Savings Current & Closed Variable Savings Accounts Interest Rates This leaflet contains information regarding some important changes to our product portfolio. Your account may be affected by these changes, so please read this leaflet. Branch & Postal Account Rates effective from 1st March 2012 (For online variable rate accounts, please visit: www.newcastle.co.uk)
Important Notice At the Newcastle, we like to make things as simple and straightforward as possible. After listening to our customers, we have reviewed and simplified our product range. As a result a number of our historical products will be transferred to new accounts to reduce the number in our portfolio. This will be effective from 1st July 2013. There is no need to do anything as a result of these changes. Any existing payments to your account will be automatically carried over to your new account and your account number will remain the same. Below, you will find the new rates and the Product Special Terms & Conditions for your account, which will be effective from 1st July 2013. If you have any queries regarding your account, please do not hesitate to contact us on 08457 344 345. (If your account is NOT listed on pages 2 to 5 of this booklet, your account will not be affected by this change). Your current interest rate can be found on our website: www.newcastle.co.uk, by contacting your local branch or by calling us on 08457 344 345. * Gross means the contractual rate of interest payable before the deduction of income tax. ** AER stands for Annual Equivalent Rate and is a notional rate which illustrates what the interest rate would be as if paid and compounded on an annual basis. If you currently hold one of the following Products: Closed Products E-Saver ISA E-Saver Family Saver Plus ISA Family Saver Plus Future Account Newcastle ISA Direct Newcastle 30 Day Notice ISA Notice Plus (Issue 1) Notice Plus ISA (Issue 1) Variable Online ISA Your account will be transferred to the Newcastle Access Maturity Account Summary Box - Key Product Information for our Savings Account Account Name Newcastle Access Maturity Account/ISA Interest Rates Annual (Variable) Monthly (Variable) 0.50% Gross* 0.25% Gross* 0.50% AER** 0.25% AER** Tax Status Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise. For the cash ISA interest will be paid Gross* Conditions for bonus payment No bonus is applicable. Withdrawal arrangements Penalty free without notice. Access By branch, telephone, post or online (depending on method of account opening). Additional Important Information Interest Payment Annually Monthly 1st November Last business day Minimum Balance 1 Maximum Balance 1,000,000 (plus accrued interest). For the cash ISA, allowance for current tax year. Transfers from other ISA providers are also permitted. The Newcastle s General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening. Where there is a conflict between the Special Conditions contained in Section A and Section B, the Special Conditions in Section B will prevail. Section A Product Special Conditions 1. The Account is a variable rate account. 2. The Account can be held in single or joint names. 3. After placing your Investment in the Account you may make further deposits while the account is a current issue. The Account is a limited issue and may be withdrawn at any time. For additional investments please call to confirm continued availability. 4. Interest is calculated daily and is paid annually on 1st November or monthly on the last business day of each month and can be paid to your Account, to another account with the Newcastle or to a third party bank or building society account. 5. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. 6. If any monthly interest payable is less than 1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than 1, on the last business day of the following month. 7. The Account is exclusively available for customers with a maturing account. 8. You will continue to access your account in the same manner as your previous Account. For example if your previous Account was a passbook Account your new Account will also be operated by passbook. 9. Details correct at 05/02/2013. Section B Product Special Conditions for the Cash ISA 1. The Account can be held in a single name only. 2. Interest can be paid to your Account or to a third party bank or building society account. 2
