StateSavings...3 2 4 4. Terms and Conditions State Savings Products are subject to Maximum Holding...

32

4

4. Terms an

d Condition

s State Savin

gs Products are subject to M

aximum

Holdin

g Lim

its, other Term

s and C

ondition

s and relevan

t legislation

. You m

ay fin

d our Terms an

d Con

ditions

booklet onlin

e and in

Post Offi

ces.

5. Contact U

s Please con

tact us for furth

er inform

ation at 1850 30 50

60, (Mon

day to Friday). Additional con

tact details are on

Page 6.

How

mu

ch can

I buy?

Prize Bon

ds are sold in units of €6.25 each

.

The m

inimum

purchase is €25 (4 units).

The m

aximum

holdin

gs of Prize Bon

ds new

ly registered in

your name on

or after 1 Novem

ber 2015 is €250,0

00. Th

ere is n

o limit on

holdin

gs registered in your nam

e prior to 1 N

ovemb

er 2015.

For further Term

s & C

ondition

s relating to lim

its please see section

3 on reverse of application

form.

You can

encash

Prize Bon

ds at any time on

ce 90 days have elapsed sin

ce you purchased th

em.

A ch

ance to w

in every w

eek

You are eligible to w

in every w

eek for as long as you

hold

the b

onds. You

may h

old Prize Bon

ds indefi

nitely. There are

thou

sands of cash

prizes to be w

on in

every weekly draw

.

Win

nin

gs are tax free

Winnin

gs are not subject to any tax in

Ireland.

The Prize B

ond draw

The draw

takes place every week u

sually on

a Friday. Prize B

onds are au

tomatically en

tered into every draw

an

d there are th

ousan

ds of cash prizes each

week.

A €1 M

ILLION

prize is awarded in

the last w

eekly draw in

Jun

e and D

ecemb

er. The top prize in

all other w

eekly draws

is €50,00

0. The N

TMA

reserves the righ

t to amen

d the

numb

er and valu

e of prizes at any time.

How

is the Prize Fu

nd calcu

lated?

The value of the mon

thly prize fund is recalculated at the start of each m

onth by applying a variable in

terest rate (currently

0.50%) to the value of all Prize B

onds outstanding at the end

of the previous mon

th. A

t any time the N

TMA

can amend the

variable percentage rate used to calculate the prize fund, can

change the value of prizes and the prize structure. A

ny such

change will be advertised in the m

ainstream m

edia and on

StateSavings.ie

Notifi

cation of Prizes

All Prize B

ond w

inners are n

otified by p

ost.

A full list of w

inning num

bers is available on

our website

StateSavings.ie

If you require furth

er inform

ation ab

out your w

inning Prize

Bon

ds please contact u

s (see page 6 for contact details).

Prize Payment O

ptionW

ith effect from

February 2020 prize paym

ents by ch

eque

will cease. Prizes w

ill be au

tomatically reinvested in

to new

Prize B

onds. Sh

ould you w

ish for prizes to b

e lodged to a bank accoun

t in your nam

e please complete details in

Section

4 on th

e Prize Bon

ds Application

Form.

103103

10294

94103

99

• State Savings form part of the N

ational Debt of Ireland

which is m

anaged by the National Treasury M

anagemen

t A

gency (NTM

A).

• Wh

en you

save with

State Savings you

are placing your

mon

ey directly with

the Irish

Governm

ent.

• The repaym

ent of all State Savin

gs mon

ey is a direct, un

conditional obligation

of the Irish

Governm

ent.

• Repaymen

t of your mon

ey inclu

des principal, in

terest an

d bonu

s paymen

ts if due.

Wh

at are State Savings?

How

can I bu

y Prize Bon

ds?•

Call in

to any Post Offi

ce

• O

nline at StateSavin

gs.ie

• B

y phon

e

The com

plete range of State Savin

gs products are listed on

our w

ebsite StateSavings.ie

1. Existin

g Custom

ers

Existing State Savin

gs custom

er for wh

om w

e already have the

necessary Eviden

ce of Identity docum

entation

may purchase

online, by m

ail or at any Post Offi

ce.

