Thousands of chances of winning every week weekly prize draw. There are thousands of tax-free cash...

2
You can sleep soundly, and you can still dream. 5 NTMA Brochure 3(a) 16 April 2018 Thousands of chances of winning every week Each individual Prize Bond you hold will be entered into the weekly prize draw. There are thousands of tax-free cash prizes every week. The more Prize Bonds you hold, the more chances you have of winning. The prizes are: The top prize in the last draw in June and December is €1 MILLION and in every other weekly draw the top prize is €50,000. Weekly Prizes €1,000 x 10 prizes €500 x 10 prizes €50 x All other prizes 6 An Post and the Prize Bond Company are agents of the National Treasury Management Agency To be won two times each year and thousands of cash prizes every week. NTMA Brochure 3(a) 16 April 2018 The main State Savings Products are: State Savings products are subject to Terms and Conditions and relevant legislation. For more information on State Savings Web: StateSavings.ie Telephone: 1850 30 50 60 / +353 1 705 7200 SMS Text: 0852 30 50 60 E-mail: [email protected] Visit: Any Post Office Mail to: State Savings, GPO, Freepost, Dublin 1, D01 F5P2 Actual Before DIRT VARIABLE RATE 6 0.15% Deposit Account 4 0.50% Prize Bonds 5 GROSS State Savings Products NET Total Return AER 1 FIXED RATE, FIXED TERM AER 1 Total Return 1.00% 0.33% 3 year Savings Bonds 2 0.33% 1.00% 2.00% 0.50% 4 year National Solidarity Bond 2 0.50% 2.00% 5.00% 0.98% 5 year Savings Certificates 2 0.98% 5.00% 16.00% 1.50% 10 year National Solidarity Bond 2 1.50% 16.00% 5.50% 0.98% 6 year Instalment Savings 2,3 0.98% 5.50% (ALSO FOR CHILD BENEFIT) 1 AER = “Annual Equivalent Rate”. 2 Not subject to tax in Ireland but please see Condition 4 Taxation in Specific Conditions. 3 Save in 12 monthly instalments (Max. €1,000 per month) and leave for 5 years. AER calculation assumes a 5½ year average life. 4 Subject to DIRT (Deposit Interest Retention Tax) at the prevailing rate. 5 Prize Bonds – The variable rate used to calculate prize fund is 0.50%. There are two €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. 6 Variable Rate means that the interest rate paid on this Product may be changed by the NTMA from time to time. Such changes will be notified by at least one of the following methods: direct notification to you by post, publication in a national newspaper, publication on StateSavings.ie or notification by any other means. Brochures and Application Forms for State Savings Products listed above are available in any Post Office or online at StateSavings.ie. State Savings products are subject to Terms and Conditions and relevant legislation. You may find our Terms and Conditions booklet online and in Post Offices.

Transcript of Thousands of chances of winning every week weekly prize draw. There are thousands of tax-free cash...

Page 1: Thousands of chances of winning every week weekly prize draw. There are thousands of tax-free cash prizes every week. The more Prize Bonds you hold, the more chances you of have of

You can sleep soundly, and you can still dream.5

ARE TH

ESE BON

DS A

GIFT

(PLEASE TIC

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SEPA D

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By signing this mandate form

, you authorise (A) N

TMA

and/or its agents including The Prize Bonds Com

pany to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance w

ith the instruction from N

TMA

and/or its agents including The Prize Bonds Com

pany.

As part of your rights, you are entitled to a refund from

your bank under the terms and

conditions of your agreement w

ith your bank. A refund m

ust be claimed w

ithin 8 weeks

starting from the date on w

hich your account was debited.

Note: your rights regarding the above m

andate are explained in a statement that you can

obtain from your bank.

