Savings Rates

Products currently available

• Everyday Savings Account

  Interest Rates subject to variation. Rate includes a 1% bonus for the first 12 months.

  	AER	Gross	Net
  Including introductory bonus	1.56%	1.55%	1.24%
  After introductory bonus	0.55%	0.55%	0.44%

• Advantage Cash ISA option

  Rates include a 1% bonus payable until 21 July 2010. Interest rates are variable and could change at any time, including within the latest date range quoted above. The rates have been presented in this way to reflect the reduction in the AER relative to the tax free rate over time. The AER reduces in this way because it is always calculated over a full 12 month period, while the bonus is only paid until a fixed date.

  From	To	Tax Free Rate	AER	Go to rate AER/Tax Free
  22/10/2009	22/11/2009	2.50%	2.25%	1.50%
  01/10/2009	21/10/2009	2.50%	2.33%	1.50%
  22/09/2009	30/09/2009	2.50%	2.08%	1.50%
  22/08/2009	21/09/2009	2.50%	2.17%	1.50%
  22/07/2009	21/08/2009	2.50%	2.25%	1.50%
  22/06/2009	21/07/2009	2.50%	2.33%	1.50%
  12/06/2009	21/06/2009	2.50%	2.42%	1.50%
  22/04/2009	11/06/2009	3.10%	3.02%	2.10%
  22/01/2009	21/04/2009	3.10%	3.10%	2.10%

• Fixed Rate Savings Issue 9

  Fixed Rate Savings Issue 9
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	2.50%	3.00%	4.00%
  Net	2.00%	2.40%	3.20%

  Fixed Rate Savings Issue 9 (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	2.50%	3.00%	4.00%

• Tracker Cash ISA option

  Only available to existing Tracker Cash ISA option customers

  Interest Rates subject to variation. Upward changes in the interest rate will be made within 5 working days of a change in the Bank of England base rate.

  From	To	AER/Tax Free
  06/03/2009	Present	0.50%
  06/02/2009	05/03/2009	1.00%

Bank of England Base Rate

• Base Rate History

  From	To	Rate
  06/03/2009	Present	0.50%
  06/02/2009	05/03/2009	1.00%

Products no longer available

• Fixed Rate Savings Issue 8 - Closed (30/09/2009)

  Fixed Rate Savings Issue 8 - Closed (30/09/2009)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	1.50%	2.00%	3.00%
  Net	1.20%	1.60%	2.40%

  Fixed Rate Savings Issue 8 - Closed (30/09/2009) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	1.50%	2.00%	3.00%

• Fixed Rate Savings Issue 7 - Closed (21/04/2009)

  Fixed Rate Savings Issue 7 - Closed (21/04/2009)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	2.50%	2.75%	2.75%
  Net	2.00%	2.20%	2.20%

  Fixed Rate Savings Issue 7 - Closed (21/04/2009) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	2.50%	2.75%	2.75%

• Fixed Rate Savings Issue 6 - Closed (21/01/2009)

  Fixed Rate Savings Issue 6 - Closed (21/01/2009)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	2.75%	3.00%	3.25%
  Net	2.20%	2.40%	2.60%

  Fixed Rate Savings Issue 6 - Closed (21/01/2009) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	2.75%	3.00%	3.25%

• Fixed Rate Savings Issue 5 - Closed (26/11/2008)

  Fixed Rate Savings Issue 5 - Closed (26/11/2008)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	5.00%	4.50%	4.50%
  Net	4.00%	3.60%	3.60%

  Fixed Rate Savings Issue 5 - Closed (26/11/2008) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	5.00%	4.50%	4.50%

• Fixed Rate Savings Issue 4 - Closed (16/10/2008)

  Fixed Rate Savings Issue 4 - Closed (16/10/2008)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	6.01%	5.80%	5.70%
  Net	4.81%	4.64%	4.56%

  Fixed Rate Savings Issue 4 - Closed (16/10/2008) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	6.01%	5.80%	5.70%

• Fixed Rate Savings Issue 3 - Closed (02/07/2008)

  Fixed Rate Savings Issue 3 - Closed (02/07/2008)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	5.70%	5.50%	5.40%
  Net	4.56%	4.40%	4.32%

  Fixed Rate Savings Issue 3 - Closed (02/07/2008) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	5.70%	5.50%	5.40%

• Fixed Rate Savings Issue 2 - Closed (05/12/2007)

  Fixed Rate Savings Issue 2 - Closed (05/12/2007)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	6.16%	6.06%	6.00%
  Net	4.93%	4.85%	4.80%

  Fixed Rate Savings Issue 2 - Closed (05/12/2007) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	6.16%	6.06%	6.00%

• Fixed Rate Savings Issue 1 - Closed (19/06/2007)

  Fixed Rate Savings Issue 1 - Closed (19/06/2007)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Gross	5.40%	5.45%	5.55%
  Net	4.32%	4.36%	4.44%

  Fixed Rate Savings Issue 1 - Closed (19/06/2007) (Cash ISA)
  Interest	1 Year Fixed Rate	2 Year Fixed Rate	3 Year Fixed Rate
  AER/Tax Free	5.40%	5.45%	5.55%

*AER is the Annual Equivalent Rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross means the rate of interest before the deduction of tax applicable to interest on savings. Net means the rate of interest after the deduction of the lower rate of tax. Tax free means the rate of interest where interest is exempt from income tax. Interest rates correct as at 05/11/2009.