Chelsea Financial Services

Legal & General Inflation Protected Deposit Bond 2

5 Years

Your money is held on deposit in a client account with RBS.

Your money has the same security as a traditional savings account. If the bank in question is unable to pay back the monies at the end of the term then you will have recourse to the FSCS (Financial Services Compensation Scheme) up to a maximum of £85,000.

The Royal Bank of Scotland (A-)

This product offers investors a minimum return of 16% (3% AER) or 100% of any growth in the UK Retail Prices Index (RPI) - whichever is greater

This product has been created to protect savings from inflation between now and January 2017. It is aimed at people whose cash savings have a rate of interest lower than the RPI but are unwilling to risk their capital by investing in the stock market.

Returns are subject to income tax unless held within a Cash ISA.

Brochure

Direct Application form

Application for a Cash ISA or to transfer a Cash ISA

1.5%

02/03/12

Cash ISA transfers by 17/02/12

UK Annual Kick Out Plan - March 2012

6 Years and 2 weeks

This is a Capital at Risk product.

Capital will be repaid in full unless the counterparties(in this case Rabobank) becomes insolvent or if at the end of the 6 years and two weeks the FTSE100 Index closes at a level lower than 40% of its initial index level (and there has not been a kick out) in which case capital will be reduced by the percentage by which the final anniversary index level is lower than the initial index level.

Rabobank (AA)

To determine whether a Kick Out Event has occurred, the Closing Value of the FTSE100 is recorded on each
Annual Observation Date. If the Index is at the same level or greater than Start Value then the product kicks out with a coupon of 7.25% for each year the plan has been running.

Please note if no Kick Out Event occurs on any Annual
Observation Date, there would be no Growth Payment.

Brochure

1.5%

09/03/12

(17/02/12 for ISA transfers)

FTSE100 Accelerated Growth Plan 31

5 Years

This is a Capital at Risk product.

If the Final Index Level is equal to the Initial Index Level you will receive back your initial investment,
with no return (subject to the counterparty)
If the Final Index Level is less than the Initial Index Level your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 (including partial percentages)

Investec        (BBB as rated by Fitch)

This Plan aims to provide 200% of any rise in the FTSE 100 after 5 years with no upper limit on the maximum return together with your initial investment at the end of the Plan Term.

However, if the FTSE 100 has fallen after 5 years, your initial investment will be reduced by 1% for every 1% fall.

Brochure

Standard Application form

ISA Transfer Application form

2.0%

24/02/12

10/02/12 for ISA transfers

FTSE 100 Enhanced Kick Out Plan 26
(Investec Version)

5 Years

This is a Capital at Risk product.

Capital is lost if the level of the FTSE 100 at maturity is more than 50% below the starting level. In this case, capital will be reduced by 1% for every 1% the index has fallen below the opening level.

Investec
(BBB as rated by Fitch)

This product offers investors a potential return of 120% of any growth in the FTSE 100 over the investment term.

There is a potential for early maturity if the value of the index at any anniversary is greater than the starting level. In this instance, capital will be returned along with 13.5% for each year that the plan has been invested (not compounded). There is an alternative version of this product which is collaterised and offers a potential coupon of 11%.

Brochure

Standard Application form

ISA Transfer application form

2.0%

24/02/12

10/02/12 for ISA transfers

FTSE 5 Quarterly Kick Out Plan 5

5 Years 2 weeks

(maximum term)

This is a Capital at Risk product.

You will lose some, or all, of your money if on 2nd March 2017 the Final Level of the lowest performing share is more than 50% lower than its Opening Level. The amount you would lose will equal the percentage fall in the share price of the lowest performing share.

In addition, the capital and investment returns of the Plan are dependent on the counterparty being able to make the payments due from the Plan.

Royal Bank of Scotland   (A-)

The returns from the Plan are linked to the share performance of five leading companies within their respective sectors. These are
HSBC Holdings (Financial), Royal Dutch Shell – Class A Shares (Energy), Tesco PLC (Consumer), BHP Billiton (Mining) and GlaxoSmithKline (Pharmaceuticals). These companies are all in the FTSE 100 Index.
If, on any Quarterly Measurement Date, the closing share prices of all five shares are at least 95% of their respective Opening Levels, the Plan will kick-out, i.e. mature early and
make a growth payment of 6% of the money you invest for each quarter that the Plan has been in force.

Please see the brochure for further details.

Brochure

1.5%

24/02/12

17/02/12 for ISA transfers

Income Plan (FTSE100 & S&P500)

6 Years 3 weeks

This is a Capital at Risk product linked to the performance of the FTSE100 Index and the S&P500 Index

You will receive a full return of your original capital at maturity so long as on the Final Level date, the worst performing Index has not fallen by 50% or
more from its Initial Level.
You will receive a reduced Capital Return if the worst performing Index has dropped by 50% or
more from its Initial Level on 27/01/12. In this event the reduction will be at the rate of 1% for each 1% the Index has fallen.

Barclays (A+)

This is an income plan that pays a monthly coupon of 0.54%

Brochure

1.5%

25/01/12

(18/01/12 for ISA Transfers)

FTSE Booster Plan 2

6 Years

This is a Capital at Risk product.

Capital will be repaid in full unless the counterparty (in this case, Morgan Stanley) becomes insolvent or if the FTSE 100 closes at a level lower than 50% of its initial index level at the end of the term in which case capital will be reduced by the percentage by which the final index level is lower than the initial index level.

Morgan Stanley   (A-)

You will receive a fixed growth return of 60% ater six years as long as the FTSE100 Index has risen, remains unchanged or has fallen by 20% or less over the 6 year investment term.
If the FTSE100 Index does
fall by more than 20% over the term, this does not necessarily mean you face a loss at maturity.
The unique ‘Booster’ feature allows you to receive a positive return if the FTSE100 Index falls by
up to 50%, and even cushions your losses if it falls beyond that. Nevertheless, this plan is not
capital protected and you should be prepared to lose some or all of your initial investment.

Brochure

1.5%

18/01/12

Annual Growth Plan 17

6 Years

Capital is at risk, if the FTSE 100 Index has fallen by more than 50% on the Investment End Date. In this case, capital will be reduced by 1% for every 1% the index has fallen below the opening level.

HSBC (AA-)

This kick out plan is linked to the performance of the FTSE100. It offers investors a potential return of 8% for each year that the plan has been invested with a potential maturity from year one.

On each anniversary, the index level is compared to the starting level. If the level is equal to, or higher than the starting level then the plan will close and capital will be returned along with 8% for each year the plan has been invested. If the index is lower, then the plan will continue until the next anniversary date.

Brochure

Standard Application form

ISA Transfer Application form

1.5%

10/02/12