Savings interest rates for accounts no longer available Effective from 2 June 2011

Page 1 of 13 Savings interest rates for accounts no longer available Effective from 2 June 2011 All savings rates are variable and paid yearly, unless otherwise stated. The Bank of England base rate is 0.50% as at 9 May 2011. Contents What is my account called? 2-3 What is my interest rate? 4-12 Tax-free accounts (Cash ISAs) 4-5 Instant access savings 6-7 Reward savings 8-11 Savings for children 12 Fixed Term savings 12

Savings & Investments Tariffs and Rates Page 2 of 13 What is my account called? We have previously renamed some of our accounts and have summarised these changes below to help you find your applicable interest rate. Former Abbey accounts Previously called Now called Page number Accord Savings Scheme Instant Saver (see note 1) 6 Bond Maturity Account Instant Saver (see note 1) 6 Branch Saver Instant Saver (see note 1) 6 Choices Bond Instant Saver (see note 1) 6 Direct ISA Issue 2 Direct ISA Issue 1 4 Direct Saver Flexible Saver (see note 1) 6 esaver Direct Issue 2 esaver Direct Issue 1 (see note 2) 8 EWS Savings Scheme Instant Saver (see note 1) 6 Flexible Saver Instant Saver (see note 1) 6 High Interest Employee Savings Scheme Instant Saver (see note 1) 6 High Yield Bond Issues 1 and 2 Instant Saver (see note 1) 6 Instant Access ISA Easy ISA See savings interest rates for accounts available Instant Access Saver Issue 2 Instant Access Saver Issue 1 (see note 2) 6 Investment Cash ISA Easy ISA See savings interest rates for accounts available Investor Account Instant Saver 6 Investor 60 Account Instant Saver 6 Investment Reserve Account Instant Saver 6 Passbook Saver Instant Saver (see note 1) 6 PaySaver Instant Saver (see note 1) 6 Postal ISA Issues 1 and 2 Easy ISA See savings interest rates for accounts available Premium Investor Issue 2 Premium Investor Issue 1 (see note 2) 10 Premium Plus Bond Instant Saver (see note 1) 6 Remote ISA Easy ISA See savings interest rates for accounts available Remote Saver Flexible Saver (see note 1) 6 Save and Invest Plan Issues 1, 2, 3, 4 and 5 Instant Saver 6 Super 50+ Saver 50+ Saver (after 12 months) 7 Super Direct ISA Issue 4 Direct ISA Issue 3 (after 12 months) 4 Super ISA Issue 1 Direct ISA Issue 1 (after 12 months) 4 Super ISA Issues 2 and 3 Direct ISA Issue 1 4 TESSA Feeder Instant Saver 6 TESSA Only ISA Easy ISA See savings interest rates for accounts available Former Alliance & Leicester accounts Previously called Now called Page number Branch ISA Easy ISA See savings interest rates for accounts available Direct ISA Issues 2, 3 and 4 Direct ISA Issue 1 4 Direct ISA Issue 5 Direct ISA Issue 3 4 Easy ISA Easy ISA Issue 2 4 EasySaver Instant Access 6 esaver Issue 1 esaver Issue 4 6 esaver Issue 2 esaver Issue 5 6 FirstSaver Instant Access 6 Online Saver Issue 1 Instant Saver (see note 1) 6 Online Saver Issue 2 Online Saver Issue 1 (see note 1) 6 Online Saver Issue 4, 5 and 6 Online Saver Issue 3 7 Online Tracker Online Saver Issue 3 7 PhoneSaver Instant Access 6 PlusSaver Instant Saver (see note 1) 6 Premier ISA Issues 1 and 2 Direct ISA Issue 1 4 Super Direct ISA Issue 4 Direct ISA Issue 3 (after 12 months) 4 Note 1: The account name will change to Instant Saver from 6 September 2011. Note 2: The account name will change to Reward Saver Issue 1, Bonus Account, First Choice, Instant Access Saver Issue 1, esaver Direct Issue 1 or Premium Investor Issue 1 from 5 July 2011. Note 3: The account name will change to Direct ISA Issue 1, Easy ISA or Bonus ISA Saver Issue 1 from 27 July 2011.

