Sterling Omnis Managed Cautious - The Financial Express

1 We've written this fund factsheet assuming you have some experience of investing. This means that although we have tried to write as much aspossible in plain language, we may have used certain words or phrases that might not be familiar to you, particularly if you are new to investing. Itspurpose is to help you understand how the fund is invested and performing. You should not use it on its own for making investment decisions. It isnot an offer to buy or sell any investments or shares. If there's something you don't understand, please contact your adviser. If you don't have anadviser, please call us, we can help you find one near Omnis Managed CautiousNovember 2020 Sterling fund information(as at 31/10/2020)Launch date16/03/2009 Buy price / sell / size ( m) (as at 30/10/2020)ABI SectorMixed Investment 20-60% SharesFund Charges* codes London Stock Exchange, reproduced under licenseMex IDESOMNIISIN codeGB00B3L7H761 Crown ratingThe Zurich fund invests in Omnis ManagedCautiousInformation for Omnis Managed Cautious (as at 31/10/2020)Launch date02/03/2009 Fund size ( m) (as at 30/10/2020)

2 SEDOLB3V3105 SEDOL codes London Stock Exchange, reproduced under licenseFund managementcompanyOmnis Investments LtdFund managerAlex LyleFund manager's Square Mile RatingCrown ratingTop holdings(as at 30/10/2020)**THREADNEEDLE Sterling BOND UK INI GLOBAL BOND Sterling CORPORATEBOND IGA Sterling SHORT-TERMMONEY MARKET RET INC AMERICAN INA UK FIXED INTEREST JAPAN INA GLOBAL SELECT (LUX) EUROPEANSHORT-TERM HIGH YIELD BOND XGHACC * This figure includes the charges and expensesthat are deducted from the fund and arereflected in the unit price. Other charges whichreduce the number of units you hold may further information please refer to yourproduct Terms and Conditions.

3 ** Sterling sources its funds data from Financial Express . The date shown reflects thelast available regional, sector and asset breakdown data provided by the fund'sadministrator to Financial Express . The timeliness of this data is affected by the speedand regularity of their publication by the fund objectiveThe Omnis Managed Cautious fund (the underlying 'Fund') aims to achieve a return, over afive year rolling period and after all fees and expenses, consisting primarily of capital growth(and potentially a low level of income) which exceeds a composite benchmark based on theFTSE All Share TR Index (20%), Russell 1000 TR Index (10%), MSCI Daily (ex UK) EAFE TRIndex (10%), SONIA GBP 3- Month (10%), BoA ML Global Broad Market TR Index (15%) andBoA ML Sterling Broad Market TR Index (35%).

4 It is expected that at least 51% of the fund's exposures will be to cash, cash equivalents andfixed income investments. The balance of the fund's exposure will be to equities. Investmentswill not be confined to any particular sector. At least 70% of exposure will be achievedthrough investment in collective investment schemes (including exchange traded funds andother schemes Managed and operated by the ACD or its associates). The remainder of thefund may be invested directly in transferable securities, money market instruments, warrants,cash, near cash and deposits as detailed in the Prospectus. Derivatives may also be used forthe purposes of hedging and efficient portfolio featuresThis fund invests in assets which have the potential to produce good longer term returnsabove inflation.

5 The returns will have less fluctuation than investing fully in equities and oversome periods of time the value of your investment can split 1 (as at 30/10/2020)**Global Fixed Corporate Fixed split 2 (as at 30/10/2020)** Omnis Managed CautiousNovember 2020 Things you need to knowWe've based this information on our currentunderstanding of law and practice. We make everyeffort to ensure that this information is helpful,accurate and correct but it may change or may notapply to your personal circumstances. Beforetaking any action you should always check with anappropriate adviser, as we cannot acceptresponsibility for any action taken on the basis ofthis information funds carry some risk and you should considerthese risks before making an investment value of investments and any income fromthem is not guaranteed and can fall as well as riseand will be reduced in real terms by the effects ofinflation.

6 The main factors which may increase therisk of this fund include:- the amount held in overseas assets,- any concentration in specific areas or sectors,- the amount held in property and property shares,- the extent to which the fund invests in high charges which reduce the number of unitsyou hold may apply. For further information pleaserefer to your product Terms and a more detailed explanation and other usefulinformation about investments, please refer to ourguide -"Making investments clearer - a guide foryou", which can be found at fund is Managed by Threadneedle AssetManagement Limited in accordance with theinvestment objectives of the fund.

7 The investmentobjective and risk profile of the fund have been setin conjunction with the fund sponsor, OmnisInvestments Ltd. As sponsor, Omnis InvestmentsLtd receives payments out of the fund Investments Ltd is part of the OpenworkGroup. The Openwork Group includes OpenworkLimited, a network of Financial advisers. Therefore,Openwork may may indirectly benefit from youinvesting into Omnis 909 fund performance (as at 31/10/2020)6 mths1 year3 years5 years10 years% fund performance (as at 30/09/2020)30/09/2015 -30/09/201630/09/2016 -30/09/201730/09/2017 -30/09/201830/09/2018 -30/09/201930/09/2019 -30/09/2020% fund performance(as at 31/10/2020)3 year statistical fund data(as at 31/10/2020)Monthly 3 month 3 month performance of ABI primary fund* (as at 31/10/2020)

8 31/10/2015 -31/10/201631/10/2016 -31/10/201731/10/2017 -31/10/201831/10/2018 -31/10/201931/10/2019 -31/10/2020% *This data shows the performance of the primary unit series for the primary unit series is the series of the fund that applies to most of ABI primary fund (over 5 years to 31/10/2020) -5 0 5 10 15 20 25 30 Jan 16 JulOctApr 17 OctApr 18 OctApr 19 OctApr 2030/10/2015 - 30/10/2020 Powered by data from FEPrimary fund for Sterling Omnis Managed CautiousMixed Investment 20-60% SharesSource: Financial Express as at 31/10/2020. You shouldn't use past performance as a suggestionof future performance. It shouldn't be the main or sole reason for making an investmentdecision.

9 The value of investments and any income from them can fall as well as rise and willbe reduced in real terms by the effects of inflation. You may not get back the amount youinvested. HM Revenue and Customs (HMRC) practice and law are complex. Tax concessionsare not guaranteed, their value will depend on individual circumstances and may change inthe performance data is based on a selling price basis and doesn't take into account fees andexpenses which are specific to individual plans. Details are available on is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number office: The Grange, Bishops Cleeve, Cheltenham, GL52 may record or monitor calls to improve our service.