To gain a full understanding of this Plan it is important that you read the brochure carefully, including the Terms and Conditions. If you are unsure about anything, please seek financial advice to ensure the Plan suits your requirements and overall investment planning. Remember, the information in this brochure does not constitute tax, legal or investment advice and Moneyworld has given you no advice.  Please read our terms of business before proceeding.

Summary

The Legal & General Growth Plan is a five year Plan that provides the possibility of growth on your money. Whether or not you receive any growth is dependent on the level of the FTSE 100 Index. This growth is in the form of a specified bonus and does not reflect the actual growth of the FTSE 100 Index. Your money is not guaranteed to grow and there is a chance that you may lose some or all of your money. Please read 'Could I lose my money?' on page 5 of the brochure.

This Plan offers a bonus of 60% on your initial investment as long as the final level of the FTSE 100 Index, at the end of the five years, is equal to or higher than its starting index level. Full details of how the Plan works can be found on page 8 of the brochure. For further details on the FTSE 100 Index, please see 'What is the FTSE 100 Index?' on page 6 of the brochure.

The following table, based on a £10,000 investment, shows what you might get back at the end of the five years.

You will get back less than you originally invested at the end of the five years if the final FTSE 100 Index level, taken on the end date, has fallen by 50% or more of the starting index level.

These figures are examples only and changes in the index level have been chosen to show what you could get back from the Plan. What you will get back depends on the performance of the index.
 

Percentage change in final FTSE® 100 Index level	Bonus payment	The amount of your original investment returned to you	Total amount you get back at the end of 5 years
+ 1% or more	£6,000	£10,000	£16,000
0%	£6,000	£10,000	£16,000
-1% to -49%	£0	£10,000	£10,000
-50%	£0	£5,000	£5,000
-70%	£0	£3,000	£3,000
-100%	£0	£0	£0

The above table only applies if you hold your investment for the full five years. You could get back less than these example returns. If you sell your investment before the end of the five year term, you could get back substantially less than you originally invested.

Considerations for Investing

If the following statements apply then an investment in the plan may be appropriate:

• you're happy to hold your investment until the end of the five year term; and

• you're looking for the potential to receive a fixed specified bonus at the end of five years. The performance of the FTSE 100 Index is only used to determine whether the bonus is paid; and

• you're prepared to accept the risk that you could lose some or all of your money; and

• you're aware that the FTSE 100 Index may perform better than the return you will receive under this Plan; and

• you understand that you will be invested in securities issued by Abbey National Treasury Services plc only; and

• you are using the Plan as part of a diversified portfolio; and

• you want to avoid currency risk; and

• you've some money set aside for emergencies; and

• you've a minimum of £3,000 to invest.

If the following statements apply then an investment in this plan may not be appropriate:

• you're not prepared to put your capital at risk with the potential to lose some or all of your money; or

• you're looking for an investment that does not limit the growth you'll receive; or

• you do not want an investment dependent on the performance of the FTSE 100 Index; or

• you require an income; or

• you're not sure how the investment works and have not understood the content of this brochure; or

• you can't remain invested for the full five year investment term and may need immediate access to your money; or

• you want to add to your investment on a regular basis; or

• you're worried that if the performance of your investment does not meet or exceed the rate of inflation the real value of your investment will reduce; or

• you've no money set aside for emergencies.