The bond aims to perform in rising, flat and falling markets while offering 100% capital protection from EFG International AG and Bank of Ireland. 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 9% (irrelevant of actual performance). The remaining 3 stocks are given their actual performance. A simple average is taken and that is the annual return. There are 2 options; the Income Option pays annual returns out at the end of the year. The Roll-Up Option will ‘roll up’ the returns and are paid in full at maturity after 5 years, 1 month.