How to refinance a car loan with poor credit with easy access to online rates #commercial #auto #insurance


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How to refinance a car loan with poor credit with easy access to online rates

The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.


How to refinance a car loan with poor credit with easy access to online rates #auto #brokers


#bad credit auto refinance
#

How to refinance a car loan with poor credit with easy access to online rates

The how to refinance a car loan with poor credit can ease the burden of millions of Americans across the country. Plenty of car owners and car drivers have had little chance to get financial relief because of their bad credit woes. The great strides in software technology have improved the internet use for services of all kinds. This has brought about a radical change in the viewpoint of businesses towards credit challenged consumers. The auto finance industry has been no exception to this rule. Well off citizens cornered by the economic recession had no way to seek reliable financial relief from their debt burdens.

Refinance Your Car Loan Even with Poor Credit and Lower Your Monthly Payment to Save on Your Finance! Guaranteed Approval within 15 Minutes, So Apply Here Now

The best company to refinance auto loan with bad credit can be found simple and quick with a little online research. The credit challenged consumers can easily access special auto loan refinance rates and terms meant for bad credit borrowers. The online digital database platforms are updated regularly with the real competitive rates to help car owners and car drivers find their affordable prices. With the increase in online competitive rates, auto refinance car loans seem to be the one method for credit challenged consumers to lower their debt burdens. Many banks and credit unions, as well as lenders have advertisements for lower interest rates.

The consumers refinancing a car loan with bad credit will find the online process easier than ever before. The online competitive rates are configured for less than perfect credit borrowers looking for auto refinance car loans. Most of the auto refinance service providers have introduced the listing of refinance rates for bad credit consumers in their online database. The credit challenged consumers looking for auto refinance for an existing new or used auto loan have to look on further than the online service provider s database. Here, plenty of autos refinance companies of national repute offer real time competitive rates. The borrowers from the general public can get in touch with the lenders and dealers willing to work with consumers having poor credit.

The best company to refinance auto loan with bad credit provide instant access to real time competitive rates published daily. The online digital database platforms are designed to provide the maximum of benefits to users free of charge. The consumers with less than perfect credit across the country can use this in their efforts to explore auto refinance rates. The online real time programming of auto refinance rates reduce consumer efforts and speeds up the process from application to approval. There are still majority of auto finance companies that refuse to auto refinance with lower interest rates for credit challenged consumers.

The process of refinancing a car loan with bad credit has been dealt with effectively by many online lenders specialized in bad credit auto loans. The borrowers with credit challenged issues and vehicles with higher than acceptable mileage pose a challenge to many conventional or prime lenders. The online auto finance companies, lenders and dealers dealing in auto refinance car loans for bad credit are of special help in such situations.


Access To Care #access # #care


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How To Apply

Access to Care provides affordable primary health care services for low-income, uninsured individuals of SUBURBAN COOK COUNTY AND NORTHWEST CHICAGO (NORTH OF NORTH AVENUE AND WEST OF PULASKI ROAD).

To be eligible for Access to Care you must:

  1. Live in SUBURBAN Cook County or northwest Chicago (west of Pulaski Road AND north of North Avenue).
  2. Family income must be less than 300% of the federal poverty guidelines.
  3. No health insurance (or a deductible of $500 or more per person) and ineligible for Medicare *, Medicaid. All Kids. FamilyCare or CountyCare. *The program will cover individuals on Medicare that are unable to afford Part B and meet the other eligibility requirements.

There is an Annual Enrollment Fee of:

  • $20 for one person.
  • $40 for two people.
  • $50 for three or more Adult Members in one family. This applies to Husband, Wife, and dependent children age 19 to 26 ONLY.

The program provides: Visits to your assigned Access to Care doctor for $5. Basic Lab and X-ray services for $5 per draw or procedure, and prescription medication for $15 (generic), $30 preferred brand and $40 (non-preferred brand). Brand name medications are available only at Walgreens.

