Please Note

Important Information
We changed the terms and conditions of our savings accounts (including our Investment Conditions) on 1 November 2009 in line with the introduction of the Payment Services Regulations and the Banking Conduct of Business Sourcebook rules. A copy of these new terms and conditions has been available on our website since 1 November 2009.
We will be making additional changes affecting online account customers:
- On 8 December 2009, primarily to improve the service we offer to you by making it possible for on-line accounts to be held in joint names.
- On 1 January 2010, when we will be making further changes to our Investment Conditions and other documentation to clarify further the meaning of the documentation and make it easier to understand.

Transferring money into your savings account. You can transfer money into your account from another bank or building society using the following details: Sort Code: 57-00-55, Account Number: 00000000, Role/Reference Number: 'Your savings account number'.

For more information about our savings accounts, take a look at our account terms brochure. For details of the variable interest rates which apply, please see the interest rates leaflet.

We may offer different products and/or similar but differently priced products through our various channels (branches, Derbyshire Direct, and the web). For details of all available products please contact us.

* AER stands for Annual Equivalent Rate which illustrates what the interest rate would be if interest was paid and compounded once each year. For the Protected Equity Bond this allows you to compare the minimum and maximum potential returns with other savings products. The gross rate of interest is the interest rate payable before any income tax is deducted (if you pay tax) and the net rate of interest is the interest payable after any income tax is deducted (if you pay tax).

** The maximum potential return is up to 50% of your original investment amount and is subject to final year averaging.