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STRUCTURED DEPOSITS

These savings products combine capital protection with the opportunity to receive returns which are linked to the performance of the stock market, usually the FTSE 100 Index. They are generally more complicated than standard Cash ISAs & Fixed Rate Bonds, and with some there is a risk you could incur losses. We therefore suggest you only invest once you understand how they work.

Legal & General 6 Year Growth Deposit Bond 14

Capital protected product
Available as a Cash ISA & for Cash ISA transfers

Selected structured deposits

» | Updated daily | Ordered by investment term

          Please note this is a non advice service and we do not provide a whole of market view. We will be paid commission by the plan provider upon completion,
          further details are available on request. Structured Deposit Plans allow you to access stock market linked returns while offering protection of your capital.
          There is a risk that the company backing the plan may be unable to repay your initial investment if they cease trading, for example. In this instance, Structured
          Deposit Plans are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per institution. Any stated returns will usually be
          dependent on the performance of the FTSE 100 Index or shares within the Index, meaning the value of the return can rise & fall. If you withdraw your capital
          early, you may not get back the full amount invested.. You can get Structured Deposit Plans that aim to provide an income, or those that offer the potential for
          growth over the term of the Plan, which is usually between 3 and 6 years. There are no additional fees unless stated.

Income Deposit Plans

All capital protected * **

Account Name	Maximum Potential Yield***	Term	Deposit Taker	Access	More Details
Meteor FTSE Income Deposit Plan 8	7.00% per annum	6 Years	Royal Bank of Scotland	Online Telephone Branch Post Cash point	More Details The Meteor FTSE Income Deposit Plan 8 is a six year two week Structured Deposit Plan linked to the performance of the FTSE 100 Index ('the Index'). The Plan is designed to repay your initial deposit after six years and also provide fixed income returns of 7.00% Gross annually or 1.40% Gross quarterly, as long as the value of the FTSE 100 index at the close of any business day does not fall lower than 4,500 points or rise to more than 7,000 points during each annual/quarterly Observation Period. If the closing level of the Index does fall below 4,500 or rises above 7,000 during an Observation Period, no income payment will be made for that period. The plan is available for Direct Investment, Cash ISA, Cash ISA Transfer, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential annual income – 7.00% or Potential quarterly income - 1.40% Capital protected plan* Royal Bank of Scotland plc is the deposit taker for this plan Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term: 6 years Minimum direct deposit: £10,000 Minimum Cash ISA deposit: £5,640 No maximum deposit Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early ISA transfer deadline: 8th June 2012 Applications with cheques: 15th June 2012 Applications with bank transfers: 20th June 2012 The return of your capital and any growth depends on the ability of the deposit taker (The Royal Bank of Scotland plc) to repay your money. *Subject to the Scheme's eligibility criteria - see brochure for details.
Available for Direct Investment, Cash ISA, Cash ISA Transfer, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts ISA transfer deadline - 8th June 2012 Applications with cheques - 15th June 2012 Applications with bank transfers - 20th June 2012 This plan pays an annual income of 7.00% for each year the FTSE 100 stays between 4,500 and 7,000. If the FTSE falls outside these limits you will not receive any income for that year. You will receive a return of your capital at the end of the term Min direct deposit £10,000 Product designed to be held for the full term

Growth Deposit Plans

All capital protected * **

Product Name	Maximum Potential Return***	Term	Deposit Taker	Access	More Details
Investec FTSE 100 3 Year Deposit Plan 32 - Option 1	17.25% after 3 years	3 Years	Investec Bank	Online Telephone Branch Post Cash point	More Details Option 1 of the Investec FTSE 100 3 Year Deposit Plan 32 is a three year Structured Deposit Plan linked to the performance of the FTSE 100 Index ('the Index'). The investment objective of the Plan is to provide a full repayment of your capital at the end of the three year term, plus a defined return of 17.25% provided that the Final Index Level is higher than the Initial Index Level. If, at maturity, the Final Index Level is equal to or lower than the Initial Index Level, you will not receive an investment return but your original capital will be repaid. The Plan is available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Target return - 17.25% Gross Capital protected product* Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term - 3 Years Minimum single investment - £3,000 Maximum Cash ISA investment - £5,640 Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early 2012/13 ISA investment deadline - 25th May 2012 Direct Investment deadline - 25th May 2012 The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. *Subject to the Scheme's eligibility criteria - see brochure for details.
Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts Offer Period 16th April - 25th May 2012 ISA Transfer Deadline - 11th May 2012 ISA & Direct Investment deadline - 25th May 2012 This plan will pay a fixed return of 17.25% provided the FTSE 100 is higher than it’s starting value at the end of the 3 year term. If the FTSE is lower, no growth is paid and you will only receive a return of your original capital Min direct deposit £3,000 Product designed to be held for the full term

