Investments

Guaranteed Investment Plans

Your money works hard...but you can relax, your capital and a minimum return at maturity are guaranteed. Invest in a fixed term Stocks and Shares ISA or Direct Share Plan provided by Santander ISA Managers Limited.

Term	Product details
3 ¾ year Guaranteed Capital Plus (Issue 17).	17% if the FTSE™ 100 Index has stayed the same or increased by any amount at the end of 3¾ years. Or 0.25% if the FTSE™ 100 Index has fallen at the end of 3¾ years (subject to averaging over the last 6 months).
5 ½ year Guaranteed Capital Plus (Issue 17).	32% if the FTSE™ 100 Index has stayed the same or increased by any amount at the end of 5½ years. Or 0.50% if the FTSE™ 100 Index has fallen at the end of 5½ years (subject to averaging over the last 6 months).
5 ½ year Guaranteed Growth Plan (Issue 29) Stockmarket Option.	Minimum return of 10%. Or Maximum return of 50% of the growth in the FTSE™ 100 Index, up to a maximum of 50% (subject to averaging over the last 6 months).
5 ½ year Guaranteed Growth Plan (Issue 29) Property Option.	Minimum return of 10%. Or Maximum return of 50% of the growth in the Halifax House Price Index (subject to averaging over the last 7 months).

Features and benefits

100% capital and a minimum return guaranteed if held for full term (until maturity).
Potential for a higher return at maturity depending on the performance of the relevant Index.
Invest tax efficiently in a Stocks and Shares ISA (5 ½ year plans only) Minimum £1,500 - ISA limit.
Direct Share investments (i.e. outside of an ISA) minimum £1,500 – no maximum.
ISA transfers minimum £1,500 – full value.
These limited offers are available from 4 February 2010 - 3 March 2010 (and may be withdrawn earlier if sold out).

You should only consider this product if you are willing to hold it for the full term. If you need to take some or all of your money out before the end of the term, you may receive back less than you originally invested.

Please note that the relevant Index may go down as well as up and past performance is not a guide to future performance.

Our financial advisors are trained to help you understand your investment and protection needs, so why not make an appointment for a financial review.

Call us on 0808 100 3692^† to make an appointment with a financial advisor in your local branch.

Savings products summary

Or let us call you to make an appointment in your local branch at a time that suits you.

Super Direct ISA

Take advantage of tax free savings with our Alliance & Leicester cash ISA and investment growth potential from one of our partners with a 5.50% gross p.a./AER Super Direct ISA, when the same amount or more is invested into any qualifying investment product*.

Features and benefits

5.50% gross p.a./AER tax free (variable) with Super Direct ISA when you put the same amount or more into a qualifying investment*. Following advice from an Alliance & Leicester Financial Advisor.
The Super Direct ISA is only available when the same amount or more is invested into any qualifying investment product* following advice from Alliance & Leicester Financial Advisor.
Required minimum investment into a qualifying investment product £500.
The Super Direct ISA will give a preferential rate for at least 12 months.
Interest will be credited annually on 1 January.
Rates are correct as at 23.02.2009.
Offer can be withdrawn at any time.
Withdrawals from the Alliance & Leicester Super Direct ISA cash ISA element are allowed without penalty.
The same amount or more must be invested in any qualifying investment product, otherwise we may reduce the rate of interest we pay you.
Minimum investment into an Alliance & Leicester Super Direct ISA cash ISA element is £1.
Open in branch only.
Age 18+ only.

*Qualifying investments include all on sale single premium investments from our Premium, Portfolio, Capital Guaranteed product range, Pensions and excludes Child Trust Fund. Please ask an advisor for more information on qualifying investments.

Qualifying Investments*

Choosing the right investment for your own individual needs can be a challenge. However, with the right advice and a wide range of products, you can come out more knowledgeable and with peace of mind that your money is working the way you want it to.

Investment	How much do you need to invest?	How long do you need to invest for?	What are the main benefits?
Portfolio Investments - Open Ended Investment Companies (OEICs) – provided by Santander ISA Managers Limited.	£500 or more when you start the investment.	There is no fixed term, however you should consider an investment of this type to be for the medium to long term, ideally five years or more.	Invest as a one-off lump sum to give your money a chance to grow. Capital and income values may go down as well as up and are not guaranteed. You may not get back the money you invested. Each fund will have specific risks, details of which are in key features available from a Financial Advisor in branch. An Alliance & Leicester Financial Advisor will be able to provide you with details of the OEICs available.
Guaranteed Growth Plan & Guaranteed Capital Plus provided by Santander ISA Managers Limited.	Minimum investment £1,500.	Either 3 ½ or 5 ½ year fixed term(s).	The potential for your money to grow with the safety of a money-back guarantee and a minimum return at the end of the term. An Alliance & Leicester Financial Advisor will be able to provide you with details of the guaranteed products available.
Premium Investments provided by Santander Portfolio Management UK Limited.	Minimum investment £50,000.	Our elite, personalised investment service for the high value investor.	Whether you choose to invest for growth or income the fund management aim is to deliver consistent, sustainable performance.

