Structured Products Annual Performance Review 2022

Lowes ‘Preferred’ Maturity Performance

The following shows the performance of the FTSE 100 structured products most commonly held by Lowes clients that matured during the year together with the performance of the index over the same investment term. The table includes five investments that were exclusively available to Lowes clients which have not been taken into account elsewhere in this review and comparative analysis.

Provider

Maturity Date 14 January 2021 28 January 2021 08 March 2021 10 March 2021 11 March 2021 17 March 2021 23 March 2021 23 March 2021 19 April 2021 22 April 2021 10 May 2021 19 May 2021 24 May 2021 03 June 2021 07 June 2021 07 June 2021 07 June 2021 29 July 2021 28 June 2021 17 June 2021 28 June 2021 19 July 2021 29 July 2021 02 August 2021 04 August 2021 16 August 2021 18 August 2021 23 August 2021 23 August 2021 06 September 2021 22 September 2021 04 October 2021 18 October 2021 18 October 2021 26 October 2021 26 October 2021 27 October 2021 04 November 2021 08 November 2021 16 November 2021 17 November 2021 21 December 2021 21 December 2021

Term (Years)

FTSE 100 Change

Plan Gain

Morgan Stanley

6 2 3 4 2 4 3 3 3

6.47% -3.27% -6.72% -8.41% -5.52% -8.92% -3.22% -3.22% -4.34% -1.48% -4.16% -6.97% 1.42% 0.03% -5.93% -5.93% -3.47% -7.91% -6.17% -2.77% -6.17% -5.24% -7.91% -4.39% -5.16% -5.33% 2.70% 2.70% -1.31% -3.12% -2.02% 0.74% 0.74% 4.87% 4.87% -3.35% -1.22% -0.80% 4.46% -1.21% 8.57% 8.57% 2.11%

30%*

Investec Investec Meteor Investec

16%

22.5%

25%

17%

Focus

25%

Augere

19.5% 19.8%

Walker Crips

Investec Investec

24% 20% 23% 28% 18% 20% 31% 26% 16% 14% 23% 14% 23% 29% 14% 26% 23% 30% 26% 30% 16% 26% 16% 17%

2.5 3.5

Walker Crips

Mariana

4

Walker Crips

2.5 2.5

Investec Investec Investec Investec Investec Investec Investec Investec Investec

4 4 2 2 3 2 3 4 2 2 4 3 4 4 4 2 4 2 2 2 3 3 4 2 2 3 4 3 3

Walker Crips

Walker Crips Walker Crips

Investec Mariana Investec Investec

Walker Crips Walker Crips Walker Crips

Societe Generale Societe Generale Societe Generale Societe Generale

20.5% 15.8% 31.8% 25.5%

Walker Crips

26%

Investec

14.6%

Walker Crips

16%

Mariana Mariana

24.51%

28%

Societe Generale Societe Generale

35.4% 27.45%

* Deposit based plan interest payment – all other returns shown in the table are capital gains

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