Deposit Plan. Legal & General (Portfolio Management Services) Limited. Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features

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1 Deposit Plan Legal & General (Portfolio Management Services ) Limited Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features Wealth management made easier by Legal & General Legal & General (Portfolio Management Services) Limited Registered in England No: Registered office: One Coleman Street, London, EC2R 5AA P9941v10 print date: 04/09 approval number: H97400 expiry date: 02/12/09

2 Contents Page Why choose the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 3 How does the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 work? 3 How is my return calculated? 3 Key Features of the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 4 General information on the Legal & General Guaranteed Capital Bond series 4 Further information 6 Contact details 7 Important dates Offer available: 15 June to 8 August 2009 Start date: 12 August 2009 End of fixed term: 12 August 2015 Deposit Application Deadline: 8 August 2009 Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 2 of 7

3 Why choose the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 The Legal & General Capital Guaranteed Multi-Index Equity Bond 10 is a deposit plan that has a fixed term of six years. As a deposit account, it guarantees the return of your original investment at the end of the six year term. It also offers a stock market linked return at the end of the term based on the performance of three major world stock markets. How does the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 work? At the end of six years, this plan is designed to give you a return of 100% of any capital growth in the three indices listed. The maximum overall growth you can get back from this product is 50% of your original investment. The growth of the indices will be averaged and this is explained, including how the maximum overall growth is applied, in How is my return calculated?. You are also guaranteed to receive your original investment back, if it is held for the full term. Depending on the performance of the three selected stock market indices at the end of the six year term, you may only receive back your original investment. You cannot access your money or cash in your plan, until the end of your six year term. What three indices is my investment linked to? The Legal & General Capital Guaranteed Multi-Index Equity Bond 10 is linked to the performance of the FTSE 100, DJ Euro STOXX 50 and S&P 500 indices. The FTSE 100 Index This is an Index of the UK s largest 100 companies listed on the London Stock Exchange currently including household names such as BP, Vodafone and Unilever. The DJ Euro STOXX 50 Index The DJ Euro STOXX 50 Index is made up of 50 major companies drawn from the 12 Eurozone exchanges. (These exchanges are linked by having the Euro as a common currency). It currently features such names as Renault, L Oreal and Nokia. S&P 500 Index Is made up of 500 of the largest companies by size (share price times number of shares in issue) in the US. Some of the more familiar current names include Coca-Cola Co. Microsoft Corp, Apple Inc and Walt Disney Co. How is my return calculated? 1. Your investment starts on 12 August 2009; this is the plan start date. On this date we will record the level of each index at the close of business. This is known as the start level. 2. In the final year of your plan, we will record the level of each index at the close of business on every business day between 12 August 2014 to 12 August 2015 (inclusive), and work out the average. This is the final year level. 3. We then work out the percentage change between the start level and the final year level, for each of the three indices individually. 4. We then add the three percentage change figures together and divide by three. This gives us the Average Index Growth. 5. If the Average Index Growth figure is lower than the start level, you ll receive your original investment back. If it s higher, you ll receive a stock market linked return. This will be 100% of the Average Index Growth with a maximum growth of 50% of your original investment. This figure is then added to your original investment to give you your final amount. Your original investment amount will include any pre-investment interest you have earned and will be included in calculating your returns. The table below shows what would happen to a 10,000 investment based on various growth levels of the indices. These figures do not take into account any pre-investment interest. The return shown is only an example and gives no guarantee of the indices return. FTSE 100 Index performance 20% 20% 85% DJ Euro STOXX 50 Index performance S&P 500 Index performance Total percentage change Average Index Growth Growth received at end of six year term Amount received at end of six year term Example % 30% 65% -30% 40% 75% -15% 90% 225% -5% 30% 75% 0% 30% 50% 10,000 12,400 14,000 Example 1 shows no growth received, original investment returned Example 2 shows 100% of the Average Index Growth Example 3 shows 50% maximum growth The amounts received in the above table are shown after the deduction of income tax at the basic rate. A note about