About Standard Life's Capital Investment Bond

Standard Life is a leading player in the onshore bond market. The Capital Investment Bond offers customers choice, flexibility and access to an extensive range of 140 funds across a range of asset classes.

Choice and Flexibility

The CIB offers the following:

• Stepped Charging Option - for full details of charges, please refer to the Key Features document opposite
  
• Ability to withdraw up to 5% a year of the total payments made into the bond without any immediate tax liability
  
• Potential to reduce any Inheritance Tax liability by putting the bond under trust
  
• Ability to take regular withdrawals or a partial surrender
  
• Fund switching – currently unlimited and free
  
• Ability to top up your bond with an additional investment
  
• Phased investment option - please refer to the leaflet opposite or click here for more information

Award Winning Product & Award Winning Service

When placing your onshore bond business with Standard Life you are choosing an onshore bond that holds both a ‘Defaqto 5 Star’ rating and an ‘Investment Bonds E-Excellence eee’ rating from FTRC.

Taxation

There are several tax advantages to effecting a CIB and further details on this can be found in the Key Features document opposite.

References to legislation and taxation are based on Standard Life's understanding of law and HM Revenue & Customs practice at date of publication. Legislation and taxation are likely to change in future.