RISKS • The Plan provides the po

RISK FACTORS

Is this product right for you?

The Plan may be suitable if you;

• Want to get exposure to commodities for the potential of capital gain

• Understand that 100% of your initial investment is protected, provided that you leave it invested for the five-year investment term

• Are using the Plan as part of a diversified investment portfolio

• Want the potential to gain in rising and falling commodity markets – and are comfortable with exposure to short- selling strategies to achieve this (see page 2)

The Plan may not be suitable if you;

• Cannot remain invested for the full five-year term

• Do not want exposure to the global commodities market

• Need a regular income from your investment

• Are concerned about inflation eroding the value of your investment should the Plan under-perform and you only get back your original capital

Investment Risks

• The value of your investment can go down as well as up and you may get back less than you invested

• What you get back will depend on investment performance, nothing is guaranteed. Past performance is no guarantee of future performance

• If you cash in your Plan early you may get back less than you originally invested

• Inflation will reduce what you could buy in the future

• Tax rules could change

• If you use your right to cancel your Plan within the first 14 days, and the value of your investment has fallen by the time we receive your instructions, the amount you get will be less than the amount you have paid in. Please refer to the section 'Is this Plan right for you?' on page 5 of the brochure

Please refer to the Brochure and the Terms & Conditions for full details.