Bath Building Society Saving Rates 32pp by Mark Gray

Savings Rates and Terms & Conditions 1st March 2012

From your truly local mutual Building Society

Contents

Code of Fairness

Fairness is the way we do things:

Introduction from Dick Jenkins

Our Financial Strength

Children’s Accounts

Fixed Rate Bond

Compensation Arrangements

Instant Access Accounts (see also on page 10)

A Treating customers as individuals; B Designing new products that will meet the needs of particular types of customer; C Ensuring that the right products are sold to customers; D Giving advice in accordance with customer needs, preferences and circumstances;

10 Cash ISA – Variable Rate

E Providing clear information that is comprehensive and not misleading;

10 Cash ISA – Fixed Rate 11 General ISA points

F Ensuring our terms and conditions do not give us significant advantage over our customers;

12 Postal Accounts 13 Internet Accounts

G Ensuring administration fees reflect our costs;

14 Notice Accounts 15 - 18 Share Application Form

H Managing expectations and keeping our promises;

19 Business, Charity, Professional Accounts

20 The Things You Need To Know 21 Data Protection 22 Agreement to Assign Windfalls to Charity

Honest, competent staff, taking personal responsibility for providing customers with the service they would like to receive;

J Ensuring staff targets, objectives and incentives are designed to encourage behaviour that is in our customers interest;

23 Notes 24 Identification Requirements 25 Tariff of Charges

K Maintaining professional relationships with other firms that do not compromise customer interests;

26 - 28 Closed Retail Accounts 28 Closed Business and Professional Accounts

L Engaging with customers and acting on feedback.

29 Champagne Comments 30 Standing Order Details 32 Our Branches & Agencies and contact details

Where we don’t achieve these high standards we will take complaints seriously and handle them consistently, in a timely manner after objective consideration of the facts.

1st March 2012 edition

With perfectly balanced savings and mortgage books, no exposure to complex financial dealings and sub prime lending, Bath Building Society offers an excellent home for your money in the current climate. We see all our customers as individuals rather than as numbers.

Because we are small, we don’t do things like the large financial institutions.

We always endeavour to provide our members with attractive savings rates and we regularly appear in the best buy tables.

• We don’t have call centres • You have access to the decision makers • We can offer much more flexibility in the way that we meet individual customers’ needs • We still offer personal service in a world that is becoming more impersonal. That’s why we say we’re “closer to our customers”.

So, it’s little surprise that the Society is attracting new savers and growing steadily at this time. I hope that you’ll be tempted to invest in a thriving local Society with its feet firmly on the ground and its heart in the community.

Bath Building Society can trace its origins back to 1904. Originally a Friendly Society which used members’ investments to buy property to rent, it became a Building Society in the 1950s, lending money for people in the city to buy their own homes.

As a local Building Society offering mortgages, savings and investments we are passionate about giving our members and customers something special, something they find difficult to get elsewhere.

Housed for many decades in offices in Charles Street, the Society moved its Head Office to 15 Queen Square in 2006.

Many of us have worked in larger companies and understand from personal experience the difficulties that big companies have in really giving customers the kind of service they want.

We have branches in and around Bath and in addition, a list of our agencies can be found on the back cover of this booklet. Dick Jenkins, Chief Executive.

Our financial strength - October 2011 Independent and mutual, Bath Building Society is amongst the smaller societies in Britain, with audited assets of £246m as at 31st December 2010.

currently managing over £58m of cash and other easily realisable liquid assets within its treasury department. This equates to approximately 25.9% of all of its share and deposit funding.

Size, however is not a good measure of a Society’s financial strength, and indeed, smaller Societies are showing the greatest levels of financial strength and resilience in current market conditions. Since the start of the financial crisis in 2007, Bath Building Society has made a priority of putting the safety of its customers first, and will continue to do so.

Approximately 71% of the Society’s funding comes from private individuals who save with the Society through traditional retail channels, such as via its branch and agency network. Approximately 29% of its funding comes from deposits made by small and medium sized businesses, trusts and charities. It has a very limited exposure to the wholesale money markets. The Society continues to have a level of arrears well below the level of the industry average. We continue to monitor arrears closely and work with borrowers on a one-by-one basis to find arrears solutions.

The most reliable indicators of resilience in the current market are levels of capital and liquidity. Bath Building Society has a level of audited capital that is over 113% of its current capital guidance level, as set by the FSA. The Society’s audited capital is equivalent to 179% of its current Basel 2, Pillar 1 capital requirement. The FSA’s capital guidance and the Basel 2 requirements are set to maintain the solvency of deposit takers such as banks and building societies.

As is common with most deposit takers, all of the Society’s share and deposit investors are protected by the Financial Services Compensation Scheme under the standard rules of that scheme.

The Society is directly regulated by the FSA and it holds FSA permissions to take deposits and give advice on regulated mortgages. It is regulated under exactly the same compliance regime as larger societies. Its external auditors are Deloitte & Touche LLP and it outsources its internal audit requirements to Mutual One Limited, a subsidiary company of the Skipton Building Society.

In summary, Bath Building Society is a well regulated, well managed and well capitalised mutual organisation that has provided a secure home for its members’ savings for over 100 years.

It is a feature of the building society sector that only the top 10 or so societies have formal credit ratings. As such Bath Building Society does not have such a rating. Under the FSA’s regulatory regime, it does however have to hold a significant percentage of the total monies invested by its customers as liquid cash at all times. For example, it is

Bath Building Society,

Contact: Kevin Gray, Deputy Chief Executive, 15 Queen Square, Bath, BA1 2HN Telephone: 01225 423271 Bath Investment and Building Society is authorised and regulated by the Financial Services Authority (registration number 206026) Version: S11

Futurebuilder Building foundations for their future

A childrenâ&#x20AC;&#x2122;s savings account that mum, dad, grandparents, uncles, aunties, family, friends & the child can pay into

5.0 on the first %* GROSS

AER

ÂŁ500

* for full details refer to page 6 Head Office: 15 Queen Square, Bath, BA1 2HN *Telephone: refer to page 601225 423271

Email: bsoc@bibs.co.uk

Bath Investment and Building Society is authorised and regulated by the Financial Services Authority. Financial services reg no. 206026

www.bathbuildingsociety.co.uk savings poster 004v2

Children’s Accounts Account name

Futurebuilder

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross%

AER%

Net%

£1 to £500.00

5.00

(5.00)

4.00

£500.01 to £15.000.00

1.10

(1.10)

0.88

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment Withdrawal arrangements

Not applicable

Access

Post/branch/agency/introducers

• Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/ agency signing limits • All withdrawals must benefit the child. Our staff will ask for proof that the funds are being withdrawn for this reason if it is not obvious from the transaction. Please do not be offended if you are asked to prove the purpose of any withdrawal. Please note that in some circumstances the Society may refuse to complete a transaction if we are unsure if the funds are being used for the benefit of the child • An adult must operate the account for children under seven • For children aged seven or over, instructions can be given for either the child and / or the parent or guardian to sign. Please read “Some hints to help you complete the application form for a Futurebuilder" below • Withdrawal by postal request, the cheque must be payable to the child.

