Incapital Europe/Morgan Stanley IQ – Morgan Stanley Accumulator Deposit Plan

Type: Structured deposit

Aim: Growth linked to the performance of the FTSE 100 index

Minimum-maximum investment: £3,000-no maximum, Isa £5,340

Term: Six years

Return: 6% growth locked in for each year that the index is at or above its initial value, with a memory feature to catch up any missed returns if the index recovers in subsequent years

Protection: Original capital returned in full at the end of the term regardless of the performance of the FTSE 100 index

Closing date: March 30, 2012, March 23, 2012 for Isa transfers

Commission: Initial 3%

Tel:020 7605 4000