Interest Rates - Instant Access

Annually

Tier	Gross / AER	NET p.a.
£1+	1.25%	1.00%

Monthly

Tier	Gross rate p.a.*	Gross AER	Net rate pa*	Net p.a. (including bonus)
£1 +	1.24%	1.25%	0.99%	0.79%

*Interest paid monthly

Rates are variable and apply to eSaver (Issue 10) accounts and are effective from 15th March 2013.

Tier	Gross / AER	NET p.a.
£1 +	0.50%	0.40%

Rates are variable and effective from 15th March 2013.

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Instant Saver

Tier	Gross / AER	NET p.a.
£1+	0.10 %	0.08 %

Rate effective from 15th March 2013

Number of Withdrawals	Tier	Gross p.a. / AER	Net p.a.	Gross rate paid in month of withdrawal
One Withdrawal	£1+	1.15%	0.92%	0.10%
No Withdrawals	£1+	1.25%	1.00%	Not Applicable

Rates and information correct as at 15th March 2013.

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