Savings Accounts Summary Boxes

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1 Effective from 17 November 2008 Savings Accounts es Instant ufirst Savings Account ufirst Savings 100,000 or more 2.50% 50,000-99, % 25,000-49, % 10,000-24, % 2,500-9, % 1-2, % Reward Reserve Account Reward Reserve Interest rates (AERs) (without interest rewards) 100,000 or more 1.50% 1.51% 25,000-99, % 0.50% 10,000-24, % 0.30% 2,000-9, % 0.20% (with interest rewards) 100,000 or more 3.00% 3.03% 25,000-99, % 2.02% 10,000-24, % 1.81% 2,000-9, % 1.71% Conditions for bonus payment Interest is paid every three months in January, April, July and October. If your account balance falls below 2,000, we will pay interest at a rate of 0.10% Gross/AER. If you hold at least 2,000 and make only one withdrawal every three months, we will reward you with an extra 0.25% Gross each quarter (0.25% AER). We will add another interest reward of 0.50% Gross each year (0.50% AER) if you make no more than three withdrawals each year.

2 Private Reserve Private Reserve Interest rates (AERs) 100,000 or more 2.96% 3.00% 50,000-99, % 2.50% 25,000-49, % 2.00% 10,000-24, % 1.50% Interest is paid monthly. If your account balance falls below 10,000, we will pay interest at a rate of 0.10% Gross/AER. Easy Savings Account Easy Savings 100,000 or more 1.20% 25,000-99, % 10,000-24, % 1-9, % 55 Plus Account 55 Plus 100,000 or more 1.45% 50,000-99, % 25,000-49, % 10,000-24, % 2,500-9, % If your account balance falls below 2,500, we will pay interest at a rate of 0.10% Gross/AER.

3 Youth Savings urfirst Account urfirst 5 or more 3.00% After tax non-tax-payers must fill in an R85 to receive interest before tax Accounts where you have to give notice Reserve 30 Reserve ,000 or more 1.30% 25,000-99, % 10,000-24, % 2,500-9, % 1,000-2, % If your account balance falls below 1,000, we will pay interest at a rate of 0.10% Gross/AER. You can withdraw your savings without losing interest if you give 30 days notice on this account Reserve 90 Reserve ,000 or more 1.80% 50,000-99, % 25,000-49, % 10,000-24, % 2,500-9, % If your account balance falls below 2,500, we will pay interest at a rate of 0.10% Gross/AER. You can withdraw your savings without losing interest if you give 90 days notice

4 Tax-free Saving Cash ISA Cash ISA 35,000 or more 4.00% 25,000-34, % 15,000-24, % 10,000-14, % 5,000-9, % 3,000-4, % 1-2, % You can invest a maximum deposit of 3,600 each tax year. Paid before tax Internet and postal accounts esavings esavings Interest rates (AERs) 1-1,000, % 3.50% Interest is paid monthly. Telephone or internet esavings Plus Interest rates (AERs) esavings Plus (without conditional bonus) 10, , % 3.60% (including conditional bonus) 10, , % 4.10% Interest is paid monthly. If your account balance falls below 10,000 we will pay interest at a rate of 0.10% gross/aer. If you hold at least 10,000, we will reward you with an additional 0.50% Gross (0.50% AER) every month for the first 6 months after the account is opened.. If you make a withdrawal, you will not earn any interest for that month. If you make a withdrawal in the first 6 months after the account is opened, you will earn the bonus interest of 0.50% Gross (0.50% AER) only. Telephone or internet

5 RSVP Anytime (postal account) RSVP Anytime 100,000 or more 2.00% 50,000-99, % 25,000-49, % 10,000-24, % 2,500-9, % If your account balance falls below 2,500, we will pay interest at a rate of 0.10% Gross/AER.. The smallest amount you can withdraw or pay in is 250. Post, telephone or internet Accounts no longer available Personal Savings Personal Savings 1 or more 0.10% urmoney urmoney 5 or more 2.05%

6 Cash ISA Tessa Funds / ISA Online Cash ISA Tessa Funds / ISA Online 25,000 or more 3.25% 15,000-24, % 10,000-14, % 5,000-9, % 3,000-4, % 1-2, % Paid before tax RSVI Online RSVI Online 100,000 or more 2.00% 50,000-99, % 25,000-49, % 10,000-24, % 2,500-9, %