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 and 30 June 2008. This can be split between tax years 2007-08 and 2008-09, and can 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 will be 102% of the single premium (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 the cash-in value (not the death benefit) will only be 1% higher than normal.
   
   

Tax Year 2007-08 Subscriptions

1. The subscription limit is £4000.
   
   
2. We must receive your cheque and application form by 12 noon on Friday April 4.
   
   

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 Monday 30 June.
   
   

Transfers from other providers

1. There is no maximum to the amount that you can transfer to us.
   
   
2. Until 5 April, we can only accept transfers from other Stocks & Shares ISAs e.g. Unit Trusts. Thereafter, 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 Monday 30 June and the cheque from your existing provider by Friday August 29.