• Minimum opening balance £1 • Minimum operating balance is £1 • Maximum balance £15,000 • Interest is calculated daily and capitalised annually on 31st December • 5% payable on the first £500, anything above this balance level is payable at 1.10% • Only one Futurebuilder account can be held by each child • On reaching the age of 18 the account automatically transfers into a Lifestyle Instant Account • An AER for account balances in excess of £500 is available upon request • Please note: our Futurebuilder account is currently restricted to the following areas; Wiltshire, Somerset, Gloucestershire, Dorset, Bristol and Bath & North East Somerset. This applies to all applicants.

Some hints to help you complete the application form for a Futurebuilder • Applicant 1 (the child) The ‘owner beneficiary’ for any Futurebuilder account will always be Applicant 1 (the child). The proceeds within the account belong to and are for the sole benefit of the child (Owner & Beneficiary) for any Futurebuilder account. The application form should be completed with the child’s details in the Applicant 1 part of the form only. If the child is to sign for their own withdrawals (they must be aged seven or over to do this) they must sign as Applicant 1.

• Applicant 2 (3 & 4 where applicable) Will be classed as the signatory on the account for children under seven. Additional signatories (and therefore additional applicants) are optional for children aged seven up to the age of eighteen. Additional signatories have no ownership rights to the funds within the account. Additional signatories should complete Applicant 2 section of the application form. Further signatories should complete an Additional Customer Details Share Application Form, which is available upon request.

• Bank account details The only bank account where withdrawals can be transferred will be one belonging to Applicant 1. All other bank account details provided by Applicant 2 will only be used in support of the application. • Identification Please see our Identification Requirement section on page 24 of this booklet, but please note that both the child and any signatory on the account must be identified.

Fixed Rate Bonds Account name

Fixed Rate Bond Issue 11

Interest rates (AER)

Fixed Rate This rate is fixed for 12 months from the date of the opening of the account. Interest Tier

Gross% Annual/Monthly

AER%

Net% Annual/Monthly

£1+

2.80 / 2.76

(2.80)

2.24 /2.21

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

• No access before maturity

Access

Email/post/branch/agency/introducers

• Minimum opening balance £1 • Minimum operating balance is £1 • Maximum balance £250,000 (sole or joint account) • Interest is calculated on a daily basis and will be capitalised 12 months from date of opening, or, if monthly, will be paid to your nominated designated UK bank account or paid into another BIBS account, at month end • No additional funds are accepted into the account after initial deposit • Only one Fixed Rate Bond Issue 11 can be opened per customer • Upon maturity the funds are transferred into a Lifestyle Instant account, unless instructed otherwise. Notice of maturity will be sent out in the month preceding maturity • Please note that this product is a limited issue and can be withdrawn at any time without notice. Applications which have not been received at the time of withdrawal will not be processed.

Compensation Arrangements We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society is unable to meet its financial obligations. Most depositors, including most individuals and small businesses, are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to £85k. For joint accounts, each account holder is treated as having a claim in respect of their share. So, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85k each (making a total of £170k). The £85k limit relates to the combined amount in all the eligible depositor’s accounts with the building society; including their share of any joint account, and not to each separate account.

For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, or refer to the FSCS website www.FSCS.org.uk

Instant Access Accounts Account name

Lifestyle Instant

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross%

AER%

Net%

£100,000+ £50,000+ £20,000+ £10,000+ £5,000+ £1,000+ £1+

0.65 0.55 0.45 0.35 0.25 0.25 0.10

(0.65) (0.55) (0.45) (0.35) (0.25) (0.25) (0.10)

0.52 0.44 0.36 0.28 0.20 0.20 0.08

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment Withdrawal arrangements

Not applicable

Access

Email/post/branch/agency/introducers

• Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/agency signing limits • Transferred to a designated UK bank account • Instant access

• Minimum opening balance £1 • Minimum operating balance is £1 • Maximum balance £250,000 sole or £500,000 joint • Interest is calculated daily and capitalised annually on 31st December • Interest can be paid to your designated UK bank account, compounded or paid into another BIBS account • Interest is tiered and varies according to the balance maintained. Account name

Premier Instant

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross%

AER%

Net%

£1+

2.35

(2.35)

1.88

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/agency signing limits • Transferred to a UK designated bank account • Instant access

Access

Branch/agency

• Minimum opening balance £1 • Minimum operating balance is £1 • Maximum balance £20,000 (sole or joint account) • Interest is calculated on a daily basis and will be capitalised on maturity (end of 12 months) thereafter annually on the 31st December • Upon maturity, the account matures into a Lifestyle Instant account, where interest is capitalised on the 31st December annually, unless instructed otherwise. Notice of maturity will be sent out in the month preceding maturity • Interest can be paid directly to your designated UK bank account, compounded or paid into another BIBS account • Please note that this product is a limited issue and can be withdrawn at any time without notice, applications which have not been received at the time of withdrawal will not be processed • Transfers from existing BIBS accounts are not allowed. All deposits should be from other financial institutions • Any cash/cheque deposits into the account must be paid via branch or agency • One account per member • Applicants must be aged 16 or over.

r ie n n u s y a d r Make you * with our 2.35% t n u o c c A t n a t s n I r Premie refer to page

