Summary Box

Signature Savings Account
Savings Account Plus
Savings Account Plus - Offset
Instant Savings Account
40 Day Notice Account
Term Deposits - Interest Capitalised at Maturity
Term Deposits - Interest Capitalised Annually
Term Deposits - Interest Capitalised and Repaid Monthly
Term Deposits - Interest Capitalised and Repaid Annually
Term Deposits - 12 Month Advantage Term Deposit
Cybersave
Child's Savings Bond
Cash ISA - Instant Access
Cash ISA - 40 Day Notice
Cash ISA - Fixed Rate Bond

Summary Box

Key Product Information for our Savings Account

Account Name	Signature Savings Account
Interest Rates (AERs)	Refer to the Savings Account Tariff, Current Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	You may only withdraw funds by transfer to your Linked Current Account using Internet/Telephone Banking.

Summary Box

Key Product Information for our Savings Account

Account Name	Savings Account Plus
Interest Rates (AERs)	Refer to the Savings Account Tariff, Current Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	You may only withdraw funds by transfer to your Linked Current Account using Internet/Telephone Banking.

Summary Box

Key Product Information for our Savings Account

Account Name	Savings Account Plus – Offset
Interest Rates (AERs)	Refer to the Savings Account Tariff, Current Account Tariff for personal customers, or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	You may only withdraw funds by transfer to your Linked Current Account using Internet/Telephone Banking.

Summary Box

Key Product Information for our Savings Account

Account Name	Instant Savings Account
Interest Rates (AERs)	Refer to the Savings Account Tariff, for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	Internet/Telephone Banking/ATM/Branch.

Summary Box

Key Product Information for our Savings Account

Account Name	40 Day Notice Account
Interest Rates (AERs)	Refer to the Savings Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	From 1st October 2009 until the 30th September 2010, a bonus of 0.5% on the gross rate will apply
Withdrawal arrangements	Withdrawals require 40 days’ notice. Withdrawals without 40 days’ notice are subject to a charge. The withdrawal must be for the whole balance in the Account including any accrued interest. Withdrawals may only be made by transfer to another account. The charge is equivalent to 40 days’ gross interest or a minimum of £30.00, whichever is greater. The Account must then be closed. Further details can be found in the Terms and Conditions.
Access	Branch

Summary Box

Key Product Information for our Savings Account

Account Name	3, 6, 12, 24, 36 & 60 month Term Deposits – Interest Capitalised at Maturity
Interest Rates (AERs)	Refer to our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	If your deposit is a Qualifying Time Deposit (as defined in the account Terms and Conditions) interest will be paid gross. On all other deposits interest will be paid net of basic rate tax unless you are entitled to register for gross interest and have completed the relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch/Post/Internet/Telephone

Summary Box

Key Product Information for our Savings Account

Account Name	24, 36 & 60 month Term Deposits – Interest Capitalised Annually
Interest Rates (AERs)	Refer to our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch/Post/Internet/Telephone

Summary Box

Key Product Information for our Savings Account

Account Name	12, 24, 36 & 60 month Term Deposits – Interest Capitalised and Repaid Monthly
Interest Rates (AERs)	Refer to our website,www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	If your deposit is a Qualifying Time Deposit (as defined in the account Terms and Conditions) interest will be paid gross. On all other deposits interest will be paid net of basic rate tax unless you are entitled to register for gross interest and have completed the relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch/Post/Internet/Telephone

Summary Box

Key Product Information for our Savings Account

Account Name	24, 36 & 60 month Term Deposits – Interest Capitalised and Repaid Annually
Interest Rates (AERs)	Refer to our website,www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	If your deposit is a Qualifying Time Deposit (as defined in the account Terms and Conditions) interest will be paid gross. On all other deposits interest will be paid net of basic rate tax unless you are entitled to register for gross interest and have completed the relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch/Post/Internet/Telephone

Summary Box

Key Product Information for our Savings Account

Account Name	12 Month Advantage Term Deposits
Interest Rates (AERs)	Refer to our website,www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	If your deposit is a Qualifying Time Deposit (as defined in the account Terms and Conditions) interest will be paid gross. On all other deposits interest will be paid net of basic rate tax unless you are entitled to register for gross interest and have completed the relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch/Telephone

Summary Box

Key Product Information for our Savings Account

Account Name	Cybersave Account
Interest Rates (AERs)	Refer to the Savings Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	Branch/ATM (if you have a card)

Summary Box

Key Product Information for our Savings Account

Account Name	Child’s Savings Bond
Interest Rates (AERs)	Refer to our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Interest will be paid net of basic rate tax unless you have registered for payment of gross interest as a non taxpayer, or are resident abroad and have signed a non-resident’s declaration.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals or early closure of the Term Deposit are not permitted under any circumstances during the Fixed Term except in the event of the death of the Account Holder (or one of them if joint account). See Terms and Conditions of the account for further information.
Access	Branch

Summary Box

Key Product Information for our Savings Account

Account Name	Cash ISA - Instant Access
Interest Rates (AERs)	Refer to the Savings Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch.
Tax Status	Tax free – interest is paid gross
Conditions for bonus payment	N/A
Withdrawal arrangements	Funds can be withdrawn at any time. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number or amount withdrawn from your investment.
Access	Via Branch/Post/Telephone/Internet Banking

Summary Box

Key Product Information for our Savings Account

Account Name	Cash ISA - 40 Day Notice
Interest Rates (AERs)	Refer to the Savings Account Tariff for personal customers, our website www.ybonline.co.uk or the notice displayed in Branch
Tax Status	Tax free – interest is paid gross
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawals require 40 days notice. Withdrawals without 40 days’ notice are subject to a charge. The withdrawal must be for the whole balance in the Account including any accrued interest. Withdrawals may only be made by transfer to another account. The charge is equivalent to 40 days gross interest or a minimum of £30.00, whichever is greater. The Account must then be transferred into a Cash ISA Account. Further details can be found in the Terms and Conditions. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number or amount withdrawn from your investment.
Access	Via Branch/Post

Summary Box

Key Product Information for our Savings Account

Account Name	Cash ISA – Fixed Rate Bond - (Issue 2) Maturity date 31.03.2011 Cash ISA – Fixed Rate Bond - (Issue 3) Maturity Date 31.03.2015
Interest Rates (AERs)	Refer to the Savings Account Tariff for personal customers, or our website www.ybonline.co.uk.
Tax Status	Tax free – interest is paid gross.
Conditions for bonus payment	N/A
Withdrawal arrangements	You cannot make part withdrawals from your Cash ISA - Fixed Rate Bond. If you choose to close or transfer your account before maturity, a charge will be payable and 5 Business Days notice is required. The charge is dependent on the number of days to Maturity and the minimum charge is £30.00. Please note following the closure of a Cash ISA account where the funds have not been transferred to another ISA, the funds will no longer be eligible for the tax benefits of an ISA. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number or amount withdrawn from your investment.
Access	Branch/Post