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Expat Investor : March 2008
OFFSHORE BANKING March 2008 EXPAT INVESTOR 7 Fast Facts 33003 * Online Application Process is defined for the purpose of this advertisement as a process enabling the customer to contract electronically and submit an application online without having to print, sign and post a paper application form. **On balances of £1+. Includes 0.50% premium for making no more than 3 withdrawals in 1 April - 31 March. ***Gross rate 5.40% PA, minimum balance £5,000. ****Gross rate 5.13% PA, paid monthly, minimum balance £10,000, Premier Customers only. Standard rate is 4.84% gross PA, paid monthly (AER 4.95%). †Online application process only available to existing HSBC Bank International customers. eSaver Offshore Alliance & Leicester International: Full terms and conditions available on our website. Account must be applied for and operated online. No need to print and post paper application form. E-mail address is compulsory. Minimum opening deposit £1,000. Account must be opened with money that is not already deposited with the bank. Maximum balance £1,000,000. Withdrawals available without notice or interest charge. Minimum withdrawal £1,000. Withdrawals may be made free to a UK bank account by BACS payment (up to 5 working days). Charges apply for other types of withdrawal. No cash or cheques. Interest paid annually in arrears on 31 March. Interest rate is 6.30% gross p.a./AER Variable. Rate effective from 8 February 2008. Gross is before any deductions. AER - Annual Equivalent Rate illustrates the interest rate if interest was paid and compounded each year. Interest may be paid free from tax offshore depending on your country of residence for tax purposes. EU Savings Tax Directive rules apply to EU resident customers. Deposits made with an Isle of Man office of Alliance & Leicester International Limited are covered by the Isle of Man Depositors' Compensation Scheme contained in the Banking Business (Compensation of Depositors) Regulations 1991. Alliance & Leicester is the registered trade mark of Alliance & Leicester plc. Alliance & Leicester International Limited, PO Box 226, 19/21 Prospect Hill, Douglas, Isle of Man, IM99 1RY, British Isles. Incorporated in the Isle of Man (No. 81918C). Licensed by the Isle of Man Financial Supervision Commission for banking business. Apply online today! Click www.alil.co.im/expat EXPAT INVESTOR ESAVER MARCH 2008 Offshore Savings Online Compare our eSaver Offshore Alliance & Leicester International eSaver Offshore Bradford & Bingley International eSaver Northern Rock Guernsey Offshore Tracker Online HSBC Bank International Online Saver Source: Providers' websites 26 February 2008 Online Application Process* Online Rate Interest Rate (AER) Variable Unlimited Penalty Free Withdrawals 6.25 5.25 5.25 † % % % %**** *** ** 6.30 to the market in response to the demand from customers for a secure banking system that can easily be used anywhere in the world." The ibanking and ibanking plus systems allow a user to access their account from anywhere in the world, as long as they can log onto a computer with an internet connection. ibanking not only allows a customer to transfer money, no matter how large the amount, but also to conduct banking transactions in a number of different currencies, exlains NatWest International. "The customer can be reassured that any transactions made are completely safe and secure. Accounts are accessed using a unique customer number, PIN and password. Customers can confirm Continued on page 8 It takes just a few minutes a month to protect your bank account and help save yourself from falling victim to identity thieves -- a worthwhile investment, both for your finances and for peace of mind. What should I do? Check your bank statements regularly. Check receipts against your statement. Contact your bank immediately if you find a transaction you do not recognize. What should I look out for? Bank or credit card statements, or other important mail, fails to arrive. You receive bills for goods or services you have not bought. Top tips to protect yourself from ID fraudsters 2091. (CIFAS stands for Credit Industry Fraud Avoidance System.) It can earmark your name and address with 'Protective Registration' so that anyone applying for credit in your name will automatically be double- checked, such as by requests for further proof of identification, Check with the credit reference agencies. If applications for credit have been made in your name you can ask to have any incorrect information removed. Source: British Bankers' Association You are notified that you have been approved or denied credit for accounts you know nothing about. Debt collection agencies contact you about goods you never ordered or accounts you never opened. What should I do if the fraudsters hit? Contact your bank or the organisation concerned immediately and keep a record of all communication. Contact CIFAS on 0870 010 "Its state-of-the- art website allows customers to do everything they'd expect to be able to do face-to-face, such as reviewing account details and statements online, transferring funds between accounts to any bank worldwide, reading secure, personalised messages sent by the bank, paying multiple bills and setting up standing orders. "
January February 2008