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Tax Free Accounts Please request an ISA application form if you wish to open a Cash ISA. This is available from any Branch, Agency, via email (investments@bibs.co.uk) or by telephone 01225 423271 Account name

Cash ISA

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Tax Free%

£1+

1.45

Tax Status

Tax Free

Conditions for bonus payment

Not applicable

Withdrawal arrangements

Access

Email/post/branch/agency/introducers

• Minimum opening balance £1 • Minimum operating balance is £1 • Interest is calculated daily and capitalised annually on 31st December • Interest can be paid to your designated UK bank account, compounded or paid into another BIBS account. Account name

Premier Cash ISA Issue 4

Interest rates (AER)

Fixed Rate This rate is fixed until 5th April 2012 Interest Tier

Tax Free%

£1+

2.70

Tax Status

Tax Free

Conditions for bonus payment

Not applicable

Withdrawal arrangements

• Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/agency signing limits • Transferred to a designated UK bank account • 90 days gross interest on all withdrawals prior to the 6th April 2012

Access

Email/post/branch/agency/introducers

• Minimum opening balance £1 • Minimum operating balance is £1 • Interest rates fixed to 5th April 2012. Account holders will be written to prior to the 5th April 2012, in the absence of alternative instructions the account will automatically transfer into a variable rate Cash ISA at close of business on the 5th April 2012 • Interest is calculated daily and capitalised annually on the 5th April 2012 • Interest can be paid to your designated UK bank account, compounded or paid into another BIBS account • Transfers in from other providers will be accepted at time of opening the account only • A charge equivalent to 90 days loss of gross interest on all withdrawals • In the event of the Society withdrawing this issue, the current fiscal year's contributions can continue to be invested. The General ISA points on page 11 should be read in conjunction with this page.

General ISA points • There are two types of ISA; a Cash ISA and a Stocks & Shares ISA. • In the June 2010 Budget, the Government confirmed that from 6 April 2011 the annual Individual Savings Account (ISA) subscription limits would increase in line with the Retail Prices Index (RPI). Indexation of the ISA limits will take effect on and after 6 April of each year. The new annual limits will be rounded to the nearest multiple of 120, so that individuals who save monthly will be able to calculate their monthly savings more easily. • The new limit is calculated by reference to RPI figure for the September before the start of the new tax year. So, the 2012-13 limits (suitably rounded) will be an overall ISA subscription limit of £11,280 of which up to £5,640 can be subscribed to a Cash ISA. • You can only subscribe to one Cash ISA and one Stocks & Shares ISA in any tax year. • Stakeholder products meet Government

standards on charging, access and terms. Our ISAs are not Stakeholder products they do not track the Bank of England Base Rate. Stakeholder products are not necessarily better. • Joint accounts are not allowed. • Beneficial ownership may not be assigned or transferred to another person or used as security for a loan. ISA accounts must be closed on death. Tax will be paid from date of death to closure. • You must be over 16 years old and resident in the UK or a crown employee serving overseas or married, or the civil partner of such a person. • ISAs are tax efficient. You do not have to pay income tax on interest earned. • There is no guarantee that the Government will maintain favourable tax treatment.

Key Features of a Junior ISA effective from 6th April 2012 for managing it and will be known as the “registered contact”

Junior ISAs are long term, tax free savings accounts for children up to the age of 18

A Junior ISA can be opened by a parent or legal Only one Junior ISA can be held by a customer at any time, and all funds must be guardian aged 16 or over for a child under 16 held with one Junior ISA provider only. that is a UK resident The money saved in a Junior ISA belongs to the Customers between the ages of 16 and 18 can only contribute to their Junior ISA or child and cannot be taken out until the child is general ISA in any financial tax year. aged 18 A Junior ISA will be in the child's name, but the person who opens the account is responsible

Your child cannot have a Junior ISA if they already have a Child Trust Fund account.

Postal Accounts Although it is possible to open a Postal Account through our branch network, once opened the account cannot be operated through our branch or agency network. Account name

Direct 60 (Issue 5)

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross% Monthly

AER%

Net% Monthly

£1+

2.57 1st 12 months from date of opening

(2.60)

2.06 1st 12 months from date of opening

1.44 thereafter in a Direct Saver

(1.45)

1.44 thereafter in a Direct Saver

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

• A charge equivalent to 60 days gross interest on all withdrawals if 60 days notice is not given. This charge may be taken from the capital investment • Minimum withdrawal £250 - by cheque payable to the account holder or transferred to the designated UK bank account.

Access

Post/email

• Minimum opening balance £2,500 • Minimum operating balance is £1 • Maximum balance £250,000 • Interest is calculated on a daily basis and will be credited monthly to the account, on the last day of the month • Interest can be paid direct to a designated UK bank account, compounded or transferred to another BIBS account • Only 1 Direct 60 (Issue 5) can be opened by any individual during their lifetime • Applicants must be aged 18 or over. Account name

Direct Saver

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross% Annual/Monthly

AER%

Net% Annual/Monthly

£1+

1.45 / 1.44

(1.45)

1.16 / 1.15

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

Minimum withdrawal £250 - by cheque payable to the account holder or transferred to the designated UK bank account.

Access

Post/email

• Minimum opening balance £2,500 • Minimum operating balance is £1 • Maximum balance £250,000 sole or £500,000 joint • Interest is calculated daily, and capitalised annually on the 31st December or if paid monthly, paid at month end • Interest can be paid directly to a designated UK bank account, compounded or transferred to another BIBS account • Applicants must be aged 18 or over • The Direct issues and Direct Saver accounts are limited issues and can be withdrawn at any time.

Relax & save with our new E-Saver account

Available online only please visit our website

Notice Accounts Account name

Lifestyle 30

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross%

AER%

Net%

£1+

0.55

(0.55)

0.44

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

• A charge equivalent to 30 days loss of gross interest on withdrawals if 30 days notice is not given. This charge may be taken from the capital invested • Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/agency signing limits • Transferred to a designated UK bank account.

Access

Branch/agency/post/email/introducers

• Minimum opening balance £1,000 • Minimum operating balance is £1 • Maximum balance £250,000 sole or £500,000 joint • Interest is calculated daily and capitalised annually on 31st December • Interest can be paid to your designated bank account, compounded or paid into another BIBS account.

