5-Year Defined Returns Plan

Our Defined Returns Plan provides the opportunity for a return on your investment up to 37.5% at the end of the investment period depending on the period of the investment.

This offer is only available until 28 December 2009 and may be withdrawn early, please read the product brochure for more information.

Key features

• The Defined Returns Plan 5 year option offers a return of between 37.50% at the end of the period, dependent on the performance of the FTSE 100 Index.
• If on maturity the level of the FTSE 100 Index is equal to or higher than the initial level at the beginning of your investment, you will receive a return of 37.5%.
• If the FTSE 100 Index level is lower than the initial level, you will receive only your capital back, with no additional return.
• ISA ready for tax free savings.
• Increased 2009/10 Stocks and Shares ISA allowance for over 50’s from 6 October 2009
• You can choose to invest from £3,600 to £75,000
• Full original capital returned at the end of the investment period

What are the risks?

• This is a fixed 5 year term investment. You could sell your plan before maturity, but if you do you are likely to receive back less than you invested.
• This product is protected by the credit worthiness of Barclays. If Barclays fails to meets its obligations, you may get back less than you invested or nothing at all.

We have outlined some of the key considerations to help you decide whether the Defined Returns Plan meets your requirements.

I may be interested in this investment because:

	I want the opportunity for a greater return from my capital on maturity than is currently offered with savings products, but I appreciate that it could be lower, or even nil.
	I am happy to keep my money invested for the time period of the investment
	I want to make sure all my original capital is repaid at the end of the term, but realise that inflation may affect its purchasing power
	I want to use my full 2009/10 ISA Stocks and Shares ISA allowance

This investment may not suit me because:

	I need access to my original capital during the term of the plan.
	I want to save on a regular basis and add to my investments from time to time
	I want to re-invest my income
	I want to keep my money in a deposit account rather than an investment

Please read the Defined Returns Plan brochure† before investing.

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