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Non-marketed product rates (previous)

No Notice Saver (formerly 90 Day Notice Account)

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+1.000.800.750.750.60
£50,000+0.600.480.350.350.28
£25,000+0.150.120.100.100.08
£10,000+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.

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Car Loan Repayment Examples

Loan Amount£3,000£4,000£5,000£6,000£7,500
Repayment Period48 months48 months48 months48 months48 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 %17.717.715.915.915.9
 
These interest rates were correct from 08/08/2000 to 05/02/2001.

Car Loan

Loan Amount % APR
£5,000 +15.9
£3,000 - £4,90017.7
 
These interest rates were correct from 08/08/2000 to 05/02/2001.

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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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Classic Reserve

Classic Reserve (from the Lloyds range)Monthly Rate %APR Purchases %APR Cash %
Standard Rate1.56220.422.3
Balance Transfer Rate0.639 7.9N/A
 
These interest rates were correct from 01/02/2001 to 01/09/2001.

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First Save

Amount InvestedInterest Paid Annually
AER %Gross %Net %
£1+1.001.000.80
 
These interest rates were correct from 02/03/2009 to 01/04/2009.

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Flexible Savings Account

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 03/11/2008 to 02/01/2009.

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Graduate Gold account - Credit

Graduate Gold accountAER %Gross %Net %
£1+2.022.001.56
£2,000+0.100.100.08
 
These interest rates were correct from 01/06/2004 to 22/07/2004.

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Graduate Gold account - Planned and Unplanned Overdrafts

Graduate Gold account % Per Month % EAR
£2,000+1.3016.8
£0 - £2,0000.00 0.00
 
These interest rates were correct from 01/08/2007 to 02/11/2007.

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Guaranteed Tracker

TiersGross/AER %Net %Interest Rate Guarantee
£100,000+3.903.12To be no lower than 1.35% below the base rate
£50,000+3.803.04To be no lower than 1.45% below the base rate
£25,000+3.652.92To be no lower than 1.60% below the base rate
£10,000+3.402.72To be no lower than 1.85% below the base rate
£1+3.152.52To be no lower than 2.10% below the base rate
 
These interest rates were correct from 07/02/2008 to 10/04/2008.

Guaranteed Tracker accounts opened prior to 18th September 2007are guaranteed to track movements in the Bank of England base rate until 31st July 2008. Guaranteed Tracker accounts opened on or after 18th September 2007 are guaranteed to track movements in the Bank of England base rate until 31st July 2009.

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Instant Access Saver formerly Guaranteed Tracker

Amount InvestedGross/ AER %Net %
£100,000+0.400.32
£50,000+0.300.24
£25,000+0.150.12
£10,000+0.100.08
£1+0.100.08
 
These interest rates were correct from 02/01/2009 to 02/02/2009.

Guaranteed Tracker accounts opened prior to 18th September 2007are guaranteed to track movements in the Bank of England base rate until 31st July 2008. Guaranteed Tracker accounts opened on or after 18th September 2007 are guaranteed to track movements in the Bank of England base rate until 31st July 2009.

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Instant Access Saver formerly Guaranteed Saver

Amount InvestedAnnual InterestMonthly Interest
AER %GROSS %NET %AER %GROSS %NET %
£2,000+0.250.250.200.250.250.20
£1+0.100.100.080.100.100.08
 
These interest rates were correct from 05/02/2009 to 05/03/2009.

Guaranteed Tracker accounts opened prior to 18th September 2007are guaranteed to track movements in the Bank of England base rate until 31st July 2008. Guaranteed Tracker accounts opened on or after 18th September 2007 are guaranteed to track movements in the Bank of England base rate until 31st July 2009.

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Instant Gold Savings Account

Amount InvestedAnnual OptionQuarterly OptionMonthly* Option
AER/Gross %Net %AER %Gross %Net %AER %Gross %Net %
£50,000+0.100.080.100.100.080.100.100.08
£25,000+0.100.080.100.100.080.100.100.08
£10,000+0.100.080.100.100.080.100.100.08
£2,500+0.100.080.100.100.080.100.100.08
£1+0.100.080.100.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.

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

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Premier Overdraft Rates

Agreed % per month % EAR
£251+0.799.90
Not Agreed2.2%29.8%
 
These interest rates were correct from 01/09/2006 to 01/12/2006.

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The Equivilent Annualised Rate (EAR) does not take into account any additional charges – for example, arrangement fees, securities charges, or monthly fees that may be due.

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Premier Saver with bonus

Amount InvestedAnnual InterestMonthly Interest
AER % with 6 month bonus**Gross % with bonus***Net % with bonus***AER % with 6 month bonus**Gross % with bonus***Net % with bonus***
£100,000+1.351.601.281.001.240.99
£50,000+1.251.501.200.901.140.92
£25,000+1.101.351.080.751.000.80
£10,000+0.851.100.880.500.750.60
£2,500+0.600.850.680.350.600.48
£1+0.100.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.

Premier Saver without bonus

Amount InvestedAnnual InterestMonthly Interest
AER/Gross %Net %AER %Gross %Net %
£100,000+1.100.880.750.750.60
£50,000+1.000.800.650.650.52
£25,000+0.850.680.500.500.40
£10,000+0.600.480.250.250.20
£2,500+0.350.280.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.

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Premier Cash ISA

Amount InvestedAER/Tax-free (per annum)
£21,000+1.50
£15,000+1.40
£9,000+1.25
£3,000+1.10
£10+1.00
 
These interest rates were correct from 02/02/2009 to 02/03/2009.

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



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Regular Savings Account

Amount InvestedAnnual OptionHalf Yearly* OptionMonthly* Option
AER/Gross %Net %AER %Gross %Net %AER %Gross %Net %
£1+0.100.080.100.100.080.100.100.08
 
These interest rates were correct from 03/11/2008 to 02/01/2009.

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* 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 InvestedNo. of withdrawals per year 0 - 2No. of withdrawals per year 3 - 6No. of withdrawals per year 7 - 12 #
AER/Gross %Net %AER/Gross %Net %AER/Gross %Net %
£25,000+0.500.400.100.080.100.08
£10,000+0.100.080.100.080.100.08
£2,500+0.100.080.100.080.100.08
£500+0.100.080.100.080.100.08
£1+0.100.080.100.080.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.


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


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Student Account (2003, 2004 and 2005 Offer)

Student Account (2003, 2004 and 2005 Offer)% Per Month% EAR
Year 1: £0 - £1,5000.000.00
£1,500 +0.607.40
Year 2: £0 - £1,5000.000.00
£1,500 +0.607.40
Year 3: £0 - £1,5000.000.00
£1,500 +0.607.40
Years 4, 5 and 6: £0 - £2,0000.000.00
£2,000 +0.607.40
Unauthorised2.2029.8
 
These interest rates are correct as at 03/07/2006.


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Tessa

Amount InvestedAER/Tax-free (per annum)
£1+4.00
 
These interest rates were correct from 01/12/2003 to 01/03/2004.

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Trustcard

Trustcard (from the TSB range)Monthly Rate %APR Purchases %APR Cash %
Standard Rate1.56220.422.3
Balance Transfers £0 - £1,499.000.93711.813.5
£1,499.01 +0.793 9.911.6
 
These interest rates were correct from 01/02/2001 to 01/09/2001.

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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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