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1 Year Fixed Rate ISA PRODUCT FACTSHEET About this Factsheet This factsheet contains the product terms for the 1 Year Fixed Rate ISA. The Financial Conduct Authority is a financial services regulator. It requires us, Yorkshire Building Society trading as Norwich & Peterborough Building Society to give you this important information to help you to decide whether our 1 Year Fixed Rate ISA is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference. It should be read with the General Savings and Investment Conditions as together they explain how your savings account works. You should keep these for your records. It is important that you read all of the terms before you decide to open the account. Please note we may change the terms of the account and our charges relating to your account for certain reasons. The General Savings and Investment Conditions set out those reasons and how we will notify you of the changes. For full details of any charges please refer to our Savings Account Charges leaflet available at any of our branches, by visiting nandp.co.uk or by calling 0345 300 2511. If you open an account it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society and N&P). N&P is operated under its own brand with its own products. References in this factsheet to you and your are to the account holder. References to we, our, us, N&P or to the Society are to Yorkshire Building Society trading as Norwich & Peterborough Building Society. About ISAs You can invest in four separate ISAs each year: a Cash ISA (from age 16), a Stocks & Shares ISA (from age 18), Innovative Finance ISA (from age 18) or Lifetime ISA (from age 18). A Lifetime ISA can only be opened between the ages of 18 and 40 and once opened you can invest into the account up to age 50. You can invest in any combination of the four types of ISA in one tax year up to your total annual ISA allowance limit, which is 20,000 for the 2018/19 tax year, however the annual contribution limit into a Lifetime ISA is 4,000. Norwich & Peterborough Building Society only offers Cash ISAs. By choosing a Cash ISA you will benefit from tax-free interest. Although Stocks & Shares ISAs are tax efficient they are not completely tax-free. These ISAs are best suited for money that you can leave untouched for at least five years or more. THE VALUE OF AN INVESTMENT IN A STOCKS AND SHARES ISA IS NOT GUARANTEED AND CAN FALL AS WELL AS RISE AND YOU MAY GET BACK LESS THAN YOU INVESTED YOUR CAPITAL AND INTEREST MAY BE AT RISK IN AN INNOVATIVE FINANCE ISA AND YOUR INVESTMENT IS NOT COVERED UNDER THE FINANCIAL SERVICES COMPENSATION SCHEME As well as Cash ISAs, a Share Dealing service, provided by Jarvis Investment Management Ltd (Jarvis) is also available if you are interested in a Stocks and Shares ISA. This is an execution-only Share Dealing service provided by Jarvis, which means you won t get any advice on your investment decisions but gives you full control to manage your own portfolio and choose your own strategy. Whether you re an experienced investor or just wanting to sell a few shares, the Share Dealing service offers a range of accounts that allow you to trade quickly and easily by telephone, online or by post. Jarvis is entirely responsible for the performance of the services. Jarvis is authorised and regulated by the Financial Conduct Authority. Jarvis is a member of the London Stock Exchange and ISDX markets, and an approved HM Revenue & Customs ISA Manager. About our 1 Year Fixed Rate ISA Save some or all of your annual ISA allowance in this account Pays a fixed rate of interest Interest is paid tax-free. Interest paid annually SUMMARY BOX PLEASE REMEMBER THAT STOCKS AND SHARES AND ANY INCOME DERIVED FROM THEM CAN RISE AND FALL IN VALUE. YOU MAY NOT GET BACK THE FULL AMOUNT OF YOUR INVESTMENT. IF IN DOUBT PLEASE CONSULT AN INDEPENDENT FINANCIAL ADVISER.. Withdrawals or closure are subject to a loss equivalent to 60 days interest on the amount withdrawn. Withdrawals or closure will result in loss of tax-free status other than transfers to another ISA. Register to view your account online The Fixed Rate ISA is a limited-offer product, which means it can be withdrawn without notice at any time. You can only make one investment per Fixed Rate ISA. No additional deposits are allowed. If you wish to make a deposit into this Fixed Rate ISA we suggest that you arrange this immediately to avoid disappointment. Account Name What is the interest rate? 1 Year Fixed Rate ISA This account pays a fixed rate** of interest of: Annual Interest Tax free p.a. AER* 1.20% 1.20% Whether you need to pay tax is dependent on your own personal circumstances and so may be subject to change in the future. Tax free means that Interest is not subject to income tax. *AER stands for the Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time. ** Fixed rate of interest means that the interest rate payable on your account will remain the same from the time you open your account until the end of the fixed rate period. Continued overleaf Page 1 of 5