2. New

Customers or last purchase w

as completed before

October 2014

a. Please provide Original or Certifi

ed copies of each of the follow

ing:

• Proof of name (Curren

t Passport or EU D

riving Licence)

• Proof of address issued within last six m

onths (H

ousehold Bill, Bank Statem

ent, Letter from

Revenue Com

missioners)

• Proof of PPSN (Public Services C

ard, Letter from Revenue

Com

missioners or D

EASP)

b. Com

plete Application

Form

c. Brin

g all documen

tation to your local Post O

ffice or forw

ard to th

e address detailed on page 6.

d. For Joint A

pplications, b

oth cu

stomers n

eed to attend at th

e Post O

ffice for ID

Verifi

cation

3. State Savings Cu

stomer N

um

ber (SSCN

)Th

e State Savings Cu

stomer N

umb

er (SSCN

) is a unique

custom

er numb

er that identifi

es you an

d enables you

to transact w

ith u

s easily. Your SSCN

may b

e printed

on corresp

onden

ce you receive from

us. See

ww

w.Statesavin

gs.ie/SSCN

for more details.

SSCN

* Title

* First name(s)

Middle name

* Surname

* PPSN

* Date of birth

* Address line 1

* Address line 2

Address line 3

* County

Eircode

Contact Phone no.

E-mail address

All correspondence will be sent to the address in Panel 1 Panel 1 First named holder Panel 2 Second named holder

DD DDMM MMYYYY YYYY

Mr Mrs Ms OtherMiss Mr Mrs Ms OtherMiss

See Note 3, Page 2. See Note 3, Page 2.

PERFPERF

As of the 1st of January 2020 prizes may be reinvested in new Prize Bonds or may be paid directly to your bank account.

Transfer directly to your SEPA Bank Account OR Reinvest in Prize Bonds.

ARE THESE BONDS A GIFT (PLEASE TICK)

SEPA DIRECT DEBIT MANDATEUNIQUE MANDATE REFERENCE (OFFICE ONLY)

CREDITOR IDENTIFIER

BANKS/BUILDING SOCIETIES MAY DECLINE TO ACCEPT INSTRUCTIONS TO PAY DIRECT DEBITS FROM SOME TYPES OF ACCOUNTS

THE PRIZE BONDS COMPANY DAC, FLOOR 3B, GPO, O’CONNELL STREET LOWER, DUBLIN 1, IRELAND, D01 F5P2.

I E 1 9 Z Z Z 3 0 0 6 8 1

YD D M M Y Y YDATE OF SIGNATURE(S)*

SIGNATURE(S) OF BANK ACCOUNT HOLDER(S)*(AUTHORISED SIGNATORIES ON DEBTORS BANK ACCOUNT TO THE LEFT)

2.

1.

P Z B

PRIZE BOND HOLDER(S) (1) NAME (IF DIFFERENT FROM A/C HOLDER(S) OVERLEAF)

PRIZE BOND HOLDER(S) (1) ADDRESS (IF DIFFERENT FROM A/C HOLDER(S) OVERLEAF)



VALUE OF PAYMENT* € . M M Y Y(FIRST PAYMENT FROM)

Y N

By signing this mandate form, you authorise (A) NTMA and/or its agents including The Prize Bonds Company to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instruction from NTMA and/or its agents including The Prize Bonds Company.

As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited.

Note: your rights regarding the above mandate are explained in a statement that you can obtain from your bank.

PLEASE COMPLETE ALL THE FIELDS FOLLOWING MARKED*

NAME(S) OF BANK ACCOUNT HOLDER(S)* (Name on Debtor’s Account)

BANK ACCOUNT HOLDER(S) ADDRESS*

COUNTRY*

PRIZE BOND CUSTOMER ACC. NO.

BANK ACCOUNT HOLDER(S) IBAN NUMBER*

BANK ACCOUNT HOLDER(S) IDENTIFER CODE - BIC/SWIFT*

CREDITORS NAME(PLEASE RETURN TO)

PLEASE ENTER THE IBAN NUMBER FROM TOP LEFT HAND BOX

TYPE OF PAYMENT: RECURRENT PAYMENT

THE MAXIMUM DIRECT DEBIT AMOUNT IS €1,000.00

EIRCODE

EIRCODE

CITY & EIRCODE

NATIONAL TREASURY MANAGEMENT AGENCY

Section 1 – Existing Holders of Prize Bonds We will link your existing holdings to this purchase

Section 3 – Prize Bond Holder(s) Details

Section 4 – Method of Payment, Source of Funds, Prize Payment Options (Cheques to be made payable to NTMA State Savings).

Section 2 – Type of Holder

DATE STAMP

Prize Bonds Application Form1 November 2019

Existing Holders of Prize BondsPlease enter your Prize Bond (Customer) Account Number.

