AA Fixed Rate ISA Savings

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1 AA Fixed Rate ISA Savings For the road ahead

2 The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether the AA Fixed Rate ISA, provided by Birmingham Midshires, a division of Bank of Scotand pc, is right for you. You shoud read this document carefuy so that you understand what you are buying, and then keep it safe for future reference. AA Fixed Rate ISA Cash ISAs expained An ISA, or Individua Savings Account, can offer a very attractive way to hep you pay ess tax on your savings. Whether or not you pay tax on your income or other savings, you won t have to pay any persona income tax on ISAs. You can ony open one cash ISA each tax year and you can deposit up to 5,340 in a cash ISA this tax year. You can save in a cash ISA in the same year that you invest in a stocks and shares ISA. For further information about stocks and shares ISA imits,pease see Key Questions. Tax treatment depends on individua circumstances and may change. AA Fixed Rate ISA in detai The AA Fixed Rate ISA is a cash ISA. You can open your account with as itte as 1 and deposit a maximum of 5,340, for the current tax year. Your initia deposit shoud be for the fu amount you woud ike to save. You know exacty what rate of interest you earn over the fu term of your account. We can cose this issue at any time, and if we do so, you won t be abe to pay any more money into it. If you haven t used this year s fu cash ISA aowance, but pan to pay in more money during this tax year, it may be best to do so now because if you decide to deay and we cose the issue, you won t be abe to pay in any more money. Aso you won t be abe to open another cash ISA in this tax year. Interest wi be paid yeary. Withdrawas are aowed by post subject to a charge. The charge wi depend on the remaining term of the account and is the equivaent of a number of days tax free interest, this can be between 90 and 365 days. This charge wi be taken from the account baance and depending on when the withdrawa is made, may resut in you getting back ess that you originay deposited. If your chosen AA Fixed Rate ISA is fuy subscribed at the time we receive your funds (cheque or transferred funds) we either return your appication aong with your cheque and any other instructions we receive, or contact you about other offers we currenty have.

3 Interest The term of the account wi run from the date of the first deposit. Your interest is cacuated daiy and is paid yeary on the anniversary of the first deposit and again at maturity if appicabe. Interest payments to non AA accounts wi reach that other account by the end of the next bank working day. (A bank working day is any day between 9am and 3pm which is not a Saturday, Sunday or Engish or Pubic Hoiday.) For fu detais about current interest rates, visit our website at theaa.com/savings or ca the AA Savings Team on AA Fixed Rate ISA Key Questions Who can save in an AA Fixed Rate ISA? You can save in an AA Fixed Rate ISA provided you re 16 or over and resident and ordinariy resident in the UK for tax purposes. You can t subscribe to more than one cash ISA in the same tax year. An ISA cannot be appied for in joint names. What are the current ISA imits? Current ISA reguations aow you to invest up to 10,680 this tax year by choosing one stocks and shares ISA or a combination of one cash ISA and one stocks and shares ISA. You can save up to 5,340 in a cash ISA for this tax year. Can cash ISAs be transferred? If you ve aready saved in a cash ISA for this tax year but woud sti ike to save in our AA Fixed Rate ISA, you can do so by transferring some or a of your previous year s subscriptions or a of your current tax year subscription into the AA Fixed Rate ISA. If you open a cash ISA and subsequenty transfer it into a stocks and shares ISA, you can sti save any remaining aowance in a cash ISA during the current tax year as ong as the tota investment imits are not exceeded. You wi ony be abe to transfer into an AA Fixed Rate ISA as ong as the issue remains open. How can I view my baance? You manage your AA Fixed Rate ISA by post. For terms of more than 12 months, we send you a statement each year. Can I change my mind? You can cose an AA Fixed Rate ISA within 14 days of your appication being competed. If you do so successfuy within 14 days you can sti open another cash ISA within the same tax year. After the first 14 days, you can sti cose your account subject to a oss of interest on the amount withdrawn. However, you may ose your tax free entitement, uness you transfer to another ISA. For specific withdrawa arrangements, pease see summary box. If you woud ike to cose your account at any time, pease write to our AA Savings Team at:

4 AA Savings PO Box 81 Pendeford Business Park Wobaston Road Woverhampton WV9 5HZ What happens at the end of the term? We write to you before your account matures, giving you options to hep you decide what to do with your investment. If we do not hear from you before your account matures, we re-invest your funds into a variabe rate ISA of our choice. Compensation scheme We are covered by the Financia Services Compensation Scheme. For further information about the scheme (incuding the amount covered and eigibiity to caim), pease ca us on , refer to the FSCS website or ca or How to compain If you do have a probem we do our best to resove it immediatey. Where we cannot we ensure you have the name and contact detais of the person or team deaing with your compaint. Te us if there s a probem If you have a compaint or just want to te us about something we coud do better, there are a number of ways you can et us know: By teephone: ca the AA Savings Team on By post: write to us at The AA Customer Reations Team, Birmingham Midshires, PO Box 81, Pendeford Business Park, Wobaston Road, Woverhampton, WV9 5HZ If you re sti not happy We do our best to sort things out but if we can t put things right to your satisfaction, you can ask the Financia Ombudsman Service to ook at your compaint - provided you have tried to resove the matter directy with us first. We hope you don t need to contact the Financia Ombudsman Service but if you do, we te you how to do this.

5 Summary Box Key Product Information Account name Interest rates (AERs) Tax status Conditions for bonus payment Withdrawa arrangements Access AA Fixed Rate ISA For current interest rates and detais of the terms avaiabe, pease refer to the etter with this brochure, visit theaa.com or ca The interest rate on this account is fixed Interest wi be paid tax free. Tax treatment depends on your individua circumstances and may change. There is no bonus avaiabe on this account Withdrawas are aowed by post subject to a charge. The charge wi depend on the remaining term of the account and is the equivaent of a number of days tax free interest. Any withdrawa charge wi be taken from your account baance. 1 year or ess: 90 days oss of tax free interest Up to 2 years: 180 days oss of tax free interest Up to 3 years: 270 days oss of tax free interest Up to 4 years: 320 days oss of tax free interest Up to 5 years: 365 days oss of tax free interest Posta Opening an AA Fixed Rate ISA For further information and to appy, pease visit theaa.com/savings to compete the appication form or ca the AA Savings team on For more information on the AA Fixed Rate ISAs, ca our AA Savings Team on

6 This information is aso avaiabe on request in arge print, Braie or audio. Customers can aso contact us by using Text Reay. AER stands for Annua Equivaent Rate and iustrates what the interest rate woud be if interest was paid and compounded once each year. Tax free is the contractua rate of interest payabe where interest is exempt from income tax. Tax treatment depends on your individua circumstances and may change. PO Box 81, Pendeford Business Park, Wobaston Road, Woverhampton WV9 5HZ. Teephone: Cas may be monitored and recorded for security and training purposes. Lines are open Monday to Saturday 8am to 8pm. The deposit taker for AA Savings accounts is Birmingham Midshires, a division of Bank of Scotand pc, which is authorised for accepting deposits by the Financia Services Authority. It is entered in the FSA s Register and its Register Number is Registered office: The Mound, Edinburgh EH1 1YZ. (Registered in Scotand No. SC327000). D470/8255 / 5728AP November

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