Personal 3 Year Bond Account 4.66% Fixed - Issue 10

• Accounts cannot be opened with balances below £1,000
• Interest is calculated daily
• Interest will be paid annually with reference to the date of receipt of your first deposit and credited to your account
• Where we pay interest annually, your AER and gross rate will be the same
• All our interest rates are available at www.oxbury.com

No. This account has a fixed rate of interest, so the rate will not change during the term.

Below is an example of what the future balance might be for an account balance of £1,000 with interest paid annually. We have also shown the estimated balance for a £50,000 deposit. The projection is provided for illustrative purposes only and does not take into account individual circumstances.

The estimated balance projections assume that:

• The account is opened with the amount stated and interest starts being earned straight away
• No further deposits or any withdrawals are made
• The accrued interest is paid out at maturity

• To open this account you will need to apply from a desktop, laptop or tablet device.
• Once you have applied for your account you will then need a smartphone to use our iOS or Android App to access the Oxbury Online Banking platform. Android users will need to log in using the authenticator app and a separate device to access their Online Banking platform.
• Accounts can be opened on an individual basis
• You can open this account with a minimum deposit of £1,000. The maximum amount that can be held in the account is £500,000
• Have a UK current account in your name, this will be the account you use to make payments in and out of your Oxbury savings account. This will be known as your 'Linked Account'
• You will have 14 days from the account being opened to fund your account, after this period of time no further deposits will be accepted
• If the minimum account balance of £1,000 has not been reached during this 14 day period the account will be automatically closed and any funds returned to your Linked Account
• You will need your current account sort code and account number to open your new savings account, this will become your Linked Account. You can only transfer money in and out of your Oxbury account from and to your Linked Account
• The minimum device requirements are for iPhones running iOS 12.4. or above or Android devices running Android 7 (Nougat) or above

No. You cannot make withdrawals from a Fixed Rate Bond before the end of the fixed term. We will contact you at least 30 days before your account matures to explain your options and next steps.

At maturity you can either give us an instruction to open a new account with Oxbury or give us an instruction to return your money to your Linked Account.

In the event we do not receive any instructions from you we will convert your fixed terms savings account to an Bond Maturity Rollover Account and send you an updated Product Summary and details on how to access your savings.

AER stands for Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded once each year.

Accounts can be withdrawn from sale to new customers at any time and without notice.

We pay all savings interest gross, which means no tax is deducted.