Joint ApplicantsIn the case of joint applicants, please quote the Prize Bond Customer Number (if available) which refers to a previous holding by both applicants.

(8 Numeric) (3 Alpha)

Please tick type of holding required above

Do you already hold Prize Bonds Yes No

Previous Prize Bond No.

*THIS SECTION MUST BE COMPLETED

Prize Payment Options (Select one option only) With effect from February 2020 cheque prize payments will cease. If neither of the options below is selected, prizes will be automatically reinvested into new Prize Bonds.

BIC

IBAN

Name of Bank

Bank Address

*Method of Payment Cheque Cash Debit Card

*Number of units (at €6.25 each)

*Value €, .

Note: The maximum individual cumulative holding of Prize Bonds newly registered in your name on or after 1 November 2015 is €250,000.

All fields marked with an asterisk must be completed in order to purchase State Savings Products.

Signature of 1st Named Holder Date Signature of 2nd Named Holder Date

I/We would like prizes automatically reinvested into Prize Bonds

Consent Signature of nominated Parent/Guardian for a Minor (aged less than 18)Name (Block Letters)

Signature

SoleComplete Section 3 Panel 1

Minor aged less than 18 yrs JointComplete Section 3Panels 1, 2

*Source of Funds (Please tick appropriate option below)

Personal Savings Prize Bonds

Inherited Funds Other – Please specify

Section 5 – Checklist for Documentation - see brochure page 2, note 2 for further detail.

Completed Application Form Proof(s) of Name Proof(s) of Address Proof(s) of PPSN Please refer to StateSavings.ie for further details or contact 1850 30 50 60 Monday to Friday.

A copy of a bank statement verifying the account on which the Direct Debits are to be drawn must be enclosed with this form.

FOR OFFICIAL USE ONLY

RECEIPT NO. GROF

Office Name

PLEASE ENDORSE ALL CHEQUES WITH THE RECEIPT NUMBER

Signature of Officer:

Date:

Individual AmountsMinimum – Maximum

€25 €250,000

I/We would like prizes lodged to my/our SEPA Bank Account. Please provide details below

Section 6 – Declaration and Signature I/We have read and accept the General Terms and Conditions and the Specific Conditions dated 16 April 2018 including the use of my/our PPSN. Please sign and date.

Gift Purchases If you are purchasing as a gift please use the Gift Purchase Application form Brochure 5A.

You

can

slee

p so

undl

y, a

nd y

ou c

an st

ill d

ream

.5

ARE THESE BONDS A GIFT (PLEASE TICK)

SEPA DIRECT DEBIT MANDATEUNIQUE MANDATE REFERENCE (OFFICE ONLY)

CREDITOR IDENTIFIER

BANKS/BUILDING SOCIETIES MAY DECLINE TO ACCEPT INSTRUCTIONS TO PAY DIRECT DEBITS FROM SOME TYPES OF ACCOUNTS

THE PRIZE BONDS COMPANY DAC, FLOOR 3B, GPO, O’CONNELL STREET LOWER, DUBLIN 1, IRELAND, D01 F5P2.

I E 1 9 Z Z Z 3 0 0 6 8 1

YD D M M Y Y YDATE OF SIGNATURE(S)*

SIGNATURE(S) OF BANK ACCOUNT HOLDER(S)*(AUTHORISED SIGNATORIES ON DEBTORS BANK ACCOUNT TO THE LEFT)

2.

1.

P Z B





VALUE OF PAYMENT* € . M M Y Y(FIRST PAYMENT FROM)

Y N

By signing this mandate form, you authorise (A) NTMA and/or its agents including The Prize Bonds Company to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instruction from NTMA and/or its agents including The Prize Bonds Company.

As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited.

Note: your rights regarding the above mandate are explained in a statement that you can obtain from your bank.

PLEASE COMPLETE ALL THE FIELDS FOLLOWING MARKED*

NAME(S) OF BANK ACCOUNT HOLDER(S)* (Name on Debtor’s Account)

BANK ACCOUNT HOLDER(S) ADDRESS*

COUNTRY*

PRIZE BOND CUSTOMER ACC. NO.