Account name

Lifestyle 60

Interest rates (AER)

Variable Rate This is a variable rate account. Rates quoted are correct at the date of publication. Interest Tier

Gross%

AER%

Net%

£1+

1.25

(1.25)

1.00

Tax Status

Interest is paid net unless a gross registration form has been registered

Conditions for bonus payment

Not applicable

Withdrawal arrangements

• A charge equivalent to 60 days loss of gross interest on withdrawals if 60 days notice is not given. This charge may be taken from the capital invested • Maximum cash withdrawal on demand £500 per day • Maximum cheque withdrawal on demand is subject to branch/agency signing limits • Transferred to a designated UK bank account.

Access

Branch/agency/post/email/introducers

• Minimum opening balance £5,000 • Minimum operating balance is £1 • Maximum balance £250,000 sole or £500,000 joint • Interest can be paid to your designated UK bank account, compounded or paid into another BIBS account • Interest is calculated daily and capitalised annually on 31st December.

Your Bath Building Society Share Account Please note: a separate application form is required for a Cash ISA or Deposit Account Please specify the account you wish to open e.g. Lifestyle Instant

For office use: Account number

Applicant 1 Title Forename(s) Surname

Daytime Tel.

Evening Tel.

Mobile Tel. Email address Preferred contact method (Please tick)

Daytime Tel.

Evening Tel.

Mobile Tel.

Date of Birth

NI number

Nationality

Marital Status

Employment status Occupation Current address

Number of years at current address

(if less than 2 years, please also include previous address)

Account correspondence address (if different from current address)

Write

Applicant 2 Title Forename(s) Surname Evening Tel. Daytime Tel. Mobile Tel. Email address

Date of Birth

NI number

Nationality

Marital Status

Employment status Occupation Current address

Number of years at current address

(if less than 2 years, please also include previous address)

Please note: correspondence will only go to the address specified in Applicant 1 or to the Account correspondence address, if different. ID will be required for all current addresses.

The use of your Account Average value of monthly transactions Less than £1,000

(Tick as appropriate)

£1,000 - £5,000

Frequency of transactions Fewer than 25 a month

more than £5,000

(Tick as appropriate) 25-50 a month

more than 50 a month

Withdrawal Instructions and Account Changes I/we agree that all or part of the money including the account closure and any account amendments may be completed on receipt of (please specify) Any signatory

All signatories

A specified proportion of signatories (e.g. 2 of 3)

Bank details Sort code

Account number

Name of bank

Name of account holder

Interest

I/we wish the interest to be paid

Annually or

Monthly (where applicable)

Compounded to account Paid to above bank account Transferred to another BIBS account (please state account number in box)

Payment of withdrawals Option 1:

Transferred to another BIBS account (please state account number in box)

Option 2:

Transferred to the above UK bank account For details, please see "The things you need to know" on page 20 (Please note: payments transferred to your bank account via option 2 will show in your nominated account more quickly (as cleared funds) and we believe this to be a safer way to withdraw funds from your account. We cannot be held liable for any loss of interest on cheques that are lost in the post through no fault of the Society).

Postal and email cheque withdrawals requested will be posted to the correspondence address registered on the account via 2nd class post.

Email instructions If you have provided your email address when completing this application form, we will be able to accept withdrawal requests (please see Access on account). These withdrawals will only be transferred to your designated UK bank account unless otherwise instructed. Please note: your passbook will be updated the next time it is presented to the Society. Transactions are based on the balance held on the account, not on the balance shown in the passbook.

We will not share any information about you and your account outside The Bath Building Society Group for marketing purposes. If you do not wish to receive marketing information please tick this box. Introduced clients only

I authorise you to provide my Financial Advisor with any information required in respect of my accounts with the Society

If you agree, please complete your financial advisor's details:

Declaration By signing below, I/we have read and agree to the Assign Windfalls to Charity section and the Data Protection Declaration section of the Savings Rates & Terms and Conditions leaflet that this application form came from. I/We also accept the terms and conditions for this account and agree to be bound by the Societyâ&#x20AC;&#x2122;s Rules (copies provided upon request) and Share and Deposit Account General Terms and Conditions (copy provided). The Society has not provided me/us with advice in relation to my/our choice of account but has provided information relating to its whole retail range, I/we have made a choice relating to my/our personal circumstances. Applicant 1

Applicant 2

Signature

Print name

Date

For office use only: Issued by

Date

Day opened

Branch / Agency

Staff Account Welcome letter sent

Yes / No

Opened by Checked by

Business, Charity and Professional Accounts For further information on all accounts shown in this range, please contact Mark Wiltshaw or Noel Broomfield on 01225 423271 or email markwiltshaw@bibs.co.uk / noel@bibs.co.uk Business Direct Aimed at all types of business or charities wanting a postal deposit account.

Gross% Annual / Monthly

AER%

Net% Annual / Monthly

Minimum Opening Balance £2,500

1.05 / 1.04

(1.05)

0.84 / 0.84

Business Direct 30 Aimed at all types of business or charities wanting a postal deposit account who can give 30 days notice on withdrawals.

Gross% Annual / Monthly

AER%

Net% Annual / Monthly

Minimum Opening Balance £2,500

1.30 / 1.29

(1.30)

1.04 / 1.03

Company Deposit This account is aimed at all types of business clients, providing access to funds through the Society’s branches and agency network.

Gross% Annual

AER%

Net% Annual

Minimum Opening Balance £1

0.20

(0.20)

0.16

Introducer Bond 2 A postal deposit account which can be used by private individuals or business client.

Gross% Annual / Monthly

AER%

Net% Annual / Monthly

Minimum Opening Balance £1

1.05 / 1.04

(1.05)

0.84 / 0.84

Trust and Trust 60 Dedicated accounts specificially for Trusts. Available for most types of UK based Trusts.

Gross% Annual

AER%

Net% Annual 0.60

Minimum Opening Balance £1

0.75

(0.75)

Pension Deposit Aimed for the cash deposit element of SIPP or pension schemes.

Gross% Annual / Monthly

AER%

£250,000 £50,000 £1

1.10 / 1.09 0.95 / 0.95 0.85 / 0.85

(1.10) (0.95) (0.85)

Pension 90 Plus Aimed for the cash deposit element of SIPP or pension schemes.

