Many of the products offered by SFS are not like building society or bank deposit accounts. Your capital is at risk so you may get back less than you originally invested. The value of your investments and any income from them may fall as well as rise. To help maintain service and quality, some calls may be recorded and monitored. Calls are free from a BT landline, costs from other networks and mobiles may vary. Lines open 9am-7pm, Monday to Thursday and 9am-5pm on Friday for all phone numbers apart from 0800 085 0459 where lines are open 9am-5pm, Monday to Friday.