WHEN YOU RECEIVE YOUR BRAILLE STATEMENT YOU WILL ALSO RECEIVE A STANDARD SIGHTED STATEMENT IN THE SAME ENVELOPE. IF A STATEMENT SHEET IS REPRESENTED BY MORE THAN ONE BRAILLE PAGE, THE RELATIVE SIGHTED SHEET NUMBER IS SHOWN ON EACH BRAILLE SHEET FOLLOWED BY THE BRAILLE PAGE NUMBER. YOUR CHEQUES ARE DESIGNATED BY THE SERIAL NUMBER ALONE. THE FOLLOWING ABBREVIATIONS ARE USED: =SO STANDING ORDER: =DD DIRECT DEBIT: =DIV DIVIDEND: =BGC BANK GIRO CREDIT DEPOSIT ACCOUNTS ARE SUBJECT TO 7 DAYS' NOTICE OF WITHDRAWAL. THE ITEMS AND BALANCE SHOWN ON YOUR STATEMENTS SHOULD BE VERIFIED AND ANY ENQUIRIES DIRECTED TO YOUR BRANCH. A SIGHTED VERSION OF YOUR BRAILLE STATEMENT, IN THE SAME FORMAT, IS HELD BY YOUR BRANCH TO ASSIST IN DEALING WITH SUCH ENQUIRIES.

IT IS ESSENTIAL THAT YOU RECEIVE A FULL EXPLANATION BEFORE MAKING USE OF ANY OF THESE SERVICES FOR PERSONAL CUSTOMERS. PLEASE ASK FOR FURTHER DETAILS AT ANY BRANCH OF LLOYDS BANK. WE SHALL BE HAPPY TO HELP. CURRENT ACCOUNT - FOR DAY-TO-DAY MONEY MANAGEMENT. YOU GET A CHEQUE BOOK WHICH WILL ENABLE YOU TO PAY BILLS AND DRAW CASH. REGULAR STATEMENTS (AVAILABLE IN BRAILLE AT NO EXTRA CHARGE) GIVE YOU AN ACCURATE RECORD OF EVERY TRANSACTION. A SMALL CHARGE MAY BE MADE FOR RUNNING A CURRENT ACCOUNT. DETAILS ARE AVAILABLE ON APPLICATION. CHEQUE BOOK - YOUR CHEQUE BOOK CONTAINS 30 CHEQUES PERFORATED SO THAT EACH CAN BE TORN OUT LEAVING A STUB ON WHICH RECORD DETAILS MAY BE ENTERED. A TEMPLATE DEVICE IS AVAILABLE FREE TO ENABLE YOU TO WRITE CHEQUES UNAIDED. IT IS NECESSARY TO ENTER THE NAME OF THE PAYEE, THE AMOUNT (IN BOTH WORDS AND FIGURES), THE DATE AND YOUR SIGNATURE. EACH CHEQUE IS CONSECUTIVELY NUMBERED AND ALSO BEARS THE REFERENCE NUMBER OF YOUR ACCOUNT. THE SEVENTH SHEET FROM THE END OF THE CHEQUE BOOK IS AN ORDER FORM FOR A FURTHER BOOK. THE LAST SHEET BEFORE THE BACK COVER IS FOR BANK STAFF TO RECORD CASH WITHDRAWALS WITH A CHEQUE CARD (READ NEXT PARAGRAPH). CHEQUE CARD - A PLASTIC CARD AVAILABLE AT YOUR BANK MANAGER'S DISCRETION, WHICH BEARS YOUR SIGNATURE AND GUARANTEES YOUR CHEQUE FOR UP TO L50. IT MAKES PAYMENT BY CHEQUE MORE ACCEPTABLE WHERE YOU ARE NOT KNOWN PERSONALLY, AND ENABLES YOU TO DRAW UP TO L50 CASH AT ANY BANK IN THE UNITED KINGDOM. THE CARD SHOULD BE KEPT IN A SEPARATE PLACE FROM YOUR CHEQUE BOOK TO REDUCE THE RISK OF FRAUD. CHEQUE CARDS ARE RENEWED ANNUALLY. STANDING ORDERS - WITH A CURRENT ACCOUNT YOU CAN INSTRUCT YOUR BANK TO MAKE REGULAR PAYMENTS FOR YOU BY STANDING ORDER. THIS SAVES WRITING CHEQUES AND AVOIDS MISSING PAYMENTS. BANK GIRO - A SPECIAL WAY OF PAYING MANY BILLS TOGETHER THROUGH THE BANK, USING ONLY ONE CHEQUE AND SAVING POSTAGE COSTS. BUDGET ACCOUNT - HELPS YOU TO SPREAD EVENLY OVER THE YEAR PREDICTABLE EXPENSES WHICH MIGHT OTHERWISE ALL COME AT ONE TIME. LOANS AND OVERDRAFTS - IF YOU NEED TO BORROW MONEY, OFTEN A BANK LOAN IS THE CHEAPEST AND SIMPLEST WAY. EACH CASE IS TREATED INDIVIDUALLY, SO ASK YOUR BANK MANAGER. ACCESS CREDIT CARD - ANOTHER PLASTIC CARD THAT FEELS LIKE A CHEQUE CARD BUT WORKS QUITE DIFFERENTLY. THIS ONE IS USED TO PAY FOR GOODS AND SERVICES AT MANY SHOPS, RESTAURANTS, ETC., ON CREDIT. THEN ONCE A MONTH A BILL COMES TO YOU COVERING ALL YOUR TRANSACTIONS. IF YOU DO NOT WANT TO PAY OFF THE WHOLE BALANCE THEN YOU MUST REPAY NO LESS THAN THE MINIMUM AMOUNT REQUESTED, BY THE DATE SPECIFIED ON THE BILL. YOU WILL BE CHARGED INTEREST ON THE OUTSTANDING AMOUNT. ACCESS CARDS ARE ISSUED AT BANK MANAGERS' DISCRETION AND ARE RENEWED ANNUALLY. DEPOSIT ACCOUNT/SAVINGS ACCOUNT - TWO DIFFERENT TYPES OF ACCOUNT FOR YOU TO SAVE MONEY IN AND EARN INTEREST. THE DIFFERENCE LIES IN INTEREST RATES AND WITHDRAWAL ARRANGEMENTS. TRAVEL - YOUR BANK CAN GET FOREIGN MONEY FOR YOU, OR SUPPLY TRAVELLERS CHEQUES ACCEPTABLE INTERNATIONALLY. HELP IS AVAILABLE WITH PASSPORTS, VISAS, TRAVEL INSURANCE ETC. FINANCIAL ADVICE - WE CAN HELP WITH INSURANCE, TAX AND MANY OTHER PROBLEMS, AND FREE ADVICE IS AVAILABLE ON ALL SORTS OF FINANCIAL TOPICS, BOTH BUSINESS AND PERSONAL. JUST ASK AT YOUR BRANCH OF LLOYDS BANK.

KEY TO MIDLAND BANK BRAILLE STATEMENTS. WHEN YOU RECEIVE YOUR BRAILLE STATEMENT YOU WILL ALSO RECEIVE A STANDARD SIGHTED STATEMENT IN THE SAME ENVELOPE. IF A STATEMENT SHEET IS REPRESENTED BY MORE THAN ONE BRAILLE PAGE. THE RELATIVE SIGHTED SHEET NUMBER IS SHOWN ON EACH BRAILLE SHEET FOLLOWED BY THE BRAILLE PAGE NUMBER. STANDARD NARRATIVES ON THE STATEMENT ARE IN GRADE =II BRAILLE BUT NARRATIVES PARTICULAR TO YOUR STATEMENTS ARE IN GRADE =I. YOUR CHEQUES ARE DESIGNATED BY THE SERIAL NUMBER ALONE. THE ITEMS AND BALANCE SHOWN ON YOUR STATEMENTS SHOULD BE VERIFIED AND ANY ENQUIRIES DIRECTED TO YOUR BRANCH. A SIGHTED VERSION OF YOUR BRAILLE STATEMENT, IN THE SAME FORMAT, IS HELD BY YOUR BRANCH TO ASSIST IN DEALING WITH SUCH ENQUIRIES.

