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Savings & Investments

Online Account Rates and Key Features

Current variable rates correct as at 12 April 2013.
Limited issue rates effective from date shown by product name.
Interest rates are subject to variation.

Our Online accounts allow you to check your balance, view your statements and make transfers online.

Important information about our online facilities

Withdrawals to your Nominated Accounts made before 8pm on a working day will be available to the payee on the next working day.
When money is paid into your account, provided the payment is received by us between 7am and 7pm, you will be able to withdraw the funds that day.
These are online accounts and can only be opened and operated online.

Click on the full details icon to see the full details of the account.

Albion Web Saver (Issue 2)
Investment	Gross Rate§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £50,000+ £25,000+ £10,000+ £2,500+ £100+	1.90 1.80 1.75 1.70 1.35 0.05	Unlimited withdrawals can be made to your Nominated Accounts without notice or loss of interest, subject to the minimum operating balance of £100 being maintained. If the account balances falls below the minimum operating balance, the basic investment rate of interest which is currently 0.05% Gross§ p.a./AER† shall apply. Cash and cheque transactions are not permitted (except for your initial investment which must be made by cheque).	Annual: Interest is paid annually on 1 May.
Minimum investment and operating balance is £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts), plus accrued interest credited to the account.

Online ISA
Investment	Tax-Free§ p.a. /AER†% (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.30 1.55	Unlimited withdrawals can be made to your Nominated Accounts without notice or loss of interest, subject to the minimum opening balance of £10 being maintained.If the account balances falls below the minimum operating balance, the basic investment rate of interest which is currently 0.05% Gross§ p.a./AER† shall apply. Cash and cheque transactions are not permitted (except for your initial investment which must be made by cheque).	Annual: Interest paid annually on 5 April.
Minimum subscription and operating balance £10. Maximum subscription and operating balance £5,760 in 2013/14 tax year plus previous years subscriptions whether held with the society or another ISA provider, plus accrued interest credited to the account.

Accounts cease to be a cash ISA if ISA Regulations are not satisfied.

§ Tax-free means that interest payable is exempt from income tax. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year. ISAs are available to individuals aged 16 and over who are in the UK for tax purposes.

Please note: the tax treatment of ISAs may change. This is a cash ISA. You may only subscribe to (invest in) one cash ISA in each tax year (although in any such year you may also subscribe to a stocks and shares ISA, subject to the overall ISA subscription limits). By opening a cash ISA you will be limiting the amount you can subscribe to a stocks and shares ISA. For further information about ISAs (including subscription limits) please refer to the Society’s leaflet ‘Easy Step Guide to Tax-Free Savings’.

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 General Investment Terms and Conditions for full details.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including colleague training). The Society's main business is the provision of savings products, mortgages and general insurance. The Society offers some investment products that may be operated through branches and by post and certain products which can be operated by post only.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.

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