Tax Efficient savings

Saving for the future is important and there's nothing better than getting a top rate of interest and not giving the taxman a slice.

Why not make the most of it?

Originally ISAs were introduced by the Government to encourage more people to save for the future. To help with this, no tax is charged on the interest earned in an ISA, making them a very effective way to grow your money.

• ISAs are an ideal way to save for the future in a tax efficient way
• You can transfer previous and current tax years' subscriptions from other managers to us. Simply complete the transfer section of the application form and we'll do the rest
• You may transfer your current tax years' subscription in whole and previous tax years' investments in whole or in part to another ISA manager, at any time, by giving us notice in writing. On receipt of your instructions we will transfer your ISA, or part of your ISA to the ISA manager you specify, subject to any notice period

• From 6 April 2008 you can save up to £3,600 per tax year in a Cash ISA
• Please note once the subscription limit has been reached in any one year, no further deposits can be made, regardless of the amount of withdrawals
• If a current year's subscription for a Cash ISA is transferred to a Stocks and Shares ISA, you are entitled to subscribe to another Cash ISA once the transfer is complete. Subject to the overall subscription limits
• Important ISA information

Cash 60 Day Notice ISA (issue 2) As seen in the Best Buy tables, May 2008 Online at:
moneyfacts.co.uk : Mini Cash ISAs;

If you are a UK resident aged 16 or over you are able to open this Individual Savings Account (ISA) product and receive an attractive rate of interest tax-free

Cash 180 Day Notice ISA (issue 2)

If you are a UK resident aged 16 or over you are able to open this Individual Savings Account (ISA) product and receive an attractive rate of interest tax-free

Easy Access ISA

If you are a UK resident aged 16 or over you are able to open this Individual Savings Account (ISA) product and receive an attractive rate of interest tax-free

Cash 90 Day Notice ISA account

If you are a UK resident aged 16 or over you are able to open this Individual Savings Account (ISA) product and receive an attractive rate of interest tax-free