Savings & Investments Tariffs and Rates Page 3 of 13 Former Bradford & Bingley accounts Previously called Now called Page number Bonus ISA Saver Issue 2 Bonus ISA Saver Issue 1 (see note 3) 4 Client Reserve Flexible Saver (see note 1) 6 Direct 60 Instant Saver (see note 1) 6 Direct 90 Instant Saver (see note 1) 6 Direct Notice Instant Saver (see note 1) 6 Direct Premium Instant Saver (see note 1) 6 Direct Saver Instant Saver (see note 1) 6 Everyday Saver First Choice (see note 2) 9 HomeSaver Issues 1 and 2 Reward Saver Issue 1 (see note 2) 9 ISA Easy Saver Easy ISA See savings interest rates for accounts available ISA Maturity Account Easy ISA See savings interest rates for accounts available ISA Plus Direct ISA Issue 1 (see note 3) 5 ISA Regular Saver Easy ISA See savings interest rates for accounts available ISA Saver Easy ISA (see note 3) 5 One Month Notice Account Instant Saver 6 MarketMaster Account Instant Saver 6 Maturity Account Bond Maturity Account (see note 1) 6 Maximiser Bonus Savings Bonus Account (see note 2) 8 Postal Notice Account Reward Saver Issue 1 (see note 2) 10 Premier Additions Reward Saver Issue 1 (see note 2) 10 Premier Account/Premier Deposit Instant Saver 6 Premier Saver Instant Saver 6 Premier Tracker Instant Saver 6 Regular Saver Reward Saver Issue 1 (see note 2) 10 Special Asset Instant Saver (see note 1) 6 Special Holding Account Instant Saver 6 Special Options Deposit Instant Saver (see note 1) 6 TimeSaver Instant Saver (see note 1) 6 What If Saver (including Special Editions) Flexible Saver (see note 1) 6 Note 1: The account name will change to Instant Saver from 6 September 2011. Note 2: The account name will change to Reward Saver Issue 1, Bonus Account, First Choice, Instant Access Saver Issue 1, esaver Direct Issue 1 or Premium Investor Issue 1 from 5 July 2011. Note 3: The account name will change to Direct ISA Issue 1, Easy ISA or Bonus ISA Saver Issue 1 from 27 July 2011.

Savings & Investments Tariffs and Rates Page 4 of 13 What is my interest rate? (in alphabetical order) Tax-free accounts (Cash ISAs) Tax free p.a./aer Bonus ISA Saver (Issue 1) 1+ 1.00% Rates effective from maturity (all accounts matured by 1 June 2010). Includes accounts to be renamed Bonus ISA Saver (Issue 1), including Bonus ISA Saver (Issue 2). Bonus ISA Saver (Issue 1) previous rates Including bonus Excluding bonus 1+ 2.50% 1.00% Rates effective from 22 March 2009 until maturity. Includes variable bonus for 12 months from account opening. Direct ISA (Issue 6) Interest rate for 12 months Interest rate after maturity for further 12 months (variable) 14,000+ 2.75% 2.50% 9,000+ 2.75% 0.50% 1+ 2.00% 0.50% Rates effective from 11 February 2011. Account available between 11 February 2010 and 23 February 2011. Bonus rate is variable. Direct ISA (Issue 3) 9,000+ 1.00% 1+ 0.50% Rates effective from maturity (all accounts matured by 1 March 2011). Includes accounts that became Direct ISA (Issue 3) on maturity (previously called Super Direct ISA Issue 4) or have been renamed Direct ISA (Issue 3), including accounts previously called Alliance & Leicester Direct ISA (Issue 5). Direct ISA (Issue 3) previous rates Including bonus Excluding bonus 9,000+ 3.00% 1.00% 1+ 2.00% 0.50% Rates effective from 1 April 2009 until maturity. Includes variable bonus for 12 months from account opening. Direct ISA (Issue 1) 40,000+ 0.50% 9,000+ 0.30% 1+ 0.15% Rates effective from 1 April 2009. Includes accounts that became Direct ISA (Issue 1) on maturity (previously called Super ISA Issue 1) or have been renamed Direct ISA (Issue 1), including accounts previously called Direct ISA (Issue 2), Super ISA (Issues 2-3), Alliance & Leicester Direct ISA (Issues 1-4) and Premier ISA (Issues 1 and 2). Direct ISA (Issue 1) previous rates 40,000+ 1.00% 9,000+ 0.80% 1+ 0.65% Rates effective from 1 March 2009 to 31 March 2009. Easy ISA (Issue 2) 1+ 0.50% Rates effective from maturity (all accounts matured by 1 March 2010). Previously called Alliance & Leicester Easy ISA. Easy ISA (Issue 2) previous rates Including bonus Excluding bonus 1+ 2.00% 0.50% Rates effective from 2 April 2009 until maturity. Includes fixed bonus rate for 12 months from account opening. Flexible ISA (Issue 2) Interest rate for 12 months Interest rate after maturity for further 12 months (variable) 8,500+ 2.50% 3.20% 1+ 0.50% Rates effective from 6 April 2010. Interest rate for first 12 months has a minimum guarantee of 3.20% tax free p.a./aer and will track 2.70% tax free p.a./aer above the Bank of England base rate during that time. Flexible ISA (Issue 1) Interest rate for 12 months Interest rate after maturity for further 12 months (variable) 8,500+ 2.50% 3.50% 1+ 0.50% Rates effective from 22 February 2010. Interest rate for first 12 months has a minimum guarantee of 3.50% tax free p.a./aer and will track 3.00% above the Bank of England base rate during that time. Good for Life ISA 1+ 0.50% Rate is guaranteed to be the same as the Bank of England base rate for the life of the account. Good for Life ISA previous rates 1+ 1.00% ISA Capital Saver 40,000+ 0.50% 500+ 0.35% Rates effective from 1 August 2009. 0.10% gross p.a./aer paid on balances below account minimum of 500. ISA Capital Saver previous rates 40,000+ 0.35% 500+ 0.35% Rates effective from 22 March 2009 until 31 July 2009. 0.10% gross p.a./aer paid on balances below account minimum of 500.

