RISKS • The Plan provides the po

RISK FACTORS

Is this product right for you?

This plan may be suitable for you if you are looking for:

• your money to be invested for a fixed term of three years;

• a fixed Interest rate paid annually; and

• a deposit based plan (and you have other money set aside for short term needs/emergencies and any debts you may have).

This plan may not be suitable for you if if you are looking for:

• access to your money during the fixed term;

• a way to set aside money for emergencies or to cover any debts;
and/or

• a return linked to a stock market index, for example, the FTSE 100 Index.

Important Information

• If you have to take out some or all of your money before the end of the fixed term, you may receive back less than you originally invested and you will lose any unpaid interest payments.

• If the Deposit Taker is unable to pay what they owe, you could lose some or all of your money and any returns due.

• Unless the performance of your Plan meets or exceeds the rate of inflation, the real value of your Plan will reduce.

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