10: 10 Plan December 2021 Brochure

Risks

There are risks associated with investing in this Plan. Please ensure you read and understand this section fully. If you are unsure about any of the risks, please consult your financial adviser. Counterparty Risk There is a risk that the Counterparty could go into administration, become bankrupt or collapse. This would mean that it could fail to make the payments due in relation to the product. In the event of this happening an investor could lose some or all of their investment as well as any payment to which they may otherwise have been entitled. The financial strength and credit ratings of the Counterparty may change at any time. Credit ratings are, therefore, not an absolute measure of a Counterparty’s financial strength and may be more useful as an indication of their positioning relative to their peers. not be paid by the Financial Services Compensation Scheme (FSCS) or Mariana. You will only be eligible to submit a claim to the FSCS if James Brearley & Sons fails to meet its liability to you prior to the purchasing of the investment or awaiting repayment following Maturity. In the case of insolvency of the Counterparty, compensation will

Investment Risk This Plan is a Capital at Risk product meaning you could lose some or all of your investment. This investment should only be considered as part of an overall investment portfolio. Past performance is not an indication of future performance and should not be used to assess the future returns or the risk associated with your investment. This Plan is designed to offer a potential pre-defined return based on the performance of the Asset(s). It is not a direct investment and therefore does not replicate the potential returns that a direct investment might produce. You will therefore not benefit from any dividends or additional growth in the Underlying Asset(s) that may exceed the Potential Return offered by this Plan. When the product matures you might not be able to reinvest the proceeds to achieve the same, or similar, level of potential investment return. Should the product be oversubscribed, your purchase might not be completed. The Start Level of the Underlying Asset(s) applies on the Start Date of the product and not the date on which you apply to invest. The level may vary

significantly between these dates. The value of your investment will initially be affected by any fees or costs that were built into it. Subsequently, factors such as, but not limited to, movements in interest rates, the performance of the Underlying Asset(s), and the creditworthiness of the Counterparty will all affect the price of a security. The value of your investment is likely to vary significantly throughout its life. Early encashment of the Plan will take time to realise and if you decide to sell your investment during the term you will be subject to a fee and are likely to receive less than you originally invested. For details, please refer to “Can I cash in my Plan before it matures?” which can be found in the Questions section of this Brochure.

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