PLEASE CO

MPLETE A

LL THE FIELD

S FOLLO

WIN

G M

AR

KED

*

NA

ME(S) O

F BAN

K A

CC

OU

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ER* (Nam

e on D

ebtor’s Accou

nt)

BAN

K ACCO

UN

T HO

LDER A

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CO

UN

TRY*

PRIZE BO

ND

CU

STOM

ER AC

C. N

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K A

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ER’S IBAN

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MBER*

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ENTIFER C

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ITORS N

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SE RETURN

TO)

PLEASE EN

TER TH

E IBA

N N

UM

BER

FRO

M TO

P LEFT HA

ND

BO

X

TYPE OF PA

YMEN

T: RECU

RRENT PA

YMEN

T

THE M

AX

IMU

M D

IRECT D

EBIT AM

OU

NT IS €1,000.00

EIRCO

DE

EIRCO

DE

CITY &

EIRCO

DE

PTO for

Direct D

ebit details

NATIO

NA

L TREA

SURY M

AN

AG

EMEN

T AG

ENCY

Notes

103103102949410399

PERF

PERF

Mail th

is form to – State Savin

gs, GPO

, Freepost, Du

blin 1, D

01 F5P2

NTMA Brochure 3(a)16 April 2018

Thousands of chances of winning every week

Each individual Prize Bond you hold will be entered into the weekly prize draw.

There are thousands of tax-free cash prizes every week.

The more Prize Bonds you hold, the more chances you have of winning.

The prizes are:

The top prize in the last draw in June and December is €1 MILLION and in every other weekly draw the top prize is €50,000.

Weekly Prizes €1,000 x 10 prizes

€500 x 10 prizes

€50 x All other prizes

6

SAFE AREA

An Post and the Prize Bond Companyare agents of the

National Treasury Management Agency

To be won two times each year and thousands of cash prizes

every week.

1. Evidence of Identity

1.1 You are requ

ired to confirm

your identity to u

s (in

cludin

g your su

rnam

e, first nam

e, date of birth

and address) for th

e purposes of:

(a) th

e Agreem

ent (inclu

ding an

y Transaction

);

(b) th

e admin

istration of you

r Product(s) an

d any

other State Savin

gs Product(s) th

at you m

ay hold

now

or in th

e futu

re, and

(c) associated legal pu

rposes, inclu

ding com

pliance

with

statutory anti-m

oney lau

nderin

g obligations

and accou

nt security an

d fraud prevention

,

1.2 We m

ay verify your identity:

(a) electronically (by referen

ce to inform

ation su

pplied by you

, inclu

ding you

r Personal Pu

blic Service N

um

ber (PPSN)); or

(b) man

ually (by referen

ce to acceptable original or

certified copy docum

entation su

pplied by you,

wh

ich m

ay inclu

de docum

ents such

as your cu

rrent passport, cu

rrent EU drivin

g licence, recent u

tility bill, recent accou

nt statement from

a bank, bu

ilding

society or credit un

ion, an

d/or your Pu

blic Services C

ard or other official docu

mentation

issued to you

by th

e Revenu

e Com

mission

ers or the D

epartment

of Employm

ent Affairs an

d Social Protection).

2.3 Wh

ere you h

ave not provided eviden

ce of your

identity to our satisfaction

, we w

ill advise you

and w

e will n

ot proceed with

your application

to pu

rchase th

e Product u

ntil evidence of you

r identity h

as been verified to ou

r satisfaction. For

the avoidan

ce of doubt, n

o interest, bonu

s or other

amou

nt shall accru

e in respect of a Produ

ct durin

g th

e period wh

en eviden

ce of identity is being

verified un

der this con

dition.

2. Personal D

ata 2.1 Th

e NTM

A is th

e Data C

ontroller (for the pu

rpose of th

e Gen

eral Data Protection

Regulation

(GD

PR)) for all person

al data supplied by you

. The M

inister

for Finan

ce and th

e NTM

A are each

a ‘specified body’ for th

e purposes of section

s 262 to 270 and

schedu

le 5 of the Social W

elfare Con

solidation A

ct 2005, as am

ended, u

nder w

hich

the N

TMA

and th

e M

inister for Fin

ance are both

auth

orised to process person

al data inclu

ding PPSN

s for certain pu

rposes.