Gross% Annual / Monthly

AER%

Minimum Opening Balance £1

1.35 / 1.34

(1.35)

Pension Direct 6 month - Fixed Rate Bond For SIPP investments only.

Gross% Annual

AER%

Minimum Opening Balance £10,000

2.05

(2.05)

Pension Direct 12 month - Fixed Rate Bond For SIPP investments only.

Gross% Annual

AER%

Minimum Opening Balance £10,000

2.40

(2.40)

Bath Property Letting Landlords Account, available only for clients of Bath Property Letting.

Gross% Annual

AER%

Net%

Minimum Opening Balance £1

2.60

(2.60)

2.08

The things you need to know • Share account customers will have membership rights and will be subject to Society rules. In joint accounts, the first named customer only will have the membership rights. • All accounts are available in joint names except ISAs and children's accounts. • Share accounts are only available to individuals and not corporate entities. • We do not charge for standard account services or the running of your account. • The application form must be fully completed, signed and submitted to us with any relevant documentation and opening deposit. We reserve the right to return any application forms and associated documents if the form does not meet our requirements. If a product is subsequently withdrawn, the Society is not obliged to honour the original application. • AER stands for Annual Equivalent Rate. It illustrates what the interest rate would be if interest was paid and compounded once a year. Every advertisement for a savings product which quotes an interest rate will contain an AER, to which you will be able to compare more easily what return you can expect from your savings over time. • Gross Rate is the contractual rate of interest payable before the deduction of income tax. Net Rate is the rate of interest which would be payable after allowing for the deduction of income tax at the specified rate, currently 20%. • If we change our interest rates we will advertise the changes in our Branches, Agencies and on our Website. • The tax treatment or rate of interest payable depends on the individual circumstances of each customer and may be subject to change in the future. • If you open a new account and then change your mind, as long as you tell us (by writing to us at our Head Office) within 14 days after the contract is entered into, then you can have your money back or switch account without giving notice, losing any interest or paying any other charges. This does not apply to Fixed Rate accounts. • All accounts, except ISAs, are not tax efficient unless the appropriate Inland Revenue form is completed. • If a cheque drawn from an account with the Society needs to be stopped, the Society will require this request to be confirmed in writing. A charge will also be made for stopping the cheque. See the Tariff of Charges on page 25. • From 1st January 2012, the Society will be processing bank payments using the faster payments system (Next day faster payments and Same day faster payments). There will be no charge for Next day faster payments. However, the maximum transaction will be limited to £100,000. For details of Same day faster payments and charges, please see Tariff of Charges on page 25. Payments by telegraphic transfer (CHAPS) can also be arranged. CHAPS payments will be cleared funds in your bank account within 24 hours. A charge will be made for CHAPS payments. See our Tariff of Charges. Please be aware that the Society cannot be held responsible for any delay in the receipt of funds in the event of circumstances arising, which are beyond our control. • Requests for faster payments to banks must be received before 3.30pm to be processed the same working day. Requests received after 3.30pm will be processed by the Society on the next full business day. • The Society has a complaints handling procedure. Any complaint which we cannot settle after the procedure has been followed may be referred to the Financial Ombudsman Service. Further information on our internal complaints procedure is contained within the ‘We’re here to listen’ leaflet available on demand from our Head Office, Branches or Agencies. • We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a Building Society is unable to meet its financial obligations. Most depositors including most individuals and small businesses are covered by the scheme. The new deposit compensation limit is £85,000 per person per authorised firm. • Any changes to your account should be notified in writing with the signatures of all parties, where required. The Society cannot accept email instructions to change important customer information. Please ask one of the Society’s staff if you need to change any details on your account.

Data Protection Declaration In signing the application form, I understand that: • The personal information that I have given and give during the normal operation of my account will be retained by Bath Building Society on computer and other records • You will not share any information about me and/or my account outside the Society Group for marketing purposes • If I do not want to receive marketing information from you, I can tick the relevant box on the application form • I have the right to receive a copy of the information you hold about me if I apply to you in writing. A fee will be payable (please see Tariff of Charges on page 25) • I also understand that my personal information and account details may be: • Used to open my account; provide the services I request; deal with enquiries I make or authorise to be made and contact me regarding my account; • Used for market research purposes, developing products and services, statistical business analysis, and creating and maintaining a customer profile; • Disclosed to appropriate regulatory authorities (including regulators of voluntary codes of practice), auditors, any other body having legal right to the information or anyone I appoint to administer or operate my account; • Disclosed to third party processors to transmit and collect money, investigate complaints, distribute statements and rate change notices, resolve IT issues, develop and test new software and for auditing purposes; • Used to check my identity to ensure Bath Building Society meets money laundering regulations; • Used to make a search with a credit reference agency that will supply Bath Building Society with information, including information from the Electoral Register, for the purpose of verifying my identity and address. The agencies will record details of the search whether or not my application proceeds. The searches will not be seen or used by lenders to assess my ability to obtain credit. Scoring methods may be used to assess my application and to verify my identity. Credit searches and other information that is provided to us and/or the credit reference agencies, about me and anyone with whom I am linked financially may be used by Bath Building Society and other companies if I, or other members of my household, apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the prevention of money laundering as well as management of my account. Further checks of this type may be carried out throughout the course of my account. • Used to identify and tell me (by telephone, post or other electronic media) about any products and services that you think might be beneficial to me.

Agreement to Assign Windfalls to Charity 1.

Paragraphs 2-6 below will apply to me unless I am an exempt customer at the time when the account is opened.

I agree with the Society that, if the right to any windfall benefits is granted to me after the account is opened, I will assign those windfall benefits to the selected charity unless the period between my account being opened and the conversion announcement date is more than 5 years (or, if applicable, the shorter period).

I authorise the Society and the successor to pass any windfall benefits directly to the selected charity (or to any other charity which the selected charity may nominate to receive those benefits), without notice to me.

I understand that: a) the Society has promised to transfer to the selected charity the benefit of the agreement which I have given under paragraph 2, above; b) neither the Society nor the selected charity will release me from that agreement; and c) any power of the Society to change the terms of its contract with me will not apply to any of the terms set out in this section of the application form.

