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Is this product
right for you? |
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Yes ,
I am happy to invest because:
• I accept the risk that I can lose capital and not receive
any return in order to obtain a possible high fixed rate of
return
• I am unlikely to need access to my original capital over
the next six years
• I want the opportunity to receive a return when the
Investment comes to an end that might be higher than that
provided by a deposit account
• It suits me that this Plan is expected to be taxed as
capital gain rather than income and I want the option of
potentially using my Capital Gains Tax annual exemption
• I want the opportunity to receive a tax-free return by
investing in the Plan via an ISA |
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No ,
this plan probably isn’t right for me
because:
• I don’t want to risk losing any of my
original capital at the scheduled maturity of my Investment
• I might need access to some or all of my original capital
before the end of the term, especially in the case of
unexpected emergencies, and I cannot risk getting back less
than I invested if I sell the Investment early
• I am not prepared to take the risk that the Issuer may be
unable to make the payments due at the end of the term of
the Investment or is insolvent at the time the early
disposal feature is triggered, in which case I would get
back less than I was owed or nothing at all
• I don’t want to risk earning no return on my Investment
• I don’t want to give up the dividends I might get if
I invested in shares or similar investments
• I need to know for how long my money will be locked up
• I don’t want to be in a position of not knowing the
Initial Index Level, on which the Investment is based, prior
to making my investment decision
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Things
to Consider
• The Plan is designed for
investors who can leave their capital invested for the term. You can
sell the investment before the end of the term but, if you do, then
you may get back less than you originally invested, particularly in
the earlier years of the investment or until it is sold by the Plan
Manager under the early disposal feature.
• You may not get all of your money back even if you hold the
Investment in your Plan to its maturity.
• Repayment of your capital and payment of any return will depend on
the ability of Barclays Bank PLC to pay at maturity of the
Investment or their general solvency situation at the time of an
early sale of the Investment, in accordance with the early disposal
feature. Barclays Bank PLC, the Issuer, is rated ‘AA-’ by Standard &
Poor’s and ‘Aa3’ by Moody’s (as at 7 July 2010). Please see the
‘What other risks are there?’ section of the brochure for more
details.
If the Issuer is unable to make the payments due at the end of the
term of the Investment or is insolvent at the time the early
disposal feature is triggered, you will get back less than you are
owed or nothing at all.
• The Plan is not a deposit account. All the Plan’s benefits are
paid when the investment comes to an end. No income or other benefit
is paid before then. Unlike a deposit account, the Plan is not
covered by the Financial Services Compensation Scheme (see ‘Your
questions answered’ section of the brochure for further details). If
Barclays Bank PLC were unable to pay the benefits or repay the
capital due to you, you would not have a claim under the scheme.
• Remember, that the starting level of the Plan is the closing level
of the Index on 14 October 2010 and not the level of the Index when
your Application Form is received. Please be aware that the level of
the Index may vary between these two dates.
Please refer to the Brochure and the Terms & Conditions for full
details.
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