THIS IS YOUR STATEMENT OF GRADUATED CONTRIBUTIONS. PLEASE SEE THE ACCOMPANYING LEAFLET. MISS J. CAUSER, 36 RECTORY ROAD, MARKFIELD, LEICS. NATIONAL INSURANCE NO. =ZT905599=C TOTAL UNITS TO 5TH APRIL 1975 - UNITS 15, TENTHS 7 YEAR ENDED 5TH APRIL 1975 L55.86 YEAR ENDED 5TH APRIL 1974 L31.02 FORM SERIAL NO. 6959

GRATUATED NATIONAL INSURANCE CONTRIBUTIONS YOUR CONTRIBUTIONS RECORD AND THE GRADUATED PENSION YOU HAVE EARNED. FROM 6 APRIL 1975 EMPLOYED PEOPLE'S CONTRIBUTIONS ARE EARNINGS-RELATED AND COLLECTED ALONG WITH =PAYE INCOME TAX. THE GRADUATED PENSION SCHEME HAS BEEN WOUND UP BUT RIGHTS TO GRADUATED PENSION ALREADY EARNED HAVE BEEN PRESERVED. A FINAL STATEMENT OF ACCOUNT IS NOW BEING SENT TO EVERYONE WHO HAS PAID CONTRIBUTIONS SINCE A STATEMENT WAS LAST ISSUED TO THEM. THE STATEMENTS SHOWS GRADUATED CONTRIBUTIONS IN RECENT TAX YEARS AND THE TOTAL GRADUATED PENSION UNITS EARNED SINCE THE SCHEME BEGAN IN 1961. THIS LEAFLET EXPLAINS THE FINAL STATEMENT AND HOW THE GRADUATED PENSION YOU HAVE EARNED WILL BE PRESERVED AND PAID WHEN YOU RETIRE AT OR AFTER 65 (60 IF YOU ARE A WOMAN) OR WHEN YOU REACH 70 (65 IF YOU ARE A WOMAN) WHICHEVER IS EARLIER. THE FINAL STATEMENT DOES NOT TAKE ACCOUNT OF ANY ADDITIONAL BENEFIT WHICH MAY BE EARNED UNDER THE PROVISIONS OF THE 1975 SOCIAL SECURITY ACT. UP TO 5 APRIL, 1975 WHEN FLAT-RATE AND GRADUATED CONTRIBUTIONS WERE REPLACED BY THE NEW SYSTEM OF EARNINGS-RELATED CONTRIBUTIONS, YOU WILL PROBABLY HAVE PAID WEEKLY NATIONAL INSURANCE FLAT RATE CONTRIBUTIONS IF YOU WERE IN EMPLOYMENT. IF YOU EARNED MORE THAN L9 A WEEK YOU WILL ALSO HAVE PAID GRADUATED CONTRIBUTIONS EVEN IF YOU WERE A MARRIED WOMAN WHO HAD CHOSEN NOT TO PAY FULL FLAT-RATE CONTRIBUTIONS. THE MORE YOU EARNED - UP TO AN EARNINGS LIMIT - THE HIGHER YOUR CONTRIBUTIONS WILL HAVE BEEN. THESE CONTRIBUTIONS WILL ENTITLE YOU TO A GRADUATED PENSION WHEN YOU RETIRE, EVEN THOUGH THE SCHEME WAS WOUND UP ON 5 APRIL, 1975. IF YOUR EMPLOYER OPERATES AN OCCUPATIONAL PENSION OR SUPERANNUATION SCHEME IN WHICH YOU ARE INCLUDED YOU HAY HAVE BEEN PARTIALLY "CONTRACTED OUT" OF THE STATE GRADUATED SCHEME. IN THIS CASE YOUR GRADUATED CONTRIBUTIONS WILL HAVE BEEN LESS THAN IF YOU WERE NOT CONTRACTED OUT. YOUR EMPLOYER IS REQUIRED TO SAFEGUARD YOUR PENSION RIGHTS FOR PERIODS OF CONTRACTED OUT EMPLOYMENT ENDING ON 5 APRIL 1975 EITHER BY PROVIDING AN ASSURED PENSION THROUGH THE OCCUPATIONAL PENSION SCHEME OR BY MAKING A PAYMENT IN LIEU TO INCREASE YOUR GRADUATED PENSION ENTITLEMENT. YOUR GRADUATED CONTRIBUTIONS STATEMENT. GENERALLY, STATEMENTS OF ACCOUNT HAVE BEEN ISSUED PERIODICALLY SINCE THE SCHEME BEGAN IN 1961. THESE STATEMENTS WILL HAVE SHOWN YOUR GRADUATED CONTRIBUTIONS RECORDED FOR PREVIOUS TAX YEARS. FROM THIS FINAL STATEMENT YOU CAN CHECK THAT CONTRIBUTIONS DEDUCTED FROM YOUR PAY IN RECENT YEARS HAVE BEEN CORRECTLY RECORDED IN YOUR NATIONAL INSURANCE ACCOUNT. YOU CAN ALSO WORK OUT THE TOTAL GRADUATED PENSION YOUR CONTRIBUTIONS HAVE EARNED. HOW TO CHECK YOUR STATEMENT. THE CASH FIGURES ON YOUR STATEMENT SHOW THE TOTAL GRADUATED CONTRIBUTIONS RECORDED IN YOUR ACCOUNT FOR THE TAX YEARS INDICATED, EACH OF WHICH ENDS ON 5 APRIL. BY COMPARING THESE CASH FIGURES WITH THE TOTAL GRADUATED CONTRIBUTIONS DEDUCTIONS SHOWN ON YOUR PAYSLIPS FOR THE SAME YEARS, YOU CAN CHECK FOR YOURSELF THAT THE DEDUCTIONS MADE BY YOUR EMPLOYER HAVE BEEN CORRECTLY RECORDED. THE CASH FIGURES DO NOT INCLUDE: ANY ADDITIONAL GRADUATED CONTRIBUTIONS TREATED AS PAID IF YOU DEFERRED OR CANCELLED YOUR RETIREMENT IN THE FIVE YEARS AFTER PENSION AGE (65 FOR A MAN 60 FOR A WOMAN). IN ADDITION TO THE GRADUATED CONTRIBUTIONS ACTUALLY PAID DURING PERIODS OF DEFERRED RETIREMENT, HALF THE GRADUATED PENSION FORGONE IS TREATED AS A WEEKLY CONTRIBUTION TOWARDS FURTHER GRADUATED PENSION. ANY PAYMENT IN LIEU OF CONTRIBUTIONS MADE, IF YOU LEFT CONTRACTED OUT EMPLOYMENT. IN THIS CASE YOU WILL HAVE RECEIVED A SEPARATE STATEMENT. AN ENTRY OF "NIL" OR "L0.00" AGAINST ANY YEAR ON YOUR STATEMENT MEANS THAT YOUR ACCOUNT DOES NOT YET SHOW ANY RECORD OF CONTRIBUTIONS FOR THAT YEAR. HOW TO CALUCLATE THE GRADUATED PENSION YOU HAVE EARNED. THE "TOTAL UNITS" FIGURE ON YOUR STATEMENT IS THE NUMBER OF GRADUATED PENSION UNITS EARNED BY THE CONTRIBUTIONS YOU HAVE PAID; IT INCLUDES UNITS EARNED BY ANY PAYMENTS IN LIEU OF CONTRIBUTIONS MADE ON YOUR BEHALF SINCE THE SCHEME BEGAN IN APRIL 1961. THE COST OF EACH UNIT IS L7.50 FOR A MAN AND L9 FOR A WOMAN. THE COST FOR A WOMAN IS HIGHER BECAUSE SHE CAN QUALIFY FOR HER PENSION FIVE YEARS EARLIER THAN A MAN. FOR PAYMENTS IN LIEU OF CONTRIBUTIONS THE UNITS EARNED ARE AS SHOWN IN THE SEPARATE NOTICE SENT TO YOU AT THE TIME. EACH UNIT YOU EARN WILL BE WORTH 2 1/2P A WEEK (I.E. L1.30 A YEAR) IN GRADUATED PENSION, NORMALLY PAYABLE WITH YOUR BASIC RETIREMENT PENSION. AN ODD HALF-UNIT OR MORE IN THE FINAL CALCULATION IS TREATED AS A WHOLE UNIT. FOR EXAMPLE, IF YOU HAVE A TOTAL OF 39.5 UNITS ON RETIREMENT THIS WILL COUNT AS 40 UNITS AND YOU WILL BE ENTITLED TO GRADUATED PENSION OF 2 1/2 TIMES 40 EQUALS L1 A WEEK, I.E. L52 A YEAR. THIS WILL BE FURTHER INCREASED TO PROTECT YOUR GRADUATED PENSION AGAINST PRICE INCREASES. YOUR GRADUATED PENSION. ALTHOUGH YOUR GRADUATED PENSION WILL BE CALCULATED AS EXPLAINED ABOVE, THE TOTAL UNITS FIGURE SHOWN ON YOUR STATEMENT MAY BE INCREASED IF YOU HAVE BEEN CONTRACTED OUT AND YOUR EMPLOYER MAKES A PAYMENT IN LIEU AFTER 5 APRIL 1975 TO SECURE YOUR PENSION RIGHTS IN THE GRADUATED PENSION SCHEME. IN THESE CIRCUMSTANCES YOU WILL BE SENT A FURTHER NOTIFICATION OF THE ADDITIONAL NUMBER OF GRADUATED PENSION UNITS PURCHASED BY THE PAYMENT IN LIEU. YOU DO NOT RETIRE AT AGE 65(60 IF YOU ARE A WOMAN). THE GRADUATED PENSION YOU HAVE EARNED WILL BE PAID WITH ANY BASIC RETIREMENT PENSION WHEN YOU REACH AGE 65 (60 FOR A WOMAN) AND HAVE RETIRED. HOWEVER, IF