ST. JAMES S PLACE UNIT TRUST GROUP
|
|
- Magdalene Jenkins
- 8 years ago
- Views:
Transcription
1 ST. JAMES S PLACE UNIT TRUST GROUP SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH
2
3 This document sets out terms and conditions which summarise how we will manage your investment. Words written in bold are defined terms. The meanings of these terms are set out in section 9. The full terms and conditions for the unit trusts are set out in the Prospectus, which is available on request from your St. James s Place Partner or our Administration Centre. The Prospectus, together with the declarations you made when you invested, forms the contract between you and us in relation to the unit trusts. If you are investing through an Individual Savings Account (ISA), including through a Junior ISA, we, St. James s Place, will also manage your ISA on the terms and conditions set out below and in the declarations you made when you invested. Provided we accept your application, the contract will start as soon as possible after we receive your investment and any other information we require at our Administration Centre. For this purpose, where payment is to be made by direct debit mandate, we will assume that payment is received on the date the first payment is due. Where the term ISA is used in these terms and conditions, this also includes Junior ISAs. For Junior ISAs, references to you and your in these terms and conditions refer to the Registered Contact, unless stated otherwise. However, all Junior ISA investments are held for the beneficial ownership of the Named Child on the Junior ISA. Section 8 of these terms and conditions contains additional conditions that apply only to Junior ISAs. The other sections also apply, except where stated otherwise. Contents 1 Making Investments 3 2 Withdrawing money 5 3 Range of investments 6 4 Communications and complaints 6 5 Parties connected with your account 7 6 Other conditions All investors 8 7 Other conditions ISA investments 9 8 Conditions relating only to Junior ISAs 10 9 Definitions 11 2
4 1 Making investments 1.1 How much can you invest? The minimum initial investment we allow is 1,500, and each additional one-off investment must be at least 1,000. For the Unit Trust Feeder Account, the minimum initial investment is 5,000. You can make regular investments of at least 150 a month (or 1,500 a year) into an ISA or Junior ISA. Any increases to regular investments must be at least 50 a month (or 500 a year). The Government s ISA Regulations permit a child to be the Named Child on only one stocks and shares Junior ISA at any one time. The maximum amount that can be invested into a Junior ISA on behalf of a Named Child in the year commencing 6 April 2012 is 3,600. For ISAs other than Junior ISAs, the Government limits the amount you can invest in your own stocks and shares ISA in each tax year and you are only allowed to own one stocks and shares ISA for any tax year. If you hold unit trusts through an ISA, the maximum amount you can invest in the year commencing 6 April 2012 is 11, How can you invest? If you wish to make regular investments, you must do so by Direct Debit mandate. You may stop making regular investments at any time. No penalty will be applied and the investment will continue, provided at least 500 has been invested. With the exception of Junior ISAs, if less than 500 has been invested, we will cash in your entire holding of units at the appropriate Bid Price and pay you the proceeds. One-off investments may be made at any time, by cheque or telegraphic transfer. If you hold unit trusts within an ISA, any transfer of funds from an existing ISA must be made by cheque or telegraphic transfer; other types of assets cannot be transferred into an ISA or a Junior ISA. With the exception of Junior ISAs, following a transfer, we will only accept payments made by a previous ISA Manager in respect of dividends to which you are entitled if these exceed 100. We will ask your former ISA manager to return all payments of less than 100 to you. 1.3 When will units be allocated? If you make regular investments, we will allocate units in the unit trusts you select as soon as possible after payment is due under the Direct Debit mandate, using the Offer Price on the appropriate day. If you make one-off investments, including transfers, we will allocate units in the unit trusts you select using the Offer Price that applies at the next valuation point after your investment and appropriate instructions are received at our Administration Centre. The unit trusts are normally valued and priced at noon on each business day. 1.4 For Unit Trust Feeder Accounts, when will investments be transferred to your ISA? Each year, on the 16th working day of April, we will cash in the appropriate number of units from the unit trusts you hold directly, up to a maximum of the ISA investment limit set by the Government, and, on the same day, invest the proceeds into unit trusts held within your ISA. If you hold more than one unit trust on the first working day of the tax year, we will, where 3
5 possible, switch units of an equal value out of each trust into the same trust within your ISA. If this is not possible because, for example, there were insufficient units in a particular trust, we would switch all those units across and the balance would be funded by units spread equally in value across the remaining unit trusts. The proceeds will be invested at a discount equal to the initial charge on the relevant unit trusts. If you make additional investments into the Unit Trust Feeder Account later in the tax year, these will not be transferred into your ISA until a later tax year. Switching from a unit trust to an ISA involves selling units on one day and buying them back the same day. The switching of units into your ISA is a disposal for Capital Gains Tax purposes and a liability to Capital Gains Tax may arise. If the Government limits on ISA investments change during a tax year, we may make a further transfer from the unit trusts you hold directly, into your ISA, and will write to tell you if we do so. You can make further investments into the unit trusts held within your ISA by cheque or telegraphic transfer, subject to the limits set by the Government. Other types of assets cannot be transferred into your ISA. The Unit Trust Feeder Account cannot be used to invest into a Junior ISA. 1.5 What are your cancellation rights? You can change your mind and cancel your investment before you receive your documentation or up to 14 days after you receive it. If you decide to do so we will return the lower of the original investment and its current value. The money is invested from the day after we receive your application, the investment and all other documents we need, so if there has been a fall in investment values, the amount returned will be less than the amount invested. Investments into a Junior ISA are gifts to the Named Child, and if the Registered Contact decides not to proceed and cancels the investment, the money will be returned to the Registered Contact even if the investment was made by someone else. If you wish to cancel your investment you should write to us at our Administration Centre. 1.6 If you cancel an ISA investment within the 14 day cancellation period, can you re-subscribe to an ISA in the same tax year? Junior ISAs If you (the Registered Contact) change your mind within the 14 day cancellation period, you can either: Choose to cancel the whole investment. In this case you will be free to re-subscribe to any Junior ISA for the child within the same tax year but you should note that the Government s ISA Regulations permit a child to be the Named Child on only one stocks and shares Junior ISA at any one time. Choose to cancel the investment in one or more unit trusts only. In this case you may resubscribe on behalf of the Named Child in the same tax year, but only to their St. James s Place Junior ISA. Other ISA accounts If you change your mind within the 14 day cancellation period, you can either: Choose to cancel the whole investment. In this case you will be free to re-subscribe to any ISA within the same tax year. 4
