Gibraltar and Spanish Services

Gibraltar/Offshore Investment Rates and Key Features

Gibraltar/Offshore Investment Range
Rates correct at 31 January 2012

Gibraltar accounts can be opened by UK or Gibraltar passport holders who are resident in Gibraltar.
Offshore accounts can be opened by UK passport holders who are resident in Spain

Gibraltar/Offshore 1 Year Fixed Rate Bond (Issue 110) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	Gross § AER† 3.35 3.35	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2013) subject to the minimum balance being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2013). Cash Withdrawals/deposits are not permitted.	Annual: Interest is paid on maturity (28 February 2013). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £5,000 (£10,000 for joint accounts).
Minimum investment and operating balance £100. Maximum investment and operating balance £5,000 (£10,000 for joint accounts). Transfers from other accounts held with the Society are not permitted. View the Product Terms & Conditions

Gibraltar/Offshore Albion Saver Account
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£100,000+ £50,000+ £25,000+ £10,000+ £2,500+	Current Previous 2.25 2.50 1.80 2.05 1.75 2.00 1.70 1.95 1.35 1.60	Unlimited withdrawals can be made without notice or loss of interest subject to the minimum balance being maintained. Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 1 June.
Minimum investment and operating balance £2,500. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore 1 Year Fixed Rate Bond (Issue 107) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	2.50	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2013) subject to the minimum balance being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2013). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid on maturity (28 February 2013). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 1 Year Fixed Rate Bond (Issue 107) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 2.25 2.27	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2013) subject to the minimum balance being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2013). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore 2 Year Fixed Rate Bond (Issue 108) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	2.75	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2014) subject to the minimum balance being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2014). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 28 February (commencing 28 February 2013) and on maturity (28 February 2014). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 2 Year Fixed Rate Bond (Issue 108) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 2.50 2.53	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2014) subject to the minimum balance being maintained. Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2014). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore 3 Year Fixed Rate Bond (Issue 109) Annual Interest
Investment	% Gross§ p.a. /AER† (fixed)	Withdrawal Terms	Payment of Interest
£100+	3.00	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2015). Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2015). Cash withdrawals/deposits are not permitted.	Annual: Interest is paid annually on 28 February (commencing 28 February 2013) and on maturity (28 February 2015). Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank account or to another account held with the Society.

Gibraltar/Offshore 3 Year Fixed Rate Bond (Issue 109) Monthly Interest
Investment	Rate (fixed)	Withdrawal Terms	Payment of Interest
£100+	% Gross§ % AER† 2.75 2.78	Access is limited to withdrawals of up to 25% of your capital investment without notice or loss of interest prior to maturity (28 February 2015). Closure of the account or further withdrawals are not permitted until the day after maturity (1 March 2015). Cash withdrawals/deposits are not permitted.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance £100. Maximum investment and operating balance £1,000,000 (£2,000,000 for joint accounts). View the Product Terms & Conditions

Gibraltar/Offshore Flexible Freedom - Annual Interest
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£500+	Current Previous 2.00 2.25	Withdrawals can be made at any time without notice or loss of interest subject to the minimum balance being maintained.	Annual: Interest is paid annually on 1 September. Interest can either be credited to the account or transferred to another UK or Gibraltar bank / building society account or to another account held with the Society.

Gibraltar/Offshore Flexible Freedom - Monthly Interest
Investment	Current Rate (variable)	Previous Rate	Withdrawal Terms	Payment of Interest
£500+	% Gross§ % AER† 1.75 1.76	% Gross§ % AER† 2.00 2.02	Withdrawals can be made at any time without notice or loss of interest subject to the minimum balance being maintained.	Monthly: Interest is paid on the last working day of the month. Interest must be transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance £500. The maximum investment and operating balance is £1,000,000 (£2,000,000 for joint accounts). One direct pension credit must be paid into the account each month. The account is available to account holders aged 50 years and above. View the Product Terms & Conditions

Gibraltar/Offshore Dinosaver
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	Withdrawals must be made by a the authorised signatory. Unlimited withdrawals can be made as long as the £10 minimum operating balance is maintained.	Annual: Interest is paid annually on 1 January. Interest can either be credited to the account or transferred either to another UK or Gibraltar building society/bank or to another account held with the Society.
Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000. Age Qualification: 0-11 years old inclusive to open an account. On the account holders 12th birthday, the Gibraltar DinoSaver account will automatically change to the 12-17 year old account available at the time.Full terms and conditions will be provided nearer the time. View the Product Terms & Conditions

Gibraltar/Offshore Vault
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£10+	Current Previous 1.50 1.75	One withdrawal per week of up to £250 may be made by the account holder. If the account holder wishes to withdraw more than £250 or make more than one withdrawal in a week, both the account holder and the authorised signatory must sign for the withdrawal. Withdrawals are subject to the minimum balance being maintained.	Annual: Interest is paid on 1 January. Interest is credited to the account.
Minimum investment and operating balance is £10. The maximum investment and operating balance is £1,000,000. Age Qualification: 12-17 years old inclusive to open an account. On the account holders 18th birthday, we will transfer the account, including interest, to the Gibraltar Tracker Gold account. View the Product Terms & Conditions

Gibraltar/Offshore RegularSaver (Issue 2)
Investment	% Gross§ p.a. /AER† (variable)	Withdrawal Terms	Payment of Interest
£20+ per month	0.05% excluding 3% (variable) Conditional Bonus 3.05% including 3% (variable) Conditional Bonus	One withdrawal is permitted each Bonus period. If a second withdrawal is required you will not qualify for a Bonus in respect of that period.	Annual: Interest and Bonus paid annually on 1 March.
The minimum monthly payment is £20, the maximum monthly payment is £500. View the Product Terms & Conditions

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§ Gross means the rate of interest payable before the deduction of income tax at the rate specified by law. The tax treatment depends on the individual circumstances of each customer and may be subject to change in the future. † AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

Leeds Building Society is a member of the Building Societies’ Association. The Society is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000, compensation may be available if the Society cannot meet its liabilities in respect of this product, please see the Gibraltar/ Offshore General Investment Terms and Conditions for full details.

The Society’s main business is the provision of savings products, mortgages and general insurance. We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including staff training).

Leeds Building Society is authorised and regulated in the UK by the Financial Services Authority and our registration number is 164992. You can check this on the FSA Register by visiting the FSA website at www.fsa.gov.uk or by contacting the FSA on 0044 207 741 4100. The Society is authorised to conduct business in Gibraltar by the Financial Services Commission.

Other taxes or costs may exist that are not paid by Leeds Building Society.