Ipswich Building Society Existing Savings

	Balance	Current AER	Current Gross	Current Net	Summary of Terms/Payment of Interest
Big Bond	£5,000-£100,000	5.10% FIXED	5.10% FIXED	4.08%	• 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
Bonus Account Monthly	£2,500 - £9,999 £10,000 - £24,999 £25,000 - £49,999 £50,000 - £99,999 £100,000 and above	0.18% 0.23% 0.30% 0.40% 0.75%	0.18% 0.23% 0.30% 0.40% 0.75%	0.14% 0.18% 0.24% 0.32% 0.60%	• Instant access if balance remains over £5,000 • 56 Days' notice or 56 days' loss of interest on the amount withdrawn • Monthly interest
Child Trust Fund 1	£250 Inland Revenue voucher plus up to £1,200 each year until child reaches 18 year	2.90% TAX FREE	2.90% TAX FREE	2.90% TAX FREE	• 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
Christmas Club Accounts	£10 and above	0.10%	0.10%	0.08%	• Half yearly interest • Instant access
Corporate Account	£1 and above	0.23%	0.23%	0.18%	• Half yearly interest • Instant access
County Bond (3, 4, 5, 6 )	£1,000 - £24,999 £25,000 - £74,999 £75,000 - £99,999 £100,000 - £250,000	2.05% 2.30% 2.55% 2.75%	2.05% 2.30% 2.55% 2.75%	1.64% 1.84% 2.04% 2.20%	• Issue 3 matures on 31 May 2010 • Issue 4 matures on 31 August 2010 • Issue 5 matures on 30 November 2010 • Issue 6 option to mature on 28 February 2011 • 90 days' notice or interest penalty on amount withdrawn • Additional investments allowed (minimum £1000) • Interest paid annually on 1 December or for balances over £25,000, monthly interest option
County Bond 7	£1,000 - £24,999 £25,000 - £74,999 £75,000 - £99,999 £100,000 - and above	2.05% 2.30% 2.55% 2.75%	2.05% 2.30% 2.55% 2.75%	1.64% 1.84% 2.04% 2.20%	• Option to mature on 31 May 2010 or 31 May 2011 • 90 days' notice or interest penalty on amount withdrawn • No additional investments allowed • Interest paid annually on 1 December or for balances over £25,000, monthly interest option
County Bond 8 & 9	£1,000 - £24,999 £25,000 - £74,999 £75,000 - £99,999 £100,000 - and above	2.05% 2.30% 2.55% 2.75% Variable	2.05% 2.30% 2.55% 2.75% Variable	1.64% 1.84% 2.04% 2.20% Variable	• Issue 8 matures on 30 September 2011 • Issue 9 matures on 31 December 2011 • 90 days' notice or interest penalty on amount withdrawn • Additional investments allowed - minimum £1,000 • Interest paid annually on 1 December or for balances over £25,000, monthly interest option
Diamond Plus 1, 2, 3, 4, 5, 6 & 7	All issues have been transferred to our current Diamond Plus 8 - see Savings Investor section	See Savings Investor section for rates			See Savings Investor section for a summary of terms
Fixed Rate ISA 7 issue (Fixed to 5 April 2010)	£500 - £3,000 each tax year	5.25% TAX FREE FIXED	5.25% TAX FREE FIXED	5.25% TAX FREE FIXED	• No partial withdrawals are allowed during the fixed rate period • Early closure subject to 120 days' notice or penalty • Annual interest on 5 April
Fixed Rate ISA 9 (Fixed to 5 April 2010) (Cash ISA)	£100 and above ISA subscription limits apply	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	• Additional investments allowed • Early closure subject to 120 days' notice or 120 days' interest penalty • Interest added on maturity
Fixed Rate ISA 10 (Fixed to 31 October 2011) Cash ISA)	£500 - £19,999 £20,000 and above ISA subscription limits apply	3.25% 3.50% FIXED TAX FREE	3.25% 3.50% FIXED TAX FREE	3.25% 3.50% FIXED TAX FREE	• No additional investments allowed • Early closure subject to 120 days' notice or 120 days' interest penalty • Interest paid on 5 April and maturity
