1. DESIGN
A short introduction to Emma K Norton

2. DESIGN
History
I am Emma K Norton, trading as EKN Design.
I have years of experience working in design
across diverse industries. My expertise lies
in designing graphics, layouts and proof-
reading documents.
Alongside my employed graphic design
work with architects, financial institutions and
advertisers, I spend a lot of time painting,
designing and creating artworks of my own.
I have a Bachelor’s degree in Ergonomics
(‘human-centred design’ or ‘the science
of usability’) which gives me a great
appreciation of how limitations of the human
user impose restrictions on design. This
mindset provokes me to create accessible
design. For example; the distance at which
a certain font size can be easily read must
be considered when designing marketing
materials to be read from afar.
My interest in art and design began at a
very early age when, as a youngster, I was
unable to put down my crayons, pencils,
paintbrushes and, later, my Mac.
I am empassioned by my desire to create
aesthetic yet practical design.
Contact details
If you’d like to have a chat about any project
you have in mind, please send me an email
or give me a call.
e: emma@ekndesign.co.uk
t: 07736 302 241
w: www.ekndesign.co.uk
a: 34 Weston Road
Aston Clinton
Aylesbury
Bucks HP22 5EG
EmmaKNortonBSc(Hons)
Emma K Norton, trading as EKN Design, provides freelance graphic design services across a variety of industries. She
creates eye-catching and unique logos, branding and marketing materials to help your company engage with your target
audience. Her aim is to provide you with the perfect combination of beauty and functionality.
emma@ekndesign.co.uk | 07736 302 241 | 34 Weston Road, Aston Clinton, Aylesbury, Bucks HP22 5EG | www.ekndesign.co.uk
What can I do for you?
• Corporate identity & branding
• Logo design
• Brochures
• Flyers
• Leaflets
• Application forms (including hard copy
and interactive PDF)
• Invitations
• Posters
• Proof-reading
• Bespoke projects - just ask!
How I work
I work efficiently and effectively when faced
with very tight time constraints.
If you need something ‘yesterday!’, I can
create it for you, quickly, accurately and
aesthetically.
I am a stickler for detail and I am passionate
about good English. You will find that my
work always reflects this. I do not ‘make do’;
if something doesn’t look or sound quite
right, I will fix it.

3. DESIGN
Work & Education
Creative Design Manager
(August 2014 to December 2014)
Meteor Asset Management Ltd.
Entirely responsible for creative services.
Key responsibilities:
• Create new brand identities for
partnerships with marketing agents,
including logo design and brand name
• Redesign product literature and marketing
materials
• Design and prepare product literature for
retail and bespoke investment products
• Create and oversee new corporate
materials from inception to use, including
artworking, pre-press and coordinating
production
• Proof-reading and copywriting
Artworker & Creative Services Executive
(June 2013 to July 2014)
Meteor Asset Management Ltd.
Key responsibilities:
• Design and creation of marketing
materials for investment products
• co-ordination of the approval process for
brochures and all company documents
• Prepare presentations, sales and
marketing aids, and training aids
• Control and uploading of content to the
company website
• Creation of new layout options for the
company website redesign
Marketing and Design Assistant /
Submissions Coordinator
(October 2010 to June 2013)
Marks Barfield Architects
Marks Barfield Architects are designers and
creators of the London Eye, Kew Treetop
Walkway and the (soon to be realised)
Brighton i360 projects.
Key responsibilities:
• Create and format bid submissions
• Proof-reading
• Design brochures, presentations, exhibition
boards, other marketing materials
• Assist design of new company website,
entirely responsible for uploading content
• PA to 3 directors and HR Assistant
Production Coordinator
(Sept 2009 to Oct 2010)
Urban Storm Ltd.
• Manage the client accounts, coordinating
production and delivery of billboard
campaigns
Ergonomics BSc (Hons) 2:1
(2006-2009)
Loughborough University
• “Design for Human Use” or the “Science
of Usability” - a combination of design
with psychology and human biology
• Second and Final Year modules
specialised in design, creating design
solutions allowing for limitations of
human users (both physical & cognitive)
Art & Design Foundation Diploma
(2005-2006)
Loughborough University
• 2D & 3D design, fashion, fine art, visual
communications (graphic design &
illustration)
A-Levels / AS-Levels
(1995-2005)
Aylesbury High School
• A-Levels: Art (A), Psychology (B), Spanish (C)
• AS-Levels: Art (A), Psychology (B),
Spanish (C), Biology (C), Critical Thinking (C)

4. DESIGN
Portfolio
Private Clients
Business card designs
JOHN TOVEY
07968 918 948
johntovey19@gmail.com
JOHN TOVEY
ROBERT J TAYLOR
07872 073 096
robertjtaylor85@gmail.com
uk.linkedin.com/in/robertjtaylor85
Robert J Taylor

