Asset. Service. Investment Portfolio Service and Portfolio Administration Service Rates and Charges

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Asset. Service. Investment Portfolio Service and Portfolio Administration Service Rates and Charges"

Transcription

1 Asset Management Service Investment Portfolio Service and Portfolio Administration Service Rates and Charges

2 Contents Rates and Charges for the Investment Portfolio Service (IPS) 1 Service Charge and Termination Fee 1 IPS Portfolio Funds and Charges 2 Dealing Fee 4 Collective Investment Schemes 4 Additional Charges 4 Rates and Charges for the Portfolio Administration Service (PAS) 5 Quarterly Subscription 5 Service Charges and Termination Fee 5 Dealing Fee 6 Collective Investment Schemes 6 Monthly Statements of Income (Charities Only) 6 Banking Interest and Service Charges 7 Select ISA 8 Appendix Examples showing when the calculation of the service charge takes 9 place for the Investment Portfolio Service

3 Rates and Charges for the Investment Portfolio Service (IPS) The rates and charges shown below are those in force as at May 2014, but the amounts and the charging structure are subject to periodic revision. The times of the charges may likewise vary. Charges are subject to VAT at the current rate where applicable. Service Charge and Termination Fee The basis of the charge A service charge of 1% is payable annually in advance and is based upon the market value of your IPS portfolio, including any balance on your Capital account. This service charge is for our management and administration of the securities in your IPS portfolio, together with (if applicable) your Select ISA. The latest available prices are used on the date on which the service charge is calculated. In the case of holdings in a collective investment scheme or investment bond, the value taken for fee purposes will be the current bid price or the single pricing (as appropriate) published by the managers or providers of the scheme. There is a minimum annual charge of 1,000, other than for the first year when there is no minimum charge. Calculation and payment of the charge The service charge is payable annually in advance, although slightly different arrangements apply in the first year. In the first year, the service charge will be proportional so that it covers: the period from the commencement of the agreement until the first working day after the 10th of the next calendar month following commencement; and the forthcoming year after that date. The calculation of the first service charge will take place on the first working day after the 10th of the fourth calendar month following commencement of the agreement and will become payable after that date. The first service charge will cover all capital or assets which have been received by that date, so that any capital or assets received after that date will be treated as additions to your portfolio instead. In each subsequent year, the service charge will be calculated on the anniversary of the first working day after the 10th of the next calendar month following commencement of the agreement and will become payable after that date. For examples of how the service charge is calculated in the first and subsequent years, and its proportionate refund on termination, please see the appendix at the end of these rates and charges. Additions to and withdrawals from the portfolio If you add any further capital or assets to your portfolio from time to time, an advice charge may be payable for any advice you receive and this would be agreed with you in advance where applicable. The payment of this advice charge may at your request be arranged for you by Lloyds Bank Private Banking Limited and, depending upon which adviser provided the advice, be paid to another company within the Lloyds Banking Group. A proportional service charge will also be payable on the capital and assets added to your portfolio during the charging period. However, a proportionate refund of the service charge will not be made by us if you make any partial withdrawal of capital or assets during the charging period. Termination A proportionate refund of the service charge will be made by us on termination for the period from the date of termination until the anniversary of the first working day after the 10th of the next calendar month following commencement of the agreement. A termination fee of 500 will be made on closure of your portfolio to cover our costs in relation to the closure, for example selling your holdings and transferring the proceeds back to you or your personal representatives or as you may direct. Dealing charges will also apply if any equities, gilts or bonds in your portfolio are sold as part of the closure (see page 4 for details). The termination fee will also be charged on the death of any of the parties to a portfolio held on a tenancy in common basis to cover our costs in dealing with the deceased s share of the assets. You will need to decide what you want to happen to your holdings on termination. You may wish to have the holdings sold and the proceeds of sale transferred to you. Alternatively, you may wish to transfer your holdings into your own name instead or to another adviser. If so, you should be aware that the class of shares held in the IPS portfolio funds is only available to clients of IPS and cannot be held in your own name. However, we can arrange to convert them into another class of shares in the same portfolio funds and transfer your holdings to you or to another adviser, if the adviser can accept that class of shares. Otherwise, we will need to sell the holdings and transfer the proceeds of sale instead. Please note that the ongoing fund management charges may change and 1