Fixed Rate ISA 11 (Fixed to 5 April 2011) Cash ISA)	£100 and above ISA subscription limits apply	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	• Fixed rate until 5 April 2011 • Early closure subject to 120 days' notice or 120 days' interest penalty • Interest paid on 5 April and maturity
Fixed Rate ISA 12 (Fixed to 5 April 2012) Cash ISA)	£100 - £9,999 £10,000 and above ISA subscription limits apply	3.00% 3.20% FIXED TAX FREE	3.00% 3.20% FIXED TAX FREE	3.00% 3.20% FIXED TAX FREE	• No additional investments allowed • Early closure subject to 120 days' notice or 120 days' interest penalty • Interest paid on 5 April and maturity
Fixed Rate ISA 13 (Cash ISA) Restricted availability to residents in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire & Hertfordshire or to any existing member	£100 and above ISA subscription limits apply	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	3.00% FIXED TAX FREE	• Fixed rate until 5 April 2012 • Additional investments allowed whilst product remains in our current range • Transfers-in allowed from other ISA providers • Early closure subject to 120 days' notice or 120 days' interest penalty • Interest paid on 5 April and maturity
Exclusive Fixed Rate ISA (Fixed to 5 April 2011) Exclusive follow-on ISA for holders of Fixed Rate ISA 5	Balances up to £11,999 Balances £12,000 and over	5.25% 5.50% TAX FREE FIXED	5.25% 5.50% TAX FREE FIXED	5.25% 5.50% TAX FREE FIXED	• No partial withdrawals are allowed during the fixed rate period • Early closure subject to 120 days' notice or penalty • Annual interest on 5 April
Heritage Bond 27 Fixed to 28 February 2011	£1,000 - £250,000	3.60% FIXED	3.60% FIXED	2.88% FIXED	• No additional investment or withdrawals • Interest paid annually on 28 February or for balances over £25,000, monthly interest option
Heritage Bond 28 Fixed to 31 May 2010	£1,000 - £250,000	2.55% FIXED	2.55% FIXED	2.04% FIXED	• No additional investments allowed • Interest paid annually on maturity or for balances over £25,000, monthly interest option
Heritage Bond 29 Fixed to 30 September 2011	£1,000 - £250,000	3.25% FIXED	3.25% FIXED	2.60% FIXED	• Early closure subject to 90 days' interest penalty • No additional investments allowed • Interest paid annually on maturity or for balances over £25,000, monthly interest option
Heritage Bond 30 Fixed to 31 December 2010	£1,000 - £19,999 £20,000- £250,000	2.75% 3.00% FIXED	2.75% 3.00% FIXED	2.20% 2.40% FIXED	• Early closure subject to 90 days' interest penalty • No additional investments allowed • Interest paid annually on maturity or for balances over £25,000, monthly interest option
Heritage Bond 31 Fixed to 31 December 2011	£1,000 - £250,000	3.75% Fixed	3.75% FIXED	3.00% FIXED	• Early closure subject to 90 days' interest penalty • No additional investments allowed • Interest paid annually on 31 December or for balances over £25,000, monthly interest option
Heritage Bond 32 Fixed to 31 March 2012	£1,000 - £250,000	3.75% Fixed	3.75% FIXED	3.00% FIXED	• 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
Heritage Bond 33 Fixed to 31 May 2011 Heritage Bond 34 Fixed to 30 September 2012	£1,000 - £19,999 £20,000- £250,000	2.75% 3.00% FIXED	2.75% 3.00% FIXED	2.20% 2.40% FIXED	• 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
Homebuyer Savings	£250 - £25,000	1.50%	1.50%	1.20%	• 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
