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The bond aims to perform in rising, flat and falling markets while offering 100% capital protection from EFG International AG and Bank of Ireland at maturity after 6 years, 1 month. Every year a potential return is generated by the investment strategy based around 12 energy stocks. The top 9 performing energy stocks are given a return of 8.30% (irrelevant of actual performance). The remaining 3 stocks are given their actual performance. A simple average is taken and that is the annual return.