To gain a full understanding of this Plan it is important that you read the brochure carefully, including the Terms and Conditions. If you are unsure about anything, please seek financial advice to ensure the Plan suits your requirements and overall investment planning. Remember, the information in this brochure does not constitute tax, legal or investment advice and Moneyworld has given you no advice.  Please read our terms of business before proceeding.

Summary

The Legal & General Early Bonus Plan is a six year Plan that provides the possibility of growth on your money.

Whether or not you receive any growth on your investment is dependent on the level of the  FTSE 100 Index.

This growth is in the form of a specified bonus at a  fixed rate and does not reflect the actual growth of the FTSE 100 Index.

Your money is not guaranteed to grow and there is a chance that you may lose some or all of your money. Please read 'Could I lose my money?' on page 5 of the brochure.

The Legal & General Early Bonus Plan might close early on the first, second, third, fourth or fifth anniversary of your Plan, paying you your original investment plus a  fixed bonus. This would happen automatically if certain conditions were met, and you cannot choose for your  Plan to continue.

If the Plan runs for the full five years, the return will be as follows. The chart headed ‘Payout explained’ on page 9 of the plan brochure shows how this will work.
 

FTSE® 100 Index growth at the end of five years	What you’ll get back
If the final level of the FTSE 100 Index is the same or higher than its starting level	You’ll get back your original investment plus a bonus of 54%
If the final level of the FTSE 100 Index has fallen by less than 50% of the starting level of the index	You’ll get back your original investment
If the final level of the FTSE 100 Index has fallen by 50% or more than its starting level	Your original capital will be reduced by 1% for each 1% that the final level of the FTSE® 100 Index is below its starting level. Where the difference results in a fraction of 1%, the fraction will be applied. Therefore you’ll lose some or all of your original investment.

Considerations for Investing

If the following statements apply then an investment in the plan may be appropriate:

• you're happy to hold your investment until the end of the six year term but with the awareness that it could close early; and

• you're looking for the potential to receive a fixed specified bonus at the end of six 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; and

• you're prepared to accept the risk that you could lose some or all of your money; and

• you're aware that the FTSE 100 Index may perform better than the return you will receive under this Plan; and

• you understand that you will be invested in securities issued by Abbey National Treasury Services plc only; and

• you're using the Plan as part of a diversified  portfolio; and

• you want to avoid currency risk; and

• you have some money set aside for emergencies; and

•you have a minimum of £3,000 to invest.

If the following statements apply then an investment in this plan may not be appropriate:

• you're not prepared to put your capital at risk with the potential to lose some or all of your money; or

• you're looking for an investment that does not limit the growth you'll receive; or

• you don't want an investment dependent on the performance of the FTSE 100 Index; or

• you require an income; or

• you're not sure how the investment works and haven't understood the content of the brochure; or

• you can't remain invested for the full six year investment term and may need immediate access to your money; or

• you want to add to your investment on a regular basis; or

• you don't want your investment to close before the end of the six year investment term; or

• you're worried that if the performance of your investment doesn't meet or exceed the rate of inflation the real value of your investment will reduce; or

• you've no money set aside for emergencies.