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Is this product
right for you? |
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Yes ,
I am happy to invest because:
• I accept the risk to my capital in order to benefit from
any rise in the Index, subject to a maximum return, in
addition to the opportunity to lock-in a minimum return
• I am unlikely to need access to my money over the term
• I want to share in some of the growth potential of the
Index over the next six years
• It suits me that this Plan should be taxed as capital gain
rather than income and I want the option of potentially
using my Capital Gains Tax annual exemption |
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No ,
this plan probably isn’t right for me
because:
• I don’t want to risk losing any of my
capital at the maturity of my investment
• I might need access to some or all of my money before the
end of the term, especially in the case of unexpected
emergencies, and cannot risk getting back less than I
invested if I sell the investment early
• I am not prepared to take the risk that the Issuer,
Barclays Bank PLC, might not be able to repay my capital and
pay any return due to me at maturity
• I don’t want to give up the dividends I might get if I
invested in shares or similar investments
• I don’t want to risk earning no return on my investment or
less than I could have earned in the same period in a
deposit account
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Things
to Consider
• The Plan is designed for
investors who can leave their capital invested for the term. You can
instruct us to sell your Investment in the Plan before the end of
the term but you may not get back the amount you invested
irrespective of the level of the Index at the time.
• The FTSE 100 Index measures only the capital value of the shares
in the Index and no allowance is made for dividends paid by the
companies in the Index.
• Repayment of your capital and payment of any return will depend on
the ability of the Issuer to repay the capital and pay any return.
Barclays Bank PLC, the Issuer, is rated ‘AA-’ by Standard and Poor’s
and ‘Aa3’ by Moody’s (14 January 2010). If the Issuer is unable, at
maturity, to repay the capital, or pay a return, you will receive
less than is due to you or nothing at all. (See the ‘What other
risks are there?’ section in the plan brochure for more details).
• Your capital is at risk if the lock-in feature is not activated,
the Final Index Level is below the Initial Index Level, and the
Index has fallen to a level lower than 50% of the Initial Index
Level, at the close of business on any day during the term. In this
scenario, repayment of your capital will be reduced by the
percentage amount by which the Final Index Level is below the
Initial Index Level (rounded to two decimal places).
• The Plan is not a deposit account. All the Plan’s benefits are
paid at the end of the term. No income or other benefit is paid
before then.
• Remember, that the starting level of the Plan is the closing level
of the Index on 23 April 2010 and not the level of the Index when
your application form is received. Please be aware that the Index
level may vary between these two dates.
Please refer to the Brochure and the Terms & Conditions for full
details.
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