are you making the most of your tax-exempt savings allowance?

Did you know the government allows you a tax-exempt savings allowance when you save with a Friendly Society? This means you can save without paying tax on the growth of your hard-earned money.

Don't miss out on this opportunity! This tax-exempt savings allowance is in addition to the tax-free ISA allowances.

what is the e-friendly savings plan?

A 10-year, tax-exempt savings plan, available to UK residents aged 16 to 74. You can start saving from just £10 a month. It will provide you with a tax-free, cash lump sum after 10 years. The e-friendly savings plan is a market leader - it has the lowest charges of any unit-linked friendly society savings plan!

what does the e-friendly savings plan offer?

By opening an e-friendly saving plan, you will benefit from:

• Low-cost saving - from £10 to £25 monthly, or annually from £110 to £270
• Tax-exempt growth potential for your savings
• Tax-free cash pay-out after 10 years
• Built-in life cover of up to £2,250
• No initial charge, so more of your money has the chance to grow

where will my money be invested?

When you start saving, your money will be invested in the UK Equity (Exempt) Fund. The fund aims to match the performance of the FT-SE All Share Index.

As your money is invested in a stock market based fund, the value of the plan could drop below the amount paid in. If you cash in at such a time, you will get back less than you have invested.