Plan Summary

5 Year Plan

The 5 year option of the Super Tracker offers the opportunity to make competitive above-market returns even when the FTSE 100 Index (‘the Index’) makes only modest gains over the term of the investment. If the Index falls by more than 50 per cent from its starting level at any point during the term and is below the start date level at the final maturity date, you will not receive any return and your capital repayment will be reduced by the percentage by which the Index falls from the start level.

• 5x any rise in this index, up to a maximum of 80%

• 100% return of capital unless the Index falls by more than 50% during the term and fails to recover

• Tax-efficient ISA options for 2008/09 including ISA and/or PEP transfers

• Use your remaining capital gains tax allowance for further tax-free returns on capital invested outside of an ISA

• Eligible for pension portfolio investment within a SIPP or SSAS

• Suitable for Corporate and Trustee investment

3 Year Plan

The 3 year option of the Super Tracker offers the opportunity to make competitive above-market returns even when the FTSE 100 Index (‘the Index’) makes only modest gains over the term of the Plan. If the Index has fallen by more than 50 per cent from its starting level at any point during the term and at the final maturity date is below the start date level, you will not receive any return and your capital repayment will be reduced by the percentage by which the Index has fallen from the start level.

• 3x any rise in this index, up to a maximum of 45%

• 100% return of capital unless the Index falls by more than 50% during the term and fails to recover

• Use your capital gains tax allowance to generate potential tax-free returns

• Eligible for pension portfolio investment within a SIPP or SSAS

• Suitable for Corporate and Trustee investment