Plan Overview

The investment objective of the Plan is to provide growth linked to the performance of the FTSE™ 100 Index with 100% capital return at maturity. The full Investment Term is 5 years. You should not invest if you need access to your money during this period.

• If the Final Index Level of the FTSE™ 100 Index is the same or higher than its Starting Index Level the Plan will repay at maturity the original capital invested and 50% growth.

• If the Final Index Level of the FTSE™ 100 Index for either option is less than the Starting Index Level your original capital investment will be repaid without any growth.

Way to Invest

Direct into the Plan (not via an ISA)

You can invest between £10,000 and £1,000,000 direct into the Plan.

By using your 2008/09 ISA allowance

You can invest using your full Stocks and Shares ISA allowance of £7,200.

Alternatively you can invest £3,600 through your Stocks and Shares ISA allowance, and at least £3,600 as a direct investment into the Plan as the minimum total in these circumstances is £7,200.
 
This still allows you to utilise your full Cash ISA allowance of £3,600 in the 2008/09 tax year, if required.

By transferring an existing ISA investment into the Plan

The minimum you can transfer from an existing ISA (including former PEPs which were reclassified as ISAs on 6 April 2008) is £3,600 but there is no maximum. You can also transfer as many existing investments as you wish but there may be exit or associated charges. See page 7 of the brochure - ‘Investment Risks’, for details.