6 Choose to cancel the investment in one or more unit trusts only. In this case you may resubscribe in the same tax year, but only to your St. James s Place ISA. 2 Withdrawing money 2.1 Do the unit trusts make distributions of income? When you made your investment, you chose whether to invest in income or accumulation units. If you are invested in income units, we will arrange for any distributions of income from the units held within your investment to be paid to you on the distribution payment dates. If you are invested in accumulation units, the income will be retained within your investment. A Junior ISA is only permitted to invest in accumulation units, so all income will be retained within the Junior ISA. 2.2 How can you withdraw money from your investment? Junior ISAs The Government s ISA Regulations do not permit withdrawals to be made from a Junior ISA before the Named Child s 18 th birthday unless the Named Child is diagnosed with a terminal illness. In that event you should contact our Administration Centre, who will explain how to apply to HM Revenue and Customs for permission to make a withdrawal. Other accounts If you wish to withdraw money from your investment, you should complete an encashment form and send it to our Administration Centre. We will cash in the required number of units using the Bid Price that applies at the next valuation point after we receive your written request and any other documents we require at our Administration Centre. We will issue a cheque for the proceeds within 4 business days after we cash in the units, unless we require additional authorisations to issue the proceeds, in which case we will issue the cheque once we have received those authorisations. In exceptional circumstances, we may temporarily suspend investments, withdrawals and switches on a unit trust, in which case the request will be processed once the suspension is lifted. We will write and tell you if we do this for a unit trust in which you are invested. If a withdrawal request would reduce your holding in a particular unit trust to below the minimum level of 500, we will cash in your entire holding in that unit trust at the appropriate Bid Price and pay you the proceeds. 2.3 If you invest through an ISA, can you transfer the ISA to another provider? You can choose to transfer: The whole of the current year s ISA subscription; or Part or all of one or more previous year s ISA subscriptions to another ISA Manager at any time. If you wish to do this, you should inform your new chosen ISA Manager, who will write to our Administration Centre. We will transfer your ISA within 7 business days of receiving their written request at our Administration Centre. If you wish to transfer part of the ISA, you must specify the name of each unit trust and number of units to be transferred, otherwise there will be a delay in processing your request. If, after a partial transfer, you would hold less than 500 in a unit trust, we will transfer all of your holding in that unit trust. Note that for Junior ISAs, partial transfers can only be made to a cash Junior ISA, since the Government s ISA Regulations permit a child to be the Named Child on only one stocks and shares Junior ISA at any one time. (Full transfers can be made to a cash or stocks and shares Junior ISA.) 5
7 2.4 Are there any circumstances in which we can cash in all or part of your investment? Junior ISAs If the fact that the Named Child holds units in a particular unit trust conflicts with relevant regulations, or their country of residence prohibits them from holding the unit trust, we may ask the Registered Contact to switch the investment to a different unit trust. Further details are available in the Prospectus, which is available on request from your St. James s Place Partner or our Administration Centre. Other accounts If the fact that you hold units in a particular unit trust conflicts with relevant regulations, or your country of residence prohibits you from holding the unit trust, we may cash in the units you hold in that unit trust and pay you their value at Bid Price. Further details are available in the Prospectus, which is available on request from your St. James s Place Partner or our Administration Centre. 3 Range of investments 3.1 What unit trusts are available? Information about each of the unit trusts available can be found in the Key Investor Information Documents, which you should read before making an investment. Key Investor Information Documents and regularly updated Report and Accounts are available in English online at These documents and the Prospectus for the unit trusts are also available on request from our Administration Centre or your St. James s Place Partner. The full range of unit trusts are available for ISA investments, with the exception of the Money Market unit trust. 3.2 Can you switch between unit trusts? You can switch between our unit trusts at any time. However, we can close a unit trust, or a unit class within a unit trust, to switches in and/or new investments, from existing and new investors, at any time. Except where unit trusts are held within an ISA, switches are treated as disposals for Capital Gains Tax purposes and a liability to Capital Gains Tax may arise. The initial charges are included in the entry charges shown in the Key Investor Information Documents. Although, at our discretion, we typically waive the initial charge when switching between unit trusts, please note that, due to the way in which we calculate prices, the difference between the bid and offer prices can be slightly greater than the initial charge. This means that if you switch between unit trusts, the unit price you pay may be slightly higher than the bid price. 3.3 Advice costs The charges set out in the Key Investor Information Documents include the cost of the advice. If you ask us to stop providing you with ongoing advice, we will rebate units into your investment equivalent to the cost of that ongoing advice. Your personalised illustration shows the cost of the advice and how this relates to your investment. 6
