Investing in either of the Plan options does not provide an income. You will receive your return after three or five years (depending on the option you choose).

If you need a regular income from your capital, then the Enhanced Returns Plan may not be suitable for you.

The Plan is designed to be held for three or five years (depending on the option you choose). If you withdraw your money before the Investment End Date, you may not get back as much as  you invested.

Your money will not be invested directly in shares of the companies that make up the FTSE™ 100 Index. Hence, you will not have the right to receive any dividends that these companies  may pay to shareholders.

Unlike directly investing in shares where your capital is at risk, the Enhanced Returns Plan is 100% capital protected, provided you hold the Plan through to the Investment End Date.

This Plan will return your initial capital in full, provided you hold it until the Investment End Date. However, you should be aware that the effect of inflation could reduce the value of what you get back.

The returns from the Plan are capped. Even if the FTSE™ 100 Index rises by more than the maximum return from each option you will not receive any growth above the capped level. However, if the FTSE™ 100 Index stays at the same level or only experiences modest growth the Plan could provide better returns than a direct investment into the shares within the FTSE™ 100 Index.

The Plan enables you to make the most of certain ISA tax-free allowances and Capital Gains Tax exemptions, so it is important to consider your tax situation and consult your Financial Adviser before investing.

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