SAFE AREA National Solidarity Bond 4 year and 10 year



Will my return be subject to tax? The bonus payable on a Bond is not subject to DIRT, Income Tax and the Bond is exempt from Capital Gains Tax in Ireland. What if I have more questions? Visit StateSavings.ie where you can read and print a detailed Frequently Asked Questions booklet and the Terms & Conditions. Alternatively call 1850 30 50 60 or send a text to 0852 30 50 60 and tell us whether you want the information by post or email (include your email or postal address).

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The main NTMA State SavingsTM products are:

Actual Before dirt NTMA State SavingsTM Products Actual After DIRT

Total Return

Gross AER1

0.25% 0.50% 1.60%

Variable Rate Ordinary Deposit Account (DEMAND)4 Deposit Account Plus (30 day notice)4 Prize Bonds - prize fund rate (WEEKLY DRAW)5

Net AER1

0.15% 0.30% 1.60%

Total Return

Fixed Rate

4% 1.32% 3 year Savings Bonds2

6% 1.47% 4 year National Solidarity Bonds2

10% 1.75% 5? year Savings Certificates2

10%

1.75%

6

year

Instalment

Savings2,3

(ALSO CHILD

FOR BENEFIT)

30% 2.66% 10 year National Solidarity Bonds2

1.32% 4% 1.47% 6% 1.75% 10% 1.75% 10% 2.66% 30%

1 AER = "Annual Equivalent Rate"

2 Tax Free ? Not subject to tax in Ireland.

3 Save in 12 monthly instalments (Max. 1,000 per month) and leave for 5 years. AER calculation assumes a 5? year average life.

4 Subject to DIRT = Deposit Interest Retention Tax (41% from January 2014).

5 Prize Bonds ? rate used to calculate prize fund commencing January 2014 is 1.60%. There are six 1 million prizes per annum and thousands of weekly prizes. No interest is paid to bond holders. Instead the interest is paid into the monthly prize fund, to be distributed to winners in the weekly draw.

SAFE AREA

See our range of NTMA State SavingsTM Brochures: 1. A Guide to NTMA State SavingsTM 2. NTMA State SavingsTM - Summary of Products 3. The National Solidarity Bond 4. Prize Bonds 5. Instalment Savings 6. Childcare Plus & Childcare Savings

For more information on NTMA State SavingsTM

Web:

StateSavings.ie

Telephone: 1850 30 50 60

SMS Text: 0852 30 50 60

E-mail:

Service@StateSavings.ie

Visit:

Any Post Office

Mail to: State Savings, GPO, FREEPOST, Dublin 1

An Post and The Prize Bond Company are agents of the National Treasury Management Agency

State SavingsTM products are subject to Terms and Conditions.

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NTMA Brochure 3 08 December 2013

National Solidarity Bond SAFEAREA 4 year and 10 year

(Issue 4)

NTMA Brochure 3 08 December 2013

An Post and The Prize Bond Company are agents of the

National Treasury Management Agency

What is the National Solidarity Bond?

? It is a fixed term, fixed rate product offered by the National Treasury Management Agency (NTMA), and available through An Post.

? You save your money directly with the Irish Government. ? Your money is under the management of the

National Treasury Management Agency (NTMA). ? With the 4 year term you earn a 6% return.

(AER1 1.47%). ? With the 10 year term you earn a 30% return.

(AER1 2.66%). ? No fees, charges or sales commissions. ? You can get your money back at anytime

subject to 7 days notice.

Are children allowed to save?

A child under 16 years can save in the National Solidarity Bond as a sole, joint, or trust applicant provided that a parent/guardian gives written consent. There are some restrictions on the child's access to the money.

Can charities, clubs and societies save?

Yes, please call us on 1850 30 50 60 or text us on 0852 30 50 60 and our representative will answer your questions and post you out the appropriate forms.

Can I hold more than one National Solidarity Bond?

Yes, you can have any number of National Solidarity Bonds in your name up to your personal maximum (250,000) per issue in the 4 year bond and your personal maximum (250,000) per issue in the 10 year bond. Holdings in Series 1 to 3 of the National Solidarity Bond do not count towards the limits in this Issue 4.

What is the return on my savings?

National Solidarity Bond 4 year (Issue 4)

Earn 6% TAX FREE after 4 years AER1 1.47% Where National Solidarity Bonds are encashed before the elapse of 4 years, the AER will be lower.

Your Savings will grow as follows:

Year 1 Year 2 Year 3 Year 4

Cumulative Bonus percentage

TAX FREE

0.15%

1.50%

3.00%

6.00%

Return on 1,000

1,001.50 1,015.00 1,030.00 1,060.00

AER1

0.15% 0.75% 0.99% 1.47%

National Solidarity Bond 10 year (Issue 4)

Earn 30% TAX FREE after 10 years AER1 2.66% Where National Solidarity Bonds are encashed before the elapse of 10 years, the AER will be lower.

Your Savings will grow as follows:

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10

Cumulative Bonus percentage TAX FREE 0.15% 0.50% 1.00% 3.00% 6.00% 8.00% 12.00% 18.00% 24.00% 30.00%

Return on 1,000

1,001.50 1,005.00 1,010.00 1,030.00 1,060.00 1,080.00 1,120.00 1,180.00 1,240.00 1,300.00

AER1

0.15% 0.25% 0.33% 0.74% 1.17% 1.29% 1.63% 2.09% 2.42% 2.66%

What is the minimum and maximum savings amount for the 4 year bond and for the 10 year bond?

The minimum purchase amount for both the 4 year bond

and the 10 year bond is 50 and the maximum holding of

each Issue is:

1 Individual

Joint 2 Individuals

4 year

250,000

500,000

10 year

250,000

500,000

Total

500,000

1,000,000

Can I have my money back before maturity?

Yes, you can request full or partial encashment of your Bond at anytime, subject to 7 days notice.

Please Note: Some of the features of Issue 4 of the National Solidarity Bond are different to Issues 1, 2 and 3. In particular, unlike those earlier issues, there are no annual payments of interest to the bond holder under Issue 4. A bonus payment is only paid to the holder upon maturity (or early encashment) of the bond.

1. AER is the Annual Equivalent Rate.

1. AER is the Annual Equivalent Rate.

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