2.2 We w

ill collect, process and u

se personal data

relating to you

, inclu

ding you

r PPSN an

d the

inform

ation referred to in

Note 1 (Eviden

ce of Identity):

(a) as n

ecessary for the perform

ance of th

e A

greement (in

cludin

g any Tran

saction);

(b) for th

e admin

istration of you

r Product(s) an

d an

y other State Savin

gs Product(s) th

at you m

ay h

old now

or in th

e futu

re, and

(c) for associated legal pu

rposes, inclu

ding

complian

ce with

statutory anti-m

oney lau

nderin

g obligation

s and accou

nt security an

d fraud

prevention,

2.3 You ackn

owledge th

e collection, processin

g and

use of you

r personal data (in

cludin

g your PPSN

) for th

e purposes as ou

tlined in

3.2.

2.4 Personal data m

ay be processed by us, ou

r Agents,

and an

y third party service providers actin

g on

our beh

alf for the pu

rposes of the A

greement an

d for associated legal pu

rposes and for an

y other

purpose requ

ired for or reasonably in

cidental to the

performan

ce of the A

greement.

2.5 We w

ill retain you

r personal data for as lon

g as you

have a h

olding w

ith State Savin

gs and oth

erwise in

accordan

ce with

applicable data protection law

and

statutory obligation

s (inclu

ding u

nder anti-m

oney

laun

dering legislation

).

2.6 Subject to you

r consent, you

r personal data m

ay be u

sed by us, or ou

r Agents, for th

e purpose of

marketin

g State Savings Produ

cts. Wh

ere you h

old m

ore than

one Produ

ct, the preferen

ces indicated

most recently by you

will apply to all Produ

cts held

by you to w

hich

the G

eneral Term

s and C

ondition

s apply.

2.7 You h

ave the right to requ

est access to and a copy

of your person

al data held by u

s in accordan

ce with

th

e GD

PR, to have you

r personal data corrected

wh

ere it is inaccu

rate or misleadin

g, to h

ave your

personal data erased, to object to th

e processing of

your person

al data by us, to requ

est data portability in

relation to you

r personal data. Sh

ould you

wish

to avail of an

y of these rights, please contact

the D

ata Protection O

fficer, State Savings, G

PO,

FREEPOST, D

ublin

1, D01 F5P2.

You also h

ave the right to lodge a com

plaint with

th

e Office of th

e Data Protection

Com

mission

er. See w

ww

.dataprotection.ie for m

ore inform

ation.

3 Limits

3.1 Prize Bonds are sold in

un

its of €6.25. There is a

min

imu

m pu

rchase of €25 (4 u

nits). Please n

ote th

at purch

ases of Prize Bonds can

not be registered

or entered into the w

eekly draw u

ntil the n

ecessary verification

requirem

ents have been

completed

(note 1).

3.2 The maxim

um holding lim

it for Prize Bonds added to the Prize Bond Register in your nam

e on or after the 1 N

ovember 2015 is €250,000.

3.3 The m

aximum

holding limit for Prize Bonds added to

the Prize Bond Register in joint names on or after the

1 Novem

ber 2015 is €500,000.

3.4 For the purposes of calculating a Joint H

olders m

aximum

holding limit in Prize Bonds new

ly registered on or after the 1 N

ovember 2015 the

amount held jointly w

ill be deemed to be ow

ned in

equal proportion by each Joint Holder and w

ill be divided equally betw

een each of the Joint Holders.

3.5 Transfers resulting from

inherited holdings are allow

ed to exceed the maxim

um holding lim

it but all

other transfers are subject to the maxim

um holding

limit.

3.6 You m

ay, within 30 days of the draw

date in

which you w

in a prize, re-invest your Prize Bond w

innings and these will not be counted tow

ards the m

aximum

holding limit.

3.7 For the purposes of calculating any individual’s aggregate m

aximum

holding limit in Prize Bonds,

any bonds held in accordance with conditions 3.5

and or 3.6 will be added to any bonds that individual

purchased on or after the 1 Novem

ber 2015. If this calculation causes an individual to reach or exceed the m

aximum

holding limit, no further Prize Bonds

will be registered for that individual.