5. DESIGN
Portfolio
Incisiv Structured Product Research
Logo & brand identity design
STRUCTURED PRODUCT RESEARCH
Methodology
This information is for financial advisers only and should not be presented to,or relied upon,by private investors.
Please visit www.incisiv.com if you would like to find out more.
16 August 2013
Incisiv Structured Product Research offers clear and fair
quantitative research on retail structured products
STRUCTURED PRODUCT RESEARCH
2
Introduction
Product Analysis
Our primary aim is to give advisers and investors an indication
of the risk and return that a product offers. Our analysis allows
products to be filtered to identify a short list of products that
may be suitable, and then ranked using a number of different
measures to help identify the product that best meets the
investor’s requirements.
We measure risk and return using historical data only:
l We use publicly available data that is available through
external sources such as Bloomberg
l Our analysis is fully transparent, objective and easily
verifiable
l There is no need for specialist derivatives knowledge
l We are not required to make any assumptions, estimates
or judgements
We use straightforward methodologies, applied consistently
across all products
l We offer clear analysis of the risks and returns a product
offers
l Our analysis makes product comparison straightforward;
investors are easily able to compare products from one
issuer with another or products that offer exposure to
different underlying markets
l There is no need for specialist statistical or mathematical
knowledge to understand the analysis
l Our analysis is consistent with the risk information
offered by funds in their Key Investor Information
Documents (KIIDs)
l Our analysis is consistent with the main financial planning
tools and processes
For each product, we offer an online analysis and we create
an Adviser Briefing Document (ABD) as a PDF that can be
downloaded from our web site.This document is created
when the product is first available to investors. Both the online
analysis and ABD are subsequently updated on a regular basis
throughout the term of the product. Up to date analysis will
reflect the current product price and the latest levels of the
underlying assets.
Multiple scenarios
We test products under 3 different scenarios
l Historic Back-test; an analysis of the risks and returns
offered by a product that uses the actual past
performance of the underlying assets
l Future Stress-test; the same analysis but on multiple
resampled paths of the historical returns of the
underlying data
l Credit Adjusted Future Stress-test; an adjusted Future
Stress-test where the risks and returns are adjusted to
reflect the possibility of the issuer defaulting
STRUCTURED PRODUCT RESEARCH
3
HISTORIC BACKTEST METHODOLOGY
We use daily closing levels of a product’s underlying(s) as far
back as possible to analyse the returns that a product would
have offered had it been available in the past.
To illustrate, we describe how on 26th July 2013 we back-
tested a FTSE100 6 year autocall with annual kick-outs from
Year 2 and a 50% American soft protection barrier; FTSE100
price data is available on Bloomberg from 3rd January 1984:
l the first 6-year cycle we look at is therefore 3rd January
1984 to 3rd January 1990
l the second is 4th January 1984 to 4th January 1990 and
so on, each cycle starting and ending on a trading day
l the last cycle is 26th July 2007 to 26th July 2013 as this is
the last complete 6 year term
l There are 5971 such cycles
For each cycle, we first check if the product would have
kicked out inYear 2. If so, it is recorded as aYear 2 early
maturity and no further analysis is needed for that cycle. If not,
we then check if it would have kicked out inYear 3 and so on
through toYear 6.
We cannot select cycles starting later than 26th July 2007 as
the six year term would not have been completed.This is the
case even when we know that on some of those occasions
the product would have matured early.To include such cycles
would be to “cherry pick” as only those that had matured
early would be included; cycles where the product would not
yet have matured and which could end in a capital loss would
be left out and therefore would present a misleading result.
We can then analyse the outcomes and record how many
of the 5971 cycles would have resulted in aYear 2 kick out,
Year 3 kick out,Year 4 kick out,Year 5 kick out,Year 6 growth
payment, a maturity payment equal to the capital invested or a
capital loss at maturity.
The results can be presented as a percentage of the
population of 5971 cycles. For example, there were 4710Year
2 kick outs, which is 78.9% of the 5971 possible start dates;
there were 56 occasions where a capital loss occurred – 0.9%
of the possible start dates.
The same principles can be applied to other structures. For
example, with the same basic product shape linked to the
FTSE 100 and S&P 500 indices, we would start from the
earliest common data date for both indices, which is 3rd
January 1984.Although the time span is the same, there will
be fewer observations, as the back-test can only use a start
date when both indices are quoted. For example, a FTSE only
product could start on 4th July but, as US markets are closed
on 4th July, a FTSE/S&P product could not have done.
Our research is not restricted to fixed start dates however. It
will facilitate a time period of the user’s choosing. For example,
if an analyst were to assume that only the last 10 years of data
were relevant, on our site they could set the start date to
reflect only this period of data.The number of cycles would
then be reduced to only the last 10 years.
This information has been prepared solely for information purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any
investment offered by Incisiv.
Incisiv has used historical information in order to provide an illustration of how certain parameters may have performed over a defined period.This
presentation may also contain certain performance data based on back-testing, i.e., calculations of the hypothetical performance of a strategy, index
or asset as if it had actually existed during a defined period of time.The scenarios, simulations, development expectations and forecasts contained in
this presentation are for illustrative purposes only.
The information is based on or derived from information generally available to the public from sources believed to be reliable. No representation or
warranty can be given with respect to the accuracy or completeness of the information.We do not undertake to update this information.
Incisiv Limited and its affiliates disclaim any and all liability relating to this information, including without limitation any express or implied
representations or warranties for statements contained in, and omissions from, this information.Additional information is available on request.
Incisiv Limited does not give investment, tax, accounting and legal or regulatory advice and investors should consult with their professional advisers.
Incisiv Limited
55 King William Street
London EC4R 9AD
Tel +44 (0)20 7904 1010
Fax +44 (0)20 7283 1355
Email info@incisiv.com
Web www.incisiv.com
STRUCTURED PRODUCT RESEARCH
STRUCTURED PRODUCT RESEARCH
6
Summary StatisticsTable
Historic Backtest Future Stresstest
Non-credit Adjusted Non-credit Adjusted Credit Adjusted
Return 6.9 5.6 5.2
Average Gain (pa) from every gain scenario 11.9 11.4 10.9
Probability of Gain 89.3 83.2 83.2
Expected Gain (pa) 10.5 7.6 9.1
Average Loss (pa) from every loss scenario 4.5 9.4 4.1
Probability of Loss 10.2 7.3 16.8
Expected Loss (pa) 0.5 0.7 0.7
Volatility 9.2 14.9 14.9
VaR95 73.9 63.3 63.3
Expected Maturity (y) 2 2.5 2.5
Probability of Earliest Maturity 67.9 50.2 50.2
Win Lose 22.8 11.1 13.4
Risk Return 0.75 0.38 0.35
PRIPs Risk Score 4.8 6 6
EXPECTED RETURN
The expected return is the annualised expected return
obtained from each of the 3 scenarios. For example, an
expected return of 41.85% after 6 years is the equivalent
of 6% per annum (1.06^6 = 41.85%). But for kick-outs, the
payoff P can occur at different timesT and with an associated
probability.The return is therefore calculated as an annualised
return
exp(ln(∑tptPt)/∑tptTt) – 1
where: Pt is the expected payoff2 at time t (the average payoff
for all product instances that matured at time t)
Tt is the time-to-payoff at time t, in years
pt is the probability of maturity at time t (the number
of product instances that matured at time t divided
by the total number of product instances)
The expected return reflects all of the outcomes, good and bad,
that the product has delivered under each scenario.As such it is
a good reflection of the return that the product will offer.
2 e.g. 1.15 representing a 15% gain
STRUCTURED PRODUCT RESEARCH

6. DESIGN
Portfolio
Incisiv Structured Product Research
Website layout design
STRUCTURED PRODUCT RESEARCH
STRUCTURED PRODUCT RESEARCH Username Password
Forgotten my password
Sign in Register
Top
Search:
Issuer Name All Product Types GoRisk Score Underlyings Volatility
Issuer Name Type ISIN Issued Maturity Underlying Return Vol Duration Risk Score Sharpe Win Lose
RBS Intl Dual Index Defensive KO May
2013
Enhanced Return XS0974839274 2013-05-01 2019-05-01 FTSE100 SX5E 5.9% 19.4% 3.4 6.4 0.30 7.0
Markets UK equity held 6y Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 FTSETotal
Return
8.6% 20.5% 6.0 6.5 0.42 11.8
Markets Bonds 5-10 held 6y Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 Bond 5-10 6.5% 7.0% 6.0 4.4 0.93 505.2
Markets Global Bonds held 6y Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 JPM Global
Aggregate Bond
Index
5.4% 5.7% 6.0 4.1 0.96 633.6
Markets UK Equity / Global Bonds 60 / 40
held 6y
Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 FTSETotal
Return
JPM Global
Aggregate Bond
Index
8.2% 17.8% 6.0 6.2 0.46 15.1
Morgan Stanley FTSE 5 Enhanced Quarterly
Defensive June 2013
Enhanced Return XS0974839274 2013-05-01 2019-05-01 BP
Biliton
Glaxo
HSBC
Vodafone
3.0% 29.4% 3.2 7.0 0.10 2.5
Credit Suisse AG FTSE S&P Kick Start Autocall June
2013
Enhanced Return XS0974839274 2013-05-01 2019-05-01 FTSE100
S&P500
5.0% 14.0% 3.4 5.8 0.36 11.6
Credit Suisse AG FTSE Defensive Growth June 2013 Enhanced Return XS0974839274 2013-05-01 2019-05-01 FTSE100 4.8% 19.7% 6.0 6.4 0.24 9.1
Markets UK Equity / Global Bonds 60 / 40
held 6y
Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 FTSETotal
Return
JPM Global
Aggregate Bond
Index
8.2% 17.8% 6.0 6.2 0.46 15.1
Morgan Stanley FTSE 5 Enhanced Quarterly
Defensive June 2013
Enhanced Return XS0974839274 2013-05-01 2019-05-01 BP
Biliton
Glaxo
HSBC
Vodafone
3.0% 29.4% 3.2 7.0 0.10 2.5
RBS Intl Dual Index Defensive KO May
2013
Enhanced Return XS0974839274 2013-05-01 2019-05-01 FTSE100 SX5E 5.9% 19.4% 3.4 6.4 0.30 7.0
Markets UK equity held 6y Tracker certificates
(delta 1)
XS0974839274 2013-05-01 2019-05-01 FTSETotal
Return
8.6% 20.5% 6.0 6.5 0.42 11.8

