Summary Box Key Product Information for our Savings Account(s) N/A. Branch, Telephone or Internet

Transcription

1 Cash Club 0.50% Interest is paid tax-free if an R85 form is completed Instant

2 Rainbow Savings 0.50% Interest is paid tax-free if an R85 form is completed Instant Branch (Passbook)

3 Instant Cash ISA 50, % 27,000 49, % 22,000 26, % 15,000 21, % 9,000 14, % 1 8, % Tax-free Instant

4 Tax status Fixed Rate ISA Fixed Rate ISA interest rates vary from issue to issue. Please refer to the latest Fixed Rate ISA information sheet for current rates. Interest is paid tax-free. No withdrawals are permitted after funds are deposited into the Fixed Rate ISA account. If you require access to money in your Fixed Rate ISA account before the maturity date, the Fixed Rate ISA account will be closed and any money not withdrawn or transferred will be deposited into a Cash ISA. Interest will be charged for closure or transfer of the Fixed Rate ISA prior to maturity. This is detailed in the Fixed Rate ISA information sheet for that issue, and will vary depending on the Fixed Rate ISA issue selected.

5 Instant Saver 100, % 25,000 99, % 1 24, % Interest is paid after the deduction of 20% tax Instant

6 Instant Savings Account* % Interest is paid after the deduction of 20% tax Instant Only available to new customers who hold or apply for an offset mortgage arrangement.

7 Account Name Royalties Saver* 100, % 50,000 99, % 25,000 49, % 2,000 24, % 1 1, % Interest is paid after the deduction of 20% tax Instant access Royalties Saver accounts are not available to new customers, other than customers holding Royalties Gold or Royalties Private account before 5 September 2012.

8 (Excluding conditional bonus) (Including 0.25% p.a. (fixed) conditional bonus) Royalties Private Saver* Gross AER Rate p.a. (variable) (variable) 250, % 1.39% 100, , % 1.19% 50,000 99, % 0.99% 25,000 49, % 0.75% 10,000 24, % 0.50% 1 9, % 0.10% Gross AER Rate p.a. (variable) (variable) 250, % 1.64% 100, , % 1.44% 50,000 99, % 1.24% 25,000 49, % 1.00% 10,000 24, % 0.75% 1 9, % 0.10% Interest is paid after the deduction of 20% tax A 0.25% p.a. (fixed) bonus is paid monthly if no withdrawals are made in that month and a minimum balance of 10,000 is maintained. Instant Royalties Private Saver accounts are not available to new customers other than customers olding a Royalties Private or Black account before 5 September 2012.

9 Direct Saver % Interest is paid after the deduction of 20% tax Instant Internet only

10 RBS Fixed Rate Bonds Fixed Rate Bond interest rates vary from month to month. Please refer to the latest Fixed Rate Bond information sheet for the current rates Interest earned on the balance of your Fixed Rate Bond will be paid after the deduction of tax, unless we hold a valid R85 declaration. Partial withdrawals are not permitted If you close your bond before the date specified, you will incur an interest charge. This is detailed in the Fixed Rate Bond information sheet for that issue, and will vary depending on the Bond issue selected If early closure applies, the accrued interest and initial deposit will be paid into your nominated account. If the interest earned up until closure is less than the interest charge, your nominated account will be debited with the difference You can apply for this product in branch, online and via the telephone RBS 05/09/2012