THE RETIREMENT ACCOUNT - Scottish Widows

1 THE RETIREMENT ACCOUNT_____FUND SUPERMARKET LIST AND CHARGESABOUT THE FUND SUPERMARKET LIST AND CHARGES_____This booklet details the latest information available to us on the range of funds offered via theRetirement ACCOUNT Fund Supermarket, including the charges that addition to the charges listed in the table a Fund Supermarket Platform Charge will also apply. Thecurrent yearly rate is and may change at any Fund Supermarket Platform Charge is deducted monthly by cancelling units or shares, and is basedon the total value of Fund Supermarket units or shares held in all parts of your ACCOUNT .

2 If your ACCOUNT isinvested in more than one Supermarket fund, the Fund Supermarket Platform Charge will be deductedfrom the fund in which you have the highest value invested at the charge should read this booklet in conjunction with our Fund Supermarket Investor s Guide, which providesmore information on important features of the Fund Supermarket, as well as some of the risks that more information on a particular fund, please refer to the relevant fund factsheet, which can berequested from Scottish Widows or downloaded from Beforeinvesting in a fund, you should carefully consider the available fund information, including its aims, assetholdings, charges and associated in any doubt as to the suitability of a fund, investors should speak with their financial note that fund managers may change the basis on which funds are made available, and the ratesof charges they deduct.

3 The range of funds offered may change, and other restrictions can , the value of an investment is not guaranteed and can go up or down depending oninvestment performance (and currency exchange rates where a fund invests overseas). The value couldfall below the amount paid certain circumstances, there may be delays in selling or switching Fund Supermarket terms and conditions are available on request from Scottish Widows . Charges, terms and limits OF TERMSTermCodeDescriptionFund NameFund NameDetails the name of the TypeFund TypeThis is the type of investment scheme, Open Ended investment Company (OEIC), Unit Trust (UT) or Soci t d'Investissement Capital Variable (SICAV).

4 Share ClassShare ClassThe share class will be on an Accumulation (Acc) or Income (Inc) basis. If on an Acc basis then any income such as dividends,coupons, and rent is accounted for in the daily unit/share price. If on an Inc basis, any income is paid at regular intervals and isautomatically used to buy further fund has its own unique citicode, which is an identifier used by Financial Express. Financial Express is the largest distributorof fund data in the UK, they provide data to the UK s leading fund supermarkets. The RA Fund Supermarket factsheets are suppliedby Financial Exchange Daily Official ListSEDOLSEDOL numbers are allocated to stocks and shares listed in the UK and Ireland.

5 Each security has its own unique Broad Street RatingMorningstar OBSRT hese ratings are focused towards qualitative performance measures. Ratings of Gold, Silver, Bronze, Neutral and Negative aregiven with Gold being the highest. The ratings are calculated using fund criteria including strength of investment process,continuity of investment personnel ( staff turnover) and clearly defined objectives, as well as strong and consistent Crown RatingCrown RatingThis rating is based on quantative historical performance measures, and funds are ranked within their own sectors. The rating isdesigned to highlight funds that have had superior consistent performance in relation to risk, and relative to their peer groups are deemed to be the sectors as defined by the Association of British Insurers (ABI) and investment ManagersAssociation (IMA).

6 Annual Management Charge (% )AMC (% )The AMC is the charge applied by the fund manager for operating the Annual Fund Charge (% )TAFC (% )The TAFC is the sum of the AMC plus any other expenses incurred by the manager as a result of operating the NameFund TypeShare ClassCiticodeSEDOLM orningstar OBSRC rown RatingAMC (% )TAFC (% )7IM AAP Adventurous C AAP Adventurous C AAP Balanced C AAP Balanced C AAP Income C AAP Income C AAP Moderately Adventurous C AAP Moderately Adventurous C AAP Moderately Cautious C AAP Moderately Cautious C Adventurous C Adventurous C Balanced C Balanced C Cautious Fund (C Class Accumulation) Cautious Fund (C Class Income) Dynamic Planner Portfolio 4 C Dynamic Planner Portfolio 4 C Dynamic Planner Portfolio 5 C Dynamic Planner Portfolio 5 C Dynamic Planner Portfolio 6 C Dynamic Planner Portfolio 6 C Emerging Markets Equity Value C European (ex UK)

