4.70

4.70

• Interest is paid annually on 31st December and on maturity and will be added to the account balance
• This is a five year fixed term, variable rate, monthly subscription account

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.

This projection is provided for illustrative purposes only. It is based on the maximum monthly subscription of £100 being made for the full term of 5 years, that no withdrawals are made and interest being added to the account. The projected balance is based on the annual interest rate.

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 of the Instant Access Shares.

• This account is available to UK residents age 0-16 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
• If the applicant is under 7 years of age we will ask for the application form to be signed by a parent, guardian or trustee (one trustee per account permitted)
• Minimum investment £5
• The monthly subscription is any amount between £5 to £100 for 60 months, the monthly subscription can be any amount from £5 up to the maximum. You are not required to make monthly subscriptions however, if a monthly subscription is missed this cannot be caught up in subsequent months
• 5 year fixed term savings
• One account per child
• 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

• 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 Junior Affinity Regular Saver which supports Greener Every Day (GED) with Penrith Building Society, you can be a part of this worthwhile initiative without it costing you a penny. Penrith Building Society will make a cash payment each year to GED equal to 0.50% gross interest on the average total balance held in all Junior Affinity Regular Saver Accounts that support GED. This means the more supporters who save in the scheme, the bigger the cash payment will be to GED.

4.70

4.70

• Interest is paid annually on 31st December and on maturity and will be added to the account balance
• This is a five year fixed term, variable rate, monthly subscription account

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.

This projection is provided for illustrative purposes only. It is based on the maximum monthly subscription of £100 being made for the full term of 5 years, that no withdrawals are made and interest being added to the account. The projected balance is based on the annual interest rate.

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 of the Instant Access Shares.

• This account is available to UK residents age 0-16 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
• If the applicant is under 7 years of age we will ask for the application form to be signed by a parent, guardian or trustee (one trustee per account permitted)
• Minimum investment £5
• The monthly subscription is any amount between £5 to £100 for 60 months, the monthly subscription can be any amount from £5 up to the maximum. You are not required to make monthly subscriptions however, if a monthly subscription is missed this cannot be caught up in subsequent months
• 5 year fixed term savings
• One account per child
• 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

• 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 Junior Affinity Regular Saver which supports Penrith RUFC Juniors (PRUFC Juniors) with Penrith Building Society, you can be a part of this worthwhile initiative supporting PRUFC Juniors without it costing you a penny. Penrith Building Society will make a cash payment each year to PRUFC Juniors equal to 0.50% gross interest on the average total balance held in all Junior Affinity Regular Saver Accounts that support PRUFC Juniors. This means the more supporters who save in the scheme, the bigger the cash payment will be to PRUFC Juniors.

4.70

4.70

• Interest is paid annually on 31st December and on maturity and will be added to the account balance
• This is a five year fixed term, variable rate, monthly subscription account

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.

This projection is provided for illustrative purposes only. It is based on the maximum monthly subscription of £100 being made for the full term of 5 years, that no withdrawals are made and interest being added to the account. The projected balance is based on the annual interest rate.

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 of the Instant Access Shares.

• This account is available to UK residents age 0-16 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
• If the applicant is under 7 years of age we will ask for the application form to be signed by a parent, guardian or trustee (one trustee per account permitted)
• Minimum investment £5
• The monthly subscription is any amount between £5 to £100 for 60 months, the monthly subscription can be any amount from £5 up to the maximum. You are not required to make monthly subscriptions however, if a monthly subscription is missed this cannot be caught up in subsequent months
• 5 year fixed term savings
• One account per child
• 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

• 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 Junior Affinity Regular Saver which supports Penrith Red Squirrel Group (P&DRSG) with Penrith Building Society, you can be a part of this worthwhile initiative to help save the Red Squirrels without it costing you a penny. Penrith Building Society will make a cash payment each year to P&DRSG equal to 0.50% gross interest on the average total balance held in all Junior Affinity Regular Saver Accounts that support P&DRSG. This means the more supporters who save in the scheme, the bigger the cash payment will be to P&DRSG.

5.00

5.00

This is a two-year fixed term, monthly subscription account.

For further details please see section 7 of the Terms and Conditions for Savings Accounts.

This projection is provided for illustrative purposes only. It is based on the maximum monthly subscription of £200 being made for the full term of 2 years, that no withdrawals are 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 only. To open an account simply call into Penrith Building Society with identification and complete the relevant application form. Details of identification requirements can be obtained from our branch or on our website.
• Minimum investment £1.
• The maximum monthly subscription is £200 for 24 months, the monthly subscription can be any amount up to the maximum. You are not required to make monthly subscriptions however, if a monthly subscription is missed this cannot be caught up in subsequent months.
• A month means a calendar month, beginning on the first day of that calendar month and ending on    the last day of that calendar month.
• This is a two-year fixed term monthly subscription account.
• The Society’s total limit on combined savings should not exceed £250,000.
• This account in limited to one account per individual customer (joint accounts are not permitted).
• 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 an annual statement to help keep track of your savings. You will not receive a passbook for this account.
• Payments into your account can only be made in £ sterling.

• A maximum of two withdrawals per calendar year (January to December) only are permitted. Withdrawals can be made on demand during our normal business hours subject to our withdrawal limits and leaving the minimum balance of £1. The account cannot be closed prior to maturity other than in the event of death.
  On maturity, if no maturity instructions have been received, the maturing funds, including compounded interest will be transferred to an Instant Access Account.

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.