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THE LIFE Association of Scotland has launched a five-year guaranteed equity bond that promises a full refund of premiums if there is no increase in the FT-SE 100 Index. If the FT-SE rises, the bond will give a return equal to 95 per cent of the original net investment and 120 per cent of the growth on the net investment. Minimum investment is pounds 5,000. The bond is available between 21 April and 26 May.