*AER stands for Annual Equivalent Rate and is a notional rate which illustrates what the gross or tax-free rate would be if the interest was paid and compounded each year. Tax-free means the rate of interest payable where interest paid is exempt from income tax.

**Interest will be paid or credited after deduction of income tax at the lower rate of 20% or, subject to the required certification, gross.

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We will require new investors to sign any future windfall rights to a Charitable Foundation.

Page last updated on 1 May 2008.