Key Features

  • Potential income payments linked to the performance of the FTSE 100 (‘the Index’).
  • An income payment will be made after the end of an Observation Period if the Index has beengreater than or equal to 4,250 and less than or equal to 7,000 at the close of each business day during that particular period.
  • If the Level of the Index has closed below 4,250 or above 7,000 on any business day during an Observation Period, no income payment will be made for that particular period.
  • 100% capital return at maturity regardless of the performance of the Index, subject to counterparty risk.
  • Direct investments and cash ISAs invested in the Plan are placed on deposit with The Royal Bank of Scotland plc ('RBS'), and it is our understanding that if RBS were unable to pay the amounts due, an investor may have recourse to the Financial Services Compensation Scheme ('FSCS').
  • Available to 14th March 2012.

Target Market

This investment could be suitable as part of an investment portfolio for investors who

  • understand that income returns are based on the performance of an Index and are not fixed;
  • are able to invest for a period of up to six years, and
  • are looking for a capital protected investment but with a higher potential income payment than would be available via a standard deposit based account.

Key Dates

Offer period

2nd March 2012- ISA transfer applications

9th March 2012 -applications with cheques

14th March 2012 -applications with bank transfers

Strike Date

16th March 2012

Opening Level

Close of Business on 16th March 2012

Final Level

Close of Business on 16th March 2018

Observation Periods

Please see page 2 of the brochure.

Maturity date

3rd April 2018

You should refer to the brochure which contains full details of the FTSE® Income Deposit Plan 6.

Telephone enquiries to:0207 904 1010or email to

Key facts

Investment Term: / Six years and three weeks.
Availability: / As direct investments, cash ISAs, cash ISA Transfers, and for pension funds, companies and charities.
Index / FTSE 100 Index
Investment Return / Potential 1.4% gross income payment per quarter or 7.25% gross income payment per annum. If the Level of the Index closes below 4,250 or above 7,000 on any business day during an Observation Period, no income payment will be made for that particular period.
Capital Return / Capital will be returned in full at maturity regardless of the performance of the Index, subject to counterparty risk.
Counterparty Risk / The Deposit Taker will be The Royal Bank of Scotland plc (‘RBS’), which has a current long term credit rating of ‘A‘ by Standard and Poor’s as at 2nd February 2012. If RBS were to fail to meet the repayments due to us, investors could lose some or all of their investment. The credit rating is subject to change during the offer period and the term of the investment. Counterparty risk is common to all similar investments. All references to the credit rating are correct as at the date of the brochure.
Tax / Under current tax legislation interest from assets held in an ISA will be free from any tax, while interest from direct investments will be subject to Income Tax.
Charges / There are no initial or ongoing charges. Charges are included in the pricing of the investment. The total charges over the full six year term will be up to a maximum of 7%. Early encashments and transfers during the investment term will be subject to administration charges.
Interest / Interest will be credited on subscriptions received and held in our client account up to the investment date, subject to a minimum interest addition of £10.00.
Commission / 3%
Securities / The Deposits will be structured to provide the returns shown in the plan brochure, and purchased for each investor.

Full details of the investment are set out in the FTSE® Income Deposit Plan 6brochure, which incorporates the Terms and Conditions. All potential investors should read the literature carefully and make sure they understand how the Plan works.

This information is for financial advisers only and should not be presented to, or relied upon by, private investors.