Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £50,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £50,000 each making a total of £100,000. The £50,000 limit relates to the combined amount in all the eligible depositor’s accounts with the building society, including their share of any joint account, and not to each separate account.

For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.FSCS.org.uk or call 020 7892 7300.

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Melton online savings savings accounts children's savings accounts tax free savings accounts how to apply interest rates previous rates savings terms & conditions checking your identity contact us general information 30 day notice This account allows you to save your money, but has a notice period attached to it in respect of withdrawals to preserve any interest entitlement. Because of the notice period required, we offer a higher interest rate than for the Instant Access account. Summary Box Key Product Information for our Savings Account(s) Account Name 30 Day Notice Interest Rates (AERs) See separate interest rate table Tax Status Net of Income Tax unless you have registered to receive this gross Conditions for Bonus Payment n/a Withdrawal Arrangements 30 days’ notice or immediate access with 30 days’ loss of interest Access Branch, agency or post How much do I need to open an account? You can open an account with a minimum of £500 if you live in the counties of Leicestershire, Lincolnshire, Nottinghamshire or Rutland. For investors who do not live within the counties mentioned, the minimum amount to open an account is £1,000 and the balance of the account must not fall below £1,000. If it does, the Society will give the requisite notice to close the account and repay the investment. How to I make withdrawals? You can either give 30 days’ notice of your intention to withdraw your funds, or you can withdraw immediately with the loss of 30 days’ interest. You can make withdrawals by visiting a branch or agency of the Society (subject to the limits explained in our savings terms and conditions) or by forwarding your passbook with written instructions to us. Interest that has been compounded may be withdrawn without notice or penalty. What about interest? Interest is added to your account at the end of each month. The interest rates are variable and details are shown in a separate interest rate leaflet. balance interest paid gross interest gross AER net interest net AER From 6 Oct 09 £500+ Monthly 1.00 1.00 0.80 0.80 instant access share 30 day notice loyalty saver DLRAA affinity cash ISA 0216 savers online easy save online 30 day notice online loyalty saver home about us news careers