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<p><strong>National Savings and Investments (NS&I) is a UK institution, operating
from a number of sites within the UK and abroad. </strong></p><p> </p><p><strong>The
powers governing NS&I products come from UK primary and secondary legislation.
Only individuals with a UK bank account are eligible to buy NS&I products. In
the event of independence, the current rules would prohibit individuals with only
a Scottish bank account from buying NS&I products. </strong></p><p> </p><p><strong>Any
changes to these rules would depend on negotiations between the UK and Scottish governments
in the event of independence. Both governments have said that there can be no pre-negotiations
on what the terms of independence might be before the referendum takes place.</strong></p><p>
</p><p><strong>The UK government believes that Scotland is better off as part of the
UK, and the UK is better off with Scotland in it.</strong></p><p> </p>
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