Once you are an accepted Access to Care patient, you will receive your ID card with your assigned physician and the physician’s phone number. You must call your doctor to make an appointment. Your assigned doctor must write all prescriptions, lab and radiology orders. If your doctor feels a specialist is required he/she will send us a referral form and an appointment will be arranged at either Stroger Hospital or Oak Forest Hospital, where payment is determined based upon income.

How to Apply to Access to Care

There are several ways to apply.

  1. Print an application form from the list below, follow the instructions, enclose all necessary documents and mail it to the address on the application form.
  2. Complete the application at a local registration site. You must call the registration site for an appointment and bring proof of address and proof of income. By applying at a site, you will receive a copy of your application.
  3. If you cannot go to an intake site, call 708-531-0680 and request an application be mailed to you. When received, follow the instructions and enclose the necessary documents.

Without all the necessary documentation, your application will be delayed.

How We ve Helped

As of next month I will be 65 years old and I will no longer be able to benefit from Access to Care. Without the help and care of Access to Care I would not have been able to get this far in life. Getting my medications, seeing my physician has helped me to keep my feet on the ground. Thank you to Access to Care. I hope and pray your supporters will continue to aid Access to Care, because you are needed more now than ever. Access to Care patient

Suburban Primary Health Care Council, administrator of and also known as Access to Care, is in no way affiliated with Access to Care, LLC, located in Muncie, Indiana, or Access to Care Pharmacy, LLC, located in Muncie, Indiana.

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  • We make your IP address unlisted.
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  • 168-bit Strong Encryption prevents spying on you from yours ISP! Read more about ISP Data Retention in the European Union.
  • VOIP (Net2phone, Skype, etc) – Our system works with VOIP carriers worldwide. Our system will allow you to place VOIP calls even if they are being blocked by your ISP or other entity. Our encryption disguises the fact that you are placing a VOIP call and only a connection to our server will show up in ISP logs with no mention of any VOIP port.
  • Full Protection in WiFi Hotspots – All data from your computer travels to our servers fully encrypted. An Evil Twin Attack would only yield heavily encrypted, useless data. Connecting to the Internet via public access point Wi-Fi direct path to the loss of your logins and private data!
  • Secures you when using unsecured internet locations such as hotels, airports, internet cafes, cruise ships, university computers, etc. Our encryption guards all your data from the time it leaves your computer until it reaches our server.
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  • You can access the system from any number of computers simultaneously. This means you can use the service while traveling, at work, at school, or away from home.

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Access Password Recovery #lost,forgotten, #forgot,ms #access,database,user,password,recovery, #reveal,crack,decryption,break,tool


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LastBit Access Password Recovery

Did you lost or forgot Access password?
Try our FREE Access Password Demo to reveal your forgotten password.

1) All versions of MS Access (from 2.0 through 2010) are supported.
2) Database passwords for old Access databases (2003 and earlier) can be revealed instantly.
3) Guaranteed Password Recovery Service for Access 2007
4) Access 2010 Password Recovery Service
5) Fast and optimized password decryption.
6) Easy to use interface! No complicated options: just “run it and get it” approach.
7) Full install/uninstall support.

Supported File Types:

Benefits:

  • Unlimited password length.
  • Guaranteed recovery for one document.
  • 1-year free upgrade.
  • 30 days money back guarantee.
  • Free support.
  • The DEMO version is able to recover short passwords only (up to 3 characters long).
  • Guaranteed Recovery Service for Access 2007 is available for registered users only.

Password Breaking in Access

MS Access uses the underlying Jet Database Engine. Using Access Password, you can reveal passwords for any Jet databases, not only Access databases.

Note that the security model in MS Access is quite complex (although it is insecure). There are two different password types: user passwords and database passwords. Read this article for more information on Access password types. Note that database passwords were introduced in Access 95. MS Access v2.0 does not support database passwords. In MS Access 2007, the security model has been redesigned; database security has been improved, and user passwords have been removed at all. You can find more information on password types in MS Access in this article .

