Savings Interest Rates

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1 Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account Cash Club Account Royalties Saver

2 Instant Access Savings Account in account Gross Rate p.a./aer % Net Rate % p.a. 25, ,000 24, ,000 9, , We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the first business day of May. If you have a Student Royalties, Graduate Royalties, Royalties, Royalties Gold or Royalties Premier account, you can earn a 0.25% gross interest bonus. Instant Access Savings Account (Offset) Interest paid monthly in account Gross Rate % p.a. AER % Net Rate % p.a. 25, ,000 24, ,000 9, , If you have more than one Instant Access Savings Account in our Offset Service (see last page for more details), we will total the balances and apply interest at the tiered rate applicable for the combined balance. We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every month. If you have a Student Royalties, Graduate Royalties, Royalties, Royalties Gold or Royalties Premier Account you can earn a 0.25% gross interest bonus. If you are offsetting (see last page for more details), your bonus is applied on any amount in your Instant Access Savings Account over and above your outstanding Offset Flexible Mortgage balance. Instant Savings Tracker Account in account Gross Rate Net Rate Tracking Rate p.a./aer % % p.a. % below Bank of England Base Rate 50, ,000 49, ,000 24, ,000 9, , n/a We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The tracking rate only applies to interest on balances of 500 or more until 1 February You may make 3 withdrawals without separate charge during each 3 month period that you have your account (the first of which will commence on the date on which the account was opened). We will charge you 1.50 when you make each further withdrawal. First Home Saver Interest is calculated and paid in the same manner and at the same rates as for the Instant Savings Tracker Account as shown. You may make 3 withdrawals without separate charge during each 3 month period that you have your account (the first of which will commence on the date on which the account was opened). We will charge you 1.50 when you make each further withdrawal. The cashback is calculated on the lowest daily balance in the 6 months prior to taking out your mortgage with us. in account Cashback 50,000+ 5,000 Up to 50,000 2,500 Up to 25,000 1,000 Up to 10, to 4, The above table should be read together with our leaflet entitled First Home Saver (B155). The tax-free cashback is paid if you comply with the relevant terms and conditions that apply to your account, which are set out in Personal and Private Banking Terms and Conditions.

3 Bonus 30 Account The rates quoted below do not include any bonus interest. in account Gross Rate % p.a. AER % Net Rate % p.a. 100, ,000 99, ,000 49, ,000 24, ,000 9, , We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The rates below illustrate the interest rate when a full year s bonus is payable. A bonus of 1.00% gross per annum is paid annually on the last business day of March (where you have made no more than 4 withdrawals during the annual period) and is calculated on the daily cleared credit balance for that annual period (starting on the last business day of March). in account Gross Rate % p.a. AER % Net Rate % p.a. 100, ,000 99, ,000 49, ,000 24, ,000 9, , Fixed Rate Bond For information on our current interest rates please contact your branch for details, visit our website or call , or Minicom Instant Access ISA in account Gross Rate p.a./aer % (Excluding bonus) 24, ,000 23, ,000 14, ,000 8, , (Including bonus rate of 2% Gross for 12 months for customers who applied to transfer in funds from 18 September until 02 November 2008)* 24, ,000 23, ,000 14, ,000 8, , (Including bonus rate of 1.75% Gross for 12 months for customers who apply to transfer in funds from 03 November 2008)* 24, ,000 23, ,000 14, ,000 8, , *Bonus is for customers transferring Cash ISA funds from another provider (excludes transfers within the RBS group, which includes NatWest) and is calculated on the whole balance in the account for 12 months from receipt of the Cash ISA transfer request. Interest is paid tax free and is paid annually to the account. The bonus interest will be paid in two instalments at the end of March 2009 and March Offer may be withdrawn at any time. The bonus rate applies until such time as the offer is withdrawn. The above table should be read together with our leaflet Savings How to make the most of your money. We calculate interest on a daily basis. We add this interest to your account tax-free i.e. exempt from income tax, on the last business day of March, if you comply with the relevant terms and conditions that apply to your account, which are set out in our leaflet Personal and Private Banking Terms and Conditions.

4 Direct Saver Account in account Gross Rate p.a./aer % Net Rate % p.a. (Excluding bonus) 50, ,000 49, ,000 24, , (Including bonus rate of 1.30% Gross for 12 months for customers who opened an account from 19 September 2008)** 50, ,000 49, ,000 24, , **Interest is paid annually to the account. The bonus interest will be applied from the last business day of the month following the month in which your account is opened. It will be paid in two instalments, in April 2009 and April 2010, along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus. Offer may be withdrawn at any time. The bonus rate applies until such time as the offer is withdrawn. We calculate interest on a daily basis. We add this interest to your account every year on the last business day of April. This account can only be opened and operated through our online banking service. Telephone Saver Account in account Gross Rate p.a./aer % Net Rate % p.a. 50, ,000 49, , We calculate interest on a daily basis. We add this interest to your account every year on the last business day of March. This account can only be opened and operated through our telephone and online banking services. Rainbow Savings and Cash Club in account Gross Rate % p.a. AER % Net Rate % p.a. Rainbow Savings Cash Club We calculate interest on the Rainbow Savings Account on the lowest monthly balance in the account. We add this interest to your account every year in October. We calculate interest on Cash Club balances on a daily basis. We add this interest to your account at the end of December, March, June and September. We can pay interest without deduction of tax to non-taxpayers. If the child who is entitled to the income qualifies please complete and return HM Revenue and Customs form R85 which is available at any of our branches. If we do not receive a completed form by the time interest is payable, or the child does not qualify, interest will be paid or credited after deduction of income tax at the lower rate of 20%. Depending on the child s personal tax position you may still be able to claim tax back. Royalties Saver in account Gross Rate p.a./aer % Net Rate % p.a. 250, , , ,000 99, ,000 49, ,000 24, , We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) annually at the end of March. This account is only available to Royalties Gold and Royalties Private account holders and those we invite to open an account.