7. DESIGN
Portfolio
Meteor Asset Management
Brand re-design
www.meteoram.com
FTSE®
/ STOXX Accumulator Deposit Plan
July 2014
capital protected
FTSE® / STOXX Accumulator Deposit Plan July 2014 PAGE ii
Contents ii
Plan Summary 1
Key Risks 2
Key Dates 2
How the Plan works 3
Compensation arrangements 4
About Royal Bank of Canada 5
Investment return - Option 1 6
Investment return - Option 2 7
Return of your deposit 8
Taxation 8
Anti-money laundering regulations 8
Simulated historical performance - Option 1 9
Simulated historical performance - Option 2 10
The Indices 11
About Meteor 12
Investing 13
Statements and communications 14
Managing your account online 14
Charges and fees 15
Risks 16
Frequently asked questions 18
Is this Plan right for me? 20
Terms and Conditions 21
This brochure explains the features of the Plan. Please ensure that you read this document fully prior to making
an investment. Meteor does not provide financial advice. We recommend that you talk to a financial adviser
who will be able to help you assess whether the Plan is suitable for you. You should conduct such independent
investigation and analysis of the tax treatment of an investment as you feel appropriate, to evaluate the merits
and risks of an investment in the Plan. The information on taxation contained in the brochure is based on our
understanding of rates of tax, current legislation, regulations and practice, which are likely to change in the
future and which may be applied retrospectively.
Contents
This brochure is also available in large print.
Please call 020 7904 1010 to request a copy.
FTSE® / STOXX Accumulator Deposit Plan July 2014 PAGE 1
Plan Summary
Plan term A six year two week term
Asset type A fixed term structured deposit (the ‘Deposit’)
Underlying assets FTSE 100 Index and EURO STOXX 50 Index (‘the Indices’)
Counterparty Royal Bank of Canada (London Branch)
Bare Trustee and
Plan Manager
Meteor Asset Management Limited
Return of deposit The return of the amount you deposit in the Plan is not dependent on the performance of the
Indices. The original amount deposited will be returned in full at the Maturity Date, subject to
Counterparty Risk.
Investment
Options
(‘the Options’)
Option 1
If, on any six-monthly Measurement Date, the closing levels of both Indices are at least equal to their
Opening Levels, the Plan will accrue a gross interest payment of 3%, payable at maturity. If, on a six-
monthly Measurement Date, the close of business level of one or both Indices is below its Opening
Level, no interest payment will be accrued for that six month period. If the closing levels of both
Indices are never lower than their Opening Levels on any of the Measurement Dates, then the Plan
will provide a gross interest payment at the Maturity Date equal to 36% of the money you invest. The
first Measurement Date will be on 30 January 2015.
Option 2
If, on any six-monthly Measurement Date, the closing levels of both Indices are at least equal to 90%
of their Opening Levels, the Plan will accrue a gross interest payment of 2%, payable at maturity. If,
on a six-monthly Measurement Date, the close of business level of one or both Indices is below 90%
of its Opening Level, no interest payment will be accrued for that six month period. If the closing
levels of both Indices are never lower than their Opening Levels on any of the Measurement Dates,
then the Plan will provide a gross interest payment at the Maturity Date equal to 24% of the money
you invest. The first Measurement Date will be on 30 January 2015.
Tax treatment It is our understanding that any interest payable from a direct investment by individuals or Trusts into
this Plan is expected to be subject to Income Tax (see page 8).
Available for n Individual or joint applications
n Cash ISAs or New ISAs (NISAs) in respect of the 2014/15 tax year
n ISA/NISA transfers
n Pension schemes
n Trustees, companies and partnerships
n Investment via an Offshore Bond
This Plan is not available to residents of the United States or Canada
The Deposit Your money will be deposited with Royal Bank of Canada (London Branch), hereafter referred to as
‘RBC’, through a bare trust. A bare trust is an arrangement which allows the Plan Manager to act on
behalf of investors in relation to their deposit. The Deposit is effectively a loan to RBC and repayment will
depend on the ability of RBC to pay the amounts due to us.
Meteor
distribution fee
We will receive a distribution fee of up to 2.6%. We use this fee to cover our costs for the preparation
of the Plan literature and information, as well as marketing the Plan. We also use this fee to offset
standard administration charges that would otherwise have been payable. This fee may also be used
to cover payments to introducers, where necessary.
FTSE® / STOXX Accumulator Deposit Plan July 2014 PAGE 2
Key Dates
Closing date for
Plan subscriptions
n ISA/NISA transfer applications 17 July 2014
n Applications with cheques 24 July 2014
n Applications with bank transfers 29 July 2014
Please note: NISA applications cannot be accepted before 1 July 2014
Start Date 31 July 2014
Opening Levels Closing levels of the Indices on 31 July 2014
Measurement
Dates
30 January 2015 31 July 2015 29 January 2016 29 July 2016 31 January 2017
31 July 2017 31 January 2018 31 July 2018 31 January 2019 31 July 2019
31 January 2020
Final Levels Closing levels of the Indices on 31 July 2020
Maturity Date 14 August 2020
Key Risks
Risk to interest payment
n Any interest accrued will be
dependent on the performance of
the Indices and it is possible that you
might not receive any interest at all.
Access to your deposit
n If your circumstances change and
you need to withdraw from the
fixed term Deposit prior to the
Maturity Date, it is likely you will not
receive back all of the amount you
originally deposited in the Plan. In
this event, you will also have to pay
an administration charge. Please note
that there is no guarantee that RBC
Capital Markets LLC (the Calculation
Agent of the Deposit) will provide
pricing.
n In normal market conditions, it is
expected that the Calculation Agent
will provide pricing of the Deposit
for investors who need access to
their deposit before the Maturity
Date. However, there is no guarantee
that you will be able to withdraw
the Deposit before the Maturity
Date as the decision about whether
market conditions are normal will be
taken by the Calculation Agent (see
Liquidity risks).
n If you decide to withdraw the
Deposit before maturity you could
get less back than you invested in the
Plan.
Counterparty risk
n It is possible that RBC could collapse
or fail to make the payments due
from the Deposit. If this happened
you could lose some, or all, of the
amount you deposit, as well as any
interest to which you otherwise
might have become entitled. This is
subject to your potential eligibility
for compensation from the FSCS.
n The actual and perceived ability
of RBC to meet its obligations
may affect the market value of an
investment over the term. If RBC
fails to meet its obligations, you will
get back less than is due to you or
nothing at all.
The risks associated with this Plan are not limited to those listed here, but these are the key risks. Further risks are
outlined on pages 16 and 17.
FTSE® / STOXX Accumulator Deposit Plan July 2014 PAGE 3
The return from the Plan is linked to
a fixed term structured deposit (the
Deposit), commencing on 31 July 2014
and ending on 31 July 2020.
An investment in the Plan constitutes
a contractual arrangement with
Meteor Asset Management Limited,
the Plan Manager. Meteor Investment
Management Limited (MIM) is the Plan
Administrator for the Plan. We will arrange
for your money to be deposited with the
Deposit Taker through a bare trust. A bare
trust is an arrangement, which allows the
Plan Manager to act on behalf of investors
in relation to their deposit. The Deposit
Taker is Royal Bank of Canada, acting
through its London Branch, otherwise
known as the Counterparty.
The Deposit is arranged to pay interest
in accordance with the investment
objectives of the Plan.
Option 1 of the Plan has been designed
to provide a potential interest payment
for every six months the Plan has been in
force, provided the closing levels of both
Indices, at any Measurement Date, are at
least equal to their respective Opening
Levels. In this case, the Plan will accrue
an interest payment of 3% for that six
month period, which is payable at the
Maturity Date (see page 6).
Option 2 of the Plan has again been
designed to provide a potential interest
payment for every six months the
Plan has been in force, provided the
closing levels of both Indices, at any
Measurement Date, are at least equal
to 90% of their respective Opening
Levels. In this case, the Plan will accrue
an investment return of 2% for that six
month period, which is payable at the
Maturity Date (see page 7).
The return of the amount deposited
is not dependent on the performance
of the Indices and is protected from
falls in the Indices. However, the risk to
capital has not been eliminated as the
repayment of the amount you deposit in
the Plan is dependent on RBC being able
to pay the amounts due from the Plan.
The investment return from the Plan
is linked to the performance of the
Indices (see page 11). Neither the Plan
nor the underlying Deposit track the
Indices directly but offer the potential
for an enhanced return on your Deposit
compared to the actual performance of
the Indices.
Meteor Asset Management Limited
acts as Bare Trustee of the trust and
holds the Deposits for the benefit of the
individual investors. Meteor will provide
information to RBC to confirm the
identity of the individual investors who
are the beneficial owners and, as such,
are entitled to the proceeds.
The Deposit is effectively a loan to RBC
and repayment will depend on the
ability of RBC to pay the amounts due to
us. This is known as Counterparty Risk.
The Plan is available to individuals as
a 2014/15 cash NISA or direct deposit.
It is also available to pension funds,
companies and charities., as well as
through Offshore Life Assurance Bonds.
The trade-off for the potentially
enhanced return is that if the Indices
were to increase by more than any
interest payment you may receive, you
would not benefit from any interest
payable above that provided by the Plan.
In addition, you should also understand
that you will not be entitled to receive
the dividends that would normally be
available if you had invested directly in
the Indices.
If the Plan is oversubscribed we may not
be able to accept your application.
How the Plan works