8 4 Communications and complaints 4.1 Communications When we write to you, we will use the last known address we hold for you. If you wish to contact us, you should write to our Administration Centre, and should include your ISA reference number, account number or National Insurance Number. For Junior ISAs, until the Named Child reaches age 18, all communications will be sent to you as the Registered Contact, although we will write to the Named Child shortly before they reach the age of 18 to inform them that their Junior ISA will convert into an adult ISA. We only accept instructions in writing, other than instructions to switch between unit trusts, which you may make by telephone or . We will also accept withdrawal requests made by fax, but reserve the right to validate such requests before releasing the investment proceeds. Once you have made an instruction, it cannot be changed, apart from the cancellation rights that apply to new investments, described in section 1.5 above. We will send you a copy of the half-yearly short reports of the unit trusts, and any other information that is generally issued to unit holders. 4.2 Complaints We are regulated by the Financial Services Authority. We intend to provide a first class service to our investors at all times. However, if you are not satisfied, you can make a complaint by contacting us at our Administration Centre, whose address is given in section 9. If you are not satisfied with our response you can complain to: The Financial Ombudsman Service, South Quay Plaza II, 183 Marsh Wall, London E14 9SR; Telephone Complaining to the Ombudsman won t affect your legal rights. 4.3 Compensation The Financial Services Compensation Scheme (FSCS) covers your investment. In the unlikely event that we are unable to meet our obligations to you, you may be entitled to compensation under this scheme. You can ask us for detailed information about the compensation arrangements that would apply to your investment under the FSCS. Further information about the FSCS is available from or by telephoning Parties connected with your investment 5.1 Unit Trust and ISA Manager St. James s Place is both the ISA Manager and the Unit Trust Manager. If we delegate any of our powers and duties to a third party, we will ensure, as far as is possible, that they are competent to carry out those functions and responsibilities. 5.2 Trustee, Auditor and Independent Valuer The Trustee for the St. James s Place unit trusts is BNY Mellon Trust & Depositary (UK) Limited, a company incorporated in England and Wales under the Companies Act The Trustee s registered office and usual place of business is at The Bank of New York Mellon Centre, 160 Queen Victoria Street, London, EC4V 4LA. The ultimate parent company of the Trustee is Bank of New York, a company incorporated in New York, USA. The Auditor of the unit trusts is PricewaterhouseCoopers LLP, of Erskine House, Queen Street, Edinburgh, EH2 4NH. 7
9 The independent valuer for the Property Unit Trust is CB Richard Ellis Limited, St. Martin s Court, 10 Paternoster Row, London, EC4M 7HP. 6 Other Conditions All accounts 6.1 Interest Money is held in a segregated account before it is allocated to units and after a withdrawal or transfer request. We do not pay interest on this money. 6.2 Treatment of unclaimed money If money remains unclaimed in the segregated account described in 6.1, and no investments or withdrawals have been made for a period of at least six years, we will write to you at the last known address we hold for you and offer to return the balance due to you from the segregated account. If you do not respond within 28 days, we reserve the right to stop holding the money in a segregated account. We will keep records of all money treated in this way, and if you later contact us to reclaim the money we will return its value. 6.3 Foreign residents In this section, for Junior ISAs, you refers to the Named Child. Unit trusts that invest more than 15% directly or indirectly in interest paying assets, such as corporate bonds, gilts and cash, are subject to the European Union Savings Directive. This means that if you move to another EU country, we are required to report to the EU tax authorities when distribution payments are made or units are sold in these unit trusts. Further conditions relating to foreign residency for ISA investors are set out in section Law The law and courts of England and Wales will be used to decide any dispute. Nothing in this document or any Key Investor Information or Prospectus document creates rights for anyone apart from the applicant, St. James s Place and, for a Junior ISA, the Registered Contact and Named Child. Where relevant, the Terms and Conditions are also subject to the ISA Regulations and other applicable laws and rules. If there is a conflict between these Terms and Conditions and any such laws, regulations and rules, the laws, regulations or rules will override the Terms and Conditions. 6.5 Right of Refusal If we think that something you ask us to do might not follow the laws, rules or regulations that apply, we can delay taking action or refuse to act. We will not be responsible for any losses, costs, claims or expenses that arise if we delay or refuse to act in these circumstances. Money being transferred into the investment may be held in a separate account whilst we confirm whether or not we can follow your instructions. It will be invested on the date we decide we can follow your instructions. For money being transferred out of the investment, we may withdraw the money in line with your instruction and hold it in a separate account whilst we confirm whether or not we can make payment to you. 8
10 6.6 Stamp Duty Reserve Tax Stamp Duty Reserve Tax (SDRT) charges of up to 0.5% are payable on the value of units which are redeemed by investors and sold on to new investors. This cost is currently met from the assets of the fund. 6.7 Amendments We can amend these Terms and Conditions in order to comply with changes in regulation or to satisfy any other legal or regulatory requirements, by writing to you in advance. If you invest through an ISA, we will notify you if the ISA has, or will, become void as a result of any failure to satisfy relevant regulations. 7 Other Conditions ISA Investments The additional conditions in this section only apply to unit trusts held within an ISA (including Junior ISAs and where investment has been transferred into an ISA through a Unit Trust Feeder Account). 7.1 Ownership and voting rights We will hold units in the ISA on behalf of the Owner. Units will be registered jointly in our name and the name of the Owner on the Unit Trust Register and held for the Owner s beneficial ownership. You must not lend any ISA investments to a third party or use them as security for a loan. You (for a Junior ISA, the Registered Contact) have the right to attend and vote at unit holders meetings. If you invest through a Unit Trust Feeder Account, units in your Unit Trust Feeder Account must be held in your name. 7.2 Tax relief In this section, for Junior ISAs, you refers to the Named Child. On your behalf, we will make claims for any tax relief due in respect of interest-distributing unit trust investments within your ISA. If you are invested in income units, the amount of any tax credit due on income units will be sent to you with your income distribution. (Junior ISAs cannot invest in income units.) If you are invested in accumulation units, the amount of any tax credit will be automatically reinvested into your ISA on your behalf. We will be reimbursed for these amounts when the tax credits are subsequently received from HM Revenue and Customs. If we credit your ISA with a tax credit for which we are not subsequently reimbursed, we will be entitled to reclaim the amount of the tax credit from your ISA, or from you if your ISA has been closed. We will make claims, conduct appeals and agree on your behalf liabilities for, and reliefs from, tax in respect of your ISA. 7.3 Automatic ISA increases For ISAs other than Junior ISAs, if, through regular investments, you invest the maximum amount the Government allowed into your Stocks and Shares ISA each tax year, we will automatically increase your Direct Debit investment amounts accordingly whenever the ISA limit increases. We will always write to you before we do this, and you can cancel or reduce the amount of the increase if you wish to. 9
