Potential Investment Return:  There are several opportunities during the term of the Plan for you to receive a return on your Amount Invested, depending on the performance of the UK stock market – specifically the FTSE 100 Index (UKX)
(the ‘FTSE 100’).

There are set dates during the investment term (‘Early Maturity Dates’) where you might receive a return. The first Early Maturity Date is two years after the Start Date.

If the FTSE 100 closes above a pre-set level on an Early Maturity Date (see the diagram in the brochure for details of these levels), the Plan will mature early (sometimes known as a ‘kick out’), repaying your Amount Invested plus a fixed return equal to 6.85% (not compounded) for each year that has passed since the Start Date.

If on the Final Maturity Date there has been no early maturity and the closing level of the FTSE 100 (the ‘Final Level’) is less than 90% of its closing level on the Start Date (the ‘Start Level’), your investment will have earned no return.

Capital Protection Barrier:  If the FTSE 100 fails to close at or above the required level on any of the Early Maturity Dates, your Amount Invested is at risk:

If the Plan runs for the full term and the FTSE 100 closes lower than 65% of its Start Level (meaning it has fallen more than 35% since the start of the Plan), the repayment of your Amount Invested will be reduced by 1% for every 1% fall in that index (please see page 5 of the Brochure for some examples of how much you could lose in different scenarios).

Dura Capital UK & Europe Conditional Income Plan: April 2022

Potential Income:  You have the opportunity to receive an income payment every three months, depending on the performance of the UK and European stock markets – specifically the FTSE 100 Index (UKX) (the ‘FTSE 100’) and the EURO STOXX 50 Index (the ‘EURO STOXX 50’), together referred to as the ‘indexes’.

On each Income Date, the closing levels of the indexes will be compared to their closing levels on the Start Date (the ‘Start Levels’).

If both the indexes close at or above 80% of their Start Levels on an Income Date, you will receive an income payment equal to 1.825% for that quarter, which is equivalent to 7.30% a year (not compounded).

If at least one of the indexes closes below 80% of its Start Level on an Income Date, you will receive no income for that quarter.

The chance for early maturity

On each quarterly Income Date from the end of the first year, the Plan will mature early if both the indexes close at or above 100% of their Start Levels on an Income Date. If this happens:

• You will receive the income payment of 1.825% for that quarter
• You will be repaid your Amount Invested, and
• The Plan will mature at this point, meaning you will receive no further income payments.

Capital Protection Barrier:  If either of the indexes fails to close at or above 100% of its Start Level on all of the Income Dates from the end of the first year, there will be no early maturity and your Amount Invested is at risk. The amount you get back at maturity will depend on the level of the worst performing index only. On the Maturity Date, the closing levels of the indexes are recorded (the ‘Final Levels’):

• If the Final Levels for both indexes are at or above 80% of their Start Levels, you will receive the final income payment and will be repaid your Amount Invested in full.
• If the Final Level for at least one index is below 80% but both are at or above 65% of their Start Levels, you won’t receive the final income payment but you will be repaid your Amount Invested in full.
• If the Final Level for at least one index is below 65% of its Start Level (meaning it has fallen more than 35% since the start of the Plan), the repayment of your Amount Invested will be reduced by 1% for every 1% fall in the worst performing index (please see page 5 of the Brochure for some examples of how much you could lose in different scenarios).

Potential Investment Return:  There are several opportunities during the term of the Plan for you to receive a return on your Amount Invested, depending on the performance of the UK and European stock markets – specifically the FTSE 100 Index (UKX) (the ‘FTSE 100’) and the EURO STOXX 50 Index (the ‘EURO STOXX 50’), together referred to as the ‘indexes’.

There are set dates during the investment term (‘Early Maturity Dates’) where you might receive a return.  The first Early Maturity Date is two years after the Start Date.

If both the indexes close above a pre-set level on an Early Maturity Date (see the diagram in the Brochure for details of these levels), the Plan will mature early (sometimes known as a ‘kick out’), repaying your Amount Invested plus a return equal to 8.50% (not compounded) for each year that has passed since the Start Date.

If on the Final Maturity Date there has been no early maturity and the closing level of at least one of the indexes (its ‘Final Level’) is less than 90% of its closing level on the Start Date (its ‘Start Level’), your investment will have earned no return.

Capital Protection Barrier:  If either of the indexes fails to close at or above the required level on any of the Early Maturity Dates, your Amount Invested is at risk. The amount you will get back at maturity will depend on the Final Level of the
worst performing index only:

If the Plan runs for the full term and both the indexes close at or above 65% of their Start Levels, you will be repaid your Amount Invested in full.

However, if the Final Level for at least one index is below 65% of its Start Level (meaning it has fallen more than 35% since the start of the Plan), the repayment of your Amount Invested will be reduced by 1% for every 1% fall in the worst performing index (please see page 5 of the Brochure for some examples of how much you could lose in different scenarios).

Dura Capital Technology Fixed Income Plan: April 2022

Potential Investment Return:  You will receive an income payment each month during the term. Each income payment will equal 0.42% of your Amount Invested (5.16% AER). The payment of this income is fixed, meaning it will not change during the term of the Plan.

Capital Protection Barrier: Whether you are repaid your Amount Invested in full when the plan matures depends on the performance of the shares of three global technology companies – specifically Amazon, Apple and Microsoft, together
referred to as the ‘shares’. The performance of the shares will be measured from their closing levels on the Start Date (the ‘Start Levels’) to their closing levels on the Final Maturity Date (the ‘Final Levels’).

The amount you will get back at maturity will depend on the performance of the worst performing share only:

• If the Final Levels for all three shares are at or above 50% of their Start Levels, you will be repaid your Amount Invested in full.
• However, if the Final Level for at least one share is below 50% of its Start Level (meaning it has more than halved in value since the start of the Plan), the repayment of your Amount Invested will be reduced by 1% for every 1% fall in the worst performing share (please see the Brochure for some examples of how much you could lose in different scenarios).