Lowes Exclusive

Lowes Exclusive Quarterly FTSE 100 Autocall Investment Summary 8% per annum Capital at Risk

• Capital at risk barrier observation date: 8th May 2029 (only if not matured sooner). • Minimum investment £10,000. • Counterparty: BNP Paribas, one of the largest banks in the world: ‘A+’ (Strong) rated by major credit rating agencies. • Investment method: ISA / ISA transfer, Individual, Joint, SIPP, Trust, Corporate, Partnership. • Individual / Joint gains taxable only if annual gains from all sources exceed annual exemption*. • Can be surrendered frommonth one (but penalties and loss will result).

• Underlying Index: FTSE 100 Index. • Investment start date: 6th May 2022.

• First possible maturity on 2nd anniversary and every three months thereafter (21 opportunities). • Early maturity triggered by the FTSE 100 index being at, or above the Initial Index Level. • 16% gain (8% per year) payable if maturity triggered on 2nd anniversary. • 2% more (not compounded) for each further quarter year i.e., maturity at four and half years pays 36%. • 7-year maximum term. • Capital at risk barrier: 65% of the Initial Index Level.

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If the FTSE 100 Index is equal or higher on any quarterly observation date from the second anniversary onwards the investment matures, returning original capital plus a gain of 2% for each quarter year it has been in force (8% for each year). If the investment does not mature early because on the FTSE 100 Index was below the Initial Index Level on every observation date and is still lower at the end of seven years no gain will arise. In these circumstances, original capital only will be returned unless the FTSE 100 Index is more than 35% below the Initial Index Level in which case a loss will arise in line with the fall in the index over the seven years. Returns subject to the continued solvency of the counterparty bank. Please refer to the investment literature for full terms and conditions.

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Quarterly FTSE 100 Autocall

9000

Gain payable if maturity triggered

8000

+16%

18%

20%

22%

24%

26%

28%

30%

32%

34%

36%

38%

40%

42%

44%

46%

48%

50%

52%

54%

56%

FTSE 100 Initial Index Level indicated as 7,200 but will be closing level on 6 May 2022.

7000

If FTSE 100 closes at, or above the Initial Index Level on any quarterly observation date from the second anniversary onwards, the plan matures returning original capital plus 2% for each quarter

6000

Capital at risk

5000

If the investment does not mature early and at the end of seven years the FTSE 100 is more than 35% below the Initial Index Level loss will be in line with fall and as such, at least 35%.

We believe this investment will meet expectations very well and is perfectly suited for the current climate. It rewards for time in the market with a potential gain of 8% for each year held. Returns subject to solvency of counterparty bank - one of the largest in the world.

4000

3000

06/05/2022

06/08/2022

06/ 11 /2022

06/02/2023

06/05/2023

06/08/2023

06/ 11 /2023

06/02/2024

07/05/2024

06/08/2024

06/ 11 /2024

06/02/2025

06/05/2025

06/08/2025

06/ 11 /2025

06/02/2026

06/05/2026

06/08/2026

06/ 11 /2026

08/02/2027

06/05/2027

06/08/2027

08/ 1 1 /2027

07/02/2028

08/05/2028

07/08/2028

06/ 11 /2028

06/02/2029

08/05/2029

How to request literature If you would like full details of this investment, please click the button below and fill in the form or call 0191 281 8811.

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Always happy to help others We are regularly asked if we can assist with this type of investment alongside general holistic financial planning for friends and family of our clients. We are always on hand to help and to this end should you know a friend, or relative who might benefit from Lowes expertise in structured investments or any other aspect of our service, please do not hesitate to put them in touch. They can request details of this investment or arrange a no-obligation consultation by *Tax treatment and allowances are of course subject to change. Lowes Financial Management, FernwoodHouse, Clayton Road, Jesmond, Newcastle upon Tyne, NE2 1TL. Authorised and regulated by the Financial Conduct Authority.