What is the interest rate? (continued) Can N&P change the interest rate? What would be the estimated balance at product maturity based on a 1,000 deposit? How do I open and manage my account? Can I withdraw money? Additional Information Payment of interest Interest is calculated daily on cleared balances. Annual interest is paid on 6 April and on maturity it will be added to your 1 Year Fixed Rate ISA. No, the interest rate is fixed for the full term of the ISA. At the end of the fixed term after 1 Year your balance would be 1,012.00. We have worked this out assuming a 1,000 deposit is made on account opening and no further deposits or withdrawals are made throughout the fixed term and the interest earned is added to the account. This is provided for illustrative purposes only and does not take into account your individual circumstances. Eligibility. You have to be at least 16 years old. You must be a UK resident for tax purposes, or be a qualifying Crown employee or married to or in a civil partnership with a qualified Crown employee. The account can only be held in your name. You may only subscribe to one cash ISA in a single tax year. Account opening Accounts can be opened with a minimum of 100 in the following ways:. In a branch. By calling 0345 300 2511 to request an application pack to be sent to you. No additional deposits are allowed. The account can be managed in branch or by post. The maximum balance is 20,000 for 2018/19 ISA allowance plus previous years ISA transfers. Please check with your existing provider if any charges are applicable on transfer. Interest will be paid from the day that we receive the ISA transfer documentation and cheque from the original ISA provider. Where there is a delay in N&P receiving this information it will reduce the number of days interest received during this fixed rate period. Transferring your ISA You can transfer some or all of your money saved in previous tax years into a Cash ISA and/or Stocks & Shares ISA and/or Innovative Finance ISA and/or Lifetime ISA without affecting your annual allowance, subject to the product terms of your account. You can also transfer money saved in a Cash ISA for the current tax year into a different ISA with the same or a different provider, although you can only hold one of each type of ISA for each tax year. You must transfer the whole amount saved in the current tax year. Transfer charges may apply, please check with your existing provider. Do not transfer any ISA balance yourself otherwise you ll lose your tax benefits. Access to deposits held in a 1 Year Fixed Rate Cash ISA during the fixed rate period are subject to a loss equivalent to 60 days interest on the amount withdrawn. Please be aware if a withdrawal is made from the account by CHAPS a charge of 23.50 will be incurred. Proof of name ID will be required. Maturity: Towards the end of the term of the ISA, we will contact you to discuss the options available to you when your Fixed Rate ISA matures. Unless you advise us otherwise, we will transfer the capital and interest from your ISA on maturity to the latest issue of the Instant ISA. The account is passbook based. You should try and have your passbook updated at least once a year. This is a Non-payment account, please refer to the General Savings and Investment conditions for more information. This is a Share Account for personal customers only. MAKING WITHDRAWALS. Cash or cheque. CHAPS You can make the following withdrawals at any of our branches:. Transfer to another Norwich & Peterborough Building Society account. Please refer to our Savings Account Charges leaflet for details of our payment charges. DAILY WITHDRAWAL LIMITS Withdrawals or transfers can be made without any prior notice, except that any withdrawal must not exceed the daily limits we set. For operational reasons we impose limits on the amounts that can be withdrawn from our accounts at branches. The limits are set out overleaf and are subject to change from time to time. Where the terms of your account allow immediate access to your funds:. Cash - 1,000 on any one day or up to 5,000 which requires two working days notice. Any amounts over 5,000 will also be subject to production of additional identification and authorisation. Cheques - Cheque withdrawals can be processed for any amount, subject to the account terms and conditions and the available balance. These limits apply irrespective of the number of accounts you may have with us and whether an account is a sole or a joint account. Proof of identity may also be required when making withdrawals. Page 2 of 5

PRODUCT INFORMATION FOR THE INSTANT ISA (ISSUE 3) ACCOUNT As detailed on page 2 of this factsheet, the 1 Year Fixed Rate ISA matures to the latest issue of the Instant ISA, details of the current issue are shown below. Account Name Instant ISA (Issue 3) What is the interest rate? This account pays a variable** rate of interest of: Annual Interest Tax free p.a. AER* 0.50% 0.50% Whether you need to pay tax is dependent on your own personal circumstances and so may be subject to change in the future. Tax free means that Interest is not subject to income tax. Can N&P change the interest rate? What would be the estimated balance after 12 months based on a 1,000 deposit? How do I open and manage my account? Can I withdraw money? Additional Information * AER stands for the Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time. ** Variable rate of interest means that the interest rate payable on your account can change and can move both up and down. Payment of interest Interest is calculated daily on cleared balances. Annual interest is paid on 6 April. It will be added to your Instant ISA (Issue 3) account. We can make