Interest Rates for Savings Accounts

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1 Interest Rates for Savings Accounts Intermediaries Rates apply to Barclays Private Clients International Limited Reference Rates The following reference rates are used for products that track the Base Rate: For sterling deposits the Base Rate is the Bank of England Base Rate which is currently 0.50%. For US dollar deposits the Base Rate is the Federal Reserve Funds Rate which is currently 0.25%. For euro deposits the Base Rate is the European Central Bank Main Refinancing Rate which is currently 0.25%. Rates correct as at 13 November Types of Interest Rates Interest rates can either be tracker rates, fixed rates or managed rates. We will tell you what type of rate applies to your account when you open it. Managed Rates For accounts with managed rates, we can make rate changes immediately if the change is of benefit to you. For accounts with managed rates where the account is a fixed term deposit or denominated in US dollars or another non European Economic Area (EEA) currency, we will personally notify you at least 30 days before making a change to the rate which is not favourable to you. For accounts with managed rates where the account is denominated in sterling, euros or another EEA currency or is not a fixed term deposit, we will personally notify you at least 2 months before making a change to the rate which is not favourable to you. The above does not apply where the rate tracks an external rate which is not set by Barclays, and there is a change to that external rate. Important Information Where the % below Base Rate is greater than the applicable Base Rate we will never apply a negative interest rate of below 0% and may choose to continue paying you a nominal rate of interest. If your account goes overdrawn without prior arrangement, you will be charged the Barclays unauthorised borrowing rate of 29.5%. Definitions Annual Equivalent Rate ( AER ) Illustrates what the interest would be if the interest was paid and compounded once each year. Gross Rate is the rate of interest payable before the deduction of tax. Account holders should check their own tax situation, as there may be a potential tax liability. Wealth and Investment Management

2 Products currently available International Business Base Rate Tracker A deposit account for Intermediaries (including clubs, charities, societies and other forms of associations). Rates track the applicable Base Rate. Same day access is available by transferring funds to your Business Current Account. Interest paid quarterly. There are no restrictions on withdrawals. No minimum balance, maximum balance 50 million (or currency equivalent), 5 million (or currency equivalent) for Financial Institutions. Sterling Balance ( ) % Below Base Rate Effective 7 December ,000, ,000, , , , If you deposit 100,000 for 12 months at an interest rate of % gross per annum, you will earn interest; therefore the total return at the end of a 12 month term will be 100, US dollar Balance ($) % Below Base Rate Effective 7 December 2009 $1,000, $500, $100, $25, $ If you deposit $100,000 for 12 months at an interest rate of 0.10% gross per annum, you will earn $ interest; therefore the total return at the end of a 12 month term will be $100, Euro Balance ( ) % Below Base Rate Effective 3 June ,000, , , , If you deposit 1,000,000 for 12 months at an interest rate of % gross per annum, you will earn interest; therefore the total return at the end of a 12 month term will be 1,000,

3 International Clients Monies Scheme For businesses or bodies who hold clients funds which must be kept separate e.g. solicitors. Each client is offered an individual interest bearing current account. Rates are linked to the applicable Base Rate. Interest paid quarterly. There are no restrictions on withdrawals. No minimum balance, maximum balance 50 million (or currency equivalent), 5 million (or currency equivalent) for Financial Institutions. Sterling Balance ( ) % Below Base Rate Effective 12 March ,000, , , , If you deposit 100,000 for 12 months at an interest rate of 0.10% gross per annum, you will earn interest; therefore the total return at the end of a 12 month term will be 100, US dollar Balance ($) % Below Base Rate Effective 18 December 2008 $2,000, $500, $200, $25, $ If you deposit $200,000 for 12 months at an interest rate of 0.00% gross per annum, you will earn $0.00 interest; therefore the total return at the end of a 12 month term will be $200,000. Euro Balance ( ) % Below Base Rate Effective 11 July ,000, , , , If you deposit 1,000,000 for 12 months at an interest rate of 0.10% gross per annum, you will earn 1, interest; therefore the total return at the end of a 12 month term will be 1,001,