3.8 W

here you encash Prize Bonds and use the proceeds to purchase new

Prize Bonds this new purchase w

ill be subject to the lim

its.

3.9 W

here an application to purchase Prize Bonds is received that w

ill result in any individual party to the application breaching their m

aximum

limit, the

application will not be processed and the full value of

the application will be refunded.

O

ther Notes

4 Prize Bon

ds are offered by the N

ational Treasu

ry M

anagem

ent Agen

cy (NTM

A) on

behalf of th

e M

inister for Fin

ance. Th

e Prize Bonds C

ompan

y DA

C

acts as agent of the N

TMA

in th

e operation of th

e Prize Bon

ds Schem

e.

5 Th

e NTM

A an

d its agent The Prize Bon

ds Com

pany

reserves the right at th

eir sole discretion to declin

e an

y purch

ase application an

d to refun

d the

purch

ase amou

nt to the Prize Bon

d applicants.

6 If you

are purch

asing Prize Bon

ds at a Post Office

you w

ill be given a Receipt of Pu

rchase. Th

e actual

Prize Bond C

ertificate will be forw

arded direct by post to th

e nam

ed Bondh

older(s) with

in 10

workin

g days on con

dition th

at the n

ecessary verification

requirem

ents have been

completed

(note 1).

7 Prize Bon

ds may be registered in

one or tw

o nam

es jointly, bu

t not in

more th

an tw

o nam

es. Do n

ot enter collectives su

ch as ‘Fam

ily’ etc. You m

ust

ensu

re you h

ave full N

ame(s) an

d Address(es) an

d D

ate of Birth.

8 If you

are purch

asing Prize B

onds as a gift

please use th

e Gift Pu

rchase A

pplication Form

(B

rochu

re 3b)

9 If you

are purch

asing Bon

ds in you

r own

nam

e, please sign

the form

. For joint purch

ases we requ

ire both

signatu

res.

10 The Prize Bon

d Certificate, bearin

g the Serial

Nu

mbers of th

e bonds w

ill be sent direct to the

registered Bondh

older(s), wh

o shou

ld retain th

em

safely for futu

re reference. In

the case of a joint

holdin

g, th

e Prize Bonds w

ill be sent to the first

nam

ed holder.

11 Prize Bonds can

be held in

definitely, bu

t mu

st be h

eld for a min

imu

m of 90 days. A

ll prize win

ners

are notified by post at th

eir current registered

address. Bondh

older(s) mu

st inform

us in

writin

g of an

y chan

ges of address.

12 This pu

rchase form

fully com

pleted and sign

ed can

be han

ded in w

ith th

e appropriate remittan

ce to an

y Post Office. Pu

rchases are accepted by cash

, ch

eque (m

ade payable to NTM

A State Savin

gs) or by m

onthly direct debit. A

lternatively, you

can sen

d you

r application an

d remittan

ce by post.

13 In th

e event of win

nin

g a prize you w

ill be notified

by post. You can

choose to h

ave your prize(s):

(a) lodged to your ban

k account.

(b) reinvested in

Prize Bonds. You

r new

Prize Bonds

will be forw

arded by post

See details overleaf.

14 The valu

e of the m

onthly prize fu

nd is recalcu

lated at th

e start of each m

onth by applyin

g a variable interest rate (cu

rrently 0.50%) to th

e value of all

Prize Bonds ou

tstandin

g at the en

d of the previou

s m

onth. N

o interest is paid to Bondh

olders. Instead

the interest is paid into th

e month

ly prize fun

d, to be distribu

ted to win

ners in

the w

eekly draw.

Th

e NTM

A can

amen

d the n

um

ber and valu

e of prizes at an

y time an

d any ch

anges to th

e rate or prize stru

cture w

ill be advertised in th

e main

daily n

ewspapers an

d on w

ww

.StateSavings.ie.

