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Non-marketed product rates

Personal Banking terms and conditions.

Savings Accounts terms and conditions

No Notice Saver (formerly 90 Day Notice Account)
Amount Invested	Annual Option		Monthly Option
Amount Invested	AER/Gross %	Net %	AER %	Gross %	Net %
£100,000+	0.10	0.08	0.10	0.10	0.08
£50,000+	0.10	0.08	0.10	0.10	0.08
£25,000+	0.10	0.08	0.10	0.10	0.08
£10,000+	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

View previous rates

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Basic Bank account
Basic Bank account	Interest Paid Annually
Basic Bank account	AER %	Gross %	Net %
£1+	0.0	0.0	0.0

These interest rates are correct as at 01/03/2004.

Explanation of terms

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Bank Account
Bank Account	Interest Paid Annually
Bank Account	AER %	Gross %	Net %
£1+	0.10	0.10	0.08

These interest rates are correct as at 06/09/2004.

Budget Account - Planned and Unplanned Overdrafts
Budget Account	% Per Month	% EAR
In England & Wales	1.57	20.6
In Scotland	N/A	Base Rate + 5.0%
In Scotland	N/A	Base Rate + 1.0%

These interest rates are correct as at 02/11/2007.

Car Loan Repayment Examples
Loan Amount	£3,000	£4,000	£5,000	£6,000	£7,500
Repayment Period	48 months	48 months	48 months	48 months	48 months
Insurance Premium total *	£575.38	£767.17	£932.24	£1,118.69	£1,398.35
Total Interest	£1,326.86	£1,769.47	£1,975.28	£2,370.43	£2,962.93
Monthly Repayment amount **	£102.13	£136.18	£164.74	£197.69	£247.11
Total amount payable	£4,902.24	£6,536.64	£7,907.52	£9,489.12	£11,861.28
APR %	17.7	17.7	15.9	15.9	15.9

These interest rates are correct as at 05/02/2001.

Car Loan
Loan Amount	% APR
£5,000 +	15.9
£3,000 - £4,900	17.7

These interest rates are correct as at 05/02/2001.

View previous rates

Note that these are typical examples only. The precise amount of the repayments may vary depending on which route you select for applying for your loan. *Calculations based on the customer taking out Loan Protection. **Please note that the final monthly repayment and the total cost of the loan itself may vary slightly from the figures shown in the repayment table, to allow for repayments made earlier or later than the exact calendar months after the date the loan was opened. For calculation purposes only, the premiums quoted in the repayment examples are inclusive of Insurance Premium Tax. Insurance Premium Tax will not be charged if the risk is resident or situated in the Channel Islands or the Isle of Man.

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Cheque Account - Planned and Unplanned Overdrafts
Cheque Account	% Per Month	% EAR
£1+	1.48	19.3

These interest rates are correct as at 02/11/2007.

New Classic Plus customer offer

New current account customers opening an account between:	Rates guaranteed until**	Regular monthly deposits	Balance	AER% Interest paid monthly	Gross% Interest paid monthly	Net% Interest paid monthly
01/10/2003 to 11/01/2004	16/01/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
21/01/2004 to 06/06/2004	06/06/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
07/06/2004 to 29/08/2004	30/08/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	5.00 4.75	4.89 4.65	3.91 3.72

New current account customers opening an account between:

Rates guaranteed until**

Regular monthly deposits

Balance

AER%
Interest paid monthly

Gross%

Interest paid monthly

Net%

Interest paid monthly

01/10/2003 to 11/01/2004

16/01/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72
3.20

21/01/2004 to 06/06/2004

06/06/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72

3.20

07/06/2004 to 29/08/2004

30/08/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

5.00
4.75

4.89
4.65

3.91

3.72

* The first £5,000 of your balance will earn the interest rate in the table above. Any balance over and above £5,000 will receive our standard interest rate of 0.10% AER/Gross (0.08% Net).
** After this date the rate reverts back to the standard Plus interest rates.

