Yorkshire Building Society is the Distributor and Deposit Taker of the Plan.

Credit Suisse International is the Account Manager.

Yorkshire Building Society is a participant in the Financial Services Compensation Scheme, details of which are found on page 11 of the Plan Specific Terms and Conditions for Tracked Growth 40.

Investing in the Plan does not make you a member of Yorkshire Building Society.

You must be aged 18 or over and be resident and ordinarily resident in the UK for tax purposes.

This Plan may be suitable if you are looking for:

• A tax-efficient investment within an ISA or your Pension Plan
• Your money to be fully invested without the need to access it for the whole fixed investment term
• Your capital to be protected at the end of the fixed term
• A fixed minimum return with the potential for a greater return linked to the performance of the FTSE^® 100 Index.

This Plan may not be suitable if you are looking for:

• Access to your money during the fixed term
• You want to add to your investment on a regular basis
• Direct investment in the UK Stock Market.

You will have 14 days from the date of receipt of details of your cancellation rights to change your mind and cancel your investment. If you exercise your cancellation rights during this period, your initial investment will be returned to you in full. However you may lose your tax free ISA allowance (if applicable).

Please see clause 5 on page 2 of the General Terms & Conditions for further details relating to your cancellation rights.

Please note that the Plan is intended to be held for the full Investment Term. Early encashment of the Plan following the 14 day cancellation period will result in an Early Exit Fee** and so you will get back less than you initially invested.

Your money is not invested in stocks and shares. The performance of the FTSE^® 100 Index is simply used as a means of measuring and calculating the growth you will earn.

Provided the Plan is held for its full Investment Term your capital is protected and you will receive a gross growth payment of at least the minimum return set out in the terms for the Plan you have chosen. Your money is protected in the same way as any other bank or building society account you may have. Yorkshire Building Society is the Deposit Taker of the Plan and is therefore obliged to repay your original investment in full at maturity. Should Yorkshire Building Society default there is no protection or guarantee provided by Credit Suisse or any other third party and you could lose some or all or your investment. Yorkshire Building Society is a participant in the Financial Services Compensation Scheme, details of which are found on page 11 of the Plan Specific Terms and Conditions for Tracked Growth 40.

The FTSE^® 100 Index is the share index of the UK's top 100 companies by market capitalisation listed on the London Stock Exchange. The Index includes names such as BP, Tesco and Unilever.

Funds invested in this Plan are not invested in the UK Stock Market, and at no stage will any stocks or shares be bought with your money. The performance of the FTSE^® 100 Index is simply used as a means of measuring and calculating the return you will earn.

You can follow the progress of the FTSE^® 100 Index in the national press, on TV, the radio and the Internet - its that simple to keep an eye on how your investment is doing.

In addition you will receive an annual statement from Credit Suisse, to show the 6 monthly Index measures taken to date.

We can't answer this. However, one of the key aspects of this account is that you receive a minimum rate of return over the term regardless of how the FTSE^® 100 Index performs. And if the FTSE^® 100 Index grows significantly in all six monthly periods you'll have the potential to receive much more than the minimum return.

A conventional savings account could give you a better interest rate than the minimum offered with the Protected Capital Account. But capital invested in a longer term product like the Protected Capital Account has the potential for much higher returns. If the FTSE^® 100 Index grows significantly in all six monthly periods you'll have the potential to receive much more than the minimum return.

If the Account is held in

• Your sole name, your personal representative may elect to terminate your Account or have the Account transferred into the name of your personal representative or into the name(s) of your beneficiaries
• Joint names, where one of the Account holders dies, the Account will be transferred into the survivors sole name and may, if required, be terminated by the sole survivor.

If the account is terminated before the full term, you will get back your initial investment only.

If your Account is an ISA, it will lose its ISA status in accordance with the ISA regulations.

If you hold the Plan until the Plan Maturity Date you will receive:

• 100% repayment of your Initial Investment;
• The applicable growth payment; and
• An Early Investment Bonus (if applicable).

You will be contacted prior to the Plan Maturity Date to determine what you wish to do with the proceeds of your Account (please see clause 9 on page 3 of the General Terms & Condition for further details).

If you invest in the Plan via a Cash ISA and/or Cash ISA transfer, any payments made to you under the Plan will be free from UK income tax.

If you invest in the Plan via a Direct Deposit (i.e. outside of an ISA), any payments to you under the Plan (other than the repayment of capital) will be taxable income in the year that it is paid and will be subject to income tax at your marginal rate.

Payments to you subject to income tax will be made net of tax deducted at source at the basic rate (currently 20%). If you are a higher rate taxpayer you will have a further 20% liability (which increased to 30% from 6 April 2010 if you become an additional rate tax payer, i.e. have an income over £150,000) to HM Revenue and Customs. Basic rate taxpayers will have no further liability to tax.

If you pay tax at less than the basic rate and are entitled to receive payments of interest gross (i.e. without deduction of tax), interest payments will be paid net of basic rate tax. You may be able to reclaim some or all of the tax deducted from HM Revenue & Customs by completing form R40.

For companies, self invested personal pension schemes (SIPPs) and charities interest may be paid gross without the deduction of tax. For a description of the tax treatment of bare trust applications please see the relevant bare trust application form.

For further details please see 'Taxation of Direct Deposits', 'Taxation of Cash ISA's and 'General Risk Factors' in the General Terms & Conditions.