11 7.4 Foreign residents If you move abroad or cease to be a UK resident for tax purposes you should write and tell us as, under the Government s ISA Regulations, you may not be able to make further investments into your ISA, unless it is a Junior ISA. Under current regulations, the Junior ISA does not need to be closed if the Named Child moves abroad, and investments may continue be made on their behalf. 7.5 Closing an ISA If you wish to close an ISA, you must write to us at our Administration Centre. We will process your request within the timeframes set out in sections 2.2 or 2.3 as appropriate. We can close an ISA by giving you one month s notice in writing. We can close an ISA without giving you written notice if it no longer satisfies relevant regulations or we are required to do so by any applicable regulations. If we close your ISA and it is not a Junior ISA, we will transfer the units from your ISA into a unit trust account in your name, until you give us further instructions. For a Junior ISA we will cash in the investment and pay its value at Bid Price to the Named Child. We will only close a Junior ISA if permitted to do so by HM Revenue & Customs or any successor organisation. An ISA stops being exempt from tax on the date of death of the Owner. We will therefore close the ISA immediately when we are told in writing of the death of the Owner. We will transfer the units from the ISA according to the instructions of the personal representatives of the Owner. These Terms and Conditions will continue, and will apply to the personal representatives. If any tax is reclaimed after death, we are required to pay this to HM Revenue & Customs. 8 Other conditions relating only to Junior ISAs The additional conditions in this section only apply to Junior ISAs. 8.1 Opening a Junior ISA Under the Government s ISA regulations, a Junior ISA may be opened only by: A person with parental responsibility for a child who is eligible to open a Junior ISA and who will be the Named Child on the Junior ISA; or A child aged over 16 who is eligible to open a Junior ISA and who will be the Named Child on the Junior ISA. A child is eligible for a Junior ISA if they: Are aged less than 18; and Were not eligible for a Child Trust Fund (children born before 1 September 2002 or on or after 3 January 2011 were not eligible for Child Trust Funds); and Are resident and ordinarily resident in the UK, a UK Crown servant, a dependant of a UK Crown servant or married to / in a civil partnership with a UK crown servant. 8.2 Registered Contact A Junior ISA must have a Registered Contact. This is the person who may give us instructions regarding the Junior ISA. The Registered Contact will initially be the person who opens the Junior ISA. With our agreement and the consent of the existing Registered Contact, the Registered Contact may subsequently be changed to any person who has parental responsibility for the Named Child. In addition, a Named Child can take over responsibility as the Registered 10
12 Contact when they reach age 16 if they wish to do so. If you wish to change the Registered Contact, you should contact our Administration Centre. Any person becoming the Registered Contact must agree to these terms and conditions. 8.3 Junior ISA declarations Before a Junior ISA can be opened, the Registered Contact must agree to the following declarations relating to the Named Child and the Junior ISA: I am 16 years of age or over. I am the child/i have parental responsibility for the child. The child does not have a Child Trust Fund. I will be the Registered Contact for the Junior ISA. The child is resident and ordinarily resident in the UK, or is a UK Crown servant, a dependant of a UK Crown servant or married to/in a civil partnership with a UK Crown servant. I have not subscribed and will not subscribe to another stocks and shares Junior ISA for this child. I am not aware that this child has another stocks and shares Junior ISA. I am not aware of other Junior ISA subscriptions in this tax year that will result in this child exceeding the annual limit. I will not knowingly make subscriptions to Junior ISAs for this child that will result in the subscription limit being exceeded. I authorise St. James s Place Unit Trust Group Limited to hold the child s Junior ISA investments, subscriptions, interest, dividends and any other rights or proceeds in respect of those investments, and any other cash. I authorise St. James s Place Unit Trust Group to make, on the child s behalf, any claims to relief from tax in respect of the Junior ISA investments. I have read the latest Key Investor Information Documents and the Supplementary Information Document and agree to the Terms and Conditions within the Supplementary Information Document. The personal details given are true and correct to the best of my knowledge and belief. 8.4 Conversion at age 18 When the Named Child on a Junior ISA reaches age 18, the account will cease to be a Junior ISA. It will continue as an ISA owned by the Named Child, and will be subject to the terms and conditions for ISAs, as set out in sections 1 7 and 9. Additional information, including the Named Child s National Insurance Number and an ISA declaration, will be required before any further investments can be made. 11
13 9 Definitions Administration Centre Bid Price and Offer Price Our administration centre, at: St. James s Place Unit Trust Group Ltd, P.O. Box 9034, Chelmsford, Essex, CM99 2XA, Telephone: , or at another address we specify. The St. James s Place unit trusts have two prices. When you invest money units are bought at the Offer Price, and when you withdraw money units are sold at the Bid Price. The difference between the Bid Price and the Offer Price is normally 5% of the Offer Price. This difference includes the initial charge. Named Child Junior ISA Owner Registered Contact St. James s Place St. James s Place Wealth Management Group The child who is to benefit from the investments made to a Junior ISA and is the legal owner. An ISA held by or on behalf of a Named Child aged less than 18, and which was applied for using the application process for Junior ISAs. The owner of an ISA which is not a Junior ISA is the person who is making the investments. The owner of a Junior ISA is the Named Child. The ownership of unit trusts that are not held within an ISA is determined by the entry on the unit trust register. The registered contact on a Junior ISA is the person defined in condition 8.2 above. St. James s Place Unit Trust Group Limited, together with the other companies within the St. James s Place Wealth Management Group. Means St. James s Place plc and its subsidiaries St. James s Place UK plc, St. James s Place International plc, St. James s Place Wealth Management plc, St. James s Place Management Services Limited and St. James s Place Unit Trust Group Limited. 12
14
15
16 UK members of the St. James s Place Wealth Management Group are authorised and regulated by the Financial Services Authority. The St. James s Place Partnership and the titles Partner and Partner Practice are marketing terms used to describe St. James s Place representatives. St. James s Place Unit Trust Group Ltd Registered Office: St. James s Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, United Kingdom. Registered in England Number SJP4028-VR4 (12/12)
ST. JAMES S PLACE UNIT TRUST GROUP
ST. JAMES S PLACE UNIT TRUST GROUP SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment. Words
More informationST. JAMES S PLACE UNIT TRUST AND ISA
ST. JAMES S PLACE UNIT TRUST AND ISA SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment.
