General Conditions

1. To qualify you must invest a minimum lump sum of (or lump sums totalling) £3000 in our ISA Bond (a "Stocks & Shares ISA) between 1 January 2008 and 30 June 2009. This can be split between tax years 2007-08, 2008-09, and 2009-10 and must include transfers in from other providers where we receive the application in time - see below. The total does not include regular contributions to our ISA Plan.
   
   
2. The Sum Assured on any transferred-in portion only will be 102% of the transferred in amount (normally 100%).
   
   
3. This will normally result in the value of your plan on encashment (or death) being 2% higher than its normal level. However, during the first 2 years an additional penalty of 1% will apply to the cash-in value (not the death benefit) which will result in it only being 1% higher than normal during that time.
   
   

Tax Year 2008-09 Subscriptions

1. The subscription limit is £7200. This limit includes any subscription you make to a Cash ISA in the tax year 2008-09.
   
   
2. We must receive your cheque and application form by 12 noon on Friday April 3rd 2009.
   
   

Transfers from other providers

1. There is no maximum to the amount that you can transfer to us.
   
   
2. We can accept any transfers from any Stocks & Shares ISAs including former PEPs and/or any Cash ISAs including a former Tessa Only ISA.
   
   
3. We must receive your application by Tuesday 30th June 2009 and the cheque from your existing provider by Friday August 28th 2009.