Savings & Investments Tariffs and Rates Page 5 of 13 Tax-free accounts (Cash ISAs) (continued) Tax free p.a./aer ISA Plus 1+ 0.15% ISA Plus previous rates 1+ 0.65% ISA Saver 40,000+ 0.50% 27,000+ 0.30% 1+ 0.10% ISA Saver previous rates 40,000+ 1.00% 27,000+ 0.80% 18,000+ 0.40% 1+ 0.10% Rates effective from 1 March 2009 to 21 March 2009. Loyalty Flexible ISA (Issue 1) 1+ 3.50% Rates effective from 11 March 2011. For 12 months the rate has a minimum guarantee of 3.50% tax free p.a./aer and will track 3.00% tax free p.a./aer above the Bank of England base rate during that time. After 12 months the account will pay a variable rate, currently 0.50%. Reward ISA 1+ 1.50% Rates effective from maturity (all accounts matured by 1 June 2010). Reward ISA previous rates Including bonus Excluding bonus 1+ 3.50% 1.50% Rates effective from 23 February 2009 until maturity. Includes variable bonus for 12 months from account opening. Super Flexible ISA (Issue 1) Interest rate for 12 months Interest rate after maturity for further 12 months (variable) 8,500+ 2.50% 5.50% 1+ 0.50% Rates effective from 23 February 2010. Interest rate for first 12 months has a minimum guarantee of 5.50% tax free p.a./aer and will track 5.00% tax free p.a./aer above the Bank of England base rate during that time.

Savings & Investments Tariffs and Rates Page 6 of 13 Instant access savings DirectSaver monthly interest only (formerly Alliance & Leicester) 50,000+ 0.62% (0.62% gross p.m.) 0.50% (0.50% net p.m.) 1,000+ 0.42% (0.42% gross p.m.) 0.34% (0.34% net p.m.) Rates effective from 2 April 2009. Fixed rate of 0.10% gross p.a./aer paid on balances below 1,000 from 7 May 2010. DirectSaver previous rates monthly interest only (formerly Alliance & Leicester) 50,000+ 1.12% (1.12% gross p.m.) 0.89% (0.89% net p.m.) 1,000+ 0.92% (0.92% gross p.m.) 0.73% (0.73% net p.m.) Rates effective from 2 March 2009 until 1 April 2009. esaver (Issue 5) monthly interest only (formerly Alliance & Leicester) 1+ 2.36% (2.33% gross p.m.) 1.89% (1.86% net p.m.) Rates effective from 2 April 2009. Maximum balance increased to 2 million from 1 September 2010. Previously called Alliance & Leicester esaver Issue 2. esaver (Issue 5) previous rates monthly interest only (formerly Alliance & Leicester) 1-500,000 2.87% (2.83% gross p.m.) 2.30% (2.26% net p.m.) Rates effective from 2 March 2009 until 1 April 2009. esaver (Issue 4) monthly interest only (formerly Alliance & Leicester) 50,000+ 0.88% (0.88% gross p.m.) 0.70% (0.70% net p.m.) 1+ 0.53% (0.53% gross p.m.) 0.42% (0.42% net p.m.) Rates effective from 2 April 2009. Maximum balance increased to 2 million from 1 September 2010. Previously called Alliance & Leicester esaver Issue 1. esaver (Issue 4) previous rates monthly interest only (formerly Alliance & Leicester) 50,000-500,000 1.39% (1.38% gross p.m.) 1.11% (1.10% net p.m.) 1+ 1.03% (1.03% gross p.m.) 0.82% (0.82% net p.m.) Rates effective from 2 March 2009 until 1 April 2009. esaver (Issue 3) monthly interest only (formerly Alliance & Leicester) 1+ 2.09% (2.07% gross p.m.) 1.67% (1.66% net p.m.) Rates effective from 2 April 2009. Maximum balance increased to 2 million from 1 September 2010. Account available in Alliance & Leicester between 8 January and 2 March 2009. esaver (Issue 3) previous rates monthly interest only (formerly Alliance & Leicester) 1+ 2.60% (2.57% gross p.m.) 2.08% (2.06% net p.m.) Rates effective from 2 March 2009 until 1 April 2009. esaver (Issue 2) Including bonus Excluding bonus Including bonus Excluding bonus 1+ 2.75% 0.50% 2.20% 0.40% Rates effective from 27 July 2010. Includes variable bonus for 12 months from account opening. Monthly rates are 2.72% (including bonus) and 0.50% (excluding bonus) gross p.m. and 2.18% (including bonus) and 0.40% (excluding bonus) net p.m. esaver (Issue 1) 500,000+ 0.55% 0.44% 200,000+ 0.11% 0.09% Rates effective from maturity (all accounts matured by 1 June 2010). Monthly rates are the same as the annual rates. esaver (Issue 1) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 500,000+ 1.30% 0.55% 1.04% 0.44% 200,000+ 1.11% 0.11% 0.89% 0.09% 1+ 1.10% 0.10% 0.88% 0.08% Rates effective from 1 April 2009 until maturity. Includes variable rate bonus for 12 months from account opening. Instant Access 100+ 0.10% 0.08% Rates effective from 1 December 2009. Rate fixed at 0.10% gross p.a./aer on balances below 100. Monthly and half yearly rates are the same as annual ones. Includes accounts previously called EasySaver, FirstSaver and PhoneSaver. Instant Access previous rates 100+ 0.10% 0.08% Rates effective from 2 January 2009 until 30 November 2009. No interest earned on balances below 100. Instant Access Saver (Issue 1) 1,000+ 1.00% 0.80% Rates effective from maturity (all accounts matured by 1 June 2010). 0.10% gross p.a./aer on balances below minimum account opening balance of 1,000. Includes accounts to be renamed Instant Access Saver (Issue 1), including Instant Access Saver (Issue 2). Instant Access Saver (Issue 1) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 1,000+ 2.00% 1.00% 1.60% 0.80% Rates effective from 1 April 2009 until maturity. Includes variable bonus for 12 months from account opening. 