We've written this fund factsheet assuming you have some experience of investing. This means that although we have tried to write as much as possible 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. Its purpose 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 is not 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 an adviser, please call us, we can help you find one near you.

Sterling Henderson UK Alpha

September 2021 Fund objective

Sterling fund information The Janus Henderson UK Alpha fund (the underlying 'Fund') aims to provide capital growth (as at 31/08/2021) over the long term (5 years or more). The Fund invests at least 80% of its assets in a concentrated portfolio of shares (also known as equities) of companies, of any size, in any Launch date 25/11/2002 industry, in the UK. Companies will be incorporated, headquartered, or deriving significant Buy price / sell price 173.80p / 165.10p revenue from, the UK. The portfolio may be concentrated in terms of its number of holdings Fund size (£m) 2.9 (as at 31/08/2021) and/or the size of its largest holdings. The Fund may also invest in other assets including ABI Sector UK All Companies other shares, bonds (including convertible bonds), preference shares, Collective Investment Fund Charges* 1.99% Schemes (including those managed by Janus Henderson) cash and money market SEDOL 3238585 instruments. SEDOL codes © Stock Exchange, reproduced under license Mex ID 8SNUAL The investment manager may use derivatives (complex financial instruments) to reduce risk or ISIN code GB0032385857 to manage the Fund more efficiently. The Fund is actively managed with reference to the Crown rating FTSE All Share Index, which is broadly representative of the companies in which it may invest, as this can provide a useful comparator for assessing the Fund's performance. The investment The Zurich fund invests in Henderson UK Alpha manager has discretion to choose investments for the Fund with weightings different to the Information for Henderson UK Alpha index or not in the index. (as at 31/08/2021) Fund features Launch date 09/11/2001 This fund invests in assets which have the potential to produce superior longer term returns. Fund size (£m) 422.5 (as at 25/08/2021) Over some periods of time there can be significant falls, as well as rises, in the value of your SEDOL 3095694 SEDOL codes © , reproduced under license investment. Fund management Janus Henderson Global company Investors Ltd Asset split 1 (as at 31/07/2021)** Fund manager's Square Mile Rating Consumer Discretionary 25.0% Crown rating Industrials 21.3% Top holdings Financials 20.9% (as at 31/07/2021)** Technology 11.7% INTERMEDIATE CAPITAL GROUP 3.98% Basic Materials 6.3% GROUP 3.84% Real Estate 4.1% PLC Energy 3.2% RIO TINTO 3.34% Health Care 3.0% SANNE GROUP PLC 3.22% Consumer Staples 2.4% RELX NV 2.83% Others 2.2% 2.76% 2.75% PLC 2.65% ROYAL DUTCH SHELL PLC 2.58% PLC 2.57%

* This figure includes the charges and expenses ** Sterling sources its funds data from Financial Express. The date shown reflects the that are deducted from the fund and are last available regional, sector and asset breakdown data provided by the fund's reflected in the unit price. Other charges which administrator to Financial Express. The timeliness of this data is affected by the speed reduce the number of units you hold may apply. and regularity of their publication by the fund administrator. For further information please refer to your product Terms and Conditions. Sterling Henderson UK Alpha September 2021

Things you need to know Cumulative fund performance (as at 31/08/2021)

We've based this information on our current 6 mths 1 year 3 years 5 years 10 years understanding of law and practice. We make every % growth 20.51% 44.44% 15.94% 45.85% 111.94% effort to ensure that this information is helpful, accurate and correct but it may change or may not apply to your personal circumstances. Before Discrete fund performance (as at 30/06/2021) taking any action you should always check with an 30/06/2016 - 30/06/2017 - 30/06/2018 - 30/06/2019 - 30/06/2020 - appropriate adviser, as we cannot accept 30/06/2017 30/06/2018 30/06/2019 30/06/2020 30/06/2021 responsibility for any action taken on the basis of % growth 28.12% 9.51% -4.38% -16.83% 33.72% this information alone.

All funds carry some risk and you should consider Annualised fund performance 3 year statistical fund data these risks before making an investment decision. (as at 31/08/2021) (as at 31/08/2021) The value of investments and any income from 3 year 5.05% Monthly volatility 6.59% them is not guaranteed and can fall as well as rise and will be reduced in real terms by the effects of 5 year 7.84% Best 3 month return 23.45% inflation. The main factors which may increase the 10 year 7.80% Worst 3 month return -31.84% risk of this fund include: - the amount held in overseas assets, - any concentration in specific areas or sectors, Discrete performance of ABI primary fund* (as at 31/08/2021) - the amount invested in property or property 31/08/2016 - 31/08/2017 - 31/08/2018 - 31/08/2019 - 31/08/2020 - shares, 31/08/2017 31/08/2018 31/08/2019 31/08/2020 31/08/2021 - the use of derivatives and other instruments with % growth 17.40% 7.15% -10.88% -9.93% 44.44% the aim of generating outperformance. Sector Average 10.88% 5.41% -4.04% -10.18% 26.54% Other charges which reduce the number of units you hold may apply. For further information please Quartile 1 1 4 2 1 refer to your product Terms and Conditions. Rank 42/474 100/479 425/480 196/484 20/484

For a more detailed explanation and other useful * This data shows the performance of the primary unit series for the fund. information about investments, please refer to our The primary unit series is the series of the fund that applies to most customers. guide -"Making investments clearer - a guide for you", which can be found at www.zurich.co.uk. Performance of ABI primary fund (over 5 years to 31/08/2021)

50 Primary fund for Sterling Henderson UK Alpha 40 UK All Companies

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20

10

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-30 Oct 16 Apr 17 Oct Apr 18 Oct Apr 19 Oct Apr 20 Oct Apr 21 31/08/2016 - 31/08/2021 Powered by data from FE Source: Financial Express as at 31/08/2021. You shouldn't use past performance as a suggestion of future performance. It shouldn't be the main or sole reason for making an investment decision. The value of investments and any income from them can fall as well as rise and will be reduced in real terms by the effects of inflation. You may not get back the amount you invested. HM Revenue and Customs (HMRC) practice and law are complex. Tax concessions are not guaranteed, their value will depend on individual circumstances and may change in the future. 0370 909 6010 www.sterling-assurance.co. Fund performance data is based on a selling price basis and doesn't take into account fees and uk expenses which are specific to individual plans. Details are available on request.

Sterling is a trading name of Zurich Assurance Ltd. Registered in England and Wales under company number 02456671. Registered office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. We may record or monitor calls to improve our service.