More informationSupplementary Information Document. The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA
Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual Stocks & Shares ISA Supplementary Information Document The NFU Mutual Portfolio Investment Plan The NFU Mutual
More informationJunior Individual Savings Account
Initial Charge waived 0% Junior Individual Savings Account Class R GBP Application forms 2015/2016 2 Junior Individual Savings Account Contents Page What is a Junior Individual Savings Account (Junior
More informationSupplementary Information Document
Schroders Supplementary Information Document April 2015 Schroders are required to provide you with important information to help you decide whether our Unit Trust / OEIC Funds are right for you. You should
More informationISA and Investment Fund Key features
ISA and Investment Fund Key features This is an important document. Please read it and keep for future reference. The Financial Services Authority is the independent financial services regulator. It requires
More informationInitial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions
Initial Charge waived 0% ISA Class R GBP Application forms 2015/2016 Terms and conditions ISA terms and conditions Definitions Account Account holding your Investments in an ISA. Additional Permitted Subscription
More informationVIRGIN STOCKS & SHARES ISA CONDITIONS
VIRGIN STOCKS & SHARES ISA CONDITIONS 1 PLEASE MAKE SURE YOU READ THESE CONDITIONS AS THEY CONTAIN INFORMATION YOU NEED TO KNOW This agreement is governed by the Individual Savings Account Regulations
More informationTHREADNEEDLE NAVIGATOR INDIVIDUAL SAVINGS ACCOUNT (STOCKS AND SHARES COMPONENT) Terms and Conditions
THREADNEEDLE NAVIGATOR INDIVIDUAL SAVINGS ACCOUNT (STOCKS AND SHARES COMPONENT) Terms and Conditions threadneedle.com Contents 1. Definitions... 1 2. Our agreement with you... 2 3. Eligibility... 2 4.
More informationStocks and Shares Junior ISA
Stocks and Shares Junior ISA Provided by RBS Collective Investment Funds Limited. Including: Key Facts about our services and costs. Supplementary Information Document. Terms. This booklet includes the
More informationJ.P. Morgan ISA and J.P. Morgan Investment Account
Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES
More informationStocks and Shares Junior ISA
Stocks and Shares Junior ISA Provided by RBS Collective Investment Funds Limited Including: Key Facts about our services and costs. Supplementary Information Document. Terms and Conditions. This booklet
More informationImportant information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011
Important information on the main features of the Threadneedle Stockmarket ISA as at 1 November 2011 Key Features of the Threadneedle Stocks and Shares (Stockmarket) Individual Savings Account (B) Please
More informationUnicorn Investment Funds. Open-Ended Investment Company. Supplementary Information Document
Unicorn Investment Funds Open-Ended Investment Company Supplementary Information Document This document is dated 29 June 2015 Issued by Unicorn Asset Management Limited (Unicorn) Unicorn is authorised
More informationIndividual Savings Account Supplementary Terms
Individual Savings Account Supplementary Terms Individual Savings Account Supplementary Terms and Conditions for Stocktrade Retail Clients forming part of the Agreement between Stocktrade (a division of
More informationSchroders Investment Trust ISA
April 2016 Key Features of the Schroders Investment Trust ISA The Financial Conduct Authority is the independent financial services regulator. It requires us, Schroders, to give you this important information
More informationKey Features of the Stocks & Shares ISA
Key Features of the Stocks & Shares ISA Reference NGS250/A 06.14 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you
More informationISA and Investment Funds Key Features
ISA and Investment Funds Key Features From Standard Life through Standard Life Client Management This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationFundsmith Equity Fund Supplementary Information Document
Fundsmith Equity Fund Supplementary Information Document Contents 1. Introduction 4 2. The Fund 6 3. Investment 8 4. Information for ISA holders 12 5. Information for Junior ISA holders 14 6. Additional
More informationEQUITY STAKEHOLDER CHILD TRUST FUND.
LEGAL & GENERAL (PORTFOLIO MANAGEMENT SERVICES) LIMITED EQUITY STAKEHOLDER CHILD TRUST FUND. IMPORTANT INFORMATION INCLUDING TERMS AND CONDITIONS 2 CHILD TRUST FUND IMPORTANT INFORMATION CONTENTS USING
More informationInvestment Funds. Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited
Investment Funds Supplementary Information Document (SID) Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment
More informationSelected Investment Funds (SIF) Plan and Individual Savings Account (ISA) Product information February 2012
Selected Investment Funds (SIF) Plan and Individual Savings Account (ISA) Product information February 2012 2 Contents Questions and answers 3 Features of the SIF Account 4 Buying shares in your SIF Account
More informationFP Matterley Investment Funds
FP Matterley Investment Funds ISA Transfer Application Form For completion by the introducing intermediary (if applicable) Advised Investment* Non-advised Investment* *Please tick as appropriate 1. Personal
More informationOmnis Portfolio Investments ICVC
Supplementary Information Document Omnis Portfolio Investments ICVC Valid as at 29 th January 2016 Issued by Omnis Investments Limited, Authorised and regulated by the Financial Conduct Authority Registered
More informationST. JAMES S PLACE ISA DETAILS AND KEY FEATURES
ST. JAMES S PLACE ISA DETAILS AND KEY FEATURES (INCORPORATING THE SIMPLIFIED PROSPECTUS) CONTENTS Investment choice 2 What is the historic performance? 2 For what type of investor are the funds suitable?
