Potential Investment Return:  9.5% return on investment for each year the Plan runs (paid gross), only payable if the Plan Kicks-Out.

Kick-Out Level:  100% of the Opening Level on the Start Date.

Kick-Out Barrier:  The Plan will Kick-Out if the respective Closing Level of each Underlying Asset, on any Observation Date, is at or above 100% of its respective Opening Level. In this event an investor will receive their Initial Capital back, plus a Potential Investment Return of 9.5% for each year that the Plan has been in existence. The first Observation Date on which an early maturity could be triggered will be 7th November 2022, one year after the Start Date.

Capital Protection Barrier:  65% of the Opening Level (observed on the Final Observation Date of the Plan only). If on the Final Observation Date the Closing Level of the worst performing Underlying Asset is less than 65% of its Opening Level (representing a decline of more than 35% from the Opening Level), your Initial Capital will be lost at a rate of 1% for every 1% that the Final Level of the Underlying Asset is below its Opening Level.

This plan is only available on an ‘Advised’ basis.

Potential Investment Return:  5.75% return on investment for each year the Plan runs (paid gross), only payable if the Plan Kicks-Out.

Kick-Out Level:  13 November 2023: 105%, 12 November 2024: 100%, 12 November 2025: 100%, 12 November 2026: 95%, 12 November 2027: 90%, 13 November 2028: 85%

Kick-Out Barrier:  The Plan will Kick-Out if the respective Closing Level of the Underlying Asset, on any Observation Date from end of Year 2, is at or above the Kick Out Level. In this event an investor will receive their Initial Capital back, plus a Potential Investment Return of 5.75% for each year that the Plan has been in existence. The first Observation Date on which an early maturity could be triggered will be 13 November 2023 two years after the Start Date.

Capital Protection Barrier:  65% of the Opening Level (observed on the Final Observation Date of the Plan only). If on the Final Observation Date the Closing Level of the Underlying Asset is less than 65% of its Opening Level (representing a decline of more than 35% from the Opening Level), your Initial Capital will be lost at a rate of 1% for every 1% that the Final Level of the Underlying Asset is below its Opening Level.

Potential Investment Return:  7.7% return on investment for each year the Plan runs (paid gross), only payable if the Plan Kicks-Out.

Kick-Out Level:  100% of the Opening Level on the Start Date.

Kick-Out Barrier:  The Plan will Kick-Out if the respective Closing Level of the Underlying Asset, on any Observation Date, is at or above 100% of its respective Opening Level. In this event an investor will receive their Initial Capital back, plus a Potential Investment Return of 7.7% for each year that the Plan has been in existence. The first Observation Date on which an early maturity could be triggered
will be 19th November 2024, three years after the Start Date.

Capital Protection Barrier:  65% of the Opening Level (observed on the Final Observation Date of the Plan only). If on the Final Observation Date the Closing Level of the Underlying Asset is less than 65% of its Opening Level (representing a decline of more than 35% from the Opening Level), your Initial Capital will be lost at a rate of 1% for every 1% that the Final Level of the Underlying Asset is below its Opening Level.