0 0.0 2.0 2.0 Series 3 C25C 5 PI 4.5 4.5 8.5 8.5 0.0 0.0 0.0 0.0 3.5 3.5 Series 4 C25D 5 PI 6.5 6.5 10.5 10.5 0.0 0.0 0.0 0.0 5.5 5.5 Series 5 C25E 5 PI 10.5 10.5 14.5 14.5 0.0 0.0 0.0 0.0 9.5 9.5 Series 6 C25F 5 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Superannuation 7,8 Series 1 G25A 1 PI 9.0 9.0 9.0 9.0 0.0 0.0 0.0 0.0 3.00 3.00 Series 2 G25B 1 PI 12.5 12.5 11.0 11.0 1.0 1.0 0.0 0.0 5.00 5.00 Series 3 G25C 1 PI 12.5 12.5 11.5 11.5 1.5 1.5 0.0 0.0 5.50 5.50 Series 4 G25D 1 PI 13.0 13.0 12.0 12.0 2.0 2.0 0.0 0.0 6.00 6.00 Series 5 G25E 1 PI 14.5 14.5 13.0 13.0 3.0 3.0 0.0 0.0 7.00 7.00 Series 6 G25F 1 PI 15.5 15.5 14.0 14.0 4.0 4.0 0.0 0.0 8.00 8.00 Series 7 G25G 1 PI 18.5 18.5 16.0 16.0 6.0 6.0 0.0 0.0 10.00 10.00 Series 8 G25H 1 PI 40.5 40.5 28.0 28.0 18.0 18.0 0.0 0.0 22.00 22.00 Series 9 G25I 1 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Asset Allocation at 30 June 2015 1 Ordinary 5 PI Superannuation 1 PI Australian Shares 2.2% Australian Shares 2.4% International Shares 7.3% International Shares 7.3% Alternatives oo 11.0% Alternatives oo 11.0% Fixed interest ooo 70.7% Fixed interest ooo 70.2% Cash 8.8% Cash 9.1% Return to Contents 9

Advance Contribution Account (ACA) Statutory fund Yearly returns as at 30 June (%) 2015 2014 2013 2012 2011 5 years (%p.a.) 10 years (%p.a.) Investment management fee (%p.a.) Ordinary 7 5NPI 1.63 1.83 1.57 2.45 2.96 2.12 N/A 0.5% Superannuation 7,8 1NPI 2.20 2.43 2.11 3.23 3.84 2.81 3.53 0.5% Asset Allocation at 30 June 2015 1 Ordinary 5NPI Superannuation 1NPI Australian Shares 3.2% Australian Shares 3.0% International Shares 7.1% International Shares 7.2% Alternatives oo 5.4% Alternatives oo 5.3% Fixed interest ooo 39.8% Fixed interest ooo 40.4% Cash 44.5% Cash 44.1% Return to Contents 10

Investment LifeBuilder, Wealth Portfolio, InvestorPlan 7 (LB, WP, INVESTNI) Capital Stable Primary Fund (Wealth Portfolio) - CAPN To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 0.21 2014 1.47 2013 1.32 2012-0.44 Investment management fee (%p.a) 2 : 4.85 2011 0.91 5 years (%p.a.) 0.69 10 years (%p.a.) -0.11 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Capital Stable Growth Fund (Wealth Portfolio) - CAPGN To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.31 2014 4.63 2013 4.45 2012 2.64 Investment management fee (%p.a.) 2 : 1.85 2011 4.03 5 years (%p.a.) 3.81 10 years (%p.a.) 2.98 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Capital Stable Growth Plus Fund - CAPGPN To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.79 2014 5.15 2013 4.91 2012 3.13 Investment management fee (%p.a.) 2 : 1.40 2011 4.54 5 years (%p.a.) 4.30 10 years (%p.a.) 3.46 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Balanced Primary Fund (Wealth Portfolio) - BALN To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 2.97 2014 6.05 2013 7.41 2012-2.31 Investment management fee (%p.a.) 2 : 4.85 2011 2.76 5 years (%p.a.) 3.32 10 years (%p.a.) 1.19 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% 11