More informationIndividual Savings Account (ISA) Terms and conditions
Individual Savings Account (ISA) Terms and conditions Contents 01 Parties to this Agreement 3 02 Defined Terms Used in this Agreement 3 03 Application and Cancellation 5 04 Subsequent Tax Years 6 05 Paying
More informationInvestment Funds Provided by RBS Collective Investment Funds Limited
Supplementary Information Document (SID) Investment Funds Provided by RBS Collective Investment Funds Limited About this document This document is designed to provide you with information about Investment
More informationKey Features Document
Keyfacts Key Features Document Transact Individual Savings Account (ISA) Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority The Financial Conduct Authority
More informationExpert Managed Solutions Provided by RBS Collective Investment Funds Limited
Expert Managed Solutions Provided by RBS Collective Investment Funds Limited Including: Supplementary Information Document. Investment Options ISA Terms and Conditions. This booklet includes the following
More informationScottish Widows UK Tracker Fund ISA (online) 2012/2013
Scottish Widows UK Tracker Fund ISA (online) 2012/2013 Supplementary Investor Information Document, incorporating the terms and conditions for the Scottish Widows Individual Savings Account (ISA) Important
More informationKey Features of the SIF Plan and SIF ISA
Key Features of the SIF Plan and SIF ISA This is an important document. You need to read this before you invest in the SIF Plan and/or SIF Individual Savings Account. 6 April 2016 January 2011 2 Key Features
More informationISA and Personal Portfolio
ISA and Personal Portfolio Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires us, Standard
More informationKey Features of the HSBC Child Trust Fund ( HSBC CTF )
Key Features of the HSBC Child Trust Fund ( HSBC CTF ) This is an important document. You need to read this before you invest in the HSBC CTF. 1 November 2011 Key Features of the HSBC CTF The purpose of
More information1. Personal details Please provide your full name and address. Title Surname Telephone (daytime)
First State Stocks and Shares ISA application form (from 6 April 2014) Minimum initial lump sum investment is 1,000 and/or minimum regular savings of 50 per month Please read the key investor information
More informationJ.P. Morgan ISA and J.P. Morgan Investment Account
110487-GB H961 0615 Key Features (24pp A4).qxp:110487 10/6/15 14:35 Page 1 Key Features and Terms and Conditions Effective from 25 September 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For
More informationNo Notice and Notice Deposit Accounts. Capital Millennium Bond. Short Term Fixed Rate Deposit Account. Cash ISA. Junior Cash ISA
Terms and Conditions No Notice and Notice Deposit Accounts Capital Millennium Bond Short Term Fixed Rate Deposit Account Cash ISA Junior Cash ISA Contents General Terms & Conditions 3 Account Terms & Conditions
More informationINCOME AND GROWTH PORTFOLIO OEIC AND ISA FUNDS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT
INCOME AND GROWTH PORTFOLIO OEIC AND ISA FUNDS SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT Incorporating the Terms and Conditions for the Scottish Widows Individual Savings Account (ISA) Important information
More informationKey Features. of the Suffolk Life SIPP (Deed Poll Scheme)
Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable
More informationSUPPLEMENTARY INFORMATION DOCUMENT THE NFU MUTUAL SELECT INVESTMENT PLAN THE NFU MUTUAL SELECT INDIVIDUAL SAVINGS ACCOUNT (ISA) INVESTMENTS
SUPPLEMENTARY INFORMATION DOCUMENT THE NFU MUTUAL SELECT INVESTMENT PLAN THE NFU MUTUAL SELECT INDIVIDUAL SAVINGS ACCOUNT (ISA) INVESTMENTS SUPPLEMENTARY INFORMATION DOCUMENT The NFU Mutual Select Investment
More informationZurich Stocks and Shares ISA. Terms and conditions
Zurich Stocks and Shares ISA Terms and conditions Contents Introduction 3 The Terms and conditions 3 Roles and responsibilities 3 Risks 3 Terms and conditions 4 21) Your contract with us 4 22) Roles and
More informationHow To Invest In A Bpo Isa
BP p.l.c. Individual Savings Account October 2014 2 Contents page How to contact us About this brochure 2 How to contact us 2 ISAs explained 3 Taxation 3 Risks associated with this investment 4 Eligibility
More informationJunior ISA key features
SIPP ISA Dealing Junior ISA Junior ISA key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Securities Limited, to give you this important
More informationInternational Portfolio Bond for Wrap Key Features
International Portfolio Bond for Wrap Key Features This is an important document. Please read it and keep it along with the enclosed personal illustration for future reference. The Financial Conduct Authority
More informationCapital Investment Bond Key features for additional investments only
Capital Investment Bond Key features for additional investments only This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services
More informationKey Features and Terms and Conditions of the Stocks and
Stocks and Shares ISA April 2015 Key Features and Terms and Conditions of the Stocks and Shares ISA This document should be read in conjunction with an up-to-date Key Investor Information Document (KIID)
More informationStocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares
Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares For your own benefit and protection you should read carefully Cazenove Investment Fund Company s Key Investor Information
More informationTerms and Conditions of the Cofunds Junior Investment ISA
SELF-DIRECTED Implicit Pricing Model Terms and Conditions of the Cofunds Junior Investment ISA Including Key Features of the Cofunds Junior Investment ISA. This document relates to the Cofunds Junior Investment
More informationIncome and gains generated by ISA investments are exempt from any further UK income tax as well as capital gains tax in the hands of the investor.
