Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking before 31 March 2014

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1 Page 1 of 10 Banking and Savings Accounts Interest Rates For clients who commenced their relationship with Santander Private Banking before 31 March 2014

2 Page 2 of 10 BANKING ACCOUNTS Gold Bank Account The Gold Bank 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. The Minimum Balance Requirement for a sterling Gold Bank Account is 5,000. Interest rates are effective from 17 June 2013 Gold Bank Account with/without Gold card Minimum opening balance 5,000 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 Bank Account is 7,500. Interest rates are effective from 13 November 2013 Gold Bank Account with/without Gold card Minimum opening balance 7,500 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 Bank Account is $7,500. Interest rates are effective from 01 April 2013 Gold Bank Account with/without Gold card Minimum opening balance $7,500 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 Rate 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

3 Page 3 of 10 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. The Minimum Balance Requirement is 1,000. Interest rates are effective from 05 March 2009 annually 1, % 0.00% Euro The Minimum Balance Requirement is 1,500. Interest rates are effective from 24 May 2013 annually 1,500 1,499, % 0.00% 1,500, % 0.00% US Dollar The Minimum Balance Requirement is US$1,500. Interest rates are effective from 30 October 2008 annually $1, % 0.00% Interest rates may vary. AER stands for Rate 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

4 Page 4 of 10 BANKING ACCOUNTS (CONTINUED) Call Plus Account (offsale) Interest rates are effective from 5 March 2009 Interest is credited annually. annually 1, % 0.00% Euro Interest rates are effective from 11 July 2012 Interest is credited semi-annually (interest is applied twice per year). semi-annually 1, % 0.00% US Dollar Interest rates are effective from 30 October 2008 Interest is credited semi-annually (interest is applied twice per year). semi-annually $1, % 0.00% Loyalty Call Account An instant access account where interest is accrued daily and paid annually on 31 December. These are sterling accounts only. Interest Rates are effective from 1 September 2014 interest paid annually 0 249, % 0.00% 250, , % 0.70% 500, % 0.85% Interest rates may vary. AER stands for Rate 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

5 Page 5 of 10 SAVINGS ACCOUNTS Notice Account (offsale) A flexible savings account with a choice of three notice periods, and each account has its own benefits. These are sterling accounts where interest is credited monthly. Interest rates are effective from 20 March 2013 Notice days notice is required for withdrawals without penalty. The Minimum Balance Requirement is 5,000. annually quarterly monthly 5, % 0.00% 0.00% 0.00% 0.00% 0.00% Notice days notice is required for withdrawals without penalty. The Minimum Balance Requirement is 5,000. annually quarterly monthly 5, % 0.00% 0.00% 0.00% 0.00% 0.00% Notice days notice is required for withdrawals without penalty. The Minimum Balance Requirement is 5,000. annually quarterly monthly 5, % 0.00% 0.00% 0.00% 0.00% 0.00% Interest rates may vary. AER stands for Rate 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

6 Page 6 of 10 SAVINGS ACCOUNTS (CONTINUED) Premium Notice Account A flexible savings account with variable interest rates. This is a sterling account with a choice of monthly or annual interest. Interest rates are effective from 17 June Day Premium Notice Account (offsale) 60 days notice is required for withdrawal. The Minimum Balance Requirement is 25,000. annually monthly 25,000 49, % 0.05% 0.05% 0.05% 50,000 99, % 0.15% 0.15% 0.15% 100, , % 0.45% 0.45% 0.45% 250, , % 0.55% 0.55% 0.55% 1,000, % 0.65% 0.65% 0.65% 120 Day Premium Notice Account 120 days notice is required for withdrawal. The Minimum Balance Requirement is 25,000. annually 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% 180 Day Premium Notice Account (offsale) 180 days notice is required for withdrawal. The Minimum Balance Requirement is 25,000. annually 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% Interest rates may vary. AER stands for Rate 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