Investment LifeBuilder, Wealth Portfolio, InvestorPlan 7 (LB, WP, INVESTNI) (cont.) Balanced Growth Fund (Wealth Portfolio) - BALGN To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.16 2014 9.35 2013 10.72 2012 0.71 Investment management fee (%p.a.) 2 : 1.85 2011 5.94 5 years (%p.a.) 6.52 10 years (%p.a.) 4.32 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Balanced Growth Plus Fund - BALPGN To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.65 2014 9.91 2013 11.13 2012 1.19 Investment management fee (%p.a.) 2 : 1.40 2011 6.32 5 years (%p.a.) 6.99 10 years (%p.a.) 4.78 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Equity Profile Primary Fund (Wealth Portfolio) - EQPN To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 3.62 2014 7.03 2013 9.59 2012-3.33 Investment management fee (%p.a.) 2 : 4.85 2011 3.14 Risk: High 5 years (%p.a.) 3.92 10 years (%p.a.) 1.60 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% Equity Profile Growth Fund (Wealth Portfolio) - EQPGN To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 6.82 2014 10.36 2013 12.97 2012-0.34 Investment management fee (%p.a.) 2 : 1.85 2011 6.33 Risk: High 5 years (%p.a.) 7.13 10 years (%p.a.) 4.74 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% 12

Investment LifeBuilder, Wealth Portfolio, InvestorPlan 7 (LB, WP, INVESTNI) (cont.) Equity Profile Growth Plus Fund - EQPGPN To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 7.31 2014 10.90 2013 13.53 2012 0.06 Investment management fee (%p.a.) 2 : 1.40 2011 6.84 Risk: High 5 years (%p.a.) 7.63 10 years (%p.a.) 5.22 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% Capital Guaranteed (Wealth Portfolio) - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.) 2 : N/A** 2011 3.81 Risk: Low\medium 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Capital Guaranteed - CGORD2 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.) 2 : N/A** 2011 3.81 Risk: Low\medium 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 13

Investment Bond (Multi-Bond) 7 (INVBOND1) Cash Fund - CASH-N To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.32 2014 0.35 2013 0.77 2012 1.60 Investment management fee (%p.a.) 2 : 1.85 2011 2.02 Cash 100% Risk: Low 5 years (%p.a.) 1.01 10 years (%p.a.) 1.53 Capital Stable Fund - CAPSNG To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.29 2014 4.62 2013 4.43 2012 2.67 Investment management fee (%p.a.) 2 : 1.85 2011 4.03 5 years (%p.a.) 3.81 10 years (%p.a.) 2.98 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Balanced Fund - BALI-N To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.13 2014 9.32 2013 10.70 2012 0.70 Investment management fee (%p.a.) 2 : 1.85 2011 5.90 5 years (%p.a.) 6.49 10 years (%p.a.) 4.31 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Equity Profile Fund - EPNG To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 6.82 2014 10.35 2013 12.97 2012-0.34 Investment management fee (%p.a.) 2 : 1.85 2011 6.33 5 years (%p.a.) 7.13 10 years (%p.a.) 4.74 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% 14

Investment Bond (Multi-Bond) 7 (INVBOND1) (cont.) Capital Guaranteed - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.): N/A** 2011 3.81 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 15

Investment Bond (Bond '90, Bond '92, Inlife Series 3) 7 (BOND-N, BOND-N92, XINLIFE- NB) Cash Fund - CAPFNG To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.33 2014 0.26 2013 0.74 2012 1.61 Investment management fee (%p.a.) 2 : 1.85 2011 2.03 Cash 100% Risk: Low 5 years (%p.a.) 0.99 10 years (%p.a.) 1.53 Capital Stable Fund - CAPSNG To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.29 2014 4.62 2013 4.43 2012 2.67 Investment management fee (%p.a) 2 : 1.85 2011 4.03 5 years (%p.a.) 3.81 10 years (%p.a.) 2.98 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Capital Stable II Fund (Bond 92) - CS2NG To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.28 2014 4.65 2013 4.46 2012 2.68 Investment management fee (%p.a) 2 : 1.85 2011 4.07 5 years (%p.a.) 3.82 10 years (%p.a.) 2.99 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Balanced Fund - BALANG To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.15 2014 9.34 2013 10.70 2012 0.70 Investment management fee (%p.a.) 2 : 1.85 2011 5.91 5 years (%p.a.) 6.51 10 years (%p.a.) 4.30 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% 16

