When making your initial subscription please remember that while it is possible to  access funds in the Capital Growth Fifty, it may adversely affect your overall return, as a Market Value Adjustment will be applied on withdrawal. Early withdrawal may mean that the amount you are paid back at the end of the term is significantly less than you originally deposited.

Your initial deposit is guaranteed* (please see page 2 of the brochure) to be returned in full at maturity, less any withdrawals that may have been made. The value of your initial deposit could be eroded by the effects of inflation.

You should keep your deposit in the HSBC Guaranteed Capital Account for the full term to receive the benefits described. If you redeem your deposit early, you may  receive significantly less than you originally invested. Full details are contained in the Terms and Conditions included at the back of this brochure.

The value of tax relief will depend on your individual circumstances. The favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue & Customs practice change.