Database passwords for old Access databases (2003 and earlier) can be recovered instantly. To recover Access 2007 passwords, you have to use the universal password recovery methods. such as Brute Force Attack and Dictionary Attack. This may take a long time if the password is long and complex. Fortunately, we offer a unique Guaranteed Access 2007 Password Recovery Service. You can recover any password-protected Access 2007 database within 48 hours – regardless of the password length (databases created with earlier versions of Access can be recovered instantly). You can find further information on Guaranteed Access 2007 Password Recovery Service here. In Access 2010 password protection has been redesigned once again. Now Access 2010 uses the same password protection scheme as do other Office applications, such as Word, Excel or OneNote. This password protection scheme is very hard to break; Access 2010 password recovery is an extremely challenging task. Find more information here .

User passwords are stored in a so-called system database (.mda (old Access 2.0) or .mdw (modern versions) file).

IMPORTANT NOTE: the system database is required to crack a user password. If the system database is lost, there is no way to recover user passwords. If your system database is lost, please contact us for further information). To recover a database password, select the database itself (.mdb or .mde file). To recover user passwords, select the system database (.mda or .mdw file).

Access Password can automatically find the currently registered system database. Note that it is very important to use the correct system database. Often password problems with Access databases are caused by using an improper system database.

Note: We recover lost or forgotten passwords to Access password-protected files, but if your file is corrupted or damaged you can use use special data recovery tools. more information .

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Broken databases If a database is broken, Access may erroneously ask for a password. There is no chance to recover such database with any password recovery tool. Access databases often get broken due to a horrible bug made by Microsoft in Office XP. This bug is confirmed (and fixed in the later releases) by Microsoft, more information can be found here. There is a well-known auto-replace feature in MS Word, for example, Word replaces a (c) sequence with a single copyright character. In all databases broken because of this bug, the reverse replacement was performed. The 0a9h byte is replaced with a (c) sequence (ASCII 0a9h is a copyright symbol), 0aeh – (r) and so forth. As a result Access databases are broken and there is a little chance to convert them back. If you open a broken database with a HEX editor you’ll see, for instance, the ‘(c)’ text at offset 21h while the 0a9h byte must be there. Access Password can detect a broken database and raise a warning that the database is broken rather than password-protected. We can try to recover your broken database manually but please note that it is a rather expensive service. Email us for a price quote. In your letter, please specify the size of your database.

Download Access Password Demo


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Practices

Employment and Labor

Security Clearance

Security clearances are an increasingly important requirement for federal government employees, employees of government contractors, military personnel and even private sector employees. Security clearance guidelines and standards over the past 10 years have changed, and the number of individuals who require access to sensitive or classified information has significantly increased. In addition, the federal government has required employees who already have security clearances to upgrade their security clearance levels. The process of obtaining, retaining and upgrading a security clearance over the last several years has become more complex due to the security concerns of the United States Government. Our firm serves as security clearance lawyers for individuals encountering difficulties or questions in the security clearance process. We belong to the Security Clearance Lawyers Association.

Security Clearance Application Process

All employees whose positions require access to sensitive information or restricted areas are required to complete an application form known as the Standard Form 86 Questionnaire for National Security Positions (SF-86) or Electronic Questionnaires for Investigations Processing (e-QIP ). Providing information in the SF-86 or e-QIP is voluntary; however, completing the form truthfully is critical to the process of successfully obtaining a security clearance. Once a security clearance application is completed, it is generally submitted to the Defense Security Service (DSS), the individual federal agency s security clearance review office, or the Office of Personnel Management (OPM) for a review and determination.

Public Trust/Suitability Investigations

Federal employment positions often include important duties that do not require a security clearance but are sensitive in nature. For instance, included in public trust positions are certain types of federal police officers, comptrollers, and public safety and health workers. These positions are referred to as public trust positions. They are subject to background investigations, which include a National Agency Check and Inquiries (NACI) review, and potential personal interview and reference checks.