4 details of this and other information about the portfolio funds will be provided to you. On the death of a client in a sole case or in a joint case where the portfolio is held as a tenancy in common, all holdings belonging to the deceased will only be sold once the personal representatives are in a position to give us their instructions, in accordance with the Terms and Conditions. IPS Portfolio Funds and Charges Your overall IPS portfolio consists of two of the three IPS portfolio funds listed below, depending on your chosen investment profile: IPS Growth Portfolio IPS Income Portfolio IPS Higher Income Portfolio. The provider of the portfolio funds is SWIP Fund Management Limited, part of the Aberdeen Asset Management Group. The portfolio funds, in turn, invest in funds carefully selected from the market and may include funds managed by a company that is part of the Lloyds Banking Group. When investing in funds, our chosen approach is to invest in regulated collective investments. However, on occasion we may select unregulated funds within specific asset types or from specific providers. We may change the range of investments from time to time without notice. Total Expense Ratio (TER) This is a ratio expressing all costs you will incur in holding your investment in terms of a percentage of the fund s total assets. This includes the fund s annual management charge (AMC) levied by the fund manager, in this case SWIP Fund Management Limited, and other running costs including audit, legal and custody fees. The TER is in addition to the service charge described under the section Service Charge and Termination Fee. The charges are shown in the table below: Fund TER Portfolio Fund TER * IPS Growth Portfolio 0.75% IPS Income Portfolio 0.70% IPS Higher Income Portfolio 0.77% * As at 01/05/14. For the most up to date TER please contact your relationship manager. These charges are taken from the capital or income within the fund and calculated on a daily basis. They are deducted from the fund itself periodically or on an ad hoc basis and will have already been taken into account in the pricing of the relevant holding. The TERs are approximate costs and could vary periodically depending on the changes within the underlying funds. For illustration purposes the table below shows the TERs for each profile. 2

5 The charges are shown in the table below: Profile TER Profile TER * Defensive 0.70% Cautious 0.71% Cautious High Yield 0.77% Discovery 0.72% Discovery High Yield 0.76% Balanced 0.73% Balanced High Yield 0.76% Progressive 0.74% Dynamic 0.74% Adventurous 0.75% * As at 01/05/14. For the most up to date TER please contact your relationship manager. Switching Transfers can be made between funds at any time without incurring any charges. We may make transfers between funds on your behalf at any time. Such transfers are not subject to a fee but may incur capital gains tax depending on your personal circumstances. Dilution adjustment When we buy or sell holdings on your behalf the fund manager will usually have to buy or sell individual investments within a fund to complete the transaction. The price that we are quoted for the fund does not take into account any transaction costs for buying and selling individual investments. For example, the broker s commission and, in the case of UK shares, stamp duty which applies to purchases. To cover these costs, the fund manager reserves the right to apply a charge called a dilution adjustment. This helps to protect your interests, and those of other investors, by ensuring that the common property of the fund, owned by all investors, is not diluted by the costs incurred when an individual investor buys or sells holdings. Lloyds Bank Private Banking does not benefit in any way from the dilution adjustment. 3

6 Dealing Fee These charges will apply only when selling any equities, gilts and bonds on your behalf for reinvestment into IPS. This may happen immediately or over an agreed period of time. Your existing ISAs can only be transferred to a Select ISA in cash. The holdings must therefore be sold by your existing provider prior to transfer (and not by us). Please note that, once you have opened your Select ISA, you may, at our discretion, transfer to it shares in a company that you have received from an approved profit sharing or savings related share option scheme. These shares will be sold at once by us and the proceeds reinvested in the IPS portfolio funds referred to on page 2. The sale of these various investments under IPS and on termination will normally be carried out by a Lloyds Banking Group company. A dealing fee will be charged at the following rates, which will be paid to us and then all or part of this fee may be paid by us to the relevant group company. The charges are shown in the table below: Equities On the first 10, % (minimum 30) On the next 50, % On the next 190, % On any balance over 250, % Gilts and Bonds On the first 30, % (minimum 30) On the next 220, % On any balance over 250, % International Trades 0 to 10, % of consideration (minimum 60) 10, to 60, % 60, to 190, % Over 190, % For sales of more than 10,000 in value, there is also a fixed Stock Exchange PTM (Panel of Takeovers and Mergers) levy of 1. Collective Investment Schemes Where you have any investments in collective investment schemes (other than the IPS portfolio funds referred to on page 2), charges will apply to those investments until such time as they are sold for reinvestment into IPS. There are typically an ongoing or annual fund management charge and certain other charges levied by the fund manager which may be deducted periodically or on an ad hoc basis. These charges will vary according to the fund manager, but typically the ongoing fund management charges will be in the region of % per annum. Additional Charges We may provide advice to you on securities or money not held in your IPS portfolio or any extra services such as financial counselling generally. An advice charge may be payable for any such advice you receive and this would be agreed with you in advance where applicable. The payment of this advice charge may at your request be arranged for you by Lloyds Bank Private Banking Limited and, depending upon which adviser provided the advice, be paid to another company within the Lloyds Banking Group. 4