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Classic Reserve
Classic Reserve	Monthly Rate %	APR Purchases %	APR Cash %
Standard Rate	1.527	19.9	22.4

These interest rates are correct as at 01/09/2001.

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From time to time we may offer Classic Reserve cardholders discounted rates for balance transfers, for more information contact us on 0845 604 0132.

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Direct Telesavings account

This account has now been renamed Online Saver. Please click here for Online Saver interest rates.

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Easy Saver
Amount Invested	Annual Interest
Amount Invested	AER/Gross %	Net%	Interest Rate Guarantee*
£1+	1.00%	0.80%	To be no lower than 1.50% below the base rate

These interest rates were correct from 08/01/2009 to 08/10/2009.

Easy Saver 2012
Annual Interest	12 months from account opening: no lower than 0.50% below Base Rate		12 months from the first anniversary of account opening: no lower than Base Rate		12 months from the second anniversary of account opening: at least 0.50% above the Base Rate		12 months from the third anniversary of account opening: at least 1.00% above Base Rate		From the fourth anniversary of account opening until 31 December 2012: at no lower than 1.50% below Base Rate
Annual Interest	AER/ Gross %	Net %	AER/ Gross %	Net %	AER/ Gross %	Net %	AER/ Gross %	Net %	AER/ Gross %	Net %
Amount Invested £1+	0.75	0.60	0.75	0.60	1.00	0.80	1.50	1.20	0.10	0.08

These interest rates are correct as at 08/10/2009.

*Interest rates quoted for future years are for illustrative purposes only. Based on a Bank of England Base Rate of 0.50%.

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Equity Release Account - Planned and Unplanned Overdrafts
Equity Release Account	% Per Month	% EAR
£1+	N/A	Base Rate + 2.50%

These interest rates are correct as at 02/11/2007.

Exclusive Saver With Premier Bonus
Interest Tiers	Annual Interest			Monthly Interest
Interest Tiers	AER % with 6 month bonus*	Gross % including bonus***	Net % including bonus***	AER % with 6 month bonus*	Gross % including bonus***	Net % including bonus***
£100,000+	0.48	0.85	0.68	0.48	0.86	0.69
£50,000+	0.48	0.85	0.68	0.48	0.86	0.69
£25,000+	0.48	0.85	0.68	0.48	0.86	0.69
£10,000+	0.48	0.85	0.68	0.48	0.86	0.69
£2,500+	0.48	0.85	0.68	0.48	0.86	0.69
£250+	0.48	0.85	0.68	0.48	0.86	0.69
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

You need to be a Premier current account customer to hold this account.
*Accounts opened will receive an introductory bonus of 0.75% p.a. gross, payable for six months from the date of account opening. When you apply for an Exclusive Saver, if you have a savings account of the same type as your current account, for example Select Saver and Select Account, we’ll convert it to an Exclusive Saver. However, you’ll only qualify for the bonus if you also change your current account, for example from Select to Platinum. Changing to or from a Plus account does not count.
***The gross and net rates include the six-month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'Exclusive Saver without bonus' table.

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Exclusive Saver With Platinum Bonus
Interest Tiers	Annual Interest			Monthly Interest
Interest Tiers	AER % with 6 months bonus *	Gross % including bonus***	Net % including bonus***	AER % with 6 months bonus *	Gross % including bonus***	Net % including bonus***
£100,000+	0.48	0.85	0.68	0.48	0.86	0.69
£50,000+	0.48	0.85	0.68	0.48	0.86	0.69
£25,000+	0.48	0.85	0.68	0.48	0.86	0.69
£10,000+	0.48	0.85	0.68	0.48	0.86	0.69
£2,500+	0.48	0.85	0.68	0.48	0.86	0.69
£250+	0.48	0.85	0.68	0.48	0.86	0.69
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

You need to be a Platinum current account customer to hold this account.
*Accounts opened will receive an introductory bonus of 0.75% p.a. gross, payable for six months from the date of account opening. When you apply for an Exclusive Saver, if you have a savings account of the same type as your current account, for example Select Saver and Select Account, we’ll convert it to an Exclusive Saver. However, you’ll only qualify for the bonus if you also change your current account, for example from Select to Platinum. Changing to or from a Plus account does not count.
***The gross and net rates include the six-month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'Exclusive Saver without bonus' table.

