RISKS • The Plan provides the po

RISK FACTORS

Is this product right for you?

This plan may be suitable if you;

• Want to get exposure to the 100 largest companies by market capitalisation listed, at the time this Plan is launched on the London Stock Exchange for the potential of capital gain

• Want to receive a bonus of 40% if the FTSE® 100 Index is equal to or better than its starting point at maturity

• Understand that the product is designed to return your initial investment should you leave it invested for the complete investment term

• Are using the Plan as part of a diversified investment portfolio

• Want to avoid currency risk in your portfolio

This plan may not be suitable if you;

• Cannot remain invested for the full investment term

• Do not wish to have equity investment in your portfolio

• Need a regular income from your investment

• Are concerned about inflation eroding the value of your investment should the Plan underperform and you only get back your original capital

• Investors (who would be able to utilise UK Capital Gains Tax allowances) might maximise tax-free benefits by choosing an income product within an ISA wrapper

Investment Risks

• Your capital protected amount is not guaranteed as there is a risk that the issuer may fail to meet its obligations. In addition, the terms of the investment may permit the issuer of those investments to withhold, defer, reduce or even terminate payments in certain events, as a result of which investors may receive less than they would otherwise or may have to wait for the proceeds. Please refer to the section ‘Which Index is investment performance linked to’ for further information

• The value of your investment can go down as well as up and you may get back less than you invested in particular if you do not hold the plan through to the Investment Maturity Date (see Key dates to remember – page 2 of the brochure)

• What you get back will depend on investment performance, nothing is guaranteed. Past performance is no guarantee of future performance

• If you cash in your Plan you may get back less than you originally invested because your investment grows less than illustrated

• Inflation will reduce what you could buy in the future

• Tax rules could change

• If you use your right to cancel your Plan within the first 14 days, and the value of your investment has fallen by the time we receive your instructions, the amount you get will be less than the amount you’ve paid in. Please refer to the section ‘Is this Plan right for you?’ on page 6 of the brochure.

• If you have invested via an ISA and subsequently decide to cancel, once you have passed the cancellation period it may not be possible to invest in another ISA for the relevant tax year in which you invested

• The Plan is not the same as a bank or building society account where capital is guaranteed, and with instant access accounts, is readily available without penalty

Please refer to the Brochure and the Terms & Conditions for full details.