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UK Fixed Rate Bond

CURRENT INTEREST RATES

Fixed Rate Bond
Term	*Gross/AER %	Net %
1 year	6.00	4.80
2 years	6.00	4.80
3 years	6.00	4.80
4 years	6.00	4.80
5 years	6.00	4.80

*Subject to tax at the lower rate. Terms and conditions apply. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year.

• Available by post or telephone
• Flexibility to choose an investment term from 1 to 5 years
• Interest rate guaranteed for the full term of the Bond so you will always know the return you are getting on your lump sum
• Interest is calculated daily and added to the Bond on the first anniversary and every year thereafter until final maturity
• The same rate is offered regardless of the amount deposited.
• Annual statement issued on the anniversary date that you opened your Bond
• A minimum lump sum of �500 is required
• Additional deposits are not permitted after opening your Bond*
• Early withdrawals are subject to interest penalties

*If you would like to find out about opening additional Bonds please call us on 08454 55 22 22.

Once your Bond is open

• We will send you written confirmation of your new Bond number, initial deposit and the applicable interest rates within three business days of receiving your application
• We will confirm any transactions on your Bond
• We will send you an annual statement on the anniversary date of your Bond being opened
• You can ask us for a Certificate of Interest at no charge by calling our Personal Savings Account Team on 08454 55 22 22.
• Unfortunately, no additional deposits are allowed to our Fixed Rate Bonds

Terms and Conditions