If you currently hold one of the following Products: Closed Products NewcastleNet Savings & Shares NewcastleNet Savings & Shares (Issue 2) Your account will be transferred to the Newcastle Online Access Saver Deposit Account Name Interest Rates Summary Box - Key Product Information for our Savings Account Newcastle Online Access Saver Deposit Balance 100,000+ 10,000-99,999.99 5,000-9,999.99 1,000-4,999.99 0-999.99 Annual (Variable) Gross*/AER** 0.50% 0.25% 0.15% Monthly (Variable) Gross*/AER** 0.25% Tax Status Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise. Conditions for bonus payment No bonus is applicable. Withdrawal arrangements Penalty free without notice. Access Online. Additional Important Information Interest Payment Annually Monthly 1st December Last business day Minimum Balance 1 Maximum Balance 1,000,000 (plus accrued interest). The Newcastle s General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening. Product Special Conditions 1. The Account is a variable rate account. 3. The Account can be held in single or joint names. 4. After placing your investment in the Account you may make further deposits while the Account is a current issue. The Account may be withdrawn at any time. 5. Interest is calculated daily and is paid annually on 1 December and can be credited to your account or paid to your nominated bank or building society each year. Monthly interest is paid on the last business day of each month. 6. Details are correct as at time of print 5 February 2013. 7. The Account is exclusively available for customers with a maturing account. If you currently hold one of the following Products: Closed Products Gibraltar 30 Resolution Bond Subscription Your account will be transferred to the Newcastle Access Saver Deposit Account Name Interest Rates Summary Box - Key Product Information for our Savings Account Newcastle Access Saver Deposit Balance 100,000+ 10,000-99,999.99 5,000-9,999.99 1,000-4,999.99 0-999.99 Annual (Variable) Gross*/AER** 0.25% 0.20% 0.15% Monthly (Variable) Gross*/AER** Tax Status Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise. Conditions for bonus payment No bonus is applicable. Withdrawal arrangements Penalty free without notice. Access By branch, telephone, post or online (depending on method of account opening). Additional Important Information Interest Payment Annually Monthly 1st December Last business day Minimum Balance 1 Maximum Balance 1,000,000 (plus accrued interest). The Newcastle s General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening. Section A Product Special Conditions 1. The Account is a variable rate account. 2. The Account can be held in single or joint names. 3. After placing your investment in the account you may make further deposits while the Account is a current issue. The Account may be withdrawn at any time. 4. Interest is calculated daily and is paid annually on 1 December each year. Monthly interest is paid on the last business day of each month. Should the final day of a calendar month be on a business day, then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. 5. Interest can be paid to your Account, to another account with the Newcastle or to a third party bank or building society account. 6. You will continue to access your Account in the same manner as your previous Account. For example, if your previous Account was a passbook Account your new Account will also be operated by passbook. 7. Details correct as at 5 February 2013. 8. The Account is exclusively available for customers with a maturing account. 9. If any monthly interest payable is less than 1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than 1, on the last business day of the following month. 3
If you currently hold one of the following Products: Closed Products Access Saver Direct Newcastle ISA Plus (Issue 2) NewcastleNet Bonus Account (Issue 1) Newcastle Online Saver Newcastle Reward Saver Newcastle Reward Saver ISA Portfolio Saver (Issue 1) Easy Access Step Up Cash ISA Your account will be transferred to the Newcastle Maturity + / ISA (Issue 2) Summary Box - Key Product Information for our Savings Account Account Name Maturity+ / ISA (Issue 2) Interest Rates Annual (Variable) Monthly (Variable) 1.50% Gross* 1.25% Gross* 1.50% AER** 1.26% AER** Tax Status Conditions for bonus payment Withdrawal arrangements Access Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise. ISA interest will be paid Gross* No bonus is applicable. Penalty free without notice. By branch, telephone, post or online (depending on method of account opening). Additional Important Information Interest Payment Annually Monthly 6th January Last business day Minimum Balance 1 1,000 Maximum Balance 1,000,000 (plus accrued interest). For the cash ISA, allowance for current tax year. Transfers from other ISA providers are also permitted. The Newcastle s General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening. Where there is a conflict between the Special Conditions contained in Section A and Section B, the Special Conditions in Section B will prevail. Section A Product Special Conditions 1. The Account is a variable rate account. 