Both capital and income values in these investment products may go down as well as up. You may get back less than you invested.

For Further Information:

Our financial advisors are trained to help you understand your investment and protection needs, so why not make an appointment for a financial review.

Call us on 0800 100 3692 to make an appointment with a financial advisor in your local branch.

Alternatively let us call you to make an appointment in your local branch at a time that suits you.

Savings products summary

Super Bond (Issue 17)

Discover short term savings from Alliance & Leicester and investment growth potential, over 3 ¾ years or more with an investment product, from one of our partners. Earn 6.00% gross p.a./AER fixed until 1 March 2011 on balances from £250,000 in a Super Bond (Issue 17), when the same amount or more is invested into any qualifying product*.

Features and benefits

Receive a great rate of 6.00% gross p.a./AER on balances from £250,000 or 5.00% gross p.a./AER from £1+ fixed until 1 March 2011 when you invest the same amount or more in a separate qualifying investment product* available through one of our partners. Terms & conditions apply.
AER assumes funds invested on 26 February 2010.
You can’t add to your Super Bond balance so pay in as much as you can at the start.
Enjoy peace of mind that you can access the whole of your super balance at any time without charge by closing your super bond. No partial withdrawals allowed.
There’s a range of qualifying investment products to choose from to meet your needs. See details below.
Minimum £1 and maximum £2 million investment into Super Bond. Minimum deposits for the qualifying investments vary depending on the chosen product. See specific product details for full details.
Super Bond (Issue 17) matures 1 March 2011.

Super rates

Summary of rates - fixed until 1 March 2011

Tier	Annual Gross p.a./AER	Monthly Gross
£1+	5.00%	4.89%
£250,000+	6.00%	5.84%

Rates correct as at 4 February 2010.

This rate is only available when you pay the same amount or more into any qualifying investment product. If you cancel the investment product or if the same amount or more is not invested into any qualifying investment product, you will no longer qualify for the enhanced rate.
Interest can be paid either on maturity or monthly on the 1st day of the month.
Full closure is allowed without notice or penalty. Partial withdrawals are not allowed. A partial withdrawal will result in the closure of the Super Bond and the account will revert to an Instant Access Account.

Savings products summary

*Qualifying investments

Choosing the right investment for your own individual needs can be a challenge. However, with the right advice and a wide range of products, you can come out more knowledgeable and with peace of mind that your money is working the way you want it to.

The table below details the qualifying investment products available. For more information on these products please speak to a financial advisor in branch.

Investment	How much do you need to invest?	How long do you need to invest for?	What are the main benefits?
Open Ended Investment Companies (OEICs) – provided by Santander ISA Managers Limited.	£500 or more when you start the investment.	There is no fixed term, however you should consider an investment of this type to be for the medium to long term, ideally five years or more.	Invest as a one-off lump sum to give your money a chance to grow. Capital and income values may go down as well as up and are not guaranteed. You may not get back the money you invested. Each fund will have specific risks, details of which are in key features available from a Financial Advisor in branch. An Alliance & Leicester Financial Advisor will be able to provide you with details of the OEICs available.
Guaranteed Growth Plan & Guaranteed Capital Plus provided by Santander ISA Managers Limited.	Minimum investment £1,500.	Either 3 ¾ or 5 ½ year fixed term(s).	The potential for your money to grow with the safety of a money-back guarantee and a minimum return if held until the end of the term. Early withdrawal is allowed, but is very likely to result in the customer getting back less than their original investment. An Alliance & Leicester Financial Advisor will be able to provide you with details of the guaranteed products available.
Premium Investments provided by Santander Portfolio Management UK Limited.	Minimum investment £50,000.	Our elite, personalised investment service for the high value investor.	Whether you choose to invest for growth or income the fund management aim is to deliver consistent, sustainable performance.

For Further Information:

Our financial advisors are trained to help you understand your investment and protection needs, so why not make an appointment for a financial review.

