• Protected FTSE Plan 3 is a six year two week, capital protected investment.

• The investment return from the Plan is linked to the performance of the FTSE 100 Index (“the Index”).

• If the Final Level of the Index is at or above its Opening Level the Plan will provide at maturity a full repayment of your capital plus a growth payment of 45%.

• The return of your original investment is not dependent on the performance of the Index, however you could lose some of your investment in the event of the Royal Bank of Scotland (“RBS”) failing to meet its liabilities.

• Any growth on Investments made by individuals outside of an ISA will be subject to Income Tax (see page 8 of the plan brochure).

• If the Final Level of the Index is below the Opening Level no growth payment will be made, but capital will be returned in full subject to counterparty risk (see page 3 of the brochure).

• Direct Investments in the Plan are in deposits with RBS and it is our understanding that if RBS was unable to meet its liabilities you would have recourse to the FSCS.

• The Plan is also available as a stocks and shares ISA for 2010/2011 tax year, which will invest in Certificates issued by RBS. Unlike the deposit version, there would be no recourse to FSCS for the sole reason that RBS failed to pay the amounts due to Meteor.