Our law firm also represents and advises individuals in the related area of suitability and public trust positions, which derive from an individual s completion of the SF-85 (Questionnaire for Non-Sensitive Positions) and SF-85P (Questionnaire for Public Trust Positions).

Security Clearance Investigations

The U.S. Government conducts background investigations and reinvestigations of individuals under consideration for a security clearance or for the retention of their security clearance in national security positions. Applying for a security clearance requires an employee to undergo a comprehensive background investigation into all aspects of his or her personal and professional history. The investigation includes interviewing the applicant, checking state and federal criminal databases, and interviewing other persons. An employee’s full cooperation with all aspects of the investigation is a requirement in order for him or her to obtain a security clearance.

If a federal employee or government contractor employee’s initial application is denied, or his or her existing security clearance is revoked or suspended, he or she will be issued a Statement of Reasons (SOR) or will be provided a notice which outlines the reasons why the security clearance was not granted or continued. When the Defense Security Service (DSS), the individual s federal agency security office, or the Office of Personnel Management (OPM) denies an employee’s security clearance, there are procedures or provisions that allow the employee or government contractor employee to appeal the decision, such as a hearing (often referred to as a personal appearance) before the employing agency or the Defense Office of Hearings and Appeals (DOHA) to adjudicate his or her security clearance matter.

Federal employees have the right to appear in person before an administrative judge in a hearing (or other clearance adjudicator) and respond to the allegations in the SOR. Following such a hearing or personal appearance, the administrative judge or adjudicator will issue a recommended decision to the federal agency s personnel security appeals board (PSAB), which will issue the final determination on the federal employee s security clearance. Government contractor employees in DoD cases have the right to a hearing before a DOHA judge. In cases involving DoD government contractors, the administrative judge will issue the initial ruling as to whether the security clearance is granted. A contractor then has a right to appeal an adverse decision to the DOHA Appeal Board.

Intelligence Agency Security Clearance Holders

Our firm represents security clearance holders and applicants before federal intelligence agencies, governed by Intelligence Community Directive 703 and Intelligence Community Policy Guidance 704.2 such as the National Security Agency (NSA), Central Intelligency Agency (CIA), National Reconnaissance Office (NRO), National Geospatial-Intelligence Agency (NGA), the Defense Intelligence Agency (DIA) and others.

Berry Berry, PLLC are security clearance attorneys that handle federal employee and federal contractor security clearance and public trust matters throughout the United States.

Our experienced attorneys have assisted numerous federal government employees, military personnel, and government contractors in all stages of the security clearance process by providing legal advice or representation. In addition, our attorneys are familiar with the significant differences between individuals seeking security clearances for use as federal employees and individuals seeking security clearances for use as federal government contractors (i.e. industrial security clearances under Executive Order 10865 and Department of Defense Directive 5220.6).

Our attorneys can advise employees on areas of the SF-86, e-Qip or other related security clearance documentation that require additional care and attention. Our attorneys can also provide advice or guidance in the application, interview and polygraph processes for any security clearance levels such as the following:

  • Confidential, Secret or Top Secret
  • Sensitive Compartmented Information (SCI)
  • Special Access Programs (SAP)

If a security clearance is denied, our experienced attorneys can represent the employee through the appeal process before the DOHA, the DSS or the federal agency processing the clearance. It is important that an employee takes the appeal process very seriously as the inability to obtain, maintain or upgrade a security clearance at the appellate stages can mean the loss of his or her position.

Please contact Berry Berry, PLLC to schedule a consultation with a security clearance attorney if you are submitting an initial security clearance application (SF-86), undergoing a background investigation, or having your security clearance denied or revoked.