What is an ISA? ISA stands for Individual Savings Account. ISAs have been available since 6 April 1999. An ISA is a scheme for investment managed in accordance with the ISA Regulations under terms agreed
More informationDruids Sheffield. Key Features Stocks & Shares ISA Saving with Life Assurance T45
Druids Sheffield Key Features Saving with Life Assurance T45 We may be contacted at: Druids Sheffield Dove House, 181 Brampton Road,Wath-upon-Dearne, Rotherham, South Yorkshire S63 6BE Tel: 01709 876409
More informationKey Features Document
Keyfacts Key Features Document Transact Section 32 Buy Out Bond IntegraLife UK Limited A firm authorised and by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
More informationStocks & Shares ISA application
Stocks & Shares ISA application Here s what you need to read In this document: Key Facts about our services Stocks & Shares ISA brochure Stocks & Shares ISA Conditions Other documents: Key Investor Information
More informationKey features of the smart + stocks & shares ISA from AXA Self Investor
Key features of the smart + stocks & shares ISA from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services
More informationSimplified Prospectus as at 1 January 2012. Threadneedle Investment Funds III ICVC Retail Class
Simplified Prospectus as at 1 January 2012 Threadneedle Investment Funds III ICVC Retail Class Threadneedle Investment Funds III ICVC Retail Simplified Prospectus 1 Contents 1. INTRODUCTION 2 2. FUND INFORMATION
More informationSupplementary Investor Information Document for the Clerical Medical Open Ended Investment Company
Supplementary Investor Information Document for the Clerical Medical Open Ended Investment Company This Supplementary Investor Information Document (SIID) is designed to be read alongside the relevant
More informationStocks & Shares ISA Key Facts. This is an important document which you should keep.
Stocks & Shares ISA Key Facts! This is an important document which you should keep. 2 Key Facts of the Alliance Trust Savings Stocks & Shares ISA The Financial Conduct Authority is the independent financial
More informationKey Features of the Cofunds Consolidation Service
Key Features of the Cofunds Consolidation Service ITS AIMS To offer you easy access to the country s leading Fund Managers through one access point. To offer you the opportunity to spread your risk by
More informationKey Features of the Ascentric Pension Account (SIPP)
Key Features of the Ascentric Pension Account (SIPP) Introduction The Financial Conduct Authority is a financial services regulator. It requires us, Investment Funds Direct Limited (IFDL), to give you
More informationWhat is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3
SIPP ISA Dealing Junior ISA ISA key features The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Securities Limited, to give you this important information
More informationKEY FEATURES OF THE INVESTMENT BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION RELATING TO YOUR
More informationInvestment Trust ISA and Savings Scheme Key features
Investment Trust ISA and Savings Scheme Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator. It requires
More informationSupplementary Investor Information Document incorporating the conditions for the Clerical Medical Individual Savings Account
Supplementary Investor Information Document incorporating the conditions for the Clerical Medical Individual Savings Account This Supplementary Investor Information Document (SIID) is designed to be read
More informationKey features of the Zurich Stocks and Shares ISA
Key features of the Zurich Stocks and Shares ISA Helping you decide This important document gives you a summary of the Zurich Stocks and Shares ISA. Please read this before you decide to invest, and keep
More informationKey features of the Aviva Stocks & Shares ISA
Key features of the Aviva Stocks & Shares ISA Retirement Investments Insurance Health Key features of the Aviva Stocks & Shares ISA The Financial Conduct Authority is a financial services regulator. It
More informationFP WHEB Asset Management Funds
FP WHEB Asset Management Funds ISA Transfer Application Form For completion by the introducing intermediary (if applicable) Advised Investment* Non-advised Investment* *Please tick as appropriate 1. Personal
More informationKey Features of the Stocks and Shares ISA
Key Features of the Stocks and Shares ISA Copyright Notice This document is the property of Investment Funds Direct Limited and cannot be copied, modified, or stored on a computer system without the company
More informationKey Features of the Stocks & Shares ISA
Key Features of the Stocks & Shares ISA Reference NGS250/A 05.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life Investment Solutions Limited, to give you
More informationInvestment Funds. Provided by RBS Collective Investment Funds Limited. Including: Supplementary Information Document Investment Options ISA Terms
Investment Funds Provided by RBS Collective Investment Funds Limited Including: Supplementary Information Document Investment Options ISA Terms This booklet include the following contents: Supplementary
More informationArchitas ISA. April 2016. Terms and Conditions
Architas ISA April 2016 Terms and Conditions Statement for Financial Advisers Please read these terms of business carefully. Architas Multi-Manager Limited ( Architas ) is a product provider and is a member
More informationInvestment Funds. Provided by RBS Collective Investment Funds Limited. Including: Supplementary Information Document Investment Options ISA Terms
Investment Funds Provided by RBS Collective Investment Funds Limited Including: Supplementary Information Document Investment Options ISA Terms This booklet include the following contents: Supplementary
More informationGroup Flexible Retirement Plan Key features
Group Flexible Retirement Plan Key features This is an important document. Please read it and keep it for future reference. Key features document: Pages 1 21 Terms and conditions for joining: Pages 22
More informationKey features of the Zurich Retirement Account
Key features of the Zurich Retirement Account Helping you decide This important document gives you a summary of the Zurich Retirement Account. Please read this before you decide to invest, and keep it
More informationThreadneedle UK Property Fund II Second Retail Share Class
Simplified Prospectus as at 1 December 2011 0 Threadneedle UK Property Fund Second Retail Simplified Prospectus Threadneedle UK Property Fund II Second Retail Share Class Threadneedle UK Property Fund
More informationUK TRACKER FUND ISA (ONLINE) SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT
UK TRACKER FUND ISA (ONLINE) SUPPLEMENTARY INVESTOR INFORMATION DOCUMENT Incorporating the Terms and Conditions for the Scottish Widows Individual Savings Account (ISA) Important information you need to
More informationSupplementary Information Document. Artemis Investment Funds ICVC GBP
Supplementary Information Document Artemis Investment Funds ICVC GBP Supplementary Information Document Thank you for requesting information from Artemis. If you require an application form, or additional
More informationKEY FEATURES OF THE INVESTMENT PORTFOLIO BOND. Important information you need to read
KEY FEATURES OF THE INVESTMENT PORTFOLIO BOND Important information you need to read IMPORTANT INFORMATION THE INVESTMENT PORTFOLIO BOND IS PROVIDED BY CLERICAL MEDICAL. ALL COMMUNICATIONS AND INFORMATION
More informationKey features of the M&S Investment ISA and Investment Plan
M&S INVESTMENT ISA AND INVESTMENT PLAN Key features of the M&S Investment ISA and Investment Plan INTRODUCING THE HSBC WORLD SELECTION PORTFOLIOS The Financial Conduct Authority is the independent financial
More informationActive Money Personal Pension Key Features
Active Money Personal Pension Key Features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.
