Mini-Bond 7% AER

Years Future Value (7.00%) Investment: £1,000.00 Year 1: £1,070.00 Year 2: £1,144.90 Year 3: £1,225.04 Year 4: £1,310.80 Year 5: £1,402.55

in 5 years you will have £1402.55

Years Future Value (4.00%) Investment: £1,000.00 Year 1: £1,040.00 Year 2: £1,081.60 Year 3: £1,124.86

in 3 years you will have £1124.86

To open an account you need to be aged 18 years or over, resident in the UK and only tax resident in the UK. The minimum deposit required to open this account is £1,000 You have 14 calendar days from account opening to make as many deposits as you like. After this period no further deposits are permitted

• AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded once each year Interest is paid gross without the deduction of income tax If you change your mind within 14 days of opening your account we will cancel your account without penalty or notice

We will contact you at least 21 days before your account matures detailing your options and enabling you to give us your maturity instructions An additional reminder will be issued around 14 days prior to your account maturing If you do not advise us of your maturity instructions at least two days before the maturity date, your account will roll into another Fixed Rate Account of the same term or similar term

No withdrawals, transfers out or closures permitted before the maturity date In exceptional circumstances we may permit early withdrawals from or closure of the account prior to the maturity date but this is at our discretion, subject to evidence we will request, and we are not obliged to do so. In the event that we grant permission, we may deduct 180 days’ interest as a condition

No, the interest rate is fixed and will not change for the term.

We guarantee to pay the interest rates shown provided a deposit is paid into the account within 14 calendar days of the account being opened. If the interest rates have increased by the time the first deposit is received, you’ll automatically receive the higher rate.

Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Please visit the Financial Conduct Authority website for more information on Mini-Bonds.

This product is classified as A High risk investment product and is for a ‘sophisticated’ or high net worth investor. This product has no protection under the Financial Services Compensation Scheme (FSCS) and your Capital is at risk.

Think carefully before investing in a mini-bond. Do not invest any money you can’t afford to lose.

https://www.fca.org.uk/consumers/mini-bonds

The reason we are issuing our mini bonds are because of the demand for our home improvement products mainly - 'A' rated condensing boilers and solar PV with solar batteries.

Our risks are low, mainly because our Consumer credit finance is for homeowners only. All applicants must pass a credit & affordability check, and we notify the monthly repayment history to credit agencies.

We normally invest our profits to finance our consumer loans, but the demand for our services has risen due to the rapid rise in domestic energy bills! and the demand needs more investment.