7 Page 7 of 10 Base Rate Tracker Account (offsale) An account paying an interest rate linked to the UK Bank of England Base Rate 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 Rate Tracker days notice required for withdrawals without penalty. The Minimum Balance Requirement is 50,000. annually Link to UK Bank of England Base Rate p.a. Equivalent quarterly p.a. Interest paid annually p.a. Equivalent 50,000 Equal to Base 0.50% 0.50% Base -0.10% 0.40% 0.40% Base Rate Tracker days notice required for withdrawals without penalty. The Minimum Balance Requirement is 50,000. annually Link to UK Bank of England Base Rate p.a. Equivalent quarterly annually p.a. Equivalent 5,000 Base +0.20% 0.70% 0.70% Base +0.10% 0.60% 0.60% Instant Access Savings Account A sterling savings account offering a variable interest rate with the benefit of instant access. Interest can be paid monthly or annually. The Minimum Balance Requirement is 3,000. Interest rates are effective from 17 June 2013 annually 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% Interest rates may vary. AER stands for Rate 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

8 Page 8 of 10 SAVINGS ACCOUNTS (CONTINUED) Deferred Interest Deposit Account (offsale) An account where interest is accrued daily and paid upon closure, available in sterling, euro and US dollars. 30 days notice required to access funds, but account closure is not permitted in the first two years after opening. Interest rates are effective from 13 November 2013 The Minimum Balance Requirement is 50, , , % 0.60% 250, % 1.00% Euro The Minimum Balance Requirement is 75, , % 0.10% US Dollar The Minimum Balance Requirement is US$100,000. $100, % 0.10% Interest rates may vary. AER stands for Rate 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

9 Page 9 of 10 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. To begin a Fixed Deposit Contract you must have or apply for a Call Account. Fixed Deposit Contracts The Fixed Deposit Contracts are available in and US Dollars. The Minimum Balance Requirements are 50,000 or US$50,000. Interest is paid on maturity for 1 year contracts and annually or on maturity for 2 year contracts. 1 Year Fixed Deposit Contract The Minimum Balance Requirement for a sterling 1 Year Fixed Deposit Contract is 50,000. Interest is paid on maturity. Interest rates are effective from 01 May , , % 0.90% 200, % 1.00% US Dollar The Minimum Balance Requirement for a US Dollar 1 Year Fixed Deposit Contract is $50,000. Interest is paid on maturity. Interest rates are effective from 01 July 2014 $50,000 $199, % 0.50% $200, % 0.55% Interest rates may vary. AER stands for Rate 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

10 Page 10 of 10 SAVINGS ACCOUNTS (CONTINUED) 2 Year Fixed Deposit Contract The Minimum Balance Requirement for a sterling 2 year Fixed Deposit Contract is 50,000. Interest is paid annually or on maturity, annual interest cannot be added to the original amount deposited and must be paid into the associated Call Account held with us. Interest rates are effective from 01 May 2015 on maturity annually Rate Rate 50, , % 1.15% 1.15% 1.14% 200, % 1.25% 1.25% 1.24% Fixed Rate Deposit Service Our Fixed Rate Deposit Service offers fixed rates on terms which can range from 1 month 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. Interest rates may vary. AER stands for Rate 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 Base Rates as at 1 June The Base Rate is currently 0.50%. The Euro Base Rate is currently 0.05%. The US Dollar Base Rate is currently 0.25%. All rates are subject to change without prior notice. Call Overseas call +44 (0) info@santanderpb.je Visit Lines open 8am to 8pm, UK time, Mon to Fri. Calls may be recorded or monitored. Santander Private Banking and Santander UK plc, Jersey Branch are trading names of Santander UK plc. Santander UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority ( FCA ) and the Prudential Regulation Authority. Santander UK plc s Financial Services Register number is You can check this on the Financial Services Register by visiting the FCA s website or by contacting the FCA on Registered office: 2 Triton Square, Regent s Place, London NW1 3AN, United Kingdom. Registered Number Registered in England. Telephone Calls may be recorded or monitored. Santander UK plc, Jersey Branch s principal place of business is at Commercial Street, St Helier, Jersey JE2 3RU, Channel Islands and is licensed by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law Telephone +44 (0) Santander and the flame logo are registered trademarks. The latest audited accounts are available upon request. All accounts are opened and situs in Jersey and therefore are not covered by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act Santander UK plc, Jersey Branch is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50,000. The maximum total amount of compensation 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. ABIN 0143 AUG 15 F

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