Please re­mem­ber that past per­for­mance may not be re­peated and is not a guide for fu­ture per­for­mance. The value of shares and the in­come from them can go down as well as up as a re­sult of mar­ket and cur­rency fluc­tu­a­tions. You may not get back the amount you in­vest. The Scot­tish In­vest­ment Trust PLC has a long-term pol­icy of bor­row­ing money to in­vest in eq­ui­ties in the ex­pec­ta­tion that this will im­prove re­turns for share­hold­ers. How­ever, should markets fall th­ese bor­row­ings would mag­nify any losses on th­ese in­vest­ments. This may mean you get back noth­ing at all. In­vest­ment trusts are listed on the Lon­don Stock Ex­change and are not au­tho­rised or reg­u­lated by the Fi­nan­cial Con­duct Au­thor­ity. Please note that SIT Sav­ings Ltd is not au­tho­rised to pro­vide ad­vice to in­di­vid­ual in­vestors and noth­ing in this ar­ti­cle should be con­sid­ered to be or re­lied upon as con­sti­tut­ing in­vest­ment ad­vice. If you are un­sure about the suit­abil­ity of an in­vest­ment, you should con­tact your fi­nan­cial ad­vi­sor. Is­sued and ap­proved by SIT Sav­ings Ltd, reg­is­tered in Scot­land No: SC91859, reg­is­tered of­fice: 6 Al­byn Place, Ed­in­burgh, EH2 4NL. Au­tho­rised and reg­u­lated by the Fi­nan­cial Con­duct Au­thor­ity.

Tele­phone: 0131 225 7781 | Email: info@thescot­tish.co.uk | Web­site: www.thescot­tish.co.uk

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