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Capital: 100% or 80% guaranteed (dependent on selected product)

• When your investment matures, you can enjoy 100% capital guaranteed in USD in both products, should the Index be positive at maturity.
• If the index is negative, the FNB 100 CapPreserver ensures 100% capital protection at maturity.
  If the index is negative by more than 20%, the FNB 80 CapPreserver ensures 80% capital protection.
  If the index is negative by less than 20%, the FNB 80 CapPreserver ensures a matched reduction in the capital invested. I.e., if the index falls by 4%, the capital guaranteed amount is 96% of the capital invested.

Equity markets exposure

• Enjoy exposure to the growth of the MSCI World Index over the five-year investment term, through the indicative return range of 5% to 8%.
• The Indicative return range is multiplied by the applicable autocall year multiplied by 5 at maturity.
• Redeem your investment early through the autocall payoff strategy. The autocall period begins in year three with an annual observation frequency to maturity.

Note, if the index is not above the auto call barrier in year 3, the next observation will be triggered in year 4. If index is up, you will receive 100% + 4 the indicative return and so forth for year 5. In year five however, if the index is negative, you will receive your capital guarantees without the indicative return.