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Exclusive Saver With Gold Service Bonus
Interest Tiers	Annual Interest			Monthly Interest
Interest Tiers	AER % with 6 months bonus*	Gross % including bonus***	Net % including bonus***	AER % with 6 months bonus*	Gross % including bonus***	Net % including bonus***
£100,000+	0.35	0.60	0.48	0.35	0.61	0.49
£50,000+	0.35	0.60	0.48	0.35	0.61	0.49
£25,000+	0.35	0.60	0.48	0.35	0.61	0.49
£10,000+	0.35	0.60	0.48	0.35	0.61	0.49
£2,500+	0.35	0.60	0.48	0.35	0.61	0.49
£250+	0.35	0.60	0.48	0.35	0.61	0.49
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

You need to be a Gold current account customer to hold this account.
*Accounts opened will receive an introductory bonus of 0.50% p.a. gross, payable for six months from the date of account opening. When you apply for an Exclusive Saver, if you have a savings account of the same type as your current account, for example Select Saver and Select Account, we’ll convert it to an Exclusive Saver. However, you’ll only qualify for the bonus if you also change your current account, for example from Select to Platinum. Changing to or from a Plus account does not count.
***The gross and net rates include the six-month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'Exclusive Saver without bonus' table.

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Exclusive Saver With Select Bonus
Interest Tiers	Annual Interest			Monthly Interest
Interest Tiers	AER % with 6 months bonus*	Gross % including bonus***	Net % including bonus***	AER % with 6 months bonus*	Gross % including bonus***	Net % including bonus***
£100,000+	0.23	0.35	0.28	0.22	0.35	0.28
£50,000+	0.23	0.35	0.28	0.22	0.35	0.28
£25,000+	0.23	0.35	0.28	0.22	0.35	0.28
£10,000+	0.23	0.35	0.28	0.22	0.35	0.28
£2,500+	0.23	0.35	0.28	0.22	0.35	0.28
£250+	0.23	0.35	0.28	0.22	0.35	0.28
1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

You need to be a Select current account customer to hold this account.
*Accounts opened will receive an introductory bonus of 0.25% p.a. gross, payable for six months from the date of account opening. When you apply for an Exclusive Saver, if you have a savings account of the same type as your current account, for example Select Saver and Select Account, we’ll convert it to an Exclusive Saver. However, you’ll only qualify for the bonus if you also change your current account, for example from Select to Platinum. Changing to or from a Plus account does not count.
***The gross and net rates include the six-month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'Exclusive Saver without bonus' table.

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Exclusive Saver With Silver Bonus
Interest Tiers	Annual Interest			Monthly Interest
Interest Tiers	AER% with 6 months bonus*	Gross% including bonus***	Net% including bonus***	AER% with 6 months bonus*	Gross% including bonus***	Net% including bonus***
£100,000+	0.63	0.75	0.60	0.27	0.40	0.32
£50,000+	0.53	0.65	0.52	0.22	0.35	0.28
£25,000+	0.38	0.50	0.40	0.22	0.35	0.28
£10,000+	0.23	0.35	0.28	0.22	0.35	0.28
£2,500+	0.23	0.35	0.28	0.22	0.35	0.28
£250+	0.23	0.35	0.28	0.22	0.35	0.28
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

You need to be a Silver current account customer to hold this account.
* Accounts opened will receive an introductory bonus of 0.25% p.a. gross, payable for six months from the date of account opening. When you apply for an Exclusive Saver, if you have a savings account of the same type as your current account, for example Select Saver and Select Account, we’ll convert it to an Exclusive Saver. However, you’ll only qualify for the bonus if you also change your current account, for example from Select to Platinum. Changing to or from a Plus account does not count.
*** The gross and net rates include the six-month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'Exclusive Saver without bonus' table.