Investment Bond (Bond '90, Bond '92, Inlife Series 3) 7 (BOND-N, BOND-N92, XINLIFE- NB) (cont.) Equity Profile Fund - EPNG To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 6.82 2014 10.35 2013 12.97 2012-0.34 Investment management fee (%p.a.) 2 : 1.85 2011 6.33 Risk: High 5 years (%p.a.) 7.13 10 years (%p.a.) 4.74 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% Capital Guaranteed - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.) 2 : N/A** 2011 3.81 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 17

Investment Bond 'S' Series, Investment Bond (Managed PruBond, Inlife Series 2) 7 (SBOND-N, PRUBONDM, XINLIFE-NA) Cash Fund - SCPFNG To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.79 2014 0.71 2013 1.19 2012 2.07 Investment management fee (%p.a.) 2 : 1.40 2011 2.49 Cash 100% Risk: Low 5 years (%p.a.) 1.45 10 years (%p.a.) 1.99 Capital Stable Fund - SCPSNG To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.76 2014 5.10 2013 4.90 2012 3.12 Investment management fee (%p.a) 2 : 1.40 2011 4.50 5 years (%p.a.) 4.27 10 years (%p.a.) 3.44 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Balanced Fund (Investment Bond 'S' Series, Inlife Series 2) - SBALNG To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.64 2014 9.84 2013 11.22 2012 1.17 Investment management fee (%p.a.) 2 : 1.40 2011 6.37 5 years (%p.a.) 6.99 10 years (%p.a.) 4.78 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Balanced Fund (Investment Bond - Managed Pru Bond) - BOND4N To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.64 2014 9.85 2013 11.21 2012 1.15 Investment management fee (%p.a.) 2 : 1.40 2011 6.39 5 years (%p.a.) 6.99 10 years (%p.a.) 4.77 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% 18

Investment Bond 'S' Series, Investment Bond (Managed PruBond, Inlife Series 2) 7 (SBOND-N, PRUBONDM, XINLIFE-NA) (cont.) Equity Profile Fund - SEPNG To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 7.32 2014 10.87 2013 13.49 2012 0.10 Investment management fee (%p.a.) 2 : 1.40 2011 6.80 Risk: High 5 years (%p.a.) 7.62 10 years (%p.a.) 5.21 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% Capital Guaranteed - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.) 2 : N/A** 2011 3.81 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 19

Investment Bond (Bond '93) 7 (IB93) Fixed Interest Fund - FI93NG To provide income with the potential for higher returns than cash through investment in fixed interest investments. This investment option is suited to investors who want a reasonable level of security with the potential to provide higher returns than cash options. 2015 1.73 2014 3.48 2013 1.23 2012 5.08 Investment management fee (%p.a.) 2 : 1.95 2011 3.07 Fixed interest ooo 98.2% Cash 1.8% 5 years (%p.a.) 2.91 10 years (%p.a.) 2.71 Capital Stable Fund - CS93NG To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.18 2014 4.51 2013 4.34 2012 2.57 Investment management fee (%p.a.) 2 : 1.95 2011 3.94 5 years (%p.a.) 3.71 10 years (%p.a.) 2.88 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Balanced Fund - B93NG To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.04 2014 9.22 2013 10.62 2012 0.64 Investment management fee (%p.a.) 2 : 1.95 2011 5.81 5 years (%p.a.) 6.41 10 years (%p.a.) 4.21 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Equity Profile Fund - EP93NG To provide significant growth from capital appreciation supported by income. This investment option is suited to investors seeking high returns and who are prepared to accept volatility of returns. 2015 6.74 2014 10.24 2013 12.82 2012-0.40 Investment management fee (%p.a.) 2 : 1.95 2011 6.24 Risk: High 5 years (%p.a.) 7.04 10 years (%p.a.) 4.64 Australian shares 33.6% International shares 39.2% Alternatives oo 15.6% Fixed interest ooo 3.1% Cash 8.5% 20

