+Gross Rate%

3.20

^AER%

3.20

Interest is paid annually on 31st December and will be added to the account balance

Rates are variable. This means we may increase or decrease the rates at any time. When we increase the rates we will tell you about it by placing notices in our Principal Office, on our website or in the local press within three working days of the change or within 30 days of the change, by letter or other personal notice.

Where the change is a reduction in the interest rate we will give you written notification of the change before it comes into effect.

This does not apply to:

• interest rate tiers applicable to balances below the minimum operating balance for the account (provided we have clearly told you about the minimum balance requirements); or
• fixed rate accounts

If your account has a balance of £100 or more at the time the decision is taken to change the interest rate notification will be provided either:

• at least 14 days before the rate change. You will then have a period of 30 days from the date of notification during which you may close or switch your account without having to give any period of notice or having to lose any interest or pay additional charges; or
• the notification will be provided at least 14 days plus the period of notice applicable to the account (or 30 days if longer than the notice period) before the rate change. In this case the normal notice period for making withdrawals from or closing the account will apply.

If you do not notify us that you object to a change before the date on which it comes into effect, you will be deemed to have accepted it.

The information on our website will be updated within three working days of an interest rate change.

£1032

This projection is provided for illustrative purposes only. It is based on no further deposits or withdrawals being made and interest being added to the account. The projected balance is based on the annual interest rate.

• This account is available to UK residents and can be opened in branch or by post, to open an account simply call into Penrith Building Society with identification and complete the relevant application form. Alternatively an application pack can be downloaded from our website or posted to you. Details of identification requirements can be obtained from our branch or on our website
• Minimum investment £1
• Maximum investment £20,000
• Only one account per customer held individually or jointly
• The Society’s total limit on combined savings should not exceed £250,000
• You can make payments into your account at any time by cash or cheque at our office during our normal opening hours by bank transfer or by post
• Cheques made payable to the Society will only be accepted for payment into an account if they contain details (such as the name(s) of the account holder(s) or the account number)
• You will receive a passbook to help keep track of your savings
• Payments into your account can only be made in £ sterling
• If you would like to talk to us about your account you can
  • speak to a member of staff at our branch office at 7 King Street, Penrith, Cumbria. CA11 7AR
  • Call one of our team on 01768 863675
  • Visit our website www.penrithbs.co.uk

Withdrawals can be made on demand during our normal business hours subject to our withdrawal limits and leaving the minimum balance of £1. You must produce your passbook at the time of withdrawal. You can withdraw money in the following ways:

• In person at our branch
• By written postal request

• Tax treatment depends on individual circumstances and may be subject to change in the future.
• By opening an Eden Valley Hospice & Jigsaw, Cumbria’s Children’s Hospice Affinity Account with Penrith Building Society, you can help them to continue to provide specialist care and support to local people who have life limiting conditions, without it costing you a penny. Penrith Building Society will make a cash payment each year to Eden Valley Hospice and Jigsaw, Cumbria’s Children’s Hospice equal to 0.50% gross interest on the average total balance held in all Eden Valley Hospice & Jigsaw, Cumbria’s Children’s Hospice Affinity Accounts.

+Gross Rate%

3.20

^AER%

3.20

Interest is paid annually on 31st December and will be added to the account balance

Rates are variable. This means we may increase or decrease the rates at any time. When we increase the rates we will tell you about it by placing notices in our Principal Office, on our website or in the local press within three working days of the change or within 30 days of the change, by letter or other personal notice.

Where the change is a reduction in the interest rate we will give you written notification of the change before it comes into effect.

This does not apply to:

• interest rate tiers applicable to balances below the minimum operating balance for the account (provided we have clearly told you about the minimum balance requirements); or
• fixed rate accounts

If your account has a balance of £100 or more at the time the decision is taken to change the interest rate notification will be provided either:

• at least 14 days before the rate change. You will then have a period of 30 days from the date of notification during which you may close or switch your account without having to give any period of notice or having to lose any interest or pay additional charges; or
• the notification will be provided at least 14 days plus the period of notice applicable to the account (or 30 days if longer than the notice period) before the rate change. In this case the normal notice period for making withdrawals from or closing the account will apply.

If you do not notify us that you object to a change before the date on which it comes into effect, you will be deemed to have accepted it.

The information on our website will be updated within three working days of an interest rate change.

