The objective of the Plan is to provide regular income payments that deliver returns in excess of cash deposits.

The Plan offers:

• Return of initial deposit at maturity.

• Option 1: 5 potential annual payments of 3% (year 1), 4% (year 2), 5% (year 3), 6% (year 4) and 7% (year 5) or 60 potential monthly payments of 0.23% (year 1), 0.31% (year 2), 0.39% (year 3), 0.47% (year 4) and 0.55% (year 5)

• Option 2: 5 potential annual payments of 6.85% or 60 potential monthly payments of 0.55%

Payments will be made if the Payment Index Level is above 75% (Option 1) or 100% (Option 2) of the Initial Index Level at the end of the relevant income period.

The Initial Index Level is the closing level of the FTSE 100 on 15 June 2010.

The Payment Index Levels are the five-day average closing levels of the FTSE 100 up to, and including, the Payment Observation Date at the end of each income period.