A choice of credit ratings

Product description

The investor can choose whether the product is issued by Investec Bank plc, offeringa potential annual income of 6.5%, or by Lloyds TSB Bank plc, when it would offer 5%. The level of the FTSE 100 on any one of the five observation days is calculated as the average of the closing level of the index over the last five days. If on the first anniversary the index is above its initial level, the investor receives a payment of either 6.5% or 5% depending on which issuer is chosen

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