Investment Bond (Bond '93) 7 (IB93) (cont.) Capital Guaranteed - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.): N/A** 2011 3.81 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 21

Investment Bond (Capital Guaranteed Bond) (ACTUBOND, XAETBNDN) Capital Guaranteed - CGORD1 To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 4.20 2014 4.47 2013 3.75 2012 4.10 Investment management fee (%p.a.): N/A** 2011 3.81 Risk: Low\medium 5 years (%p.a.) 4.07 10 years (%p.a.) 4.18 Australian shares 2.2% International shares 7.3% Alternatives oo 11.0% Fixed interest ooo 70.7% Cash 8.8% Return to Contents 22

Managed Investment Bond 7 (MIB) Capital Guaranteed Cash Fund - SOGA To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.70 2014 0.63 2013 1.11 2012 1.99 Investment management fee (%p.a.) 2 : 1.50 2011 2.41 Cash 100% Risk: Low 5 years (%p.a.) 1.36 10 years (%p.a.) 1.94 Managed Growth Fund - SOMA To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.97 2014 10.14 2013 11.46 2012 1.34 Investment management fee (%p.a.) 2 : 1.20 2011 6.60 5 years (%p.a.) 7.24 10 years (%p.a.) 5.18 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 23

Bond 2000 7 (M2000) Capital Guaranteed Cash Fund - SOGB To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.72 2014 0.63 2013 1.10 2012 2.00 Investment management fee (%p.a.) 2 : 1.50 2011 2.40 Cash 100% Risk: Low 5 years (%p.a.) 1.37 10 years (%p.a.) 1.92 Managed Growth Fund - SOMB To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.67 2014 9.81 2013 11.13 2012 1.04 Investment management fee (%p.a.) 2 : 1.50 2011 6.26 5 years (%p.a.) 6.93 10 years (%p.a.) 4.69 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 24

Easy Saver, Easy Saver Plus 7 (EASYSAVER, EASYSAVER+) Capital Guaranteed Fund (Easy Saver) (non-participating) 4 - AM To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 2.42 2014 2.94 2013 2.27 2012 1.57 Investment management fee (%p.a.) 2 : 1.65 2011 1.58 5 years (%p.a.) 2.15 10 years (%p.a.) 3.28 Australian shares 3.2% International shares 7.1% Alternatives oo 5.4% Fixed interest ooo 39.8% Cash 44.5% Capital Guaranteed Fund (Easy Saver Plus) (non-participating) 4 - AM To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 2.42 2014 2.94 2013 2.27 2012 1.57 Investment management fee (%p.a.) 2 : 1.65 2011 1.58 5 years (%p.a.) 2.15 10 years (%p.a.) 3.28 Australian shares 3.2% International shares 7.1% Alternatives oo 5.4% Fixed interest ooo 39.8% Cash 44.5% Capital Guaranteed Cash Fund -VM To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.51 2014 0.36 2013 0.95 2012 2.16 Investment management fee (%p.a.) 2 : 1.65 2011 2.26 Cash 100% Risk: Low 5 years (%p.a.) 1.24 10 years (%p.a.) 1.74 Capital Secure Fund - DM To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 3.48 2014 4.83 2013 4.68 2012 2.87 Investment management fee (%p.a.) 2 : 1.65 2011 4.47 5 years (%p.a.) 4.06 10 years (%p.a.) 3.20 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% 25