7 Rates and Charges for the Portfolio Administration Service (PAS) The charges and commissions shown below are those in force as at May 2014 but are subject to periodic revision. The times of the charges may likewise vary. Charges are subject to VAT at the current rate where applicable. This service is only available with the Investment Portfolio Service and not by itself. Quarterly Subscription A quarterly subscription fee of will be payable in advance, although slightly different arrangements apply for the first quarter. In the first quarter, the quarterly subscription fee will be proportional so that it covers: the period from the commencement of the agreement until the first working day after the 10th of the next calendar month following commencement; and the forthcoming quarter after that date. The quarterly subscription fee for the first quarter is payable on the first working day after the 10th of the fourth calendar month following commencement of the agreement. The subscription fee for the second quarter is payable in advance at the same time and subsequent fees quarterly in advance thereafter. A proportionate refund will not be made by us on termination. Service Charges and Termination Fee The following service charges are payable quarterly in arrears. The charges for the first quarter are payable on the first working day after the 10th of the fourth calendar month following commencement of the agreement and subsequent charges quarterly in arrears thereafter. Please also refer to the Dealing Fee and Collective Investment Schemes sections below. Custody charges 1.30 per security per month. These charges are calculated by reference to the number of securities held on the 10th of each month or the preceding working day. Transaction charges For each investment transaction carried out during the preceding quarter, The transactions in this category are: i. purchases and subscriptions and sales and redemptions of stocks, shares, units and other securities and rights therein (one charge irrespective of number of calls on purchases and subscriptions); ii. receipts of bonus issues; iii. conversions and exchanges; iv. sales of rights under rights issues; v. acceptance of rights under rights issues (one charge irrespective of number of calls); vi. purchase and encashment of insurance bonds, withdrawals therefrom, whether regular or otherwise, and switches between the underlying funds or securities; vii. any other transactions which in our opinion are investment transactions. Termination Upon termination, a transaction fee of per transaction is payable in arrears. Examples of where such a transaction fee will be made include (but are not limited to): i. a transfer of securities from our nominee company to another nominee name; ii. a transfer of securities to your own name; iii. a reassignment or encashment of bonds; iv. a transaction made pursuant to your instructions, such as the sale of securities. A holding charge of 1.30 per holding per month is also payable, if and for so long as the return of your portfolio has not for any reason been completed. 5

8 Dealing Fee Purchases and sales will normally be carried out by a Lloyds Banking Group company. A dealing fee will be charged for these services, at the following rates, which will be paid to us and then all or part of this fee may be paid by us to the relevant group company. The charges are shown in the table below: Equities On the first 10, % (minimum 30) On the next 50, % On the next 190, % On any balance over 250, % Gilts and Bonds On the first 30, % (minimum 30) On the next 220, % On any balance over 250, % International Trades 0 to 10, % of consideration (minimum 60) 10, to 60, % 60, to 190, % Over 190, % Purchases of shares are subject to Government stamp duty of 0.5%. For purchases and sales of more than 10,000 in value, there is also a fixed Stock Exchange PTM (Panel of Takeovers and Mergers) levy of 1. Collective Investment Schemes PAS is an execution only service. Where investment is made in collective investment schemes, there is an initial dealing charge for purchases, which is taken by us or the fund manager at the time of your investment, together with an ongoing or annual fund management charge and certain other charges levied by the fund manager which may be deducted periodically or on an ad hoc basis. These charges will vary according to the fund manager, but typically the initial dealing charge will be in the region of 3.00% of the amount invested and the ongoing fund management charges in the region of % per annum. Where an initial dealing charge or ongoing fund management charge is payable on the purchase or holding of investments in a collective investment scheme, all or part of such charge or fee may be paid to us by the fund manager. We normally receive all the initial dealing charge and up to 75% of the ongoing or annual fund management charge whilst you remain invested in the relevant collective investment scheme. Details of all such fees and charges are set out in your Statement of Financial Affairs and you may also request further details from us at any time. Monthly Statements of Income (Charities Only) i standing charge each month a statement is prepared. ii per entry. 6

