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Gibraltar/Offshore Savings Rates and Key Features

Gibraltar/Offshore Savings Range
Rates correct at 17 May 2013

 

Gibraltar/Offshore i-Save
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	1.25	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance of £10 being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 January.
Existing Gibraltar/Offshore Vault account holders will automatically qualify for our Gibraltar/Offshore Loyalty i-Save when they reach 18, which pays an additional 0.25% Gross§ p.a./AER† (Variable) to give a current rate of 1.50% Gross§ p.a./AER† (Variable). Minimum investment and operating balance £10. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts), plus accrued interest credited to the account. View the Product Terms & Conditions

Gibraltar/Offshore Albion Saver (Issue 2)
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £50,000+ £25,000+ £10,000+ £2,500+	1.90 1.80 1.75 1.70 1.35	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 May.
Minimum investment and operating balance £2,500. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts), plus accrued interest credited to the account. View the Product Terms & Conditions

Gibraltar/Offshore 1 Year Fixed Rate Bond (Issue 133) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	1.75	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 June 2014) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (2 June 2014). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid on maturity (1 June 2014). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 1 Year Fixed Rate Bond (Issue 133) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 1.50 1.51	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 June 2014) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (2 June 2014). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore 2 Year Fixed Rate Bond (Issue 134) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	1.95	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 June 2015) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (2 June 2015). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 June (commencing 1 June 2014) and on maturity (1 June 2015). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 2 Year Fixed Rate Bond (Issue 134) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 1.70 1.71	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 June 2015) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (2 June 2015). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore 5 Year Fixed Rate Bond (Issue 135) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	2.35	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (31 May 2018) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (1 June 2018). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 31 May (commencing 31 May 2014) and on maturity (31 May 2018). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 5 Year Fixed Rate Bond (Issue 135) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 2.10 2.12	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (31 May 2018) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (1 June 2018). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore Flexible Freedom - Annual Interest
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£500+	Current Previous 2.00 2.25	Withdrawals can be made at any time without notice or loss of interest subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 September. Interest can either be credited to the account or transferred to another UK or Gibraltar bank/building society account or to another account held with the Society.

Gibraltar/Offshore Flexible Freedom - Monthly Interest
Investment	Current Rate (variable)	Previous Rate	Withdrawal Terms	Payment of Interest
£500+	% Gross§ % AER† 1.75 1.76	% Gross§ % AER† 2.00 2.02	Withdrawals can be made at any time without notice or loss of interest subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.
Minimum investment and operating balance £500. The maximum investment and operating balance is £1,000,000 (£2,000,000 for joint accounts), plus accrued interest credited to the account. One direct pension credit must be paid into the account each month. View the Product Terms & Conditions

Gibraltar/Offshore Dinosaver
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Withdrawals must be made by a the authorised signatory. Unlimited withdrawals can be made as long as the £10 minimum operating balance is maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 January. Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.
Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000, plus accrued interest credited to the account. Age Qualification: 0-11 years old inclusive to open an account. On the account holders 12th birthday, the Gibraltar DinoSaver account will automatically change to the 12-17 year old account available at the time. Full terms and conditions will be provided nearer the time. View the Product Terms & Conditions

Gibraltar/Offshore Vault
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	One withdrawal per week of up to £250 may be made by the account holder. If the account holder wishes to withdraw more than £250 or make more than one withdrawal in a week, both the account holder and the authorised signatory must sign for the withdrawal. Withdrawals are subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid on 1 January. Interest is credited to the account.
Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000, plus accrued interest credited to the account. Age Qualification: 12-17 years old inclusive to open an account. On the account holders 18th birthday, we will transfer the account, including interest, to the Gibraltar Loyalty i-Save account or to another instant access maturity account. View the Product Terms & Conditions

Gibraltar/Offshore RegularSaver (Issue 2)
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£20+ per month	0.05% excluding 3% Conditional Bonus 3.05% including 3% Conditional Bonus	One withdrawal is permitted each Bonus period (The Bonus period runs from 1 March to 28 February in each year (29 February in a leap year)). If a second withdrawal is required you will not qualify for a Bonus in respect of that period. Cash withdrawals/deposits are not permitted.	Annual: Interest and Bonus paid annually on 1 March.
The minimum monthly payment is £20 and the maximum monthly payment is £500. The minimum investment and operating balance is £20. View the Product Terms & Conditions

Gibraltar/Offshore Young Investor 5 Year Fixed Rate Bond (Issue 8)
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	2.35	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (1 July 2018) subject to the minimum balance being maintained. In the event that the balance falls below the minimum operating balance, the basic investment rate of interest, which is currently 0.05% Gross§ p.a./AER† (variable), shall apply. Closure of the account or further withdrawals are not permitted until the day after maturity (2 July 2018). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 July (commencing 1 July 2014) and on maturity (1 July 2018). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society. In the case of account holders aged 17 and under, provided that such account is in the name of the account holder.
Minimum investment and operating balance is £100. The maximum investment and operating balance is £1,000,000 plus accrued interest credited to the account. View the Product Terms & Conditions

§ Gross means the rate of interest payable before the deduction of income tax at the rate specified by law. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

Leeds Building Society is a member of the Building Societies’ Association. The Society is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000, compensation may be available if the Society cannot meet its liabilities in respect of this product, please see the Gibraltar/ Offshore General Investment Conditions for full details.

We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).

The Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and our registration number is 164992. You can check this on the Financial Services Register by visiting the FCA website at www.fca.org.uk or by contacting the FCA on 00 44 207 066 1000.   The Society is authorised to conduct business in Gibraltar by the Financial Services Commission.

Other taxes or costs may exist that are not paid by Leeds Building Society.

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