Ipswich Tracker	£1,000 - £250,000	0.25%*	0.25%*	0.20%*	• 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
Ipswich Tracker 9th Issue Matures 30 April 2010 10th Issue Matures 30 June 2010 11th Issue Matures 31 October 2010 12th Issue Matures 28 February 2011 13th Issue Matures 30 June 2011 14th Issue Matures 30 September 2011 15th Issue Matures 31 December 2011	£5,000 - £250,000 From Issue 14 lower balance reduced to £1,000 - £250,000	0.10%* 0.35%†	0.10%* 0.35%†	0.08%* 0.28%†	• Tracks 0.6% below Bank of England Base Rate until maturity • 0.25% 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 £25,000 • No transfers from other Ipswich Building Society accounts allowed • Issue 9 Annual interest paid on 30 April • Issue 10 Annual interest paid on 30 June • Issue 11 Annual interest paid on 31 October • Issue 12 Annual interest paid on 28 February • Issue 13 Annual interest paid on 30 June • Issue 14 Annual interest paid on 30 September • Issue 15 Annual interest paid on 31 December
Member Loyalty Bond 1	£1,000 - £10,000	3.75% FIXED	3.75% FIXED	3.00% FIXED	• Fixed Rate until 30 April 2011 • Early closure subject to 120 days' notice or 120 days' interest penalty • No additional investments • Interest paid annually on 30 April
Member Loyalty Bond 2	£1,000 - £100,000 per qualifying member	2.75% FIXED	2.75% FIXED	2.20% FIXED	• Fixed rate until 31 May 2010 • Early closure subject to 90 days' interest penalty • No additional investments allowed • Interest paid annually on maturity or for balances over £25,000, monthly interest option
Member Loyalty Bond 3	£1,000 - £49,999 £50,000-£100,000 per qualifying member	3.35% 3.50% FIXED	3.35% 3.50% FIXED	2.68% 2.80% FIXED	• 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
Member Loyalty ISA (Cash ISA)	£3,000 - £6,600 plus interest if transferring in	3.80% FIXED TAX FREE	3.80% FIXED TAX FREE	3.80% FIXED TAX FREE	• Fixed Rate until 5 April 2011 • No other additional subscriptions allowed • Early closure subject to 120 days' notice or 120 days' interest penalty • Annual interest added to ISA on 5 April
Member Loyalty Stepped Bond	£1,000 - £50,000 per qualifying member	Step 1 2.75% FIXED Step 2 3.00% FIXED Step 3 3.50% FIXED	Step 1 2.75% FIXED Step 2 3.00% FIXED Step 3 3.50% FIXED	Step 1 2.20% FIXED Step 2 2.40% FIXED Step 3 2.80% FIXE	• 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
Members' Reward Bond 1, 2, 3, 4, 5, 6, 7 & 8	£1,000 - £5,000	1.10%	1.10%	0.88%	• Rate guaranteed 0.6% above Bank of England Base Rate until maturity • No partial withdrawals • Early closure subject to 120 days' interest penalty • Annual interest • Issue 2 Matures 30 April 2010 • Issue 3 Matures 30 June 2010 • Issue 4 Matures 31 October 2010 • Issue 5 Matures 28 February 2011 • Issue 6 Matures 30 June 2011 • Issue 7 Matures 30 September 2011 • Issue 8 Matures 31 December 2011
Monthly Saver 3	£10-£200 variable monthly subscriptions	0.70%* 2.70%†	0.70%* 2.70%†	0.56%* 2.16%†	• Annual bonus payable if all 12 monthly subscriptions made. • 2% Annual bonus is calculated on a daily basis on the 12 monthly payments made in the account year • No partial withdrawals • Early closure without notice or penalty • Annual interest on account anniversary
Mortgage Savings Plan	£100 - £50,000	6.99%	6.99%	5.59%	• Annual interest • No withdrawals
