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Dunbar Bank – Zurich Guaranteed Capital Account Issue 5

Type: Capital protected bond

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

Minimum-maximum investment: £2,500-£250,000

Term: Five years and six months

Guarantee: Original capital returned in full regardless of performance
in the index

Return: Up to 100% growth at end of the term or 30% growth at end of
three years if index grows by 30% or more by the third anniversary

Closing date: December 15, 2003

Commission: Initial 3%

Tel: 0500 546546


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