Rocha Brava, The Algarve, Portugal
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Situated approximately three miles from the seaside town of Carvoeiro, in the centre of the Algarve, Rocha Brava is a large and mature holiday development benefiting from a raft of facilities and amenities.

The ancient Moorish capital of Silves boasts a fine historic castle. Further north, the Monchique mountains offer a panoramic view of the Algarve on a clear day. On the way down, you could try a gastronomic treat - chicken piri-piri washed down with local wine.

Lagos is a historic port, once the home base of Henry the Navigator and other seafarers; together with Sagres, it is redolent of Portugal's pioneering past. Cape St. Vincent is the most south-westerly point of Europe - known to the locals as 'the end of the world'.

Rocha Brava is just one of 30 glorious UK and European locations that you and your family could enjoy - rent free for life - as investors in the Holiday Property Bond.

The Further Information below explains in detail how the Bond works. To find out more about Rocha Brava, the other 29 locations - and how the Holiday Property Bond could transform your holidays forever - visit www.hpb.co.uk.

Or FREEPHONE (UK only) 0800 230 0391.

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Further Information

How the Holiday Property Bond works - and how to make it work for you

The Bond is a life assurance bond investing, after initial charges, in properties and securities. Properties are booked for a no profit 'user charge' and Points issued with the Bond. There is a quarterly fee of around twenty-five pounds including VAT linked to RPI, with all other management fees paid from securities. Investment is from £4,000. Encashment may be made under the terms of the 'Holiday Satisfaction Guaranteed' offer. Otherwise you may encash after two years at a value linked to that of the properties and securities but you may not see a profit and may incur a loss because of initial charges and fluctuations in asset values. In exceptional circumstances encashment may be deferred for up to twelve months. No medical examination required.

As a Holiday Property Bondholder, your interests are further protected by:

HSBC Trustee (Guernsey) Limited - to whom all cheques are made payable, and who control all the fund's assets.

Financial Services Regulation - In the sale of Holiday Property Bond we are authorised and regulated by the Financial Services Authority. We and our representatives have to comply with all prevailing consumer protection legislation and the highest professional standards.

The Holiday Property Bondholders' Committee - a democratically elected 'watchdog', which oversees the manager's activities, from location selection to resolution of holiday complaints.

A 30 day 'cooling off period' - your right to change your mind without penalty, as required by law.

Unique holiday satisfaction guaranteed offer

The people behind the Bond

This advertisement is issued by HPB Management Limited ('HPBM') of HPB House, Newmarket, Suffolk CB8 8EH. HPBM are authorised and regulated by the Financial Services Authority and are the main UK agent for Holiday Property Bond ('HPB'), issued by HPB Assurance Limited (‘HPBA’) registered in the Isle of Man and authorised by the Insurance and Pensions Authority there. Holders of policies issued by the company will not be protected by the Financial Services Compensation Scheme if the company becomes unable to meet its liabilities to them but Isle of Man compensation arrangements apply to new policies.

The Trustee of HPB is HSBC Trustee (Guernsey) Limited registered at Park Place, Park Street, St Peter Port, Guernsey GY1 1EE. The Securities Manager is Morgan Stanley Private Wealth Management Limited registered at 25 Cabot Square, Canary Wharf, London E14 4QA. The Property Manager is HPB Management (International) Limited ('HPBMI') registered at Ground Floor, Neptune House, Marina Bay, PO Box 67, Gibraltar.

HPBM, HPBA and HPBMI are part of the HPB Marketing Group and are not independent of each other. HPBM is able to advise only on HPBA's products.

HPB Management Ltd. Registered in England, No.1581593. Registered Office HPB House, Newmarket, Suffolk, CB8 8EH.