YOU DO NOT QUALIFY FOR A BASIC RETIREMENT PENSION WHEN YOU RETIRE AT OR AFTER AGE 65 (60 FOR A WOMAN) YOU SHOULD NEVERTHELESS CLAIM THE GRADUATED PENSION AT THAT TIME AND IT WILL BE PAID TO YOU ON ITS OWN. HOW TO DECIDE WHETHER YOU MAY BE ENTITLED TO A REFUND. PROPERLY PAID CONTRIBUTIONS CANNOT BE REFUNDED UNLESS YOU HAD MORE THAN ONE EMPLOYMENT IN ANY TAX YEAR AND YOU PAID MORE GRADUATED CONTRIBUTIONS THAN YOU COULD NORMALLY HAVE PAID IN A SINGLE JOB. SO IF YOU HELD TWO OR MORE SEPARATE JOBS AND YOUR GRADUATED CONTRIBUTIONS TOTALLED: L33 11 SHILLINGS 7 PENCE (L33.58) OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1970 L43.96 (L43 19 SHILLINGS 2 PENCE) OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1971 L62.81 OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1972 L88.67 OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1973 L109.35 OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1974, OR L142.85 OR MORE FOR THE TAX YEAR ENDED 5 APRIL 1975 YOU WILL BE ENTITLED TO A REFUND. IF ONE OR MORE OF YOUR JOBS WAS CONTRACTED OUT BUT YOU PAID FULL GRADUATED CONTRIBUTIONS IN ANOTHER JOB, YOU CAN ADD 38P (7 SHILLINGS 8 PENCE) FOR EACH WEEK IN WHICH YOU HAD CONTRACTED OUT EMPLOYMENT TO THE CONTRIBUTIONS ACTUALLY PAID FOR THE TAX YEAR CONCERNED. IF THE TOTAL IS THEN MORE THAN THE FIGURE GIVEN ABOVE FOR THE SAME YEAR, YOU WILL BE ENTITLED TO A REFUND. ALTERNATIVELY YOU CAN ALLOW THE FULL CONTRIBUTIONS YOU HAVE PAID TO STAND TO YOUR CREDIT FOR RETIREMENT PENSION PURPOSES. IN THIS CASE YOU WILL ONLY BE ENTITLED TO A REFUND IF THE ACTUAL CONTRIBUTIONS ARE MORE THAN THE APPROPRIATE FIGURE ABOVE. HOW AND WHERE TO ENQUIRE. IF YOU THINK YOUR STATEMENT IS INCORRECT, OR THAT YOU ARE ENTITLED TO A REFUND BUT HAVE NOT BEEN SENT A CLAIM FORM YOU SHOULD CONTACT YOUR LOCAL SOCIAL SECURITY OFFICE; YOU CAN GET THE ADDRESS FROM A POST OFFICE OR TELEPHONE DIRECTORY, (LOOK UNDER "HEALTH & SOCIAL SECURITY" OR "SOCIAL SECURITY". IN NORTHERN IRELAND LOOK UNDER "GOVERNMENT - SOCIAL SERVICES"). PLEASE QUOTE AS MUCH AS POSSIBLE OF THE FOLLOWING INFORMATION ABOUT YOURSELF: NATIONAL INSURANCE NUMBER FULL NAME AND ADDRESS (INCLUDING POSTAL CODES EMPLOYER'S NAMES AND ADDRESSES (INCLUDING POSTAL CODE) (INCLUDING ALL PART-TIME EMPLOYMENT) DEPARTMENTS AND/OR WORKS OR STAFF NUMBERS DATES OF EMPLOYMENTS CONCERNED GRADUATED CONTRIBUTIONS PAID IN THESE EMPLOYMENTS WHETHER OR NOT EMPLOYMENTS WERE CONTRACTED OUT. IF YOU WORK OVERSEAS YOU SHOULD SEND YOUR ENQUIRIES TO OVERSEAS GROUP, DEPARTMENT OF HEALTH AND SOCIAL SECURITY, NEWCASTLE UPON TYNE, =NE98 1=YX. PLEASE DO NOT ENQUIRE ABOUT A "NIL" OR "L0.00" ENTRY IN YOUR STATEMENT UNTIL AFTER 5 APRIL 1976. IF YOU CHANGE YOUR ADDRESS. IT IS IMPORTANT THAT THE DEPARTMENT OF HEALTH AND SOCIAL SECURITY ALWAYS HAS YOUR CORRECT ADDRESS. MAKE SURE BY NOTIFYING YOUR LOCAL OFFICE OF ANY CHANGE, AND PLEASE QUOTE YOUR NATIONAL INSURANCE NUMBER WHEN DOING SO. THIS LEAFLET GIVES GENERAL GUIDANCE AND MUST NOT BE TREATED AS A COMPLETE AND AUTHORITATIVE STATEMENT OF THE LAW.

THIS BOOKLET HAS BEEN PRODUCED JOINTLY BY THE NATIONAL SAVINGS BANK AND WARWICK RESEARCH UNIT FOR THE BLIND. IF YOU HAVE ANY COMMENTS TO MAKE, DR. J. M. GILL, WARWICK RESEARCH UNIT FOR THE BLIND, UNIVERSITY OF WARWICK, COVENTRY =CV4 7AL WILL BE PLEASED TO HEAR FROM YOU.

NATIONAL SAVINGS BANK ORDINARY ACCOUNTS IMMEDIATE DEPOSIT AND WITHDRAWAL FACILITIES, PLUS 5 PER CENT INTEREST. MAXIMUM DEPOSIT L10,000. NATIONAL SAVINGS BANK INVESTMENT ACCOUNTS IDEAL FOR LONG-TERM SAVERS. ONE MONTH'S NOTICE OF WITHDRAWAL, AND 10 PER CENT INTEREST. NATIONAL SAVINGS CERTIFICATES FOURTEEN ISSUE - L1 PER UNIT. COMPOUND INTEREST EQUIVALENT TO 7.59 PER CENT PER ANNUM OVER FULL FOUR YEAR LIFE. MAXIMUM HOLDING 1,000 UNITS. INDEX-LINKED RETIREMENT ISSUE - L10 PER UNIT. REPAYMENT VALUE LINKED TO RETAIL PRICE INDEX. MAXIMUM HOLDING 50 UNITS. ANY INCREASE IN THE PURCHASE PRICE OF CERTIFICATES OF BOTH ISSUES AT THE TIME OF REPAYMENT IS FREE OF UNITED KINGDOM INCOME TAX AND CAPITAL GAINS TAX. ULSTER SAVINGS CERTIFICATES AS FOR NATIONAL SAVINGS CERTIFICATES BUT REFER TO ULSTER SAVINGS BANK FOR TAX EXEMPTION DETAILS. BRITISH SAVINGS BONDS AND ULSTER DEVELOPMENT BONDS COST L5 EACH. MAXIMUM L10,000. INTEREST EIGHT AND A HALF PER CENT PER ANNUM, PLUS FOUR PER CENT TAX-FREE MATURITY BONUS. PREMIUM SAVINGS BONDS L1 PER UNIT. MINIMUM PURCHASE L5. THE MAXIMUM NUMBER OF BOND UNITS YOU MAY HOLD IS 2,000. NO INTEREST. INSTEAD, PRIZES TOTALLING OVER L5 MILLION ARE DRAWN EVERY MONTH, PLUS, MONTHLY, ONE PRIZE EACH OF L100,000 AND L25,000 AND EACH WEEK A SINGLE PRIZE OF L50,000 AND 25 PRIZES OF L1,000 EACH. SAVE AS YOU EARN SCHEME THIRD ISSUE (INDEX-LINKED) AFTER SAVING FIXED AMOUNTS FOR FIVE YEARS CONTRIBUTOR MAY WITHDRAW HIS MONEY, THE AMOUNT REPAID BEING RELATED TO THE CHANGE IN THE COST OF LIVING. EACH CONTRIBUTION WILL BE LINKED TO THE RETAIL PRICE INDEX SEPARATELY FROM THE 1ST OF THE MONTH FOLLOWING PAYMENT. BONUS EQUAL TO TWO MONTHLY CONTRIBUTIONS IF LEFT IN FOR ANOTHER TWO YEARS. MAXIMUM DEPOSIT L20 A MONTH. STOCKS AND BONDS GOVERNMENT STOCKS AND BONDS BOUGHT THROUGH THE DEPARTMENT FOR NATIONAL SAVINGS AT LOW RATES OF COMMISSION. NATIONAL SAVINGS GIFT TOKENS FOR INVESTMENTS IN NATIONAL SAVINGS. NATIONAL SAVINGS STAMPS NOMINATIONS