4 International Currency Call Account Available in a wide range of currencies. Two days notice is typically required for access to funds. Same day access to funds held in USD and Canadian dollar accounts, all other currencies available at two working days notice. The minimum balance is US $3,000 or 3,000 (or currency equivalent). US dollar ($) effective 18 December 2008 $3, If you deposit $3,000 for 12 months at an interest rate of 0.00% gross per annum, you will earn $0.00 interest; therefore the total return at the end of a 12 month term will be $3,000. For clients opening accounts from 13 November Euro ( ) effective 13 November , If you deposit 3,000 for 12 months at an interest rate of 0.00% gross per annum, you will earn 0.00 interest; therefore the total return at the end of a 12 month term will be 3,000. International Deposit Account A current account which is available in all major currencies (except sterling). Interest is paid quarterly. There are no restrictions on withdrawals. The minimum balance is US $3,000 or 3,000 (or currency equivalent). Maintenance fee of 30 per quarter plus 7.50 per cheque issued (first five cheques are free). Rates are available on request. US dollar ($) effective 18 December 2008 $3, For clients opening accounts from 13 November Euro ( ) effective 13 November , If you deposit $3,000 for 12 months at an interest rate of 0.00% gross per annum, you will earn $0.00 interest; therefore the total return at the end of a 12 month term will be $3,000. Wealth Treasury Deposits (formerly, Treasury Deposits) A deposit over a fixed period with a fixed return linked to money market rates. Available in all major currencies. Minimum deposits apply to overnight ( 1 million or currency equivalent), one week ( 250,000 or currency equivalent) and one month ( 100,000 or currency equivalent). Rates are fixed at the point of purchase and change daily. They are available on request. At maturity funds can be repaid to your Barclays current or deposit account. Current Account Available in sterling, US dollar, euro and other currencies on request. No minimum balance. Same day access. All current accounts are non-interest bearing.

5 Products no longer available International 30 Day Step Saver Account (sterling only) effective from 12 March 2009 This account allows you to combine the benefit of instant access with higher deposit rates. If you leave your funds untouched for 30 days and your balance remains above 10,000 you will benefit from improved rates. No minimum balance. Maximum balance 5 million ( 2 million for Financial Institutions). STEP 1 (Instant Access) STEP 2 (After 30 days without a withdrawal and assuming 10,000 mininum balance) Balance % Below Gross Rate % Annual % Below Gross Rate % Annual Rates are tracker Base Rate Equivalent Base Rate Equivalent (variable) Rate % Rate % 1,000, , , , , , , If you deposit 500,000 for 12 months at an interest rate of % gross per annum, you will earn interest; therefore the total return at the end of a 12 month term will be 500,

6 This item can be provided in Braille, large print or audio by calling +44(0) *. * Lines are open 8am to 6pm UK time Monday to Friday excluding UK bank holidays. Call costs may vary please check with your telecoms provider. Calls may be recorded so that we can monitor the quality of our service and for security purposes. Barclays offers wealth and investment products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Private Clients International Limited, part of Barclays, is registered in the Isle of Man. Registered Number: C. Registered Office: Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ. Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission. Deposits made with Barclays Private Clients International Limited are covered by the Isle of Man Depositors Compensation Scheme as set out in the Depositors Compensation Scheme Regulations Barclays Private Clients International Limited, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Private Clients International Limited, Jersey branch has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey JE4 8NE, Channel Islands. Barclays Private Clients International Limited Jersey branch is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website or on request. Barclays Private Clients International Limited, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Private Clients International Limited, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Private Clients International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for `qualifying deposits up to 50,000, subject to certain limitations. The maximum total amount of compensation is capped at 100,000,000 in any 5 year period. Full details are available on the Scheme s website or on request. Details of the Scheme can also be obtained by telephoning us on 44 (0) or by writing to us at Barclays Private Clients International Limited Guernsey Branch, 6/8 High Street, St Peter Port, Guernsey, Channel Islands, GY1 3BE. Barclays Private Clients International Ltd places funds with other parts of its group and thus its financial standing is linked to that of the group. Publicly available information, including reports and accounts, is obtainable from Item Ref: BPCi1281. November 2013

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