8. DESIGN
Portfolio
Meteor Asset Management
Brochure design
Diversified Earth Fund
Innovative Solutions. Immaculate Service.
Page 1
Summary
• A Guernsey based Qualified Investor Fund
• Available in a range of currencies
• Investing in a range of projects that address
basic human needs
• Utilising a rigorous investment selection
process
• Involvement of industry experts throughout
the process
• External review process by an independent
investment committee
• Investment across a range of methodologies
and continents to provide diversification and
mitigate risk
• Where available the use of offsets to
generate a steady core return
• Target returns of 8% p.a.
Page 2
The Opportunity
Of the top one hundred companies
from one hundred years ago, only one
survives today. Despite being the best of
their time and focused in their respective
fields history has shown that on the
whole they were not sustainable. Today
the pace of life is much faster, with what
took ten years then often being achieved
in one year, or less, today.
With demographics changing rapidly,
the need for innovative solutions to
fully utilise all of the global resources
available is becoming ever more
necessary, with consumers demanding
products that are renewable, recycled
or from sustainable sources. As a result
sustainability in today’s world of rapid
change is vital for secure investments,
even more so when almost every aspect
of human life comes up against our
planets limited natural resources.
Investing in the future means investing
in sustainable projects and that requires
investment managers with knowledge
and understanding.
Unlike one hundred years ago,
companies today must be aware of
the diversified nature of their local and
global environments.
ENVI
RONMENTAL
ECONOMIC
SOC
IAL
Profit
Cost Saving
Research & Development
Economic Growth
Natural Resource Use
Environmental
Management
Pollution Prevention
(air, water, land, waste)
SOCIAL
ENVIRONMENTAL
Environmental Justice
Natural Resources Stewardship
Locally & Globally
ENVIRONMENTAL
ECONOMIC
Energy Efficiency
Subsidies / Incentives for use of
Natural Resources
ECONOMIC
SOCIAL
Business Ethics
Fair Trade
World’s Rights
Standard of living
Equal Opportunity
Education
Community
SUSTAINABILITY
Page 3
The Solution
At a time when traditional investment
models have become increasingly
volatile, often underperforming against
investors’ aspirations, alternative
investment solutions that are sustainable
are becoming ever more important as
part of a balanced portfolio. This theory
of sustainability also applies to the wider
theory of economic development and
requires ethical consumerism to ensure
the alignment of people, the planet and
profit.
With this in mind, the time has arrived
for a sustainable investment strategy,
which adopts a different approach
by engaging with the environment
with the aim of generating returns
uncorrelated to traditional asset classes.
Accordingly the Diversified Earth Fund
(‘The Fund’) is designed for investors
looking to generate attractive levels of
investment returns, whilst looking to
benefit global welfare through projects
that address basic human needs, such
as water, energy, food, waste, shelter,
health, education and employment.
The Fund has successfully brought
together a team of leading financial,
sustainability and commercial
experts, with experience of investing
in technologies and projects that
will support a global low carbon
future. With the need for the journey
to sustainable evolution becoming
ever more pressing, we believe a
systematic approach which looks
for interconnected opportunities
will enhance both economic and
sustainable outcomes.
Always aware of the need for
diversification, both from a
methodology and geographical
viewpoint, the Fund will invest in a
broad range of projects across both
developed and developing countries in
the search for investment in appropriate
innovation. With a mandate to focus
on green technology and innovation
that can be leveraged, scalable and
incremental in scope and impact, the
key features of the Fund are:
• Commercially viable investments
which provide long term
sustainable protection for the
planet and its people, and which
are scalable and/or replicable.
• An Open-ended Fund with
sub-Funds for developing and
developed world projects; suitable
for institutional and high net worth
investors.
• Target projects funding
requirements will be in the £1m to
£20m range.
• Start-ups considered with strong
management teams or first class
technologies.
• Yet to be proven technologies
considered as part of the diversity
of the portfolio.
• The Fund’s project management
team has a wealth of relevant
experience and expertise and
is engaged to initiate, assess,
implement and monitor
investments.
• Fund objectives are to provide
income over the longer term
with capital appreciation, whilst
meeting ethical, social and
environmental objectives.
• Independent Investment
Committee of experts across a
range of disciplines.
Page 4
Prior to any investment being
undertaken we will work closely
with the Funds advisers BE Capital
Partners (BECP) to identify and assess
the investment merits of each project.
BECP will then carry out a detailed
review of each project providing
recommendations, based on extensive
due diligence, to an Investment
Committee of experienced and suitably
qualified people who will assist us in
the investment decisions to be made.
This will process will include:
• Identification of prospective
projects/businesses requiring
investment;
• Research and due diligence into
each prospective project; technical,
commercial, environmental and
financial;
• Structuring the proposed
investment to meet the needs
of the project and ensuring the
potential returns reflect the risks
for the Fund;
• Preparing the investment paper for
the Investment Committee.
Once selected and the necessary legal
due diligence is completed assistance
will be given with shareholders
agreements, service contracts etc with
a view to minimising transaction costs
for the Fund by streamlining such
procedures. On an ongoing basis each
project will be subject to a rigorous
ongoing monitoring programme,
carried out on behalf of the Fund by a
team from BECP who will be experts in
the relevant field. This will include:
• Ongoing monitoring services on
all investments through a stringent
review of monthly management
information and periodic visits;
• Technical and/or mentoring
support, as required, to improve
the performance of investee
companies and in particular where
innovation is at the heart of the
project or business;
• Regular investment summaries and
commentary to ensure the Fund
criteria continue to met thereby
ensuring the investment process
remains dynamic and appropriate.

