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Capital access bond

A secure investment solution

The NFU Mutual Capital Access Bond is a with-profit bond that offers a secure haven in times of stock market volatility. It can be taken out with a minimum opening investment of £25,000 or more with your capital secure at all times.

For simplicity and your convenience, the whole arrangement is run entirely by post.

The capital access bond at a glance

	Attractive bonus rates (see the table below)
	Higher rates for larger investments
	Capital security
	Penalty-free access to your savings
	Minimum initial investment of £25,000 (£20,000 for investments between 1st May 2006 and 1st February 2007 and £5,000 prior to 1st May 2006)
	The facility to top up your investment at any time - minimum £500
	Regular statements
	24 hour bonus rate message line - 0800 072 6060
	Non taxpayers are unable to claim tax credits in respect of tax paid on this investment.
	Tax payers may be liable to tax on withdrawals from the bond, depending on their financial circumstances at the time.
	You should remember that future inflation could erode the value of your investment.

CAB Bonus Rates

Fund Value	Interim bonus rate p.a. (net of basic rate tax)	Equivalent gross interest % (necessary from a bank / building society p.a. to a basic rate taxpayer)	Equivalent gross interest % (necessary from a bank / building society p.a. to a higher rate taxpayer)
£5,000 - £24,999	1.150%	1.438%	1.533%
£25,000 - £49,999	1.300%	1.625%	1.733%
£50,000 - £99,999	1.600%	2.000%	2.133%
£100,000 - £249,999	1.700%	2.125%	2.267%
£250,000 - £499,999	1.950%	2.438%	2.600%
£500,000 +	2.000%	2.500%	2.667%

Notes about the bonus rates

	Rates are subject to change and apply with effect from 1st January 2009.
	Rates are variable and can change downwards as well as up.
	"Interest" in the form of a provisional "interim bonus" is added daily.
	These rates are Annual Equivalent Rates.
	Interim bonuses are paid from a fund on which NFU Mutual pays tax.
	You should remember that in a bank or building society account your money is always secure and readily accessible.

Full details about the Capital Access Bond can be found in the Key Features Document which is available on request.

The above is based on NFU Mutual's understanding of HMRC practice and legislation which are subject to change.

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