Savings

Don't miss out, make use of your tax-free allowance - have instant access and a great rate on your savings.

• You can invest up to £3,600 in each tax year. It's just like a regular deposit account - with no penalties for withdrawals, no account charges, and no tax.
• You don't pay any tax on your investment or the interest. And you can still invest your remaining ISA allowance into a mini equity ISA.
• Our Stakeholder standard Cash ISA pays a great rate, which is guaranteed not to fall lower than 1% below the Bank of England base rate, subject to an excluded period - please see Terms and Conditions for full details.

	Annual Interest

	Minimum Balance		AER*		Tax-free*
	£9,000+		4.60%		4.60%
	£3,000		4.55%		4.55%
	£1		4.50%		4.50%

		The above variable rates are effective from 2 May 2008.

Important Information
Before applying for your account, don't forget to read the Terms and Conditions (including the amendment detailed below) and the Important Legal Information, which includes information regarding cancellation rights.

Amendment to the terms and conditions
Following your feedback, from 1 July 2008 we will no longer be writing to you everytime the interest rate of this account is changed. Please see full details.

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

Membership Reward After the initial qualifying period, we show our appreciation with our Membership Reward; currently an annual cash payment of up to a possible £500, subject to scheme rules and tenure.
Use our Membership Reward Calculator to see how much reward you could be earning.

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