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Exclusive Saver Without Bonus
Interest Tiers	Annual Interest		Monthly Interest
Interest Tiers	AER/Gross % excluding bonus	Net % excluding bonus	AER % excluding bonus	Gross % excluding bonus	Net % excluding bonus
£100,000+	0.10	0.08	0.10	0.10	0.08
£50,000+	0.10	0.08	0.10	0.10	0.08
£25,000+	0.10	0.08	0.10	0.10	0.08
£10,000+	0.10	0.08	0.10	0.10	0.08
£2500+	0.10	0.08	0.10	0.10	0.08
£250+	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

You need to be a Select / Gold / Platinum current account customer to hold this account.

Click here for information about the Advantage Saver.

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First Save
Amount Invested	Interest Paid Annually
Amount Invested	AER %	Gross %	Net %
£1+	0.50	0.50	0.40

These interest rates are correct as at 01/04/2009.

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Flexible Savings Account
Amount Invested	Annual Option		Monthly Option
Amount Invested	AER/Gross %	Net %	AER %	Gross %	Net %
£250+	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

View previous rates

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Fixed Rate Cash ISA
Balance	Annual Interest
Balance	AER%/Tax-free
£30,000+	3.20
£21,000+	3.00
£15,000+	2.50
£9,000+	2.00
£3,000+	1.50
£1+	0.00

These interest rates are correct as at 27/09/2009.

For accounts opened before 14/04/08 View previous rates.

Click here for information about the Fixed Rate Cash ISA.

Graduate Gold account - Credit
Graduate Gold account	AER %	Gross %	Net %
£1+	2.02	2.00	1.60
£2,000+	0.10	0.10	0.08

These interest rates are correct as at 22/07/2004.

Graduate Gold account - Planned and Unplanned Overdrafts
Graduate Gold account	% Per Month	% EAR
£2,000+	1.30	16.8
£0 - £2,000	0.00	0.00

These interest rates are correct as at 02/11/2007.

Explanation of terms

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The EAR does not take into account any additional charges (e.g. arrangement fees/securities charges/monthly fees) which may be applicable.

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Guaranteed Investment Account important information

Offer Period	27th March 2007 – 18th June 2007*
Interest during offer period	4.00% AER/Gross**
Investment Date	19th June 2007
Maturity Date	19th June 2012
Repayment Date	26th June 2012
Minimum Initial Deposit	£500
Maximum Initial Deposit	£100,000
Minimum Guaranteed Return	15% Gross (2.83%AER)**
FTSE Participation	75%
Withdrawals	None during term
Charges	None

* We may close this offer early if the issue becomes over subscribed.
** AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if paid and compounded once each year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

Examples of potential returns

The following table will help you to compare what you may receive at the end of the 5-year fixed term period.

Amount Invested†	Rise or fall in FTSE 100 Index (averaged)	75% FTSE Growth	Interest Applied (Gross)	Maturity Amount (Gross)‡
£10,000	40%	30%	£3,000	£13,000
£10,000	30%	22.50%	£2,250	£12,250
£10,000	20%	15%	£1,500	£11,500
£10,000	10%	7.5%	£1,500	£11,500
£10,000	0% or negative	0%	£1,500	£11,500

† Does not include any early investment bonus
‡ This table is for illustration purposes only and shows how the return is calculated at the end of the investment period. It does not take into account deductions of income tax, interest paid during the offer or inflationary effects.
The level of the FTSE 100 Index may fall as well as rise, past performance is no guide to future performance. Therefore there is no guarantee that your investment will rise by more than the minimum guaranteed return over 5-years.

Instant Access Saver formerly Guaranteed Tracker
Amount Invested	Gross/ AER %	Net %
£100,000+	0.10	0.08
£50,000+	0.10	0.08
£25,000+	0.10	0.08
£10,000+	0.10	0.08
£1+	0.10	0.08

These interest rates are correct as at 02/02/2009.