15 For Direct D

ebits please complete an

d sign th

e SEPA

Direct D

ebit man

date form specifyin

g the B

IC

and IBA

N n

um

ber of the accou

nt from w

hich

the

debits are to be made. D

etails of the am

ount of th

e debit sh

ould be entered on

the back of th

e form. A

copy of a ban

k statement verifyin

g the accou

nt on

wh

ich th

e Direct D

ebits are to be drawn

mu

st be en

closed with

the form

. You w

ill be advised of the

un

ique referen

ce nu

mber an

d start date on w

hich

th

e recurrin

g month

ly deduction

s will com

men

ce.

16 Wh

ere paym

ent is n

ot received or fails to clear, the

relevant b

onds w

ill be can

celled and n

o prizes w

ill accru

e.

17 The p

rize win

nin

gs are not su

bject to tax b

ut you

m

ay have oth

er tax liabilities dep

endin

g on you

r sp

ecific circum

stances (i.e. gifts/in

heritan

ce). We

wou

ld therefore recom

men

d that you

consu

lt your

tax advisor.

Contact details for State Savin

gs – Prize Bon

ds

Teleph

one: 1850 30 50 60/ +353 1 705 7200

SM

S Text: 0852 30 50 60

Em

ail: PrizeBonds@

StateSavings.ie

W

eb: ww

w.StateSavin

gs.ie

Teleph

one pu

rchases u

sing a D

ebit Card can

be m

ade at Callsave 1850 30 50 60.

M

ail application form

s to: State Savin

gs, GPO

, Freepost, Du

blin 1, D

01 F5P2

For repaym

ents, chan

ge of address, prize claims

and gen

eral corresponden

ce mail to:

State Savin

gs, Prize Bonds, Fexco C

entre, K

illorglin, Freepost, C

o. Kerry, V93 W

N9T.

IMPO

RTAN

T

Before com

pleting th

is Application

Form an

d in particu

lar Section 5

‘Declaration

and Sign

ature’ you

mu

st read the N

otes on th

is page.

NTMA Brochure 3(a)16 April 2018

SAFE AREA

The main State Savings Products are:

State Savings products are subject to Terms and Conditions and relevant legislation.

For more information on State SavingsWeb: StateSavings.ie Telephone: 1850 30 50 60 / +353 1 705 7200SMS Text: 0852 30 50 60 E-mail: [email protected] Visit: Any Post Office Mail to: State Savings, GPO, Freepost, Dublin 1, D01 F5P2

Actual Before DIRT VARIABLE RATE6

0.15% Deposit Account4

0.50% Prize Bonds5

GROSS State Savings Products NETTotal

Return AER1 FIXED RATE, FIXED TERM AER1 Total Return

1.00% 0.33% 3 year Savings Bonds2 0.33% 1.00%2.00% 0.50% 4 year National Solidarity Bond2 0.50% 2.00%5.00% 0.98% 5 year Savings Certificates2 0.98% 5.00%

16.00% 1.50% 10 year National Solidarity Bond2 1.50% 16.00%

5.50% 0.98% 6 year Instalment Savings2,3 0.98% 5.50%(ALSO FORCHILD BENEFIT)

1 AER = “Annual Equivalent Rate”.2 Not subject to tax in Ireland but please see Condition 4 Taxation in Specific Conditions. 3 Save in 12 monthly instalments (Max. €1,000 per month) and leave for 5 years.

AER calculation assumes a 5½ year average life.4 Subject to DIRT (Deposit Interest Retention Tax) at the prevailing rate.5 Prize Bonds – The variable rate used to calculate prize fund is 0.50%. There are two €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.

6 Variable Rate means that the interest rate paid on this Product may be changed by the NTMA from time to time. Such changes will be notified by at least one of the following methods: direct notification to you by post, publication in a national newspaper, publication on StateSavings.ie or notification by any other means.

Brochures and Application Forms for State Savings Products listed above are available in any Post Office or online at StateSavings.ie. State Savings products are subject to Terms and Conditions and relevant legislation. You may find our Terms and Conditions booklet online and in Post Offices.

The following extract quotes three of the Conditions from

the “General Term

s and Conditions and the Specific

Conditions” dated 16 April 2018.