1. NATIONAL SAVINGS BANK ORDINARY ACCOUNTS OPENING AN ORDINARY ACCOUNT ANYONE AGED SEVEN OR OVER CAN EASILY OPEN AN ORDINARY ACCOUNT BY SIGNING A SIMPLE FORM AND DEPOSITING AS LITTLE AS 25P AT ANY OF THE 20,000 SAVINGS BANK POST OFFICES IN THE U.K. CHILDREN UNDER SEVEN MAY HAVE ACCOUNTS OPENED ON THEIR BEHALF. THEY BECOME ENTITLED TO MAKE WITHDRAWALS ONCE THEY REACH THE AGE OF SEVEN. JOINT, TRUST AND SOCIETY ACCOUNTS TWO OR MORE PEOPLE MAY OPEN A JOINT ACCOUNT. TRUSTEES OF A LEGALLY CONSTITUTED TRUST CAN ALSO HOLD ACCOUNTS, AND ONE PERSON CAN HOLD AN ACCOUNT IN INFORMAL TRUST FOR ANOTHER. CLUBS AND OTHER ORGANISATIONS MAY OPEN SOCIETY ACCOUNTS FOR THEIR FUNDS ON APPLICATION TO THE NATIONAL SAVINGS BANK, GLASGOW =G58 =ISB. DEPOSITS YOU MAY DEPOSIT ANY AMOUNT OF 25P OR MORE UP TO A MAXIMUM OF L10,000. IF YOU HAVE MORE THAN ONE SAVINGS ACCOUNT IN YOUR NAME, DEPOSITS IN ALL YOUR ACCOUNTS (EXCEPT TRUST ACCOUNTS) ARE RECKONED TOWARDS THIS LIMIT. YOU CAN EXCEED THIS LIMIT, HOWEVER, BY CURRENT INTEREST, BY DIVIDENDS FROM YOUR STOCKS OR BONDS ON THE NATIONAL SAVINGS STOCK REGISTER, OR BY DEPOSITS TRANSFERRED FROM A DECEASED DEPOSITOR. ORGANISATIONS WHICH HANDLE LARGE SUMS MAY APPLY TO EXCEED THE LIMIT IN THEIR SOCIETY ACCOUNTS. WITHDRAWALS YOU MAY MAKE ONE WITHDRAWAL A DAY, IN CASH, OF UP TO L30 ON DEMAND AT ANY SAVINGS BANK POST OFFICE, BUT THE BANK BOOK WILL BE IMPOUNDED IF THE WITHDRAWAL EXCEEDS L20. IF YOU MAKE TWO WITHDRAWALS ON DEMAND EACH OF OVER L10 WITHIN SEVEN DAYS, THE PAYING OFFICER WILL RETAIN THE BANK BOOK FOR EXAMINATION AT SAVINGS BANK HEADQUARTERS. THIS RULE APPLIES EVEN IF THE BOOK HAS BEEN EXAMINED BETWEEN THE DATES OF THE TWO WITHDRAWALS. TO WITHDRAW, IN CASH, A SUM OVER L30, YOU MUST APPLY ON A NOTICE OF WITHDRAWAL. IF YOU REQUIRE A CROSSED WARRANT, SIMILAR TO A CHEQUE, YOU MUST APPLY ON A NOTICE OF WITHDRAWAL AND YOU MUST SEND THE BANK BOOK WITH THE FORM. THE MINIMUM SUM FOR WHICH A CROSSED WARRANT WILL BE ISSUED IS L1. EMERGENCIES TWO TELEGRAPH SERVICES ARE AVAILABLE FOR URGENT WITHDRAWALS. YOU SIMPLY PAY FOR THE TELEGRAM(S). 1. FOR WITHDRAWALS UP TO L75 SEND A NOTICE OF WITHDRAWAL MARKED "BY TELEGRAM" TO SAVINGS BANK HEADQUARTERS. AUTHORITY FOR PAYMENT IS THEN TELEGRAPHED TO THE POST OFFICE YOU NAME. 2. FOR WITHDRAWALS UP TO L50 THE POST OFFICE WILL TELEGRAPH YOUR APPLICATION, AND AUTHORITY IS TELEGRAPHED BACK. TRANSFERS TO GIRO FACILITIES FOR TRANSFERS OF MONEY BETWEEN NATIONAL SAVINGS BANK ACCOUNTS AND GIRO ACCOUNTS ARE AVAILABLE. THE GIRO SYSTEM IS IDEAL FOR PAYMENTS SUCH AS RATES, GAS AND ELECTRICITY BILLS, ETC. PAYMENTS OF REGULAR FIXED AMOUNTS CAN ALSO BE ARRANGED FROM YOUR SAVINGS BANK ACCOUNT BY APPLICATION TO THE DIRECTOR OF SAVINGS SO LONG AS PAYMENTS ARE NOT MORE FREQUENT THAN ONCE A MONTH AND A REASONABLE BALANCE IS KEPT IN THE ACCOUNT. A CHARGE IS MADE FOR EACH PAYMENT. INTEREST THE RATE OF INTEREST IS 5 PER CENT PER ANNUM. INTEREST IS CALCULATED ON EACH COMPLETE L1 DEPOSITED FOR A FULL CALENDER MONTH. YOUR MONEY STARTS TO EARN INTEREST ON THE FIRST DAY OF THE MONTH FOLLOWING THAT IN WHICH IT IS DEPOSITED. MONEY DOES NOT EARN INTEREST IN THE MONTH IN WHICH IT IS WITHDRAWN OR A WARRANT IS ISSUED. INTEREST IS CREDITED ON 31ST DECEMBER EACH YEAR. TAX CONCESSION THE TAX FREE CONCESSION ON THE FIRST L40 OF INTEREST IS TO BE INCREASED TO L70 FROM 1ST JANUARY, 1977 SUBJECT TO PROVISIONS BEING MADE IN THE FINANCE BILL. INTEREST ON ALL ORDINARY ACCOUNTS IN YOUR NAME IS RECKONED TOWARDS THIS MAXIMUM. THIS CONCESSION APPLIES TO BOTH HUSBAND AND WIFE, I.E. UP TO L140 ON A JOINT ACCOUNT, OR UP TO L70 EACH ON INDIVIDUAL ACCOUNTS. TAKE CARE OF THE BANK BOOK WITHOUT A BANK BOOK YOU CANNOT DEPOSIT OR WITHDRAW MONEY. IT MUST BE SENT TO HEADQUARTERS ON THE FOLLOWING OCCASSIONS: AFTER A WITHDRAWAL ON DEMAND OVER L20; FOR RENEWAL WHEN FULL; WHEN YOU REQUIRE A CROSSED WARRANT; FOR CHECKING; AND TO SAFEGUARD AN ORDINARY ACCOUNT WHEN TWO PAGES ARE FILLED WITH ENTRIES (EXCEPT FOR ACCOUNTS WITH NINE-DIGIT NUMBERS) OR WHEN TWO "ON DEMAND" WITHDRAWALS, EACH OF MORE THAN L10, ARE MADE WITHIN SEVEN DAYS. 2. INVESTMENT ACCOUNTS IDEAL FOR LONGER TERM SAVERS INVESTMENT ACCOUNTS ARE IDEAL FOR DEPOSITORS NOT REQUIRING THEIR MONEY AT SHORT NOTICE. THE BANK CAN THEREFORE INVEST THE MONEYS TO OBTAIN A BETTER RETURN. AND THE BETTER THE RETURN THE BETTER THE RATE OF INTEREST PAID TO DEPOSITORS. GROWING INTEREST SINCE INVESTMENT ACCOUNTS BEGAN IN 1966, RETURNS ON INVESTMENTS HAVE BEEN STEADILY GROWING, WHICH MEANS INTEREST TO DEPOSITORS HAS GROWN TOO. THE PRESENT RATE OF INTEREST IS 10 PER CENT PER ANNUM. THIS RATE MAY OF COURSE CHANGE, IN WHICH CASE ADVANCE NOTICE WILL BE PUBLISHED IN THE LONDON, EDINBURGH AND BELFAST GAZETTES. INTEREST IS ADDED ON 31 DECEMBER INTEREST ON INVESTMENT ACCOUNTS IN CALCULATED IN A WAY SIMILAR TO THAT ON ORDINARY ACCOUNTS, THAT IS, ON EACH COMPLETE L1 ON DEPOSIT FOR A FULL CALENDAR MONTH. AS WITH ORDINARY ACCOUNTS YOUR MONEY STARTS TO EARN INTEREST ON THE FIRST DAY OF THE MONTH FOLLOWING THAT IN WHICH IT IS DEPOSITED. MONEY WITHDRAWN DOES NOT EARN INTEREST IN THE MONTH IN WHICH THE WARRANT IS ISSUED. INTEREST IS CREDITED ON 31 DECEMBER EACH YEAR. TAX IN COMMON WITH MOST OTHER SIMILAR FORMS OF SAVINGS THE INTEREST IS LIABLE TO U.K. INCOME TAX, BUT TAX IS NOT DEDUCTED AT SOURCE. OPENING AN INVESTMENT ACCOUNT ANYONE AGED SEVEN OR OVER CAN OPEN AN INVESTMENT ACCOUNT AT ANY OF THE 20,000 SAVINGS BANK POST OFFICES IN THE U.K. CHILDREN UNDER SEVEN MAY HAVE ACCOUNTS OPENED ON THEIR BEHALF. TWO OR MORE PEOPLE MAY OPEN A JOINT INVESTMENT ACCOUNT. TRUSTEES OF A LEGALLY CONSTITUTED TRUST CAN ALSO HOLD ACCOUNTS, AND ONE PERSON CAN HOLD AN ACCOUNT IN INFORMAL TRUST FOR ANOTHER. CLUBS AND OTHER ORGANISATIONS MAY OPEN INVESTMENT ACCOUNTS FOR THEIR FUNDS ON APPLICATION TO THE NATIONAL SAVINGS BANK, GLASGOW =G58 1SB. THE MINIMUM SUM REQUIRED FOR OPENING AN ACCOUNT IS L1. YOU WILL BE ASKED TO FILL IN A FORM, A RECEIPT WILL BE GIVEN TO YOU AND YOUR NEW INVESTMENT ACCOUNT BOOK WILL BE SENT TO YOU THROUGH THE POST BY SAVINGS BANK HEADQUARTERS. SUBSEQUENT DEPOSITS MUST NOT BE LESS THAN L1 AND, IF YOU WISH, THE AMOUNT OF THE DEPOSIT MAY BE TAKEN FROM AN ORDINARY ACCOUNT. MONEY TRANSFERRED CONTINUES TO EARN INTEREST AT THE ORDINARY ACCOUNT RATE UNTIL THE END OF THE MONTH IN WHICH THE TRANSFER IS MADE. THERE IS L50,000 UPPER LIMIT TO THE BALANCE WHICH MAY BE KEPT IN YOUR INVESTMENT ACCOUNT. WITHDRAWALS ONE MONTH'S NOTICE OF WITHDRAWAL IS REQUIRED. SEND A WITHDRAWAL APPLICATION TOGETHER WITH THE BANK BOOK TO THE NATIONAL SAVINGS BANK, GLASGOW =G58 1SB. PAYMENT IS MADE AS YOU REQUIRE, EITHER IN CASH AT THE SAVINGS BANK POST OFFICE OF YOUR CHOICE, OR BY CROSSED WARRANT. 