View previous rates

Instant Access Saver formerly Guaranteed Saver
Amount Invested	Annual Interest			Monthly Interest
Amount Invested	AER %	GROSS %	NET %	AER %	GROSS %	NET %
£2,000+	0.10	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 05/03/2009.

We agree to pay a rate of interest which will be no lower than 0.75% below the Bank of England base rate except where your balance falls below the Minimum Opening balance (£2,000).

View previous rates

New Gold Service Plus customer offer

New current account customers opening an account between:	Rates guaranteed until**	Regular monthly deposits	Balance	AER% Interest paid monthly	Gross% Interest paid monthly	Net% Interest paid monthly
01/10/2003 to 11/01/2004	16/01/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
21/01/2004 to 06/06/2004	06/06/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
07/06/2004 to 29/08/2004	30/08/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	5.00 4.75	4.89 4.65	3.91 3.72

New current account customers opening an account between:

Rates guaranteed until**

Regular monthly deposits

Balance

AER%
Interest paid monthly

Gross%

Interest paid monthly

Net%

Interest paid monthly

01/10/2003 to 11/01/2004

16/01/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72
3.20

21/01/2004 to 06/06/2004

06/06/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72

3.20

07/06/2004 to 29/08/2004

30/08/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

5.00
4.75

4.89
4.65

3.91

3.72

Home Value Release Account - Planned and Unplanned Overdrafts
Home Value Release Account	% Per Month	% EAR
£1+	N/A	Base Rate + 2.50%

These interest rates are correct as at 02/11/2007.

Instant Gold Savings Account
Amount Invested	Annual Option		Quarterly Option			Monthly* Option
Amount Invested	AER/Gross %	Net %	AER %	Gross %	Net %	AER %	Gross %	Net %
£50,000+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08
£25,000+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08
£10,000+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08
£2,500+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

View previous rates

* Monthly interest only available to customers who already hold this option. Not available to new business.

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Internet Saver with Bonus
Amount Invested	Annual Interest		Monthly Interest
Amount Invested	AER/Gross % including bonus	Net % including bonus	AER % including bonus	Gross % including bonus	Net % including bonus
£100,000	1.60	1.28	1.60	1.59	1.27
£50,000+	1.60	1.28	1.60	1.59	1.27
£25,000+	1.60	1.28	1.60	1.59	1.27
£10,000+	1.60	1.28	1.60	1.59	1.27
£5,000+	1.60	1.28	1.60	1.59	1.27
£2,500+	1.60	1.28	1.60	1.59	1.27
£1+	1.60	1.28	1.60	1.59	1.27

These interest rates are correct as at 02/03/2009.

View previous rates

For accounts open between 1st September and 21st September see previous Internet Saver rates.

For accounts open before 1^st September see previous Internet Saver rates.

Interest rates are variable.

* Includes an introductory bonus of 1.50% AER, payable for 12 months from the date of account opening. At the end of the bonus period, rates without bonus will apply. Please see the ‘without bonus’ table for current rates.

Explanation of terms

Internet Saver without Bonus
Amount Invested	Annual option		Monthly option
Amount Invested	AER/Gross % excluding bonus	Net % excluding bonus	AER % excluding bonus	Gross % excluding bonus	Net % excluding bonus
£100,000+	0.10	0.08	0.10	0.10	0.08
£50,000+	0.10	0.08	0.10	0.10	0.08
£25,000+	0.10	0.08	0.10	0.10	0.08
£10,000+	0.10	0.08	0.10	0.10	0.08
£5,000+	0.10	0.08	0.10	0.10	0.08
£2,500+	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/03/2009.

Interest rates are variable.

View previous rates

Lloyds Abbey Life Account - Planned and Unplanned Overdrafts
Lloyds Abbey Life Account	% Per Month	% EAR
Classic Concessional	0.99	12.6

These interest rates are correct as at 02/11/2007.