(Note: rather than being num

bered as 1,2,3 these 3 conditions carry their original reference numbers (2,3,5) as

published within the G

eneral Terms &

Conditions)

1. Evidence of Identity

1.1 You are requ

ired to confirm

your identity to u

s (inclu

ding you

r surn

ame, first n

ame, date of birth

and

address) for the pu

rposes of:

(a) th

e Agreem

ent (inclu

ding an

y Transaction

);

(b) th

e admin

istration of you

r Product(s) an

d any oth

er State Savings Produ

ct(s) that you

may h

old now

or in

the fu

ture, an

d

(c) associated legal pu

rposes, inclu

ding com

pliance w

ith statu

tory anti-mon

ey laun

dering obligation

s an

d account secu

rity and frau

d prevention,

1.2 We m

ay verify your identity:

(a) electronically (by referen

ce to inform

ation su

pplied by you, in

cludin

g your Person

al Public Service

Nu

mber (PPSN

)); or

(b) man

ually (by referen

ce to acceptable original or certified copy docu

mentation

supplied by you

, wh

ich

may in

clude docu

ments su

ch as you

r current passport, cu

rrent EU drivin

g licence, recent u

tility bill, recent accou

nt statement from

a bank, bu

ilding society or credit u

nion

, and/or you

r Public Services

Card or oth

er official docum

entation issu

ed to you by th

e Revenu

e Com

mission

ers or the D

epartment

of Social Protection).

1.3 Wh

ere you h

ave not provided eviden

ce of your identity to ou

r satisfaction, w

e will advise you

and w

e w

ill not proceed w

ith you

r application to pu

rchase th

e Product u

ntil evidence of you

r identity has

been verified to ou

r satisfaction. For th

e avoidance of dou

bt, no interest, bon

us or oth

er amou

nt shall

accrue in

respect of a Product du

ring th

e period wh

en eviden

ce of identity is being verified u

nder th

is con

dition.

2. Personal D

ata 2.1 Th

e NTM

A is th

e Data C

ontroller (for the pu

rpose of the G

eneral D

ata Protection Regu

lation (G

DPR))

for all personal data su

pplied by you. Th

e Min

ister for Finan

ce and th

e NTM

A are each

a ‘specified body’ for th

e purposes of section

s 262 to 270 and sch

edule 5 of th

e Social Welfare C

onsolidation

Act 2005, as

amen

ded, un

der wh

ich th

e NTM

A an

d the M

inister for Fin

ance are both

auth

orised to process personal

data inclu

ding PPSN

s for certain pu

rposes.

2.2 We w

ill collect, process and u

se personal data relatin

g to you, in

cludin

g your PPSN

and th

e inform

ation

referred to in con

dition 2 (Eviden

ce of Identity):

(a) as n

ecessary for the perform

ance of th

e Agreem

ent (inclu

ding an

y Transaction

);

(b) for th

e admin

istration of you

r Product(s) an

d any oth

er State Savings Produ

ct(s) that you

may h

old n

ow or in

the fu

ture, an

d

(c) for associated legal pu

rposes, inclu

ding com

pliance w

ith statu

tory anti-mon

ey laun

dering

obligations an

d account secu

rity and frau

d prevention,

2.3 You ackn

owledge th

e collection, processin

g and u

se of your person

al data (inclu

ding you

r PPSN) for

the pu

rposes as outlin

ed in 3.2.

2.4 Personal data m

ay be processed by us, ou

r Agents, an

d any th

ird party service providers acting on

our

behalf for th

e purposes of th

e Agreem

ent and for associated legal pu

rposes and for an

y other pu

rpose requ

ired for or reasonably in

cidental to the perform

ance of th

e Agreem

ent.

2.5 We w

ill retain you

r personal data for as lon

g as you h

ave a holdin

g with

State Savings an

d otherw

ise in

accordance w

ith applicable data protection

law an

d statutory obligation

s (inclu

ding u

nder anti-m

oney

laun

dering legislation

).