2. The Account can be held in single or joint names. 3. After placing your Investment in the Account you may make further deposits while the account is a current issue. The Account is a limited issue and may be withdrawn at any time. For additional investments please call to confirm continued availability. 4. Interest is calculated daily and is paid annually on 6th January or monthly on the last business day of each month and can be paid to your Account, to another account with the Newcastle or to a third party bank or building society account. 5. Monthly interest is available on balances over 1,000. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. 6. If any monthly interest payable is less than 1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than 1, on the last business day of the following month. 7. Should the balance held in the account fall below the Minimum Balance stated above, interest will be paid at a rate of Gross*/AER** 8. The Account is exclusively available for customers with a maturing account. 9. You will continue to access your account in the same manner as your previous Account. For example if your previous Account was a passbook Account your new Account will also be operated by passbook. 10. Details correct at 05/02/2013. Section B Product Special Conditions for the Cash ISA 1. The Account can be held in a single name only. 2. Interest can be paid to your Account or to a third party bank or building society account. 4
If you currently hold one of the following Products: Current Products Newcastle 55 Newcastle 55 ISA Closed Products Base Rate Plus Bond Direct Tracker (Issue 1) Newcastle Base Rate Tracker (Issue 4) Newcastle 50+ Base Rate Tracker/ISA Newcastle 50:50 Maturity Account Newcastle 50:50 Balanced FTSE Bond (Issue 5) Openwork Exclusive Newcastle 50:50 Balanced Bond (Issue 5) Openwork Exclusive Newcastle 50:50 Balanced Property Bond (Openwork Exclsuive) Portfolio ISA (Issue 2) Prime Time Your account will be transferred to the Newcastle Base Rate Tracker / ISA Summary Box - Key Product Information for our Savings Account Account Name Interest Rates Newcastle Base Rate Tracker / ISA Annual (Variable) Monthly (Variable - not avaliable for Cash ISA) 0.50% Gross* 0.25% Gross* 0.50% AER** 0.25% AER** The annual interest rate is guaranteed to be equal to the Bank of England Base Rate until 7th September 2017. The monthly interest rate will be paid at a reduced rate. Tax Status Conditions for bonus payment Withdrawal arrangements Access Interest will be paid after the deduction of income tax at the appropriate rate unless you request otherwise. For the cash ISA interest will be paid gross*. No bonus is applicable. Penalty free without notice. By branch, telephone or post (depending on method of account opening). Additional Important Information Interest Payment Annually Monthly 31st July, 5th April for Cash ISA Last day of each month Minimum Balance 1 1 Maximum Balance 1,000,000 (plus accrued interest). For the cash ISA, allowance for current tax year. Transfers from other ISA providers are also permitted. The Newcastle s General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening. Where there is a conflict between the Special Conditions contained in Section A and Section B, the Special Conditions in Section B will prevail. Section A Product Special Conditions 1. The Account is a variable rate account. 2. The Account can be held in single or joint names. 3. After placing your Investment in the Account you may make unlimited further deposits or withdrawals subject to the minimum and maximum balances and withdrawal terms shown above. 4. The interest rate on this Account will change the day after any announcement by the Bank of England of a change to its base rate. 5. Interest can be paid to your Account, to another account with the Newcastle or to a third party bank or building society account. 6. Interest is calculated daily and annual interest is paid on 31st July each year. Monthly interest will be paid on the on last business day of each month. 7. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. 8. If any monthly interest payable is less than 1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than 1, on the last business day of the following month. 9. You will continue to access your Account in the same manner as your previous Account. For example, if your previous Account was a passbook Account your new Account will also be operated by passbook. 10. Details correct at 5th February 2013. Section B Product Special Conditions for the Cash ISA 1. The Account can be held in a single name only. 2. Interest can be paid to your Account or to a third party bank or building society account. 3. Interest is calculated daily and is paid annually on 5th April each year. 5
