Dual Index Income Plan November 2017

1 Firstly, print off and complete our Appropriate Assessment Questionnaire. All applications require two proofs of identity - see the questionnaire for more information.

2 Next download, print and complete the application form available. Note that product applications will have multiple documents, so please choose the one relevant to you.

3 Place all completed documents - questionnaire, proofs of identity, application form and cheques for payment - in an envelope and post to:

The Dual Index Income Plan November 2017 is a maximum 6 year income plan linked to the performance of the FTSE 100 and Euro Stoxx 50 Indices. The Plan aims to provide fixed income payments of 1.925% every quarter over the 8 year term, provided both indices are at or above 80% of their starting levels on a quarterly observation date.

You will only receive an income payment equal to 1.925% of your investment if both indices close at or above 80% of their starting levels on a quarterly observation date. If this condition is met, we expect to receive the bulk payment from the counterparty and transfer this to your Reyker account within 10 business days of an observation date. If your plan kicks out, the plan will end and you will no longer receive any potential income.

The first kick out observation date is on 16 November 2018, and it may occur quarterly thereafter. This will happen if on any of the kick out observation dates, the worst performing index is at or above 105% of its starting level. If this happens, the investment will end and you will receive your initial invested capital and a 1.925% quarterly income payment.

If your plan has not automatically kicked out before the end of the 6 year term, there are three possible outcomes at market close on the maturity date:

• If both indices are at or above 80% of their starting levels, you will receive your initial capital in full as well as a 1.925% income payment.
• If the worst performing index is between 80% and 60% of its starting level, you will receive back your initial capital but no income payment.
• If the worst performing index has fallen below 60% of its starting level, you will lose a proportion of your initial capital equal to the percentage fall in the index and there will be no income payment.

Therefore, This Plan has been designed for clients who are looking for a high level of income over a 8 year period, where the level of income is known and can be budgeted for, perhaps to meet living expenses.

It is aimed at clients who may be cash rich but income poor. As the capital is at risk, it is suited to those clients who are willing to take a risk on capital return in order to receive a higher level of income than could otherwise be achieved from cash products, and therefore are likely to have a medium attitude to risk or higher.