5 Definitions Below, we explain some of the most common terms used in this leaflet, in plain English. Annual Equivalent Rate (AER) This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts. Bank of England Base Rate This is an interest rate set by the Bank of England, which moves from time to time. Gross Rate This means the interest rate you are paid before the deduction of income tax. Net Rate This means the interest rate you are paid after the deduction of income tax. p.a. Per annum (per year) Interest on credit balances taxation In most instances, interest is paid after the deduction of 20% tax. If you are a non-taxpayer or overseas resident you can have interest paid without deduction of income tax provided you complete HM Revenue and Customs form R85 available at any of our branches. This also applies on a 50/50 basis where one party to a two party account is a non-taxpayer. Where the tax deducted exceeds an investor s tax liability (if any), a claim may be made to HM Revenue and Customs for repayment of tax. Individuals who pay only basic rate tax will have no more tax to pay on the interest from which tax has been deducted. Individuals who are liable at the higher rate of income tax of 40% will have to pay additional tax on the interest to cover the difference between the tax deducted and the higher rate tax due. Ask at your local branch for further information. Offset Service If you include an Instant Access Savings Account in our Offset Service, while you are offsetting, the money in your savings account is used to save you interest on your Offset Flexible Mortgage. When you start earning interest on the money in your savings account again (e.g. on any amount in your savings account over and above your outstanding Offset Flexible Mortgage balance), or if you do not yet have an Offset Flexible Mortgage in your Offset arrangement then the tax position is as detailed in the previous paragraph. Changes to Interest Rates From time to time we may alter interest rates. When we do this we may notify you by press advertisements in daily national newspapers, information on our website and, where the alteration applies to branch based accounts, by branch notices. We may also alter interest rates by notifying you personally not less than 30 days before the change takes effect. Where you can obtain interest rate information To find out more about our current interest rates, you can: phone our helpline use our Minicom service look at our website ask any of our branch staff

6 Summary Box Key Information for our Savings Accounts Account Name Cash Club Rainbow Savings Instant Access Cash ISA Instant Access Savings Account Royalties Saver Bonus 30 Interest Rate (AERs) Please refer to the rates information included within this document Tax Status Interest is paid tax-free if an R85 form is completed Tax-free Interest is paid after the deduction of 20% tax Conditions for bonus payment N/A For limited edition bonus rates see page 3 N/A No more than 4 withdrawals per annum Withdrawal arrangements Instant Access 30 days notice required for withdrawals Access Branch, Telephone or Internet Branch (Passbook) Branch, Telephone or Internet Summary Box Key Information for our Savings Accounts Account Name Instant Savings Tracker First Home Saver Direct Saver Telephone Saver Fixed Rate Bond Interest Rate (AERs) Please refer to the rates information included within this document Fixed Rate Bond interest rates vary from month to month. Please refer to the Fixed Rate Bond information sheet for that bond issue for the current rates Tax Status Interest is paid after the deduction of 20% tax Interest is paid after the deduction of 20% tax. Bonus is paid tax-free Interest is paid after the deduction of 20% tax Interest earned on balances of less than 50,000 will be paid subject to your tax status. Interest earned on balances of 50,000 or more will be paid without deduction of tax Conditions for bonus payment N/A Set up a standing order for at least 50 per month for 6 months. Qualify for and take out an RBS mortgage. Claim cashback within 3 months of taking out the mortgage. For limited edition bonus rates see page 4 N/A Withdrawal arrangements Instant Access. 3 withdrawals per quarter additional withdrawals incur a 1.50 charge Instant Access You may not close your bond before the date specified in the information sheet for that bond issue. If you close your bond before the date specified we will charge you an early redemption fee as detailed in that information sheet Access Branch, Telephone or Internet Branch Internet Only Telephone and Internet Only Branch

7

8 Interest rates and tiers are correct as at 3 November 2008 and may change. This leaflet is available in Braille, large print and on audio tape. Ask in branch or call (Minicom ) to request that the leaflet/brochure be sent to you in an alternative format. The Financial Services Compensation Scheme, set up under the Financial Services and Markets Act 2000, covers your account. For money held in a bank or building society in the UK the scheme will cover up to 50,000 of your claim. Most people who make deposits, including individuals and small firms, are covered. Deposits in all currencies are treated the same. For more information on the conditions of the scheme, please contact the FSCS at The Royal Bank of Scotland plc is a member of the Royal Bank of Scotland Group of companies. Calls may be recorded. Authorised and regulated by the Financial Services Authority. The Royal Bank of Scotland plc Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB Registered in Scotland No Website RBS L250 03/11/08

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