Young Saver (Up to age 22)(17010 or 27010)

The YOUNG SAVER account is OPEN for applicants aged from birth to 22 years (i.e. in their 23rd year) inclusive who are RESIDENT in SURREY or SUSSEX ONLY, or are INTRODUCED BY AN EXISTING HOLMESDALE ACCOUNT HOLDER.

A straightforward, instant access savings account designed especially for young people, benefits include:

• Accounts can be opened from as little as £10.
• A competitive variable rate of interest on the entire balance.
• Instant access to savings.
• Interest paid yearly and added to the account on 31st March.
• A passbook to keep track of how their savings are growing.
• A free gift according to age:
  

  Under 7 years - a wood savings box with secret squirrel nut lock

  7 - 17 years - a trendy Ducti © wallet

  18 - 22 years - choice of £15 gift card (see www.thegiftcardcentre.co.uk); conditions apply.

Rates from 1st February 2010 (Previous rates to 31/01/2010 are shown in brackets)

	GROSS AER	GROSS	NET
For investments of £10 to £25,000	2.35% (2.70%)	2.35% (2.70%)	1.88% (2.16%)
TERMS