changes to the interest rate on this account for particular reasons. General Savings and Investment Condition 4 sets out those reasons and how we will notify you of the changes. After 12 months your balance would be 1,005.00. We have worked this out assuming a 1,000 transfer is made from your maturing 1 Year Fixed Rate ISA, no further deposits or withdrawals are made throughout the 12 months, the interest earned is added to the account and no changes are made to the current interest rate. This is provided for illustrative purposes only and does not take into account your individual circumstances. Eligibility. The balance held in a Fixed Rate ISA will be transferred to the latest issue Instant ISA account after maturity. Account management Accounts can be opened in a branch or by post. Minimum balance 10. The maximum balance is 20,000 for 2018/19 ISA allowance plus previous years ISA transfers. Please check with your existing provider if any charges are applicable on transfer. Transferring your ISA You can transfer some or all of your money saved in previous tax years into a Cash ISA and/or Stocks & Shares ISA and/or Innovative Finance ISA and/or Lifetime ISA without affecting your annual allowance, subject to the product terms of your account. You can also transfer money saved in a Cash ISA for the current tax year into a different ISA with the same or a different provider, although you can only hold one of each type of ISA for each tax year. You must transfer the whole amount saved in the current tax year. Transfer charges may apply, please check with your existing provider. Do not transfer any ISA balance yourself otherwise you ll lose your tax benefits. The Instant ISA (Issue 3) account allows instant withdrawals subject to daily limits shown on page 2, without loss of interest. Please note withdrawals and closure will result in the loss of your tax-free status, other than transfers to another ISA. Please be aware if a withdrawal is made from the account by CHAPS a charge of 23.50 will be incurred. Proof of name ID will be required. Interest earned from your ISA is tax-free and does not contribute to your Personal Savings Allowance. If you fail to invest in your Cash ISA in a single year, under HM Revenue and Customs rules you will be required to complete a declaration form before you can invest further. Your account is passbook based. You should try and have your passbook updated at least once a year. This is a Non-payment account, please refer to the General Savings and Investment Conditions for more information. Share account, for personal customers only. Page 3 of 5

MAKING ADDITIONAL DEPOSITS There are various ways to pay money into your Instant ISA (Issue 3) account:. Branch You can pay money in at any of our branches. Post cheques can be sent or taken to your branch. You must include details of where the money is to be credited. You can find the address of your branch on our website at nandp.co.uk or by calling 0345 300 2511. Cheques should be made payable to yourself or Norwich & Peterborough Building Society A/C (account holder s name). Electronic Payments we accept payments into our accounts from other UK banks electronically. Subject to withdrawal terms and conditions of your other account. To make payments into your account from within the UK, please use the following: Sort Code Bank Account Number Reference 40-65- 00 (For Faster Payments or BACS) 23-67- 99 (For CHAPS) For Faster Payments or BACS - Your Norwich & Peterborough Building Society account number For CHAPS 00000000 For Faster Payments or BACS No reference is required For CHAPS Your name and your Norwich & Peterborough account number To make payments into your account from outside the UK, please contact us at your branch, by phone or check online for details. Your right to cancel Instant ISA (Issue 3) You have the right to change your mind within 14 days of the account being transferred from the Fixed Rate ISA. If you do, we will help you switch to another account or return your money with any interest earned. We will not apply any notice period or charge. Should you wish to cancel the account within this period, please write to the branch where you opened your Fixed Rate ISA or call us on 0345 300 2511. Page 4 of 5

ADDITIONAL INFORMATION Tax It is possible that taxes and costs may exist that are not paid via or by us. All savers should declare interest earned when making a tax return. It is your responsibility not ours, to make this declaration. Moving money between accounts You may move money from one Norwich & Peterborough Building Society account to another, but any transfer will be subject to the withdrawal terms of the account from which the transfer is made. Customers are free to move money (with the exception of Bonds and E-Bonds) from an existing Norwich & Peterborough Building Society notice account to another Norwich & Peterborough Building Society account currently offered, which has an equal or greater notice requirement, without notice or loss. Transfers to a Bond are allowed without notice or loss of interest. Holders of variable rate closed accounts may transfer their investment to any account within Norwich & Peterborough Building Society s current range without notice or loss of interest (subject to normal eligibility). To find out how someone else can transfer money into your account, please refer to nandp.co.uk or call 0345 300 