Foreign Currency Deposit Accounts - Summary Boxes

SUMMARY BOX Key product information for our US Dollar Deposit account
Account name	US Dollar Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. $250,000+ 0.50 0.40 0.50 $150,000 - $249,999 0.50 0.40 0.50 $50,000 - $149,999 0.25 0.20 0.25 $0 - $49,999 0.25 0.20 0.25
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

SUMMARY BOX Key product information for our Euro Deposit account
Account name	Euro Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. €275,000+ 0.75 0.60 0.75 €165,000 - 274,999 0.50 0.40 0.50 €55,000 - 164,999 0.30 0.24 0.30 €0 - 54,999 0.20 0.16 0.20
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

SUMMARY BOX Key product information for our Swedish Krona Deposit account
Account name	Swedish Krona Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. SEK 2,610,000+ 0.25 0.20 0.25 SEK 1,565,000 - 2,609,999 0.20 0.16 0.25 SEK 520,000 - 1,564,999 0.15 0.12 0.15 SEK 0 - 519,999 0.10 0.08 0.10
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

SUMMARY BOX Key product information for our Australian Dollar Deposit account
Account name	Australian Dollar Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. AU$475,000+ 0.75 0.60 0.75 AU$285,000 - 474,999 0.50 0.40 0.50 AU$95,000 - 284,999 0.25 0.20 0.25 AU$0 - 94,999 0.10 0.08 0.10
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

SUMMARY BOX Key product information for our New Zealand Dollar Deposit account
Account name	New Zealand Dollar Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. NZ$575,000+ 0.75 0.60 0.75 NZ$340,000 - 574,999 0.50 0.40 0.50 NZ$115,000 - 339,999 0.25 0.20 0.25 NZ$0 - 114,999 0.10 0.08 0.10
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

SUMMARY BOX Key product information for our Canadian Dollar Deposit account
Account name	Canadian Dollar Deposit Account
Interest rates (AERs)	Gross % p.a. Net % p.a. AER % p.a. CA$387,000+ 0.10 0.08 0.10 CA$232,000 - 386,999 0.10 0.08 0.10 CA$77,000 - 231,999 0.05 0.04 0.05 CA$0 - 76,999 0.05 0.04 0.05
Tax status	Interest is paid net of basic rate tax unless you are eligible to receive gross interest in which case you must notify us
Conditions for bonus payments	Not Applicable
Withdrawal arrangements	No notice period or penalties for withdrawals
Access	Online, by phone or by post, in-branch and via ATMs

The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. The net rate is the rate paid after income tax at the lower rate of 20% or such other rate that may be applicable under future legislation. Tax treatment or the rate of interest payable may be subject to change in the future and the tax treatment depends on the individual circumstances or each customer. AER stands for the Annual Equivalent Rate and is a notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.