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We’re happy to answer any questions you may have.

Change to phone service for 3-year 65+ Bonds

As we approach the end of the investment term for the 3-year 65+ Guaranteed Growth Bonds, we want to make sure we can give you a consistent and efficient service. Due to the number of customers who will be making their decisions at the same time, we've decided we can provide you with the best service online and by post.

As a result you will not be able to give your maturity instructions at the end of the 3-year term by phone. This is a change to the terms and conditions for these Bonds – please see below for details.

We’re sorry for any inconvenience this may cause.

If you’re unable to use our online or postal service due to exceptional circumstances, please call us to discuss your options.

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How does this change to the terms and conditions affect me and from when?

If you are registered for our online and phone service, you will be able to give us your maturity instructions online or by post but not by phone.

This change will affect you from the first date that we can accept maturity instructions for your 3-year Bond, ie 30 days before it matures.

Does this mean I can’t call NS&I?

No, it just means we can't accept your maturity instructions for your 3-year 65+ Bond by phone. You can still call us for anything else.

What if I’m not happy with this change?

If you’re unhappy with this change, you can cash in your 3-year 65+ Bond early or switch to another NS&I account without penalty within 60 days of the date of the letter or email confirming this change. Bear in mind that you will only earn interest on your Bond up to the date you cash it in. If you’re happy, you don’t need to do anything until 30 days before your Bond is due to mature.

What will happen when my Bond reaches the end of its term?

We will send you a printed pack explaining your maturity options 30 days before your 3-year 65+ Bond reaches the end of its term. (For joint investments we’ll only send this to the first-named investor.)

The pack will give you all the information you need to decide what to do when your Bond matures. You don’t need to do anything until your pack arrives.

Change to terms and conditions

The following amended paragraph replaces paragraph 80 in the terms and conditions for 65+ Guaranteed Growth Bonds:

Telephone and Internet Service

80. We offer the opportunity to purchase and manage Bonds via the telephone and/or internet, and to opt to receive paperless documents. However, Bond holders will be unable to provide their maturity instructions for their Bond over the telephone. The Service is offered to Bond holders and, where a Bond holder lacks capacity or has created a valid Power of Attorney, a limited Service is offered to those entitled to manage their Bond (each a “prospective user”). To use the Service to both purchase and manage a Bond, a prospective user will need to register either by telephone or via the internet as part of their application to purchase. If a prospective user wants to register to use the Service to manage a Bond that they have already purchased, they can register either by telephone or via the internet. We may need to ask you to return documents by post to complete your registration. Deputies and attorneys can only register to use the limited Service by completing the registration form (available on request from NS&I) and returning it to us for processing.