3DCM is authorised and regulated by the Financial Services Authority

Entering into the 3DCM managed multicurrency mortgage programme could result in your Capital Debt increasing by as much as the Stop Loss Amount which you have selected.

Foreign exchange movements can be sudden and substantial and you must be able to tolerate an increase in your Capital Debt to the level of your Stop Loss Amount.

Effectively denominating a debt in foreign currencies by entering into Effective Debt Redenominations may not be suitable for everyone. If you have any doubts as to your suitability for this product or understanding of the risks involved, you should consult a financial adviser;

Past performance is not a reliable indicator of future results;

If you decide to leave the 3DCM programme, all outstanding Effective Debt Redenominations entered into will be terminated. This may result in a permanent increase in your Capital Debt which is not fully compensated for by any other benefits derived during the course of 3D's discretionary currency debt management services. In this event, you may become liable for UK interest rates on a larger amount of Sterling Capital Debt than the initial Loan.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Due to the fact that there may well be monthly fluctuations the 3DCM programme should always be undertaken on a longer term basis, typically minimum terms of between 3 and 5 years.

Guaranteed Maximum Level of Risk*

If we have expressed your debt into a currency which subsequently strengthens against Sterling this will have the effect of increasing the size of your loan. The amount of this increase is agreed at the outset and 3DCM will guarantee that the maximum level of risk you choose will never be exceeded.

* The Stop Loss is the maximum amount 3DCM will permit the Capital Debt to increase to, expressed as a percentage of the Initial Capital Sum. A £1m facility with a 10% maximum risk profile equates to an exposure of £1.1m