0.10% gross p.a./aer on balances below minimum account opening balance of 1,000. Instant Saver Rates effective from 1 November 2008. Rate fixed at 0.10% gross p.a./aer on balances below 100. Monthly, quarterly and half yearly rates are the same as the annual rates. Includes accounts renamed Instant Saver (previously called Investor Account, Investor 60, Investment Reserve, TESSA Feeder, Save & Invest Plan (Issues 1-5), One Month Notice, Special Holding Account, MarketMaster, Premier Deposit, Premier Tracker, Premier Saver and Premier Saver Plus), and accounts to be renamed Instant Saver (including Accord Savings Scheme, Bond Maturity Account, Maturity Account, Branch Saver, Choices Bond, EWS Savings Scheme, Flexible Saver, Direct Saver (formerly Abbey), Remote Saver, What If Saver, What If Saver Special Edition, Client Reserve, High Interest Employee Savings Scheme, High Yield Bond Issues 1 and 2, Passbook Saver, PaySaver, Premium Plus Bond, Online Saver Issues 1 and 2, PlusSaver, Direct 60, Direct 90, Direct Notice, Direct Premium, Direct Saver (formerly Bradford & Bingley), Special Asset, Special Options Deposit and TimeSaver).

Savings & Investments Tariffs and Rates Page 7 of 13 Instant access savings (continued) Instant Saver previous rates 25,000+ 0.50% 0.40% 1+ 0.45% 0.36% Rates effective from 1 May 2008 until 31 October 2008. Not Ordinarily Resident Account Rates effective from 1 March 2009. Online Saver (Issue 7) Including bonus Excluding bonus Including bonus Excluding bonus 1+ 2.81% 0.50% 2.25% 0.40% Rates effective from 1 June 2010. Includes variable bonus for 12 months from account opening. Online Saver (Issue 7) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 1+ 2.75% 0.50% 2.20% 0.40% Rates effective from 6 January 2010 until 31 May 2010. Includes variable bonus for 12 months from account opening. Online Saver (Issue 3) 250,000+ 1.50% 1.20% 50,000+ 1.00% 0.80% 25,000+ 0.75% 0.60% 1+ 0.50% 0.40% Rates effective from 7 December 2010. Includes accounts previously called Online Saver Issues 4, 5 and 6 and Online Tracker. Online Saver (Issue 3) previous rates 50,000+ 1.00% 0.80% 25,000+ 0.75% 0.60% 1+ 0.50% 0.40% Rates effective from 1 March 2010 until 6 December 2010. Postal Account 200,000+ 0.25% 0.20% Rates effective from 1 April 2009. Monthly, quarterly and half yearly rates are the same as the annual rates. Postal Account previous rates 200,000+ 0.75% 0.60% 100,000+ 0.30% 0.24% Rates effective from 1 March 2009 until 31 March 2009. Platinum Savings Deposit Account 1+ 0.15% 0.12% Rates effective from 1 April 2009. Platinum Savings Deposit Account previous rates 1+ 0.65% 0.52% Rates effective from 1 March 2009 until 31 March 2009. Rate for Life 1,000+ 0.75% 0.60% Rate is guaranteed to be 0.25% gross p.a./aer above the Bank of England base rate for the life of the account. Monthly rates are the same as the annual ones. 0.10% gross p.a./aer paid on balances below minimum account opening balance of 1,000. Rate for Life previous rates 1,000+ 1.25% 1.00% 0.10% gross p.a./aer paid on balances below minimum account opening balance of 1,000. 50+ Saver Including bonus Excluding bonus Including bonus Excluding bonus 750,000+ 2.00% 1.15% 1.60% 0.92% 500,000+ 1.55% 0.70% 1.24% 0.56% 200,000+ 1.10% 0.25% 0.88% 0.20% 100,000+ 1.00% 0.15% 0.80% 0.12% 1+ 0.95% 0.10% 0.76% 0.08% Rates effective from 1 April 2009. Includes a variable rate bonus for 12 months from account opening. Branch opening was available to customers with a balance of 30,000+. For balances that fall below 30,000 no bonus is paid. Monthly gross rates: 750,000+ 1.98% gross p.m. (including bonus) and 1.14% gross p.m. (excluding bonus), 500,000+ 1.54% gross p.m. (including bonus) and 0.70% gross p.m. (excluding bonus), 200,000+ 1.09% gross p.m. (including bonus) and 0.25% gross p.m. (excluding bonus), 100,000+ 1.00% gross p.m. (including bonus) and 0.15% gross p.m. (excluding bonus) and 1+ 0.95% gross p.m. (including bonus) and 0.10% gross p.m. (excluding bonus). Monthly net rates: 750,000+ 1.58% net p.m. (including bonus) and 0.91% net p.m. (excluding bonus), 500,000+ 1.23% net p.m. (including bonus) and 0.56% net p.m. (excluding bonus), 200,000+ 0.87% net p.m. (including bonus) and 0.20% net p.m. (excluding bonus), 100,000+ 0.80% net p.m. (including bonus) and 0.12% net p.m. (excluding bonus) and 1+ 0.76% net p.m. (including bonus) and 0.08% net p.m. (excluding bonus). 50+ Saver previous rates Including bonus Excluding bonus Including bonus Excluding bonus 750,000+ 2.50% 1.65% 2.00% 1.32% 500,000+ 2.05% 1.20% 1.64% 0.96% 200,000+ 1.60% 0.75% 1.28% 0.60% 100,000+ 1.50% 0.65% 1.20% 0.52% 50,000+ 1.40% 0.55% 1.12% 0.44% 1+ 1.30% 0.45% 1.04% 0.36% Rates effective from 1 March 2009 until 31 March 2009. Includes a variable rate bonus for 12 months from account opening.

