Kent Reliance Building Society

Voted Best Cash ISA Provider for
the third consecutive year

Voted Best Cash ISA Provider

A simple statement based easy access account

"earn 1.32% gross/AER"
(variable)

As at 29 June 2010



Important:	This account can only be opened and operated by post through our Head Office. Our accounts are only available to UK residents.

Please note:	Head Office does not offer counter facilities.

For an information pack click here.

For further details on transferring Cash ISA funds or switching KRBS ISAs click here

Main features of the account

	Minimum opening deposit and balance £1.
	The current maximum you can subscribe to a Cash ISA in a tax year is £5,100. This limit may be altered by the Government in the future. Transfers of previous tax year ISA subscriptions from another provider DO NOT count towards this tax year’s ISA subscription limit. Transfers of current tax year ISA subscriptions DO count towards this tax year’s ISA subscription limit.
	Existing ISA funds can be transferred from other ISA providers. Note: The time required to fully effect your transfer to KRBS will be determined by your current provider. KRBS accepts no responsibility for delays in transferring your ISA to a KRBS product.
	Minimum age 16, maximum age 24.

	Proof of identity and address verified electronically in the first instance. However, if you are aged 16 - 18 further ID will be required (see application form for further details).
	Interest paid free of income and capital gains tax for people who live in the UK and is added to the account annually on 5 April.
	Add to your savings as and when you like (subject to HM Revenue and Customs limit).
	Take money out of your account as and when you like(without notice or penalty). Note: Transfers to other ISA providers will be processed within 30 days from receipt of all necessary documentation.
	All deposit and withdrawal requests should be posted to our Head Office (stationery supplies can be downloaded from this website). Please make sure the account number is quoted on all correspondence and cheques.
	The annual limit applies to the total credits to the account and not the balance. If you take funds out of your account you cannot subsequently replace them in the same tax year.
	A receipt will be sent for each additional deposit made by cheque.
	You will receive a statement in April showing the interest earned for the tax year as well as detailing any transactions since your last statement. In addition to this statements will be sent in January, July and October (if there have been transactions on the account other than the opening deposit).
	Note: Online members will not receive postal statements but can view their last ten transactions at any time.
	If you have any queries relating to your quarterly statements, please e-mail mail@krbs.com.
	This account can only be opened and operated by post through our Head Office. To request an application form call 08451 22 00 22* or it can be downloaded from this website.

Minimum opening deposit £1	Tax Free Rate % p.a./AER
Annual interest	1.32

As at 29 June 2010

AER - stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Tax free rate - is the stated contractual rate as the interest is exempt from income tax.

*For customer service and training purposes, calls to Kent Reliance may be monitored and/or recorded.