Whether it is because of Building Society changes or the privatisation of the once state owned utilities, it is far more common for people to own shares than it was just twenty years ago. The introduction of Internet share dealing brings share ownership another step nearer to us all, as it allows individual investors to buy and sell shares quicker and more cheaply than ever before.

The value of shares and the income from them cannot be guaranteed to rise.

People, who invested in quoted company shares, saw their money grow faster than would have been the case had it been invested in Bank or Building Society deposits, although their money was not as secure as it would have been in a bank or building society deposit account and they were not certain to make a profit and could have made a loss. Past performance is not a guide to future performance.

Arranging the sale or purchase of company shares requires a level of Financial Regulation not normally required by us. Therefore to assist our clients in regards to share dealing we usually introduce them to an organisation that specialises in share dealing. This organisation is Regulated by the FSA is registered with the London Stock Exchange and normally arrange for share deals to be completed on an 'execution only' basis. This means no advice on the suitability of any particular share transaction will be offered to you.

Please note:

• The value of investments and income from them can fluctuate (this may partially be the result of exchange rate fluctuations) and investors might not get back the full amount invested.

• Past performance is not a guide to future performance.