Premier Capital Builder Portfolio

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This portfolio takes a defensive approach to building capital growth, through a diversified portfolio
which may include fixed interest investments, zero dividend preference shares, synthetic zeros and lower
risk structured products. Investments are made with the objective of obtaining greater potential returns than cash deposits but with a much lower level of risk than would normally be associated with investing in equity markets.

This portfolio might appeal to the very cautious investor looking for a strategy which has
the potential of gradual capital growth over the short term, with a significant emphasis
on capital preservation.

The price of shares and the income from them may go down as well as up and you may get back less than you invested. Exchange rates can cause the value of underlying investments to fall or rise. Tax concessions are not guaranteed and may be changed at any time; their value will depend on your individual circumstances. For your protection, your call may be recorded. Reference to any particular stock or fund does not constitute a recommendation to buy or sell. Details of the nature of the investments, the commitment required and specific risk warnings are described in the Terms & Conditions. Persons who do not have professional experience in matters relating to investments should speak with a financial adviser before making an investment decision.