Current Issues - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % The Sir Bobby Robson Foundation Saver/ISA (Issue 4) 1+ 1.50 1.20 1.50 1+ 1.25 1.00 1.26 The Society will pay an additional of the average balance held in all Sir Bobby Robson Foundation Accounts at the end of each month to the Sir Bobby Robson Foundation annually. ISA interest is paid Gross. Rates effective from 13 February 2013. Newcastle Big Home Saver/ISA (inc. bonus) 1+ 2.98 2.38 3.00 (exc. bonus) 1+ 1.98 1.58 2.00 Bonus rate includes a conditional bonus of 1% paid monthly. To qualify for the bonus you must make at least one deposit and no withdrawals in each bonus qualifying period. A cash bonus of 500 will be paid for balances of 5,000-9,999,99 held in the account upon completion of a mortgage with the Newcastle. 1,000 will be paid for balances of 10,000+ upon completion of a mortgage with the Newcastle. ISA interest is paid Gross. Rates effective from 21 September 2011. Newcastle Big Little Saver/Newcastle Big Little Junior ISA (inc. bonus) 1+ 2.98 2.38 3.00 (exc. bonus) 1+ 1.98 1.58 2.00 Newcastle Big Little Saver : Bonus rate includes a conditional bonus of 1.00% paid monthly. To qualify for the bonus you must make at least one deposit and no withdrawals in each bonus qualifying period. Rates effective from 23 February 2011. Newcastle Big Little Junior ISA : You must make at least one deposit in each bonus qualifying period. Withdrawals are not permitted until the child s 18th birthday. Interest is paid Gross. Rates effective from 3 April 2012. Newcastle Junior ISA 1+ 2.60 2.60 Withdrawals are not permitted until the child s 18th birthday. Rates effective from 2 April 2012. Newcastle 55/ISA* 1-1,000,000 0.50 0.40 0.50 no change 1-1,000,000 0.25 0.20 0.25 no change The annual interest rate is guaranteed to be equal to the Bank of England Base Rate until 7 September 2017. ISA interest paid Gross Annually. Rates effective from 6 March 2009. *This product will be transferred into the Newcastle Base Rate Tracker/ISA as of 1st July 2013. 6
Closed Issues - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % Access ISA 1+ 2.00 2.00 no change Current rates effective from 6 May 2010. Base Rate Plus Bond (Issue 1) 10,000-500,000 0.51 0.41 0.51 no change 10,000-500,000 0.51 0.41 0.51 no change Current rates effective from 6 March 2009. Children s Regular Saver (inc. bonus) 1-1,000,000 2.10 1.68 2.10 no change (exc. bonus) 1-1,000,000 0.10 0.08 0.10 no change Bonus rate includes a conditional bonus of 2.00% paid annually on the anniversary of account opening. Should you make seven or more withdrawals then Nova Plus (Issue 4) rates will apply. Current rates effective from 3 March 2009. Family Saver Plus/ISA 100-1,000,000 0.50 0.40 0.50 no change 1,000-1,000,000 0.25 0.20 0.25 no change ISA interest paid Gross annually. Current rates effective from 6 March 2009. Maturity+/Maturity+ ISA (Issues 1 & 2) - (Maturity Exclusive) 1-1,000,000 1.50 1.20 1.50 no change 1,000-1,000,000 1.25 1.00 1.26 no change ISA interest paid Gross annually. Issue 1 rates effective from 6 March 2009. Issue 2 rates effective from 3 November 2009. Newcastle ISA+ 3,000+ 2.25 2.25 no change 1-2,999 1.75 1.75 no change Current rates effective from 7 January 2010. Newcastle ISA+ (Issue 2) 3,600+ 1.75 1.75 no change 1-3,599 1.25 1.25 no change Current rates effective from 7 January 2010. 7