9. DESIGN
Portfolio
Focus Structured Solutions
Logo and brand identity design
FTSE® 4 Quarterly Income Plan
June 2014
capital-at-risk
STRUCTURED SOLUTIONSSTRUCTURED SOLUTIONS
www.focus-ss.com
FTSE® 4 Quarterly Income Plan | JUNE 2014 | PAGE 4 www.focus-ss.com | PAGE 5
If Credit Suisse AG fail to meet their obligations to pay to us the
amount due from the Securities and you lose the money you
invest in the Plan or any income payments to which you would
otherwise have become entitled, you will not, for this reason
alone, be entitled to compensation from the Financial Services
Compensation Scheme (FSCS).
Meteor Asset Management Limited and Meteor Investment
Management Limited are covered by the FSCS and you may be
entitled to compensation from the FSCS in the event that we are
declared to be ‘in default’ and you have suffered a loss as a result
of Meteor’s actions or negligence.
We currently use HSBC and Coutts to hold client money.You
may be eligible to make a claim if either bank, or any other bank
we may use in the future, becomes insolvent whilst holding
your money prior to the purchase of the Securities, or pending
payment to you of the amounts received at the maturity or earlier
redemption of the Securities. In this event, the compensation limit
is currently £85,000 per person and this applies to all deposits
you hold with the insolvent bank and any other member of its
group.You would not be covered for any excess amount over the
compensation limit.
Meteor Asset Management Limited and Meteor Investment
Management Limited are covered by the FSCS and you may be
entitled to compensation from the FSCS in the event that we are
declared to be ‘in default’ and you have suffered a loss as a result
of Meteor’s actions or negligence. In this event, the compensation
limit is currently £50,000 per person. If the level of your claim
against us is greater than £50,000 you would not be covered for
the excess.
Many banking groups use several brands, which means the total
deposits within a group will count towards one compensation
limit.You can look up details of banking and savings groups on the
FCA website: http://www.fca.org.uk/consumers/complaints/how-
to-claim-compensation/banking-and-saving/banking-and-savings-
brands
If you have any queries you may wish to contact the FSCS at
10th floor, Beaufort House
15 St. Botolph Street
London EC3A 7QU
Telephone 0800 678 1100 or 020 7741 4100.
The FSCS website suggests that calling FSCS is the quickest way to
have your query resolved.
Compensation arrangements
FTSE® 4 Quarterly Income Plan | JUNE 2014 | PAGE 4 www.focus-ss.com | PAGE 5
About Credit Suisse AG
The security of your investment depends on the creditworthiness
of Credit Suisse. It is possible that Credit Suisse could collapse or
fail to make payments due from the Plan. If this happened you
would lose some or all of your original capital as well as any growth
payments to which you might otherwise have become entitled.
One of the factors we take into account when selecting a
counterparty is its long term credit ratings.These are the
opinions of a range of credit rating agencies regarding the long
term security of the counterparty.
A high rating from one or more of the credit rating agencies
is not however a guarantee that Credit Suisse will meet its
obligation to pay the amount due from the Plan.
Fitch, Moody’s and Standard & Poor’s are independent ratings
agencies that research and grade the ability of financial and other
institutions to make the payments due from the securities issued
and/or guaranteed by them.
By way of example, Standard & Poor’s highest possible rating is
AAA, followed by AA and A.These three ratings along with their
BBB rating are generally regarded as investment grade (i.e. of higher
quality).All of these ratings, except the AAA rating, can also be
modified by a plus or a minus to give a counterparty’s relative status
within the grade; for example,A+,A,A- for the A rating. Ratings from
BB downwards are provided in respect of other securities.
A rating outlook assesses the potential direction of a long-term
credit rating.The term considered varies between credit rating
agencies; Fitch looks at a 12 to 24 month period, Standard &
Poor’s a 6 to 24 month period, while Moody’s says its outlooks
are ‘over the medium term’. In determining a rating outlook,
consideration is given to any changes in the economic and
fundamental business conditions.An outlook is not necessarily a
precursor of a rating change or future creditwatch action.
ll Positive means that a rating may be raised.
ll Negative means that a rating may be lowered.
ll Stable means that a rating is not likely to change.
ll Developing means a rating may be raised or lowered.
All references to the credit rating are correct as at the date of
this Brochure. Credit ratings are subject to change during the
offer period and during the term of the Plan.
Ongoing information about the ratings of Credit Suisse is available
on the Meteor website and, if you have invested via a Meteor
Account, we will, where appropriate, include information relating to
credit ratings in your periodic valuation statements.
Please refer to your financial adviser if you have any queries
regarding credit ratings.
Selection of a Counterparty
The Notes in which your Plan invests are issued by Credit Suisse
AG, acting through its London Branch. Credit Suisse AG is one of
the world’s leading financial services providers and is a subsidiary
of Credit Suisse Group AG.
As an integrated bank, Credit Suisse Group AG offers clients its
combined expertise in the areas of private banking, investment
banking and asset management. Credit Suisse Group AG provides
corporate advisory services, comprehensive solutions and innovative
products to companies, institutional clients and high-net-worth
private clients globally, as well as to retail clients in Switzerland.
Credit Suisse Group AG is headquartered in Zurich and operates
in 50 countries worldwide.The registered shares of Credit Suisse
are listed in Switzerland and, in the form of American Depositary
Shares, in NewYork. Further information about Credit Suisse
Group AG can be found at www.credit-suisse.com.
Additional information relating to Credit Suisse Group AG credit
ratings is available by accessing the following website:
www.credit-suisse.com/investors/en/ratings.jsp.
Source: Credit Suisse, 22 April 2014
LongTerm Credit ratings and Outlook for Credit Suisse AG
Agency Rating Date of Last Change Outlook Date outlook effective
Fitch A 15/12/2011 Stable 15/12/2011
Moody’s A1 21/06/2012 Stable 21/06/2012
Standard & Poor’s A 02/07/2013 Stable 02/07/2013
Source: Bloomberg, 22 April 2014
FTSE® 4 Quarterly Income Plan June 2014
STRUCTURED SOLUTIONS
Account Application (for Trustees, Companies and Partnerships)
6.Adviser Charges
Initial Adviser Charge – the amount of any charge will be confirmed in the Plan Selection table below.
Please tick if the payments will be subject toVAT
7. Investment (minimum £5,000)
Please complete the plan details below, indicating the investment type, adviser charging and amount.
Plan/Plan Code Investment Amount £ Initial Adviser Charge % or £
FTSE® 4 Quarterly Income Plan June 2014
Your account must have cleared funds of this amount before any plan orders are executed.
TotalAmount: £
Have you received financial advice?
Yes, I/we have received advice from (name of firm)
No, I/we haven’t received financial advice.
8. Please answer the questions below.
1. Please indicate if you hold any of the following investments:
Bank deposits Unit trusts/investment trusts Direct equity investment other
2. Please indicate if you have ever held:
Any investment where the capital and income payments are variable and are based on the performance
of the underlying securities, such as equities, commodities, indices or corporate bonds. Yes No
A structured product (a fixed term investment such as the one you are applying for). Yes No
3. Do you have the capacity and willingness to accept the risks of the investment, including any risk to capital? Yes No
4 Do you understand that the amount of any growth, income or interest payments will depend on the
performance of your chosen Plan(s) and that in the event of adverse market conditions you may
not receive any growth, income or interest payments? Yes No
5. Do you understand how the return of capital at maturity is calculated and that, depending on the
Plan terms,the amount you receive may be less than the amount of your original investment or deposit? Yes No
6. Do you understand that the Plan is designed to be held for the full investment term and if you were
to cash in early the amount you receive would depend on the value of the securities or deposit at the date
of sale and that this value could be less than the amount you invested? Yes No
7. Do you understand that if the Issuer were unable to pay the amounts due when the Plan matures,
or on earlier encashment, you may lose some or all, of your investment or deposit as well as any growth,
income or interest payments to which you would otherwise have been entitled? Yes No
8. Do you understand the charges associated with the Plan(s)? Yes No
9. Do you understand the personal tax implications of your investment? Yes No
10. Do you understand the compensation arrangements applicable to the Plan(s)? Yes No
Payments
Please make your cheque payable to Meteor Investment Management Limited ClientAccount.If you are sending us a building society cheque it should
include your name in brackets on the payee line.Please send completed cheque and application form to MeteorAsset Management Limited,55 KingWilliam
Street,London EC4R 9AD.
If you send money by bank transfer, the details you require are:
Meteor Investment Management Limited Client Account
HSBC Bank plc
IBAN: GB86MIDL40271593666182
Sort Code: 40-27-15
Account Number: 93666182.
Please indicate total amount
£
Please indicate method of payment:
Cheque Electronic payment
FTSE® 4 Quarterly Income Plan June 2014
STRUCTURED SOLUTIONS
9.Authorised Signatures
The exercise of any options under theTerms and Conditions must be authorised by the requisite number of authorised signatories or, where a
number is not stipulated, by at least one authorised signature. Please provide the names and sample signatures of all those who will be Authorised
Signatories. If you require more than five, please continue on a separate sheet of paper.Where there is any change to the Authorised Signatories,
please notify Meteor in writing giving the date of the change (Meteor will be entitled to rely on the previous list until it is informed to the contrary).
Signed: Name: Date:
Signed: Name: Date:
Signed: Name: Date:
Signed: Name: Date:
Signed: Name: Date:
10. Declaration
I/we declare that I/we:
ll I have carefully read the Plan brochure including any applicableTerms and Conditions for the Plan and accept the terms under which the Plan
will be managed
ll apply asTrustees/Authorised Parties for an Account to be opened in accordance with Meteor standardTerms and Conditions
ll apply asTrustees/Authorised Parties for the product(s) listed overleaf
ll have carefully read the literature including any applicableTerms and Conditions for each of the products and accept the terms under which the
Plan(s) will be managed.
ll have completed this form to the best of my/our knowledge and belief and the information given in the application, whether in handwriting or
not, is true and complete
ll am/are not, or acting on the behalf of, a resident of the United States; and that I/we will not assist any person who is so resident.
ll agree to inform Meteor immediately should I/we become a resident(s) of the United States.
ll will inform Meteor without delay of any change in my/our circumstances affecting any of the information in this form.
I/we confirm that:
ll my/our powers of investment, and delegation of those powers, permit me/us to invest the assets or part of them not less than the part which
I/we propose to invest, in the Plan(s) to be applied for.
ll I/we understand and agree that any investments in the product(s) will be allocated in accordance with my/our instructions to Meteor.
ll I/we recognise that if I/we have received financial advice, my/our financial adviser is not acting as agent to the Issuer or its affiliates.
ll I/we have agreed the amount of any Adviser Charge for these investments as shown overleaf and note that the agreed terms will be confirmed
to me by Meteor on acceptance of such Instruction;
ll I/we will agree the amount of any Adviser Charge with my adviser at the time of any subsequent investment and understand that the agreed
terms will be detailed in each Product Application form sent to Meteor and confirmed to me by Meteor on acceptance of such Instruction.
I/we understand that:
ll Meteor does not provide investment advice and confirm that I/we either do not require such advice or have received advice on this investment
from a financial adviser as shown above
I/we authorise Meteor:
ll to hold my/our cash subscription, Direct investments, interest, dividends and other rights or proceeds in respect of those investments and any
cash or other proceeds
Signature:
Name:
Signature:
Name:
Date:
Note: If you have filled in and signed this application form, please return it or send it to Meteor Asset Management Limited,
55 King William Street, London EC4R 9AD or back to your financial adviser to submit the form.
Account Application (for Trustees, Companies and Partnerships)