Call us on 0808 100 3692^† to make an appointment with a financial advisor in your local branch.

Alternatively let us call you to make an appointment in your local branch at a time that suits you.

Santander Child Trust Fund provided by Family Investments

The Santander Child Trust Fund provided by Family Investments is an easy and effective way of investing for the years ahead. It’s a flexible, easy to manage account that could make a really big difference to your child’s future.

What is a Child Trust Fund?

A Child Trust Fund (CTF) is a long-term savings and investment account that encourages parents to save for their children. When you register to receive Child Benefit you’ll receive a voucher worth at least £250 to use to open a Child Trust Fund account for your child. The account belongs to your child and only they can access the money - and only when they turn 18.

The Santander Child Trust Fund is linked to the stockmarket so the investment has potential to grow over the longer term but please note that the value of investments can fall as well as rise so your child could get back less than the amount invested. Although tax rules may change in the future, the returns are currently free from income and capital gains tax.

The Government will also contribute:

An initial £250 voucher to open your child’s account
An extra £250 will be credited to the accounts of lower income families*
Around your child’s 7th birthday, a further £250 will be credited to their account (£500 for lower income families*)

*Only children with a household income below the Child Tax Credit income threshold (£15,575 for 2008/9) will qualify for these payments.

You can add to your child’s account

The Government contributions are a great start, but to make a really big difference you can invest regular additional amounts every month or make occasional one-off payments throughout the 18 year account period. Remember, once money has been paid in, no-one can access it apart from your child, and only when they turn 18. The money in a CTF does not affect family benefit and tax credits.

Contributing to your child’s CTF is easy. You can make your payments by direct debit, cheque, telephone or Internet banking.

The good news is anyone can do it. Parents, grandparents or other friends and relatives can all contribute up to £1,200 a year between them. The account year ends on the day before your child’s birthday.

Visit Santander for more information and to apply online.

Portfolio Investments

Invest in the stock market the simple way with Portfolio Investments (OEIC funds from Santander ISA Managers Limited).

Features and benefits

Invest a lump sum from just £500 or £25 a month, with no maximum limit.
Many OEICs invest in a wide range of companies.
Exposure to the UK and/or worldwide stock markets.
Please remember that the value of an investment is not guaranteed and may go down as well as up. Exchange rate variations may cause the value of overseas investments to increase or decrease. You may get back less than you invested. You can invest your money for as long as you like, ideally a minimum of five years, or longer.

Our advisors are trained to help you understand your investment needs so why not make an appointment for a financial review.

Call us on 0808 100 3692^† to make an appointment with a financial advisor in your local branch.

Alternatively let us call you to make an appointment in your local branch at a time that suits you.

ISAs

Find out how an Individual Savings Account can earn you a higher return on your money, with tax-efficient savings from Santander ISA Managers Limited.

Features and benefits

Start with a lump sum of £500 or £25 a month.
Invest up to the annual ISA allowance* in a stocks and shares ISA each tax year.
A range of funds to choose from to suit your individual needs.
Invest for income, growth or both.
The favourable tax treatment of ISAs could be subject to future statutory change. Your capital and returns are not guaranteed. This means the value of your investment and level of income may go down as well as up, so you may not get back all you invested.
You can invest your money for as long as you like, ideally a minimum of five years, or longer. Exchange rate variations may cause the value of overseas investments to increase or decrease.
These minimums relate to Portfolio Investments.

Our advisors are trained to help you understand your investment needs so why not make an appointment for a financial review.

Call us on 0808 100 3692^† to make an appointment with a financial advisor in your local branch.

Alternatively let us call you to make an appointment in your local branch at a time that suits you.

*If you are aged over 50 or over by 5 April 2010 your annual ISA allowance is £10,200. If you are aged under 50, the limit is £7,200 this tax year.

Premium Investments

Premium Investments is our elite, personalised investment service for the high value investor.
This specialist service, provided by Santander Portfolio Management UK Limited, gives you access to expert, individual advice for long-term growth or income.
The funds are actively managed by Santander Asset Management UK Limited who utilise the expertise of some of the best fund managers from around the world.

How can it help you?
You’ll need to invest a lump sum of at least £50,000 and be happy to leave it there for five years (or ideally longer) to give it a chance to grow.
Premium Investments provides a portfolio of investment funds that is both tax efficient and tailored to your needs. Whether you choose to invest for growth or income the fund management aim is to deliver consistent, sustainable performance.
The value of investments and any income from them can go down as well as up and you may get back less than you originally invested.

Main benefits