I authorise the Society to give the selected charity any information about me and any account I have with the Society (now or in the future) - but only if the selected charity reasonably needs it regarding the agreement I have given under paragraph 2, above.

I understand that the Society will require anyone who opens a share account (who is not then an exempt customer) to agree to assign to charity the right to any windfall benefits to which that person may become entitled. The terms of the agreement will be decided by the Society and may be different from the terms in paragraphs 1-5 above. This paragraph will no longer apply if the Society publishes a notice in the press of a decision by the Society that it will no longer require new shareholding members to enter into such agreement.

Notes A.

By completing this application form you are applying for a Share account with the Society.

The conversion announcement date means the date on which the Society makes a public announcement of a proposal to transfer its business to a successor.

You are an exempt customer when you open the account if: i) you have had share accounts with the Society on, and at all times since, 29th February 2000; or ii) you have already entered into an agreement with the Society binding you to the current terms and have continued to hold shares in the Society at all times since the account for which you were then applying was opened; or iii) you belong, in respect of the account to one of the groups of other people who, in the Societyâ&#x20AC;&#x2122;s opinion, do not need to be asked to agree to the current terms. A list of these groups is available from the Society at any time. The Society may alter the number and composition of the groups from time to time, but no alteration will apply retrospectively.

A person opens an account either by opening a new account or by having an existing account transferred into his or her name (whether as a sole or joint holder).

The selected charity means the Charities Aid Foundation or, if it is at any time no longer a registered charity, any other charity or charities selected by it to receive assignments of windfall benefits.

A shorter period is applicable if, when the Society opens your account, you belong to one of the groups of people who, in the Societyâ&#x20AC;&#x2122;s opinion, do not need to be asked to agree the usual 5 year period. A list of these groups, stating the period applicable to them, is available from the Society at any time. The Society may alter the number and composition of the groups and periods applicable to them from time to time, but no alteration will apply retrospectively.

The successor is any company or other corporate body to which the Society transfers its business under section 97 of the Building Societies Act 1986 or under any provision that amends or replaces it.

A windfall benefit is a benefit which a person has the right to receive as a shareholding member of the Society, under the terms of any future transfer of the Societyâ&#x20AC;&#x2122;s business to a successor (i.e. on conversion or takeover), other than a) the replacement of savings in a share account with the Society with savings in a deposit account with the successor, or b) any benefit which the Society has decided may be kept by a person in respect of some or all of his/her accounts. A list setting out the conditions that determine whether, and to what extent, any benefit may be kept is available from the Society at any time. These conditions may be altered by the Society from time to time, but no alteration will apply retrospectively.

Where more than one of you is signing this form, paragraph 1 and (if applicable) paragraphs 2-6 on the Agreement to Assign Windfalls to Charity section, apply to each of you separately.

If the Society no longer exists following a merger with another building society, paragraphs 2 to 6 above, will still apply between you and the other society.

These conditions are governed by the Laws of England and Wales.

All communications between you and us will be in English unless we specifically agree otherwise.

Identification Requirements for Individuals In all cases, our preferred way of identifying you, if you are over 18, is through an Equifax search. In some cases, this will not provide us with evidence to satisfy the various requirements we have to identify you. Likewise, if you are under 18, we are unable to carry out such a search on you. We therefore will require you to provide us with one form of identification from the lists below to verify your name and one to confirm your full address, including your postcode. We will require you to produce either the original document or a certified copy of the document. Documents can be certified by a UK solicitor or Chartered or Certified Accountant, Doctor, Police Officer or various other professions. Please ask for further information. The copy must be certified ‘originals seen’, dated and signed, giving the contact details of the person certifying the copies. If the document contains a photograph, it must be certified as providing a good likeness of you. We do not encourage you to send original documents in the post. Verification of Identity • Photocard Driving Licence • Full UK/EU Passport • UK Driving Licence (old style) • Disabled Persons Card with photo and reference – not more than 10 years old • Shotgun Licence/Firearms Certificate • Latest Tax Notice of Coding – no more than 1 year old • Original Birth Certificate – applicants under 18 only • National Insurance Card – applicants under 20 only • A grant letter from an LEA – students only Verification of Address (all items must show current address) • Latest Bank Statement • Mortgage Statement • Latest Council Tax bill • Driving Licence – if not used as verification of identity • Latest Tax Notice of Coding – no more than 1 year old – if not used as verification of identity • Solicitor's letter confirming house move – no more than 2 months old • Utility bill – no more than 3 months old • Parent/Guardian address document (if they live at the same address) – applicants under 18 only • Confirmation from the applicant’s college or university • A grant letter from an LEA – students only – if not used as verification of identity

Tariff of Charges (effective 1st January 2012) Bath Investment and Building Society is giving you this information so that you will understand the charges that might be made while you are a customer of the Society. These charges may change from time to time, but we will give you at least 30 days notice of any increase in fees. Investment Fees Returned Cheque

If you pay a cheque into your Society account and there are insufficient funds in the account it is drawn on, our bank will return it unpaid and charge us a fee. We will debit your account with this fee. Stopped Cheques

If you need to stop a cheque, which is withdrawn from your Society account, we will debit your account with this fee. Request for Copy of Cheque

Our bank stores all cheques deposited into your account. If you need a copy of a cheque we can ask them to provide a copy. They will need specific information and this will take some time. We will debit your account with this fee. Replacement Passbook

These are expensive documents and if you lose your passbook, we will debit this fee from your account. Reply to Audit Letter Where an auditor, accountant or solicitor requests specific information about your investment account, we reserve the right to charge up to this figure, depending on the amount of work involved. We will let you know the amount prior to carrying out the work. We will debit this fee from your account.

10.00

12.00

10.00

30.00

General Fees Telegraphic Transfer (CHAPS)

Telegraphic transfers in connection with either your mortgage or your investment account can be arranged, if you provide the necessary information on the morning of the transfer, this fee will be charged and debited from your account. Same Day Faster Payments

A fee will be charged for all same day faster payments requests from your mortgage or savings account. This fee will be charged and debited from your account. Photocopying (maximum charge)

We will usually charge 25 pence per A4 sheet, but reserve the right to charge up to this amount for complex packs of information. This fee can be paid in cash or debited from your account. Copy Statement

We can usually reproduce a statement of account, which will be charged at this rate per account, per year. We will debit this fee from your account. Data Protection Access Request

You have the right to access your personal data held by the Society. We will usually charge a fee for this service. The fee will be debited from your account or requested by cheque.