Closed Issues (cont.) - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % Newcastle ISA+ (Issue 3) 1+ 1.75 1.75 2.25 2.25 Current rates effective from 5 February 2013. Newcastle Access Saver Deposit/ISA - (Maturity Exclusive) 100,000+ 0.25 0.20 0.25 no change 10,000-99,999 0.20 0.16 0.20 no change 5,000-9,999 0.15 0.12 0.15 no change 1,000-4,999 0.10 0.08 0.10 no change 1-999 0.10 0.08 0.10 no change 1-100,000+ 0.10 0.08 0.10 no change ISA interest paid Gross annually. Current rates effective from 30 June 2010. Newcastle Access Maturity Account/ISA - (Maturity Exclusive) 1+ 0.50 0.40 0.50 1+ 0.25 0.20 0.25 Rates effective from 4 October 2012. Newcastle Bonus Saver Deposit/ISA - (Maturity Exclusive) (inc. bonus) 1+ 0.90 0.72 0.90 no change Bonus rate includes a conditional bonus of 0.80% subject to no more than 2 withdrawals made between 1 December and 30 November each year. (inc. bonus) 1+ 0.85 0.68 0.85 no change Bonus rate includes a conditional bonus of 0.75% subject to no more than 2 withdrawals made between 1 December and 30 November each year. (exc. bonus) 1+ 0.10 0.08 0.10 no change (exc. bonus) 1+ 0.10 0.08 0.10 no change ISA interest is paid Gross annually. Current rates effective from 30 June 2010. Newcastle Base Rate Tracker Deposit/ISA - (Maturity Exclusive) 1-1,000,000 0.25 0.20 0.25 no change 1-1,000,000 0.25 0.20 0.25 no change The interest rate is guaranteed to be no less than the Bank of England Base Rate less 0.25% until 23 March 2013. ISA interest paid Gross annually. Current rates effective from 30 June 2010. Newcastle Bonus Saver/ISA (Issue 2) (inc. bonus) 1+ 3.05 2.44 3.05 no change (inc. bonus) 1+ 2.80 2.24 2.84 no change (exc. bonus) 1+ 1.75 1.40 1.75 2.10 1.68 2.10 (exc. bonus) 1+ 1.50 1.20 1.51 1.85 1.48 1.87 Bonus rates include an unconditional bonus of 0.95% for the first 12 months from account opening date. ISA interest is paid Gross. Current rates effective from 5 February 2013. 8
Closed Issues (cont.) - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % Newcastle Direct Saver Plus 1+ 2.00 1.66 2.00 2.35 1.66 2.35 1+ 1.75 1.40 1.76 2.10 1.68 2.12 Penalty free withdrawals limited to a maximum of four withdrawals per year. * 1+ 0.10 0.08 0.10 0.35 0.28 0.35 * 1+ 0.10 0.08 0.10 0.10 0.08 0.10 *Interest rates (upon 5th withdrawal until anniversay date). Current rates effective from 5 February 2013. Newcastle Loyalty Access Saver - (Maturity Exclusive) 500+ 2.50 2.00 2.50 3.00 2.40 3.00 1+ 499 0.10 0.08 0.10 0.10 0.08 0.10 500+ 2.25 1.80 2.27 2.75 2.20 2.78 1+ 499 0.10 0.08 0.10 0.10 0.08 0.10 Current rates effective from 1 January 2013. Newcastle Loyalty Access Saver/ISA (Issue 2) - (Maturity Exclusive) 1+ 2.25 1.80 2.25 2.70 2.16 2.70 1+ 2.00 1.60 2.02 2.45 1.96 2.48 Current rates effective from 5 February 2013. Newcastle Monthly Saver (inc. bonus) 10-1,000,000 2.10 1.68 2.10 no change (exc. bonus) 10-1,000,000 0.10 0.08 0.10 no change Bonus rate includes a conditional bonus of 2.00% paid annually on the anniversary of account opening. Should you make two or more withdrawals then Nova Plus (Issue 4) rates will apply. Current rates effective from 30 December 2009. Newcastle Reward Saver/ISA 500-1,000,000 1.75 1.40 1.75 no change 5,000-1,000,000 1.66 1.35 1.67 no change ISA interest is paid Gross. Current rates effective from 30 April 2010. Newcastle Loyalty Access Saver/ISA (Issues 3 & 4) - (Maturity Exclusive) 1+ 2.60 2.08 2.60 1+ 2.35 1.88 2.38 The interest rate will be increased if at anytime during the first year (up to and including 10th April 2013) there is an increase in the Bank of England Base Rate. The interest paid will equal the increase in the Bank of England rate change. Rates effective from 8 March 2012. 9
Closed Issues (cont.) - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % Newcastle 50:50 ISA (Easy Access Element) 1+ 1.75 1.75 2.25 2.25 Current rates effective from 5 February 2013. Notice + 15,000-1,000,000 0.90 0.72 0.90 no change 1-14,999 0.60 0.48 0.60 no change 15,000-1,000,000 0.65 0.52 0.65 no change 1-14,999 0.35 0.28 0.35 no change Current rates effective from 30 April 2010. Nova Plus (Issue 3) 1-300,000 0.10 0.08 0.10 no change 5,000-300,000 0.10 0.08 0.10 no change Current rates effective from 23 March 2011. Nova Plus (Issue 4) 1-1,000,000 0.10 0.08 0.10 no change 1-1,000,000 0.10 0.08 0.10 no change Current rates effective from 8 January 2011. Nova ISA 1+ 0.30 0.30 no change Current rates effective from 3 April 2009. Save and Care Account 1-300,000 1.00 0.80 1.00 no change 5,000-300,000 1.00 0.80 1.00 no change Rate reduced to 0.75% Gross/AER, if a donation is to be made to Nottinghamshire Hospice. Current rates effective from 3 August 2010. Shelter Account 1-300,000 0.35 0.28 0.35 no change 5,000-300,000 0.35 0.28 0.35 no change An annual donation will be paid to Shelter equivalent to 1.00% of the average total balances. Current rates effective from 6 February 2009. Step Up Cash ISA 36,000+ 1.75 1.75 no change 24,000-35,999 1.60 1.60 no change 18,000-23,999 1.45 1.45 no change 6,000-17,999 1.30 1.30 no change 1-5,999 1.00 1.00 no change Current rates effective from 3 April 2009. 10
