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Is this product
right for you? |
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This plan may be suitable for you if:
• you’re happy to hold your investment until the end of the
five year term but with the awareness that it could close
early.
• you’re looking for the potential to receive a fixed
specified bonus at the end of five years, but with the
awareness that an earlier fixed bonus could be payable
instead. The performance of the FTSE 100 Index is only used
to determine whether and when a bonus is paid.
• you’re prepared to accept the risk that you could lose
some or all of your money.
• you’re aware that the FTSE 100 Index may perform better
than the return you will receive under this Plan.
• you understand that you will be invested in securities
issued by RBS only.
• you are using the Plan as part of a diversified portfolio.
• you have some money set aside for emergencies.
• you have a minimum of £3,600 to invest. |
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This plan may not be
suitable for you
if:
• you’re not prepared to put
your capital at risk, with the potential to lose some or all
of your money.
• you’re looking for an investment that does not limit the
growth you’ll receive.
• you don’t want an investment dependent on the performance
of the FTSE 100 Index.
• you’re not sure how the investment works and have not
understood the content of the brochure.
• you can’t remain invested for the full five year
investment term and may need immediate access to your money.
• you want to add to your investment on a regular basis.
• you don’t want your investment to close before the end of
the five year investment term.
• you’re worried that if the performance of your investment
does not meet or exceed the rate of inflation the real value
of your investment will reduce.
• you have no money set aside for emergencies. |
Important Information
• The returns provided by this Plan
are achieved by exposing your capital to risk. This means that at
the end of the investment term you may not get back any or all of
the original capital that you invested.
• Where the FTSE 100 Index has fallen by more than 50% of the
starting index level at the end of five years, your original
investment will be reduced by 1% for each 1% that the final index
level is below the starting index level. Where the difference
results in a fraction of 1%, the fraction will be applied.
• Where the FTSE 100 Index falls by more than 50% of the starting
index level at any point during the five year term of the Plan, and
is still below the starting index level at the end of five years,
your original investment will be reduced by 1% for each 1% that the
final index level is below the starting index level. Where the
difference results in a fraction of 1%, the fraction will be
applied.
• You could lose some or all of your original investment and any
applicable bonus if
became insolvent and was unable to repay the money.
• If you cash in your Plan before the end of the five year term, you
may get back substantially less than what you had originally
invested.
• RBS as issuer of the securities may withhold, defer, reduce or
even terminate payments in certain events under the terms of the
securities. As a result of this you may get back less than you would
otherwise or may have to wait for the proceeds. Please see point 14,
‘Extraordinary Circumstances, Adjustments and Disruption’ on page 24
of the plan brochure.
• Unless the performance of your investment meets or exceeds the
rate of inflation, the real value of your investment will go down.
• What you get back will depend on the level of the FTSE 100 Index,
nothing is guaranteed. Past performance is no guarantee of future
performance.
• If you use your right to cancel your Plan within the first 14 days
you may get back less than the amount you’ve paid in and you may
lose your ISA entitlement for the current tax year. Please refer to
‘What happens if I change my mind?’ on page 14 of the plan brochure.
• The Plan is not the same as a bank or building society account or
instant access accounts where capital is readily available without
penalty.
• Tax rules may change.
Please refer to the Brochure and the Terms & Conditions for full
details.
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