rates for other accounts

The maximum deposit limit for this account is £250,000

1. Gross is the rate of interest without the deduction of tax (please also see note 3).

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be

The maximum deposit limit for this account is £250,000

1. Gross is the rate of interest without the deduction of tax (please also see note 3).

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be

Rates include an introductory bonus. Please note we do not write to you separately, when this bonus expires. See notes below for further information.

The Annual Gross Rate of 5.74% applies to new accounts and those opened within the last six months and includes an introductory bonus of 1.24% gross p.a. payable for twelve months from the day the account is opened. This is a limited offer and may be withdrawn without notice. Only one introductory bonus is payable per customer. The Annual Gross Rate minus the introductory bonus is 4.50%. The annual interest is guaranteed to be no lower than 0.50% below the UK Bank Base Rate until further notice. The interest rate will be reviewed and adjusted if necessary to comply with the interest rate guarantee within 30 days of a UK Bank Base Rate change. We will notify customers at least six months in advance of any change to this guarantee, if the change is to their disadvantage.

2. Gross is the rate of interest without the deduction of tax (please also see note 3).

3. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

4. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

Rates include an introductory bonus. Please note we do not write to you separately, when this bonus expires. See notes below for further information.

The Monthly Gross Rate of 5.49% applies to new accounts and those opened within the last six months and includes an introductory bonus of 1.24% gross p.a. payable for twelve months from the day the account is opened. This is a limited offer and may be withdrawn without notice. Only one introductory bonus is payable per customer. The Monthly Gross Rate minus the introductory bonus is 4.25%. The monthly interest is guaranteed to be no lower than 0.50% below the UK Bank Base Rate until further notice. The interest rate will be reviewed and adjusted if necessary to comply with the interest rate guarantee within 30 days of a UK Bank Base Rate change. We will notify customers at least six months in advance of any change to this guarantee, if the change is to their disadvantage.

2. Gross is the rate of interest without the deduction of tax (please also see note 3).

3. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

4. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

The Annual Equivalent Interest Rate (AER) is guaranteed to be at least equal to the UK Bank Base Rate until 31 January 2010. The interest rate will be reviewed and adjusted, if necessary, to comply with the interest rate guarantee within one month of a UK Bank Base Rate change.

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

The Annual Equivalent Interest Rate (AER) is guaranteed to be at least equal to the UK Bank Base Rate until 31 January 2010. The interest rate will be reviewed and adjusted, if necessary, to comply with the interest rate guarantee within one month of a UK Bank Base Rate change.

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

The maximum deposit limit for this account is £250,000

1. Gross is the rate of interest without the deduction of tax (please also see note 3).

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be

The maximum deposit limit for this account is £250,000

1. Gross is the rate of interest without the deduction of tax (please also see note 3).

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be

Rates include an introductory bonus. Please note we do not write to you separately, when this bonus expires. See notes below for further information.

The Annual Gross Rate of 6.00% applies to new accounts and those opened within the last six months and includes an introductory bonus of 1.24% gross p.a. payable for twelve months from the day the account is opened. This is a limited offer and may be withdrawn without notice. Only one introductory bonus is payable per customer. The Annual Gross Rate minus the introductory bonus is 4.76%. The annual interest is guaranteed to be no lower than 0.50% below the UK Bank Base Rate until further notice. The interest rate will be reviewed and adjusted if necessary to comply with the interest rate guarantee within 30 days of a UK Bank Base Rate change. We will notify customers at least six months in advance of any change to this guarantee, if the change is to their disadvantage.

2. Gross is the rate of interest without the deduction of tax (please also see note 3).

3. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

4. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

Rates include an introductory bonus. Please note we do not write to you separately, when this bonus expires. See notes below for further information.

The Monthly Gross Rate of 5.75% applies to new accounts and those opened within the last six months and includes an introductory bonus of 1.24% gross p.a. payable for twelve months from the day the account is opened. This is a limited offer and may be withdrawn without notice. Only one introductory bonus is payable per customer. The Monthly Gross Rate minus the introductory bonus is 4.51%. The monthly interest is guaranteed to be no lower than 0.50% below the UK Bank Base Rate until further notice. The interest rate will be reviewed and adjusted if necessary to comply with the interest rate guarantee within 30 days of a UK Bank Base Rate change. We will notify customers at least six months in advance of any change to this guarantee, if the change is to their disadvantage.

1. Where the balance falls below £1, interest will be earned at the prevailing basic rate, currently 0.10% gross p.a.

2. Gross is the rate of interest without the deduction of tax (please also see note 3).

3. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

4. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

The Annual Equivalent Interest Rate (AER) is guaranteed to be at least equal to the UK Bank Base Rate until 31 January 2010. The interest rate will be reviewed and adjusted, if necessary, to comply with the interest rate guarantee within one month of a UK Bank Base Rate change.

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

The Annual Equivalent Interest Rate (AER) is guaranteed to be at least equal to the UK Bank Base Rate until 31 January 2010. The interest rate will be reviewed and adjusted, if necessary, to comply with the interest rate guarantee within one month of a UK Bank Base Rate change.

2. Net is the annual rate of interest payable after the deduction of basic rate tax (currently 20%). Interest will be paid net or, subject to the required certification, gross. Where the tax deducted exceeds an investor’s tax liability (if any), a claim may be made to HM Revenue & Customs for repayment of tax. For individuals whose income falls within the basic rate band, the tax deducted will match their liability to tax on the interest and they will have no more tax to pay on it. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax due. For further information please visit www.hmrc.gov.uk/individuals/babsi.htm.

3. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.