Client: West Bromwich Building Society

Dear Mr Prospect

• A potential 24% return on your savings over 3 years;

• Without having to invest a single penny in stocks and shares;

• And our guarantee that you’ll get back every penny of your original investment.

Sounds too good to be true? Well I can assure you that it isn’t. But you’ll have to be quick! In fact, you’ll need to send us your application and your cheque ASAP but no later than 27 July XXXX.

The Premier Trigger Bond

When you invest in this new bond, you’re not risking your capital because we guarantee that we’ll give you back your original investment – in other words, getting your money back is the worst that can happen. The best that can happen, is that for every £1,000 you invest in the bond, you’ll receive £240.00 – a return of 24% over the term of the investment (between the initial index level and the maturity index level).

How the bond works:

Your investment is linked to the performance of the FTSE 100 Index . The FTSE 100 comprises one hundred of the largest companies listed on the London Stock Exchange – ‘household name’ businesses such as Barclays Bank, Marks & Spencer and Tesco.

Providing the FTSE 100 is no lower at the end of your investment (31 July 200X) than it was at the beginning (1 August 200X) you’ll receive a 24% return on your investment plus all your original investment back; it doesn’t matter whether the index stays the same, rises by one point or even one thousand points, your return is fixed at 24%. On the other hand, if the FTSE 100 is lower than it was at the start of your investment, all you’ll get back is the sum you originally invested, in other words, you’ll have lost none of your capital.

But please don’t wait too long to take up this offer

The Premier Trigger Bond is available on a first-come, first-served basis. So please complete the application form enclosed and mail it back to us with your cheque by 27 July XXXX at the latest. Please keep in mind that we cannot guarantee that your application will be accepted, as once the bond is fully subscribed, any outstanding applications will be returned.

Assuming your application is successful, and once it has been processed, your funds will earn interest during the offer period, at the prevailing Bank Base Rate of X.XX% gross per annum. That interest will be added to your capital to be invested on the bond’s issue date of 1 August XXXX.

If you need any further assistance, please visit your local branch or call our Investment Services team on 0845 XXX XXXX

Yours sincerely,

A N Other