United Kingdom income tax: higher rate tax payers will have further tax to pay on growth payments, and if you are in receipt of age allowance, the interest could impact on your entitlement. If you pay tax at less than the basic rate, you may be able to reclaim some or all of the tax deducted from HM Revenue & Customs. All information is based on our understanding of current taxation in the United Kingdom, which may be subject to statutory change. Please remember Once you have made your investment, you can make additional investments up to the end of the offer period. The plan is a fixed term investment so you cannot access your money or cash in your plan, until the end of the six year term. How is my money guaranteed? We do not hold your money but will place it with Cater Allen Limited, as the deposit taker. They are a member of the Abbey group of companies. This money is treated in the same way as any bank or building society deposit account. We cannot hold your money as a deposit as we are not a bank or building society. However, we will be your plan manager and your point of contact. If the deposit taker is unable to meet its obligations, you may not receive all of your investment back. We are not obliged to pay you if the deposit taker were to fail. Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 3 of 7

4 Key Features of the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 This is important information that should be read with the Terms and Conditions and retained for future reference. The Legal & General Capital Guaranteed Multi-Index Equity Bond 10 Plan offers a return of 100% of the average of any capital growth in the FTSE 100 Index, DJ Euro STOXX 50 Index and S&P 500 Index at the end of the six year term, subject to the maximum 50% overall growth of your original investment. Plus your original investment is guaranteed to be returned. You will earn pre-investment interest at a fixed rate equivalent to 0.75% gross/aer from the date your payment is treated as cleared until the end of the offer period on 8 August This interest will be included in your total investment amount. The gross rate of interest is the rate payable before the deduction of tax. AER stands for Annual Equivalent Rate. It shows what the interest rate would be if it was paid once each year. This lets you compare interest rates across different accounts and what return you can expect from your savings over time. Every advertisement for a savings product which quotes an interest rate will contain an AER. Is the Legal & General Capital Guaranteed Multi-Index Equity Bond 10 right for you? This plan may be suitable if you are looking for: your money to be invested for a fixed term of six years your capital to be guaranteed at the end of the fixed term a potential for a return linked to three major world markets a deposit based plan (and you have other money set aside for short term needs/emergencies) This plan may not be suitable if you are looking for: access to your money during the fixed term direct investment in the stock markets an investment that doesn t limit the growth you ll receive a way to set aside money for emergencies. Important things for you to know before investing Your money will not be invested directly in the companies that make up the FTSE 100 Index, DJ Euro STOXX 50 Index and S&P 500 Index. As a result, you will not be eligible to receive any dividend income or have the opportunity for reinvestment of the dividends from the companies that form these indices. As with other deposit products, there are no specific charges on the plan. Averaging is used over the final 12 months of the investment. This may restrict any potential return if the FTSE 100 Index, DJ Euro STOXX 50 Index or S&P 500 Index rise over the averaging period. The maximum growth you could potentially receive is 50%, therefore, you may not benefit from significant rises in the indices. Your money will not be invested with Legal & General. It will be passed to Nationwide Building Society, an authorised deposit taker. General information on the Legal & General Guaranteed Capital Bond series Your questions answered Why choose Legal & General? The Legal & General Group, established in 1836, is one of the UK s leading financial services companies. Over 6.5 million people rely on us for life assurance, pensions, investments and general insurance plans. The Legal & General Group is responsible for investing 280 billion worldwide (as at 31 December 2008) on behalf of investors, policyholders and shareholders. What return will I receive? The Legal & General Guaranteed Capital Bond offers a series of fixed term deposit plans. The specific details of this current issue can be found at the beginning of this brochure. At the end of the fixed term, you are guaranteed to receive at least 100% of your original deposit, together with the stated return. Who can invest in the Legal & General Guaranteed Capital Bond? you must be aged 18 years or over to apply this plan is not available to US residents. How much can I invest? you can invest a lump sum of 3,000 or more; there is no maximum amount. How to apply To invest in this plan, please complete the application form provided, or you can also apply with Maestro or Visa Delta card by telephone. To help with your own