Key Product Information for our Savings Products

Summary Box: Intelligent Finance isaver

Intelligent Finance isaver is an instant access variable rate savings jar operated online. Minimum deposit of £1.00.

Product Name	Intelligent Finance isaver
Interest rate (AER)	2.49%
Tax Status	Interest will be paid net of income tax (currently 20%) unless you register your isaver with us to receive gross interest
Conditions for bonus payment	Not applicable
Withdrawal arrangements	Unlimited withdrawals by transfer to another account online without loss of interest
Access	Online only

Summary Box: Direct Access Savings

Direct Access Savings is an instant access variable savings jar offering phone and online access. Minimum deposit of £1.00.

Product Name	Direct Access Savings
Interest rate (AER)	0.05%
Tax Status	Interest will be paid net of income tax (currently 20%) unless you register your Direct Access Savings with us to receive gross interest
Conditions for bonus payment	Not applicable
Withdrawal arrangements	Unlimited withdrawals by transfer to another account without loss of interest
Access	Phone and online

Summary Box: Cash ISA

Cash ISA is a tax free variable savings jar offering phone and online access. Save up to £5,100 each tax year. Minimum deposit of £1.00.

Product Name	Cash ISA
Interest rate (AER)	2.50%
Tax Status	Interest will be paid tax free
Conditions for bonus payment	Not applicable
Withdrawal arrangements	Unlimited withdrawals by transfer to another account without loss of interest
Access	Phone and online

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