The Bradford and Bingley savings business is part of the Santander Group which has more than 150 years experience in banking.

AER stands for Annual Equivalent Rate and shows what the interest would be if we paid interest and added it to your account each year. The gross rate is the interest rate we pay before income tax is taken off. Rates may change and we pay interest each month or year.

Bradford & Bingley's retail deposit business transferred to Abbey National plc on 29 September 2008. On 11 January 2010, Abbey National plc changed its name to Santander UK plc.

ISAs are provided by Santander ISA Managers Limited, which is a wholly owned subsidiary of Santander Asset Management UK Holdings Limited. Registered in Scotland. Registered Number 151605 at 287 St Vincent Street, Glasgow G2 5NB United Kingdom. Telephone 0845 600 181. Authorised and regulated by the Financial Services Authority. FSA Registration Number 171448.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England. www.santander.co.uk. Telephone 0870 607 6000. Calls may be recorded or monitored. Authorised and regulated by the Financial Services Authority except in respect of its consumer credit products for which Santander UK plc is licensed and regulated by the Office of Fair Trading. FSA registration number 106054. Santander and the flame logo are registered trademarks.

Santander UK plc advises on mortgages, a limited range of life assurance, pension and collective investment scheme products and acts as an insurance intermediary for general insurance.