The 100% Capital Protected Growth Plan may not be suitable for all investors. All reasonable steps have been taken to minimise the potential risk to investors and to operate the Plan in accordance with its aims. However, you need to be aware of the following risks which may have an adverse affect on the performance of the Plan:

• The Plan aims to provide the potential for an enhanced capital growth plus full capital repayment at maturity regardless of the performance of the FTSE® 100 Index, provided that you hold your investment for the full 6 year term.

• Any capital growth generated by the Plan does not include any allowance for dividends paid by the companies, which comprise the FTSE®100 Index.

• The Plan Manager will arrange for the purchase of Plan securities from financial institutions rated ‘AA-’ or equivalent (at the time print) by a leading independent credit rating agency such as Fitch Ratings, Moody’s or Standard and Poor’s. In the event of such securities being unavailable, the Plan Manager may substitute the securities with alternatives with similar characteristics.

• There is a risk that the financial institution may fail to meet its obligations. In addition, the terms of the investment may permit the financial institution to withhold, defer, reduce or even terminate payments in certain events, as a result of which investors may receive less than they would otherwise or may have to wait for the proceeds.

• Your circumstances could change, forcing you to sell your Plan investments early. If this happens, you may get back less than the amount you originally invested. The value of the Plan will be determined by the price at which the Investments can actually be sold on the relevant Dealing Date.

• You cannot claim full reimbursement if the price at which your securities were purchased has fallen, when we sell them, following you exercising your right to cancel.

• If you invest via an ISA and subsequently decide to cancel, it may not be possible to invest in another ISA for the relevant tax year in which you invested.

• Tax assumptions are based on Keydata's understanding of current legislation and practice at the time of print of the brochure and supporting sales literature. The levels and basis of taxation and relieves from taxation can change at any time and any change could be applied retrospectively. The value of any tax relief depends on individual circumstances. For tax advice, potential investors should consult their professional advisers.

• Past performance IS NOT necessarily a guide to future performance and should not be used to assess the risks associated with this investment.

• 100% Capital Protected Growth Plan is not the same as a bank or building society account where capital is guaranteed and, with instant access accounts, is readily available without penalty.

• The effect of inflation will reduce the real value of what you receive at the end of the term.

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