Gilliat Deposit Kick-Out - June 2012	9.50% per annum	Up to 6 Years	Royal Bank of Scotland	Online Telephone Branch Post Cash point	More Details The Gilliat Deposit Kick Out - June 2012 is a six year Structured Deposit Plan linked to the performance of five companies within the FTSE 100 Index. The Plan offers the opportunity for fixed returns linked to the performance of five FTSE 100 companies: AstraZeneca, Man Group, BAE Systems, Marks & Spencer's and RSA Insurance Group. If on any Annual Observation Date the Required Reference Level of all five shares is met, the Plan will mature early returning your original capital plus 9.50% for each year the plan has been active. The Required Reference Levels are 100% of the Start Values of all five shares at the end of Year 1, 95% at the end of Year 2, 90% at the end of Year 3, 85% at the end of Year 4, 80% at the end of Year 5 and 75% at the end of year 6. If a kick-out event never occurs during the six year period, then no interest payment will be made and you'll only receive a return of your initial capital. You can invest either directly (outside of an ISA), via Cash ISA, Cash ISA Transfer or alternatively through a company, charity, trust, Self-Invested Personal Pension Plan (SIPP) or Small Self-Administrated Scheme (SSAS). Potential return: 9.50% for every year the plan is active Capital protected product* Royal Bank of Scotland plc is the deposit taker for this plan Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account** Investment term - 6 Years Minimum single investment - £3,000 Maximum Cash ISA Investment - £5,640 Also available to businesses, charities and trusts This plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn ISA transfer deadline: 1st June 2012 Applications with cheques: 21st June 2012 Applications with bank transfers: 22nd June 2012 The return of your capital and any growth depends on the ability of the deposit taker RBS (The Royal Bank of Scotland plc) to repay your money. *Subject to the Scheme's eligibility criteria. Most types of deposit business are covered up to a maximum of £85,000.
Available for Cash ISA, Cash ISA Transfer, Direct Investment as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts ISA Transfer Deadline - 1st June 2012 Applications with cheques - 21st June 2012 Applications with bank transfers - 22nd June 2012 This plan offers an annual return of 9.50% and can mature early each year provided the values of five FTSE 100 shares meet required levels (75%-100% of starting values). If these levels are not met you will only receive a return of your original capital Min direct deposit £3,000 Product designed to be held for the full term

Investec FTSE 100 Deposit Growth Plan 16 - Option 1	No limit over 5 years	5 Years	Investec Bank	Online Telephone Branch Post Cash point	More Details Option 1 of the Investec FTSE 100 Deposit Growth Plan 15 ('the Plan') is a five year capital protected Structured Deposit Plan linked to the performance of the FTSE 100 Index ('the Index'). The objective of the Plan is to provide a full repayment of the capital at maturity, plus 105% of any growth in the Index after 5 years with no upper limit. Growth in the Index is measured by comparing the Final Index Level to the Initial Index Level. If, at maturity, the Final Index Level is equal to or lower than the Initial Index Level you will not receive an investment return but your original capital will be repaid. This Plan is available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential return - 105% of any rise in the FTSE 100 Index after 5 years Capital protected product* Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term - 5 Years Minimum single investment - £3,000 Maximum Cash ISA investment - £5,640 Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early 2012/13 ISA investment deadline - 15th May 2012 Direct Investment deadline - 15th May 2012 The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. *Subject to the Scheme's eligibility criteria - see brochure for details.
Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts Offer Period 16th April - 25th May 2012 ISA Transfer Deadline - 11th May 2012 ISA & Direct Investment deadline - 25th May 2012 This plan will return 105% of any growth in the FTSE measured as the value at the start and the end of the investment term. If the FTSE is lower at the end of the investment term you will only receive a return of your original capital Min direct deposit £3,000 Product designed to be held for the full term

