Risk Factors

RISK FACTORS

The Plan may be suitable for you if:

• You are prepared to risk losing some or all of your initial Plan investment

• You are looking for an investment linked to the performance of stock markets

• You do not need access to your money over the next 5 years

• You want a tax-efficient investment using your ISA allowance or via a SIPP/SSAS

• You have a minimum of £1,500 to invest

The Plan may not be suitable if:

• You want a regular income and dividends

• You may need immediate access to your money

• You cannot commit to the full Investment Term

• You want a known guaranteed rate of return

• You want to add to your investment on a regular basis

• You do not want to invest in a UK onshore asset that is subject to UK tax rules

Important information to consider

• Your initial investment is at risk. If the FTSE 100 falls by more than 50% at any point during the Plan, and finishes lower than the starting level, you will lose some or all of your money.

• If you redeem your investment before the end of the term, you may get back less than the amount you originally invested.

• Your money will be held by Investec Bank plc. If Investec goes bankrupt or similar, you could lose some or all of your money.

• Inflation will reduce what you could buy in the future.

• The past performance of the FTSE 100 is not necessarily an indication of its future performance.

• The tax treatment of the Plan could change at any time.

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