BANK ACCOUNT HOLDER(S) IBAN NUMBER*

BANK ACCOUNT HOLDER(S) IDENTIFER CODE - BIC/SWIFT*

CREDITORS NAME(PLEASE RETURN TO)

PLEASE ENTER THE IBAN NUMBER FROM TOP LEFT HAND BOX

TYPE OF PAYMENT: RECURRENT PAYMENT

THE MAXIMUM DIRECT DEBIT AMOUNT IS €1,000.00

EIRCODE

EIRCODE

CITY & EIRCODE

PTO for Direct Debit details

NATIONAL TREASURY MANAGEMENT AGENCY

Notes

103

103

102

9494

103

99PE

RF

PERF Mail this form to – State Savings, GPO, Freepost, Dublin 1, D01 F5P2

Thou

san

ds o

f ch

ance

s of

w

inn

ing

ever

y w

eek

Each

indi

vidu

al P

rize

Bond

you

hol

d w

ill b

e en

tere

d in

to

the

wee

kly

priz

e dr

aw.

Ther

e ar

e th

ousa

nds

of t

ax-f

ree

cash

priz

es e

very

wee

k.

The

mor

e Pr

ize

Bond

s yo

u ho

ld, t

he m

ore

chan

ces

you

ha

ve o

f win

ning

.

The

priz

es a

re:

The

top

priz

e in

th

e la

st d

raw

in Ju

ne

and

Dec

emb

er is

€1

MIL

LIO

N a

nd

in e

very

oth

er w

eekl

y dr

aw t

he

top

priz

e is

€50

,000

.

Wee

kly

Priz

es

€

1,00

0 x

10

priz

es

€500

x

10

priz

es

€50

x A

ll ot

her

pri

zes

6

NTM

A B

roch

ure

51

Nov

201

9

SAFE

ARE

A

An

Post

an

d th

e Pr

ize

Bon

d Co

mpa

nyar

e ag

ents

of t

he

Nat

iona

l Tre

asur

y M

anag

emen

t A

gen

cy

To b

e w

on tw

o tim

es e

ach

year

an

d th

ousa

nds

of c

ash

priz

es

ever

y w

eek.

1. Evidence of Identity

1.1 You are required to confirm your identity to us (including your surname, first name, date of birth and address) for the purposes of:

(a) the Agreement (including any Transaction);

(b) the administration of your Product(s) and any other State Savings Product(s) that you may hold now or in the future, and

(c) associated legal purposes, including compliance with statutory anti-money laundering obligations and account security and fraud prevention.

1.2 We may verify your identity:(a) electronically (by reference to information supplied

by you, including your Personal Public Service Number (PPSN)); or

(b) manually (by reference to acceptable original or certified copy documentation supplied by you, which may include documents such as your current passport, current EU driving licence, recent utility bill, recent account statement from a bank, building society or credit union, and/or your Public Services Card or other official documentation issued to you by the Revenue Commissioners or the Department of Employment Affairs and Social Protection).

(c) where you have not provided evidence of your identity to our satisfaction, we will advise you and we will not proceed with your application to purchase the Product until evidence of your identity has been verified to our satisfaction. For the avoidance of doubt, no interest, bonus or other amount shall accrue in respect of a Product during the period when evidence of identity is being verified under this condition.

2. Personal Data 2.1 The NTMA is the Data Controller (for the purpose

of the General Data Protection Regulation (GDPR)) for all personal data supplied by you. The Minister for Finance and the NTMA are each a ‘specified body’ for the purposes of sections 262 to 270 and schedule 5 of the Social Welfare Consolidation Act 2005, as amended, under which the NTMA and the Minister for Finance are both authorised to process personal data including PPSNs for certain purposes.

2.2 We will collect, process and use personal data relating to you, including your PPSN and the information referred to in Note 1 (Evidence of Identity):

(a) as necessary for the performance of the Agreement (including any Transaction);

(b) for the administration of your Product(s) and any other State Savings Product(s) that you may hold now or in the future, and

(c) for associated legal purposes, including compliance with statutory anti-money laundering obligations and account security and fraud prevention,

2.3 You acknowledge the collection, processing and use of your personal data (including your PPSN) for the purposes as outlined in 1.2.

2.4 Personal data may be processed by us, our Agents, and any third party service providers acting on our behalf for the purposes of the Agreement and for associated legal purposes and for any other purpose required for or reasonably incidental to the performance of the Agreement.

2.5 We will retain your personal data for as long as you have a holding with State Savings and otherwise in accordance with applicable data protection law and statutory obligations (including under anti-money laundering legislation).

2.6 Subject to your consent, your personal data may be used by us, or our Agents, for the purpose of marketing State Savings Products. Where you hold more than one Product, the preferences indicated most recently by you will apply to all Products held by you to which the General Terms and Conditions apply.

