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Interest Rates and Charges

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Previous Interest Rates

Savings

30th April 2008 to 1st November 2008

ST. JAMES'S PLACE BANK ISAVER ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 6.40% 5.12% 6.22% 4.98%


DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%
***From 6th April 2008, Cash ISAs replaced Mini Cash ISAs

2nd March 2008 to 29th April 2008

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 4.80% 3.84% 4.70% 3.76%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 5.35% 5.22%
***From 6th April 2008, Cash ISAs replaced Mini Cash ISAs

31st December 2007 to 1st March 2008

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 5.05% 4.04% 4.94% 3.95%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 5.30% 4.24% 5.18% 4.14%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 5.30% 4.24% 5.18% 4.14%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 5.05% 4.04% 4.94% 3.95%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 5.35% 5.22%

10th November 2006 to 27th January 2007

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 4.80% 3.84% 4.70% 3.76%


MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 4.55% 4.46%

5th Sept 2005 to 30th March 2006

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount 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
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%

20th Aug 2004 to 31st Jan 2005

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 5.10% 4.98%

25th June 2004 to 19th Aug 2004

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount 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, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 4.85% 4.75%

20th Feb 2004 to 24th June 2004

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 4.25% 3.40% 4.17% 3.34%


MINI CASH ISA, TESSA-ONLY ISA***
ANNUAL INTEREST
 MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 4.60% 4.51%

28th Nov 2003 to 19th Feb 2004

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 4.00% 3.20% 3.93% 3.14%


MINI CASH ISA, TESSA-ONLY ISA***
ANNUAL INTEREST
 MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 4.35% 4.27%

5th August 2003 to 27th Nov 2003

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
From £1 deposit** 3.55% 2.84% 3.49% 2.79%


MINI CASH ISA, TESSA-ONLY ISA***
ANNUAL INTEREST
MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 3.90% 3.83%

From 15th March 2003 to 4th August 2003

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

MINI CASH ISA, TESSA-ONLY ISA***
ANNUAL INTEREST
MONTHLY INTEREST
Amount AER/Gross p.a. GROSS p.a.
From £1 deposit 4.05% 3.98%

From 1st March 2003 to 14th March 2003

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
Credit balance** 3.70% 2.96% 3.64% 2.91%

From 4th August 2002 to 28th February 2003

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
Credit balance** 3.80% 3.04% 3.74% 2.99%

From 3rd March 2002 to 3rd August 2002

DIRECT ACCESS SAVINGS ANNUAL INTEREST MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
Credit balance** 4.01% 3.21% 3.94% 3.15%

From 5th Dec 2001 to 2nd March 2002

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST >MONTHLY INTEREST
Amount AER/Gross p.a. NET p.a. GROSS p.a. NET p.a.
£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%

From 13th Nov 2001 to 4th Dec 2001

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST >MONTHLY INTEREST
Amount 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%

From 17th Oct 2001 to 12th Nov 2001

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST >MONTHLY INTEREST
Amount 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%

From 6th Sept 2001 to 16th Oct 2001

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST >MONTHLY INTEREST
Amount 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%

From 29th June 2001 to 5th Sept 2001

DIRECT ACCESS SAVINGS, MINI CASH ISA, TESSA-ONLY ISA*** ANNUAL INTEREST >MONTHLY INTEREST
Amount 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%

Key

* 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 tate specified by law (currently 20%). The net rate id the rate of interest payable after allowing for the deduction of income tax at the specified rate.

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