Savings

DirectSaver

	Annual Interest

	Minimum Balance		AER*/Gross*		Net*
	£100+		5.25%		4.20%

		The above variable rates were effective from 3 March 2008 to 1 May 2008. Any withdrawals must be for at least £100.

EasySaver

	Annual Interest

	Minimum Balance		AER*/Gross* (excl.bonus)		Gross* (incl.bonus)		Net* (incl. bonus)
	£100,000+		4.20%		5.20%		4.16%
	£50,000		3.95%		4.95%		3.96%
	£20,000		3.75%		4.75%		3.80%
	£10,000		3.15%		4.15%		3.32%
	£5,000		2.90%		3.90%		3.12%
	£100		2.65%		3.65%		2.92%

		The above variable rates were effective from 3 March 2008 to 1 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.

HomeSaver

	Annual Interest

	Minimum balance		AER*		Gross*		Net*
	£250+		7.25%		7.25%		5.80%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

Flexible Savings

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		2.20%		2.20%		1.76%
	£20,000		1.90%		1.90%		1.52%
	£10,000		1.75%		1.75%		1.40%
	£1,000		1.55%		1.55%		1.24%
	£100		1.35%		1.35%		1.08%

		The above variable rates were effective from 3 March 2008 to 2 May 2008.

	Monthly Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		2.20%		2.18%		1.74%
	£20,000		1.90%		1.88%		1.50%
	£10,000		1.75%		1.74%		1.39%
	£1,000		1.55%		1.54%		1.23%
	£100		1.35%		1.34%		1.07%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

Regular Saver

	Anniversary Interest

	Minimum Balance		AER* (excl. bonus)		Gross* (incl. conditional bonus)		Net* (incl. conditional bonus)
	£20+		2.05%		5.05%		4.04%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

Premium Saver

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		4.20%		4.20%		3.36%
	£50,000		3.95%		3.95%		3.16%
	£20,000		3.75%		3.75%		3.00%
	£10,000		3.35%		3.35%		2.68%
	£5,000		3.15%		3.15%		2.52%
	£1,000		3.05%		3.05%		2.44%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

	Monthly Interest

	Minimum Balance		AER*		Gross*		Net*
	£100,000+		4.20%		4.12%		3.30%
	£50,000		3.95%		3.88%		3.10%
	£20,000		3.75%		3.69%		2.95%
	£10,000		3.35%		3.30%		2.64%
	£5,000		3.15%		3.11%		2.49%
	£1,000		3.05%		3.01%		2.41%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

The Capital Trust 30 Account is now a closed issue and any existing accounts were transferred to the Premium Saver Account.

FirstSaver

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£1+		5.00%		5.00%		4.00%

		The above variable rates were effective from 3 March 2008 to 1 May 2008.

Clubs and Charities

	Annual Interest

	Minimum Balance		AER*		Gross*		Net*
	£25,000+		3.75%		3.75%		3.00%
	£10,000		3.30%		3.30%		2.64%
	£100		2.20%		2.20%		1.76%

		The above variable rates were effective from 3 March 2008 to 1 May 2008. Exclusively available to unincorporated organisations (e.g. clubs & charities).

Gross Interest Deposit

	Annual Interest

	Minimum Balance		AER*		Gross*
	£25,000+		3.75%		3.75%
	£10,000		3.30%		3.30%
	£100		2.20%		2.20%

		The above variable rates were effective from 3 March 2008 to 1 May 2008. Exclusively available to clubs or charities which are incorporated bodies (i.e. have 'LTD' after their names).

*For an explanation of terms used such as AER, Gross and Net, please see our glossary.