Structured Solutions Explained

The Original Investment into our Growth Plans is held on deposit by Cater Allen Private Bank and returned at maturity. After the term, the potential return is a percentage which is linked directly to any growth in FTSE 100 Index². There is no upper limit on this return. However, if the Final Index Level of the FTSE 100 Index is lower than the Initial Index Level, only the Original Investment is returned.

The Original Investment into our Enhanced Growth Plans is held on deposit by Cater Allen Private Bank and returned at maturity. After the term, the potential return is an enhanced percentage which is linked directly to any growth in FTSE 100 Index². However, because the percentage return is enhanced - a greater percentage than that offered by our ‘Growth Plan' - it is capped at a maximum percentage return of the Original Investment. If the Final Index Level of the FTSE 100 Index is lower than the Initial Index Level, only the Original Investment is returned.

The Original Investment into our Defined Return Deposit Plans is held on deposit by Cater Allen Private Bank and returned at maturity. The Plans are usually offered with a shorter term and provide the opportunity to receive a defined percentage at maturity if the FTSE 100 Index Level has stayed the same or risen by any amount. Alternatively, depending on the Plan, there may also be an opportunity to receive a defined, albeit lesser return, if the FTSE 100 Index Level has decreased.

The Original Investment into our Annual Locked-In Return Plans is held on deposit by Cater Allen Private Bank and returned at maturity. Over the term of the Plan, the FTSE 100 Index Level will be recorded at each anniversary at which time, if the Index Level is the same as or higher than the Initial Index Level, the Plan will lock-in a percentage return of your Original Investment. Any cumulative returns will be paid out at maturity. For any year that the recorded Index Level is below the Initial Index Level, no return will be locked in.

The Original Investment into our Income Plans is held on deposit by Cater Allen Private Bank and returned at maturity.  These plans offer the opportunity to receive a fixed percentage income each year that the FTSE 100 Index level, at annual income observation dates, is the same as or higher than the Initial Index Level.  However, no income is payable for those years when the FTSE 100 Index is lower than the Initial Index Level.

The Original Investment into our Kick-Out Plans is held on deposit by Cater Allen Private Bank and returned at maturity. Like our Growth Plans, these Plans offer the opportunity to receive a percentage return linked to FTSE 100 Index growth at maturity, however there are also opportunities for the Plan to mature / ‘kick-out' early. If, at a set annual observation date, the FTSE 100 Index Level is at or above the Initial Index Level, the Plan will mature and return a specified percentage. This percentage will increase incrementally each year that the Plan has continued past the potential kick-out date. If the Plan has not kicked-out before the end of the term, the return will be linked to the percentage growth of the FTSE 100 Index, if at this time the Index is lower than the Initial Index Level, only the Original Investment will be returned.

The Original Investment into our Participation Plus Plans is held on deposit by Cater Allen Private Bank and returned at maturity. The potential return is a percentage which is linked directly to any growth in FTSE 100 Index at the end of the term. There is an upper limit on this return however, if the Final Index Level is the same as the Initial Index Level, or is below a specified level of growth, the Plan will return a fixed percentage.  If at maturity the Final Index Level is lower than the Initial Index Level, only the Original Investment is returned.