Here you'll find details of our terms for each of the different accounts available to you. Click on the account of your choice to read the terms of business that will apply; you'll also receive a copy of these terms with your application pack.

Terms of business - These terms apply to the following services:

Share Account - the day to day dealing and safe custody facility that's akin to your bank current account

DIY ISA - tax-efficient investing where you get to pick the shares you want

DIY Pension - tax-efficient investing that lets you plan for your retirement - Please call 0800 800 008 for details

Child Trust Fund - make the most of your child's CTF.

Junior Investment Account - invest where and when you want to give your child a strong financial start to their adult life

Investment Club Share Account - the share dealing account that helps you keep your members involved and informed

Certificate sales - the quick and easy way to sell share certificates for companies traded on the London Stock Exchange, AIM and Ofex, plus UK Gilts.

Sharemark share certificate sales - sell share certificates for companies traded on Sharemark

Advice service - free advice for all account holders