Cash Accounts

Terms for 6 Month Term Deposit Account

• Account Availability: Arbuthnot Latham Private Bank may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum investment is £5,000,000
• Term: 6 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Arbuthnot Latham Private Bank. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Arbuthnot Latham Private Bank may impose charges or penalties. Details of these charges are available from Arbuthnot Latham Private Bank on request.
• Other important information: The account is provided by Arbuthnot Latham Private Bank, registered in England and Wales with Company No. 00819519 and having its registered office at Arbuthnot House, 7 Wilson Street, London EC2M 2SN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 12 Month Term Deposit Account

• Account Availability: Arbuthnot Latham Private Bank may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum investment is £5,000,000
• Term: 12 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Arbuthnot Latham Private Bank. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Arbuthnot Latham Private Bank may impose charges or penalties. Details of these charges are available from Arbuthnot Latham Private Bank on request.
• Other important information: The account is provided by Arbuthnot Latham Private Bank, registered in England and Wales with Company No. 00819519 and having its registered office at Arbuthnot House, 7 Wilson Street, London EC2M 2SN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 18 Month Term Deposit Account

• Account Availability: Arbuthnot Latham Private Bank may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum investment is £5,000,000
• Term: 18 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Arbuthnot Latham Private Bank. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Arbuthnot Latham Private Bank may impose charges or penalties. Details of these charges are available from Arbuthnot Latham Private Bank on request.
• Other important information: The account is provided by Arbuthnot Latham Private Bank, registered in England and Wales with Company No. 00819519 and having its registered office at Arbuthnot House, 7 Wilson Street, London EC2M 2SN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 24 Month Term Deposit Account

• Account Availability: Arbuthnot Latham Private Bank may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum investment is £5,000,000
• Term: 24 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Arbuthnot Latham Private Bank. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Arbuthnot Latham Private Bank may impose charges or penalties. Details of these charges are available from Arbuthnot Latham Private Bank on request.
• Other important information: The account is provided by Arbuthnot Latham Private Bank, registered in England and Wales with Company No. 00819519 and having its registered office at Arbuthnot House, 7 Wilson Street, London EC2M 2SN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 6 months fixed term deposits

• Account Availability: Barclays Wealth may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum deposit size permitted is £20,000,000
• Term: 6 month.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Barclays Wealth. Interest rates may vary from time to time. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Barclays Wealth may impose certain charges or penalties. Details of these charges are available from Barclays Wealth on request.
• Other important information: The account is provided by Barclays Private Clients International Limited. Barclays Private Clients International Limited, part of Barclays plc, is registered in the Isle of Man. Registered Number: 005619C. Registered Office: Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ. Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission, registered with the Insurance and Pensions Authority in respect of General Business, and authorised and regulated by the Financial Conduct Authority in the UK in relation to UK regulated mortgage activities.,. Barclays Private Clients International Limited, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Private Clients International Limited, Jersey branch has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey JE4 8NE, Channel Islands. Barclays Private Clients International Limited, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Private Clients International Limited, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Private Clients International Limited, Guernsey Branch is a participant in the Guernsey Banking Deposit Compensation Scheme. The investment will be held in the name of Standard Life International in a pooled account. This means that the legal title to the investment is registered in the name of Standard Life International.
• This fixed "unbreakable" term account does not include the ability to encash, should a client invoke their cooling-off rights. As a result, Standard Life International will defer investments until after the 30-day cancellation notice period in order to satisfy the client's right to cancel the Policies in their Bond.
• Please note - interest rates could change within that 30-day period and the providers may withdraw the account without notice. 

Terms for 12 months fixed term deposits

• Account Availability: Barclays Wealth may withdraw the account without notice.
• Amount of investment: The minimum investment is £50,000. The maximum deposit size permitted is £20,000,000
• Term: 12 month.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Barclays Wealth. Interest rates may vary from time to time. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Barclays Wealth may impose certain charges or penalties. Details of these charges are available from Barclays Wealth on request.
• Other important information: The account is provided by Barclays Private Clients International Limited. Barclays Private Clients International Limited, part of Barclays plc, is registered in the Isle of Man. Registered Number: 005619C. Registered Office: Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ. Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission, registered with the Insurance and Pensions Authority in respect of General Business, and authorised and regulated by the Financial Conduct Authority in the UK in relation to UK regulated mortgage activities.,. Barclays Private Clients International Limited, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Private Clients International Limited, Jersey branch has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey JE4 8NE, Channel Islands. Barclays Private Clients International Limited, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Private Clients International Limited, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Private Clients International Limited, Guernsey Branch is a participant in the Guernsey Banking Deposit Compensation Scheme. The investment will be held in the name of Standard Life International in a pooled account. This means that the legal title to the investment is registered in the name of Standard Life International.
• This fixed "unbreakable" term account does not include the ability to encash, should a client invoke their cooling-off rights. As a result, Standard Life International will defer investments until after the 30-day cancellation notice period in order to satisfy the client's right to cancel the Policies in their Bond.
• Please note - interest rates could change within that 30-day period and the providers may withdraw the account without notice. 