9 Banking Interest and Service Charges The details shown below are those in force as at May 2014 but are subject to periodic revision. The Income account is used to receive all dividends, interest or other payments relating to the securities in your portfolio. The Capital account is used for the carrying out of any transactions and the holding of funds under management in your IPS portfolio. Income account Capital account Interest paid to client on credit balances (see notes) The managed rate from time to time in force and available from the offices of Lloyds Bank Private Banking Limited (LBPB). Credited to the account on the first working day after the 10th of each month. The managed rate from time to time in force and available from LBPB s offices. Credited to the Income account on the first working day after the 10th of each month. Interest and banking service charges on debit balances (see notes) These accounts should not incur a debit balance for any reason and so no interest or service charges will be levied. Notes 1. In respect of all Private Banking accounts (i.e. the Current and Investment accounts at Lloyds Bank plc (as mentioned in the glossary in Appendix B to the Terms and Conditions for the service) and the Income and Capital accounts at LBPB) the Taxes Act 1988 normally requires income tax, at the rate specified by law, to be deducted from the interest credited, unless, subject to note 2. opposite, the depositor has supplied a certificate of non-liability to tax. However, interest will be paid gross to charities and to private trustees where there is no individual beneficially entitled to the income as it arises. Otherwise, the tax deducted is allowed against the tax payable for the year in which the tax is paid. If you are not liable to tax or the deduction exceeds your liability, the tax deducted or any excess may be reclaimed. 2. In the case of joint accounts, certificates of non-liability may be given by one depositor individually but the deposit taker may, upon giving notice to HM Revenue & Customs, disregard such certificate unless all persons beneficially entitled to the payment of interest on the account have given such certificates. 7

10 Select ISA There are no separate administration charges for your Select ISA other than the service charge referred to on page 1. Your holdings will, however, be subject to the fund charges for the IPS portfolio funds referred to on page 2. You will be paid interest on any cash temporarily held in your Select ISA. The details shown below are those in force as at May 2014 but are subject to periodic revision. Interest paid on any cash in your Select ISA will be at the same rate as the gross interest rate paid on the Lloyds Bank Flexible Savings Account (monthly interest option). This rate changes from time to time. For the latest interest rate on this account, please call into any Lloyds Bank branch or visit our website at lloydsbank.com At present we calculate any such interest on a daily basis and pay it quarterly in March, June, September and December. With the Select ISA, interest is paid after deducting the HM Revenue & Customs charge of 20% set out in the ISA regulations. We calculate the interest received from your ISA investments, and then kept in the Income account for your ISA, entirely separately from the interest on any other cash in the Capital account for your ISA. 8

11 Appendix Examples showing when the calculation of the service charge takes place for the Investment Portfolio Service Service Charge Calculation of the first service charge This takes place on the first working day after the 10th of the fourth calendar month following commencement of the agreement and will become payable after that date. In the first year, the service charge will be proportional so that it covers the period from the commencement of the agreement until the first working day after the 10th of the next calendar month following commencement and the forthcoming year after that date. For example: Agreement commences: Monday 1 March (year 1) First service charge calculated: Monday 12 July (year 1) Period of first service charge: Monday 1 March (year 1) until Monday 11 April (year 2) i.e. the first working day after 10 April March year 1 April year 1 May year 1 June year July year Calculation of the second and subsequent service charge In each subsequent year, the service charge will be calculated on the anniversary of the first working day after the 10th of the next calendar month following commencement of the agreement and will become payable after that date. For example: Agreement commenced: Monday 1 March (year 1) Second and subsequent service charge calculated: On the first working day after 10 April March year 1 April year 2 April year

12 Refund of Service Charge on Termination A proportionate refund of the service charge will be made by us on termination for the period from the date of termination until the anniversary of the first working day after the 10th of the next calendar month following commencement of the agreement. For example: Date of last service charge: tuesday 11 April (year 3) Date of termination: Wednesday 1 November (year 3) Refund of the service charge for period: 1 November (year 3) to 11 April (year 4) April year 3 November year 3 December year January year 4 February year 4 March year 4 April year

13 Please go to lloydsbank.com/privatebanking Please contact us if you d like this information in an alternative format such as Braille, large print or audio. If you have a hearing or speech impairment and would prefer to use a Textphone, please feel free to call us on (lines open 24 hours a day, 7 days a week). If you are Deaf and prefer to use BSL then you can use the SignVideo service available on our website lloydsbank.com/signvideo.asp Lloyds Bank Private Banking Limited Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number We are members of the Financial Services Compensation Scheme and covered by the Financial Ombudsman Service. Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Information correct as of May M58561 (05/14)

