The Fluid bond differs from some other non-listed mini-bonds in two main ways. First, the investment comes with an offered interest rate of 6% per annum fixed for the three years in which the bonds are held. Second, It can be held through an Innovative Finance ISA (IFISA) and delivers interest payments on a quarterly basis – in contrast to most ISAs that work annually. Here’s a breakdown of what you could earn: The Fluid Bond £1,800 Interest Rate 6% Annual Management Charge (AMC) 0% Interest Payments Every Quarter *Quarterly interest payments calculated at 6% per annum on investment amount. Financial estimates subject to change. While returns above are based on the terms of the bond these illustrations are forecasts and are not a reliable indicator of future performance. £3,600 £5,400 £11,800 £23,600 £35,400 £10,000 £20,000 £30,000 RANKING INTEREST TOTAL RETURN 6% annual returns over three years Term: Three Years Total Return: 18 % Minimum Investment Only: £2,000 10 11