Structured Deposits

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Structured Deposits

The value of investments, and the income from them, can fall as well as rise, and you may not get back the full amount you invest.

A structured deposit provides exposure to financial markets with potential interest determined by the performance of the underlying market it tracks, for example the FTSE® 100 Index.

It also aims to return your initial deposit in full regardless of the performance of the underlying market as long as you hold your bond until to the end of the fixed term.

To find out more about your investment select the relevant option below. You can find the specific name of your bond in your product literature, however if you are unsure which deposit you hold or have lost your letter please get in touch.

The information held within these reports is not a valuation; any interest will not be known until maturity.

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Icon expand Autopilot Bond

You can find the specific name of your bond in your product literature, however if you are unsure which deposit you hold or have lost your letter please get in touch.

We have updated the terms and conditions for some editions of the bond.  We wrote to all affected account holders, and the new terms and conditions took effect from the date stated in the letter we sent you.  If you have any questions about this, please speak to our Specialist Banking Operations Team on 0345 600 8168.

The following information is not a valuation of your product and any interest will not be known until maturity. Please refer to your product literature for a more detailed account of how returns are calculated. Please note that all levels are displayed to two decimal places.

Name of product

Strike Date

Maturity Payment Date

Term (years)

Index

Initial Level

Observation value as at 1st September 2017

Special Edition Bond 'Autopilot'

02/07/2012

08/01/2018

5.5

Autopilot Strategy

100

114.59%

Special Edition Bond 'Autopilot'

04/09/2012

05/03/2018

5.5

Autopilot Strategy

100

111.99%

Special Edition Bond 'Autopilot'

01/11/2012

04/05/2018

5.5

Autopilot Strategy

100

110.47%

Special Edition Bond 'Autopilot'

04/01/2013

08/01/2019

6

Autopilot Strategy

100

106.26%

Special Edition Bond 'Autopilot'

15/05/2013

17/05/2019

6

Autopilot Strategy

100

106.27%

 

 

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Icon expand Index Bond

You can find the specific name of your bond in your product literature, however if you are unsure which deposit you hold or have lost your letter please get in touch.

The following information is not a valuation of your product and any interest will not be known until maturity. Please refer to your product literature for a more detailed account of how returns are calculated. Please note that all levels are displayed to two decimal places.

Name of product

Strike Date

Maturity Payment Date

Term (years)

Index

Initial Level

Level at at 1st September 2017

Index Bond

28/10/2011

03/11/2017

6

FTSE100

S&P500

5,702.24

1,285.09

7,438.50

2,476.55

Index Bond

04/05/2012

09/05/2018

6

FTSE100

5,655.06

7,438.50

Index Bond

27/06/2012

29/06/2018

6

FTSE100

S&P500

5,523.92

1,331.85

7,438.50

2,476.55

Index Bond

22/08/2012

24/08/2018

6

FTSE100

S&P500

5,774.20

1413.49

7,438.50

2,476.55

 

Re-investment Opportunities

If your product is due to mature and you would like to discuss re-investment opportunities, please call xxxx xxx xxxx and we will put you in touch with one of our Specialist Financial Advice Managers.

Important Information

  • An Index Bond can only be closed in exceptional circumstances (see Terms and Conditions for more information).If you close an Index Bond before the maturity date, you are unlikely to receive back the full amount originally invested. Partial withdrawals from the Index Bond are not permitted in any circumstances.
  • Funds invested in the Index Bond are not invested directly into the shares of the underlying listed companies of the specified Index. Instead, your funds are held in a deposit account with RBS with interest at maturity linked to the performance of the Index. As you do not invest directly in shares, you will not receive any dividend payments.
  • In the event of RBS being unable to meet its obligations (e.g. if it stops trading or becomes insolvent), you may lose some or all of your money. You may have recourse under the Financial Services Compensation Scheme
  • Please be aware that the Index Bond is designed to return your initial Deposit, in full on the Maturity Payment Date only, as long as the Bond is held until maturity. Returns over and above this are dependent on the performance of the specified index. The cost of offering this protection is accounted for in the returns you receive, hence the fixed return even in the event of excessive growth in linked index.
  • The value of the specified index can fall as well as rise, and past performance is not a guide to future performance.
  • Inflation will reduce the buying power of your money.
  • References to particular indices are included only to indicate the basis upon which growth is calculated, not to indicate any association between RBS and the third party index provider, or endorsement of the product by the index provider.

Re-investment Opportunities

If your product is due to mature and you would like to discuss re-investment opportunities, please call xxxx xxx xxxx and we will put you in touch with one of our Specialist Financial Advice Managers.

Important Information

  • An Index Bond can only be closed in exceptional circumstances (see Terms and Conditions for more information).If you close an Index Bond before the maturity date, you are unlikely to receive back the full amount originally invested. Partial withdrawals from the Index Bond are not permitted in any circumstances.
  • Funds invested in the Index Bond are not invested directly into the shares of the underlying listed companies of the specified Index. Instead, your funds are held in a deposit account with RBS with interest at maturity linked to the performance of the Index. As you do not invest directly in shares, you will not receive any dividend payments.
  • In the event of RBS being unable to meet its obligations (e.g. if it stops trading or becomes insolvent), you may lose some or all of your money. You may have recourse under the Financial Services Compensation Scheme
  • Please be aware that the Index Bond is designed to return your initial Deposit, in full on the Maturity Payment Date only, as long as the Bond is held until maturity. Returns over and above this are dependent on the performance of the specified index. The cost of offering this protection is accounted for in the returns you receive, hence the fixed return even in the event of excessive growth in linked index.
  • The value of the specified index can fall as well as rise, and past performance is not a guide to future performance.
  • Inflation will reduce the buying power of your money.
  • References to particular indices are included only to indicate the basis upon which growth is calculated, not to indicate any association between RBS and the third party index provider, or endorsement of the product by the index provider.

