• A five-year investment
• An investment return linked to the performance of a diversified basket of commodities
• Repayment of your original capital at the end of the five-year term
• You can sell the investment before the end of the term but you might get back less than you invested
• Tax-efficient investment options including transferring Stocks and Shares ISAs
• Eligible for pension portfolio investment within a SIPP or SSAS
• 3.5% Commission
• Further details

• Five year investment term
• An investment return based on a strategy which offers participation in the performance of the iShares MSCI Emerging Markets Index Fund
• Access to 23 emerging markets worldwide
• Repayment of capital for clients investing for the full five years
• Tax-efficient investment options including ISA and/or PEP transfers
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• 3% Commission
• Further details

• Three investment options
• Three-year option – Potential fixed return of 18% and full return of capital at maturity
• Four-year option – Potential fixed return of 28% and full return of capital at maturity
• Five-year option – Potential fixed return of 40% and full return of capital at maturity
• Returns taxed as capital gains – utilise CGT allowances to receive potentially tax-free returns
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• 2.5% Commission (three year option)
• 3% Commission (four and five year options)
• Further details

• A return equal to 13.5% for each year the Plan is in force
• Automatic maturity each year if the Index is the same or higher than the starting level
• Full capital repayment on an automatic maturity. If there is no automatic maturity, capital will still be repaid in full unless the Index falls by more than 50% and fails to recover
• Tax-efficient ISA investment options for 2008/2009 including ISA and/or PEP transfers
• Potential Capital Gains Tax exemption for further tax-free returns on capital invested outside of an ISA
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• 3% Commission
• Further details

• Three and five year options
• Three-year option: 1.25 x any rise in the FTSE® 100 Index, subject to a maximum gross return of 25%
• Five-year option: 2.5 x any rise in the
  FTSE® 100 Index, subject to a maximum gross return of 50%
• Potential early maturity option after two and
  a half years (five-year option only) of 25% if the Index is 25% or more above the Initial Index Level
• Repayment of your original capital at the end of the chosen term if held to maturity
• Tax-efficient investment options including ISA and/or PEP transfers 2008/09 (five-year option only)
• Eligible for pension portfolio investment within a SIPP or SSAS
• 2.5% Commission (3-year Option)
• 3% Commission (5-year Option)

Due to exceptional demand, the current edition of the Minimum Return Plan is near full subscription and will now close on 31 December 2008.
NB. Applications will be accepted up to 5.00pm on the day. Despite early closure, we are pleased to confirm that a new offer is scheduled for launch on 12 January 2009. Full details to be announced in the coming days.

• Provides a fixed minimum return of 18%
  at maturity
• Potential additional bonus return of 26%*
• Full return of capital when the Plan matures
• Tax-efficient ISA options for 2008/09 including ISA and/or PEP transfers
• Use your remaining capital gains tax allowance for further tax-free returns on capital invested outside of an ISA
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• Six-year investment term
• 3% Commission

*Based on the performance of the FTSE 100 index.

Five year option

• 4x any rise in this index, up to a maximum of 100%
• 100% return of capital unless the Index falls by more than 50% during the term and fails to recover
• Tax-efficient ISA options for 2008/09 including ISA and/or PEP transfers
• Use your remaining capital gains tax allowance for further tax-free returns on capital invested outside of an ISA
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• 3% Commission

Three year option

• 2.5x any rise in this index, up to a maximum of 50%
• 100% return of capital unless the Index falls by more than 50% during the term and fails to recover
• Use your capital gains tax allowance to generate potential tax-free returns
• Eligible for pension portfolio investment within a SIPP or SSAS
• Suitable for Corporate and Trustee investment
• 3% Commission