Summary Box Key Product Information for our Savings Account(s)

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1 Interest Rate Conditions for bonus payment Withdrawal arrangements Premium Saver One or more withdrawals in the month 1 24, % 25,000 49, % 50,000 1,000, % Over 1,000, % No withdrawals in the month 1 24, % (no bonus paid) 25,000 49, % (includes 0.65% bonus) 50,000 1,000, % (includes 0.80% bonus) Over 1,000, % (no bonus paid) Interest is tiered, meaning the rates shown are paid on the total balance Interest earned will be paid without the deduction of income tax Bonus interest is paid on balances between 25,000 and 1,000,000 if no withdrawals have been made by the second-last business day of the month. Any withdrawals after that day count towards the following month. If your balance is below 25,000 at the start of the month and you deposit money during the month you will receive bonus interest for the days your balance is 25,000 or more provided you have not made any withdrawals Instant

2 Savings Builder Interest Rate Balance increases by less than 100 in the month % Balance increases by 100 or more in the month 1 5, % (includes 1.40% bonus) 5,001 10, % (includes 0.90% bonus) 10, % (inlcudes 0.10% bonus) Interest is stepped, meaning the rates shown are paid on each portion of the balance Interest earned will be paid without the deduction of income tax Conditions for bonus payment Withdrawal arrangements Bonus interest is paid when you increase your balance by at least 100 in the month. You need to have made the deposit by close of business on the second-last business day of the month. Any deposits after this date will count towards the next month s balance increase Instant

3 Account Name Instant Saver Interest Rates effective until 11 April , % 1 49, % Interest Rates effective from 11 April % Interest earned will be paid without the deduction of income tax Conditions for bonus payment N/A Instant

4 Account Name First Reserve* Interest Rates effective from 2 January , % 1 49, % Interest earned will be paid without the deduction of income tax Conditions for bonus payment N/A Instant Only available to customers who hold or apply for an offset mortgage arrangement.

5 First Saver Interest Rates 25, % 1 24, % Interest earned will be paid without the deduction of income tax Conditions for bonus payment N/A Instant

6 Interest rates effective from 1 December 2015 Conditions for bonus payment Cash ISA Tax-free AER Rate p.a. (variable) (variable) 100, % 1.00% 50,000 99, % 0.75% 25,000 49, % 0.50% 1 24, % 0.25% Tax-free (exempt from UK income tax) N/A Instant Does not offer flexible ISA functionality, and the most you can deposit during a tax year is the annual allowance, even if you make withdrawals from your account.

7 Interest rates effective from 1 December 2015 Conditions for bonus payment Help to Buy: ISA AER Tax-free p.a. (variable) (variable) % 1.98% Tax-free (exempt from UK income tax) When you purchase your first home the UK Government will pay you a bonus of 50 on every 200 of closing balance in your Help to Buy: ISA. The minimum bonus is 400 on a closing balance of 1,600 and the maximum bonus is 3,000 on a closing balance of 12,000. When you are ready to buy your first home you must close your Help to Buy: ISA before claiming for your bonus from the UK Government through your conveyancer. For further information visit Instant Any withdrawals cannot be re-deposited if they exceed the Help to Buy: ISA monthly allowance, which is up to 1,200 in the month you first fund your account and then up to 200 per month thereafter.

8 Interest Rates Conditions for bonus payment Fixed Rate ISA Fixed Rate ISA interest rates vary from issue to issue. Please refer to the latest Fixed Rate ISA information sheet for current rates. Tax-free (exempt from UK income tax) N/A You can make withdrawals and deposits on your Fixed Rate ISA until the last business day before the Fixed Term Start Date. After this date, if you require access to your money, your Fixed Rate ISA account will be closed and any money not withdrawn or transferred will be deposited into a Cash ISA. An Early Closure Charge will be charged. Details of the charges and the last day for transactions are set out in the Information Sheet.

9 Interest Rates Conditions for bonus payment NatWest Fixed Term Savings Accounts Fixed Term Savings Account interest rates vary from issue to issue. Please refer to the Fixed Term Savings Account information Sheet for that issue for the current rates. Interest earned will be paid without the deduction of income tax N/A Partial withdrawals are not permitted after the Start Date of your Fixed Term Savings Account. If you change your mind about opening your Fixed Term Savings Account you have a 14-day period from the later of the date on which your Savings Account is opened and the date on which you first received the Information Sheet and Fixed Term Savings Account Terms for these Issues in which to contact us to cancel your Savings Account without incurring an Early Closure Charge. We will return your deposit and any interest it has earned to a NatWest account advised by you. You may close your Fixed Term Savings Account before the Maturity Date by giving 35 days written notice to your branch. We will apply an Early Closure Charge as set out in the Information Sheet for your issue. An Early Closure Charge will not apply in the event of your non-voluntary redundancy or death, although 35 days notice will still be required to close the account.

10 NatWest Fixed Term Savings Accounts You may close your Fixed Term Savings Account before the Maturity Date by giving 35 days written notice to your branch. We will apply an Early Closure Charge as set out in the Information Sheet for your issue. An Early Closure Charge will not apply in the event of your non-voluntary redundancy or death, although 35 days notice will still be required to close the account. If you close your Savings Account before the Maturity Date, your deposit and any interest earned less the Early Closure Charge will be paid into an account advised by you. The Early Closure Charge will be the lower of (a) the gross interest that has been earned on your Fixed Term Savings Account or (b) an amount equal to 90 days gross interest. The Early Closure Charge will be deducted from interest that remains within your account but if that amount is insufficient the balance will be deducted from your deposit. The total of the interest paid and deposit you receive back from us will be no less than your deposit at the Fixed Term Start Date. You can apply for this product in branch, online and via the telephone NWB 06/04/2016

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