The flexible and convenient way to save tax-free*

With our UNISON Stakeholder standard Cash ISA, variable interest rates are tiered, so the more you save, the faster your savings increase, subject to the annual ISA subscription limit.

Stakeholder standard ISAs give you:

• A guarantee that the interest rate will not fall more than 1% below the Bank of England base rate, subject to an excluded period.
• No account charges and instant access to your savings however, before taking funds out of your account, it's worth remembering that withdrawals can't be replaced.
• You can add to your savings at any time, subject to the annual ISA subscription limit.
• A minimum investment of only £1 and a maximum of £3,600 in this tax year.

Want to know more?

Read our ISA Guide and additional important information from HM Revenue & Customs.

Interest Rates

	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 and tax free, please see our glossary.

Membership Reward

As well as the great rates above, you'll qualify as a member of Britannia, which means an annual cash bonus with our Membership Reward, subject to scheme rules.