administration, you can choose a reference (called a designation ) to help identify your investments. This may be useful if you want to hold the plan for a specific purpose. Whatever the reason, you ll remain the owner of any referenced account. All applications must be received by us before the date on the top of the application form. How is my money invested? If the pre-investment interest rate is above 0% you will earn interest from the date your payment is treated as cleared to the end of the offer period of this specific issue, as stated at the beginning of this brochure. Any interest will be paid net of UK income tax at the basic rate (currently 20%) and we will include it with your original investment. Following receipt of your application, payments by debit card will be treated as cleared after four business days and by cheque after one business day. On the start date of the Guaranteed Capital Bond issue, Legal & General will place your money on deposit with the deposit taker, who provides the terms stated at the beginning of this brochure. How is the deposit linked to the FTSE 100, DJ Euro STOXX 50 and S&P 500 indices? Investments will be purchased from financial institutions which provide you with the link to the indices. Although the investment does not invest directly into the companies in the indices, any growth you receive will be determined by the return of the actual indices. You will not receive any dividends from the companies that form the indices. Risk factors Unless the performance of your plan meets or exceeds the rate of inflation, the real value of your investment will reduce. You will not have access to your money until the end of the fixed term of six years. If the deposit taker is unable to meet its obligations, you may not receive all your investment back. Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 4 of 7

5 What is the relationship between Legal & General and the deposit taker? Legal & General (Portfolio Management Services) Limited is the plan manager for the Guaranteed Capital Bond plan. We do not hold your money but will deposit it with Nationwide Building Society, who is the deposit taker. What is the guarantee? The Guaranteed Capital Bond is a deposit plan and is treated in the same way as any bank or building society deposit account. Please note that your money is not invested with Legal & General, and we are not obliged to pay you if the deposit taker were to fail. If this happens, your money may be protected, up to a maximum limit, through the Financial Services Compensation Scheme. See the Compensation section on page 6 for details. Can I make additional investments? During the offer period you can make as many investments as you wish. The dates for this current issue are provided at the beginning of this brochure. Once the offer period has closed, you can t make any more additional investments. What happens if I need to get my money out before the end of the fixed term? No withdrawals are allowed at any time before the end of the fixed term. What happens to my investments if I die? For plans held in joint names, the plan will continue in the name of the survivor. For plans held in one name, when we receive proof of death and all other documentation needed to make a payment we will either: a) repay the current value and any applicable interest, to your personal representatives; or b) transfer the investment to a named beneficiary(ies), to continue the investment until the end of the fixed term. If this option is chosen, your beneficiary(ies) will receive and must agree to the relevant Terms and Conditions. Please remember that your capital is only guaranteed if held to the end of the fixed term. Therefore, if you die before the end of the term, and the holding is not retained until that date, your personal representatives may get back less than the original investment, dependent on the current value as provided by the deposit taker. What happens at the end of the fixed term? At the end of the fixed term the deposit taker will pay Legal & General the original investment plus any applicable returns, within two working days. Around the end of the fixed term, we will write to you outlining the options available to you. Once we have received your instructions, we will endeavour to fulfil your request within five working days from the end of the fixed term or from receipt of your instructions, if later. We will hold the proceeds of your deposit plan in an interest-bearing client account for a reasonable period until we receive your instructions. All interest earned will belong to you. The interest will be paid net of UK income tax at the basic rate (currently 20%). If we do not hear from you within a reasonable time, we will return the proceeds of your deposit plan to your nominated bank or building society account. What about UK tax? The following tax assumptions are based on our understanding of current taxation in the UK and are subject to change. The value of tax advantages will depend on your individual circumstances and where your money is invested. If you need tax or legal advice, please contact a tax or legal specialist. Any income and/or growth will be treated as interest. Any interest paid will be paid net of UK income tax at the basic rate (currently 20%) as required by