25.00

5.00

25.00

15.00

10.00

If the Society makes a charge for any service outside of this tariff, you will be advised on request, or at the time the service is offered to you. This tariff does not include charges relating to taking out a new mortgage. You will be informed of any costs in connection with a new mortgage in the Key Facts Illustration before any charges are made.

Closed Retail Accounts Premier Cash ISA Issue 3 £1.00+

Tax Free % Annual 2.70

• Fixed Rate until 5th April 2011, then account transferred into a variable rate Cash ISA, currently paying 1.45% • A charge equivalent to 90 days gross interest on all withdrawals prior to the 6th April 2011, this charge may be taken from the capital invested. Loyalty Cash ISA Issue 2 £1.00+

Tax Free % Annual 2.90

Tax Free % Annual 1.60

Direct 60 Issue 1 variable rate £1.00+

Gross % Annual/Monthly

Direct 60 Issue 2 variable rate £1.00+

Gross % Annual/Monthly

Direct 60 Issue 3 variable rate £1.00+

2.20/2.18 1st 6 months 1.60/1.59 2nd 6 months 1.60/1.59 thereafter 2.00/1.98 1st 6 months 1.60/1.59 2nd 6 months 1.60/1.59 thereafter Gross % Annual/Monthly

2.60/2.57 1st 6 months 1.60/1.59 2nd 6 months 1.60/1.59 thereafter

AER % 1.90 1.60 AER % 1.80 1.60 AER % 2.10 1.60

Net % 1.76/1.74 1.28/1.27 1.28/1.27 Net % 1.60/1.59 1.28/1.27 1.28/1.27 Net % 2.08/2.06 1.28/1.27 1.28/1.27

• A charge equivalent to 60 days gross interest on all withdrawals if 60 days notice is not given. This charge may be taken from the capital invested. Fixed Rate Bond Issue 10 £1.00+

Gross % Annual 2.80

AER % 2.80

Net % 2.24

• No access before maturity. Account matures 30th September 2011. Stepped Loyalty Bond Monthly £1.00+

Gross % Annual

AER %

Net %

2.96 3.69 4.17

3.00 3.75 4.25

2.37 2.95 3.34

• Interest rates are fixed as shown above • Upon maturity (30th June 2012) funds transfer into Lifestyle Instant account, unless instructed otherwise. Notice of maturity will be sent out in the month preceding maturity • A charge equivalent to 180 days gross interest on all withdrawals. This charge may be taken from the capital invested. Lifestyle Tracker Bond £1.00+

Gross % Annual 3.00

AER % 3.00

Net % 2.40

• Maximum rate cap 5.00%. No access before maturity (31st December 2011). • Tracker accounts follow the Bank of England base rate. The interest rate on this account will be changed within a maximum of 30 days following the change of Bank of England base rate.

Instant, Cashwise, Bertie, Georgian Accounts, Pirate Supersaver £1.00+

Gross % Annual

AER %

Net %

0.10

0.08

Tudor/Tudor Monthly

Gross % Annual/Monthly

AER %

Net %

£50,000+ £20,000+ £10,000+ £1,000+ £1.00+

1.10/1.09 0.30 0.20 0.20 0.10

1.10 0.30 0.20 0.20 0.10

0.88 0.24 0.16 0.16 0.08

Stuart/Stuart Monthly

Gross % Annual/Monthly

AER %

Net %

£75,000+ £50,000+ £20,000+ £10,000+ £1,000+ £1.00+

1.10/1.09 0.40 0.25 0.25 0.20 0.10

1.10 0.40 0.25 0.25 0.20 0.10

88.00 0.32 0.20 0.20 0.16 0.08

Elizabethan £10,000+ £1,000+ £1.00+ Wessex/Wessex Monthly

Gross % Annual 0.55 0.15 0.10 Gross % Annual/Monthly

AER % 0.55 0.15 0.10 AER %

Net % 0.44 0.12 0.08 Net %

£75,000+ £50,000+ £20,000+ £10,000+ £1,000+ £1.00+

1.45/1.44 0.75 0.55 0.40 0.30 0.10

1.45 0.75 0.55 0.40 0.30 0.10

1.16/1.15 0.60 0.44 0.32 0.24 0.08

• £50,000 worth of instant withdrawals permitted each calendar year without penalty provided account balance remains over £75,000 • 60 days notice required or charge of 60 days interest on all other withdrawals. This charge may be taken from the capital invested.

Regular Saver £1.00 Regular Saver 2 £1.00

Gross % Annual 2.30 Gross % Annual 1.65

AER % 2.30 AER % 1.65

Net % 1.85 Net % 1.32

AER % 1.38

Net % 1.20 1.00 0.20

• One penalty-free withdrawal per calendar year.

Lifestyle Tracker Plus £1.00+

Gross % Annual 1.50 1.25 0.25

0.25

• With effect from 18th September 2009, all withdrawals are available on instant access • Tracker accounts follow the Bank of England base rate.

Lifestyle Tracker Plus Issue 2 £1.00+

Gross % Annual 2.50 1.50 1.25

AER % 2.50 1.50 1.25

Net % 2.00 1.20 1.00

• A charge equivalent to 90 days gross interest on all withdrawals on or before 30th September 2011, if 90 days notice is not given. This charge may be taken from the capital invested • From 1st October 2011, the account matures into a Lifestyle 60 account, when notice or charge is reduced to 60 days.