More informationStocks and Shares ISA
Your modern mutual Stocks and Shares ISA Key features document What is the purpose of this document? The Financial Conduct Authority is the independent financial services regulator. It requires us, The
More informationPlatform Key Information Document
SELF-DIRECTED Explicit Pricing Model Platform Key Information Document Including the ISA and Investment Funds Key Features documents The information that follows is accurate to the best of our knowledge
More informationTHREADNEEDLE INVESTMENTS ISA AND CASH WITHDRAWAL FACILITY
THREADNEEDLE INVESTMENTS ISA AND CASH WITHDRAWAL FACILITY Terms and Conditions nthreadneedle Investment Funds ICVC nthreadneedle Specialist Investment Funds ICVC nthreadneedle Focus Investment Funds ICVC
More informationKey features of the ISA Portfolio
Key features of the ISA Portfolio Key features of the ISA Portfolio The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information to help
More informationManaged ISA Additional Terms. Stockbrokers
Managed ISA Additional Terms Stockbrokers Additional Terms This document sets out the Additional Terms that form part of the Agreement as defined in the Barclays Wealth Terms. If there is any conflict
More informationQUICK GUIDE TO ISAs 2014/2015
INDIVIDUAL SAVINGS ACCOUNTS 2014/2015 An Individual Savings Account (ISA) is not an investment in its own right rather it is a type of account that can be used to undertake tax-advantageous investment.
More informationISA Application Form (including Back-to-Back ISA option)
Private Investors ISA Application Form (including Back-to-Back ISA option) Please note that with effect from 1 July 2014, all Individual Savings Accounts are called New ISAs or NISAs This ISA Application
More informationKey features of the smart + Trading Account from AXA Self Investor
Key features of the smart + Trading Account from AXA Self Investor Important information The Financial Conduct Authority (FCA) is a financial services regulator. It requires us, AXA Portfolio Services
More informationKEY FEATURES OF THE MORTGAGE REVIEW PLAN. Important information you need to read
KEY FEATURES OF THE MORTGAGE REVIEW PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS IMPORTANT
More informationKey Features of the Funds Portfolio and ISA Funds Portfolio
Key Features of the Funds Portfolio and ISA Funds Portfolio Global Investment Centre This is an important document. You need to read this before you invest in the Funds Portfolio and ISA Funds Portfolio.
More informationAlliance Trust Investments Supplementary Information Document
Alliance Trust Investments Supplementary Information Document June 2015 This document provides supplementary information about your investment in one or more of the following open ended investment companies:
More informationThe Personal Range Key Features of the Individual Personal Pension Transfer Value Account
The Personal Range Key Features of the Individual Personal Pension Transfer Value Account Reference MPEN11/F 07.15 The Financial Conduct Authority is a financial services regulator. It requires us, Friends
More informationKey Features of the Cofunds Junior Investment ISA
SELF-DIRECTED Explicit Pricing Model Key Features of the Cofunds Junior Investment ISA This document relates to the Cofunds Junior Investment ISA. This is the only product available on the Cofunds platform
More informationKEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT
KEY FEATURES OF THE INDIVIDUAL SAVINGS ACCOUNT The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information to help you decide
More informationJunior Gold, Class C Shares (ISIN Accumulation GB00B39RN474) This fund is managed by Marlborough Fund Managers Ltd
Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and
More informationImportant information about your savings account
Important information about your savings account Important information about your savings account 1 Thank you for opening a Kent Reliance savings account. This leaflet contains information to help you
More informationISA and Personal Portfolio Terms and Conditions 1/24
ISA and Personal Portfolio Terms and Conditions 1/24 Terms and conditions Words in bold have a particular meaning when we use them in these terms. The words you/we/us also have a particular meaning. The
More informationSTOCKS & SHARES INDIVIDUAL SAVINGS ACCOUNT
STOCKS & SHARES INDIVIDUAL SAVINGS ACCOUNT Investments 2015/2016 Application Form STOCKS & SHARES INDIVIDUAL SAVINGS ACCOUNT 2015/2016 application form Please keep this page for your records The Direct
More informationKey Features of the Scottish Widows range of Open Ended Investment Company (OEIC) Funds
Mutual Funds Key Features of the Scottish Widows range of Open Ended Investment Company (OEIC) Funds Key Features These Key Features give you the main points about our range of Open Ended Investment Company
More informationTerms and conditions of the smart + Trading Account from AXA Self Investor
Terms and conditions of the smart + Trading Account from AXA Self Investor Terms and conditions of the smart + Trading Account 02 Introduction These Terms and conditions of the smart + Trading Account
More informationWHERE SAVERS COME FIRST. (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER
WHERE SAVERS COME FIRST (Issue 3) BEST ISA PROVIDER BEST SAVINGS ACCOUNT PROVIDER The Financial Services Authority is the independent Financial Services regulator. It requires us, BM Savings, a division
More informationKEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES.
PEnSIon AnnuITIES KEY FEATurES of LEGAL & GEnErAL S PEnSIon AnnuITIES. Helping you make the right decisions for your future INsuRANCe. savings. INVesTMeNT MANAGeMeNT. 01 Key features of Legal & General
More informationHSBC Child Trust Fund. Terms and Conditions
HSBC Child Trust Fund Terms and Conditions 2 Important Information These are the Terms for your HSBC Child Trust Fund and you are advised to read them carefully. These Terms will come into force on the
More information