Sheffield Mutual Bonus History

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Bonus History**

Year Bonus Paid	Tax Exempt Savings Plan	Tax Exempt with Life Cover	Regular Savings Plan	Investment Bond	Income Bond	Pension Bond	Stocks & Shares ISA
2011 Interim Rate	2.25%	2.25%	1.75%	3%	3%	3.5%	5%*
2010	2.25%	2.25%	1.75%	RB3% TB 5%	3%	3.5%	5%*
2010 Interim Rate	2%	2%	1.5%	RB 2.5% TB 5%	2.5%	3%	4.5%*
2009	2%	2%	1.5%	RB 2.5% TB 5%	2.5%	3%	4.5%*
2009 Interim Rate	2%	2%	1.5%	RB 2.5% TB 5%	2.5%	3%	4%*
2008	2%	2%	1.5%	RB 2.5% TB 5%	2.5%	3%	4%*
2007	4.5%	4.5%	3.5%	RB 4.5% TB 10%	4.5%	5.5%	7%*

* Before deduction of the annual management charge for ISAs - 2.5% in year one and 1.5% in second and subsequent years.

Key Facts

*(Excluding Child Trust Fund)

Key Facts	2006	2007	2008	2009	2010
Premium Income £000's*	1285	1955	2381	2531	2716
Total Assets £m	20.4	21.6	20.5	29.6	39.4
Number Of Members*	4867	5229	5710	6264	6912
Number Of Policies*	5827	6188	6660	7201	8049

Investment Strategy and Financial Strength (as at 31st December 2010)

We have assets of circa £40 million under Management with a free asset ratio of 11%.*

*Excluding the Child Trust Fund, which has matched assets and liabilities, the free asset ratio is 17%

The Funds are actively managed to try and provide greater potential returns, with low to medium risk. The Society's strategy is to achieve a balance of income and capital growth through a combination of Government Securities, Fixed Interest Stock, Equities, Property, and Commerical Mortgages.

Asset	31/12/2010
Equities	28%
Gilts, Bonds & Fixed Interest	17%
Fixed Term Lease Commercial Property	37%
Commercial Mortgages	13%
Cash	5%

**Past performance is not a guide to future performance and cannot be guaranteed.

If you require any further explanation as to how these figures have been produced, please do not hesitate to contact us on 01226 741000 or email us at enquiries@sheffieldmutual.com

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