FTSE 100 Enhanced Income Plan 49 - investec.com

1 FTSE 100 EnhancedIncome Plan Income payments of every month (equal per annum) over the 5 year the FTSE 100 finishes lower than 60% of its starting level,you will lose some or all of your initial offer ends:1 March 2019 ISA transfer deadline:8 February 2019 Issuer of Securities:Investec Bank plcPlan manager:Investec Bank plcAbout InvestecThis brochure has been prepared by Investec Structured Products,which is a trading name of Investec Bank plc, which is part of theInvestec group of (comprising Investec Limited and Investec plc) is aninternational specialist bank and asset manager that provides adiverse range of financial products and services to a select clientbase in three principal markets, namely the UK and Europe, SouthAfrica and Asia/Australia as well as certain other countries. The groupwas established in 1974 and currently has approximately 10, focuses on delivering distinctive profitable solutions for itsclients in three core areas of activity, namely Asset Management,Wealth & Investment and Specialist sponsors the Investec Derby Festival, the England & GBWomen s Hockey teams, the Investec Rugby Championship andInvestec Super Rugby in New Zealand.

2 We are also proud to supportInvestec Opera Holland Park and the National Gardens more information on Investec speak to your financial adviser orvisit can you contact us?As you have a financial adviser, pleasecontinue to use them as your first point , you can write to us at:Investec Structured Products, PO Box 914, Newport, NP20 can also contact us by telephone on:0344 892 visit our How to InvestApplications for the Plan must besubmitted via a financial should be made payable to Investec Bank plc ; bankers drafts orbuilding society cheques must be madepayable Investec Bank plc - reference (yourname) . Please note we cannot acceptpost-dated reserves the right to reject anapplication for any reason, including incircumstances where the Plan informationThis document is not a prospectus, but an advertisement, and investors should not subscribe for any investment in thePlan except on the basis of information in the Key Information Document, the Base Prospectus dated 18 July 2018relating to the Impala Bonds Programme of Investec Bank plc and the related Final Terms and any Base ProspectusSupplements published since such date.

3 Copies of the Base Prospectus and any Base Prospectus Supplements canbe obtained upon request from Investec Structured Products, 30 Gresham Street, London EC2V 7QP or via the Financial Conduct Authority, alongside the Prudential Regulation Authority, regulates Investec Bank plc. They requireus to give you this important information to help you decide whether the Plan is right for you. You should read thisdocument and the Key Information Document carefully so that you understand what you are buying, and then keep itsafe for future 100 Enhanced Income Plan 4902 ContentsTerms in this brochure beginning with a capital letter, unless otherwise defined,have the meanings given to them in the Definitions section of the 'Terms andConditions'02 About Investec02 How can you contact us?02 How to Invest04 Plan Summary06 How does the Plan work?07 Examples of what you might get back at the end of the Plan Term08 What is the FTSE 100?09 Risks10Is this Plan right for you?11 Ways to invest11 How can you contact us?

4 11 Are there any compensation arrangements in place?12 Your questions answered18 Terms and ConditionsFTSE 100 Enhanced Income Plan 4903 Plan SummaryThe aim of the Plan is to provide regular Income payments regardless of the performance of the FTSE 100 and return yourinitial investment at the end of the 5 year initial investment is at codeGB00BF8S5270 PlanFTSE 100 Enhanced Income Plan 49 Plan ManagerInvestec Bank plcIssuerInvestec Bank plcPlan Term5 yearsOffer Period for Direct Investments and ISAs21 January 2019 to 1 March 2019 Offer Period for ISA transfers21 January 2019 to 8 February 2019 Start Date11 March 2019 Final Maturity Date11 March 2024 First Income Payment Date29 April 2019 UnderlyingFTSE 100 Product DescriptionThe Plan will make fixed monthly Income payments of (equal to per annum) throughout the Plan Term,irrespective of the performance of the FTSE 100. Risk to your InvestmentAt the end of the Plan Term, if the FTSE 100 finishes lower than60% of its starting level, your initial investment will be reducedby 1% for every 1% fall in the FTSE 100 over the Plan Term.

5 Please refer to the How does the Plan Work section of thisbrochure for more information. Tax TreatmentUK tax resident and domiciled individuals: Any incomepayments are expected to be subject to UK Income tax. Please refer to the 'Your questions answered' section of thisbrochure for more information. FTSE 100 Enhanced Income Plan 4904 Minimum InvestmentYou must be able to commit a sum of at least 3,000 for thefull Plan Investment 3,000,000 Ways to Invest Key Product Risks For more information, including but not limited to investmentrisk, credit risk, and tax risks, please see the Risks section ofthis brochure on page 09. Direct investment (not via an ISA)Stocks and shares ISA for 2018/2019 ISA TransferSIPP/SSAS pension arrangements Trustee, corporate, charity and nominee investments Joint holder Gift for anotherOn behalf of a childThis product puts your investment at risk. If at theend of the Plan Term the FTSE 100 finishes lowerthan 60% of its starting level, you will lose some orall of your return you receive may be less than the amount youwould have received by investing directly in the you redeem your investment before the Final MaturityDate, you may get back significantly less than theamount you originally Investec Bank plc fails or becomes insolvent ( goesbankrupt or similar), you could lose some or all of yourmoney.

