Banking and Savings Accounts Interest Rates

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1 Banking and Savings Accounts Interest s

2 BANKING ACCOUNTS Gold Account The Gold Account is a flexible bank account that offers easy access to your money and can be held in sterling, euro and US dollar currencies. It is accompanied by a Gold Visa deferred-debit card. Sterling The Minimum Balance Requirement for a sterling Gold Account is 5,000. Interest rates are effective from 17 June 2013 Gold Account with/without Gold card Minimum opening balance 5,000 Interest paid quarterly 5,000 24, % 0.00% 25,000 49, % 0.00% 50,000 99, % 0.00% 100, , % 0.45% 250, , % 0.55% 1,000, % 0.70% Euro The Minimum Balance Requirement for a euro Gold Account is 7,500. Interest rates are effective from 13 November 2013 Gold Account with/without Gold card Minimum opening balance 7,500 Interest paid quarterly 7,500 24, % 0.00% 25,000 74, % 0.00% 75, , % 0.00% 150, , % 0.00% 375,000 1,499, % 0.00% 1,500, % 0.05% US Dollar The Minimum Balance Requirement for a US Dollar Gold Account is $7,500. Interest rates are effective from 1 April 2013 Gold Account with/without Gold card Minimum opening balance $7,500 Interest paid quarterly $7,500 $49, % 0.00% $50,000 $99, % 0.00% $100,000 $199, % 0.00% $200,000 $499, % 0.00% $500, % 0.05% Interest rates may vary. AER stands for and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the rate payable where interest is paid without the deduction of tax. The Minimum Balance Requirement is the minimum amount of money required to open, maintain and earn interest on an account.

3 Call Account The Call Account requires no notice for making withdrawals and offers unlimited access to your money, in sterling, euro or US dollar currencies. Interest is credited annually. Sterling The Minimum Balance Requirement is 1,000. Interest rates are effective from 05 March , % 0.00% Euro The Minimum Balance Requirement is 1,500. Interest rates are effective from 24 May 2013 a1,500 a1,499, % 0.00% a1,500, % 0.00% US Dollar The Minimum Balance Requirement is US$1,500. Interest rates are effective from 30 October 2008 $1, % 0.00%

4 SAVINGS ACCOUNTS Premium Notice Account A flexible savings account with variable interest rates. This is a sterling account with a choice of monthly or annual interest. 120 Day Premium Notice Account Interest rates are effective from 17 June days notice is required for withdrawal. The Minimum Balance Requirement is 25,000. Interest paid monthly 25,000 49, % 0.30% 0.30% 0.30% 50,000 99, % 0.45% 0.45% 0.45% 100, , % 0.70% 0.70% 0.70% 250, , % 0.80% 0.80% 0.80% 1,000, % 0.95% 0.95% 0.95% Instant Access Savings Account A sterling savings account offering a variable interest rate with the benefit of instant access up to six penalty-free withdrawals a year. Interest can be paid monthly or annually. The Minimum Balance Requirement is 3,000. Interest rates are effective from 17 June 2013 Interest paid monthly 3,000 49, % 0.10% 0.10% 0.10% 50,000 99, % 0.25% 0.25% 0.25% 100, , % 0.45% 0.45% 0.45% 250, , % 0.65% 0.65% 0.65% 1,000, % 0.70% 0.70% 0.70%

5 SAVINGS ACCOUNTS (cont.) Base Tracker Account An account paying an interest rate linked to the UK and requiring 90 or 180 days notice. These are sterling accounts with a choice of quarterly or annual interest. Interest rates are effective from 5 March 2009 Base Tracker days notice is required for withdrawals without penalty. The Minimum Balance Requirement is 50,000. Interest paid quarterly 50,000 Equal to Base 0.50% 0.50% Base -0.10% 0.40% 0.40% Base Tracker days notice is required for withdrawals without penalty. The Minimum Balance Requirement is 50,000. Interest paid quarterly 50,000 Base +0.20% 0.70% 0.70% Base +0.10% 0.60% 0.60% Fixed Deposit Contracts Fixed Deposit Contracts allow you to fix your funds at an agreed interest rate for a set period of time. Please note withdrawals are not permitted on our Fixed Deposit Contracts before maturity. Limited Offer 12 month Fixed Deposit Contract The Limited Offer 12 month Fixed Deposit Contract is available in a range of currencies Sterling, Euro and US Dollars. The Minimum Balance Requirements are 50,000, 50,000 or US$50,000. Interest is paid upon maturity. Interest rates are effective from 20 March 2013 Currency Sterling 50, % 0.80% 0.80% Euro 50, % 0.40% 0.40% US Dollar $50, % 0.65% 0.65% For longer term Fixed Deposit Contracts please speak to your Relationship Manager or Private Banker. over Term Fixed Deposit Service Our Fixed Deposit Service offers fixed rates on terms which can range from 1 week up to a year, for sterling, euro and US dollars currencies. Minimum Balance Requirements are 25,000, 50,000 or US$50,000. Please contact us for an indication rate. Base s as at 13 November 2013 The Sterling Base is currently 0.50%. The Euro Base is currently 0.25%. The US Dollar Base is currently 0.25%. All rates are subject to change without prior notice. Interest rates may vary. AER stands for and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the rate payable where interest is paid without the deduction of tax. The Minimum Balance Requirement is the minimum amount of money required to open, maintain and earn interest on an account.

6 Call Overseas call +44 (0) Visit Lines open 8am to 8pm, UK time, Mon to Fri. Calls may be recorded or monitored. Santander Private Banking is the registered business name of Abbey National International Limited which is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991, and investment business and general insurance mediation business under the Financial Services (Jersey) Law The latest audited accounts are available on request. Abbey National International Limited is a wholly owned subsidiary of Santander UK plc and is incorporated in Jersey with its principal place of business at Commercial Street, St Helier, Jersey JE2 3RU, Channel Islands. Telephone +44 (0) Calls may be recorded or monitored. Santander and the flame logo are registered trademarks. All accounts are opened and maintained in Jersey and therefore are not covered by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act Abbey National International Limited is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000 per depositor. The Scheme will pay the first 5,000 of a claim within seven working days and the balance within three months of receiving a valid claim. The maximum total amount of compensation payable by the Scheme 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. This Scheme only applies to cash deposits. ABIN 0095 NOV 13 F

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