Gilliat Financial Solutions – Dual Defensive Kick Out – February 2012

Type: Capital-protected bond

Aim: Growth linked to the performance of the FTSE 100 and S&P 500 indices

Minimum-maximum investment: £3,000- no maximum, Isa £10,680

Term: Six years and three weeks

Return: Option one – 11.3% growth plus original capital at the end of year one provided both indices are at or above 95% of their initial values, 22.6% growth plus capital at the end of year two, 33.9% growth plus capital at the end of year three, 45.2% growth plus capital at the end of year four , 56.5% growth plus capital at the end of year five, or 67.8% growth plus capital at the end of the term, option two – 9.425% growth plus capital at the end of year one provided both indices are at least 90% of their initial values, 18.85% growth plus capital at the end of year two, 28.275% growth plus capital at the end of year three, 37.7% growth plus capital at the end of year four, 47.125% growth plus capital at the end of year five or 56.55% growth plus capital at the end of the term

Protection: Original capital returned in full at the end of the term provided both indices do not fall by more than 50% without returning to at least their initial values

Closing date: January 23, 2012

Commission: Initial 3%

Tel: 020 7012 2809