If you keep your investment in the Plan until the Plan Maturity Date your capital is guaranteed* and you will receive a gross growth payment on your Initial Investment.

This is determined as follows:

1. The Investment Term is divided into 10 semi annual periods. At the end of each semi annual period the percentage gain or fall in the Index is calculated.
   
   
2. The maximum gain or fall in the Index in any semi annual period is limited to 5.00%.
   
   
3. At the end of the Investment Term, the semi annual period gains in the level of the Index are added and the semi annual period falls in the level of the Index are subtracted (subject to a maximum gain or fall in any semi annual period of 5.00%). This gives the overall percentage return.

• If the overall percentage return is equal to or greater than 7.25% then that overall percentage return is the rate of growth paid on your Initial Investment. (This is capped at 50%).
  
  
• If the overall percentage return is less than 7.25%, the rate of growth paid on your Initial Investment is 7.25%.
  

* The Guarantee is the obligation of Credit Suisse International to repay the capital invested in the deposit in full at maturity. Should Credit Suisse International default there is no guarantee provided by any third party. Credit Suisse International is a participant of the Financial Services Compensation Scheme which provides limited protection to deposit holders. Details of the scheme are set out in the Terms & Conditions.