Kent Reliance Building Society

Voted Best Cash ISA Provider for
the third consecutive year

Voted Best Cash ISA Provider

An easy access passbook-based savings account

"earn 0.51% gross/AER"
(variable)

As at 29 June 2010



Important:	This account can only be opened and operated through our branch and agency network. Our accounts are only available to UK residents.

For an application form and/or transfer form(s) you can simply pop in to our branch or agencies

Main features of the account

	Minimum opening deposit and balance £1.
	The current maximum you can subscribe to a Cash ISA in a tax year is £5,100. This limit may be altered by the Government in the future. Transfers of previous tax year ISA subscriptions from another provider DO NOT count towards this tax year’s ISA subscription limit. Transfers of current tax year ISA subscriptions DO count towards this tax year’s ISA subscription limit.
	Existing ISA funds can be transferred from other ISA providers. Note: The time required to fully effect your transfer to KRBS will be determined by your current provider. KRBS accepts no responsibility for delays in transferring your ISA to a KRBS product.
	Minimum age 16.

	Proof of identity and address verified electronically in the first instance.
	Interest paid free of income and capital gains tax for people who live in the UK and is added to the account on 5 April each year.
	Add to your savings as and when you like (subject to HM Revenue and Customs limit).
	Take money out of your account when you need it without notice or penalty (up to £500 in cash or up to the total balance by cheque from our branch or by post - lower limits may apply at our agencies). Note: Transfers to other ISA providers will be processed within 30 days from receipt of all necessary documentation.
	The annual limit applies to the total credits to the account and not the balance. If you take funds out of your account you cannot subsequently replace them in the same tax year.

Minimum Opening Deposit £1	Tax Free Rate % p.a./AER
Annual interest	0.51

As at 29 June 2010

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 advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Tax free rate - is the stated contractual rate as the interest is exempt from income tax.