The FTSE 100 Accelerated Growth Plan is designed for the investor who is looking for a 5 year investment with accelerated growth potential linked to the UK stock market, and is willing to accept a risk to their initial investment.

The objective of the Plan is to deliver accelerated growth in the FTSE 100 at the Plan Maturity Date. If the FTSE 100 falls, from its Initial Index Level, over the Investment Term, any fall will directly correspond to a loss of your initial investment on a one-for-one basis (please see maturity proceeds table on page 5 of the brochure).

This performance is measured by reference to an Initial Index Level and a Final Index Level and this is explained below and in the Terms and Conditions.

150% of any rise in the FTSE 100 Index: if at the end of the Investment Term, the Final Index Level is the same or higher than the Initial Index Level, the Plan will pay an amount equal to your initial investment plus 150% of  any percentage growth (please see maturity proceeds table on page 5 of the brochure).  Your initial investment is at risk on a one-for-one basis for any percentage fall in the Final Index Level compared with the Initial Index Level.

Full repayment of your initial investment is not guaranteed: Your initial investment is at risk on a one-to-one basis for any percentage fall in the Final Index Level as compared to the Initial Index Level.


What are the ways in which you can invest?

There are several ways to invest in the Plan and you can choose any or all of these:

• Direct investment
   You can invest between £1,500 and £1,000,000 directly into the Plan. Returns may be
   subject to Capital Gains Tax.

• Using your ISA allowance
   You can invest using your stocks and shares ISA allowance (up to £7,200, subject to the
   minimum of £1,500), if you have not already used all, or part of, it in this tax year. In each   
   tax year you may only subscribe to one stocks and shares ISA. ISAs are only available to
   individuals who are resident and ordinarily resident in the UK, restrictions may apply.

• Transferring an existing ISA investment into the Plan
   The minimum you can transfer from an existing cash or stocks and shares ISA is £1,500, up
   to a maximum of £1,000,000. You can also transfer as many existing investments as you
   wish but there may be exit or associated charges from your existing ISA manager.  

• Other ways to invest
   You can also invest in a Self Invested Personal Pension (SIPP) and Small Self Administered
   Scheme (SSAS) pension arrangements. Tax rules and your benefit from them may change at
   any time. You should seek independent tax advice from your financial advisor or tax advisor.