6 You will not be entitled to compensation fromthe Financial Services Compensation Scheme ( FSCS ). The tax treatment of the Plan could change at any timeand Investec will not compensate you for any change intax treatment. FTSE 100 Enhanced Income Plan 4905 How does the Plan work?The Initial Index Level is recorded at the start of the Plan. The Initial Index Level is the closing level of the FTSE 100 on theStart Plan will pay Income of on each monthly Income Payment Date, irrespective of the performance of the FTSE 100. The first Income Payment Date is 29 April 2019 and monthly thereafter. You will receive your Income payment within 7 Banking Days of the relevant Income Payment after 5 yearsThe Final Index Level is recorded at the end of the Plan. The Final Index Level is the closing level of the FTSE 100 on the FinalMaturity example, if the Final Index Level has fallen by 55% from the Initial Index Level then your initial investment will be reduced by55%.If the Final Index Level is higher than or equal to 60% of the Initial Index Level you will receive back your , if the Final Index Level is lower than 60% of the Initial Index Level, you will receive back your initialinvestment minus 1% for every 1% fall in the FTSE 100 (including partial percentages).

7 FTSE 100 Enhanced Income Plan 4906 Examples of what you might get back at the end of the PlanTermThe table below shows examples of maturity proceeds at the end of the 5 year Plan Term, based upon an initial investment of 10,000. The exact return you receive will be dependent on the amount you invest and the performance of the FTSE 100 overthe Plan 100 Final Index level(compared to its Initial IndexLevel)Proceeds at maturity75% higher 10,00050% higher 10,00025% higher 10,000No change 10,00025% lower 10,00039% lower 10,00040% lower 10,00041% lower 5,90050% lower 5,00075% lower 2,500 The purpose of the table is to show the impact of potential changes in the level of the FTSE 100 on your maturityproceeds. It does not indicate the likelihood of these changes happening. Please note that you are not investing directly in the FTSE 100. FTSE 100 Enhanced Income Plan 4907 What is the FTSE 100?The FTSE 100 Index is a widely used benchmark for the UK stock market. The Index measures the performance of the sharesof the 100 largest companies listed on the London Stock FTSE 100 is an international index which includes HSBC, Vodafone, Royal Dutch Shell and globalised business of the companies that comprise the FTSE 100 means that an investment in the FTSE 100 alsoprovides currency diversification.

8 The FTSE 100 is accessible to UK investors as it is quoted in Pounds methodologyThe FTSE 100 Index is a market capitalisation weighted index meaning larger companies comprise a greater portion of theindex and that larger companies have greater influence on the performance of the index than smaller companies. The FTSE100 uses a weightings methodology, which means that it is not distorted by large companies with small free floats . Free floats are shares of a public company that are freely available to the investing performance Source Bloomberg The Index can fall as well as rise and past performance is not a reliable indicator of future 100 Enhanced Income Plan 4908 RisksIn addition to the key risks set out on page 05, there are a number of other risks associated with this investment that youshould risksCredit riskISA related risksTax risksCancellation risksThis product puts capital at risk. If the FTSE 100 finishes lower than 60% of its starting level, you will lose some or all of your money.

9 There is a risk that you will not receive any return on your investment after 5 are not investing directly in the FTSE 100, therefore regardless of how high the FTSE 100 rises, the maximum return atmaturity for this Plan will be as shown on page 07. It is therefore possible that any return you receive from this Plan may beless than the amount you would have received by investing directly in the FTSE the Plan Term, if Investec Bank plc fails or becomes insolvent ( goes bankrupt or similar), you could lose some or allof your money. In this event it is unlikely that you would be covered by the Financial Services Compensation to the Start Date and after the Final Maturity Date your money will be held on deposit by Investec as banker and not astrustee. If Investec goes bankrupt or similar, you could lose some or all of your money. In this event you would need to seekcompensation from the Financial Services Compensation Scheme (FSCS), subject to your eligibility as a claimant.

10 Please seepage 11 for further details. Investec has a deadline for receipt of ISA transfer applications, to allow sufficient time to receive the proceeds from yourexisting ISA manager. However, if they do not send us the funds you have requested before 1 March 2019, we will not be ableto accept your investing in this Plan, you should seek advice from your financial or tax adviser if you are unsure of the tax treatment ofthe Plan for your particular laws and their interpretation may change during the life of the Plan. This may reduce your overall return. Investec will notcompensate you for any change in tax Plan is designed to be held for the full Plan Term. Before investing in this Plan, you should first ensure that you havesufficient capital that you can access in the event that you have any emergency cash needs. Whilst a secondary market ( the capability to cash in your investment early) exists in normal market conditions, it is notguaranteed. The ability to cash in your investment early should not be relied upon when choosing to invest in the Plan.