Lifestyle Tracker Plus Issue 3 £1.00+

Gross % Annual 2.50 1.50

AER % 2.50

Net % 2.00 1.20

• Maximum rate cap 5.00%. On the 1st January 2013, the account matures into a Lifestyle Instant account. The Lifestyle Instant account is a ‘balanced banded account’ • A charge equivalent to 90 days gross interest on all withdrawals on or before 30th September 2011, if 90 days notice is not given. This charge may be taken from the capital invested • Tracker accounts follow the Bank of England base rate. The interest rate on this account will be changed within a maximum of 30 days following the change of Bank of England base rate. Saversaurus, Solid Saver, Young Saver Gross % Annual AER % Net % 0.95 0.95 0.76 £1.00+

Closed Business & Professional Accounts Introducer Bond Annual £1.00+

Gross % Annual 1.05

AER % 1.05

Net % 0.84

Business Direct 6 Month Tracker Bond

Gross % Annual 2.05 Gross % Annual

AER % 2.05 AER %

Net % 1.64 Net %

2.40

1.92

Business Direct 100 £1.00+

Gross % Annual 2.20 1.60

AER % 2.20 1.60

Net % 1.76 1.28

Professional Client £1.00+

Gross % Annual 0.40

AER % 0.40

Net % 0.32

Pension 90 £250,000+ £50,000+ £1.00+ Bath Internet Client Account

Gross % 1.10 0.95 0.85 Gross % Annual

AER % 1.10 0.95 0.85 AER %

Net % 0.88 0.76 0.68 Net %

£4m+ £2m+ £1m+ £250,000+ £100,000+ £25,000+ £1.00+ Flat Rate option

0.80 0.75 0.70 0.35 0.30 0.25 0.10 0.70

0.64 0.60 0.56 0.28 0.24 0.20 0.08 0.56

Professional Tiered Designated Client Account

Gross % Annual

AER %

Net %

£1m+ £250,000+ £100,000+ £25,000+ £1.00+

0.70 0.35 0.30 0.25 0.10

0.56 0.28 0.24 0.20 0.08

£1.00+ Business Direct 12 Month Tracker Bond £1.00+

Champagne Comments We value your comments and suggestions. If you have any suggestions on how we can improve, or if you would like to make any comments on what we do, please provide them below. We cannot promise that we will always be able to act upon or implement your ideas or suggestions, but we can promise that we will always consider them. To thank you for your time, we will add your reply to a quarterly draw for a bottle of champagne. Winners will be drawn by the Societyâ&#x20AC;&#x2122;s Chief Executive in the following quarter of the reply being received and will be contacted by the Society. As a mutual Building Society, we value the feedback given by all our members and prospective members. Your comments:

Name*

Address*

Telephone and/or email* (*Optional - however, details required if you wish to be entered into the quarterly draw)

15 Queen Square, Bath BA1 2HN. Telephone: 01225 423271 www.bathbuildingsociety.co.uk

Bath Investment and Building Society is Authorised and Regulated by the Financial Services Authority (This is not a complaint form and the Society has a separate procedure for complaints)

BA1 2HN

Bath

15 Queen Square

Head Office

Customer Support Department

Bath Investment & Building Society

Freepost RRAL-XXBE-STRB

SO01062007 Head Office: 15 Queen Square, Bath, BA1 2HN Email: bsoc@bibs.co.uk Tel: 01225 423271 Fax: 01225 446914

Standing Order Mandate To (Insert your Bank Name) Postal Address (Insert your Bank Address)

Please Pay Bank National Westminster Bank PLC Branch Title

Milsom Street, Bath

Sort Code 62-30-45 Beneficiary’s Name Bath Investment & Building Society Account Number

00000000

Building Society A/C/Roll No.

Amount Amount in words Date of First Payment Thereafter, every

e.g. Month/Quarter etc until further notice in writing

Account Name to be debited Account Number Signed

Dated Banks may decline to accept instructions to change standing orders to certain types of account other than current accounts.

Note: Banks will not undertake to: a) Make any reference to Value Added Tax or pay a stated sum plus V.A.T or other indeterminate element b) Advise remitter’s address to beneficiary c) Advise beneficiary of inability to pay d) Request beneficiary’s banker to advise beneficiary of receipt e) Accept instructions to pay as soon after the specified date as there are funds to meet the payment, if funds are not available on the specified date.

Email: investments@bibs.co.uk Your Local Society Branch Offices Bath - 3 Wood Street, BA1 2JQ Larkhall - 1 Beaufort Place, Bath, BA1 6RP Oldfield Park - 12/13 Moorland Road, Bath, BA2 3PL Twerton - 88 The Parade, High Street, Twerton, BA2 1DE

(01225) 330837 (01225) 464565 (01225) 445271 (01225) 446782

Branch Supervisors: gemmasharman@bibs.co.uk and tpemberton@bibs.co.uk

Agency Offices Eynsham - Abbey Properties, 9 High Street, OX29 4HA Gillingham - Chapman Moore, High Street, SP8 4AA Ilminster - Harper Dolman & West, 20 East Street, TA19 0AJ Midsomer Norton - Waterhouse Financial Advisers, 23 High Street, BA3 2DR Shaftesbury - Chaffers Estate Agents, 48 High Street, SP7 8AA South Petherton - Hamdon Financial Services, 36 St James Street, TA13 5BT Staple Hill - Mark Richard Insurance, 141 High Street, BS16 5HQ Sturminster Newton - Sutcliffe & Co, Market Cross, DT10 1AN Tisbury - Wood & Co, High Street, SP3 6LD Wellington - MJC Financial Planning, 22 South Street, TA21 8NS Witney - 9 Corn Street, Witney, Oxfordshire, OX28 6DB Yeovil - Livingstones Warman Insurance Brokers, 5 Coronation Avenue, BA21 3DX

(01865) 880697 (01747) 822244 (01460) 53095 (01761) 412980 (01747) 852301 (01460) 240000 (0117) 957 5008 (01258) 472344 (01747) 871110 (01823) 663174 (01993) 771077 (01935) 706258

Community & Retail Operations Manager: jonathancook@bibs.co.uk Customer Support Supervisor: emmaseymour@bibs.co.uk Chief Executive: djenkins@bibs.co.uk

Head Office: 15 Queen Square, Bath, BA1 2HN www.bathbuildingsociety.co.uk Investment enquiries: Tel: (01225) 423271 Mortgage enquiries: Tel: (01225) 475702 Email: mortgages@bibs.co.uk Bath Property Letting: 34 Southgate, Bath, BA1 1TP Tel: (01225) 314055 Bath & City Financial Limited: 3 Wood Street, Bath, BA1 2JQ Tel: (01225) 475700 Bath Investment and Building Society is authorised and regulated by the Financial Services Authority. Our FSA Registration Number is 206026. The Bath Building Society Group includes Bath Property Letting Ltd and Bath & City Financial Ltd.