If an annual management charge applies, how is it deducted from my account?

The charge is deducted monthly in arrears based on the value of your account at that time. The charge is first taken from income; if there is no income it is deducted from cash if there are insufficient income or cash it is taken from any accrued Loyalty Bonus. If there is not enough money to cover the fee it will remain outstanding until further monies are received into your Vantage account. If outstanding fees continue to accrue, we may contact you to request payment.