Closed Issues (cont.) - Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % NET % AER % GROSS % NET % AER % Savings Account - (Formerly AMP Savings Account) (inc. bonus) 1-250,000 0.60 0.48 0.60 no change (exc. bonus) 1-250,000 0.10 0.08 0.10 no change Bonus rate includes a conditional bonus of 0.50% added to the account, if 2 deposits and no withdrawals have been made in the 12 months up to, and including 20 March each year. This amount will be included in the annual interest that is paid on 31 March. Current rates effective from 6 March 2009. 30 Day Notice ISA 1+ 0.40 0.40 no change Current rates effective from 3 April 2009. The Sir Bobby Robson Foundation Saver/ISA (Issue 1) 1+ 2.00 1.66 2.00 2.60 2.08 2.60 1+ 1.75 1.40 1.76 2.35 1.88 2.38 The Society will pay an additional of the average balance held in all Sir Bobby Robson Foundation Accounts at the end of each month to the Sir Bobby Robson Foundation annually. ISA interest is paid Gross. Current rates effective from 5 February 2013. The Sir Bobby Robson Foundation Saver/ISA (Issue 2) 1+ 2.00 1.66 2.00 2.35 1.88 2.35 1+ 1.75 1.40 1.76 2.10 1.68 2.12 The Society will pay an additional of the average balance held in all Sir Bobby Robson Foundation Accounts at the end of each month to the Sir Bobby Robson Foundation annually. ISA interest is paid Gross. Current rates effective from 5 February 2013. The Sir Bobby Robson Foundation Saver/ISA (Issue 3) 1+ 2.00 1.60 2.00 1+ 1.75 1.40 1.76 The Society will pay an additional of the average balance held in all Sir Bobby Robson Foundation Accounts at the end of each month to the Sir Bobby Robson Foundation annually. ISA interest is paid Gross. Rates effective from 21 November 2012. Direct Tracker (Issue 1) 1+ 0.50 0.40 0.50 no change Current rates effective from 3 April 2009. Future Account 10+ 0.90 0.72 0.90 no change Current rates effective from 23 March 2011. Prime Time (Over 50 s Only) 1+ 0.45 0.36 0.45 no change 1+ 0.20 0.16 0.20 no change Current rates effective from 3 April 2009. Regular Saver Plus (inc. bonus) 1+ 2.10 1.68 2.10 no change (exc. bonus) 1+ 0.10 0.08 0.10 no change Bonus rate includes a conditional bonus of 2.00% paid annually on anniversary of account opening, subject to one deposit made each month and no more than one withdrawal per calendar year. Current rates effective from 30 December 2008. 11
Gibraltar Exclusive Current Issues Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % AER % GROSS % AER % Newcastle Care Account (Issue 3) 1+ 1.50 1.50 1+ 1.25 1.26 The Society will pay an additional of the average balance held in all Newcastle Care Accounts at the end of each month to the Gibraltar Cancer Trust annually. Rates effective from 13 February 2013. Gibraltar Exclusive Closed Issues Rates effective from 1 March 2012 (unless stated otherwise) AMOUNT INVESTED GROSS % AER % GROSS % AER % Gibraltar 30 (Issue 1 & 2) 50,000+ 0.65 0.65 no change 20,000-49,999 0.40 0.40 no change 10,000-19,999 0.30 0.30 no change 1-9,999 0.10 0.10 no change Monthly interest available on balances of 5,000 or more. Current rates effective from 23 March 2011. Newcastle Care Account (Issues 1 & 2) 5,000+ 2.00 2.00 1-4,999 0.10 0.10 5,000+ 1.75 1.76 1-4,999 0.10 0.10 The Society will pay an additional of the average balance held in all Newcastle Care Accounts at the end of each month to the Gibraltar Cancer Trust annually. Issue 1 rates effective from 5 February 2013, Issue 2 rates effective from 21 November 2012. NewcastleNet Overseas 1,000-500,000 0.90 0.90 no change 1,000-500,000 0.75 0.75 no change Current rates effective from 6 March 2009. Please refer to the Product Special Conditions and the Savings General Terms and Conditions for full product details. For online variable rate accounts, please log onto your account to view your current interest rate. Call: 08457 344 345* (UK) Mon to Fri 8am to 6pm (UK) (00 350) 200 41143* (Gibraltar) Mon to Thurs 9am to 5pm - Fri 9.30am to 5pm - Sat 10am to 12.30pm (Gibraltar) *We may monitor and record telephone calls for training and security purposes. Visit us online at: www.newcastle.co.uk or www.newcastle.gi Principal Office: Portland House, New Bridge Street, Newcastle upon Tyne NE1 8AL Newcastle Building Society is authorised and regulated by the Financial Services Authority (FSA) and is entered in the FSA s register under number 156056. Newcastle Building Society is licensed in Gibraltar under the Financial Services Ordinance - Licence Number FSC00052A. Details are correct as at time of print (March 2013) MISC085 NBS 0212.