Plan Summary

• Provides a fixed minimum return of 18% at maturity

• Potential additional bonus return of 26%*

• Full return of capital when the Plan matures

• Tax-efficient ISA options for 2008/09 including ISA and/or PEP transfers

• Use your remaining capital gains tax allowance for further tax-free returns on capital invested outside of an ISA

• Eligible for pension portfolio investment within a SIPP or SSAS

• Suitable for Corporate and Trustee investment

*Based on the performance of the FTSE 100 index.

Investment Options Summary

• Outside an ISA, direct investment (minimum £3,600 up to £500,000). This is available for both individual and joint applications.

• Stocks and Shares ISA investment (minimum of £3,600 up to £7,200). This is only available on an individual basis.

• ISA transfers (minimum £3,600 up to £500,000). If you have investments already held within ISAs, you can apply to your existing ISA manager to have the proceeds of these transferred (either in full or in part) into the selected plan without losing the tax efficient status of your ISA.

• Self Invested Personal Pensions (SIPP) and Small Self Administered Scheme (SSAS) pension arrangements (minimum £3,600 up to £500,000). However you should seek advice as to whether the specific terms of your arrangement permit investments of this type.