Some helpful articles on our website discuss various issues within the security clearance process:

Meeting with Security Clearance Investigators

The Importance of Properly Completing Security Clearance Forms

Polygraph Examinations for Federal Employees and Contractors

Responding to the Statement of Reasons (SOR)

The Whole-Person Concept for Security Clearance Cases

Seeking Information Regarding Security Clearance Incident Reports

A Summary of the Security Clearance Appeal Process

Requesting Reconsideration After a Security Clearance is Denied

Also, please visit our Security Clearance Blog where we discuss current security clearance issues affecting federal employees and government contractors and security clearance specific law firm website at www.securityclearancelawyer.com


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for electrical needs go to Casale Electric

Security Alarm Systems, Cameras, Detectors

Remember, a thief doesn’t care if it is day or night and does not need a key. That’s why Gemini.

Home Theatre and Electronics

We service and repair a wide variety of electronic needs in Home Entertainment Systems.

Computer and Phone Networks

Communication technology brings the world together. Are you connected?

94 N. Washington Street

North Attleboro

Massachusetts� 02760

(508) 695-7302

Welcome to Us!

Residential – Commercial – Schools

We have been in business for over 40 years, serving up to a 20-mile radius in the North Attleboro, MA area. We specialize in the servicing and maintenance of Home Theatre Systems and Electronics including:

  • High-Def, LDP, Plasma, and Flat Screen TV’s.
  • Service/Setup: DVD Players Surround Sound, etc.
  • Custom Installation including wall mount brackets.
  • New LED Flatscreen TV’s.

If you are having a problem with an electronic item we can service it in your home, or you can bring it into our store and drop it off for repair. Let Gemini give you a truly great Home Entertainment Center.

Factory service for. Sony, Samsung, Mitsubishi, Hitachi, Sharp

Fire Alarm Radio Call Box

In addition, we also offer installation, repair and maintenance of Computer Network Connection service, and Security Alarms Systems

You may not know, we also do:

  • Microwave Oven Repair
  • PA Equipment Service Available for your event or concert – Book your event today!

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The right backup solution for your small business data

What if your backups are faulty, or of the wrong data?

MrBackup is the solution!

MrBackup is based on a core data model which assumes that only mission critical/business critical data requires protection. It is assumed that on any given computer

• 5% or less data is in fact of mission or business critical importance and worth storing in a secure environment; (non-trivial/critical)

• 10% or less of additional data may be classified as important and worth retaining; (non-trivial/important)

• 85% or more data is probably Redundant Obsolete and Trivial, or obsolete content — which raises the question, should this ROT data be stored in the first place?

Backup (definition) copy of computer information made in case of partial or total data loss or corruption; used in disaster recovery. Backups are used to ensure data which is lost can be restored. Recovery implies lack of backups.

verb two words, to back up data — Remember to back up with MrBackup regularly.

noun one word, last known good backup — Our backups are stored on a remote data server.

MrBackup s core data model is inspired by the Master Data Management concept and uses management requirements as a primary directive.
Core Data is defined in terms of specific software applications in use, operational requirements and business activities. Each client s unique combination of business activities, operational requirements and application software solutions is unique. The retention of Core Data , which may include transactional data, suggests rapid return to operational efficiency. In the small business environment, this is often based on a single software application, or a suite of applications, with easily identifiable data items. Master Data Management is about identifying the correct data to manage; core data is about backing up the relevant data.
From the Microsoft Library: http://msdn.microsoft.com/en-us/library/bb190163.aspx

Typical data storage and restore is based on the file system of the underlying Microsoft Windows operating system.


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Undergraduate admissions 2016–17


Applications and change of preferences for study in semester 2, 2017 have closed.

Applications for study in 2017 18 will open on Wed 2 August 2017.

We’ve just launched a new version of our online application. All the functions previously available in Check Change can be accessed by logging in to your application .

Thinking about applying for undergraduate study? UAC offers year-round undergraduate admissions to applicants who meet our participating institutions’ admission requirements.

