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Is this product
right for you? |
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Yes ,
I am happy to invest because:
• I want my original capital to be repaid in full at
maturity, provided I leave it invested for the investment
term
• I am interested in the prospect of what might be a
higher return than that received from a deposit account
• I consider the defined rates to be a good prospective
return for me
• It suits me that this Plan should be taxed as capital gain
rather than income and I want the option of potentially
using my Capital Gains Tax annual exemption
• I also have the option to invest via a Stocks and Shares
ISA |
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No ,
this plan probably isn’t right for me
because:
• I might need access to some or all of my money before the
end of the chosen term, especially in the case of
unexpected emergencies, and 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,
Barclays Bank PLC, might not be able to repay my capital and
pay any return due to me at maturity
• I don’t want to risk earning no return on my investment or
less than I could have earned in the same period in a
deposit account
• I don’t want to give up the dividends I might get if I
invested in shares or similar investments
• I understand that I will not be paid or receive any income
or other benefit before the end of the investment term
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Important Information
• The Plan is designed for investors
who can invest and leave their capital invested for the chosen term.
You can sell the investment before the end of the term but you
may not get back the amount you invested irrespective of the index
level at the time.
• You will not be paid or receive any income or other benefit before
the end of the investment term. Furthermore, if the Index at
maturity is lower than the Initial Index Level, you will receive no
investment return at all - only your capital will be repaid.
Equally, if the Index rises above the level at which the maximum
return would be payable, you will not receive any excess return, the
maximum return being 34%.
• The return of 14% will be paid provided that the Final Index Level
is not lower than the Initial Index Level. An additional return of
20% will be paid provided that the Final Index Level is 20% or more
higher than the Initial Index Level. The maximum return is therefore
34%. The FTSE 100 Index measures only the capital value of the
shares in the Index and no allowance is made for dividends paid by
the companies in the Index.
• Repayment of your capital and payment of any return will depend on
the ability of Barclays Bank PLC to repay the capital and pay any
return. Barclays Bank PLC, the Issuer, is rated ‘AA-’ by Standard
and Poor’s and ‘Aa3’ by Moody’s (1 December 2009). If the Issuer is
unable at maturity, to repay the capital, or pay a return, you will
receive less than is due to you or nothing at all. (See the ‘What
other risks are there?’ section on page 17 of the plan brochure for
more details).
• This Plan is not a deposit account. All the Plan’s benefits are
paid at the end of the investment term. No income or other benefit
is paid before then.
• Please note that it will be the level of the Index on 01 March
2010 – the Initial Index Level – which will be compared to the level
of the Index at maturity – the Final Index Level – to determine
whether the Index is higher or lower than it was at the start of the
Plan. The Initial Index Level may be different to the Index level
when your application is received.
Please refer to the Brochure and the Terms & Conditions for full
details.
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