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
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%*
2006	5%	5%	4%	RB 5% TB 7.5%	5%	6%	8%*

* 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	2005	2006	2007	2008	2009
Premium Income £000's*	599	1285	1955	2381	2531
Total Assets £m	18.1	20.4	21.6	20.5	29.6
Number Of Members*	4587	4867	5229	5710	6264
Number Of Policies*	5605	5827	6188	6660	7201

Investment Strategy and Financial Strength (as at 31st December 2009)

We have assets of over £29 million under Management with an asset free ratio of 12%.*

*Excluding the Child Trust Fund, which has matched assets and liabilities, the free asset ratio is 16%

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	31/12/2009
Equities	27%
Gilts, Bonds & Fixed Interest	16%
Fixed Term Lease Commercial Property	34%
Commercial Mortgages	16%
Cash	7%

**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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