SAVINGS CHARGES

The normal operation of your account is free. However, during the lifetime of your account, we may provide additional services for which a charge is payable to reflect the extra costs we reasonably incur.

The charges we currently apply are as follows:

• Cheque paid in and later returned unpaid: £10
• Same Day transfer of funds to your bank account (via CHAPS, Telegraphic Transfer): £25
• Lost passbook for the second and all subsequent times: £10

In addition there may be charges for other services; we will inform you of these at the time you request such a service.

All our savings accounts are FSCS protected.