10. DESIGN
Portfolio
Focus Structured Solutions
Website layout design
STRUCTURED SOLUTIONS
Logout
Research Driven Investment Solutions
In Association with
Home NewsProducts About ContactResearch & Education
Focus Structured Solutions
Focus Structured Solutions, and its CII
accredited team, have been carefully
selected in order to introduce the Focus
range of Structured Investments.
The Focus range has been developed
to deliver both timely and relevant
Investment Solutions for the IFA
Intermediary and Institutional
marketplace.
Our Investment Banking partners
research Global Stock Markets, in order
to deliver cogent investment strategies
with various risk/reward profiles.
Focus Structured Solutions also create
many bespoke vehicles for our IFA and
Institutional clients, creating tailor made
solutions for a multitude of Investment
strategies.
Research is at the heart of the Focus
Structured Solutions product design,
utilising our Investment Banking partners
and their vast research capabilities.This
research, and constant study of market
conditions, provides us with the ability
to choose asset classes that can deliver
exceptional investment returns and
specifically match client requirements.
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solorae platibus deles quos et, cusa
volest volenim agnitae sit explibea
de volorporia consequia enti audipit
ma consed quidi ommo omnis
ped esto totatempores unt fugias
et provid ma con remporibus quo
voluptat ullecepudae dolorec turepud
animporuntur alici dolessi maximus
earum in plaborro magnienis maios
FOCUS Multi Deposit Kickout – Issue 1
FOCUS Dual Index Kickout – Issue 1
FOCUSTriple Index Income Plan – Issue 1
Ectatis doluptame nostem resciis esciis
volorec totatem nat venempo ratinis
maximin tincta nobit a con pa nonem
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culpa erchil moluptus doluptaquis
dolorer orecest otatur, sum, siminve
Market Research
Latest News
Current Products
Twitter | Follow Racing Green
No1 Cornhill,The City, London, EC3V 3ND info@focus-ss.com www.focus-ss.com
Racing Green Investment Services Limited is an Appointed Representative of Meteor Asset Management Limited, which is authorised and regulated by the Financial Conduct Authority.
Website Design by WeCreate, Reading.

