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To provide a clearer picture of the information in your Year End Investment Statement, we have provided sample forms with comprehensive explanations.

We can provide you online assistance with Annual Statement of Investment Account, Statement of Remitted Interest, How to Request a 975 Certificate and Notes to the Statements.

Please read the following important notes concerning your Annual Statement. These should answer any questions you have. If, after reading these notes you need any further help, please call our Investment Helpline on 08458 501722*.

NOTES

1. If your interest is credited to your account, the passbook (if applicable) will be brought up-to-date when you carry out your next transaction or, if you request it earlier.
2. 1. Income Tax at the rate of 20% on the interest shown overleaf (with the exception of Expatriate Accounts, Charities, Exempt Pension Funds and ISAs) is deemed to have been paid by the Society under arrangements with the Commissioners of HM Revenue & Customs, unless valid HM Revenue & Customs form(s) R85 has/have been received from the account holder(s), and registered by the Society, in respect of their share of the interest which is being claimed on a gross basis (ie without tax deducted).
   2. Individuals who are non-taxpayers, and who have not registered to receive their interest without tax deducted, can claim a repayment of tax from HM Revenue & Customs. Similarly, individuals with taxable income in the starting rate band of 10%, who are due to pay less tax than the amount deducted from their interest, can also claim a repayment of tax direct from HM Revenue & Customs.
   3. Please note that in the case of accounts held in more than one name, where all account holders have registered to receive interest gross (R85 registration), interest has been paid without tax deducted. If not all named account holders have registered as non-taxpayers, interest has been paid part net/part gross, in proportion to the number of account holders who have registered to receive gross interest.
   4. Any interest shown overleaf, whether or not tax has been deducted, should be included in your annual return of income to HM Revenue & Customs and this statement may be used for this purpose, with the exception of ISAs.
   5. IF YOU HAVE COMPLETED A FORM R85, YOU ARE REMINDED THAT YOU MUST TELL THE SOCIETY IMMEDIATELY IF YOU ARE NO LONGER ENTITLED TO RECEIVE INTEREST WITH NO TAX DEDUCTED.
3. • Expatriate Accounts, where valid HM Revenue & Customs form(s) R105 has/have been received from the account holder(s), and registered by the Society, interest has been paid without deduction of UK income tax.
   • YOU ARE REQUIRED TO NOTIFY THE SOCIETY WITHOUT DELAY IF ANY PERSON BENEFICIALLY ENTITLED TO THE INTEREST FROM THIS ACCOUNT BECOMES ORDINARILY RESIDENT IN THE UK.
4. This statement is NOT a statement for the purposes of Section 975 of the Income Tax Act 2007 (formerly referred to as a Section 352 Certificate). If you require a Statement of Deduction of Tax for that purpose one will be issued on request if you return the slip overleaf. If you have previously requested a 975 statement, you will automatically receive one for this tax year.
5. Should you not agree with the balance shown on this statement please write directly to Customer Services at the Principal Office, Skipton, North Yorkshire BD23 1DN or call 0845 850 1722*.
6. If any details of your name or address are incorrect, please advise your local branch or Investment Postal Team at: Principal Office, The Bailey, Skipton, North Yorkshire BD23 1DN by adding the correct information to the change of address form. You may also use this form if changes occur during the year.
7. If you have any queries about this statement, we have a Customer Service section on our website skipton.co.uk/customerservice which may be of help to you. Alternatively, you can call our Investment Helpline on 0845 850 1722*.
8. For up to date details of interest rates and other products available please contact our Helpline on 08458 501722*, visit our website www.skipton.co.uk or to find your nearest branch call 08457 171777*.
9. NO MAILING REMINDER
   From time to time, the Society and other companies in the Skipton Building Society Group may bring to your attention additional services and products in writing or by telephone. Unless you have already done so, you can request not to be contacted by writing to the Society at: Principal office, The Bailey, Skipton, North Yorkshire BD23 1DN.
10. If you would like this in large print, Braille or audio, please contact us on 0845 850 1722* or fax 01756 705700.

Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the building society, including their share of any joint account, and not to each separate account.

For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website, which is www.FSCS.org.uk or call 020 7892 7300

Skipton Building Society is a member of the Building Societies Association. Authorised and regulated by the Financial Services Authority (FSA) under registration number 153706 for accepting deposits, advising on and arranging mortgages and insurance. *To help maintain service and quality, some telephone calls may be recorded and monitored.