SmartChoice offers real potential. But to make the most of this, you need to:

• Make a minimum investment of €100 per month.
• Maintain your contributions to your SmartChoice plan for at least seven years.
• Your loyalty bonus is based on your first year's contribution only and is payable to your plan on the seventh anniversary of your plan provided seven year's continuous contributions have been made.
• However, because your needs can change over time, SmartChoice offers you some flexibility to achieve the loyalty bonus. This means you're free to take a payment break of six monthly contributions or you can withdraw an amount worth up to six times your first monthly contribution in the first seven years without losing your loyalty bonus.
• If either as a result of reducing your contributions below the initial contribution or suspending your contributions you miss more than six monthly contributions before the seventh anniversary of your plan, no loyalty bonus will be paid to the plan.