Save Direct No Notice Account (2nd Issue) Super 90 Save Direct 90 (Annual) Save Direct 90 (Monthly) Bonus Saver Instant Access (1st Issue) Young Savers Bonus Account Regular Saver Shire Bond (3rd Issue) Flexi 30 (1st Issue) ISA Cash 60   Unless otherwise stated, all interest rates are variable and rates effective from 1 May 2008.
Save Direct No Notice Account (2nd Issue)  INTEREST ADDED ANNUALLY   Rates from 1 May 2008 Previous Rate BALANCE Gross % / AER Net % Gross % / AER £2,500+ 5.00 4.00 5.25 Super 90  INTEREST ADDED ANNUALLY OR MONTHLY   Rates from 1 May 2008 Previous Rates BALANCE Yearly Gross % / AER Yearly Net % Monthly Gross % / AER Monthly Net % Yearly Gross % / AER Monthly Gross % / AER £10,000+ 4.60 3.68 4.10 3.28 4.85 4.35 £25,000+ 4.75 3.80 4.35 3.48 5.00 4.60 £50,000+ 4.80 3.84 4.45 3.56 5.05 4.70 £100,000+ 4.90 3.92 4.60 3.68 5.15 4.85 £200,000+ 4.95 3.96 4.65 3.72 5.20 4.90 Withdrawals subject to 90 days notice Save Direct 90 (Annual)  INTEREST ADDED ANNUALLY   Rates from 17 May 2008 Previous Rate BALANCE Gross % / AER Net % Gross % / AER £10,000+ 5.25 4.20 5.50 Save Direct 90 (Monthly)  INTEREST ADDED MONTHLY   Rates from 17 May 2008 Previous Rates BALANCE Monthly Gross % AER % Monthly Net % Monthly Gross % AER % £10,000+ 5.05 5.17 4.04 5.30 5.43 Bonus Saver Instant Access (1st Issue)  INTEREST ADDED ANNUALLY   Rates from 1 May 2008 Previous Rate BALANCE Yearly Gross % / AER Yearly Net % Yearly Gross % / AER £100+ 0.62 0.50 0.87 £1,000+ 0.67 0.54 0.92 £2,000+ 0.72 0.58 0.97 £5,000+ 0.77 0.62 1.02 £10,000+ 0.82 0.66 1.07 £25,000+ 0.87 0.70 1.12 Additional 2.00% (gross) bonus if no more than six withdrawals are made during the year from December to November and account open at close of business on 30th November Young Savers Bonus Account  INTEREST ADDED ANNUALLY   Rates from 1 May 2008 Previous Rate BALANCE Yearly Gross % / AER Yearly Net % Gross % / AER £1+ 4.55 3.64 4.80 Additional 0.5% (gross) bonus payable if no more than 12 withdrawals in a year (December to November) and account open at close of business on 30th November. Regular Saver  INTEREST ADDED ANNUALLY   Rates from 1 May 2008 Previous Rate BALANCE Gross % / AER Net % Gross % / AER £25+ 4.75 3.80 4.75 Interest rate will be reduced by 3% (gross) if consecutive monthly payments are not made or if more than one withdrawal is made in a year (December-November) and account open at close of business 30th November. Shire Bond (3rd Issue)  INTEREST ADDED ANNUALLY OR MONTHLY   Rates from 1 May 2008 Previous Rates BALANCE Yearly Gross % / AER Yearly Net % Monthly Gross % / AER Monthly Net % Yearly Gross % / AER Monthly Gross % / AER £2,500+ 2.50 2.00 2.40 1.92 2.75 2.65 £5,000+ 2.50 2.00 2.40 1.92 2.75 2.65 £10,000+ 3.30 2.64 2.95 2.36 3.55 3.20 £20,000+ 3.40 2.72 3.10 2.48 3.65 3.35 £25,000+ 3.75 3.00 3.55 2.84 4.00 3.80 £50,000+ 4.10 3.28 3.85 3.08 4.35 4.10 £100,000+ 4.50 3.60 4.05 3.24 4.75 4.30 £200,000+ 4.70 3.76 4.50 3.60 4.95 4.75 90 days notice or 90 days loss of interest on balances below £10,000 Instant access on balances over £10,000 Flexi 30 (1st Issue)  INTEREST ADDED MONTHLY   Rates from 1 May 2008 Previous Rates BALANCE Monthly Gross % Monthly Net % AER % Monthly Gross % AER % £500+ 0.71 0.57 0.71 0.96 0.96 £2,500+ 0.81 0.65 0.81 1.06 1.07 £5,000+ 1.01 0.81 1.01 1.26 1.27 £10,000+ 1.51 1.21 1.52 1.76 1.77 £20,000+ 1.81 1.45 1.83 2.06 2.08 £25,000+ 2.06 1.65 2.08 2.31 2.33 £50,000+ 2.36 1.89 2.39 2.61 2.64 £100,000+ 2.76 2.21 2.80 3.01 3.05 Instant access on balances over £2,500 30 days notice or 30 days loss of interest on balances below £2,500 ISA Cash 60  INTEREST ADDED ANNUALLY   Rates from 1 May 2008 Previous Rate BALANCE % Tax Free /AER % Tax Free /AER £1+ 5.00 5.00 £3,000+ 5.35 5.35 £5,000+ 5.50 5.50 The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. On all savings accounts apart from ISAs, for basic rate taxpayers we will deduct income tax at the appropriate rate from any interest paid. If you pay income tax at a higher rate, you will have to pay additional tax on the interest to cover the difference between the tax deducted by us and the higher rate due. Alternatively, interest will be paid gross subject to receipt of a valid declaration of self-registration of eligible non-taxpayer status (Form R85). The net rate is the rate with tax deducted at 20%  AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added yearly. All rates quoted are variable (apart from fixed rate bonds).