Combi Saver 'Green Edition'

Choose the perfect combination

with this exciting new account


The Combi Saver 'Green Edition' Issue 2 is a structured deposit account that allows you to benefit from an attractive rate on your short term savings and take advantage of the potential growth in emerging 'Green' business sectors on your long term savings.

The Combi Saver is made up of two elements: a Special Instant Access Savings Account paying a guaranteed AER equal to 2% above Base Rate and a Fixed Term Deposit with interest upon maturity linked to the performance of the RBS Green Index (the Index).

You can access your funds in the Special Instant Access Savings Account whenever you want and you are safe in the knowledge that funds held in the Fixed Term Deposit are fully protected as long as the account is held until maturity.

Key features

The first element - a Special Instant Access Savings Account

  • Earn a guaranteed AER equal to 2% above Base Rate in the first year on balances up to the equivalent amount you choose to invest in the Fixed Term Deposit
  • On balances over the chosen amount in the Fixed Term Deposit earn a guaranteed AER equal to 0.50% below Base Rate
  • You'll also receive this guaranteed rate on the entire balance for the rest of the term once the higher rate has ended
  • Manage this account online, over the telephone or at any Royal Bank of Scotland branch

The second element - a Fixed Term Deposit

  • Save between £5,000 and £25,000 per Fixed Term Deposit
  • 3 year fixed term
  • 90% of any growth in the RBS Green Index will be received as interest upon maturity
  • Original capital is protected as long as the Fixed Term Deposit is held until maturity

Key dates
Available until:10 December 2008
Start date:22 December 2008
Expiry date:22 December 2011
Maturity payment date:28 December 2011

The Combi Saver ‘Green Edition’ is subject to availability and may close early if fully subscribed


Summary Box - Key Information for our Savings Accounts
Account NameFixed Term DepositSpecial Instant Access Savings Account
Interest Rate (AERs)Linked to % of growth in the RBS Green Index (see above)See current interest rates
Tax StatusInterest is paid after the deduction of 20% tax. Balances of £50k or more will have interest paid gross.Interest is paid after the deduction of 20% tax.
Conditions for bonus paymentNot applicableNot applicable
Withdrawal arrangementsWithdrawals are not permittedInstant access
AccessNot ApplicableBranch, Telephone or Internet

Please read brochure (PDF, 541KB) (PDF 541KB) and terms and conditions (PDF, 162KB) (PDF 162KB) for more information.

Gross is the interest rate paid before the deduction of tax. Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.

How to apply

Please contact your Relationship Manager or call Private Banking 24/7 on
0845 30 30 600
Minicom 0845 900 5961

Max call charge from a BT line is 4p per minute. Calls from other networks may vary. Calls may be recorded.

If you are not an existing customer but are interested in this product, please call us on 0800 051 9955.

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Special Instant Access Savings Account** (Quarterly Interest)


Gross Rate %
(variable)		AER %
(variable)		Net Rate %
(variable)
On balance up to the same amount invested in the Fixed Term Deposit in the first year
6.35
6.50
5.08
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first year
3.94
4.00
3.15

With effect from 27 October 2008

**This is the instant access element opened alongside a 3 year Fixed Term Deposit as part of the Combi Saver ‘Green Edition’ Issue 2 product. Combi Saver ‘Green Edition’ is only available periodically to Private Banking customers and those we invite to open the account. The fixed term commences 22 December 2008.

Previous Rates

Combi Saver Green Edition Issue 1

Special Instant Access Savings Account** (Quarterly Interest)


Gross Rate %
(variable)		AER %
(variable)		Net Rate %
(variable)
On balance up to the same amount invested in the Fixed Term Deposit in the first year
7.30
7.50
5.84
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first year
3.94
4.00
3.15

With effect from 8 October 2008

**This is the instant access element opened alongside a 3.5 year Fixed Term Deposit as part of the Combi Saver ‘Green Edition’ product. Combi Saver ‘Green Edition’ is only available periodically to Private Banking customers and those we invite to open the account. The fixed term commences 3 October 2008.

Special Instant Access Savings Account** (Quarterly Interest)


Gross Rate %
(variable)		AER %
(variable)		Net Rate %
(variable)
On balance up to the same amount invested in the Fixed Term Deposit in the first year
7.77
8.00
6.22
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first year
4.43
4.50
3.54

With effect from 21 July 2008

**This is the instant access element opened alongside a 3.5 year Fixed Term Deposit as part of the Combi Saver ‘Green Edition’ product. Combi Saver ‘Green Edition’ is only available periodically to Private Banking customers and those we invite to open the account. The fixed term commences 3 October 2008.

New customers will be asked to provide proof of identity including verification of address.

System updates will mean that our internet and telephone banking services are unavailable for short periods in the early hours of the morning.

The Financial Services Compensation Scheme, set up under the Financial Services and Markets Act 2000, covers your account. For money held in a bank or building society in the UK the scheme will cover up to £50,000 of your claim. Most people who make deposits, including individuals and small firms, are covered. Deposits in all currencies are treated the same. For more information on the conditions of the scheme, please contact the FSCS at www.fscs.org.uk.

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