Seymour Sinclair Investments and Scottish Widows Bank

                       5 Year Fixed Term Deposit Account
                 4.60% Gross/AER Annual Income

We are pleased to inform you that Seymour Sinclair Investment have again teamed up with Scottish Widows Bank to offer our clients further issues of the highly popular 5 year Fixed Term Deposit Account. This fixed rate account pays interest of 4.60% per annum for 5 years on investments of £10,000 and over.
 

The interest will be paid into your chosen bank account net of basic rate tax (currently 20%) for investments up to £50,000. For non tax payers and amounts over £50,000, interest will be paid gross.

Interest can be paid monthly at a rate of 4.50% AER or quarterly at 4.52% AER. These rates of interest are very competitive and higher than many income unit trust funds where the capital value is at risk.

Because this rate is so attractive to those seeking secure income, the allocation for this account could be taken up quickly and may close early. These Accounts are offered on a rolling basis, so if you miss out on one issue you can always apply for the next one, but please check the rates as they may change.

We give a 0.1% cash-back bonus for successful investments. i.e. £10 for £10,000 invested. This will be paid to successful applications shortly after the start of the issue.

Also available -      3 Year Fixed Term Deposit Account
                                              4.00% Gross/AER Annual Income

Interest can be paid monthly at a rate of 3.93% AER or quarterly at 3.95% AER.

Scottish Widows Bank is part of the Lloyds Banking Group which aims to provide quality financial products with excellent customer service through telephone, postal and online banking. Scottish Widows Bank is covered by the Financial Services Compensation Scheme up to £85,000 per depositor or £170,000 on Joint accounts. If you have any questions on this Account please contact Scottish Widows Customer Service on 0845 845 0829.

Please remember that we do not give investment advice as we work on an Execution Only basis. If you are unsure about this investment you should seek expert advice.

In order to make an investment, please complete and sign the application form enclosed. We will also require our Non Advisory Execution Only Declaration signed and your investment cheque payable to ‘Scottish Widows Bank’ (account holders name). Return these items to us in the envelope provided. If your cheque is drawn on a different account to where the income payments are to be made, Scottish Widows will require proof of your name and residency. Please contact about this if you are unsure of what is required.

~    Minimum deposit £10,000 - Maximum deposit £5,000,000

~    No partial withdrawals are permitted throughout the 5 year term

~    Interest paid monthly at 4.50% AER or Quarterly at 4.52% AER on 5 Year Term
~    Any money invested prior to the Start Date will attract interest at Bank Base Rate

~    Available for Charities, Clubs and SIPPs

~    Seymour Sinclair Bonus - 0.1% cash-back based upon the amount investment. This will be paid by us to successful applicants shortly after the Start Date.

~    The Account can be cashed in early but a penalty of 365 days interest will apply.