Island First Account

Current Interest Rates

Interest rates are correct as at 01 December 2008

Interest on Credit Balances (paid monthly)	% Per Annum Gross Rate*	% Per Annum AER**
£1+	1.10	1.10

Previous Interest Rates

Interest rates are from 03 November 2008

Interest on Credit Balances (paid monthly)	% Per Annum Gross Rate*	% Per Annum AER**
£1+	2.60	2.62

*GROSS RATE: The contractual rate of interest payable before deduction of income tax at the rate specified by law.

**AER - AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER - Annual Equivalent Rate - you can compare more easily what return you can expect from your savings over time.

Lloyds TSB Offshore Limited: PO Box 160, 25 New Street, St. Helier, Jersey, JE4 8RG. Registered in Jersey, number 4029. Regulated by the Jersey Financial Services Commission. We abide by the Jersey Code of Practice for Consumer Lending. The Isle of Man branch of Lloyds TSB Offshore Limited is licensed by the Isle of Man Financial Supervision Commission to conduct banking and investment business and is registered with the Insurance and Pensions Authority in respect of General Business. The Guernsey branch of Lloyds TSB Offshore Limited is licensed to conduct banking, investment and insurance business by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Bailiwick of Guernsey) Law 1987, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law 2002.

If you reside outside the UK, Channel Islands or the Isle of Man, view our important cross border regulatory information.