Savings

DirectSaver

	Annual Interest

	Minimum Balance		AER*/Gross*		Net*
	£100+		5.00%		4.00%

		The above variable rates are effective from 2 May 2008. Any withdrawals must be for at least £100.

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EasySaver

	Annual Interest

	Minimum Balance		AER*/Gross* (excl.bonus)		Gross* (incl.bonus)		Net* (incl. bonus)
	£100,000+		3.95%		4.95%		3.96%
	£50,000		3.70%		4.70%		3.76%
	£20,000		3.50%		4.50%		3.60%
	£10,000		2.90%		3.90%		3.12%
	£5,000		2.65%		3.65%		2.92%
	£100		2.40%		3.40%		2.72%

		The above variable rates are effective from 2 May 2008. Gross and Net rates include a 1% gross interest bonus payable for three months for all accounts opened before 31 December 2008. #This account allows withdrawals on 12 days per calendar year at the given rates. On any subsequent withdrawal or if the balance falls below £100, the interest rate will become 0.10% gross/AER (0.08%net) for the remainder of the year, and no bonus will be paid for that period.

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HomeSaver

	Annual Interest

	Minimum balance		AER*		Gross*		Net*
	£250+		7.00%		7.00%		5.60%

		The above variable rates are effective from 2 May 2008.

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Flexible Savings

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		1.90%		1.90%		1.52%
	£20,000		1.60%		1.60%		1.28%
	£10,000		1.45%		1.45%		1.16%
	£1,000		1.25%		1.25%		1.00%
	£100		1.05%		1.05%		0.84%

		The above variable rates are effective from 2 May 2008.

	Monthly Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		1.90%		1.88%		1.50%
	£20,000		1.60%		1.59%		1.27%
	£10,000		1.45%		1.44%		1.15%
	£1,000		1.25%		1.24%		0.99%
	£100		1.04%		1.04%		0.83%

		The above variable rates are effective from 2 May 2008.

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Regular Saver

	Anniversary Interest

	Minimum Balance		AER* (excl. bonus)		Gross* (incl. conditional bonus)		Net* (incl. conditional bonus)
	£20+		1.80%		4.80%		3.84%

		The above variable rates are effective from 2 May 2008.

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Premium Saver

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		3.90%		3.90%		3.12%
	£50,000		3.65%		3.65%		2.92%
	£20,000		3.45%		3.45%		2.76%
	£10,000		3.05%		3.05%		2.44%
	£5,000		2.85%		2.85%		2.28%
	£1,000		2.75%		2.75%		2.20%

		The above variable rates are effective from 2 May 2008.

	Monthly Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		3.90%		3.83%		3.06%
	£50,000		3.65%		3.59%		2.87%
	£20,000		3.45%		3.40%		2.72%
	£10,000		3.05%		3.01%		2.41%
	£5,000		2.85%		2.81%		2.25%
	£1,000		2.75%		2.72%		2.18%

		The above variable rates are effective from 2 May 2008.

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FirstSaver

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£1+		4.75%		4.75%		3.80%

		The above variable rates are effective from 2 May 2008.

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Clubs and Charities

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£25,000+		3.50%		3.50%		2.80%
	£10,000		3.05%		3.05%		2.44%
	£100		1.95%		1.95%		1.56%

		The above variable rates are effective from 2 May 2008. Exclusively available to unincorporated organisations (e.g. clubs & charities).

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Gross Interest Deposit

	Annual Interest

	Minimum Balance		AER*		Gross*
	£25,000+		3.50%		3.50%
	£10,000		3.05%		3.05%
	£100		1.95%		1.95%

		The above variable rates are effective from 2 May 2008. Exclusively available to clubs or charities which are incorporated bodies (i.e. have 'LTD' after their names).

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Members' Maturity Saver

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		4.00%		4.00%		3.20%
	£50,000		3.85%		3.85%		3.08%
	£20,000		3.55%		3.55%		2.84%
	£1,000		3.05%		3.05%		2.44%
	£250		2.95%		2.95%		2.36%

		The above variable rates are effective from 1 July 2008.

	Monthly Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		4.00%		3.93%		3.14%
	£50,000		3.85%		3.78%		3.02%
	£20,000		3.55%		3.49%