It is important that you consider the following before deciding whether this plan is right for you.

• The Account has a fixed term of five and a half years and is not suitable if you need easy access to your money or require regular income. If you need to close your Account before the Maturity Date, you may not receive back the full amount deposited.

• The use of the word ‘protected’ in relation to this Account refers only to RBS International's obligation to repay your Deposit at maturity, however, if the Bank fails or becomes insolvent, then you may lose some, or all, or your original deposit. The Account is not guaranteed by any third party.

• Dividends are not payable on the Account.

• The Account is available in a choice of two currencies – Sterling and US Dollars. Funds must be deposited with RBS in the same denomination as your chosen currency. There is an exchange rate risk if you invest in a currency that is not your local currency.

• Although your Deposit is protected if the Account is held until maturity (subject to the provisos described above) the return from the Account may not be as much as if you had invested in a traditional deposit account.

• Inflation may reduce the purchasing power of your Deposit by the time the Account matures.

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