Terms for 12 months fixed term deposits

• Account Availability: Cater Allen Private Bank may withdraw the account without notice.

• Amount of investment: The minimum investment is £50,000. There is no maximum investment.

• Term: 12 months.

• Withdrawals: Withdrawals are not permitted before maturity.

• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Cater Allen Private Bank. Interest rates may vary from time to time. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.

• Charges: Cater Allen Private Bank may impose certain charges or penalties. Details of these charges are available from Cater Allen Private Bank on request.

• All deposits held with Cater Allen Private Bank are fully and unconditionally guaranteed by Santander UK plc.

• Other important information: The account is provided by Cater Allen Private Bank, the trading name used for banking services provided by Cater Allen Limited. Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN. Registered in England number 383032. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.. Cater Allen Limited is part of the Santander Group of companies.

• The investment will be held in the name of Standard Life International in a pooled account. This means that the legal title to the investment is registered in the name of Standard Life International

Terms for 30 day notice

• Account Availability: Investec Bank plc may withdraw the account without notice.
• Amount of investment: The minimum investment is £25,000.
• Term: 30 day notice
• Withdrawals: you must give 30 days’ notice to withdraw funds from the account
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Investec Bank plc. Interest is calculated daily, and paid monthly or annually, depending on the option selected by you.
• Charges: Breakage is not permitted. In the event that breakage does occur Investec Bank plc may impose charges or penalties. Details of these charges are available from Investec Bank plc on request. 
• Other important information: The account is provided by Investec Bank plc a member of Investec Group. Registered in the United Kingdom, FCA No: 172330 and having its registered office at 2 Gresham Street, London, EC2V 7QP. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 6 Month Term Deposit Account

• Account Availability: Investec Bank plc may withdraw the account without notice.
• Amount of investment: The minimum investment is £25,000.
• Term: 6 Month
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Investec Bank plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not permitted. In the event that breakage does occur Investec Bank plc may impose charges or penalties. Details of these charges are available from Investec Bankplc on request.
• Other important information: The account is provided by Investec Bank plc a member of Investec Group. Registered in the United Kingdom, FCA No: 172330 and having its registered office at 2 Gresham Street, London, EC2V 7QP. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• This fixed "unbreakable" term account does not include the ability to encash, should a client invoke their cooling-off rights. As a result, Standard Life International will defer investments until after the 30-day cancellation notice period in order to satisfy the client's cooling-off rights under the Bond.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 9 Month Term Deposit Account

• Account Availability: Investec Bank plc may withdraw the account without notice.
• Amount of investment: The minimum investment is £25,000.
• Term: 9 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Investec Bank plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not permitted. In the event that breakage does occur Investec Bank plc may impose charges or penalties. Details of these charges are available from Investec Bank plc on request.  
• Other important information: The account is provided by Investec Bank plc a member of Investec Group. Registered in the United Kingdom, FCA No: 172330 and having its registered office at 2 Gresham Street, London, EC2V 7QP. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• This fixed "unbreakable" term account does not include the ability to encash, should a client invoke their cooling-off rights. As a result, Standard Life International will defer investments until after the 30-day cancellation notice period in order to satisfy the client's cooling-off rights under the Bond.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 12 Month Term Deposit Account

• Account Availability: Investec Bank plc may withdraw the account without notice.
• Amount of investment: The minimum investment is £25,000.
• Term: 12 Months
• Withdrawals: Withdrawals are not permitted before maturity.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Investec Bank plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Current interest rates are available from Standard Life International on 0345 300 4273. Call charges may vary.
• Charges: Breakage is not permitted. In the event that breakage does occur Investec Bank plc may impose charges or penalties. Details of these charges are available from Investec Bank plc on request.
• Other important information: The account is provided by Investec Bank plc a member of Investec Group. Registered in the United Kingdom, FCA No: 172330 and having its registered office at 2 Gresham Street, London, EC2V 7QP. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• This fixed "unbreakable" term account does not include the ability to encash, should a client invoke their cooling-off rights. As a result, Standard Life International will defer investments until after the 30-day cancellation notice period in order to satisfy the client's cooling-off rights under the Bond.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

