Summary: Premier Limited Editions No. 39: Premier UK Growth Plan (PLE 39) is a growth plan offering the potential of early maturity from year one, plus a predetermined 14% annual growth rate for six years on your net investment. 

Capital Security: Full return of your net investment if the Index does not fall by 50% or more at any point during the life of the Plan. Please refer to the flow chart on page 2 for more details.

Term: 6 years. The Plan may mature early at the end of years 1, 2, 3, 4 or 5. The flow-chart on page 2 explains more clearly how this works.

Underlying Market: FTSE 100 Index

Product Type: Direct investment, or Stocks & Shares ISAs and ISA transfers for 2008/09, pension schemes.

Investment Amount: Minimum £5,000, maximum £1,000,000

Assets Arranged by: One of the largest institutions in the world.

Returns: The Plan should be considered as a 6 year investment. However, if the Closing Value of the FTSE 100™ Index is equal to, or greater than, the Start Value of the Plan at the end of years 1, 2, 3, 4 or 5, then the Plan will mature early and you will receive the growth detailed on page 2, plus your net investment in full.

Investment returns are based on your net investment, that is, the amount of your investment after any commission previously agreed with your financial adviser has been deducted. For example, if you invest £10,000 and agree to pay your financial adviser 3% commission, the investment returns of 14% per annum would be based on £9,700. Therefore, if the Plan matures at the end of the first year, you would receive back your full capital minus the commission, £9,700, plus 14% growth on this amount, £1,358, giving you a total return of £11,058.