Easy Saver, Easy Saver Plus 7 (EASYSAVER, EASYSAVER+) (cont.) Balanced Fund - MM To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.36 2014 9.58 2013 10.92 2012 0.90 Investment management fee (%p.a.) 2 : 1.65 2011 5.89 5 years (%p.a.) 6.67 10 years (%p.a.) 4.53 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Managed Growth Fund (LJ and LM Units) - LM To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.35 2014 9.48 2013 11.01 2012 0.89 Investment management fee (%p.a.) 2 : 1.65 2011 5.92 5 years (%p.a.) 6.67 10 years (%p.a.) 4.54 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Managed Growth Fund (PJ and PM units) - PM To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.35 2014 9.61 2013 10.91 2012 0.81 Investment management fee (%p.a.) 2 : 1.65 2011 6.05 5 years (%p.a.) 6.69 10 years (%p.a.) 4.51 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 26

LifeWise Series 4 and 5 7 (LIFEWISE4, LIFEWISE5) Capital Guaranteed Fund (non-participating) 4 - J To provide crediting rates, before tax and fees, in excess of inflation over rolling 3 year periods and provide security of capital. This investment option is suited to investors who want a high degree of security. 2015 1.17 2014 1.68 2013 1.02 2012 0.37 Investment management fee (%p.a.) 2 : 2.90 2011 0.29 5 years (%p.a.) 0.90 10 years (%p.a.) 2.15 Australian shares 3.2% International shares 7.1% Alternatives oo 5.4% Fixed interest ooo 39.8% Cash 44.5% Capital Guaranteed Cash Fund (Series 5) - VP To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.00 2014 0.01 2013 0.01 2012 0.58 Investment management fee (%p.a.) 2 : 2.90 2011 1.04 Cash 100% Risk: Low 5 years (%p.a.) 0.33 10 years (%p.a.) 0.63 Capital Secure Fund (Series 5) - DP To provide a reasonably high level of security and consistent returns. This investment option is weighted towards fixed interest and cash investments and is suited to investors who want returns that are less volatile than options with a greater bias to growth investments. 2015 2.17 2014 3.54 2013 3.33 2012 1.56 Investment management fee (%p.a.) 2 : 2.90 2011 2.65 5 years (%p.a.) 2.65 10 years (%p.a.) 1.88 Australian shares 9.8% International shares 12.5% Alternatives oo 11.2% Fixed interest ooo 33.6% Cash 32.9% Managed Growth Fund - LP To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 4.96 2014 8.14 2013 9.54 2012-0.33 Investment management fee (%p.a.) 2 : 2.90 2011 4.98 5 years (%p.a.) 5.40 10 years (%p.a.) 3.19 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 27

LifeLink, LifeLink Plus - Series 2 and 3 7 (LL1, LL2, LLB3) Managed Growth Fund (Lifelink and Series 2) - LL1, LL2 To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 7.66 2014 10.88 2013 12.23 2012 2.05 Investment management fee (%p.a.) 2 : 0.50 2011 7.37 5 years (%p.a.) 7.98 10 years (%p.a.) 5.72 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Managed Growth Fund (Series 3) - B To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.36 2014 9.56 2013 10.97 2012 0.89 Investment management fee (%p.a.) 2 : 1.65 2011 6.12 5 years (%p.a.) 6.72 10 years (%p.a.) 4.52 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 28

Managed Investment Plan, Managed Savings Plan 7 (MIP1, MIP3, MSP) Capital Guaranteed Cash Fund (Early Series/Late Series) - OG_PROT, OG_UNPROT To provide the highest level of security. This investment option is suited to investors who want a high degree of security. 2015 0.69 2014 0.62 2013 1.10 2012 1.98 Investment management fee (%p.a.) 2 : 1.50* 2011 2.23 Cash 100% Risk: Low 5 years (%p.a.) 1.32 10 years (%p.a.) 1.91 Managed Growth Fund (Early Series/Late Series) - OM_PROT, OM_UNPROT To provide income and growth with a focus on capital appreciation. This investment option is weighted towards equity investments and is suited to investors who are prepared to accept volatility of returns. 2015 6.64 2014 9.83 2013 11.13 2012 1.03 Investment management fee (%p.a.) 2 : 1.50* 2011 6.30 5 years (%p.a.) 6.93 10 years (%p.a.) 4.73 Australian shares 26.8% International shares 34.4% Alternatives oo 16.3% Fixed interest ooo 12.9% Cash 9.6% Return to Contents 29