OUR FUND RANGE AND INVESTMENTS. e-investments

OUR FUND RANGE AND INVESTMENTS. e-investments OUR FUND RANGE AND INVESTMENTS e-investments Why is it important to read this document? This document explains our investments, the funds available, how they are managed, their objectives and the associated

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key 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 information

Key Features of the SIF Plan and SIF ISA

Key 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 information

Important 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 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 information

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges

PRIVATE BANKING PREMIER ACCOUNTS. Guide to charges PRIVATE BANKING PREMIER ACCOUNTS Guide to charges This is your guide to the main fees and charges for services on your Private Banking Premier account and debit card Rates that apply to your Private Banking

More information

DIRECT INVESTMENTS PLAN FOR THE FUTURE WITH OUR SHARE DEALING SERVICES

DIRECT INVESTMENTS PLAN FOR THE FUTURE WITH OUR SHARE DEALING SERVICES DIRECT INVESTMENTS PLAN FOR THE FUTURE WITH OUR SHARE DEALING SERVICES Direct Investments Contents Introduction 1 Before you invest 2 How to buy and sell shares 5 Your Share Dealing Account 6 Maximise

More information

ST. JAMES S PLACE UNIT TRUST AND ISA

ST. 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 information

BP p.l.c. Individual Savings Account

BP p.l.c. Individual Savings Account 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 information

Managed ISA Additional Terms. Stockbrokers

Managed 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 information

Key Features of the Stocks & Shares ISA

Key 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 information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.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 information

Schroders Investment Trust ISA

Schroders 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 information

Simplified 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 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 information

Marsh and McLennan Companies Corporate Savings Stocks & Shares ISA Fees and charges brochure

Marsh and McLennan Companies Corporate Savings Stocks & Shares ISA Fees and charges brochure Marsh and McLennan Companies Corporate Savings Stocks & Shares ISA Fees and charges brochure Understanding your fees and charges Helping you to take control of your savings This document helps you to understand

More information

Key Features of the Stocks & Shares ISA

Key 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 information

Charges Schedule. Modular ISA. Modular iplan CLOSED TO NEW BUSINESS. (Applies to Modular ISAs applied for before 16 October 2014)

Charges Schedule. Modular ISA. Modular iplan CLOSED TO NEW BUSINESS. (Applies to Modular ISAs applied for before 16 October 2014) Modular iplan Modular ISA (Applies to Modular ISAs applied for before 16 October 2014) CLOSED TO NEW BUSINESS This document sets out James Hay Partnership s charges for establishing and administering a

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

FINANCIAL PLANNING Tariff of charges

FINANCIAL PLANNING Tariff of charges FINANCIAL PLANNING Tariff of charges Customers receiving advice Ways to Invest with Nationwide There are two ways to invest through Nationwide: with advice via one of our Nationwide financial advisers

More information

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 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 information

Threadneedle UK Property Fund II Second Retail Share Class

Threadneedle 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 information

Key Facts about our services and costs - Saga Investments Online

Key Facts about our services and costs - Saga Investments Online 1. What is the purpose of this document? The Financial Conduct Authority (FCA) asks regulated firms to provide this important information to help you decide if our products and services are right for you.

More information

Marsh and McLennan Companies Corporate Savings Investment Account Fees and charges brochure

Marsh and McLennan Companies Corporate Savings Investment Account Fees and charges brochure Marsh and McLennan Companies Corporate Savings Investment Account Fees and charges brochure Understanding your fees and charges Helping you to take control of your savings This document helps you to understand

More information

ST. JAMES S PLACE UNIT TRUST GROUP

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 information

RETIREMENT ACCOUNT SHARE DEALING GUIDE

RETIREMENT ACCOUNT SHARE DEALING GUIDE RETIREMENT ACCOUNT SHARE DEALING GUIDE INTRODUCTION Scottish Widows have teamed up with Stocktrade to provide a facility for Retirement Account customers to buy and sell listed securities within their

More information

Your guide to our charges. Stockbrokers

Your guide to our charges. Stockbrokers Your guide to our charges Stockbrokers Dealing charges These charges relate to the following: Accounts: Investment ISA / MarketMaster / SIPP / Pension Trader / Company Dealing Investment Types: All investment

More information

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges

PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges PRIVATE BANKING PREMIER CURRENT ACCOUNT (INCLUDING CLUB LLOYDS) Guide to charges This is your guide to the main fees and charges that will apply to all Private Banking Premier accounts including Club Lloyds

More information

Portfolio Investments Key Features

Portfolio Investments Key Features Portfolio Investments Key Features Including the Investments ISA IMPORTANT INFORMATION YOU NEED TO READ AND UNDERSTAND BEFORE YOU INVEST The Financial Conduct Authority is a financial services regulator.

