How it works

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Key Features

If you keep your investment in the Plan for the full 4 year Investment Term your initial capital is 100% guaranteed*. In addition, you’ll receive a gross growth payment on your Initial Investment at the end of the investment term.

How is the return calculated?

  • The Investment Term is divided into 16 quarterly periods starting from 13 February 2009.
  • On 13 February 2009 the FTSE® 100 (the Index) closing price is taken. On the last day of the first quarter the Index closing price is taken. The percentage gain or fall between the 2 prices is then calculated.
  • The same calculation is made for each of the subsequent 15 quarters. The 16th, and last quarterly closing price, is taken on 13 February 2013.
  • The maximum gain or fall in the Index in any quarterly period is limited to a maximum of +2.5% or -2.5%.
  • Once calculated each quarterly figure is set and will not be affected by the performance of the Index in subsequent quarters.

      Calculating your return

      • At the end of the fixed Investment Term, the quarterly period gains in the level of the Index are added together, and the quarterly period falls in the level of the Index are subtracted (subject to the maximum gain or fall in any quarterly period being 2.5%). This gives the overall percentage return.
        • If the overall percentage return is equal to or greater than the minimum 11.25% guaranteed growth then that overall percentage return is the rate of growth paid on your Initial Investment.
        • If the overall percentage return is less than 11.25%, the rate of growth paid on your Initial Investment is 11.25%.
      • The maximum growth of 40% will only be achieved if the percentage gain in the Index is +2.5% or more in each of the consecutive quarterly periods.
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      • Remember:

      The first date you can invest is: 7 November 2008
      The last date an ISA transfer application can be received by Keydata is: 10 January 2009
      The last date you can invest is: 24 January 2009

       

      * The Guarantee is the obligation of Credit Suisse International to repay the capital invested in the deposit in full at maturity. Should Credit Suisse International default, there is no guarantee provided by any third party. Credit Suisse International is a member of the Financial Services Compensation Scheme, which provides limited protection to deposit holders. Details of the Scheme are set out in clause 7 of the Terms & Conditions (see page 13 of the PDF Product Brochure).


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