3. NATIONAL SAVINGS CERTIFICATES (FOURTEENTH ISSUE) WHO CAN HOLD THEM? ALMOST ANYONE, INCLUDING A CHILD UNDER SEVEN YEARS, CAN HOLD FOURTEENTH ISSUE NATIONAL SAVINGS CERTIFICATES. THEY MAY ALSO BE HELD JOINTLY, OR BY TRUSTEES (BUT NOT TRUSTEES FOR NON-CHARITABLE TRUSTS); BY REGISTERED FRIENDLY SOCIETIES AND BY SUCH CHARITABLE AND OTHER BODIES AS MAY BE APPROVED BY THE DIRECTOR OF SAVINGS. THEY CANNOT BE HELD BY OR ON BEHALF OF REGISTERED COMPANIES, PUBLIC BODIES OR FIRMS. WHERE CAN I BUY THEM? NATIONAL SAVINGS CERTIFICATES (FOURTEENTH ISSUE) ARE ON SALE AT MOST POST OFFICES AND BANKS (INCLUDING TRUSTEE SAVINGS BANKS). WHAT IS THE INTEREST? THE PURCHASE PRICE OF FOURTEENTH ISSUE CERTIFICATE IS L1 PER UNIT AND EACH UNIT REACHES A VALUE OF L1.34 AFTER FOUR YEARS BY THE ADDITION OF STATED AMOUNTS AT THE END OF THE FIRST YEAR AND AT THE END OF EACH SUBSEQUENT PERIOD OF FOUR MONTHS. (THE VALUE REMAINS UNCHANGED DURING THE FIRST YEAR.) THIS REPRESENTS A RATE OF COMPOUND INTEREST OF L7.59 PER CENT PER ANNUM WHEN CERTIFICATES ARE HELD FOR THE FULL PERIOD OF FOUR YEARS. INTEREST IS PAYABLE ONLY WHEN THE PURCHASE PRICE IS REPAID. MINIMUM PURCHASE IS 5 UNITS (L5). HOW MANY CAN I HOLD? YOU MAY HOLD ON YOUR OWN BEHALF, EITHER JOINTLY OR SOLELY, UP TO 1,000 UNITS OF FOURTEENTH ISSUE CERTIFICATES, EXCLUSIVE OF ANY EARLIER ISSUES YOU HOLD. YOU MAY IN ADDITION HOLD CERTIFICATES OF ANY ISSUE INHERITED FROM A DECEASED HOLDER. YOU MAY NOT, HOWEVER, PURCHASE FURTHER CERTIFICATES OF THE CURRENT ISSUE IF INHERITED CERTIFICATES HAVE BROUGHT YOUR HOLDING IN THE CURRENT ISSUE UP TO OR ABOVE THE LIMIT OF 1,000 UNITS. ARE THEY TAX FREE? ALL REPAYMENTS ARE FREE OF U.K. INCOME TAX AND CAPITAL GAINS TAX. HOW TO CASH THEM? REPAYMENT MAY BE OBTAINED ON WRITTEN APPLICATION, GIVING AT LEAST EIGHT CLEAR WORKING DAYS NOTICE, TO THE DIRECTOR, SAVINGS CERTIFICATE AND S.A.Y.E. OFFICE, DURHAM, =DH99 1NS. REPAYMENT APPLICATION FORMS ARE AVAILABLE FROM MOST POST OFFICE 4. NATIONAL SAVINGS CERTIFICATES (INDEX-LINKED RETIREMENT ISSUE) WHAT ARE INDEX-LINKED CERTIFICATES? THEY ARE A NEW WAY OF SAVING BY LINKING THE REPAYMENT VALUE OF CERTIFICATES TO THE UNITED KINGDOM GENERAL INDEX OF RETAIL PRICES (THE R.P.I.). THE RETIREMENT ISSUE IS DESIGNED TO PROTECT THE PURCHASING POWER OF THE NEST-EGG SAVINGS OF ELDERLY PEOPLE. THE PRECISE TERMS OF THE ISSUE ARE SET OUT IN A PROSPECTUS AVAILABLE AT SELLING POINTS. HOW DOES THE R.P.I. WORK? EVERY MONTH THE GOVERNMENT COLLECTS THE AVERAGE PRICES PAID FOR SUCH THINGS AS FOOD, CLOTHING, RENTS, TRANSPORT, DRINK, TOBACCO, COAL, GAS, ELECTRICITY AND MANY OTHERS AND COMPARES THESE WITH PRICES PAID IN THE PREVIOUS MONTH. IF PRICES RISE THE R.P.I. WILL RISE, OR FALL IF PRICES HAVE FALLEN. WHO CAN HOLD THEM? MEN AGED 65 AND OVER OR WOMEN AGED 60 AND OVER MAY PURCHASE AND HOLD RETIREMENT ISSUE CERTIFICATES. THE CERTIFICATES MAY BE HELD JOINTLY BY TWO OR MORE PEOPLE PROVIDED THAT THE AGE QUALIFICATION FOR EACH HOLDER IS FULFILLED. APPLICANTS DO NOT NEED TO BE IN RECEIPT OF A PENSION OR BE RETIRED. THE CERTIFICATES CANNOT BE REGISTERED IN THE NAMES OF TRUSTEES, REGISTERED FRIENDLY SOCIETIES, CHARITABLE OR OTHER BODIES, OR BY OR ON BEHALF OF REGISTERED COMPANIES, PUBLIC BODIES OR FIRMS. YOU WILL BE ASKED TO SIGN A SIMPLE DECLARATION OF AGE THE FIRST TIME YOU MAKE A PURCHASE. PEOPLE UNABLE TO MAKE THEIR APPLICATION IN PERSON MAY ASK SOMEONE ELSE TO DO SO FOR THEM. IN THIS CASE YOU SHOULD ASK A FRIEND OR RELATIVE TO ENQUIRE ABOUT THE CORRECT PROCEDURE AT A POST OFFICE. WHERE CAN I BUY THEM? RETIREMENT ISSUE CERTIFICATES MAY BE BOUGHT IN UNITS OF L10 FROM MOST POST OFFICES AND TRUSTEE SAVINGS BANKS. WHAT DO I GET BACK ON REPAYMENT? PROVIDED THAT THE CERTIFICATES HAVE BEEN HELD AT LEAST ONE YEAR THE SUM YOU GET BACK WHEN YOUR CERTIFICATES ARE REPAID WILL BE CALCULATED IN LINE WITH THE CHANGE IN THE R.P.I. BETWEEN THE MONTHS OF BUYING AND CASHING THE CERTIFICATES. (THE PURCHASE PRICE ONLY IS REPAID ON CERTIFICATES CASHED WITHIN THE FIRST YEAR OF PURCHASE.) A REPAYMENT VALUE CHART IS ON DISPLAY AT POST OFFICES. IF THE CERTIFICATES ARE HELD UNTIL THE FIFTH ANNIVERSARY OF THE PURCHASE DATE A FIXED BONUS OF FOUR PER CENT OF THE PURCHASE PRICE WILL BE ADDED. THE AMOUNT REPAID WILL NEVER BE LESS THAN THE PURCHASE PRICE. HOW MANY CAN I HOLD? YOU MAY HOLD UP TO 50 UNITS (PURCHASE PRICE L500) OF THE RETIREMENT ISSUE. YOU MAY ALSO HOLD CERTIFICATES INHERITED FROM A DECEASED HOLDER. YOU MAY NOT, HOWEVER, PURCHASE FURTHER RETIREMENT ISSUE CERTIFICATES IF INHERITED CERTIFICATES HAVE BROUGHT YOUR HOLDING IN THE ISSUE UP TO OR ABOVE THE LIMIT OF 50 UNITS. RETIREMENT ISSUE CERTIFICATES MAY BE TRANSFERRED ONLY TO PEOPLE OF ELIGIBLE AGE. ARE THEY TAX FREE? ALL REPAYMENTS ARE FREE OF U.K. INCOME TAX AND CAPITAL GAINS TAX. HOW TO CASH THEM? REPAYMENT MAY BE OBTAINED ON WRITTEN APPLICATION, GIVING AT LEAST EIGHT CLEAR WORKING DAYS NOTICE, TO THE DIRECTOR, SAVINGS CERTIFICATE AND S.A.Y.E. OFFICE, DURHAM, =DH99 1NS. REPAYMENT APPLICATION FORMS ARE AVAILABLE FROM MOST POST OFFICES. 5. ULSTER SAVINGS CERTIFICATES ULSTER SAVINGS CERTIFICATES ARE OBTAINABLE ONLY IN NORTHERN IRELAND. THE PURCHASE PRICE, YIELD, MAXIMUM HOLDING AND OTHER CONDITIONS OF ISSUE OF THE PRESENT ISSUES OF ULSTER SAVINGS CERTIFICATES ARE IN MOST WAYS SIMILAR TO THOSE FOR NATIONAL SAVINGS CERTIFICATES. HOWEVER, THE TAX EXEMPTION IS SUBJECT TO CERTAIN CONDITIONS OF RESIDENCE AND DOMICILE. FULL INFORMATION IS AVAILABLE ON REQUEST FROM THE ULSTER SAVINGS COMMITTEE, 58 ROYAL AVENUE, BELFAST =BT1 1DU, OR FROM THE ULSTER SAVINGS BRANCH OFFICE, CROWN BUILDINGS, ARTILLERY ROAD, COLERAINE, CO. LONDONDERRY. 