11. DESIGN
Portfolio
StartPoint Investments
Brand re-design
Dual Option Kick Out Plan
September / October 2014
capital-at-risk
Securities for this Plan are issued by BNP Paribas Arbitrage Issuance B.V.,
which is a wholly-owned subsidiary of BNP Paribas
STARTPOINT INVESTMENTS
ii
STARTPOINT INVESTMENTS DUAL OPTION KICK OUT PLAN | SEPTEMBER / OCTOBER 2014
iii
Contents
This Brochure explains the features of the Plan.Please ensure that
you read this document fully,including theTerms and Conditions
prior to making an investment.Meteor does not provide financial
advice.We recommend that you talk to a financial adviser,who
will be able to help you assess whether the Plan is suitable for you.
You should conduct such independent investigation and analysis
of the tax treatment of an investment as you feel appropriate,to
evaluate the merits and risks of an investment in the Plan.The
information on taxation contained in the Brochure is based on our
understanding of rates of tax,current legislation,regulations and
practice,which are likely to change in the future and which may be
applied retrospectively.
StartPoint Investments is a trading name of Meteor Asset
Management Limited.All intellectual property rights in this brand
are used by Meteor Asset Management Limited under licence from
SIP Nordic UK Limited.
www.startpointinvestments.co.uk
Dual Option Kick Out Plan Sept / Oct 2014
A quick review 1
Key Dates 2
Key Risks 2
How the Plan works 3
Option 1 - FTSE 100 Index 3
Option 2 - EURO STOXX 50 Index 3
Compensation arrangements 4
Counterparty Risk 5
Capital Return 6
Investment Return 7
Option 1 - FTSE 100 Index 7
Option 2 - EURO STOXX 50 Index 7
The Indices 8
Simulated Historical Performance 9
Option 1 - FTSE 100 Index 9
Option 2 - EURO STOXX 50 Index 10
Taxation 12
Charges 12
About BNP Paribas 13
About Meteor 13
About SIP Nordic 13
Risks 14
Capital-at-risk products 16
Investing 17
Anti-money laundering regulations 18
Frequently asked questions 19
Is this Plan right for me? 22
Terms and Conditions 24
STARTPOINT INVESTMENTS
1
Dual Option Kick Out Plan Sept / Oct 2014
A quick review
ØØ The Dual Option Kick Out Plan September /
October 2014 is a maximum six year and two week
investment.
ØØ The Plan offers two investment options, where
investors can choose whether the returns are linked
to the performance of the FTSE 100 Index or to the
EURO STOXX 50 Index (each an 'Index’, collectively
the 'Indices').
ØØ You can choose to invest in one or both investment
option(s). Please indicate this on the appropriate
application form. Note that if you have chosen to
invest in one, you are not permitted to switch your
investment over to the other after the Start Date.
ØØ If, on any Measurement Date, the closing level of
the relevant Index is at least equal to its Opening
Level the Plan will mature early and make a gross
investment return.
ØØ Option 1 offers a potential gross investment return,
linked to the FTSE 100 Index, of 7.75% of the money
you invest for each complete year that the Plan has
been in force. If the Plan runs until the Maturity Date
and the Final Level of the Index is at least equal to its
Opening Level, the Plan will make a gross investment
return of 46.5% of the money you invest.
ØØ Option 2 offers a potential gross investment return,
linked to the EURO STOXX 50 Index, of 9.5% of the
money you invest for each complete year that the Plan
has been in force. If the Plan runs until the Maturity
Date and the Final Level of the Index is at least
equal to its Opening Level, the Plan will make a gross
investment return of 57% of the money you invest.
ØØ The first Measurement Date will be on 3 November
2016, two years after the Start Date.Thereafter, the
performance of the Indices will be measured annually.
ØØ You will lose some or all of your money if the Final
Level of the relevant Index is below 60% of its
Opening Level.
ØØ In this case, the reduction in the return of your
original investment at the Maturity Date will equal
the same percentage that the Final Level of the
relevant Index is below its Opening Level.
ØØ You could also lose some, or all, of your money
and any investment return to which you would
have otherwise been entitled, in the event that
BNP Paribas Arbitrage Issuance B.V., (the financial
institution that issues the underlying Securities for the
Plan) and/or BNP Paribas, (the Guarantor of BNP
Paribas Arbitrage Issuance B.V.) fail to make payments
due under the Securities.
ØØ It is our understanding that the investment returns
from this Plan will be subject to Capital GainsTax
(see page 12).
ØØ Option 1 ISIN: XS1083621976
ØØ Option 2 ISIN: XS1083622271
ØØ Listing: Luxembourg Stock Exchange
ØØ Available for investment by individual or joint
applicants, stocks and shares NISAs for the 2014/15
tax year, NISA transfers, pension schemes, trustees,
companies and partnerships.
STARTPOINT INVESTMENTS DUAL OPTION KICK OUT PLAN | SEPTEMBER / OCTOBER 2014
2
LAST SUBSCRIPTION DATES:
NISA transfer applications:
17 October 2014
Applications with cheques:
30 October 2014
Applications with bank transfers:
30 October 2014
START DATE:
3 November 2014
OPENING LEVEL:
closing level of the Index on
3 November 2014
FINAL LEVEL:
closing level of the Index on
3 November 2020
MATURITY DATE:
17 November 2020
MEASUREMENT DATES:
3 Nov 2016 3 Nov 2017 5 Nov 2018 4 Nov 2019
Key Dates
Key Risks
Risk to capital and investment returns
ØØ This is a capital-at-risk product and you could lose
some, or all, of the money you invest in the Plan.
ØØ It is possible that an investment return may not be
payable after any of the Measurement Dates and there
may be no investment return at all.
Access to capital
ØØ If your circumstances change and you need to
withdraw from the Plan prior to maturity, the
Securities would have to be sold and you may not
receive back all of the amount you originally invested
in the Plan. In this event, you will also have to pay
an administration charge. Please note that there is
no guarantee that BNP Paribas Arbitrage SNC (the
Calculation Agent of the Securities) will provide
pricing.
ØØ In normal market conditions, it is expected that
the Calculation Agent of the Securities will provide
pricing of the Securities to the Plan Manager for
investors who may require access to their investment
before the Maturity Date. However, there is no
guarantee that you will be able to redeem any
investment before the Maturity Date as the decision
about whether market conditions are normal will be
taken by the Calculation Agent.
Counterparty risk
ØØ You could lose some, or all, of your money and any
investment return to which you would have otherwise
been entitled, in the event that BNP Paribas Arbitrage
Issuance B.V., (the financial institution that issues the
underlying Securities for the Plan) and/or BNP Paribas,
(the Guarantor of BNP Paribas Arbitrage Issuance
B.V.) fail to make payments due under the Securities.
ØØ The actual and perceived ability of the Issuer or the
Guarantor to meet its obligations may affect the
market value of an investment over the term. If the
Issuer or the Guarantor fails to meet its obligations,
you will get back less than is due to you or nothing
at all.
The risks associated with this product are not
limited to those listed above,but these are the key
risks.Further risks are outlined on pages 14 to 16.

12. DESIGN
Portfolio
Marks Barfield Architects
Project brochure design
Priory Grove
3
The UK’s homes are responsible for more
than a quarter of the UK’s emissions of
the main greenhouse gas driving climate
change. New build housing is relatively
simple build to high environmental
standards, the challenge is to make the
existing housing stock energy efficient –
and, in particular, houses in conservation
areas.
London has almost half the total estimated
dwellings in Conservation Areas in the UK,
the house MBA were asked to refurbish
was within Stockwell. Built during the
1840s, this end of terrace home had been
lived by the client for more than 30 yrs.
Our brief was to extend and refurbish
the house to create a home for the 21st
Century designed to the highest possible
environmental standards and low energy
use. The house has now been occupied for
more than two years following the works,
during which time its performance has
been carefully monitored. The figures reveal
that, at 30 CO2 kg/m2/yr, the house uses
half the energy of the average home.
The original, single-fronted house was
made double-fronted, with an additional
floor and a new extension at the back.
This replaced the former one and was
separated from the main house, by a light
slot, which bought natural light deep into
the plan.
The existing Georgian materials and details
were simply replicated, stripping back
ornamentation, to respectfully carry out the
works to the proposed front elevation.
Reclaimed Georgian stock bricks were
sourced to blend the side extension
seamlessly into the original building.
Client:
Private Client
Architect:
Marks Barfield Architects & 3DW Ltd
Structural Engineer:
Sinclair Johnson
M & E / Sustainability Consultant:
Loren Butt
View from the back garden
View from library through to kitchen
8
Stair balustrade detail
Above: view of the kitchen looking through to the hall on the left and the library on the right
Bespoke, oak timber shelvingsliding door detail
8 9
The glass bridge through the light wellView of screen through which air filters Stone louvres to create stack ventilation
Priory Grove 9Priory Grove
marks barfield
architects

13. DESIGN
Portfolio
© Marks Barfield Limited 2013 © Marks Barfield Limited 2013
Project White Marketing Suite
To give the suite greater presence while
reducing its impact on the surrounding
area, we decided that the entire building
should be raised up above ground level
on four supports. Two of these would be
fixed, with another providing the necessary
access via a spiral staircase around a
central circular lift. The fourth, however,
would rise out of a deep basement
containing a counterweighted lifting
system, allowing a section of the building
to be raised some 30 metres above
ground level.
The hydraulic lifting mechanism is driven
by eight 22kW drive motors, equivalent
in total to an energy-efficient family-sized
vehicle.
The design concept derives from a simple
composition, pared-down forms and
sensuous use of high quality materials. The
clean simplicity of the forms concentrates
the relationship between the building, the
viewer and its environment.
Externally the moving element transforms
the villa into a kinetic sculpture creating a
unique spectacle with a gentle landmark
quality. Inside, spectacular views are
slowly unveiled as part of the villa moves
up above surrounding treetops bringing
the landscape, skyline and horizon into
view, creating a unique and memorable
experience.
The moving element will take approximately
five minutes to reach full height and
approximately three minutes to descend.
The lifting mechanism has been designed
with Atelier One and is based on a counter-
weighted system. The column and its
applied load are counter-balanced by
a counter weight arrangement which is
suspended in a cradle and guided within a
central inner steel tube structure.
The scheme for the marketing suite was
granted planning permission, but did not
progress to the construction phase.
Project White at the Chelsea Barracks
MBA won an invited architectural
competition to design a show flat and
marketing suite in the heart of London
for the Chelsea Barracks Residential
redevelopment for Candy & Candy. The
idea that visitors could enter the marketing
suite, which would then be raised up to
provide a view over the entire development,
seemed to be a perfect match of idea and
function.
Planning permission was granted for
the building from Westminster Borough
Council, and the design was developed to
Stage E-F.
Villa Hush Hush grew out of the project for
Candy & Candy and our interest in why it is
that people are so attracted to
seeing the world, and more importantly
their immediate surroundings, from a
high vantage point. Whether a hilltop or a
dedicated attraction, people want to have
a look. Would it be possible, we wondered,
to create the same experience at a
domestic scale?
marks barfield
architects
W: www.marksbarfield.com | T: +44 (0)20 7501 0180 | E: info@marksbarfield.com
Stats
Client Candy & Candy
Architect Marks Barfield Architects
Project Value Confidential
First floor plan for Villa Hush HushSection showing hydraulic lifting mechanism
Interior staircase and lift
Project White Marketing Suite at the Chelsea Barracks
© Marks Barfield Limited 2013
Mirrored facade
Villa Hush Hush
Views from the show flat at different heights & times of the day
Marks Barfield Architects
Flyer design
marks barfield
architects