2.7 You have the right to request access to and a copy of your personal data held by us in accordance with the GDPR, to have your personal data corrected where it is inaccurate or misleading, to have your personal data erased, to object to the processing of your personal data by us, to request data portability in relation to your personal data. Should you wish to avail of any of these rights, please contact the Data Privacy Office, State Savings, GPO, FREEPOST, Dublin 1, D01 F5P2.

You also have the right to lodge a complaint with the Office of the Data Protection Commissioner. See www.dataprotection.ie for more information.

3 Limits3.1 Prize Bonds are sold in units of €6.25. There is a

minimum purchase of €25 (4 units). Please note that purchases of Prize Bonds cannot be registered or entered into the weekly draw until the necessary verification requirements have been completed (note 1).

3.2 The maximum holding limit for Prize Bonds added to the Prize Bond Register in your name on or after the 1 November 2015 is €250,000.

3.3 The maximum holding limit for Prize Bonds added to the Prize Bond Register in joint names on or after the 1 November 2015 is €500,000.

3.4 For the purposes of calculating a Joint Holders maximum holding limit in Prize Bonds newly registered on or after the 1 November 2015 the amount held jointly will be deemed to be owned in equal proportion by each Joint Holder and will be divided equally between each of the Joint Holders.

3.5 Transfers resulting from inherited holdings are allowed to exceed the maximum holding limit but all other transfers are subject to the maximum holding limit.

3.6 You may, within 30 days of the draw date in which you win a prize, re-invest your Prize Bond winnings into new Prize Bonds. Prize Bond winnings that are reinvested into Prize Bonds are exempt from Maximum Holding Limit. See also 3.7.

3.7 For the purposes of calculating any individual’s aggregate maximum holding limit in Prize Bonds, any bonds held in accordance with conditions 3.5 and or 3.6 will be added to any bonds that individual purchased on or after the 1 November 2015. If this calculation causes an individual to reach or exceed the maximum holding limit, no further Prize Bonds will be registered for that individual.

3.8 Where you encash Prize Bonds and use the proceeds to purchase new Prize Bonds this new purchase will be subject to the limits.

3.9 Where an application to purchase Prize Bonds is received that will result in any individual party to the application breaching their maximum limit, in this case the holder will be contacted by the Prize Bond Company and advised of our procedures and your options.

Other Notes

4 Prize Bonds are offered by the National Treasury Management Agency (NTMA) on behalf of the Minister for Finance. The Prize Bonds Company DAC acts as agent of the NTMA in the operation of the Prize Bonds Scheme.

5 The NTMA and its agent The Prize Bonds Company reserves the right at their sole discretion to decline any purchase application and to refund the purchase amount to the Prize Bond applicants.

6 If you are purchasing Prize Bonds at a Post Office you will be given a Receipt of Purchase. The actual Prize Bond Certificate will be forwarded direct by post to the named Bondholder(s) within 10 working days on condition that the necessary verification requirements have been completed (note 1).

7 Prize Bonds may be registered in one or two names jointly, but not in more than two names. Do not enter collectives such as ‘Family’ etc. You must ensure you have full Name(s) and Address(es) and Date of Birth.

8 If you are purchasing Prize Bonds as a gift please use the Gift Purchase Application Form (Brochure 5A)

9 If you are purchasing Bonds in your own name, please sign the form. For joint purchases we require both signatures.

10 The Prize Bond Certificate, bearing the Serial Numbers of the bonds will be sent direct to the registered Bondholder(s), who should retain them safely for future reference. In the case of a joint holding, the Prize Bonds will be sent to the first named holder.

11 Prize Bonds can be held indefinitely, but must be held for a minimum of 90 days. All prize winners are notified by post at their current registered address. Bondholder(s) must complete the Change of Address Form which is available from www.statesavings.ie

12 This purchase form fully completed and signed can be handed in with the appropriate remittance to any Post Office. Purchases are accepted by cash, Debit Card, cheque (made payable to NTMA State Savings) or by monthly direct debit. Alternatively, you can send your application and remittance by post.

13 In the event of winning a prize you will be notified by post.

You can choose to have your prize(s):

(a) lodged to your bank account.

(b) reinvested in Prize Bonds. Your new Prize Bonds will be forwarded by post

See application form, section 4.

14 The value of the monthly prize fund is recalculated at the start of each month by applying a variable interest rate (currently 0.50%) to the value of all Prize Bonds outstanding at the end of the previous month. No interest is paid to Bondholders. Instead the interest is paid into the monthly prize fund, to be distributed to winners in the weekly draw.