6. BRITISH SAVINGS BONDS WHO CAN HOLD THEM? ALMOST ANYONE INCLUDING A CHILD UNDER SEVEN YEARS MAY HOLD BRITISH SAVINGS BONDS. THEY MAY BE HELD IN YOUR NAME, OR JOINTLY; BY TRUSTEES; BY CHARITABLE, FRIENDLY AND PROVIDENT SOCIETIES; BY CLUBS AND FUNDS; BY CORPORATE BODIES GENERALLY. HOW MANY BONDS MAY I HOLD? 8 1/2 PER CENT BRITISH SAVINGS BONDS (JUBILEE ISSUE) ARE A GUARANTEED STATE SECURITY. THEY COST L5 EACH AND YOU MAY BUY THEM IN BLOCKS OR MULTIPLES OF L5 UP TO A MAXIMUM OF L10,000. BONDS ACQUIRED BY INHERITANCE AND THOSE OF OTHER ISSUES OF BRITISH SAVINGS BONDS DO NOT COUNT TOWARDS THIS LIMIT. WHERE CAN I BUY THEM? BRITISH SAVINGS BONDS MAY BE BOUGHT AT ANY BANK OR SAVINGS BANK POST OFFICE. WHAT INTEREST CAN I EARN? 8 1/2 PER CENT PER ANNUM, PROVIDED THEY ARE HELD FOR A MINIMUM PERIOD OF SIX MONTHS. THE INTEREST, WHICH IS PAID HALF-YEARLY ON 15 JUNE AND 15 DECEMBER, IS LIABLE TO U.K. INCOME TAX BUT IS NOT DEDUCTED AT SOURCE. HOW DO I CASH MY BONDS? THE VALUE OF BRITISH SAVINGS BONDS REMAINS CONSTANT. THEY WILL BE REDEEMABLE AT THE RATE OF L104 FOR L100 OF BONDS ON THE NEXT INTEREST DATE AFTER FIVE YEARS HAVE PASSED FROM THE PURCHASE DATE, OR FOR BONDS PURCHASED ON AN INTEREST DATE, ON THE FIFTH ANNIVERSARY OF THE DATE OF PURCHASE. THE FOUR PER CENT CAPITAL BONUS IS EXEMPT FROM U.K. INCOME TAX AND CAPITAL GAINS TAX. YOU MAY CASH THEM EARLIER AT PAR BY GIVING A MONTH'S NOTICE, BUT IF THEY HAVE BEEN HELD FOR LESS THAN SIX MONTHS ANY INTEREST ALREADY PAID WILL BE DEDUCTED. FORMS ARE AVAILABLE AT BANKS OR AT ANY POST OFFICE TRANSACTING SAVINGS BANK BUSINESS. 7. ULSTER DEVELOPMENT BONDS ULSTER DEVELOPMENT BONDS ARE AVAILABLE ONLY IN NORTHERN IRELAND. THE PURCHASE PRICE, YIELD, MAXIMUM HOLDING AND OTHER CONDITIONS OF ISSUE OF 8 1/2 PER CENT ULSTER DEVELOPMENT BONDS ARE SIMILAR TO THOSE FOR BRITISH SAVINGS BONDS, EXCEPT THAT THEY MAY NOT BE PURCHASED BY A MINOR UNDER 18. THEY MAY BE PURCHASED BY AN OLDER PERSON ON BEHALF OF A MINOR UNDER 18, IN WHICH CASE THE INTEREST IS PAID TO THE PURCHASER WHO IS TAXED ON THIS INCOME. FULL INFORMATION IS AVAILABLE ON REQUEST FROM THE ULSTER SAVINGS COMMITTEE, 58 ROYAL AVENUE, BELFAST =BT1 1DU, OR FROM THE ULSTER SAVINGS BRANCH OFFICE, CROWN BUILDINGS, ARTILLERY ROAD, COLERAINE, CO. LONDONDERRY. 8. PREMIUM SAVINGS BONDS WHAT ARE PREMIUM SAVINGS BONDS? PREMIUM SAVINGS BONDS DIFFER FROM OTHER GOVERNMENT SECURITIES IN THAT, INSTEAD OF INTEREST BEING PAID TO THE INDIVIDUAL BONDHOLDER, A PRIZE FUND IS FORMED FROM WHICH THOUSANDS OF ATTRACTIVE MONEY PRIZES ARE DRAWN EVERY MONTH. HOW MANY BONDS CAN I BUY? PREMIUM SAVINGS BONDS ARE IN UNITS OF L1 BUT ARE SOLD ONLY IN MULTIPLES OF L5, AND THE MINIMUM PURCHASE IS L5. EACH UNIT HAS A SEPARATE CHANCE IN THE PRIZE DRAW. THE MAXIMUM INDIVIDUAL HOLDING IS L2,000. BONDS ARE NOT TRANSFERABLE EITHER DURING THE LIFE-TIME OR ON THE DEATH OF A HOLDER. THEY MAY NOT BE HELD JOINTLY OR BY ORGANISATIONS - ONLY BY INDIVIDUALS. CHILDREN UNDER 16 YEARS MAY NOT BUY PREMIUM SAVINGS BONDS, BUT BONDS MAY BE BOUGHT ON THEIR BEHALF BY A PARENT OR LEGAL GUARDIAN. WHERE CAN I BUY THEM? PURCHASE CAN BE MADE AT ANY SAVINGS BANK POST OFFICE, BANK OR TRUSTEE SAVINGS BANK THROUGHOUT THE COUNTRY. PRIZE DRAWS A PRIZE DRAW IS HELD EVERY MONTH FOR A SINGLE PRIZE OF L100,000 AND ONE PRIZE OF L25,000, PLUS OVER 100,000 PRIZES RANGING FROM L25 TO L5,000. EVERY WEEK THERE IS ALSO A PRIZE OF L50,000, PLUS 25 PRIZES OF L1,000 EACH. A BOND BECOMES ELIGIBLE FOR THE DRAW AFTER BEING HELD FOR A CLEAR THREE CALENDAR MONTHS. IT REMAINS ELIGIBLE UNTIL THE END OF THE MONTH IN WHICH IT IS REPAID. ON THE DEATH OF A HOLDER, A BOND WILL BE ELIGIBLE FOR ALL PRIZE DRAWS HELD IN THE MONTH OF DEATH AND IN THE FOLLOWING 12 MONTHS, UNLESS IT IS REPAID EARLIER. IT WILL THEN BECOME INELIGIBLE FOR ALL FURTHER DRAWS. HOW WILL I KNOW IF I WIN A PRIZE? EACH PRIZEWINNER IS NOTIFIED BY POST IRRESPECTIVE OF THE AMOUNT OF THE PRIZE. THE WINNING NUMBERS ARE AVAILABLE EACH MONTH AT THE LARGER POST OFFICES AND, IN ADDITION, THOSE FOR THE LARGER PRIZES ARE PUBLISHED IN NATIONAL AND LOCAL NEWSPAPERS. PAYMENTS ON CHILDREN'S BONDS PRIZES WON BY BONDS REGISTERED IN THE NAME OF A CHILD UNDER 16 ARE NORMALLY PAID ON BEHALF OF THE CHILD TO THE PARENT OR LEGAL GUARDIAN WHO PURCHASED THE BONDS. SIMILARLY, UNTIL A CHILD REACHES 16, HIS BONDS MAY BE ENCASHED BY THE PURCHASING PARENT OR LEGAL GUARDIAN. WHEN A CHILD HAS REACHED 16 HE ASSUMES FULL CONTROL OF HIS BONDS, AND IS EXPECTED TO SIGN PERSONALLY FOR ANY PAYMENT. CHANGE OF ADDRESS IT IS IMPORTANT TO LET E.R.N.I.E. KNOW IF YOU CHANGE YOUR ADDRESS. FORMS FOR THIS PURPOSE ARE AVAILABLE AT POST OFFICES. WHEN A HOLDER'S CARD HAS BEEN ISSUED, THE BONDHOLDER SHOULD NOTIFY THE CHANGE BY COMPLETING THE REVERSE OF THE CARD AND SENDING IT TO THE BONDS AND STOCK OFFICE. DO I PAY TAX ON A PRIZE? NO. PRIZES ARE EXEMPT FROM U.K. INCOME TAX AND CAPITAL GAINS TAX. HOW CAN I CASH MY BONDS? THE FULL PURCHASE PRICE IS REPAYABLE ON WRITTEN APPLICATION TO THE BONDS AND STOCK OFFICE, LYTHAM SAINT ANNES, LANCS. =FY0 1YN. APPLICATION FORMS FOR PURCHASE OR REPAYMENT ARE AVAILABLE AT ANY POST OFFICE TRANSACTING SAVINGS BANK BUSINESS, BANKS AND TRUSTEE SAVINGS BANKS. 