Summary of Key Information

Signature Savings Account
Savings Account Plus
Savings Account Plus - Offset
Instant Savings Account
40 Day Notice Account
Term Deposits
Monthly Capitalised Interest Term Deposits
Guaranteed Capital Account
Cybersave
Child's Savings Bond
Cash ISA

Signature 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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	0.75% bonus included in the gross rate until 30th September 2009.
Withdrawal arrangements	N/A
Access	You may only withdraw funds by transfer to your Linked Current Account using Internet/Telephone Banking.

Savings Account Plus

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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
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.

Savings Account Plus - Offset

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 tax unless you are entitled to register for gross interest and have completed the relevant documentation.
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.

Instant 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 tax unless you are entitled to register for gross interest and have completedthe relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	A £5.00 fee is charged for counter withdrawals of less than £350.00 (waived if balance £500.00 or more).
Access	Internet/Telephone Banking/ATM/Branch.

40 Day Notice 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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	1% bonus included in the gross rate until 30th September 2009.
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

Term Deposits

Account Name	3, 6, 12, 18, 24 & 36 Month 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 interest will be paid gross. On all other deposits interest will be paid net of tax unless you are entitled to register for gross interest and have completed the relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	During the Fixed Term only one withdrawal can be made which requires 5 Business Days’ notice and must be for the full balance. Such withdrawals are subject to a charge which is dependent on the number of days to Maturity - the minimum charge is £30. The Term Deposit will then be closed. Further details can be found in the Terms and Conditions.
Access	Branch/Post

Monthly Capitalised Interest Term Deposits

Account Name	12, 24 & 36 Monthly Capitalised Interest Term Deposits
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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	During the Fixed Term only one withdrawal can be made which requires 5 Business Days’ notice and must be for the full balance. Such withdrawals are subject to a charge which is dependent on the number of days to Maturity - the minimum charge is £30. The Term Deposit will then be closed. Further details can be found in the Terms and Conditions.
Access	Branch/Post

Guaranteed Capital Account

Account Name	Guaranteed Capital Account
Interest Rates (AERs)	Request a brochure or ask for the current rates at your Branch.
Tax Status	Interest on investments made by Cash ISA will be free of tax and paid gross. Interest on investment via Direct Deposit will be paid net of tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	Withdrawal from the account before Maturity will result in an Early Exit Fee being charged and closure of the account. The Early Exit Fee is an adjustment made to the initial deposit amount. The fee is determined at the relevant time, based on prevailing market conditions such as, but not limited to, interest rates and the level of the FTSE100. If you wish to transfer the funds to another Account Manager, Credit Suisse will charge an additional fee of £100 plus VAT.
Access	All withdrawal or transfer requests must be made in writing to Credit Suisse.

Cybersave 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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	N/A
Access	Branch/ATM (if you have a card)

Child's Savings Bond

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 tax unless you are entitled to register for gross interest and have completed all relevant documentation.
Conditions for bonus payment	N/A
Withdrawal arrangements	During the Fixed Term only one withdrawal can be made which requires 5 Business Days’ notice and must be for the full balance. Such withdrawals are subject to a charge which is dependent on the number of days to Maturity - the minimum charge is £10. The Account will then be closed. Further details can be found in the Terms and Conditions.
Access	Branch

Cash ISA

Account Name	Cash ISA
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 but if £3,600 has already been paid into the Cash ISA during the tax year, the withdrawal amount cannot be replaced.
Access	Complete a withdrawal form at Branch or send signed instructions directly to the Account Manager, MLC.