Interest Rates & Charges

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Savings

13th June 2009 to 2nd October 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 2.85% 2.28% 2.81% 2.25%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 0.05% 0.04% 0.05% 0.04%
All rates shown are variable.
CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 2.75% 2.72%

2nd April 2009 to 12 June 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 1.75% 1.40% 1.74% 1.39%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 0.05% 0.04% 0.05% 0.04%
All rates shown are variable.
CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 0.60% 0.60%

2nd March 2009 to 1st April 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 2.25% 1.80% 2.23% 1.78%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 0.40% 0.32% 0.40% 0.32%
All rates shown are variable.
MINI CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 1.10% 1.09%

2nd February 2009 to 1st March 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 2.75% 2.20% 2.72% 2.17%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 0.90% 0.72% 0.90% 0.72%
All rates shown are variable.
MINI CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 1.60% 1.59%

2nd January 2009 to 1st February 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.25% 2.60% 3.20% 2.56%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 1.40% 1.12% 1.39% 1.11%
All rates shown are variable.
MINI CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 2.10% 2.08%

2nd December 2008 to 1st January 2009

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.25% 3.40% 4.17% 3.34%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 2.40% 1.92% 2.37% 1.90%
All rates shown are variable.
MINI CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 3.10% 3.06%

2nd November 2008 to 1st December 2008

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 5.90% 4.72% 5.75% 4.60%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.90% 3.12% 3.83% 3.07%
All rates shown are variable.
MINI CASH ISA ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.60% 4.51%

30th April 2008 to 1st November 2008

INTELLIGENT FINANCE ISAVER ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 6.40% 5.12% 6.22% 4.98%
All rates shown are variable.
DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.55% 3.64% 4.46% 3.57%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%
***From 6th April, Cash ISAs replaced Mini Cash ISAs

1st March 2008 to 29th April 2008

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.80% 3.84% 4.70% 3.76%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.35% 5.22%
***From 6th April, Cash ISAs replaced Mini Cash ISAs

31st December 2007 to 1st March 2008

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 5.05% 4.04% 4.94% 3.95%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.60% 5.46%

11th July 2007 to 30th December 2007

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 5.30% 4.24% 5.18% 4.14%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.85% 5.70%

12th May 2007 to 10th July 2007

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 5.30% 4.24% 5.18% 4.14%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.60% 5.46%

28th January 2007 to 11th May 2007

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 5.05% 4.04% 4.94% 3.95%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.35% 5.22%

11th November 2006 to 27th January 2007

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.80% 3.84% 4.70% 3.76%
All rates shown are variable.
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%

27th August 2006 to 10th November 2006

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.55% 3.64% 4.46% 3.57%
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.85% 4.75%

31st March 2006 to 26th August 2006

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.40% 3.52% 4.31% 3.45%
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.55% 4.46%

5th Sept 2005 to 30th Mar 2006

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.50% 3.60% 4.41% 3.53%
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.55% 4.46%

31st Jan 2005 to 4th Sept 2005

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.75% 3.80% 4.65% 3.72%
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.00% 4.89%

31st Jan 2005 to 4th Sept 2005

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.75% 3.80% 4.65% 3.72%
MINI CASH ISA*** ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.00% 4.89%

20th Aug 2004 to 30th Jan 2005

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.75% 3.80% 4.65% 3.72%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%

25th June 2004 to 19th Aug 2004

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.50% 3.60% 4.41% 3.53%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.85% 4.75%

20th Feb 2004 to 24th June 2004

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.25% 3.40% 4.17% 3.34%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.60% 4.51%

28th Nov 2003 to 19th Feb 2004

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.00% 3.20% 3.93% 3.14%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.35% 4.27%

5th August 2003 to 27th Nov 2003

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.55% 2.84% 3.49% 2.79%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 3.90% 3.83%

15th March 2003 to 4th August 2003

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.70% 2.96% 3.64% 2.91%
OFFSET MINI CASH ISA,
OFFSET TESSA - ONLY ISA*** 		ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. GROSS p.a.
From £1 deposit 4.05% 3.98%