Find out if you can apply through UAC Undergraduate then read admission requirements for information about the qualifications you’ll need to get into uni. Also, check our offer dates to ensure you apply and submit your documents in time for offer dates.

If you’ve already left school and you’re interested in applying for tertiary study, read our non-Year 12 information about admission requirements and the application process.

After you apply you can log back in to your application to manage and track the status of your application and participate in our many offer rounds.

We recommend that you log in to your application regularly to check for correspondence from UAC.

If you’ve already applied in this admissions period (ie since Aug 2016) and have changed your mind about what you want to study don’t submit a new application ; simply log in to your existing application and change your preferences. Have you forgotten your UAC application number or UAC PIN ?

If you’re a non-Year 12 applicant and want to apply for advanced standing/credit for prior studies, you must do this directly with the institution after you receive an offer.

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Savings Accounts #savings, #accounts, #cash, #isas, #high #interest, #easy #access, #bonds, #savers


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TOP OFFERS

Aldermore Bank increased their 1 year fixed rate savings account and now pays 1.50% AER (previously 1.30% AER). This is the market leading 1 year fixed rate offered by British Banks and Building Societies that you can manage by the internet, post or the telephone. Click here for more details.

Zenith Bank UK has increased their 1, 2 and 3 year Fixed Rate savings accounts and now pays 1.43% AER, 1.65% AER and 1.87% AER respectively (previously 1.36% AER, 1.60% AER and 1.80% AER). The 3 year rate of 1.87% AER is now the market leading rate offered by a UK Bank. You can save from 1,000 and the first 85,000 of your cash is fully protected under the FSCS (Financial Services Compensation Scheme). Click here for more details.

Masthaven Bank has increased their 3 and 5-year fixed rate savings accounts and now pays 1.76% AER and 2.06% AER respectively (previously 1.70% AER and 1.96% AER). Open an account from 500 on the internet and manage by telephone or the internet. Your money is protected up to 85,000 by the FSCS. Click here for more details.

Axis Bank UK has increased their 2 and 3 year fixed rate savings accounts and now pays 1.70% AER and 1.80% AER respectively (previously 1.65% AER and 1.68% AER). You can save from 1,000 and the accounts are FSCS protected. Click here for more details on the 2 year account or click here for more details on the 3 year account.

The Investec 6 year Enhanced Income plan pays 4.56% gross per year, regardless of the performance of the FTSE 100 Index. You will receive payments of 0.38% monthly, equivalent to 4.56% gross per year. Also available as a Stocks Shares NISA investment and NISA transfer. Click here for more details or to request a FREE no obligation brochure.

Investec now offer 3.00% gross for every year the Deposit Savings Plan is in force. This is a capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6 and is FSCS protected up to 85,000. If the plan matures early it will return 3.00% times the number of years the plan has been in force. Also available for Cash NISA and NISA transfer. Click here for more details or to request a FREE no obligation brochure.

Note: Peer to Peer Investments involves lending to individuals or companies and therefore your capital is at risk and interest payments are not guaranteed if the borrower fails to repay the loan.

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* Important Notes: For structured deposit and investment plans the above information provides a product summary only. Complete details of the plans can be found within the relevant brochure and key features material which are available on request. Investors will not benefit from any dividends paid by the companies which constitute the listed indices over respective investment terms. Therefore, if markets rise, the plans will deliver lower returns than investments in an equity fund which includes reinvested dividends. The stated benefits will only be delivered if the plans are held for the full terms. If the investor were to cash in their plan early, they would be unlikely to receive back the amount they originally invested, regardless of the performance of the basket/index underlying the plan. Inflation might deteriorate the value of the capital received at maturity. Some of the plans place your capital at risk and are not intended for cautious investors. For capital at risk plans, the security of the product depends on the credit worthiness of the counterparty. Failure of the counterparty could lead to you losing all or some of your original investment and returns. Furthermore this event will not be covered by the Financial Services Compensation Scheme. Please see http://www.fscs.org.uk for full information.