£1032

This projection is provided for illustrative purposes only. It is based on no further deposits or withdrawals being made and interest being added to the account. The projected balance is based on the annual interest rate.

• This account is available to UK residents and can be opened in branch or by post, to open an account simply call into Penrith Building Society with identification and complete the relevant application form. Alternatively an application pack can be downloaded from our website or posted to you. Details of identification requirements can be obtained from our branch or on our website
• Minimum investment £1
• Maximum investment £20,000
• Only one account per customer held individually or jointly
• The Society’s total limit on combined savings should not exceed £250,000
• You can make payments into your account at any time by cash or cheque at our office during our normal opening hours by bank transfer or by post
• Cheques made payable to the Society will only be accepted for payment into an account if they contain details (such as the name(s) of the account holder(s) or the account number)
• You will receive a passbook to help keep track of your savings
• Payments into your account can only be made in £ sterling
• If you would like to talk to us about your account you can
  • speak to a member of staff at our branch office at 7 King Street, Penrith, Cumbria. CA11 7AR
  • Call one of our team on 01768 863675
  • Visit our website www.penrithbs.co.uk

Withdrawals can be made on demand during our normal business hours subject to our withdrawal limits and leaving the minimum balance of £1. You must produce your passbook at the time of withdrawal. You can withdraw money in the following ways:

• In person at our branch
• By written postal request

• Tax treatment depends on individual circumstances and may be subject to change in the future.
• By opening a Pride in Penrith Lottery (PIPL) Affinity Account with Penrith Building Society, you can be a part of this worthwhile initiative to make Penrith a great place to live and work without it costing you a penny. Penrith Building Society will make a cash payment each year to PIPL equal to 0.50% gross interest on the average total balance held in all PIPL Affinity Accounts. This means the more supporters who save in the scheme the bigger the cash payment will be to Pride in Penrith Lottery.

+Gross Rate%

3.20

^AER%

3.20

Interest is paid annually on 31st December and will be added to the account balance

Rates are variable. This means we may increase or decrease the rates at any time. When we increase the rates, we will tell you about it by placing notices in our Principal Office, on our website or in the local press within three working days of the change or within 30 days of the change, by letter or other personal notice.

Where the change is a reduction in the interest rate we will give you written notification of the change before it comes into effect.

This does not apply to:
interest rate tiers applicable to balances below the minimum operating balance for the account (provided we have clearly told you about the minimum balance requirements); or
fixed rate accounts

If you do not notify us that you object to a change before the date on which it comes into effect, you will be deemed to have accepted it.

The information on our website will be updated within three working days of an interest rate change.

£1032

This projection is provided for illustrative purposes only. It is based on no further deposits or withdrawals being made and interest being added to the account. The projected balance is based on the annual interest rate.

• This account is available to UK residents and can be opened in branch or by post, to open an account simply call into Penrith Building Society with identification and complete the relevant application form. Alternatively an application pack can be downloaded from our website or posted to you. Details of identification requirements can be obtained from our branch or on our website
• Minimum investment £1
• Maximum investment £20,000
• Only one account per customer held individually or jointly
• The Society’s total limit on combined savings should not exceed £250,000
• You can make payments into your account at any time by cash or cheque at our office during our normal opening hours by bank transfer or by post
• Cheques made payable to the Society will only be accepted for payment into an account if they contain details (such as the name(s) of the account holder(s) or the account number)
• You will receive a passbook to help keep track of your savings
• Payments into your account can only be made in £ sterling
• If you would like to talk to us about your account you can
  • speak to a member of staff at our branch office at 7 King Street, Penrith, Cumbria. CA11 7AR
  • Call one of our team on 01768 863675
  • Visit our website www.penrithbs.co.uk

Withdrawals can be made on demand during our normal business hours subject to our withdrawal limits and leaving the minimum balance of £1. You must produce your passbook at the time of withdrawal. You can withdraw money in the following ways:

• In person at our branch
• By written postal request

• Tax treatment depends on individual circumstances and may be subject to change in the future
  
• By opening a Sunbeams Music Trust Affinity Account with Penrith Building Society, you can help Annie and her team improve the lives of disabled children and adults through the creative freedom of music without it costing you a penny. Penrith Building Society will make a cash payment each year to Sunbeams Music Trust equal to 0.50% gross interest on the average total balance held in all Sunbeams Music Trust Affinity Accounts.
  
• This means the more supporters who save in the scheme the bigger the cash payment will be to Sunbeams Music Trust.