Tracker Select Stocks and Shares ISA

	TRACKER SELECT STOCKS AND SHARES ISA... No health or medical questions From as little as £25 per month Qualify for 'Additonal Benefits'
	What is it? It is a Unit Linked, Stocks and Shares ISA, based on a whole of life assurance policy, which allows the money you invest to grow tax free.

	Where will my money be invested? Your money is invested in your choice from our range of Unit Funds. The premiums you pay, after charges have been deducted, are used to purchase units in the fund(s) you have selected. The investment performance of the Unit Funds will determined the value of your plan at any time.

	How much can I invest? You can invest from £250 lump sum investment or from £25 each month as a regular savings amount. The current HMRC limit on the maximum invested amount in a Stocks and Shares ISA is £7,200 per tax year.

	Who is it for? Any UK resident aged between 18 and 80, who wants to build up a tax free fund by monthly subscription or lump sum investment over the medium to long term, and is prepared to accept an element of risk concerning fluctuations in return. It is particularly suitable for investors who already have sufficient cash savings, perhaps in a Bank or Building Society account.

	What are the costs? The Society will make the following charges, which will be deducted from the unit fund:- Initial charge of 5% on each contribution you make Set up fee £10, when plan starts Annual Management Charge of 1.5% of the value of the fund In addition, the Fund Management Company will make an annual charge of up to 0.3% of the value of the fund.

	What do I get back? An illustration based on the chosen premium will be provided automatically when you take out a policy. The illustration is not a guarantee of what you will get back, it is only a guide. The amount you actually get back will depend on the performance of the underlying investments within the funds you have chosen.

	If I make monthly investments, what happens if I stop? If If you stop making the savings payments, the plan will be made “paid up” (meaning you cease paying premiums but do not cash in your plan).

	What do we mean by 'Tax-Free' or 'Tax-Exempt'? Your premiums net of charges are invested into a Tax Exempt Unit Fund. This fund pays no tax on most of its investment income and gains. The exception to this is the dividend income received from investments in UK Company shares, from which corporation tax at a current rate of 10% is deducted. The proceeds of the policy paid to you when you cash in, or to your estate should you die during the term of the policy, will be free from income and capital gains taxes. Please note that on death, the proceeds of the policy will form part of your estate and may be subject to Inheritance Tax. Taxes and legislation may change in the future. The information given here is based on our understanding of the current situation, at the date of publication. If you have any queries or concerns about your personal tax position, we recommend you consult your Tax or Financial Advisor.

	Risk Factors This Simple Guide should be read in conjunction with the key Features Document for an explanation of the risks inherent in this policy.

	Are there any other benefits ? The Society operates a Discretionary Fund, which is intended to help members pay for dental, optical and medical expenses. Policy holders become members of the Society and if they invest £1,000 or more, are eligible to claim up to £30 per year (per member and not per policy), at the discretion of the Society after one year of membership. This additional benefit is free of charge, subject to meeting the above investment criteria, but the scheme may be changed or withdrawn at any time.

	Do I need to provide any other information? In order to comply with Money Laundering legislation, the Society may require confirmation of your identity and address. We may therefore ask to see documents such as a passport or driving license and utility bills or bank statement before issuing a policy. Proof of identity may also be required at other times, including on encashment of the policy.


	What would you like to do now?
	Download a Simple Guide (PDF)* Download & Read Key Features (PDF)* Access Key Features & Quote Form (PDF)* Download an Application Form (PDF)* Request an Information Pack Please note Key Features must be read and agreed in order to receive a quote or to apply.

	Some of the features on this page (PDF files) require Adobe Reader. If your computer does not already have this software, you may download this for free by clicking the icon below*
	Or go to: Our Products Home Guide to Savings & Investments

REGISTERED OFFICE: 29 BRIDGFORD ROAD, WEST BRIDGFORD, NOTTINGHAM, ENGLAND, NG2 6AU TEL: (0115) 9814786 FAX: (0115) 9455890 Website: www.nottinghamfriendly.co.uk Email: sales@nottinghamfriendly.co.uk Nottingham Friendly Society is a brand name of Nottingham Oddfellows Assurance Friendly Society Ltd, an incorporated Friendly Society, registered in the UK No. 596F. Authorised and regulated by the Financial Services Authority, (Register Number 110033).