14. DESIGN
Portfolio
The Elephants RFC
Logo and brand identity design
Est. 2013
Introducing the
Elephants…
The Elephants is an invitational group which
was established in the Summer of 2013,
by several members of the Dukes RFC; a
British Army Infantry Rugby team, whilst on
rugby tour in Australia.With bonds tight
amongst the group after two tours of duty in
Afghanistan - and numerous glorious scrums
- it was pledged that an invitational club
would be formed with the intention to play
a high calibre level of invitational rugby, both
domestically and internationally.
The Indian Elephant was the chosen animal
of the Duke of Wellington’s Regiment and
the name “The Elephants” is symbolic of
the origins of the invitational group. The
Elephants are certainly not exclusively
military, in outlook nor recruitment.
Whilst yet to be household names,
The Elephants boast players who have
represented Premiership clubs,The British
Army and the Combined Services - not
to mention the mighty Dukes – and are
always on the look out for new players and
members.
The Herd’s
Aspirations…
The Elephants have committed to a number
of goals for the upcoming years and will be
looking to recruit both touring members and
players for:
n Bournemouth 7s 2014
n Dubai 7s 2015
n Overseas 7s tournament in 2016
n Shadow the Lions in New Zealand 2017
This particular herd of elephants happen to
be a very social group and enjoy each others
company. We meet twice annually without
fail on the first Saturday in June and the
last Saturday in November. There are also
numerous other social gatherings throughout
the calendar where partners, friends and
guests of the Herd are invited.
The Herd
Mentality…
The Elephants has its genesis in the military
and its fulcrum is rugby. Both of these
institutions have certain honourable core
values and traditions whichThe Elephants
believe strongly in.
It is our firm aspiration and desire thatThe
Elephants should be welcome additions both
on and off the rugby field.
We are delighted and proud to be associated
withThe International Federation of the Red
Cross and Red Crescent Societies (IFRC)
who areThe Elephants’ official charity.
The Elephants regularly donate and fundraise
forThe IFRC who do such sterling work
for people and communities in crisis, both
globally and in the UK. The IFRC is the
largest humanitarian organization in the
world and provide assistance without
discrimination as to nationality, race, religious
beliefs, class or political opinions.
Elephant Jamie Miller with Lewis Moody following the
Classic Lions v ANZAC, July 2013
Members of the Herd in Australia before the Lions v
Australia 1st Test in 2013
The IFRC is the official charity of The Elephants
elephantsRFC@gmail.com @elephantsRFC facebook.com/elephantsRFC
THE TUSKER
Issue 2 | 24 November 2014
PRESIDENT’S FOREWORD: Welcome to the second edition of “The Tusker”. October saw a new first
for the Herd with the inaugural Elephants’ Golf Day – read more about the highs and lows of the first
“Ivory Cup” below. December will be a busy time with the Winter social now on Saturday 13th
December – amend your calendars accordingly! More details will follow from Luke “Enigma” Mason. I
hope all is well and I am giddy with anticipation to see the Herd again on the 13th
.
MILLER CROWNED “KING OF THE
SWINGERS”
Confusion reigned in the inaugural Ivory
Cup. Amidst questionable handicaps and even
more dubious golf swings, Jamie Miller emerged
triumphant. Luke “Sniffer Dog” Mason was in the
running for the prestigious prize but after a tip off
from one of his fellow players, his claim to have
used the same ball the whole way round the
course was called into question and he now faces
a stewards’ inquiry.
Played at the beautiful Silvermere course in Surrey,
the lakes at the club were the testing ground for
Barnes Wallis’ bouncing bomb prototype. The
President selflessly used several of his own golf
balls to show the Herd how the physics worked in
reality off the 17th
tee.
Notable mentions for D. Brennan for his exquisite
iron play and R. Sharp for attempting to look like a
member of the cast of Snatch. Sharp simply
refused to use anything other than a driver – even
to putt.
An excellent day all round has laid the foundations
for many more Ivory Cups to come. The day also
saw the formal introduction of our latest Elephant,
Teddy Burrell. More welcome for his patter and
sartorial elegance than his driving game.
TIME RUNNING OUT TO GET YOUR BLAZER
Don’t be caught sartorially embarrassed at the
Winter Social. Get fitted for your snappy blazer by
Liz Grimes. Call now on 01753 892655 or email at
fittings@idbespoke.co.uk to make your
appointment!
MEMBERSHIP UPDATE
Membership is still being processed for I. Hodge,
M. Smith, J. McNaught and D. Roberts.
T. Burrell has stepped up and processed his
application in double quick time – well done Sir!
NEW TIES IN STOCK
Our bespoke ties are in, and very good they look
too. Get yours at the Winter social!
DIARY DATES
13 DEC 14: Winter Social
DATE TBC: A Meeting of the Herd (AMH) will be
set for early 2015 to allow the Herd to decide the
direction and the focus for 2015. A date will be
published imminently.
Current Associates
We are pleased to announce that Akuma
are the current providers of match kit and
merchandise toThe Elephants and we
would like to thank them for their continued
support.
The Elephants
Images © Akuma
elephantsRFC@gmail.com
elephantsRFC
@elephantsRFC
Contact Details:
We would be delighted to hear from you or
you can “follow the herd” using facebook or
twitter.
Est. 2013
Est. 2013

15. DESIGN
Portfolio
Christmas
PARTY
Private Client
InvitationsChristmas
PARTY
Date Time
Place
Please RSVP to:
The Chambers 01296 696 689
Jane 07789 866 614
Martin 07879 432 038
Client Name XXXXX XXX XXX
Client Name XXXXX XXX XXX
Client Name XXXXX XXX XXX

16. DESIGN
Portfolio
Aunty Margot is 80!Aunty Margot is 80!
You are invited to
FRIDAY 8TH MAY TO
SUNDAY 10TH MAY
Aunty Margot’s Birthday Weekend
Aunty Margot’s
BIRTHDAY WEEKEND
We anticipate that people may leave after brunch on Sunday but you are
welcome to stay until Monday morning.There will be no mass catering after
Sunday brunch!
RSVP kate.j.avery@btopenworld.com | 01296 436137
Please let us know if you wish to stay atThe Dinney.
For those not staying,please let us know which meals you would like to come to.
Directions for getting toThe Dinney can be found at www.thedinney.co.uk
ITINERARY
FRIDAY FoodandDrinkprovidedatKingfisherCottagefrom
7:00p.m.onwards.
SATURDAY BreakfastatKingfisherCottagefollowedbyadayof
funandjollity.
BirthdayCakeandChampagne(approx5:00p.m.)
CelebratoryDinnerfrom7:00p.m.onwards
SUNDAY BrunchatKingfisherCottage(timedependenton
previousevening’santics)
The celebrations will start on Friday8thMay2015.
We will be staying at TheDinney,Chelmarsh,Bridgnorth,WV166AU
Rooms available from 3pm Friday 8th May until 10:00am Monday 11th May.
Aunty Margot is 80!
Private Client
Invitations