1 Year Fixed Rate ISA Loyalty Bond (Issue 1)

A cash ISA allows you to avoid paying tax on a nominal amount of your savings. The amount you can save or invest in an ISA is referred to as the annual allowance. The allowance can change annually and is set by the Government.

You choose how you use your ISA allowance. You can split the amount you save into any combination of ISAs, Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA, so long as the amount invested does not exceed the overall annual ISA allowance. Alternatively, you can save the full ISA allowance in a cash ISA.

Your annual allowance is for the whole tax year (6 April one year until 5 April in the following year), but you cannot invest more than the annual allowance in each tax year.

You can open an account for yourself via Harpenden Online.

Or sign and return your completed form (along with the required ID as detailed in our Identification Requirements document), to one of our branches or directly to our Member Services Team at Harpenden Building Society, FREEPOST, SB165, Harpenden, AL5 4BR

Please check with your local branch or call our Member Services Team on 01582 765411 to confirm product availability.

This account can only be opened by existing members of Harpenden Building Society who are aged 18 or over and are a UK resident.

It is important that you read the FSCS information sheet contained within this document. It provides you with information about the protection of your savings deposits. Eligible deposits with the Society are protected by the Financial Services Compensation Scheme (FSCS).

This savings product is covered by the FSCS.

Please complete the application form, sign and return the completed form, along with the required identification (as detailed in our Identification Requirements document), to one of our branches or directly to our Member Services Team at Harpenden Building Society, FREEPOST, SB165, Harpenden, AL5 4BR.

Should you wish to open or operate an account on behalf of another person due to holding a Power of Attorney or Court of Protection Order you will need to obtain a copy of our form 'Operating an Account for Someone Else’. This is available in branch or can be downloaded from our website at harpendenbs.co.uk/faqs.

This document should be returned with your completed application form by post to any of our branches or Head Office.

If you have reason to complain about the service that you receive you should contact the Office Manager at your local branch or our Savings Operations Manager at Head Office either by telephone or in writing.

Full details of the complaints procedure can be found in the General Terms and Conditions for Retail Savings Accounts.

If you open a new account and then change your mind, then as long as you tell us at any of our branches or our Head Office within 14 days after the contract is entered into (or, if later, 14 days from the day you first receive, on paper or electronically, the terms and conditions and other information relating to it) you can

• have your money back; or
• switch to another available account

In this case, you will not have to

• give any period of notice;
• lose any interest on the account you are closing; or
• pay any other charges

Data Protection regulations require Harpenden Building Society (the Society) to inform customers about how their personal data will be processed.

Personal data includes customer’s name, addresses, financial information and other personal information needed for opening an account.

The Society will restrict its processing of your personal data to the minimum required to open and manage your account, update you on your account status and inform you of any new savings products.

Your personal information will be processed to comply with the Society’s legal and regulatory obligations, to ensure that we continue to operate in a way to safeguard your investment.

The Society will not send you marketing material on any other services and will not share your personal details with any other organisation for marketing purposes, without your consent.

Your personal details will be stored securely by the Society and its specialist suppliers, in countries that have equivalent data protection rules, and will only be used to communicate with you whilst you have an account with the Society.

Further information on how the Society handles your personal data is available under the ‘Privacy’ menu option on the website.

You are entitled to request the Society to restrict its use of your personal data. If you have any questions about how we manage your personal data, or wish to complain about this, please contact the Data Protection Officer in the first instance at: privacy@harpendenbs.co.uk

If you are not satisfied with the handling of your complaint by the Society, you can also make a complaint to the Information Commissioner’s Office on: ico.org.uk.

To view our Privacy Notice in full please visit our website: harpendenbs.co.uk/privacy-notice.