Structured Products Annual Performance Review 2019

Analysis and Annualised Performance 2018

All Plans

Lowes 'Preferred' Plans

By Product Type

Capital at Risk Capital 'Protected' Structured Deposits

Capital at Risk Capital 'Protected' Structured Deposits

82 69

Number of Products Returning Capital Only Number of Products which Lost Capital Number of Product Maturities Number of Products Producing Positive Returns

93 93

1 1 0 0

13 13

266 264

33 25

2

8 0

13

0 0

0 0

0

0

2.97

6.17

5.47

Average Duration / Term (Years) Average Annualised Returns All Products

3.07

5.92

5.60

7.55% 9.66% 5.61%

3.30% 5.64%

3.62% 5.62% 0.79%

8.33% 10.28% 6.44%

6.10%

4.81% 6.23% 3.04%

- -

Upper Quartile Lower Quartile

0%

Lowes 'Preferred' Plans

All Plans

Number of Product Maturities Number of Products Producing Positive Returns Number of Products Returning Capital Only FTSE 100 Index only Number of Products which Lost Capital

Capital at Risk Capital 'Protected' Structured Deposits

Capital at Risk Capital 'Protected' Structured Deposits

54 54

76 76

1 1 0 0

13 13

190 190

15 15

0 0

0 0

0 0

0 0

0 0

3.01

6.38

5.38

3.28

5.92

5.60

Average Duration / Term (Years) Average Annualised Returns All Products Upper Quartile

7.44% 9.50% 5.71%

4.62% 5.89% 3.39%

4.52% 5.69% 3.39%

8.12% 10.01% 6.29%

6.10%

4.81% 6.23% 3.04%

- -

Lower Quartile

Lowes 'Preferred' Plans

All Plans

Number of Product Maturities Number of Products Producing Positive Returns Number of Products Returning Capital Only Non-FTSE 100 Index only Number of Products which Lost Capital

Capital at Risk Capital 'Protected' Structured Deposits

Capital at Risk Capital 'Protected' Structured Deposits

28 15 13

17 17

0

0

76 74

18 10

- - - - - - -

- - - - - - -

2 0

8 0

0 0

0

2.85

5.99

5.64

2.12

Average Duration / Term (Years) Average Annualised Returns All Products Upper Quartile

7.80% 10.02% 5.45%

2.20% 4.91%

1.88% 4.92%

9.29% 11.07% 7.97%

0%

0%

Lower Quartile