ekn design info

DES IGN

A short introduction to Emma K Norton

DES IGN

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: [email protected]

t: 07736 302 241

w: www.ekndesign.co.uk

a: 34 Weston Road Aston Clinton Aylesbury Bucks HP22 5EGEm

ma

K No

rton

BSc

(Hon

s)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.

[email protected] | 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.

DES IGN 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.


• 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.


• 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)

DES IGN Portfolio

Private ClientsBusiness card designs

JOHN TOVEY

07968 918 [email protected]

JOHN TOVEY

ROBERT J TAYLOR

07872 073 [email protected]/in/robertjtaylor85

Robert J Taylor

DES IGN Portfolio

Incisiv Structured Product ResearchLogo & 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


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


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 in Year 2. If so, it is recorded as a Year 2 early maturity and no further analysis is needed for that cycle. If not, we then check if it would have kicked out in Year 3 and so on through to Year 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 a Year 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 4710 Year 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 Limited55 King William StreetLondon EC4R 9ADTel +44 (0)20 7904 1010Fax +44 (0)20 7283 1355Email [email protected] www.incisiv.com STRUCTURED PRODUCT RESEARCH


6

Summary Statistics TableHistoric 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 times T 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


DES IGN Portfolio

Incisiv Structured Product ResearchWebsite layout design


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 LoseRBS Intl Dual Index Defensive KO May

2013Enhanced 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 FTSE Total 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 FTSE Total 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 BPBilitonGlaxoHSBCVodafone

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 FTSE100S&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 FTSE Total 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 BPBilitonGlaxoHSBCVodafone

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 FTSE Total Return

8.6% 20.5% 6.0 6.5 0.42 11.8

DES IGN Portfolio

Meteor Asset ManagementBrand re-design

www.meteoram.com

FTSE® / STOXX Accumulator Deposit PlanJuly 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 applicationsn Cash ISAs or New ISAs (NISAs) in respect of the 2014/15 tax yearn ISA/NISA transfersn Pension schemesn Trustees, companies and partnershipsn Investment via an Offshore BondThis 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.


Key Dates

Closing date for Plan subscriptions

n ISA/NISA transfer applications 17 July 2014n Applications with cheques 24 July 2014n 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.


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

DES IGN Portfolio

Meteor Asset ManagementBrochure 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 OpportunityOf 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

SOCIAL

Profit

Cost Saving

Research & Development

Economic Growth

Natural Resource Use

Environmental Management

Pollution Prevention (air, water, land, waste)

SOCIAL ENVIRONMENTALEnvironmental Justice

Natural Resources Stewardship

Locally & Globally

ENVIRONMENTAL ECONOMICEnergy Efficiency

Subsidies / Incentives for use of Natural Resources

ECONOMIC SOCIALBusiness Ethics

Fair Trade

World’s Rights

Standard of living

Equal Opportunity

Education

Community

SUSTAINABILITY

Page 3

The SolutionAt 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.

DES IGN Portfolio

Focus Structured Solutions Logo and brand identity design

FTSE® 4 Quarterly Income PlanJune 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 New York. 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

Long Term 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 2014STRUCTURED SOLUTIONSAccount 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 to VAT

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.

Total Amount: £

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 Client Account. 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 Meteor Asset Management Limited, 55 King William 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 2014STRUCTURED SOLUTIONS

9. Authorised Signatures

The exercise of any options under the Terms 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 applicable Terms and Conditions for the Plan and accept the terms under which the Plan

will be managed

ll apply as Trustees/Authorised Parties for an Account to be opened in accordance with Meteor standard Terms and Conditions

ll apply as Trustees/Authorised Parties for the product(s) listed overleaf

ll have carefully read the literature including any applicable Terms 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)

DES IGN 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.

Adipsuntibus rerupta plitatur acerum 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

FOCUS Triple Index Income Plan – Issue 1

Ectatis doluptame nostem resciis esciis volorec totatem nat venempo ratinis maximin tincta nobit a con pa nonem Ehendignatur? Quid magnia deliatenime 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 [email protected] 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.

DES IGN Portfolio

StartPoint InvestmentsBrand 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 INVESTMENTSii

STARTPOINT INVESTMENTS DUAL OPTION KICK OUT PLAN | SEPTEMBER / OCTOBER 2014iii

Contents

This Brochure explains the features of the Plan. Please ensure that you read this document fully, including the Terms 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



The Indices 8

Simulated Historical Performance 9



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 INVESTMENTS1

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 Gains Tax (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 20142

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.

DES IGN Portfolio

Marks Barfield ArchitectsProject 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 barfieldarchitects

DES IGN Portfolio

© Marks Barfield Limited 2013 © Marks Barfield Limited 2013

Project White Marketing SuiteTo 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 toseeing 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?


W: www.marksbarfield.com | T: +44 (0)20 7501 0180 | E: [email protected]

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 ArchitectsFlyer design


DES IGN Portfolio

The Elephants RFCLogo 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 which The Elephants believe strongly in. It is our firm aspiration and desire that The Elephants should be welcome additions both on and off the rugby field.

We are delighted and proud to be associated with The International Federation of the Red Cross and Red Crescent Societies (IFRC) who are The Elephants’ official charity.

The Elephants regularly donate and fundraise for The 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

[email protected] @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 [email protected] 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 AssociatesWe are pleased to announce that Akuma are the current providers of match kit and merchandise to The Elephants and we would like to thank them for their continued support.

The Elephants

Images © Akuma

[email protected]

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

DES IGN Portfolio

ChristmasPARTY

Private ClientInvitationsChristmas

PARTY

Date Time

Place

Please RSVP to:

The Chambers 01296 696 689Jane 07789 866 614Mar tin 07879 432 038

Client Name XXXXX XXX XXXClient Name XXXXX XXX XXXClient Name XXXXX XXX XXX

DES IGN Portfolio

Aunty Margot is 80!

You are invited to

FRIDAY 8TH MAY TO SUNDAY 10TH MAY

Aunty Margot’s Birthday Weekend

Aunty Margot’sBIRTHDAY 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 [email protected] | 01296 436137

Please let us know if you wish to stay at The Dinney.For those not staying, please let us know which meals you would like to come to.

Directions for getting to The Dinney can be found at www.thedinney.co.uk

ITINERARYFRIDAY �Food�and�Drink�provided�at�Kingfisher�Cottage�from�

7:00�p.m.�onwards.

SATURDAY� �Breakfast�at�Kingfisher�Cottage�followed�by�a�day�of�fun�and�jollity.�

� Birthday�Cake�and�Champagne�(approx�5:00�p.m.)

� Celebratory�Dinner�from�7:00�p.m.�onwards�

SUNDAY� �Brunch�at�Kingfisher�Cottage�(time�dependent�on�previous�evening’s�antics)

The celebrations will start on Friday�8th�May�2015.We will be staying at The�Dinney,�Chelmarsh,�Bridgnorth,�WV16�6AU

Rooms available from 3pm Friday 8th May until 10:00am Monday 11th May.

Aunty Margot is 80!Private Client

Invitations