1st March 2003 to 14th March 2003

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.70% 2.96% 3.64% 2.91%

4th August 2002 to 28th February 2003

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 3.80% 3.04% 3.74% 2.99%

3rd March 2002 to 3rd August 2002

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.01% 3.21% 3.94% 3.15%

5th Dec 2001 to 2nd March 2002

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit 4.01% 3.21% 3.94% 3.15%
£1 - £999 4.05% 3.24% 3.98% 3.18%
£1,000 - £9,999 4.05% 3.24% 3.98% 3.18%
£10,000 - £24,999 4.05% 3.24% 3.98% 3.18%
£25,000 - £49,999 4.10% 3.28% 4.02% 3.22%
£50,000 - £99,999 4.10% 3.28% 4.02% 3.22%
£100k + 4.15% 3.32% 4.07% 3.26%

13th Nov 2001 to 4th Dec 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 4.55% 3.64% 4.46% 3.57%
£1,000 - £9,999 4.55% 3.64% 4.46% 3.57%
£10,000 - £24,999 4.55% 3.64% 4.46% 3.57%
£25,000 - £49,999 4.60% 3.68% 4.51% 3.60%
£50,000 - £99,999 4.60% 3.68% 4.51% 3.60%
£100k + 4.65% 3.72% 4.55% 3.64%

17th Oct 2001 to 12th Nov 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 4.76% 3.81% 4.66% 3.73%
£1,000 - £9,999 4.76% 3.81% 4.66% 3.73%
£10,000 - £24,999 4.80% 3.84% 4.70% 3.76%
£25,000 - £49,999 4.85% 3.88% 4.75% 3.80%
£50,000 - £99,999 4.90% 3.92% 4.79% 3.83%
£100k + 4.96% 3.97% 4.85% 3.88%

6th Sept 2001 to 16th Oct 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 5.01% 4.01% 4.90% 3.92%
£1,000 - £9,999 5.01% 4.01% 4.90% 3.92%
£10,000 - £24,999 5.05% 4.04% 4.94% 3.95%
£25,000 - £49,999 5.15% 4.12% 5.03% 4.03%
£50,000 - £99,999 5.20% 4.16% 5.08% 4.06%
£100k + 5.30% 4.24% 5.18% 4.14%

7th Aug 2001 to 5th Sept 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 5.26% 4.21% 5.14% 4.11%
£1,000 - £9,999 5.26% 4.21% 5.14% 4.11%
£10,000 - £24,999 5.30% 4.24% 5.18% 4.14%
£25,000 - £49,999 5.40% 4.32% 5.27% 4.22%
£50,000 - £99,999 5.50% 4.40% 5.37% 4.29%
£100k + 5.60% 4.48% 5.46% 4.37%

5th June 2001 to 6th August 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 5.50% 4.40% 5.37% 4.29%
£1,000 - £9,999 5.50% 4.40% 5.37% 4.29%
£10,000 - £24,999 5.60% 4.48% 5.46% 4.37%
£25,000 - £49,999 5.70% 4.56% 5.56% 4.45%
£50,000 - £99,999 5.85% 4.68% 5.70% 4.56%
£100k + 6.00% 4.80% 5.84% 4.67%

1st May 2001 to 4th June 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 5.75% 4.60% 5.60% 4.48%
£1,000 - £9,999 5.75% 4.60% 5.60% 4.48%
£10,000 - £24,999 5.85% 4.68% 5.70% 4.56%
£25,000 - £49,999 5.95% 4.76% 5.79% 4.63%
£50,000 - £99,999 6.10% 4.88% 5.94% 4.75%
£100k + 6.25% 5.00% 6.08% 4.86%

16th Jan 2001 to 30th April 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 6.00% 4.80% 5.84% 4.67%
£1,000 - £9,999 6.00% 4.80% 5.84% 4.67%
£10,000 - £24,999 6.10% 4.88% 5.94% 4.75%
£25,000 - £49,999 6.20% 4.96% 6.03% 4.82%
£50,000 - £99,999 6.35% 5.08% 6.17% 4.94%
£100k + 6.50% 5.20% 6.31% 5.05%

29th Sept 2000 to 15th Jan 2001

OFFSET DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£1 - £999 5.00% 4.00% 4.89% 3.91%
£1,000 - £9,999 5.65% 4.52% 5.51% 4.41%
£10,000 - £24,999 5.75% 4.60% 5.60% 4.48%
£25,000 - £49,999 5.85% 4.68% 5.70% 4.56%
£50,000 - £99,999 6.00% 4.80% 5.84% 4.67%
£100k + 6.25% 5.00% 6.08% 4.86%

* AER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded each year. The gross rate is the contractual rate before the deduction of income tax at the rate specified by law (currently 20%). The net rate is the rate of interest payable after allowing for the deduction of income tax at the specified rate.

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