Gilliat's latest version of its Annual Kick Out plan offers three investment options, each linked to the FTSE 100 and S&P 500.
In each plan, a kick-out occurs if the value of both indices is equal to or greater than the relevant reference level.
If a kick-out occurs, then the product closes and investors receive a growth payment and their initial investment.
The reference level for option one is the starting value of both the FTSE 100 and S&P 500; for the second option it is 95% of the starting value of each index and the third option has a reference level equal to 90% of the indices' initial level.
Gilliat managing director Adrian Neave says: "Kick out products are proving consistently popular with investors.
"Our back testing on the Annual Kick Out has shown the product would have kicked out after year one on 75% of occasions for the 100% reference level, and up to 85% for the other two.
"We feel that this, combined with a coupon of 12.25% after just 12 months, offers investors a potentially excellent return."
Royal Bank of Scotland serves as counterparty for the five-year plan, which has a minimum investment of £3,000 and is open until 1 October 2010. Commission is available at 3%.
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