Moneyplan
Moneyplan	Interest Paid Annually
Moneyplan	AER %	Gross %	Net %
£1+	0.10	0.10	0.08

These interest rates are correct as at 01/03/2004.

Online Saver with 6 month bonus
Amount Invested	Annual Interest			Monthly Interest
Amount Invested	AER % with 6 Month Bonus**	Gross % with 6 Month Bonus***	Net % with 6 Month Bonus***	AER % with 6 Month Bonus**	Gross % with 6 Month Bonus***	Net % with 6 Month Bonus***
£250+	0.35	0.60	0.48	0.35	0.60	0.48
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

* Accounts opened from 24 February 2003 will receive an introductory bonus of 0.50% p.a gross payable for six months from the date of account opening.
*** The gross and net rates include the six month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'without bonus' table.

Online Saver - with 12 month bonus
Amount Invested	Annual Option		Monthly Option
Amount Invested	AER/Gross% with 12 Month Bonus*	Net % with 12 Month Bonus***	AER % with 12 Month Bonus*	Gross % with 12 Month Bonus***	Net % with 12 Month Bonus***
£250+	0.70	0.56	0.70	0.70	0.56
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

* Accounts opened from 26 March 2007 will receive an introductory bonus of 0.60% p.a. gross payable for twelve months from the date of account opening.
*** The gross and net rates include the twelve month introductory bonus applicable. At the end of the bonus period, rates without bonus will apply. Please see the ‘without bonus’ table for current rates. Online Saver accounts opened up to 25 march 2007 will receive an introductory bonus of 0.50% p.a. gross payable for six months from the date of account opening.

Online Saver without bonus
Amount Invested	Annual option		Monthly Option
Amount Invested	AER/Gross % excluding bonus	Net % excluding bonus	AER % excluding bonus	Gross % excluding bonus	Net % excluding bonus
£250 +	0.10	0.08	0.10	0.10	0.08
£1 +	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/02/2009.

View previous rates

Personal Non Marketed Overdrafts - Planned and Unplanned Overdrafts
Account	% Per Month	% EAR
Cheque Account	1.48	19.3
Graduate Gold	-	-
£0 - £2,000+	0.00	0.0
£2,000+	1.30	16.8
Student 2002 Offer	-	-
£0 - £1,500 or £0 - £2000	0.00	0.0
£1,500 or £2,000+	0.66	8.2
Ex TSB Student	-	-
£0 - £700	0.00	0.0
£700+	0.63	7.8
Budget Account	-	-
Ex Lloyds	1.57	20.6
Ex TSB Scotland	-	Base + 5.0
Ex TSB Scotland	-	Base + 1.0
Lloyds Abbey Life	0.99	12.6

These interest rates are correct as at 02/11/2007.

New customer offer

New current account customers opening an account between:	Rates guaranteed until*	Regular monthly deposits	% per month	% EAR
01/10/2003 to 11/01/2004	16/01/2005	£1,000+	0%	0%
21/01/2004 to 06/06/2004	06/06/2005	£1,000+	0%	0%
07/06/2004 to 29/08/2004	30/08/2005	£1,000+	0%	0%

These interest rates are correct as at 05/07/2004.

* After this date the rate reverts back to the standard Plus account debit interest rate.

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New Platinum Plus customer offer

New current account customers opening an account between:	Rates guaranteed until**	Regular monthly deposits	Balance	AER% Interest paid monthly	Gross% Interest paid monthly	Net% Interest paid monthly
01/10/2003 to 11/01/2004	16/01/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
21/01/2004 to 06/06/2004	06/06/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	4.75 4.08	4.65 4.01	3.72 3.20
07/06/2004 to 29/08/2004	30/08/2005	£2,000+ £1,000+	£1 - 5,000* £1 - 5,000*	5.00 4.75	4.89 4.65	3.91 3.72

New current account customers opening an account between:

Rates guaranteed until**

Regular monthly deposits

Balance

AER%
Interest paid monthly

Gross%

Interest paid monthly

Net%

Interest paid monthly

01/10/2003 to 11/01/2004

16/01/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72
3.20

21/01/2004 to 06/06/2004

06/06/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72

3.20

07/06/2004 to 29/08/2004

30/08/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

5.00
4.75

4.89
4.65

3.91

3.72

Premier Gold Savings account
This account has now been renamed Gold Saver. Please click here for Gold Saver interest rates.