Re-investment Opportunities

If your product is due to mature and you would like to discuss re-investment opportunities, please call xxxx xxx xxxx and we will put you in touch with one of our Specialist Financial Advice Managers.

Important Information

  • An Index Bond can only be closed in exceptional circumstances (see Terms and Conditions for more information).If you close an Index Bond before the maturity date, you are unlikely to receive back the full amount originally invested. Partial withdrawals from the Index Bond are not permitted in any circumstances.
  • Funds invested in the Index Bond are not invested directly into the shares of the underlying listed companies of the specified Index. Instead, your funds are held in a deposit account with RBS with interest at maturity linked to the performance of the Index. As you do not invest directly in shares, you will not receive any dividend payments.
  • In the event of RBS being unable to meet its obligations (e.g. if it stops trading or becomes insolvent), you may lose some or all of your money. You may have recourse under the Financial Services Compensation Scheme
  • Please be aware that the Index Bond is designed to return your initial Deposit, in full on the Maturity Payment Date only, as long as the Bond is held until maturity. Returns over and above this are dependent on the performance of the specified index. The cost of offering this protection is accounted for in the returns you receive, hence the fixed return even in the event of excessive growth in linked index.
  • The value of the specified index can fall as well as rise, and past performance is not a guide to future performance.
  • Inflation will reduce the buying power of your money.
  • References to particular indices are included only to indicate the basis upon which growth is calculated, not to indicate any association between RBS and the third party index provider, or endorsement of the product by the index provider.

Re-investment Opportunities

If your product is due to mature and you would like to discuss re-investment opportunities, please call xxxx xxx xxxx and we will put you in touch with one of our Specialist Financial Advice Managers.

Important Information

  • An Index Bond can only be closed in exceptional circumstances (see Terms and Conditions for more information).If you close an Index Bond before the maturity date, you are unlikely to receive back the full amount originally invested. Partial withdrawals from the Index Bond are not permitted in any circumstances.
  • Funds invested in the Index Bond are not invested directly into the shares of the underlying listed companies of the specified Index. Instead, your funds are held in a deposit account with RBS with interest at maturity linked to the performance of the Index. As you do not invest directly in shares, you will not receive any dividend payments.
  • In the event of RBS being unable to meet its obligations (e.g. if it stops trading or becomes insolvent), you may lose some or all of your money. You may have recourse under the Financial Services Compensation Scheme
  • Please be aware that the Index Bond is designed to return your initial Deposit, in full on the Maturity Payment Date only, as long as the Bond is held until maturity. Returns over and above this are dependent on the performance of the specified index. The cost of offering this protection is accounted for in the returns you receive, hence the fixed return even in the event of excessive growth in linked index.
  • The value of the specified index can fall as well as rise, and past performance is not a guide to future performance.
  • Inflation will reduce the buying power of your money.
  • References to particular indices are included only to indicate the basis upon which growth is calculated, not to indicate any association between RBS and the third party index provider, or endorsement of the product by the index provider.

Re-investment Opportunities

If your product is due to mature and you would like to discuss re-investment opportunities, please call xxxx xxx xxxx and we will put you in touch with one of our Specialist Financial Advice Managers.

Important Information

  • An Index Bond can only be closed in exceptional circumstances (see Terms and Conditions for more information).If you close an Index Bond before the maturity date, you are unlikely to receive back the full amount originally invested. Partial withdrawals from the Index Bond are not permitted in any circumstances.
  • Funds invested in the Index Bond are not invested directly into the shares of the underlying listed companies of the specified Index. Instead, your funds are held in a deposit account with RBS with interest at maturity linked to the performance of the Index. As you do not invest directly in shares, you will not receive any dividend payments.
  • In the event of RBS being unable to meet its obligations (e.g. if it stops trading or becomes insolvent), you may lose some or all of your money. You may have recourse under the Financial Services Compensation Scheme
  • Please be aware that the Index Bond is designed to return your initial Deposit, in full on the Maturity Payment Date only, as long as the Bond is held until maturity. Returns over and above this are dependent on the performance of the specified index. The cost of offering this protection is accounted for in the returns you receive, hence the fixed return even in the event of excessive growth in linked index.
  • The value of the specified index can fall as well as rise, and past performance is not a guide to future performance.
  • Inflation will reduce the buying power of your money.
  • References to particular indices are included only to indicate the basis upon which growth is calculated, not to indicate any association between RBS and the third party index provider, or endorsement of the product by the index provider.
Helping you invest Frequently Asked Questions

Will I receive a regular performance statement?

Shortly after each anniversary of your Bond, you will receive an annual update which provides information on the underlying markets linked to your investment.

What do I do if I have not received a performance statement?

If after 21 working days you have still not received your annual update, please contact the Structured Deposit Helpdesk to reorder one.

What do I do if I want to cancel my bond?

After the Start Date cancellations are only made in exceptional circumstances such as bereavement, divorce/dissolution of a civil partnership or financial difficulties. If you decide to cancel before the Maturity Date you may not get back your initial investment amount. The amount you get back is dependent on prevailing markets conditions at that time. All cancellations will be processed in line with the Terms and Conditions. Should you need to cancel your bond before the Maturity Date you should do this by contacting the Structured deposit helpdesk on 0345 600 8168.

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