9. SAVE AS YOU EARN SCHEME THIRD ISSUE (INDEX-LINKED) HOW IT WORKS INDEX-LINKED SAVE AS YOU EARN IS A FORM OF REGULAR SAVINGS DESIGNED TO PROTECT SAVINGS FROM THE EFFECT OF RISING PRICES. PEOPLE ENTERING THE SCHEME AGREE TO MAKE 60 REGULAR MONTHLY CONTRIBUTIONS OVER FIVE YEARS. UNLIKE THE PREVIOUS ISSUES OF S.A.Y.E., WHICH PROVIDED A FIXED RATE OF RETURN, THIRD ISSUE S.A.Y.E. IS RELATED TO THE COST OF LIVING. EACH OF THE 60 CONTRIBUTIONS WILL BE SEPARATELY REVALUED IN THE LINE WITH THE MOVEMENTS OF THE U.K. GENERAL INDEX OF RETAIL PRICES (R.P.I.) BETWEEN THE MONTH OF CONTRIBUTION AND THE FIFTH ANNIVERSARY OF THE START OF THE CONTRACT. ANYONE AGED 16 OR OVER CAN SAVE THROUGH S.A.Y.E. HOW MUCH CAN I SAVE WITH S.A.Y.E.? ANY SUM (IN WHOLE POUNDS) FROM L4 A MONTH UP TO A MAXIMUM OF L20 A MONTH. THERE ARE 60 CONTRIBUTIONS TO MAKE SO, IF FOR EXAMPLE YOU CHOOSE TO CONTRIBUTE L10 A MONTH, THE TOTAL SAVED AT THE END OF THE FIVE-YEAR CONTRACT WILL BE L600. THE AMOUNT OF THE MONTHLY CONTRIBUTION REMAINS THE SAME THROUGHOUT THE FIVE YEARS OF A CONTRACT. IF A CONTRACT IS TAKEN OUT FOR LESS THAN L20 A MONTH, FURTHER CONTRACTS MAY BE ADDED SO LONG AS THE TOTAL DOES NOT EXCEED L20 A MONTH. THIRD ISSUE S.A.Y.E. CAN BE HELD IN ADDITION TO CONTRACTS OF EARLIER ISSUES, THE TERMS OF WHICH REMAIN UNCHANGED. HOW MUCH DO I GET BACK? IT DEPENDS ON THE CHANGE IN THE COST OF LIVING, AS MEASURED BY THE MONTHLY R.P.I. EACH MONTHLY CONTRIBUTION WILL BE INDEX-LINKED SEPARATELY FROM THE FIRST OF THE MONTH FOLLOWING PAYMENT. IF YOU DECIDE TO WITHDRAW YOUR SAVINGS AT THE END OF FIVE YEARS, THE 60 REVALUED CONTRIBUTIONS WILL BE ADDED TOGETHER TO ARRIVE AT THE TOTAL REPAYMENT VALUE OF THE CONTRACT. ON THE COMPLETION OF A FIVE -YEAR CONTRACT YOU MAY OPT TO LEAVE THE MONEY INVESTED FOR A FURTHER TWO YEARS. NO FURTHER CONTRIBUTIONS ARE MADE DURING THIS PERIOD. IF YOU CHOOSE TO DO THIS, EACH CONTRIBUTION WILL THEN BE INDEX-LINKED ON THE 7TH ANNIVERSARY OF THE START DATE OF THE CONTRACT. YOU WILL ALSO RECEIVE A TAX-FREE BONUS EQUAL TO TWO MONTHLY CONTRIBUTIONS. IF YOU HAVE BEEN SAVING L10 A MONTH YOUR BONUS WILL BE L20. IF YOU ASK FOR REPAYMENT BETWEEN 5TH AND 7TH ANNIVERSARIES OF THE START DATE OF THE CONTRACT, YOU WILL RECEIVE BACK WHATEVER WAS DUE TO YOU ON THE 5TH ANNIVERSARY. HOW TO START YOU CAN MAKE YOUR MONTHLY PAYMENTS BY STANDING ORDER ON A BANK ACCOUNT (APPLICATION FORM =SA 102 - RED PRINT - AVAILABLE FROM BANKS, INCLUDING TRUSTEE SAVINGS BANKS) OR IN CASH AT THE POST OFFICE COUNTER OR BY NATIONAL GIRO STANDING ORDER (APPLICATION FORM =SA 101 - GREEN PRINT - AVAILABLE FROM POST OFFICES). SOME EMPLOYERS RUN A SCHEME WHEREBY PAYMENTS CAN BE MADE BY AUTOMATIC DEDUCTION FROM PAY EITHER WEEKLY OR MONTHLY (APPLICATION FORM =SA 100 - BLACK PRINT - AVAILABLE FROM YOUR PAY OFFICE). WHAT ABOUT TAX? S.A.Y.E. IS FREE OF U.K. INCOME TAX AND CAPITAL GAINS TAX. MISSED PAYMENTS OR CESSATION OF PAYMENTS A SAVER MAY MISS PAYING HIS MONTHLY CONTRIBUTION ON SIX OCCASIONS. THE EFFECT OF MISSING A PAYMENT IS TO POSTPONE THE WHOLE CONTRACT BY ONE MONTH. IF A PAYMENT IS MISSED ON A SEVENTH OCCASION NO FURTHER PAYMENTS WILL BE ACCEPTED. IN THESE CIRCUMSTANCES, OR IF AT ANY TIME A SAVER DECLARES HIS INTENTION OF MAKING NO FURTHER PAYMENTS, TAX-FREE INTEREST AT 6 PER CENT PER ANNUM WILL BE PAYABLE PROVIDED REPAYMENT IS TAKEN AFTER THE FIRST ANNIVERSARY OF THE STARTING DATE. 10. STOCKS AND BONDS CAN I BUY OTHER GOVERNMENT STOCKS AND BONDS? GOVERNMENT STOCKS AND BONDS ON THE NATIONAL SAVINGS STOCK REGISTER CAN BE BOUGHT AND SOLD AT LOW RATES OF COMMISSION THROUGH THE DEPARTMENT FOR NATIONAL SAVINGS, BONDS AND STOCK OFFICE, LYTHAM SAINT ANNES, LANCS. =FY0 1YN, OR A TRUSTEE SAVINGA BANK. PRICES ARE THOSE CURRENT ON THE STOCK EXCHANGE AT THE TIME OF THE TRANSACTION. APPLICATION FORMS AND INFORMATION LEAFLETS WITH A LIST OF THE STOCKS AND BONDS ARE AVAILABLE AT POST OFFICES TRANSACTING SAVINGS BANK BUSINESS OR A TRUSTEE SAVINGS BANK. 11. NATIONAL SAVINGS GIFT TOKENS GIFT TOKENS, WHICH ARE ISSUED IN ATTRACTIVE GREETING CARDS, MAKE WONDERFUL PRESENTS. YOU CAN BUY THEM FOR L1, L2, AND L5 AT MOST POST OFFICES AND MOST TRUSTEE SAVINGS BANKS. THEY CAN BE EXCHANGED AT ANY SAVINGS BANK POST OFFICE AND MOST TRUSTEE SAVINGS BANKS, FOR SAVINGS CERTIFICATES, BRITISH SAVINGS BONDS OR PREMIUM SAVINGS BONDS, OR USED AS DEPOSITS IN A SAVINGS BANK ACCOUNT. THEY CANNOT BE EXCHANGED FOR CASH. 12. NATIONAL SAVINGS STAMPS NATIONAL SAVINGS STAMPS (10P EACH) WERE WITHDRAWN FROM SALE ON 31 DECEMBER 1976, BUT MAY STILL BE ENCASHED OR REINVESTED. 13. NOMINATIONS ANYONE NOT UNDER 16 YEARS OF AGE MAY NOMINATE ONE OR MORE PERSONS TO RECEIVE AT HIS DEATH THE WHOLE OR ANY PORTION OF THE FOLLOWING PROPERTY WITHOUT LIMIT AS TO AMOUNT: 1. NATIONAL SAVINGS BANK DEPOSITS 2. STOCKS OR BONDS HELD ON THE NATIONAL SAVINGS STOCK REGISTER 3. NATIONAL SAVINGS CERTIFICATES 4. ULSTER SAVINGS CERTIFICATES. ANY OF THESE ITEMS MAY BE DISPOSED OF BY MEANS OF A FORM OBTAINABLE FROM THE DIRECTOR OF SAVINGS AT ONE OF THE FOLLOWING ADDRESSES: FOR ITEM 1 - NATIONAL SAVINGS BANK, GLASGOW =G58 1SB. FOR ITEM 2 - BONDS AND STOCK OFFICE, LYTHAM SAINT ANNES, LANCS. =FY0 1YN. FOR ITEM 3 - SAVINGS CERTIFICATE AND S.A.Y.E. OFFICE, DURHAM =DH99 1NS. FOR ITEM 4 - ULSTER SAVINGS COMMITTEE, 58 ROYAL AVENUE, BELFAST =BT1 1DU. WHEN APPLYING FOR A NOMINATION FORM THE APPLICANT SHOULD STATE WHETHER HE WISHES TO NOMINATE ONE OR MORE PERSONS AS BENEFICIARIES. PREMIUM SAVINGS BONDS, SAVE AS YOU EARN CONTRACTS AND ULSTER DEVELOPMENT BONDS CANNOT BE DISPOSED OF UNDER A NOMINATION. 14. NATIONAL SAVINGS ENQUIRIES THE INFORMATION IN THIS BOOKLET IS CORRECT AT THE TIME OF PRINTING. MORE DETAILED INFORMATION ON ANY OF THE METHODS OF SAVING MENTIONED IN THIS BOOKLET IS OBTAINABLE FROM YOUR LOCAL POST OFFICE OR FROM THE DIRECTOR OF SAVINGS AT THESE ADDRESSES: NATIONAL SAVINGS BANK ORDINARY AND INVESTMENT ACCOUNTS, AND NATIONAL SAVINGS STAMPS: NATIONAL SAVINGS BANK, GLASGOW =G58 1SB. NATIONAL SAVINGS CERTIFICATES, SAVE AS YOU EARN AND GIFT TOKENS: SAVINGS CERTIFICATES AND S.A.Y.E. OFFICE DURHAM =DH99 1NS. PREMIUM BONDS SAVINGS, GOVERNMENT STOCKS AND BRITISH SAVINGS BONDS: BONDS AND STOCK OFFICE, LYTHAM SAINT ANNES, LANCS. =FY0 1YN. ULSTER SAVINGS CERTIFICATES/ULSTER DEVELOPMENT BONDS: ULSTER SAVINGS COMMITTEE, 58 ROYAL AVENUE, BELFAST =BT1 1DU.

