Growth Bonds

Know what you'll get with a guaranteed fixed return

There are no surprises, just a fixed term and rate

Is a Post Office® Growth Bond right for you?

It may be right if you:	It may not be right if you:
want guaranteed growth	think you may need to get to your money at any time during the fixed term
want to know your money is with a well-known savings provider	don’t have any accessible funds to deal with emergencies
have a minimum of £500 to invest	want to save on a regular basis
won’t need to withdraw the money during the fixed term

You cannot access the funds until the end of the chosen fixed term, so you should be comfortable with investing your money through the period you choose.

Summary Box - Key product information for our Growth Bond
Account name	Growth Bond 12
Interest rates (AERs)	Current interest rates can be found on the next page ("What to expect"). Rates are fixed. At the end of the fixed term, unless you choose to reinvest, your matured funds will be put into our variable rate Easy Saver account.
Tax status	Interest will be paid after the deduction of tax at the prevailing rate, unless instructed otherwise.
Conditions for bonus payments	No bonus payments applicable.
Withdrawals arrangements	No withdrawals are permitted during the fixed term. Full closure during the fixed term is subject to a breakage charge, which is detailed in Conditions 48 of the terms and conditions.
Access	You will be able to access your money at the end of the term but not before. You can view your Post Office® Growth Bond online and contact us by phone, web or post.

Post Office Ltd is an appointed representative of the Governor and Company of the Bank of Ireland which is authorised by the Irish Financial Regulator and authorised and subject to limited regulation by the Financial Services Authority; details about the extent of Bank of Ireland’s authorisation and regulation by the Financial Services Authority are available by request. Bank of Ireland, 1 Donegall Square South, Belfast, BT1 5LR. Post Office Ltd is registered in England and Wales, Registered No. 2154540. Registered Office 148 Old Street, London EC1V 9HQ. Post Office and the Post office logo are registered trade marks of Post Office Limited.