law. This satisfies the income tax liability for a basic rate taxpayer. Higher rate taxpayers will have further tax to pay. If you are in receipt of age allowance, the interest could impact on your entitlement. If you are a non-tax payer or your taxable income is below the starting rate for savings income, currently 2,320, you may be able to reclaim some or all of the tax deducted from HM Revenue & Customs using the tax voucher that will be provided. Details about reclaiming tax are available from your tax office or on HM Revenue & Customs website. Any interest payments from the investment will not be subject to capital gains tax. Investors residing abroad Depending on your residency status, you may be liable to pay tax in a country outside the UK. If so, you may be liable to tax on any income or capital gains. If you need advice, you should consult a suitable tax adviser or the tax authorities in the country concerned. What documentation will I receive? Within six days of our receipt of your application we will send you a welcome letter and a notice giving you the right to cancel the plan. On the start date of the issue, an opening statement will be sent to you giving you details of your plan. How can I keep track of my plan? Every twelve months we will send you a statement and a confirmation of your holding. What is my customer category? We are required by our regulator (the Financial Services Authority) to categorise our customers to determine the level of investor protection they receive. If you buy products from this brochure you will be treated as a retail client, unless we agree otherwise. You can choose to be categorised as a professional client or an eligible counterparty, but this means you receive less information about our products and services. Also, you would not be entitled to receive a suitability report or appropriateness assessment where these would be required for retail clients. If you are a professional client or eligible counterparty you can ask to be categorised as a retail client, although this does not necessarily mean you can refer any complaints to the Financial Ombudsman Service. How will charges and expenses affect my plan? There are no charges for you to pay out of your investment. The cost of providing the stated returns for this plan are taken into account in calculating those returns and the amount of FTSE 100, DJ Euro STOXX 50 and S&P 500 indices growth you could receive. How much will you pay to Nationwide? We will pay commission to Nationwide Building Society for selling Legal & General products. The amount depends on the size of any investment you make. These commission payments are already taken into account in calculating the returns stated at the beginning of this brochure. For any investment we pay up to 7.00% of the value of the investment. For example, on an investment of 1,000 we pay Nationwide up to If you received advice from Nationwide when you took out your investment, Nationwide may use part of the commission to pay your adviser. How do you support advisers? We provide intermediary firms and advisers with additional benefits which are designed to enhance the quality of their service to you. These benefits may include some or all of the following: training, software, seminars and marketing materials. Further details of any benefits received from us are available on request from your intermediary firm/adviser. Where can I get help? Your financial adviser or local Nationwide branch will be pleased to answer any questions you may have. Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 5 of 7

6 Further information Suitability It is important that you only invest in this product if it meets your needs. It will only be suitable if you are prepared to invest your money, with no access, for a fixed period of time. You should have separate money set aside for emergencies. You must ensure that you have carefully considered the tax position that applies to investments of this type before investing. Please refer to the beginning of this brochure for further details on the current issue. Where can I get advice on whether an investment is suitable for me? If you have any doubts about whether an investment is suitable for you, please contact your financial adviser. Your right to cancel You will receive notice of your right to cancel your plan, as required by law, and you will then have 14 days in which you can change your mind. You can cancel your plan by simply returning your completed cancellation notice form and you will have your investment returned with any interest earned. See the Contacts section on page 7. If you do not exercise your cancellation rights within the 14 day cancellation period then: you will remain invested in your chosen Legal & General Guaranteed Capital Bond issue you will be subject to all the risks as detailed in these Key Features. Maximum or minimum issue size Legal & General (Portfolio Management Services) Limited may, in exceptional circumstances, close an issue early. This may occur if too little money is received to make the issue viable or because the issue has been over subscribed. If your application is not accepted then your investment will be returned in full. Why do I need to prove my identity? To protect you and us from financial crime, we may