iDAD Inflation Linked Deposit Plan – September 2023 – Issue 4

English law governed deposit

Barclays Bank PLC (www.barx-is.com). The PRIIP manufacturer is also the product  issuer. Call +44 (0) 20 7116 9000 for more information.

The product is designed to provide a return in the form of (1) a coupon payment and  (2) a cash payment on the maturity date. The product has a fixed term and will  terminate on the maturity date.

Coupon: On the maturity date you will receive a coupon payment calculated by  multiplying the product notional amount by the applicable coupon rate. The coupon  payment is not linked to the performance of the underlying.

Coupon rate: The coupon rate will be determined as follows:

1. if the reference rate is below 0%, the coupon rate will be 0%; and

2. otherwise, the coupon rate will be the reference rate.

As such, the interest rate will be subject to a minimum rate of 0%.

Termination on the maturity date: On termination of the product on the maturity date you will receive:

1. if the final reference level is at or above the initial reference level, a cash payment  equal to GBP 1.03; or

2. if the final reference level is below the initial reference level, a cash payment equal  to GBP 1.

Under the product terms, certain dates specified below will be adjusted if the  respective date is either not a business day or not a trading day (as applicable). Any  adjustments may affect the return, if any, you receive.

The product terms also provide that if certain exceptional events occur (1) adjustments may be made to the product and/or (2) the product issuer may terminate the product  early. These events are specified in the product terms and principally relate to the  underlying, the product and the product issuer. The return (if any) you receive on such  early termination is likely to be different from the scenarios described above and may  be less than the amount you invested.

When purchasing this product during its lifetime, the purchase price may include  accrued coupon on a pro rata basis. For display purposes numbers within this  document have been cut off at 4 decimal places..

The product is intended to be offered to retail investors who fulfil all of the criteria  below:

1. they have the ability to make an informed investment decision through sufficient  knowledge and understanding of the product and its specific risks and rewards, either  independently or through professional advice, and they may have experience of  investing in and/or holding a number of similar products providing a similar market  exposure;

2. they seek income and/or full protection of the product notional amount, subject to  the issuer’s ability to pay, expect the movement in the underlying and reference rate to  perform in a way that generates a favourable return and have an investment horizon of the recommended holding period specified in the key information document

3. they accept the risk that the issuer could fail to pay or perform its obligations under  the product but otherwise they are not able to bear any loss of their investment; and

4. they are willing to accept a level of risk to achieve potential returns that is consistent with the summary risk indicator shown in the key information document.

The product is not intended to be offered to retail clients who do not fulfil these criteria.