More information

Key features of the smart + stocks & shares ISA from AXA Self Investor

Key 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 information

Online Investments. Our Fund Range and Investments

Online Investments. Our Fund Range and Investments Online Investments Our Fund Range and Investments Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

KEY FEATURES OF THE INVESTMENT BOND. Important information you need to read

KEY 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 information

ISA and Investment Fund Key features

ISA 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 information

Key features of the Zurich Retirement Account

Key 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 information

Selected 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 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 information

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account

PRICE LIST. Club Lloyds Private Banking Account and Flexible Current Account PRICE LIST Club Lloyds Private Banking Account and Flexible Current Account Club Lloyds Private Banking Account and Flexible Current Account This leaflet is a guide to the main fees applying to the Club

More information

ORDER HANDLING POLICY. Direct Investments

ORDER HANDLING POLICY. Direct Investments ORDER HANDLING POLICY Direct Investments Our approach to order handling We re committed to helping you make informed decisions about your investments. One way we do this is to explain how we will handle

More information

Key features of the smart + Trading Account from AXA Self Investor

Key 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 information

Close Brothers Self Directed Service Key Features and Charges

Close Brothers Self Directed Service Key Features and Charges Close Brothers Self Directed Service Key Features and Charges Contents 1) Key Features of the Close Stocks & Shares ISA and Close Cash ISA 2) Key Features of the Close Investment Account 3) Key Features

More information

QUICK GUIDE TO ISAs 2014/2015

QUICK 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 information

MERCHANT SECURITIES LIMITED ISA SUPPLEMENTARY TERMS & CONDITIONS

MERCHANT SECURITIES LIMITED ISA SUPPLEMENTARY TERMS & CONDITIONS MERCHANT SECURITIES LIMITED ISA SUPPLEMENTARY TERMS & CONDITIONS INTRODUCTION 1. These Individual Savings Account Services Supplementary Terms (referred to hereafter as the Supplementary Terms ) apply

More information

VIRGIN STOCKS & SHARES ISA CONDITIONS

VIRGIN 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 information

Individual Savings Account Supplementary Terms

Individual 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 information

first direct shares Key Features Document Important information, please read carefully

first direct shares Key Features Document Important information, please read carefully first direct shares Key Features Document Important information, please read carefully Contents How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4 Rates and fees 9 Further information

More information

ISA and Investment Funds Key Features

ISA 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 information

ISA and Personal Portfolio Terms and Conditions 1/24

ISA 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 information

Key Features of the Stocks and Shares ISA

Key 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 information

Key features of the M&S Investment ISA and Investment Plan

Key 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 information

HSBC Global Investment Centre

HSBC Global Investment Centre HSBC Global Investment Centre Terms and Conditions These terms are effective for all Global Investment Centre Account customers on and from 6 April 2016. 2 Global Investment Centre Terms and Conditions

More information

ST. JAMES S PLACE UNIT TRUST GROUP

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 information

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD

KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD KEY FEATURES OF THE METLIFE INVESTMENT BOND PORTFOLIO ENTER A MORE CERTAIN WORLD Investment Bond Portfolio Contents 1 Key Features of the MetLife Investment Bond Portfolio 2 2 Guarantee Options 6 3 Other

More information

Key Features of the HSBC Child Trust Fund ( HSBC CTF )

Key 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 information

Key features of the Zurich Stocks and Shares ISA

Key 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 information

TD Direct Investing. Rates and Charges

TD Direct Investing. Rates and Charges TD Direct Investing Rates and s 2 February 2015 Our Regular Fees Our management and administration fees are regular account charges that cover the ongoing services you receive from TD Direct Investing.

More information

A guide to unit-linked investments

A guide to unit-linked investments A guide to unit-linked investments Introduction This guide covers NFU Mutual s unit-linked investments. These are policies in which your money is used to purchase units in a particular fund or combination

More information

KEY 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 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 information

ISA and Personal Portfolio

ISA 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 information

J.P. Morgan ISA and J.P. Morgan Investment Account

J.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 information

TEXT ALERTS. Keeping track of your money 24/7

TEXT ALERTS. Keeping track of your money 24/7 TEXT ALERTS Keeping track of your money 24/7 Contents Types of text alerts 1 Managing your text alerts 3 Mobile Banking 5 Terms and conditions 6 I like to keep on top of my finances Our variety of alerts

More information

Guide to Services and Charges

Guide to Services and Charges Redmayne-Bentley s Guide to Services and Charges Established in 1875, Redmayne-Bentley is one of the leading independently owned private client stockbroking and investment management firms in the UK and

More information

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond

Key Features of the MetLife Bond Range. Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range Income for Life Bond Guaranteed Investment Bond Protected Growth Bond Investment Bond Key Features of the MetLife Bond Range 1 Key Features of the MetLife Bond Range

More information

PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION (COFUNDS) (CP) TERMS SHEET.

PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION (COFUNDS) (CP) TERMS SHEET. PORTFOLIO PLUS SELF INVESTED PERSONAL PENSION (COFUNDS) (CP) TERMS SHEET. This is an important document which you should keep in a safe place. 2 TERMS SHEET. This document details charges applicable to

More information

Alliance Trust Investments Supplementary Information Document

Alliance 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 information

Terms and Conditions Individual Savings Account and Investment Account. For accounts opened after 28 April 2011

Terms and Conditions Individual Savings Account and Investment Account. For accounts opened after 28 April 2011 Terms and Conditions Individual Savings Account and Investment Account For accounts opened after 28 April 2011 These terms and conditions cover the Sterling Individual Savings Account and Sterling Investment

More information

Key Features of the Funds Portfolio and ISA Funds Portfolio

Key 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 information

Open Invest. Important Information Guide. Explaining the changes to your Open Invest Service

Open Invest. Important Information Guide. Explaining the changes to your Open Invest Service Open Invest Important Information Guide Explaining the changes to your Open Invest Service This important guide provides details of the changes to your investment service and what they mean for you. Contents

More information

Zurich Stocks and Shares ISA. Terms and conditions

Zurich 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 information

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you

CLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest

More information

THREADNEEDLE NAVIGATOR INDIVIDUAL SAVINGS ACCOUNT (STOCKS AND SHARES COMPONENT) Terms and Conditions

THREADNEEDLE 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 information

Direct Savings Account. Special conditions. alrayanbank.co.uk

Direct Savings Account. Special conditions. alrayanbank.co.uk Direct Savings Account Special conditions alrayanbank.co.uk Contents Sections A Words with special meanings 3 Section B Direct Savings Account 6 Operating your Direct Savings Account 6 Paying money into

More information

Value Investment Portfolio

Value Investment Portfolio Investment Management Value Investment Portfolio A discretionary managed service with an overall aim of medium to long-term creation and preservation of wealth Value Investment Portfolio About Redmayne-Bentley

More information

Key features of the ISA Portfolio

Key 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 information

Invesco Perpetual Investment Trust ISA and Savings Scheme Key Features and Terms & Conditions

Invesco Perpetual Investment Trust ISA and Savings Scheme Key Features and Terms & Conditions Invesco Perpetual Investment Trust ISA and Savings Scheme Key Features and Terms & Conditions Key Features of the Invesco Perpetual Investment Trust ISA and Savings Scheme The Financial Conduct Authority

More information

Guide to Services and Charges

Guide to Services and Charges Redmayne-Bentley s Guide to Services and Charges Established in 1875, Redmayne-Bentley is one of the leading independently owned private client stockbroking and investment management firms in the UK and

More information

RETIREMENT ACCOUNT ADVISER TECHNICAL GUIDE

RETIREMENT ACCOUNT ADVISER TECHNICAL GUIDE RETIREMENT ACCOUNT ADVISER TECHNICAL GUIDE This information is for UK financial adviser use only and should not be distributed to or relied upon by any other person. INTRODUCTION THE RETIREMENT ACCOUNT

More information

Key Features and Terms and Conditions of the Stocks and

Key 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 information

Key Features of the Ascentric Pension Account (SIPP)

Key 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 information

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions

Initial 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 information

Fees and charges BBVA LONDON BRANCHES

Fees and charges BBVA LONDON BRANCHES Fees and charges BBVA LONDON BRANCHES 1. Current Account s 2. Transfers 3. Other s 4.Credit and Debit Cards 5. Sale and purchase of Securities As of 1 January 2016 www.bbvauk.com Please let us know if

More information

Junior ISA key features

Junior 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 information

Cofunds Customer Agreement

Cofunds Customer Agreement Cofunds Customer Agreement Canada Life International Portfolio Account This document applies both to advised investors who receive financial advice, and self-directed investors who make their own financial