need to confirm your identity from time to time. We may do this by using reference agencies to search sources of information about you (an identity search). This will not affect your credit rating. If this identity search fails, we may ask you for documents to confirm your identity. In certain circumstances, we may need to contact you to obtain more information regarding your investment. Complaints If you wish to complain about any aspect of the service you receive from Legal & General, or would like us to send you a copy of our internal complaints handling procedure, please contact us. See the Contacts section on page 7. Should you feel that your complaint is not dealt with to your satisfaction, you may be entitled to take the matter up with: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Making a complaint will not prejudice your right to take legal proceedings. Compensation Legal & General is not covered by the Financial Services Compensation Scheme for holding your money in this product and you will not be entitled to compensation from the scheme if Legal & General cannot meet its obligations. However, before the start date and after the fixed term, your money is held in trust by Legal & General in a designated client account. In all circumstances, your investment receives the protection offered to it under the Trust Law of England and Wales. This means that your money is separate to Legal & General s money and is protected from the creditors of Legal & General in the event that Legal & General cannot meet its obligations to these creditors. While invested, your money is held by the deposit taker. If the deposit taker becomes insolvent, you may be entitled to compensation under the Financial Services Compensation Scheme. Cash accounts are covered for 100% of the first 50,000 of each customer s claim. Further details on compensation arrangements are available from us on request or direct from the Financial Services Compensation Scheme. Legal & General will not meet the obligations of the deposit taker, if the deposit taker fails. Giving notice Legal & General shall not be bound to act in accordance with the instructions of anyone other than you or your personal representatives. Any notice given to Legal & General by you must be in writing (or any other method deemed acceptable by Legal & General) and should be sent to, and will only become effective on receipt at, one of the following: Legal & General Retail Investments Customer Services PO Box 1004 Cardiff, CF24 0YS or Legal & General Retail Investments Customer Services Brunel House 2 Fitzalan Road Cardiff, CF24 0EB or such other address of which you may be notified after acceptance. Legal & General will acknowledge such notice and comply with it except where we believe that compliance would be impracticable or contrary to any law or rule or regulation. Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 6 of 7

7 Plan manager and deposit taker Plan manager Legal & General (Portfolio Management Services) Limited Registered office: One Coleman Street London, EC2R 5AA Registered in England No Legal & General (Portfolio Management Services) Limited is authorised and regulated by the Financial Services Authority (FSA). We are on their register under the following number: Legal & General (Portfolio Management Services) Limited You can check this at or by contacting them on Deposit taker Nationwide Building Society Nationwide House Pipers Way Swindon, SN38 1NW Registered in England No. 355B. Nationwide Building Society is authorised and regulated by the Financial Services Authority (FSA). Nationwide are on their register under the following number: Nationwide Building Society You can check this at or by contacting them on Nationwide Building Society is incorporated in England and Wales and is authorised to take deposits by the Financial Services Authority. Nationwide Building Society subscribes to The Banking Code. Contacts You can write to us at this address, if you wish to obtain information, give us instructions or have any queries or complaints. Legal & General Retail Investments Customer Services PO Box 1004 Cardiff, CF24 0YS You can call us on the telephone number below for general information, buying or queries about your plan. Customer Services: Lines are open Monday to Friday 8.30am to 6.00pm. We may record and monitor calls. Calls to this number will not exceed your fixed line or mobile phone provider s national rate and will be included in any inclusive free minute plan or discount scheme you may have with your telephone provider. Call charges will vary between telephone providers. This number may not be available from outside the UK. Regulator Financial Services Authority 25 The North Colonnade Canary Wharf London, E14 5HS The Terms and Conditions, which are governed by English law, shall apply as soon as an application is accepted. In the event of any conflict between the FSA regulations and the Terms and Conditions, the former will prevail. The Terms and Conditions and all communications will only be available in English.All communications from us will normally be by letter or telephone. Legal & General Deposit Plan Capital Guaranteed Multi-Index Equity Bond 10 Deposit Plan Key Features 7 of 7

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