2511. ISA cancellation If you open a Cash ISA and then change your mind within 14 days of opening, you may cancel your ISA and we will give you your money back with any interest it has earned (subject to the relevant funds having cleared). We will not apply any notice period or charge. You can then open another Cash ISA in the same tax year if you wish. To cancel: write to us at: Norwich & Peterborough Building Society, Peterborough Business Park, Lynch Wood, Peterborough, PE2 6WZ. Charitable Assignment Scheme We wish to avoid disruption to our business caused by speculators and allow customers access to our competitive savings accounts and mortgages. Therefore all new customers opening a savings account or applying for a mortgage with Norwich & Peterborough Building Society ( N&P ), which confers membership of Yorkshire Building Society, are required to agree to assign any windfall conversion benefits to which they might become entitled to the Yorkshire Building Society Charitable Foundation. This agreement will continue for a period of 5 years from the date you become a member irrespective of the number of investment and mortgage accounts you open in that 5 year period. At the end of the 5 year period, you will be entitled to keep any windfall conversion benefits which may arise after that date. In certain circumstances Yorkshire Building Society may not apply this requirement e.g. on the death of an investor (who was not subject to the charitable assignment) where the money is transferred into a new customer account opened by a beneficiary. Also if: (i) You were a member of Norwich & Peterborough Building Society immediately before its merger with Yorkshire Building Society and have been a member of Yorkshire Building Society since that date; and (ii) you made a declaration to assign any windfall conversion benefits to N&P s selected charity ( the N&P Scheme) when you became a member of Norwich & Peterborough Building Society, then you will continue to be subject to the N&P Scheme after the effective date of the merger between Yorkshire Building Society and Norwich & Peterborough Building Society. In the case of the N&P Scheme, the agreement to assign is in favour of a selected charity and is a permanent assignment. If immediately before the merger you were assigned to both the N&P Scheme and the Yorkshire Building Society 5 year scheme, and you continue to be a member of Yorkshire Building Society, then you will continue to be bound by the Yorkshire Building Society scheme for the remainder of the 5 year period, as well as being bound by the N&P Scheme for as long as you remain a member of Yorkshire Building Society. Not happy with our service? We pride ourselves in delivering exceptional service, so if at any time you re not satisfied with the service you ve received, please let us know. We have a simple process enabling you to do this, which is explained in our leaflet How to make a complaint. If you would like a copy of the leaflet or if you wish to make a complaint, please contact any of our branches or call us on 0345 300 2511. If we cannot come to a resolution to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service, of which we are a member. Important information about compensation arrangements Your eligible deposits with Yorkshire Building Society are protected up to a total of 85,000 by the Financial Services Compensation Scheme, the UK s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Yorkshire Building Society, Chelsea Building Society, Norwich & Peterborough Building Society and Egg. Offset deposits through our subsidiary Accord Mortgages Limited are held by Yorkshire Building Society on behalf of Accord. Any total deposits you hold above the 85,000 limit between these brands are unlikely to be covered. For further information please call us on 0345 300 2511, or visit the FSCS website at www.fscs.org.uk. Yorkshire Building Society Charitable Foundation and Small Change Big Difference scheme The Charitable Foundation is independent of the Yorkshire Building Society Group and supports registered charities that our members and colleagues care about. The Charitable Foundation can only continue to do this with the help of the Society s customers who take part in the Small Change Big Difference scheme. Although this scheme is not currently available for N&P members to join we re looking forward to launching this in the future. Your branch will be happy to talk to you about how the Charitable Foundation could help your favourite local registered charity when opening your account or you can find our further information online at ybs.co.uk/charitablefoundation Our printed material is available in alternative formats e.g. large print, Braille or audio. Please contact your branch or call us on 0345 300 2511. Norwich & Peterborough Building Society will communicate with you in English. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile. Small Change Big Difference is a registered trademark of Yorkshire Building Society. Yorkshire Building Society Charitable Foundation Registered Charity No: 1069082. Registered Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ Norwich & Peterborough Building Society and N&P are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Principal Office of Yorkshire Building Society: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. nandp.co.uk NPM 10806 06 04 18 Page 5 of 5