FTSE Income Deposit Plan 3

Potential gross income of 1.4% per quarter or 7.0% per annum

Key Features

  • Potential income payments linked to the performance of the FTSE 100™ (‘the Index’).
  • If the Level of the Index closes below 4250 or above 7250 on any business day during an Observation Period, no income payment will be made for that particular period.
  • 100% capital return at maturity regardless of the performance of the Index, subject to counterparty risk.
  • Direct investments and cash ISAs invested in the Plan are placed on deposit with The Royal Bank of Scotland plc ('RBS'), and it is our understanding that if RBS were unable to pay the amounts due, an investor may have recourse to the Financial Services Compensation Scheme ('FSCS').
  • Available to 9th November 2011.

Target Market

This investment could be suitable as part of an investment portfolio for investors who

  • understand that returns are based on the performance of an Index;
  • are able to invest for a period of up to six years, and
  • are looking for a capital protected investment but with a higher potential income payment than would be available via a standard deposit based account.

Key Dates

Offer period

28th October 2011 – ISAtransfer applications

4th November 2011– applications with cheques

9th November 2011–applications with bank transfers

Strike Date

11th November 2011

Observation Periods

Please see page 2 of the brochure.

Maturity date

24th November 2017

You should refer to the brochure which contains full details of the FTSE Income Deposit Plan3.

Telephone enquiries to:0207 904 1010or email to

Key facts

Investment Term: / Six years and two weeks.
Availability: / As direct investments, cash ISAs, cash ISA Transfers, and for pension funds, trustees and companies.
Index / FTSE 100™
Investment Return / Potential 1.4% gross income payment per quarter or 7.0% gross income payment per annum. If the Level of the Index closes below 4250 or above 7250 on any business day during anObservation Period, no income payment will be made for that particular period.
Capital Return / Capital will be returned in full at maturity regardless of the performance of the Index, subject to counterparty risk.
Counterparty Risk / The Deposit Taker will be The Royal Bank of Scotland plc (‘RBS’), which has a current rating of ‘A+‘ by Standard and Poor’s, as at 20th September 2011. If RBS were to fail to meet the repayments due to us, investors could lose some or all of their investment. The credit rating is subject to change during the offer period and the term of the investment. Counterparty risk is common to all similar investments. All references to the credit rating are correct as at the date of the brochure.
Tax / Under current tax legislation interest from assets heldin an ISA will be free from any tax, while interest from direct investments will be subject to Income Tax.
Charges / There are no initial or ongoing charges. Charges are included in the pricing of the investment. Early encashments and transfers during the investment term will be subject to administration charges.
Interest / Interest will be credited on subscriptions received and held in our client account up to the investment date, subject to a minimum interest addition of £10.00.
Commission / 3%
Securities / The Deposits will be structured to provide the returns shown in the plan brochure, and purchased for each investor. These may be notes, warrants, shares or deposits depending on the nature of the investment. These securities will be Deposits.

Full details of the investment are set out in the FTSE Income DepositPlan 3brochure, which incorporates the Terms and Conditions. All potential investors should read the literature carefully and make sure they understand how the Plan works.

This information is for professional investors only and should not be presented to, or relied upon by, private investors.