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Premier Saver with bonus
Amount Invested	Annual Interest			Monthly Interest
Amount Invested	AER % with 6 month bonus**	Gross % with bonus***	Net % with bonus***	AER % with 6 month bonus**	Gross % with bonus***	Net % with bonus***
£100,000+	0.35	0.60	0.48	0.35	0.60	0.48
£50,000+	0.35	0.60	0.48	0.35	0.60	0.48
£25,000+	0.35	0.60	0.48	0.35	0.60	0.48
£10,000+	0.35	0.60	0.48	0.35	0.60	0.48
£2,500+	0.35	0.60	0.48	0.35	0.60	0.48
£1+	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

Please note that this product is no longer available

** Accounts opened from 1 December 2003 will receive an introductory bonus of 0.50% p.a. gross on balances of £2,500 or more payable for six months from the date of account opening.
*** The Gross and Net rates include the six or twelve month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'without bonus' table.

Premier Saver without bonus
Amount Invested	Annual Interest		Monthly Interest
Amount Invested	AER/Gross %	Net %	AER %	Gross %	Net %
£100,000+	0.10	0.08	0.10	0.10	0.08
£50,000+	0.10	0.08	0.10	0.10	0.08
£25,000+	0.10	0.08	0.10	0.10	0.08
£10,000+	0.10	0.08	0.10	0.10	0.08
£2,500+	0.10	0.08	0.10	0.10	0.08
£1+	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

Please note that this product is no longer available

View previous rates

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Premier Loans
Amount	Rate % APR
£15,000+	6.4
£10,000+	6.4
£7,500	6.4
£5,000+	7.4
£1,000+	12.4

These interest rates are correct as at 18/08/2004.

Please note that this product is no longer available

Regular Savings Account
Amount Invested	Annual Option		Half Yearly* Option			Monthly* Option
Amount Invested	AER/Gross %	Net %	AER %	Gross %	Net %	AER %	Gross %	Net %
£1+	0.10	0.08	0.10	0.10	0.08	0.10	0.10	0.08

These interest rates are correct as at 02/01/2009.

View previous rates

* Half yearly and monthly interest only available to customers who already hold this option. Not available to new business.

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Reward Savings without bonus
Amount Invested	No. of withdrawals per year 0 - 2		No. of withdrawals per year 3 - 6		No. of withdrawals per year 7 - 12 #
Amount Invested	AER/Gross %	Net %	AER/Gross %	Net %	AER/Gross %	Net %
£25,000+	0.10	0.08	0.10	0.08	0.10	0.08
£10,000+	0.10	0.08	0.10	0.08	0.10	0.08
£2,500+	0.10	0.08	0.10	0.08	0.10	0.08
£500+	0.10	0.08	0.10	0.08	0.10	0.08
£1+	0.10	0.08	0.10	0.08	0.10	0.08

These interest rates are correct as at 02/01/2009.

Please note that this product is no longer available.

Interest rates are variable.

Interest is paid annually on the anniversary of opening your account.

View previous rates

New Select Plus customer offer

New current account customers opening an account between:

Rates guaranteed until**

Regular monthly deposits

Balance

AER%
Interest paid monthly

Gross%

Interest paid monthly

Net%

Interest paid monthly

01/10/2003 to 11/01/2004

16/01/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72
3.20

21/01/2004 to 06/06/2004

06/06/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

4.75
4.08

4.65
4.01

3.72

3.20

07/06/2004 to 29/08/2004

30/08/2005

£2,000+
£1,000+

£1 - 5,000*
£1 - 5,000*

5.00
4.75

4.89
4.65

3.91

3.72

Select Savings account
This account has been renamed Select Saver. Please click here for Select Saver interest rates.

