Coral Student Portfolio

The Coral Student Portfolio offers investors the opportunity to participate in the growing sector of Student Accommodation. The Fund invests in a range of established UK schemes and providers and is also positioned to benefit from emerging opportunities in select international centres. By spreading investment across several specialist providers, it removes single operator risk and can shift emphasis to developing geographic trends. The Coral Student Portfolio launched in March 2009 and is an EU Fund, domiciled and regulated by the CSSF, in Luxembourg.

The Coral Student Portfolio targets 8-10% p.a net* investment returns. This objective is undertaken in regular consultation with our investment advisors, CB Richard Ellis who conduct thorough analysis of each underlying Fund. Among many factors, they assess the financials, current stock, geographical trends and exposure, letting records, management efficiency and pipeline projects.

(*Target returns are based upon GBP, hedging will be employed for other currencies and inherent costs may reduce actual returns)

Core to Coral’s ethos for the Student Portfolio is the achievement of target returns from a spread of provider and geographical risk with a minimum of volatility. Coral is actively involved in the secondary market seeking maximum available discounts to NAV. In addition, our topical liquidity strategy promotes the Fund as a core holding offering investors potential for real returns in a format appropriate for the changing investment environment.

KEY HIGHLIGHTS OF THE STUDENT PORTFOLIO INCLUDE

Spread of Provider Risk - Reduces provider risk by offering exposure to over 28,000 beds in 82 sites in 26 towns and cities across the UK – more than any other fund

Contemporary Focus – High concentration in key university locations in Scotland, London and Russell Group higher education institutions

Independent UK-Regulated Investment Adviser – The Fund is advised by leading international independent property manager, CBRE, which is authorised by the FSA

Liquidity – Topical, managed liquidity policy

Regulation and Governance- Robustly EU-regulated in Luxembourg with independent administration and custody

Availability - the Coral Student Portfolio is readily available through most leading Life Company Portfolio Bonds and selected platforms

In an evolving UK higher education landscape, Coral’s ability to move with the market will become essential while the sector’s enduring fundamentals provide positive indications for continuing investor returns; skill, flexibility and liquidity, which are key components of Coral’s proposition, will become of growing importance.

UNDERLYING HOLDINGS

Coral Portfolio mix as at 31 October 2012

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