Savings & Investments Tariffs and Rates Page 8 of 13 Reward savings Bonus Account 1+, no withdrawals per year 0.85% 0.68% 1+, 1-2 withdrawals per year 0.65% 0.52% 1+, 3 or more withdrawals per year 0.10% 0.08% Rates effective from 1 December 2008. Includes accounts to be renamed Bonus Account, including Maximiser Bonus Savings. Bonus Account previous rates 25,000+, no withdrawals per year 1.30% 1.04% 10,000+, no withdrawals per year 1.25% 1.00% 5,000+, no withdrawals per year 1.20% 0.96% 500+, no withdrawals per year 1.15% 0.92% 1+, no withdrawals per year 0.85% 0.68% 25,000+, 1-2 withdrawals per year 1.10% 0.88% 10,000+, 1-2 withdrawals per year 1.05% 0.84% 5,000+, 1-2 withdrawals per year 1.00% 0.80% 500+, 1-2 withdrawals per year 0.95% 0.76% 1+, 1-2 withdrawals per year 0.65% 0.52% 1+, 3 or more withdrawals per year 0.10% 0.08% Rates effective from 1 November 2008 until 30 November 2008. Bonus 120 1+, 0-1 withdrawals per year 0.85% 0.68% 1+, 2 or more withdrawals per year 0.10% 0.08% Rates effective from 1 January 2009. Monthly rates are the same as the annual ones. Notice removed from account on 1 December 2009. Bonus 120 previous rates 100,000+, 0-1 withdrawals per year 1.70% 1.36% 50,000+, 0-1 withdrawals per year 1.50% 1.20% 30,000+, 0-1 withdrawals per year 1.40% 1.12% 5,000+, 0-1 withdrawals per year 1.35% 1.08% 1,000+, 0-1 withdrawals per year 1.30% 1.04% 1+, 0-1 withdrawals per year 0.85% 0.68% 100,000+, 2 or more withdrawals per year 0.95% 0.76% 50,000+, 2 or more withdrawals per year 0.75% 0.60% 30,000+, 2 or more withdrawals per year 0.65% 0.52% 5,000+, 2 or more withdrawals per year 0.60% 0.48% 1,000+, 2 or more withdrawals per year 0.55% 0.44% 1+, 2 or more withdrawals per year 0.10% 0.08% Rates effective from 1 December 2008 until 31 December 2008. Charity Investment Account 500,000+ 1.25% N/A 200,000+ 1.15% N/A 100,000+ 0.75% N/A 25,000+ 0.15% N/A 1+ 0.10% N/A Rates effective from 1 March 2009 Charity Investment Account previous rates 500,000+ 1.75% N/A 200,000+ 1.65% N/A 100,000+ 1.25% N/A 25,000+ 0.65% N/A 10,000+ 0.15% N/A 1+ 0.10% N/A Rates effective from 1 February 2009 until 28 February 2009. esaver Direct (Issue 1) 1+, no withdrawals per year 1.25% 1.00% 1+, one withdrawal per year 1.15% 0.92% Rates effective from maturity (all accounts matured by 1 June 2010). A reduced rate of 0.10% gross p.a./aer will be paid on the full account balance for the month in which a withdrawal is made. Includes accounts to be renamed esaver Direct (Issue 1), including esaver Direct (Issue 2). esaver Direct (Issue 1) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 1+, no withdrawals per year 2.00% 1.25% 1.60% 1.00% 1+, one withdrawal per year 1.84% 1.15% 1.47% 0.92% Rates effective from 1 April 2009 until maturity. Includes a variable rate bonus for 12 months from account opening. A reduced rate of 0.10% gross p.a./aer will be paid on the full account balance for the month in which a withdrawal is made.