Investec Kick Out Deposit Plan 27 - Option 2	6.00% per annum	Up to 5 Years	Investec Bank	Online Telephone Branch Post Cash point	More Details Option 2 of the Investec FTSE 100 Kick-Out Deposit Plan 27 is a Structured Deposit Plan linked to the performance of the FTSE 100 Index ('the Index'). The objective of the Plan is to deliver attractive returns with potential for early maturity dependent on the performance of the Index. The Plan has a 5 year term, but offers the opportunity to mature early after years 2, 3, or 4. To achieve early maturity the average closing levels of the Index for the five business days up to and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 6.00% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 18%. If the Plan runs for the full 5 year term and the Kick-Out Levels are never higher than the Initial Index Level then the Plan will return only your original capital with no growth returns. The Plan is available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential return - 6.00% for every year the Plan is in force Capital Protected Product* Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term - Up to 5 Years Minimum single Investment - £3,000 Maximum Cash ISA investment - £5,640 Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early 2012/13 ISA investment deadline - 25th May 2012 Direct Investment deadline - 25th May 2012 * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. **Subject to the Scheme's eligibility criteria - see brochure for details.
Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts Offer Period 16th April - 25th May 2012 ISA Transfer Deadline - 11th May 2012 ISA & Direct investment deadline - 25th May 2012 This plan offers a return of 6.00% for each year its been in place and can mature early from year 2 provided the FTSE 100 is higher than its starting value. If these conditions are not met you will only receive a return of your original capital Min direct deposit £3,000 Product designed to be held for the full term

Legal & General 6 Year Growth Deposit Bond 14	50% after 6 years	6 Years	Royal Bank of Scotland	Online Telephone Branch Post Cash point	More Details The Legal & General 6 Year Growth Deposit Bond 14 is a six year structured deposit plan linked to the performance of the FTSE 100 Index (‘the Index’). The objective of the Plan is to return your capital at maturity and provide a fixed return of 9.00% if the Index has gone up by less than 9.00% or gone down. However, if the Index has gone up by more than 9.00% you will receive 100% of any capital growth in the FTSE 100 Index subject to a maximum return of 50% of your original investment. Growth of the Index will be measured by comparing the Final Level to the Initial Level. Example: If after 6 years the Final Index Level is 30% down on it’s Initial Index Level you will receive £900 return on a £10,000 original investment (9.00%). If the Index has gone up by 2.00% you will receive £900 return (9.00%). If the Index has gone up by 35% you will receive £3,500 (100% of the growth). If the Index has gone up by 60%, you will receive £5,000 (100% of the growth, capped at 50% of your original investment). The Plan is available for Cash ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential return - a minimum of 9.00% or, if greater: 100% of any growth in the FTSE 100 Index, capped at 50% of your original investment Capital protected product* Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account** Investment term - 6 Years Minimum single investment - £500 Maximum ISA investment - £5,640 No maximum total investment Also available to businesses, charities and trusts ISA transfer deadline - 15th June 2012 Direct investment and ISA investment deadline - 29th June 2012 * The return of your capital and any stated returns depends on the ability of the counterparty (Royal Bank of Scotland plc) to repay the monies. ** Subject to the Scheme's eligibility criteria - see brochure for details. Most types of deposit business are covered up to a maximum of £85,000.
This plan is available as a Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts Investment deadline for ISA transfers - 15th June 2012 Investment deadline for ISAs and direct investment - 29th June 2012 This plan will return 100% of any rise in the FTSE 100 measured over the investment term, capped at 50%. If the FTSE is lower or has grown by less than 9.00%, the plan will pay a fixed return of 9.00% as well as a return of your original capital Min direct deposit £500 Product designed to be held for the full term

Meteor FTSE Accumulation Deposit Plan 2	7.50% per annum	6 Years	Royal Bank of Scotland	Online Telephone Branch Post Cash point	More Details Meteor FTSE Accumulation Deposit Plan is a six year and two week Structured Deposit Plan linked to the performance of the FTSE 100 Index (‘the Index’). The Plan is designed to repay your initial deposit after six years and also provide an annual accrual of 7.50% Gross annually or 1.50% Gross quarterly, as long as the value of the FTSE 100 Index at the close of any business day does not fall lower than 4,500 points or rise to more than 7,000 points during each annual/quarterly Observation Period. If the closing level of the Index does fall below 4,500 or rises above 7,000 during an Observation Period, no accrual will be made for that period. Any accrual will be accumulated over the term of the plan and paid Gross at maturity. The plan is available for Direct Investment, Cash ISA, Cash ISA Transfer, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential annual growth – 7.50% or Potential quarterly growth - 1.50% Capital protected plan* Royal Bank of Scotland plc is the deposit taker for this plan Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term: 6 years Minimum Investment for Direct Investments and ISA transfers: £10,000 Minimum Investment for cash ISA investments: £5,640 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early ISA transfer deadline: 8th June 2012 Applications with cheques: 15th June 2012 Applications with bank transfers: 20th June 2012 The return of your capital and any growth depends on the ability of the deposit taker (The Royal Bank of Scotland plc) to repay your money. *Subject to the Scheme's eligibility criteria - see brochure for details.
Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts ISA Transfer Deadline - 8th June 2012 Applications with cheques - 15th June 2012 Applications with bank transfers - 20th June 2012 The Plan aims to provide an annual accrual of 7.5% Gross or 1.5% Gross quarterly, as long as the value of the FTSE 100 Index does not fall lower than 4500 or rise to more than 7000 points on any business day during each annual/quarterly Observation Period Min direct deposit £10,000 Product designed to be held for the full term