Non Personal Account 81/83	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 - £49,999 £50,000 - £99,999 £100,000 and above	0.10% 0.10% 0.13% 0.18% 0.23% 0.25% 0.55%	0.10% 0.10% 0.13% 0.18% 0.23% 0.25% 0.55%	0.08% 0.08% 0.10% 0.14% 0.18% 0.20% 0.44%	• Half yearly interest • Instant access
Non Personal Account 266/283	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 and above	0.10% 0.10% 0.13% 0.15% 0.18%	0.10% 0.10% 0.13% 0.15% 0.18%	0.08% 0.08% 0.10% 0.12% 0.14%	• Half yearly interest • Instant access
Non Personal Account 176	£1 and above	0.68%	0.68%	0.54%	• Half yearly interest • Instant access
Non Resident Account 96/97	£1 and above	0.10%	0.10%	0.08%	• Half yearly interest • Instant access
Non Resident Account 85	up to £10,000 £10,000 and above	0.10% 0.10%	0.10% 0.10%	0.08% 0.08%	• Half yearly interest • Instant access
Olympic Saver	£10 - £50 variable monthly subscriptions	0.50% *	0.50% *	0.40% *	• Rate equals Bank of England Base Rate until 30 November 2011 • No partial withdrawals • Early closure subject to 90 days' notice • Annual interest on account anniversary
Premier Deposit 2	£25,000 - £1,000,000	0.50%* 1.25%†	0.50%* 1.25%†	0.40%* 1.00%†	• 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
Premier 30	£1,000 - £24,999 £25,000 - £49,999 £50,000 - £74,999 £75,000 - £99,999 £100,000 & above	0.23% 0.38% 0.50% 0.63% 0.83%	0.23% 0.38% 0.50% 0.63% 0.83%	0.18% 0.30% 0.40% 0.50% 0.66%	• 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
Premier Monthly	£25,000 - £49,999 £50,000 - £74,999 £75,000 - £99,999 £100,000 and above	0.30% 0.40% 0.55% 0.75%	0.30% 0.40% 0.55% 0.75%	0.24% 0.32% 0.44% 0.60%	• Instant access • Monthly interest
Premier Portfolio	£1,000 - £40,000	0.23%	0.23%	0.18%	• Instant access account linked to Norwich Union Portfolio Bond • Annual interest
Premier Step Follow On	£1,000 - Value in maturing Premier Step 1 or 2 account	2.55%	2.55%	2.04%	• No additional investments allowed • 60 days' notice or interest penalty • Matures 31 October 2010 • Annual interest
Regular Saver Cash ISA	£20 - £300 monthly subscriptions	2.30% TAX FREE Rate conditional on 12 monthly subscriptions per year by standing order	2.30% TAX FREE	2.30% TAX FREE	• 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
Suffolk Monthly	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 and above	0.10% 0.18% 0.20% 0.25% 0.30%	0.10% 0.18% 0.20% 0.25% 0.30%	0.08% 0.14% 0.16% 0.20% 0.24%	• Instant access • Monthly interest
Target Saver 4 & 5	£90 - £250 variable monthly subscriptions	2.95%	2.95%	2.36%	• No partial withdrawals • Early closure subject to 120 days' interest penalty • Annual interest on account anniversary
Cash ISA (formerly TESSA Only ISA)	£500 - £9,000 capital balance from maturity	1.80% TAX FREE	1.80% TAX FREE	1.80% TAX FREE	• 7 Days' notice or 7 days' loss of interest on the amount withdrawn
Top Save (aged 11-21)	£1 - £499 £500 and above	1.45% 1.70%	1.45% 1.70%	1.16% 1.36%	• Instant access • Annual interest
Tracker ISA	£500 - £3,600 per tax year unless transferring in	0.10% for balances £500 - £11,999 0.25% for balances £12,000 - £17,999 0.50% for balances over £18,000 TAX FREE	0.10% for balances £500 - £11,999 0.25% for balances £12,000 - £17,999 0.50% for balances over £18,000 TAX FREE	0.10% for balances £500 - £11,999 0.25% for balances £12,000 - £17,999 0.50% for balances over £18,000 TAX FREE	• 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
Two Year Term Share (2nd Edition)	£2,500 - £49,999 £50,000 - £99,999 £100,000 and above	0.70% 1.00% 1.45%	0.70% 1.00% 1.45%	0.56% 0.80% 1.16%	• 90 days' notice or interest penalty on amount withdrawn • Annual interest