The NTMA can amend the number and value of prizes at any time and any changes to the rate or prize structure will be advertised in the main daily newspapers and on www.StateSavings.ie.

15 For Direct Debits please complete and sign the SEPA Direct Debit mandate form specifying the BIC and IBAN number of the account from which the debits are to be made. Details of the amount of the debit should be entered on the back of the form. A copy of a bank statement verifying the account on which the Direct Debits are to be drawn must be enclosed with the form. You will be advised of the unique reference number and start date on which the recurring monthly deductions will commence.

16 Where payment is not received or fails to clear, the relevant bonds will be cancelled and no prizes will accrue.

17 The prize winnings are not subject to tax but you may have other tax liabilities depending on your specific circumstances (i.e. gifts/inheritance). We would therefore recommend that you consult your tax advisor.

Contact details for State Savings – Prize Bonds

Telephone: 1850 30 50 60/ +353 1 705 7200

SMS Text: 0852 30 50 60

Email: [email protected]

Web: www.StateSavings.ie

Telephone purchases using a Debit Card can be made at Callsave 1850 30 50 60.

Mail application forms to: State Savings, GPO, Freepost, Dublin 1, D01 F5P2

For repayments, change of address, prize claims and general correspondence mail to:

State Savings, Prize Bonds, Fexco Centre, Killorglin, Freepost, Co. Kerry, V93 WN9T.

IMPORTANT

Before completing this Application Form and in particular Section 6‘Declaration and Signature’ you must read the Notes on this page.

NTM

A B

roch

ure

51

Nov

201

9

SAFE

ARE

A

The

mai

n St

ate

Savi

ngs

Prod

ucts

are

:

Stat

e Sa

vin

gs p

rodu

cts

are

subj

ect

to T

erm

s an

d Co

ndi

tion

s an

d re

leva

nt

legi

slat

ion

.

For

mor

e in

form

atio

n o

n S

tate

Sav

ings

Web

: St

ateS

avin

gs.ie

Te

lep

hon

e:

1850

30

50 6

0 /

+353

1 7

05 7

200

SMS

Text

: 08

52 3

0 50

60

E-m

ail:

Serv

ice@

Stat

eSav

ings

.ie

Vis

it:

An

y Po

st O

ffice

M

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o:

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T (D

epos

it In

tere

st R

eten

tion

Tax

) at t

he p

reva

iling

rate

.5 P

rize

Bon

ds –

The

var

iabl

e ra

te u

sed

to c

alcu

late

pri

ze fu

nd is

0.5

0%. T

here

are

tw

o €1

m

illio

n pr

izes

per

ann

um a

nd th

ousa

nds o

f wee

kly

priz

es. N

o in

tere

st is

pai

d to

bon

d ho

lder

s. In

stea

d th

e in

tere

st is

pai

d in

to th

e m

onth

ly p

rize

fund

, to

be d

istr

ibut

ed to

w

inne

rs in

the

wee

kly

draw

. 6 V

aria

ble

Rate

mea

ns th

at th

e in

tere

st ra

te p

aid

on th

is P

rodu

ct m

ay b

e ch

ange

d by

the

NTM

A fr

om ti

me

to ti

me.

Suc

h ch

ange

s will

be

noti

fied

by

at le

ast o

ne o

f the

follo

win

g m

etho

ds: d

irec

t not

ifica

tion

to y

ou b

y po

st, p

ublic

atio

n in

a n

atio

nal n

ewsp

aper

, pu

blic

atio

n on

Sta

teSa

ving

s.ie

or n

otifi

cati

on b

y an

y ot

her m

eans

.

Bro

chu

res

and

App

licat

ion

For

ms

for

Stat

e Sa

vin

gs P

rodu

cts

lis

ted

abov

e ar

e av

aila

ble

in a

ny

Post

Offi

ce o

r on

line

at

Stat

eSav

ings

.ie. S

tate

Sav

ings

pro

duct

s ar

e su

bjec

t to

Ter

ms

an

d C

ondi

tion

s an

d re

leva

nt

legi

slat

ion

. You

may

fin

d ou

r

Term

s an

d C

ondi

tion

s b

ookl

et o

nlin

e an

d in

Pos

t O

ffice

s.

StateSavings...3 2 4 4. Terms and Conditions State Savings Products are subject to Maximum Holding...

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Transcript of StateSavings...3 2 4 4. Terms and Conditions State Savings Products are subject to Maximum Holding...