Discontinued/Closed Issue Products

• Fixed rate until 31 October 2014
• No withdrawals are allowed up to 31 October 2011. Thereafter 180 days' interest penalty will apply.
• Additional investments allowed whilst product still in current range
• Interest paid annually on account anniversary or for balances over £25,000, monthly interest option

• Instant access if balance remains over £5,000
• 56 Days' notice or 56 days' loss of interest on the amount withdrawn
• Monthly interest

• No withdrawals allowed until child reaches 18 years old
• Transfers allowed
• This is a Cash Child Trust Fund. It is not a stakeholder Child Trust Fund
• Annual interest on birthday of child

• Half yearly interest
• Instant access

• Half yearly interest
• Instant access

• 90 days' notice or interest penalty on amount withdrawn
• Additional investments allowed
• Interest paid annually on 1 December or for balances over £25,000, monthly interest option

• No additional investments allowed
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Interest paid on 5 April and maturity

• Additional investments allowed whilst product remains in our current range
• Early closure subject to 120 days' notice or 120 days' interest penalty
• Interest paid on 5 April and maturity

• Early closure subject to 90 days' interest penalty
• No additional investments allowed
• Interest paid annually on 31 March or for balances over £25,000, monthly interest option

• Early closure subject to 90 days' interest penalty
• No additional investments allowed
• Interest paid annually on 31 May (HB33) or 30 September (HB34) or for balances over £25,000, monthly interest option

• Early closure subject to 90 days' interest penalty
• No additional investments allowed
• Interest paid annually on 31 May (HB33) or 30 September (HB34) or for balances over £25,000, monthly interest option

• Early closure subject to 120 days' interest penalty
• No additional investments
• Interest paid annually on 30 November

• Early closure subject to 120 days' interest penalty
• No additional investments allowed
• Interest paid annually on 31 August or for balances over £25,000, monthly interest option

• Early closure subject to 120 days' interest penalty
• No additional investments allowed
• Interest paid annually on 31 July or for balances over £25,000, monthly interest option

• Rate guaranteed 1% above Bank of England Base Rate for three years
• No withdrawals or closure in first 6 months
• Subsequent closure penalty free if IBS mortgage is taken, if not 120 days' interest penalty
• Interest paid annually on 1 December

SUMMARY OF HOLIDAY SAVE TERMS:

• Holiday Save in association with Fred.Olsen Travel
• One withdrawal per anniversary year
• 3% variable bonus added on account anniversary subject to 11 payments received in account year. Bonus is calculated on payments made in anniversary year only
• Annual interest on account anniversary  

BENEFITS TO HOLIDAY SAVE ACCOUNT HOLDERS:

• Eligible for a discount of up to 10% off any holiday booked at Fred. Olsen Travel branches only

• Tracks 0.25% below Bank of England Base rate
• 0.5% Existing member bonus for the first year only
• 90 days' notice or interest penalty on the amount withdrawn
• No notice required if remaining balance exceeds £10,000

• Fixed rate until 30 September 2011
• Early closure subject to 120 days' interest penalty
• No additional investments allowed
• Interest paid annually on maturity or for balances over £25,000, monthly interest option

• Step 1: Account opening to 31 May 2010
• Step 2: 1 June 2010 to 31 May 2011
• Step 3: 1 June 2011 to 31 May 2012
• Early closure subject to 90 days' notice or interest penalty
• No additional investments allowed
• Interest paid annually on 31 May

• Annual interest
• No withdrawals

• Half yearly interest
• Instant access

• Half yearly interest
• Instant access

• Half yearly interest
• Instant access

• Half yearly interest
• Instant access

• Half yearly interest
• Instant access

• Interest equals Bank of England base rate
• 0.75% Bonus payable until 30 November 2010
• Withdrawals subject to 7 days notice, minimum £10,000 cheque or CHAPS
• Interest paid annually on 1 December

• 1 penalty free withdrawal per year
• 30 days' notice or interest penalty on the amount withdrawn
• No notice required if remaining balance exceeds £10,000
• Interest paid annually on 1 December

• Instant access
• Monthly interest

• Instant access account linked to Norwich Union Portfolio Bond
• Annual interest

• Variable monthly payments
• No partial withdrawals during 12 month period
• Access to funds in 13th month without notice or penalty
• Annual interest on account anniversary

• Instant access
• Monthly interest

• 7 Days' notice or 7 days' loss of interest on the amount withdrawn

• Rates track Bank of England Base Rate at
- 0.5% below Bank Base Rate on balances £500 - £11,999
- 0.25% below Bank Base Rate on balances £12,000 - £17,999
- Bank Base Rate for balances over £18,000
• 30 days' notice or interest penalty on amount withdrawn
• Annual interest added to ISA on 5 April
When the Base Rate changes, the rate on this account will change 7 days later

• No initial or annual administration charges
• Withdrawals subject to 60 days' notice or interest penalty
• Additional investments allowed
• Annual interest paid on 5 April

• Fixed interest for 6 months from the opening date
• No withdrawals but early closure subject to 30 days' interest penalty
• Interest added on the 6 month anniversary

• Fixed interest for 9 months from the opening date
• No withdrawals but early closure subject to 60 days' interest penalty
• Interest added on the 9 month anniversary

• Fixed interest for 12 months from the opening date
• No withdrawals but early closure subject to 90 days' interest penalty
• Once Bond has been opened, up to an additional £100,000 may be added during the fixed rate period.
• Interest added on the 12 month anniversary