Savings & Investments Tariffs and Rates Page 9 of 13 Reward savings (continued) First Choice 1+, 0-3 withdrawals per year 0.60% 0.48% 1+, 4 or more withdrawals per year 0.10% 0.08% Rates effective from 1 November 2008. Includes accounts to be renamed First Choice, including Everyday Saver. First Choice previous rates 25,000+, 0-3 withdrawals per year 1.10% 0.88% 10,000+, 0-3 withdrawals per year 1.05% 0.84% 5,000+, 0-3 withdrawals per year 1.00% 0.80% 500+, 0-3 withdrawals per year 0.95% 0.76% 50+, 0-3 withdrawals per year 0.85% 0.68% 1+, 0-3 withdrawals per year 0.75% 0.60% 25,000+, 4 or more withdrawals per year 0.60% 0.48% 10,000+, 4 or more withdrawals per year 0.55% 0.44% 5,000+, 4 or more withdrawals per year 0.50% 0.40% 500+, 4 or more withdrawals per year 0.45% 0.32% 50+, 4 or more withdrawals per year 0.35% 0.28% 1+, 4 or more withdrawals per year 0.25% 0.20% Rates effective from 1 October 2008 until 31 October 2008. First HomeSaver 1+, no withdrawals per year and 100 credited to account per month 0.60% 0.48% 1+, one withdrawal per year or 100 is not credited in a month 0.56% 0.45% Rates effective from 2 April 2009. A reduced rate of 0.10% gross p.a./aer will be paid on the full account balance for the month in which a withdrawal is made. First HomeSaver previous rates 1+, no withdrawals per year and 100 credited to account per month 1.10% 0.88% 1+, one withdrawal per year or 100 is not credited in a month 1.02% 0.82% Rates effective from 1 March 2009 until 1 April 2009. A reduced rate of 0.10% gross p.a./aer will be paid on the full account balance for the month in which a withdrawal is made. HomeSaver (Issues 1 and 2) 10+ 0.50% 0.40% HomeSaver (Issues 1 and 2) previous rates 10+ 1.00% 0.80% Monthly Saver 100,000+, no withdrawals per year 1 0.50% 0.40% 100,000+, one withdrawal per year 2 0.47% 0.38% 50,000+, no withdrawals per year 1 0.15% 0.12% 50,000+, one withdrawal per year 2 0.15% 0.12% 1+, no withdrawals per year 1 0.10% 0.08% 1+, one withdrawal per year 2 0.10% 0.08% Rates effective from 1 April 2009. 1 A reduced rate of 0.10% gross p.a./aer will be paid on the full balance in the account for the month in which a withdrawal is made. 2 You will receive a rate of 0.10% gross p.a./aer for every month in which you make a withdrawal or credit less than 20 into your account. Monthly Saver previous rates 100,000+, no withdrawals per year 1 1.00% 0.80% 100,000+, one withdrawal per year 2 0.93% 0.74% 50,000+, no withdrawals per year 1 0.65% 0.52% 50,000+, one withdrawal per year 2 0.60% 0.48% 1+, no withdrawals per year 1 0.35% 0.28% 1+, one withdrawal per year 2 0.33% 0.26% Rates effective from 1 March 2009 until 31 March 2009. 1 A reduced rate of 0.10% gross p.a./aer will be paid on the full balance in the account for the month in which a withdrawal is made. 2 You will receive a rate of 0.10% gross p.a./aer for every month in which you make a withdrawal or credit less than 20 into your account. My Time Notice Saver 250,000+ 1.95% 1.56% 50,000+ 1.85% 1.48% 1,000+ 1.75% 1.40% Monthly rates: 250,000+ 1.93% gross p.m. or 1.54% net p.m., 50,000+ 1.83% gross p.m. or 1.46% net p.m. and 1+ 1.74% gross p.m. or 1.39% net p.m. My Time Notice Saver previous rates 250,000+ 2.45% 1.96% 50,000+ 2.35% 1.88% 1,000+ 2.25% 1.80%

Savings & Investments Tariffs and Rates Page 10 of 13 Reward savings (continued) My Time Postal Saver 1,000+ 0.85% 0.68% My Time Postal Saver previous rates 1,000+ 1.35% 1.08% Postal Notice Account 100,000+ 0.50% 0.40% 10,000+ 0.40% 0.32% Rates effective from 1 April 2009. Postal Notice Account previous rates 100,000+ 1.00% 0.80% 10,000+ 0.90% 0.72% 500+ 0.55% 0.44% Rates effective from 1 March 2009 until 31 March 2009. Premier Additions 10+ 0.50% 0.40% Premier Additions previous rates 10+ 1.00% 0.80% Premium Investor (Issue 2) 10,000+ 1.10% 0.88% Rates effective from 1 December 2008. Premium Investor (Issue 2) previous rates 100,000+ 1.85% 1.48% 50,000+ 1.35% 1.08% 10,000+ 1.10% 0.88% Rates effective from 1 November 2008 until 30 November 2008. Premium Investor (Issue 1) 1,000+ 1.10% 0.88% Rates effective from 1 December 2008. Premium Investor (Issue 1) previous rates 100,000+ 1.85% 1.48% 50,000+ 1.35% 1.08% 1,000+ 1.10% 0.88% Rates effective from 1 November 2008 until 30 November 2008. Regular Saver 1+ 0.50% 0.40% Regular Saver previous rates 1+ 1.00% 0.80% Retirement Investment Account (ANRIA) 20,000+ 0.40% N/A 15,000+ 0.15% N/A 1+ 0.10% N/A Rates effective from 1 April 2009. Whenever the balance rises above one of the bands shown, only the balance above that band earns interest at the higher rate. Retirement Investment Account (ANRIA) previous rates 20,000+ 0.90% N/A 15,000+ 0.65% N/A 10,000+ 0.45% N/A 1+ 0.10% N/A Rates effective from 1 March 2009 until 31 March 2009.