Cater Allen Annual Enhanced Growth Plan 10	40% after 6 years	6 Years	Santander UK	Online Telephone Branch Post Cash point	More Details The Cater Allen Enhanced Growth Plan 10 is a six year capital protected Structured Deposit Plan linked to the performance of the FTSE 100 Index (‘the Index’). The objective of the Plan is to provide a full repayment of capital at maturity, plus 4 x any growth in the Index after 6 years with a maximum return of 40%. Growth in the Index is measured by comparing the Final Index Level to the Initial Index Level. If at maturity, the Final Index Level is equal to or lower than the Initial Index Level you will not receive an investment return but your original capital will be repaid. Cater Allen is part of the Santander Group. This plan is available as a Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP, and SSAS pension investments. It is also available to businesses, charities and trusts. Potential return - 4 x any rise in the FTSE 100 Index after 6 years capped at 40%*** Capital protected product* Cater Allen is part of the Santander Group Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account ** Investment term - 6 Years Minimum single investment - £5,640 Maximum cash ISA investment - £5,640 Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early ISA transfer deadline: 29th May 2012 Direct investment and ISA deadline: 5th June 2012 The return of your initial deposit depends on the ability of the deposit taker (Santander UK plc) to repay your money. Subject to the Scheme's eligibility criteria - see brochure for details. Most types of deposit business are covered up to a maximum of £85,000. **Subject to averaging
This plan is available as a Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP, and SSAS pension investments. It is also available to businesses, charities and trusts Offer Period 5th May 2012 - 5th June 2012 ISA Transfer Deadline - 29th May 2012 ISA & Direct Investment deadline - 5th June 2012 This plan offers 4 x any growth in the FTSE 100 after 6 years with a max return of 40%. If at maturity, the Index is equal to or lower than the Initial Level you will not receive an investment return but your original capital will be repaid Min direct deposit £5,640 Product designed to be held for the full term

*The return of your capital and any growth depends on the ability of the deposit taker to repay your money.
**Subject to the Scheme's eligibility criteria - please see the brochure for details.
***Maximum returns/yields are not guaranteed & subject to certain conditions

Our structured deposit plans service provides you with information on various structured deposit plans as well as guides to help you decide on
the right product for you. We earn commissions based on arrangements we make to introduce you to product providers, further details are
available on request. We do not provide you with advice and you should discuss specific product terms with the product provider.

Help & Support

Guide

Structured deposits guide

What is a structured deposit?

A structured deposit is essentially a combination of a deposit and an investment product which offers exposure to stock market linked returns whilst providing capital protection.

They are designed to be held for a fixed term, normally between 3 and 6 years, and the return is dependent on the performance of some underlying asset, which is usually the FTSE 100 Index. Unlike fixed rate bonds, these plans have variable returns and, in some case, variable maturities as well. This flexibility in design results in a wide range of options to choose from, whether you are looking for income or growth.

What are the advantages?

A structured deposit offers a balance of capital protection and the opportunity to receive returns which are linked to the stock market and so are often higher than those available from fixed rate bonds. By limiting the overall investment exposure, these plans are also able to offer capital protection, thus providing a return of your capital regardless of the performance of the index.

There are a number of different types of plan available to meet the needs of a wide range of savers. Some are designed with the potential to mature early, whilst others offer the potential for a high level of income each year, so plans can also benefit from a diverse range of market conditions.

What are the disadvantages?

The cost of the capital protection is that savers are unlikely to get the full benefit of any increase in the underlying index or the payment of dividends. The return of capital is also dependent on the solvency of the deposit taker and so you will need to consider carefully which institution you wish to deposit your cash with, as you would with any other savings product.

With flexibility in design also comes a wide range of complexity in how each product works and you should be sure you fully understand the product before proceeding. If the plan does not meet the requirements to achieve the stated level of income or growth and the saver only receives back their original capital, its value may have been eroded by inflation.

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