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Scottish Mutual – Choice Income Bond

Type: Capital-protected bond

Aim: Income or growth linked to the performance of the FTSE 100
index

Minimum-maximum investment: £10,000-£250,000

Term: Five years:

Guarantee: Original capital returned in full provided index does not
fall by more than 40% and returns to its starting value

Return: 0.4% monthly income, 5% annual income or 26% growth at
end of term

Closing date: December 9, 2003

Commission: Initial 3%

Tel: 0845 600 1383

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