2.6 Subject to you

r consent, you

r personal data m

ay be used by u

s, or our A

gents, for the pu

rpose of m

arketing State Savin

gs Products. W

here you

hold m

ore than

one Produ

ct, the preferen

ces indicated

most recently by you

will apply to all Produ

cts held by you

to wh

ich th

e Gen

eral Terms an

d Con

ditions

apply.

2.7 You h

ave the right to requ

est access to and a copy of you

r personal data h

eld by us in

accordance

with

the G

DPR, to h

ave your person

al data corrected wh

ere it is inaccu

rate or misleadin

g, to h

ave your

personal data erased, to object to th

e processing of you

r personal data by u

s, to request data portability

in relation

to your person

al data. Shou

ld you w

ish to avail of an

y of these rights, please contact th

e D

ata Protection O

fficer, State Savings, G

PO, FREEPO

ST, Du

blin 1, D

01 F5P2.

You also h

ave the right to lodge a com

plaint with

the O

ffice of the D

ata Protection C

omm

issioner. See

ww

w.dataprotection

.ie for more in

formation

.

purch

ases of Prize Bonds can

not be registered or entered into t

BR3A 4418.indd 1 09/04/2018 12:49

Page 2: Thousands of chances of winning every week weekly prize draw. There are thousands of tax-free cash prizes every week. The more Prize Bonds you hold, the more chances you of have of

32 4

What are State Savings?• State Savings form part of the National Debt of

Ireland which is managed by the National Treasury Management Agency.

• When you save with State Savings you are placing your money directly with the Irish Government.

• The repayment of all State Savings money is a direct, unconditional obligation of the Irish Government.

• Repayment of your money includes principal, interest and bonus payments if due.

How to Purchase Prize Bonds?• Call into any Post Office.

• Online at StateSavings.ie

The complete range of State Savings products are listed on our website StateSavings.ie. Customers can buy Fixed Term Products and Prize Bonds online.

To buy, online or by mail, you must be an existing State Savings customer for whom we already have the necessary evidence of identity. Please contact us for further information – contact details are on page 6.

If you are not an existing customer or if your last purchase of State Savings products was prior 05 October 2014 you must first register by completing a purchase at a Post Office or by postal application to State Savings,

GPO Freepost, Dublin 1, D01 F5P2.

How much can I buy?

Prize Bonds are sold in units of €6.25 each.

The minimum purchase is €25 (4 units).

The maximum holdings of Prize Bonds newly registered in your name on or after 1 November 2015 is €250,000. There is no limit on holdings registered in your name prior to 1 November 2015.

For further Terms & Conditions relating to limits please see section 3 on reverse of application form.

You can encash Prize Bonds at any time once 90 days have elapsed since you purchased them.

A chance to win every week

You are eligible to win every week for as long as you hold the bonds. You may hold Prize Bonds indefinitely. There are thousands of cash prizes to be won in every weekly draw.

Winnings are tax free

Winnings are not subject to any tax in Ireland.

The Prize Bond draw

The draw takes place every week usually on a Friday. Prize Bonds are automatically entered into every draw and there are thousands of cash prizes each week.

A €1 MILLION prize is awarded in the last weekly draw in June and December. The top prize in all other weekly draws is €50,000. The NTMA reserves the right to amend the number and value of prizes at any time.

How is the Prize Fund calculated?

The value of the monthly prize fund is recalculated at the start of each month by applying a variable interest rate (currently 0.50%) to the value of all Prize Bonds outstanding at the end of the previous month. At any time the NTMA can amend the variable percentage rate used to calculate the prize fund, can change the value of prizes, and the prize structure. Any such change will be advertised in the mainstream media and on StateSavings.ie

How do I know if I have won?

All Prize Bond winners are notified by post.

A full list of winning numbers is available on our website StateSavings.ie

If you require further information about your winning Prize Bonds please contact us (see page 6 for contact details).

What happens to unclaimed prizes?

Prize money is held indefinitely until the winner claims it.

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ific

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ted

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day

16 A

pril

2018

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g th

e us

e of

my/

our P

PSN

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ase

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e.

BR3A 4418.indd 2 09/04/2018 12:49