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Structured Deposits available via the International Bond

This is the list of structured deposits available through the International Bond with a product charge of 0.55% pa. Please note that we are constantly reviewing the structured deposit market to ensure our panel reflects demand. If a structured deposit does not appear on our list, please contact your account manager for further information.

Please note that Moody's ratings are correct as at 3 March 2010.

Note: You must refer to our Important Information.

Important Information

The information listed below is correct as at 11 March 2010. Moody's ratings are correct as at 3 March 2010.
  1. The structured deposit tranches are available at time of publication but are subject to the discretion of the structured deposit provider and may change or be withdrawn at short notice.
  2. The capital guarantee is provided by the structured deposit provider and not by Standard Life International Limited. It is dependent on the financial security of the bank that provides the structured deposit.
  3. Standard Life International does not offer any guarantees on the structured deposit provider and are not responsible for any losses incurred as a result of investing. Nor is it responsible for the terms and conditions of each structured deposit.
  4. The return from structured deposits is dependent on the performance of the underlying investments and how this is calculated. The method of calculating the return may vary by product and it is important to understand the details of the structured deposit before investing. The value of investments can go down as well as up and you might get back less than you paid in.
  5. A structured deposit will provide some capital protection against market falls, but will potentially provide less than 100% exposure to market rises. This will depend on the terms and conditions of the structured deposit.
  6. It usually takes up to 3-5 days for money to be transferred to a structured deposit provider.
  7. Structured deposits have a fixed term and there are early withdrawal charges if money is withdrawn before the end of the term. Structured deposits should only be taken out if the client does not require access to their monies for the set term. Calculation of withdrawal charge varies by structured deposit provider. See Notes section for further details.
  8. If your client takes out an International Bond but then changes their mind within the 30 day cancellation period, there may be a charge payable to the structured deposit provider.
  9. All investment choices are made at your client's risk, so it is important that they seek appropriate financial advice. Standard Life International is not responsible for the performance or solvency of the providers of the investments available through the International Bond. In the event of a structured deposit provider being unable to meet any claims against it, any funds from your client's bond held in a structured deposit with that provider will not be covered by protection schemes such as the Financial Services Compensation Scheme (FSCS) or the Depositor's Compensation Scheme.
  10. Any International Bond commission charges and the additional 0.55% structured deposit account charge will come out of the International Bond bank account and must therefore be paid in addition to the minimum deposit account amount shown above.
  11. Details of conditions that apply for each of the providers can be found by clicking the 'Notes' link at the end of each row.

**Note: All FTSE Indices are calculated by FTSE International Limited (“FTSE”), which owns all copyright in the index values and constituent list and does not sponsor, endorse or promote this product. “FTSE” is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and used by FTSE under licence.

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Select structured deposit provider:

Structured
deposit
provider
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Structured
deposit
name
Strike
date
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Maturity
date
Term
Literature downloads
(* from provider's website)
Minimum
deposit
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Moody's
Rating
Guide to Credit Ratings
Structured
deposit
code
Account Code
Notes
Bank of Ireland Awaiting details of new product from Bank of Ireland 00/00/00 00/00/00 TBA TBA A1 DB40
Barclays Capital Four Year Protected Digital Deposit Account - applications to be received in Dublin by 23/04/10 30/04/10 30/04/14 4 years * Brochure
* Factsheet
£50,000 Aa3 DB51
Cater Allen Private Bank The Capital Guaranteed Income Plan - applications to be received in Dublin by 23/03/10 12/04/10 14/04/15 5 years * Brochure
* Factsheet
£10,000 Aa3 DB26
Gilliat Financial Solutions 50/50 Deposit Series - March 2010 - applications to be received in Dublin by 16/04/10 30/04/10 14/05/15 5 years, 2 weeks * Brochure
* Application form
£3,000 A1 DB54
Investec Structured Products (Lloyds version) FTSE 100 5 Year Deposit Plan - applications to be received in Dublin by 09/04/10 05/05/10 05/05/15 5 years * Brochure
* Application form
£1,500 Aa3 DB45
Royal Bank of Scotland International Awaiting details of new product from RBSI 00/00/00 00/00/00 TBA TBA Aa3 DB27
Walker Crips Structured Investments FTSE 100 Deposit Plan - applications to be received in Dublin by 19/03/10 31/03/10 31/03/16 6 years * Brochure
* Application form
£10,000 Aa3 TBA
Zurich (provided by Dunbar Bank) Zurich Equity Linked Growth Account 2 - applicatons to be received in Dublin by 22/03/10 01/04/10 01/04/15 5 years Brochure
Application form
Factsheet
£2,500 A1 DB42

Important Information

The information listed below is correct as at 11 March 2010. Moody's ratings are correct as at 3 March 2010.
  1. The structured deposit tranches are available at time of publication but are subject to the discretion of the structured deposit provider and may change or be withdrawn at short notice.
  2. The capital guarantee is provided by the structured deposit provider and not by Standard Life International Limited. It is dependent on the financial security of the bank that provides the structured deposit.
  3. Standard Life International does not offer any guarantees on the structured deposit provider and are not responsible for any losses incurred as a result of investing. Nor is it responsible for the terms and conditions of each structured deposit.
  4. The return from structured deposits is dependent on the performance of the underlying investments and how this is calculated. The method of calculating the return may vary by product and it is important to understand the details of the structured deposit before investing. The value of investments can go down as well as up and you might get back less than you paid in.
  5. A structured deposit will provide some capital protection against market falls, but will potentially provide less than 100% exposure to market rises. This will depend on the terms and conditions of the structured deposit.
  6. It usually takes up to 3-5 days for money to be transferred to a structured deposit provider.
  7. Structured deposits have a fixed term and there are early withdrawal charges if money is withdrawn before the end of the term. Structured deposits should only be taken out if the client does not require access to their monies for the set term. Calculation of withdrawal charge varies by structured deposit provider. See Notes section for further details.
  8. If your client takes out an International Bond but then changes their mind within the 30 day cancellation period, there may be a charge payable to the structured deposit provider.
  9. All investment choices are made at your client's risk, so it is important that they seek appropriate financial advice. Standard Life International is not responsible for the performance or solvency of the providers of the investments available through the International Bond. In the event of a structured deposit provider being unable to meet any claims against it, any funds from your client's bond held in a structured deposit with that provider will not be covered by protection schemes such as the Financial Services Compensation Scheme (FSCS) or the Depositor's Compensation Scheme.
  10. Any International Bond commission charges and the additional 0.55% structured deposit account charge will come out of the International Bond bank account and must therefore be paid in addition to the minimum deposit account amount shown above.
  11. Details of conditions that apply for each of the providers can be found by clicking the 'Notes' link at the end of each row.

**Note: All FTSE Indices are calculated by FTSE International Limited (“FTSE”), which owns all copyright in the index values and constituent list and does not sponsor, endorse or promote this product. “FTSE” is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and used by FTSE under licence.

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