Savings & Investments Tariffs and Rates Page 11 of 13 Reward savings (continued) Reward Saver (Issue 2) Including bonus Excluding bonus Including bonus Excluding bonus 5,000+ 2.50% 1.00% 2.00% 0.80% Rates effective from 2 April 2009. Monthly gross rates are 2.47% gross p.m. (including fixed rate bonus) and 1.00% gross p.m. (excluding fixed rate bonus). Monthly net rates are 1.98% net p.m. (including bonus) and 0.80% net p.m. (excluding bonus). Bonus rate is fixed for fixed period and is paid if no withdrawals are made and account balance does not fall below 5,000 refer to your rate flyer for end date. Rate fixed at 0.10% gross p.a./aer on balances below 5,000 from 7 May 2010. Maximum balance increased to 2 million from 1 September 2010. Reward Saver (Issue 2) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 5,000-250,000 3.00% 1.50% 2.40% 1.20% Rates effective from 2 March 2009 until 1 March 2009. Bonus rate is fixed. Reward Saver (Issue 1) 5,000+ 0.50% 0.40% Rates effective from 1 February 2010 or 1 March 2010. Bonus rate is fixed. Monthly rates are the same as annual ones. Rate fixed at 0.10% gross p.a./aer on balances below 5,000 from 7 May 2010. Maximum balance increased to 2 million from 1 September 2010. Reward Saver (Issue 1) previous rates Including bonus Excluding bonus Including bonus Excluding bonus 5,000-250,000 2.50% 0.50% 2.00% 0.40% Rates effective from 2 April 2009 until maturity. Bonus rate is fixed for fixed period and is paid if no withdrawals are made and account balance does not fall below 5,000 refer to your rate flyer for end date. Staff Savings (formerly Bradford & Bingley) 1+ 2.75% 2.20% Rates effective from 1 April 2009. Staff Savings previous rates 1+ 3.25% 2.60% Rates effective from 1 March 2009 until 31 March 2009. Treasurers Rates effective from 1 January 2009. Treasurers previous rates 25,000+ 0.80% 0.64% 10,000+ 0.65% 0.52% 5,000+ 0.40% 0.32% Rates effective from 1 December 2008 until 31 December 2008. 30 Day Notice Saver 250,000+ 1.50% 1.20% 50,000+ 1.25% 1.00% 1,000+ 1.00% 0.80% Monthly rates: 250,000+ 1.49% gross p.m. or 1.19% net p.m., 50,000+ 1.24% gross p.m. or 0.99% net p.m. and 1,000+ 1.00% gross p.m. or 0.80% net p.m. 30 Day Notice Saver previous rates 250,000+ 2.00% 1.60% 50,000+ 1.75% 1.40% 1,000+ 1.50% 1.20% 60 Day Plus 1+, 0-1 withdrawals per year 1.10% 0.88% 1+, 2 or more withdrawals per year 0.10% 0.08% Rates effective from 1 January 2009. Monthly rates: 1+ 1.09% gross p.m. or 0.87% net p.m. if 0-1 withdrawals made per year and 0.10% gross p.m. or 0.08% net p.m. if 2 or more withdrawals made per year. Notice removed from account on 1 December 2009. 60 Day Plus previous rates 100,000+, 0-1 withdrawals per year 1.40% 1.12% 50,000+, 0-1 withdrawals per year 1.20% 0.96% 1+, 0-1 withdrawals per year 1.10% 0.88% 100,000+, 2 or more withdrawals per year 0.40% 0.32% 50,000+, 2 or more withdrawals per year 0.20% 0.16% 1+, 2 or more withdrawals per year 0.10% 0.08% Rates effective from 1 December 2008 until 31 December 2008.

