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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 30 August 2010.

Note: You must refer to our Important Information.

Important Information

The information listed below is correct as at 2 September 2010. Moody's ratings are correct as at 30 August 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at time of publication but are subject to the discretion of the structured deposit provider and may change or be withdrawn at short notice.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 Structured deposits have a fixed term and there are early withdrawal charges if money is withdrawn before the end of the term.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.

** "FTSE®" is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited ("FTSE") under licence. The FTSE 100 Index is calculated solely by FTSE. FTSE does not sponsor, endorse or promote these products and is not in any way connected to them and does not accept any liability in relation to their issue, operation and trading. All copyright in the index values and constituent list vests in FTSE.

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Select structured deposit provider:

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provider
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Structured
deposit
name
Strike
date
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Maturity
date
Term
Literature downloads
(* from provider's website)
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deposit
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Moody's
Rating
Guide to Credit Ratings
Structured
deposit
code
Account Code
Notes
Barclays Capital Protected Split Deposit Account - applications to be received in Dublin by 21/10/10 29/10/10 31/10/16 6 years * Brochure
* Factsheet
£50,000 Aa3 DB51
Cater Allen Private Bank Capital Guaranteed Enhanced Growth Plan 2 - applications to be received in Dublin by 15/10/10 15/11/10 17/11/16 6 years * Brochure
* Factsheet
£10,000 Aa3 DB26
Cater Allen Private Bank The Guaranteed Step-Up Income Plan - applications to be received in Dublin by 17/09/10 18/10/10 20/10/16 6 years * Brochure
* Factsheet
£10,000 Aa3 DB61
Gilliat Financial Solutions Awaiting new product details from Gilliat 00/00/00 00/00/00 TBA £TBA Aa3 DB54
Investec Structured Products (RBS version only) FTSE 100 Deposit Growth Plan 3 - applications to be received in Dublin by 24/09/10 19/10/10 19/10/15 5 years * Brochure
* Application form
£1,500 Aa3 DB45
Investec Structured Products (RBS version only) FTSE100 5 Year Deposit Plan 5 - applications to be received in Dublin by 24/09/10 23/08/10 19/10/15 5 years * Brochure
* Application form
£1,500 Aa3 DB45
Lloyds TSB Offshore Ltd OLED 1 - 3.5 year sterling deposit - applications to be received in Dublin by 08/10/10 29/10/10 06/05/14 3 years, 6 months * Brochure
£10,000 Aa3 DBxx
Lloyds TSB Offshore Ltd OLED 2 - 5 year sterling growth deposit - applications to be received in Dublin by 08/10/10 29/10/10 05/11/15 5 years * Brochure
£10,000 Aa3 DBxx
Lloyds TSB Offshore Ltd OLED 3 - 5 year sterling income deposit - applications to be received in Dublin by 08/10/10 29/10/10 05/11/15 5 years * Brochure
£10,000 Aa3 DBxx
Royal Bank of Scotland International Autopilot International - Issue 2 - applications to be received in Dublin by 03/09/10 06/10/10 08/10/15 5 years Brochure
£10,000 Aa3 DB27
Royal Bank of Scotland International Awaiting new Navigator product details from RBSI 00/00/00 00/00/00 TBA TBA Aa3 DB62
The Royal Bank of Scotland Royal Deposit Plan 5 - applications to be received in Dublin by 08/10/10 01/11/10 01/11/13 3 years * Brochure
* Flyer
* Factsheet
£3,600 Aa3 DB41
Walker Crips Structured Investments Awaiting new product details from Walker Crips 00/00/00 00/00/00 TBA TBA Aa3 DB57
Zurich Bank International Awaiting new product details from Zurich 00/00/00 00/00/00 TBA TBA A1 DB56

Important Information

The information listed below is correct as at 2 September 2010. Moody's ratings are correct as at 30 August 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.

** "FTSE®" is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE International Limited ("FTSE") under licence. The FTSE 100 Index is calculated solely by FTSE. FTSE does not sponsor, endorse or promote these products and is not in any way connected to them and does not accept any liability in relation to their issue, operation and trading. All copyright in the index values and constituent list vests in FTSE.

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