• Account Availability: Metro Bank Plc, may suspend, withdraw or restrict the use of their services. Metro will make contact before taking withdrawal action and explain the reasons for withdrawal unless there is a legal reason or circumstances beyond their control to prevent them from doing this.
• The minimum balance must be £10,000 at account opening. Balances can fall below £10,000 after initial deposit.
• The maximum balance that can be held is £2,000,000. For amounts above £2,000,000 please contact your adviser.
• Term: Instant Access.
• Withdrawals: You have full access to your funds.
• The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest is calculated daily and paid monthly. No interest will be earned on any day when the balance is less than £100 at the end of the day. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: issuing a bankers cheque is £15 per item. Stopping a bankers cheque is £10 per item.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 3 Month Term Deposit Account

• Account Availability: Metro Bank Plc., may withdraw the account without notice.
• Amount of investment: The minimum investment is £10,000. The maximum investment is £50,000,000.
• Term: 3 Months 
• Withdrawals: Not generally accepted. In exceptional circumstances withdrawals may be permitted before maturity. Charges may apply.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Bespoke rates may be available for deposits in excess of £5,000,000. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Metro Bank Plc. may impose charges or penalties. Details of these charges are available from Metro Bank Plc. on request.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 6 Month Term Deposit Account

• Account Availability: Metro Bank Plc., may withdraw the account without notice.
• Amount of investment: The minimum investment is £10,000. The maximum investment is £50,000,000.

• Term: 6 Months

• Withdrawals: Not generally accepted. In exceptional circumstances withdrawals may be permitted before maturity. Charges may apply.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Bespoke rates may be available for deposits in excess of £5,000,000. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Metro Bank Plc. may impose charges or penalties. Details of these charges are available from Metro Bank Plc. on request.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 12 Month Term Deposit Account

• Account Availability: Metro Bank Plc., may withdraw the account without notice.
• Amount of investment: The minimum investment is £10,000. The maximum investment is £50,000,000
• Term: 12 Months
• Withdrawals: Not generally accepted. In exceptional circumstances withdrawals may be permitted before maturity. Charges may apply.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Bespoke rates may be available for deposits in excess of £5,000,000. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Metro Bank Plc. may impose charges or penalties. Details of these charges are available from Metro Bank Plc. on request.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 18 Month Term Deposit Account

• Account Availability: Metro Bank Plc., may withdraw the account without notice.
• Amount of investment: The minimum investment is £10,000. The maximum investment is £50,000,000
• Term: 18 Months
• Withdrawals: Not generally accepted. In exceptional circumstances withdrawals may be permitted before maturity. Charges may apply.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Bespoke rates may be available for deposits in excess of £5,000,000. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Metro Bank Plc. may impose charges or penalties. Details of these charges are available from Metro Bank Plc. on request.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

Terms for 36 Month Term Deposit Account

• Account Availability: Metro Bank Plc., may withdraw the account without notice.
• Amount of investment: The minimum investment is £10,000. The maximum investment is £50,000,000
• Term: 36 Months
• Withdrawals: Not generally accepted. In exceptional circumstances withdrawals may be permitted before maturity. Charges may apply.
• Interest: The interest rate that will apply to money in deposit accounts will be the rate applicable as at the date that cleared monies are received by Metro Bank Plc. Interest rates are fixed for the period of the deposits. Interest is paid on maturity. Bespoke rates may be available for deposits in excess of £5,000,000. Current interest rates are available from Standard Life International on 0845 300 4273. Call charges may vary.
• Charges: Breakage is not generally permitted. In the event that breakage does occur Metro Bank Plc. may impose charges or penalties. Details of these charges are available from Metro Bank Plc. on request.
• Other important information: The account is provided by Metro Bank Plc., registered in England and Wales with Company No. 6419578 and having its registered office at One Southampton Row, London, WC1B 5HA. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
• The investment will be held in the name of Standard Life International. This means that the legal title to the investment is registered in the name of Standard Life International.

This is the reference code that should be used when requesting a quote based on a particular deposit acccount, or when completing an application form.

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