Savings & Investments Tariffs and Rates Page 12 of 13 Savings for children FirstSave and SmartSave 1+, 0-3 withdrawals per year 0.90% 0.72% 1+, 4 or more withdrawals per year 0.40% 0.32% FirstSave and SmartSave previous rates 1+, 0-3 withdrawals per year 1.40% 1.12% 1+, 4 or more withdrawals per year 0.90% 0.72% KidZone 1+ 0.40% 0.32% Rates effective from 9 July 2010. KidZone previous rates 500+ 0.20% 0.16% Rates effective from 22 March 2009 until 8 July 2009. Super Flexible Saver for Kids Including bonus Excluding bonus Including bonus Excluding bonus 1+ 3.40% 0.40% 2.72% 0.32% Rates effective from 1 April 2009. Includes variable bonus for 12 months from account opening. If the child turns 16 within the 12-month bonus period, the enhanced rate will only apply up until account maturity. Fixed Term savings Loyalty Tracker Bond (Issues 2, 3, 4 and 5) 10,000-100,000 3.25% 2.60% For accounts opened before 04/10/2010 rate is guaranteed to track at 2.75% gross p.a./aer above the Bank of England base rate until 01/10/2011. For accounts opened between 04/10/2010 and 01/11/2010 rate is guaranteed to track at 2.75% gross p.a./aer above the Bank of England base rate until 01/11/2011. For accounts opened between 02/11/2010 and 01/12/2010 rate is guaranteed to track at 2.75% gross p.a./aer above the Bank of England base rate until 01/12/2011. For accounts opened after 01/12/2010 rate is guaranteed to track at 2.75% gross p.a./aer above the Bank of England base rate until 01/01/2012. Loyalty Tracker Bond (Issues 6, 7 and 8) 10,000-100,000 3.15% 2.52% For accounts opened between 04/01/2011 and 01/02/2011 rate is guaranteed to track at 2.65% gross p.a./aer above the Bank of England base rate until 01/02/2012. For accounts opened between 02/02/2011 and 01/03/2011 rate is guaranteed to track at 2.65% gross p.a./aer above the Bank of England base rate until 01/03/2012. For accounts opened between 02/03/2011 and 03/04/2011 rate is guaranteed to track at 2.65% gross p.a./aer above the Bank of England base rate until 01/04/12. Loyalty Tracker Bond (Issue 1) 10,000-100,000 3.00% 2.40% Rate is guaranteed to track at 2.50% gross p.a./aer above the Bank of England base rate until 01/09/2011. Tracker Bond (Issues 5 and 6) 10,000-2,000,000 3.10% 2.48% For accounts opened between 11/04/11 and 02/05/11 rate is guaranteed to track at 2.60% gross p.a./aer above the Bank of England base rate until 01/05/2012. For accounts opened between 03/05/11 and 01/06/11 rate is guaranteed to track at 2.60% gross p.a./aer above the Bank of England base rate until 01/06/12. Tracker Bond (Issues 2 and 3) 10,000-100,000 3.00 2.40% For accounts opened before 04/10/2010 rate is guaranteed to track at 2.50% gross p.a./aer above the Bank of England base rate until 01/10/2011. For accounts opened from 04/10/2010 rate is guaranteed to track at 2.50% gross p.a./aer above the Bank of England base rate until 01/11/2011. Tracker Bond (Issues 1 and 4) 10,000-100,000 2.80% 2.24% For accounts opened before 01/09/2010 rate is guaranteed to track at 2.30% gross p.a./aer above the Bank of England base rate until 01/09/2011. For accounts opened between 02/11/2010 and 01/12/2010 rate is guaranteed to track at 2.30% gross p.a./aer above the Bank of England base rate until 01/12/11. Super Tracker Bond (Issues 1, 2, 3 and 4) 10,000-100,000 4.50% 3.60% For accounts opened before 06/09/2010 rate is guaranteed to track at 4.00% gross p.a./aer above the Bank of England base rate until 01/09/2010. For accounts opened between 06/09/2010 and 05/10/2010 rate is guaranteed to track at 4.00% gross p.a./aer above the Bank of England base rate until 01/10/2011. For accounts opened between 06/10/2010 and 3/11/2010 rate is guaranteed to track at 4.00% gross p.a./aer above the Bank of England base rate until 01/11/2011. For accounts opened after 03/11/2010 rate is guaranteed to track at 4.00% gross p.a./aer above the Bank of England base rate until 01/12/2011. Super Tracker Bond (Issues 5, 6,7 and 8) 1,500-500,000 4.00% 3.20% For accounts opened between 04/12/2010 and 05/01/2011 rate is guaranteed to track at 3.50% gross p.a/aer above the Bank of England base rate until 01/01/2012. For accounts opened between 06/01/2010 and 03/02/2011 rate is guaranteed to track at 3.50% gross p.a/aer above the Bank of England base rate until 01/02/2012. For accounts opened between 04/02/2011 and 03/03/2011 rate is guaranteed to track at 3.50% gross p.a/aer above the Bank of England base rate until 01/03/2012. For accounts opened between 04/03/2011 and 05/04/2011 rate is guaranteed to track at 3.50% gross p.a/aer above the Bank of England base rate until 01/04/2012.

Savings & Investments Tariffs and Rates Page 13 of 13 SAVE 0141 JUN 11 T For rates on your Fixed Rate Postal ISA, Fixed Rate Bond, SuperSaver, Fixed Rate Monthly Saver and Super Fixed Rate Monthly Saver, refer to your factsheet or ask in branch for a copy. The maximum balance for all our accounts is 2,000,000. Variable a variable interest rate means the interest rate can vary; moving both up and down over time. Any movement in the interest rate will normally be due to either: a change in the official Bank of England base rate; and/or the bank (e.g. Santander) altering the rate. AER stands for Annual Equivalent 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 interest rate we pay before income tax is taken off. The tax free rate is the rate payable where interest is exempt from income tax. The net rate is the interest rate we pay after deduction of income tax at the rate specified by law (currently 20%). Rates may change and we pay interest each month or year. ISAs are provided by Santander ISA Managers Limited, which is a wholly owned subsidiary of Santander Asset Management UK Holdings Limited. Registered in Scotland No. 151605 at: 287 St Vincent Street, Glasgow G2 5NB, United Kingdom. Telephone 0845 600 0181. Authorised and regulated by the Financial Services Authority. FSA registration number 171448. Santander UK plc. Registered Office: 2 Triton Square, Regent s Place, London NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England. www.santander.co.uk Telephone 0870 607 6000. Calls may be recorded or monitored. Authorised and regulated by the Financial Services Authority except in respect of its consumer credit products for which Santander UK plc is licensed and regulated by the Office of Fair Trading. FSA registration number 106054. Santander and the flame logo are registered trademarks.