6 Month Fixed Rate Corporate Bond (for non-personal funds)	£25,000 - £2,500,000	1.90% FIXED	1.90% FIXED	1.52% FIXED	• 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
9 Month Fixed Rate Corporate Bond (for non-personal funds)	£25,000 - £2,500,000	2.00% FIXED	2.00% FIXED	2.00% FIXED	• 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
12 Month Fixed Rate Corporate Bond	£25,000 - £2,500,000	2.10% FIXED	2.10% FIXED	1.68% FIXED	• 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

Product	Balance	Previous AER	Previous Gross	Previous Net
Bonus Account Monthly	£2,500 - £9,999 £10,000 - £24,999 £25,000 - £49,999 £50,000 - £99,999 £100,000 and above	No change	No change	No change
Child Trust Fund 1	£250 Inland Revenue voucher plus up to £1,200 each year until child reaches 18 year	No change	No change	No change
Christmas Club	£10 and above	No change	No change	No change
Corporate Account	£1 and above	No change	No change	No change
County Bond (1 & 2)	£1,000 - £24,999 £25,000 - £74,999 £75,000 - £99,999 £100,000 - £250,000	No change	No change	No change
County Bond (3, 4, 5 & 6)	£1,000 - £24,999 £25,000 - £74,999 £75,000 - £99,999 £100,000 - £250,000	No change	No change	No change
Diamond Plus 1, 2, 3, 4, 5, 6 & 7	£2,500 - £100,000	No change	No change	No change
Ipswich Tracker	£1,000 - £250,000	No change	No change	No change
Ipswich Tracker 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 & 12, 13, 14 & 15	£5,000 - £250,000	No change	No change	No change
Members' Reward Bond 1, 2, 3, 4, 5, 6, 7 & 8	£1,000 - £5,000	No change	No change	No change
Monthly Saver 3	£10-£200 variable monthly subscriptions	No change	No change	No change
Mortgage Savings Plan	£100 - £50,000	No change	No change	No change
Non Personal Account	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 - £49,999 £50,000 - £99,999 £100,000 and above	No change	No change	No change
Non Personal Account	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 and above	No change	No change	No change
Non Personal Account	£1 and above	No change	No change	No change
Non Resident Account	£1 and above	No change	No change	No change
Non Resident Account	up to £10,000 £10,000 and above	No change	No change	No change
Olympic Saver	£10 - £50 variable monthly subscriptions	No change	No change	No change
Premier Monthly	£25,000 - £49,999 £50,000 - £74,999 £75,000 - £99,999 £100,000 and above	No change	No change	No change
Premier Portfolio	£1,000 - £40,000	No change	No change	No change
Premier Step Follow On	£1,000 - Value in maturing Premier Step 1 or 2 account	No change	No change	No change
Regular Saver Cash ISA	£20 - £300 monthly subscriptions	No change	No change	No change
Suffolk Monthly	£1 - £499 £500 - £4,999 £5,000 - £9,999 £10,000 - £24,999 £25,000 and above	No change	No change	No change
Target Saver 2	£90 - £250 variable monthly subscriptions	No change	No change	No change
Target Saver 3	£90 - £250 variable monthly subscriptions	No change	No change	No change
Cash ISA	£500 - capital balance from maturity	No change	No change	No change
Top Save	£1 - £499 £500 and above	No change	No change	No change
Tracker ISA	£10 - £3,600 each tax year	No change	No change	No change
Two Year Term Share 2nd Edition	£2,500 - £49,999 £50,000 - £99,999 £100,000 and above	No change	No change	No change

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