What are the aims of the FTSE 100 and RPI Combination Plan 9?

The objective of the Plan is to deliver quarterly payments which are fully indexed to UK inflation via its core measure, the Retail Prices Index (RPI), and to return at maturity an amount equal to 100% of your initial Plan investment.

If a Barrier Breach occurs and the Final Index Level is less than the Initial Index Level, your initial Plan investment will be at risk on a one-for-one basis for any percentage point fall in the Final Index Level as compared to the Initial Index Level.

If, however, a Barrier Breach does not occur or if a Barrier Breach occurs but the Final Index Level recovers such that the Final Index Level is equal to or greater than the Initial Index Level at maturity, your initial Plan investment will be protected (please see Table B on page 6 of the plan brochure).

The Plan offers two alternative investments: an ISA only option and a Non-ISA option. The ISA only option is comprised solely of Medium Term Notes (MTNs) while the Non-ISA option is comprised of a combination of MTNs and deposits. Both options aim to deliver:

• 20 quarterly payments equivalent to 2% of your initial Plan investment plus full indexation of each payment to UK inflation (RPI), regardless of FTSE 100 performance;

• Maturity payment of an amount equal to 100% of your initial Plan investment, provided:

a. a Barrier Breach does not occur, or,

b. a Barrier Breach occurs but the FTSE 100 recovers such that the Final Index Level is equal to or greater than the Initial Index Level.

The Initial Index Level is the closing level of the FTSE 100 on 7 September 2009.

The Barrier Start Date is the opening level of the FTSE 100 on 8 September 2009.

The Barrier End Date is the closing level of the FTSE 100 on 12 September 2014.

A Barrier Breach occurs if the FTSE 100 falls below 50% of the Initial Index Level between the Barrier Start Date and the Barrier End Date.