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Service account
Service Account	Interest Paid Annually
Service Account	AER %	Gross %	Net %
£1+	0.10	0.10	0.08

These interest rates are correct as at 01/03/2004.

Student Interest Cheque account
Student Interest Cheque Account	Interest Paid Annually
Student Interest Cheque Account	AER %	Gross %	Net %
£1+	0.00	0.00	0.00

These interest rates are correct as at 29/09/2003.

Student Account (2002 Offer) - Planned and Unplanned Overdrafts
Student Account	% Per Month	% EAR
£0 - £1,500	0.00	0.00
£1,500+	0.66	8.2
£0 - £2,000	0.00	0.00
£2,000+	0.66	8.2

These interest rates are correct as at 02/11/2007.

Student account 2003 - 2006 offer - Planned and Unplanned Overdrafts
Student account 2003 - 2006 offer	% Per Month	% EAR
Year 1 £0-£1.500	0.00	0.00
£1,500+	0.66	8.2
Year 2 £0-£1,500	0.00	0.00
£1,500+	0.66	8.2
Year 3: £0 - £1,500	0.00	0.00
£1,500+	0.66	8.2
Years 4 and 5: £0 - £2,000	0.00	0.00
£2,000+	0.66	8.2

These interest rates are correct as at 02/11/2007.

Cash ISA (previously called TESSA ISA)
Amount Invested	AER/Tax-free (per annum)
£21,000+	1.50
£15,000+	1.00
£9,000+	1.00
£3,000+	1.00
£10+	1.00

These interest rates are correct as at 02/03/2009.

Trustcard
Trustcard	Monthly Rate %	APR Purchases %	APR Cash %
Standard Rate	1.527	19.9	22.4

These interest rates are correct as at 01/09/2001.

View previous rates

From time to time we may offer Trustcard cardholders discounted rates for balance transfers, for more information contact us on 0845 604 0132.

TSB Student Account - Planned and Unplanned Overdrafts
TSB Student Account	% Per Month	% EAR
£0 - £700	0.00	0.00
£700+	0.63	7.8

These interest rates are correct as at 02/11/2007.

Explanation of terms

GROSS RATE – The contractual rate of interest payable before deduction of income tax at the rate specified by law.

NET RATE – The rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law.

AER – AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

TAX FREE RATE – The annual interest rate when interest is exempt from income tax.

Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated.

APR – The APR stands for Annual Percentage Rate.

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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Our rates and charges

Non-marketed product rates

No Notice Saver (formerly 90 Day Notice Account)

Basic Bank account

Bank Account

Budget Account - Planned and Unplanned Overdrafts

Car Loan Repayment Examples

Car Loan

Cheque Account - Planned and Unplanned Overdrafts

Classic Reserve

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Easy Saver 2012

Equity Release Account - Planned and Unplanned Overdrafts

Exclusive Saver With Premier Bonus

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First Save

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Graduate Gold account - Credit

Graduate Gold account - Planned and Unplanned Overdrafts

Guaranteed Investment Account important information

Instant Access Saver formerly Guaranteed Tracker

Instant Access Saver formerly Guaranteed Saver

Home Value Release Account - Planned and Unplanned Overdrafts

Instant Gold Savings Account

Internet Saver with Bonus

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Lloyds Abbey Life Account - Planned and Unplanned Overdrafts

Moneyplan

Online Saver with 6 month bonus

Online Saver - with 12 month bonus

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Personal Non Marketed Overdrafts - Planned and Unplanned Overdrafts

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Student Account (2002 Offer) - Planned and Unplanned Overdrafts

Student account 2003 - 2006 offer - Planned and Unplanned Overdrafts

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Trustcard

TSB Student Account - Planned and Unplanned Overdrafts

Investor Relations & Media Centre

Useful information