Savings Rates

Products currently available

• Everyday Savings Account

  Interest rates subject to variation. Rate includes 1% bonus for 12 months from account opening.

  From	To	Including bonus			Go to rate
  		AER	Gross	Net	AER	Gross	Net
  24/08/2010	Present	2.35%	2.33%	1.86%	1.35%	1.34%	1.07%
  14/05/2009	23/08/2010	1.56%	1.55%	1.24%	0.55%	0.55%	0.44%

• Advantage Cash ISA option

  Interest rates are variable and can change at any time.

  From	To	Tax Free Rate	AER
  09/02/2012	present	3.00%	3.00%

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

  From	To	Tax Free Rate	AER	Go to rate AER/Tax Free
  22/07/2010	08/02/2012	1.50%	1.50%	N/A
  22/06/2010	21/07/2010	2.50%	1.58%	1.50%
  22/05/2010	21/06/2010	2.50%	1.67%	1.50%
  22/04/2010	21/05/2010	2.50%	1.75%	1.50%
  22/03/2010	21/04/2010	2.50%	1.83%	1.50%
  22/02/2010	21/03/2010	2.50%	1.92%	1.50%
  22/01/2010	21/02/2010	2.50%	2.00%	1.50%
  22/12/2009	21/01/2010	2.50%	2.08%	1.50%
  22/11/2009	21/12/2009	2.50%	2.17%	1.50%
  22/10/2009	21/11/2009	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 13

  Fixed Rate Savings Issue 13
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Gross	3.25%	3.50%	3.75%
  Net	2.60%	2.80%	3.00%

  Fixed Rate Savings Issue 13 (Cash ISA)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Tax-Free	3.25%	3.50%	3.75%

• Flexi Cash ISA option

  Rate includes a 1.25% bonus payable for 30 months from initial deposit. Any subsequent tops ups into your Flexi Cash ISA option will be subject to the bonus period commencing on your first deposit. If you withdraw or transfer out the entire balance of your Flexi Cash ISA option, then for any subsequent deposits into this option (or transfer in from another ISA manager) the bonus period will apply from the date of your first deposit rather than the date of the subsequent deposit following the withdrawal.

  From	To	AER	Tax-free	Go to rate AER/Tax-free
  09/02/2010	Present	2.65%	2.65%	1.40%

• 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 12 - Closed (08/02/2012)

  Fixed Rate Savings Issue 12 - Closed (08/02/2012)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Gross	3.10%	3.20%	3.50%
  Net	2.48%	2.56%	2.80%

  Fixed Rate Savings Issue 12 - Closed (08/02/2012) (Cash ISA)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Tax-Free	3.10%	3.20%	3.50%

• Fixed Rate Savings Issue 11 - Closed (07/09/2011)

  Fixed Rate Savings Issue 11 - Closed (07/09/2011)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Gross	3.00%	3.20%	3.50%
  Net	2.40%	2.56%	2.80%

  Fixed Rate Savings Issue 11 - Closed (07/09/2011) (Cash ISA)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Tax-Free	3.00%	3.20%	3.50%

• Fixed Rate Savings Issue 10 - Closed (17/10/2010)

  Fixed Rate Savings Issue 10 - Closed (17/10/2010)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Gross	2.50%	2.85%	3.25%
  Net	2.00%	2.28%	2.60%

  Fixed Rate Savings Issue 10 - Closed (17/10/2010) (Cash ISA)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Tax-Free	2.50%	2.85%	3.25%

• Fixed Rate Savings Issue 9 - Closed (05/04/2010)

  Fixed Rate Savings Issue 9 - Closed (05/04/2010)
  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 - Closed (05/04/2010) (Cash ISA)
  Interest	1 year fixed rate	2 year fixed rate	3 year fixed rate
  AER/Tax-Free	2.50%	3.00%	4.00%

• 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. This is the interest rate you’d get if interest was paid and added to your savings 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 you don’t have to pay income tax on the interest you receive. Interest rates correct on 06/04/2012.