Product review: Investec provides ratings choice

Investors can choose whether this product is issued by Investec Bank, (offering a potential annual income of 6.5%) or Lloyds TSB (offering a potential income of 5%). If on the first anniversary the FTSE 100 is above its initial level, investors will receives a payment of either 6.5% or 5% depending on which issuer is chosen. If the index is not above its initial level on the first anniversary but it is on the second, investors would receive no payment after the first year and a payment of either

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