More information

The ConocoPhillips Share Incentive Plan EXPLANATORY BOOKLET

The ConocoPhillips Share Incentive Plan EXPLANATORY BOOKLET The ConocoPhillips Share Incentive Plan EXPLANATORY BOOKLET September 2014 Contents Page 1. Introduction 1 2. Summary of how the Plan works 2 3. Eligibility and joining the Plan 4 4. Shares of Common Stock

More information

Key Features of the Scottish Widows range of Open Ended Investment Company (OEIC) Funds

Key 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 information

Stocks & Shares ISA Product guide

Stocks & Shares ISA Product guide Stocks & Shares ISA Product guide Your guide to the Stocks & Shares ISA The Stocks & Shares ISA from Friends Life is available through My Money. This guide explains what it is, how it works and aims to

More information

POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11)

POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11) POLICY CONDITIONS Approved Minimum Retirement Fund (PC AM5 02/11) Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Contract and definitions Contributions The funds Unit linking Benefits & Options

More information

International Portfolio Bond for Wrap 1/40

International Portfolio Bond for Wrap 1/40 International Portfolio Bond for Wrap 1/40 Introduction to your International Portfolio Bond for Wrap policy provisions The document attached contains the legal terms and conditions that govern our relationship

More information

Doing Business with FundsNetwork

Doing Business with FundsNetwork This document must be read in conjunction with the Fund Specific Information and/or Key Investor Information Document (KIID), Associated Charges document and the FundsNetwork Client Terms cavendish Doing

More information

LEND A HAND SAVINGS ACCOUNT. Terms and conditions

LEND A HAND SAVINGS ACCOUNT. Terms and conditions LEND A HAND SAVINGS ACCOUNT Terms and conditions April 2014 Terms and conditions This Account is not covered by the Lloyds Bank Personal Banking Terms and conditions. All terms relating to this Account

More information

BANKING CHARGES. March 2015

BANKING CHARGES. March 2015 BANKING CHARGES March 2015 Contents Your guide to our charges 1 Current account fees 2 Overdrafts 5 Our Control Option 9 Examples Unplanned Overdraft Fees 11 Debit card and Cashpoint card charges 13 Other

More information

Share Dealing Adult ISAs

Share Dealing Adult ISAs Share Dealing Adult ISAs Adult Stocks and Shares ISA What is a Stocks and Shares ISA? o This is a tax efficient Individual Savings Account that allows you to buy and sell a range of investments o Each

More information

INVESTMENT ACCOUNT AND ISA TERMS AND CONDITIONS.

INVESTMENT ACCOUNT AND ISA TERMS AND CONDITIONS. TEMS AND CONDITIONS O THE LEGAL & GENEAL INVESTMENT ACCOUNT AND ISA LEGAL & GENEAL (UNIT TUST MANAGES) LIMITED 1 INVESTMENT ACCOUNT AND ISA TEMS AND CONDITIONS. This is an important document. Please keep

More information

Terms and conditions of the smart + stocks & shares ISA from AXA Self Investor

Terms and conditions of the smart + stocks & shares ISA from AXA Self Investor Terms and conditions of the smart + stocks & shares ISA from AXA Self Investor Terms and conditions of the smart + ISA 02 Introduction These Terms and conditions of the smart + ISA (also referred to as

More information

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond

Key Features of investing in an Old Mutual Wealth Collective. via an Old Mutual International - International Portfolio Bond Key Features of investing in an Old Mutual Wealth Collective Investment Account* via an Old Mutual International - International Portfolio Bond For UK Customers *Provided by Old Mutual Wealth Limited The

More information

What is an ISA and what benefits does it offer me? 3. What you have to do as an ISA investor 3

What 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 information

THREADNEEDLE INVESTMENTS ISA AND CASH WITHDRAWAL FACILITY

THREADNEEDLE 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 information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Aims 3 Your commitment 3 Risks 3 Questions and answers 4

More information

Self-Directed Options Guide

Self-Directed Options Guide Self-Directed Options Guide Contents 03 Introduction 04 The Policy Cash Account 05 Deposits 08 Execution-only stockbroking 15 Direct Property 15 General Information 02/16 Self-Directed Options Guide Introduction

More information

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read

Key Features of HSBC InvestDirect and HSBC InvestDirect Plus. Important information you need to read Key Features of HSBC InvestDirect and HSBC InvestDirect Plus Important information you need to read 2 Contents Section Page How to contact us 2 Key Features of these products 3 Questions and answers 5

More information

Scottish Widows UK Tracker Fund ISA (online) 2012/2013

Scottish 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 information

Bank Account Conditions.

Bank Account Conditions. Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.

More information

Savings Interest Rates

Savings Interest Rates Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account Cash

More information