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1. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

2. The gross rate is the interest rate payable before the deduction of tax.

If separate AER/Gross rates are not quoted, both rates are identical.

These account details apply to personal investors only unless stated in the detailed information.

Charitable Assignment

All new customers opening a savings account will be required to sign a declaration agreeing to assign any windfall conversion benefits to the Charities Aid Foundation. This assignment will apply for the first 5 years of membership. Existing members with continuous membership prior to the effective date are not affected. Our Charitable Assignment Scheme leaflet provides full details.