7 Equity Value C Moderately Adventurous C NameFund TypeShare ClassCiticodeSEDOLM orningstar OBSRC rown RatingAMC (% )TAFC (% )7IM Moderately Adventurous C Moderately Cautious C Moderately Cautious C Personal Injury C Personal Injury C Real Return C Sustainable Balance C Sustainable Balance C UK Equity Value C US Equity Value C Asia Pacific and Japan Equity Fund I Asia Pacific Equity Enhanced Index Fund B GBP Asia Pacific Equity Fund I Asia Pacific Equity Fund I Corporate Bond Fund I Net Corporate Bond Fund I Net Diversified Core Adventurous Fund I AccUnit Diversified Core Cautious Fund I AccUnit Diversified Core Conservative Fund I AccUnit Diversified Core Growth Fund I AccUnit

8 Diversified Growth Fund Class I AccUnit Diversified Growth Fund I IncUnit Diversified Growth Fund R AccUnit Diversified Growth Fund R IncUnit Diversified Income Fund I NameFund TypeShare ClassCiticodeSEDOLM orningstar OBSRC rown RatingAMC (% )TAFC (% )Aberdeen Diversified Income Fund I Eastern European Equity Fund I Emerging Markets Bond Fund I Emerging Markets Bond Fund I Ethical World Fund I Ethical World Fund I Euro Corporate Bond Fund I European Equity Enhanced Index Fund B GBP European Equity Fund I European High Yield Bond Fund I European High Yield Bond Fund I European Property Share Fund I Net European Property Share Fund I Net European Smaller Companies Equity Fund I Financial Equity Fund I Global - Asian Smaller Companies Fund Class R - 2 Global - Emerging Markets Infrastructure Equity Fund Class R

9 -2 Global - Indian Equity Fund Class R - 2 Global - Select Euro High Yield Bond Fund Class R-1 Global Emerging Markets Quantitative Equity Fund B Net Global High Yield Bond Fund I Net Global High Yield Bond Fund I Net Japan Equity Enhanced Index Fund B GBP Japan Equity Fund I Latin American Equity Fund I NameFund TypeShare ClassCiticodeSEDOLM orningstar OBSRC rown RatingAMC (% )TAFC (% )Aberdeen Multi-Asset Fund I Multi-Asset Fund I Multi-Manager Balanced Managed Portfolio Class I - AccUnit Multi-Manager Balanced Managed Portfolio Class I - IncUnit Multi-Manager Cautious Managed Portfolio Class I- AccUnit Multi-Manager Cautious Managed Portfolio Class I- IncUnit Multi-Manager Cautious Managed Portfolio K Acc (RestrictedFund)

10 Unit Multi-Manager Diversity Fund D Net Multi-Manager Equity Managed Portfolio Class I - AccUnit Multi-Manager Equity Managed Portfolio Class I - IncUnit Multi-Manager Ethical Portfolio Class I - AccUnit Multi-Manager Ethical Portfolio Class I - IncUnit Multi-Manager Multi-Asset Distribution Portfolio Class I - AccUnit Multi-Manager Multi-Asset Distribution Portfolio Class I - IncUnit North American Equity Fund I Northern American Equity Enhanced Index Fund Net B GBP Property Share Fund I Responsible UK Equity Fund I Responsible UK Equity Fund I Sterling Bond Fund I Sterling Bond Fund I Sterling Government Bond Fund I Net Sterling Government Bond Fund I Net Sterling Index-Linked Bond Fund I Net Sterling Index-Linked Bond Fund I Net NameFund TypeShare ClassCiticodeSEDOLM orningstar OBSRC rown RatingAMC (% )TAFC (% )