– the investment returns achieved by the funds,

– the Expected Growth Rate (and how it changes over time),

– the process Prudential uses to help smooth the performance of investment returns. For further details, please read the Prudential guide 'Your With-Profits Plan – A Guide to How We Manage the Fund'. If you cannot download a copy please contact us.

– Prudential's charges, which are described in the brochure. These will be shown in your regular statement,

– whether you have selected the 5th Anniversary Capital Guarantee option.

Taking an income means that the amount in your plan will be reduced, and if you take more income than your plan has grown by, your plan will be worth less than the amount you originally invested.

If you select the 5th Anniversary Capital Guarantee option any money you take from the plan will reduce your guaranteed minimum amount.

The charges for your plan may vary in the future. The effect of charges is greater in the early years after an investment. This means that if you take money out during this time you are more likely to get back less than you invested than if you take money out later on. Please read section 9 of the brochure, ‘What are the charges?’ on pages 8 and 9 for full details and any choices you may have.

When you decide to cash in your investment Prudential apply the unit price on the 28th day after they receive your instruction. Prudential will then make the payment to you. During the 28 days the fund value may change, which means that the value you receive may be lower or higher than the value at the date you asked us Prudential cash in your plan.

If selected, the 5th Anniversary Capital Guarantee will not apply if you cash in your plan before the fifth anniversary.

In specified circumstances Prudential may suspend smoothing to protect your investment. While smoothing is suspended, your plan value will go up and down more, in a similar way to the daily fluctuations of most other types of stockmarket based investments.

If you wish to cash in your investment, in exceptional circumstances Prudential may give you notice that they will defer cashing in your plan for up to one additional month.

Current tax rules are not guaranteed to continue in the future.