• No partial withdrawals are permitted throughout the one year term.

• Early access to funds is permitted on account closure, when the whole balance of the Fixed Term Deposit Account will be repaid without interest.

At Maturity

• At least 30 days before the end of the one year term, Scottish Widows will send you a letter advising of your options

• If they do not receive any instruction from you, your funds will automatically be rolled over to a similar Fixed Term Deposit Account available at that time. For more information please see Terms & Conditions, number 5, on the plan brochure.

Charges

• Where you close the account and wish to withdraw your money the same day, a charge (presently £25) will be applied to cover Scottish Widow's transfer costs. Withdrawals by other forms of electronic transfer will be made free of charge. No other charges will apply to the account for standard services.

Financial Services Compensation Scheme

• Scottish Widows Bank plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. If we are unable to pay what we owe you, you may be able to get compensation of up to £50,000 from the Scheme. Most depositors including individuals and small firms, are covered. Deposits denominated in currencies are treated alike. A leaflet with further details is available on request from the scheme. Call their helpline on 020 7892 7300. Visit their website at www.fscs.org.uk Email: enquiries@fscs.org.uk or write to the Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.

Please ensure you have read and fully understand the brochure.