Product description: The plan will provide fixed annual income of 7.5% or monthly income of 0.60% (payable in arrears). The capital repayment at maturity is dependent on the performance of the FTSE100 Index. The level of income on offer is attractive, taking into account the level of protection offered to the original capital, the fact only a single index is being used and the financial strength of the counterparty.

Capital protection? Full repayment of your capital is not guaranteed at maturity.There would be a capital loss if at any time during the term of the plan the closing level of the FTSE100 fell by more than 50% or more from its starting level and the final index level was lower than the starting level. In that case, you would lose 1% of your original investment for each 1% that the final index level is lower than the starting index level.

Credit rating of counterparty: AA- (according to Standard & Poor's)

Taxation: Available within an Investment ISA (min. £3,600). You can also transfer existing ISAs (and any former PEPs) into this plan (min. transfer value: £7,000) For direct investments, returns are paid gross but subject to dividend tax at 10%. The Finance Bill 2008 extends to those in receipt of dividends from non-UK companies which reduces the effective rate of tax to 0% for a basic rate taxpayer. Again, due to the Finance Bill 2008, a rate of 25% (instead of the usual 32.5%) will apply to dividend income that falls above the basic rate income tax limit.

Minimum investment: £10,000 for direct investments

Closing Date: 01/09/08 (18/08/08 for ISA transfers)

Chelsea Discount: 2% cashback

If you are interested in investing in this plan, please telephone the main office on 020 7384 7300 for an application form and key features,or download the brochure and application form.

Product description: The plan aims to provide a return of your orignal capital plus growth. Althoughthe plan can mature early, this should be viewed as a 5 year investment. It offers a potential return of 12% pa (not compounded). The plan will "kick-out" on any anniversary that the FTSE100 is at the same level or higher than the initial index level (taken on 20/10/08)

Capital protection? Full repayment of your capital is not guaranteed at maturity. If the FTSE100 falls by more than 50% from its starting level at any time during the 5 year period and the final index level is lower than the starting level, you would lose 1% of your original investment for each 1% that the final index level is lower than the starting index level.

Credit rating of counterparty: AA (according to Standard & Poor's) which is one of the strongest available in the retail space.

Taxation: Available within an Investment ISA (min. £3,600). You can also transfer existing ISAs (and any former PEPs) into this plan. For direct investments, any returns are subject to Capital Gains Tax (CGT) so investors can utilise their CGT allowance in the year of maturity. As an example, if a product with similar terms was to kick out in this tax year, an investor could invest up to £80,000 with no tax to pay on the growth (so long as their CGT allowance hasn't been used elsewhere) as the current allowance is £9,600.

Minimum investment: £3,600

Closing Date: 30/09/08 (17/09/08 for ISA transfers)

Chelsea Discount: 2% cashback

If you are interested in investing in this plan, please telephone the main office on 020 7384 7300 for an application form and key features,or download the brochure and application form. Alternatively, you may be interested in the Lehman Brothers Kick-Out Plan which offers a potential coupon of 14%, although please be aware the credit rating of the issuing institution is A according to Standard & Poor's (hence the higher coupon). Please telephone the main office for details.