Pearl - Restructuring our business

The following new documents have been produced to reflect the changes made to our proposals in January 2010.

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If you would like this information in large print, in Braille or on cassette or CD, please call our Scheme Helpline on 0845 602 9296.

	Full Scheme document - revised February 2010 (pdf file, size: 195kb)

	Full Scheme document (February 2010), showing changes compared to original Scheme document (pdf file, size: 195kb)

	Demutualisation Scheme document, showing changes to be made - revised January 2010 (pdf file, size: 190kb)

	Independent Actuary's certificate in relation to the Demutualisation Scheme - January 2010 (pdf file, size: 62kb)

	Draft new Pearl SERP Fund Principles and Practices of Financial Management (PPFM) (pdf file, size: 129kb)

	Draft new Guide to How we Manage the Pearl SERP Fund (pdf file, size: 63kb)

The following supplementary reports have also been produced. These reports set out opinion on the likely effect of the Scheme on policyholders, in light of the changes to our proposals and the estimated financial position of NPLL and Pearl at 31 December 2009. These supplementary reports should be read alongside the original reports.

	Supplementary report of the Independent Expert (Mr Michael Arnold, Milliman Consultants and Actuaries) - January 2010 (pdf file, size: 126kb)

	NPLL supplementary actuarial report - January 2010 (pdf file, size: 868kb)

	Pearl supplementary actuarial report - January 2010 (pdf file, size: 543kb)