KEY TO MIDLAND BANK BRAILLE STATEMENTS. WHEN YOU RECEIVE YOUR BRAILLE STATEMENT YOU WILL ALSO RECEIVE A STANDARD SIGHTED STATEMENT IN THE SAME ENVELOPE. IF A STATEMENT SHEET IS REPRESENTED BY MORE THAN ONE BRAILLE PAGE. THE RELATIVE SIGHTED SHEET NUMBER IS SHOWN ON EACH BRAILLE SHEET FOLLOWED BY THE BRAILLE PAGE NUMBER. STANDARD NARRATIVES ON THE STATEMENT ARE IN GRADE =II BRAILLE BUT NARRATIVES PARTICULAR TO YOUR STATEMENTS ARE IN GRADE =I. YOUR CHEQUES ARE DESIGNATED BY THE SERIAL NUMBER ALONE. THE ITEMS AND BALANCE SHOWN ON YOUR STATEMENTS SHOULD BE VERIFIED AND ANY ENQUIRIES DIRECTED TO YOUR BRANCH. A SIGHTED VERSION OF YOUR BRAILLE STATEMENT, IN THE SAME FORMAT, IS HELD BY YOUR BRANCH TO ASSIST IN DEALING WITH SUCH ENQUIRIES.

WE HAVE PLEASURE IN ENCLOSING A NEW CHEQUE BOOK TEMPLATE, WITH A ROUNDED RIGHT HAND CORNER, TO REPLACE YOUR EXISTING TEMPLATE, WHICH SHOULD NOW BE DESTROYED. THIS HAS BECOME NECESSARY DUE TO MINOR AMENDMENTS TO THE LAYOUT OF OUR CHEQUES. SHOULD YOU HAVE ANY QUERIES PLEASE CONTACT YOUR BRANCH MANAGER.

THIS GUIDE IS ONLY A SUMMARY OF THE SERVICES MIDLAND BANK CAN OFFER ITS CUSTOMERS. YOUR LOCAL BRANCH WILL BE PLEASED TO GIVE YOU FULLER INFORMATION ON REQUEST. OUR SERVICES INCLUDE THE FOLLOWING: CURRENT ACCOUNTS ENABLE YOU TO MAKE PAYMENTS OR DRAW CASH SIMPLY AND SAFELY BY CHEQUE. CHEQUES REQUIRE SOME FORM OF SIGNATURE BUT LEGIBLE SIGNATURES ARE NOT NECESSARY PROVIDED EACH CHEQUE IS SIGNED IN THE SAME DISTINCTIVE WAY. CHEQUE BOOKS CAN CONTAIN PAGES OTHER THAN CHEQUES. ON REQUEST, YOUR LOCAL BRANCH STAFF WILL BE PLEASED TO MARK THESE ADDITIONAL PAGES IN A WAY CONVENIENT FOR YOU. TEMPLATES WHICH FIT OVER CHEQUES TO ASSIST YOU IN MAKING THEM OUT ARE AVAILABLE ON REQUEST WITHOUT CHARGE. STATEMENTS OF CURRENT AND DEPOSIT ACCOUNTS ARE SENT AT REGULAR INTERVALS AND IF YOU ASK US WE WILL BE PLEASED TO SEND A BRAILLE TRANSLATION WITH THE USUAL STATEMENT. THERE IS NO EXTRA CHARGE FOR THIS BRAILLE SERVICE. ESTABLISHED CURRENT ACCOUNT CUSTOMERS CAN APPLY FOR CHEQUE CARDS WHICH GUARANTEE PAYMENT OF CHEQUES UP TO L30. THIS ENABLES YOU TO PAY BY CHEQUE EVEN IF YOU ARE NOT KNOWN TO THE RETAILER OR OTHER PERSON ACCEPTING THE CHEQUE. IN ADDITION CHEQUES CAN BE CASHED AT ANY MIDLAND BANK BRANCH AND AT MOST OTHER MAJOR BANKS IN THE U.K. OR IRELAND WITHOUT PRIOR ARRANGEMENT. THROUGH THE EUROCHEQUE SCHEME MANY EUROPEAN BANKS WILL ACCEPT CHEQUES BACKED BY A CHEQUE CARD. STANDING ORDERS CAN BE USED BY CURRENT ACCOUNT CUSTOMERS, SO THAT ALL REGULAR PAYMENTS SUCH AS RATES, MORTGAGES, INSURANCES AND SUBSCRIPTIONS CAN BE MADE OUT OF YOUR BANK ACCOUNT WITHOUT FURTHER ACTION ON YOUR PART. THE BANK GIRO SYSTEM IS A CONVENIENT WAY OF MAKING PAYMENTS WHEN THE BANK ACCOUNT DETAILS OF THE PERSON TO BE PAID ARE KNOWN. GAS AND ELECTRICITY BOARDS, MANY COUNCILS AND OTHER SUPPLIERS ENCLOSE BANK GIRO CREDIT SLIPS WITH THEIR INVOICES TO SIMPLIFY PAYMENT IN THIS WAY. DEPOSIT ACCOUNTS OFFER A CONVENIENT AND SAFE INTEREST-EARNING WAY TO KEEP MONEY WHICH IS NOT REQUIRED ON A DAY TO DAY BASIS. TRAVEL SERVICES INCLUDE THE ISSUE OF MIDLAND BANK AND THOMAS COOK TRAVELLERS CHEQUES WHICH ARE ACCEPTABLE IN MOST COUNTRIES. YOU CAN ALSO BUY FOREIGN CURRENCY FROM US AND OBTAIN ADVICE ON ANY RESTRICTIONS CURRENTLY IN FORCE ON TAKING STERLING OR FOREIGN CURRENCY ABROAD. OUR SAFE CUSTODY SERVICE ENABLES DOCUMENTS AND PERSONAL VALUABLES TO BE LEFT WITH US FOR SAFE KEEPING. MANY DIFFERENT TYPES OF PERSONAL LENDING AND BUDGET ACCOUNT SCHEMES ARE AVAILABLE TO SUIT THE NEEDS OF OUR CREDITWORTHY CUSTOMERS. THE MIDLAND BANK GROUP OFFERS A WIDE RANGING ADVISORY SERVICE ON SUCH MATTERS AS INSURANCE, INCOME TAX, CARE OF INVESTMENTS AND THE PREPARATION OF WILLS AND TRUSTS. YOUR BRANCH MANAGER WILL BE PLEASED TO HELP YOU ON ANY OF THESE MATTERS, AND IF YOU WOULD LIKE FURTHER INFORMATION PLEASE TELEPHONE YOUR LOCAL BRANCH FOR AN APPOINTMENT WITH HIM.

PRIVATE AUTOMATIC BRANCH EXCHANGE DIRECTORY AND USERS GUIDE. THE BANK'S PRIVATE AUTOMATIC TELEPHONE EXCHANGE IS A MODERN SYSTEM MANUFACTURED BY THORN ERICSSON TELECOMMUNICATIONS LIMITED AND IS KNOWN AS THE =ARD 561/7 CROSSBAR =PABX. THE SYSTEM IS CONNECTED TO THE CARDIFF TELEPHONE EXCHANGE AND WILL SERVE: LOCAL HEAD OFFICE THE HAYES. 121 QUEEN STREET. GREYFRIARS 112 ST. MARY STREET. B.I.S.C.O. THE FOLLOWING USERS GUIDE GIVES INSTRUCTIONS ON HOW TO MAKE FULL USE OF THE FACILITIES PROVIDED. IT SHOULD, HOWEVER, BE REMEMBERED THAT TIME COSTS MONEY. IF THE PERSON REQUIRED IS NOT AVAILABLE, DO NOT HOLD ON, BUT CALL BACK LATER OR LEAVE A MESSAGE FOR HIM TO CALL YOU. 1. TO CALL ANOTHER EXTENSION - LIFT THE RECEIVER. WAIT FOR DIAL TONE (IF YOU DO NOT GET DIAL TONE REPLACE RECEIVER AND DIAL AGAIN AFTER A SHORT PAUSE). DIAL THE NUMBER REQUIRED. 2. TO MAKE A CALL OVER THE PUBLIC NETWORK - LIFT THE RECEIVER. WAIT FOR DIAL TONE. DIAL "9". WAIT FOR A SECOND DIAL TONE. DIAL THE EXCHANGE AND NUMBER REQUIRED. 3. TO CALL THE OPERATOR - LIFT THE RECEIVER. WAIT FOR DIAL TONE. DIAL "0". WAIT FOR THE OPERATOR TO ANSWER. NOTE: THE OPERATOR'S MAIN DUTY IS TO PROVIDE SERVICE TO INCOMING CALLERS AND EXTENSIONS SHOULD, WHEREVER POSSIBLE, OBTAIN THEIR OWN OUTGOING CALLS. THE OPERATOR SHOULD ONLY BE CONNECTED FOR ASSISTANCE. 4. TO HOLD AN OUTSIDE CALL AND MAKE AN ENQUIRY CALL TO ANOTHER EXTENSION - ASK OUTSIDE CALLER TO HOLD WHILE YOU ARE MAKING AN ENQUIRY; INFORM THAT THE LINE WILL GO DEAD WHILE YOU ARE DOING SO AND THAT YOU WILL COME BACK TO HIM AS SOON AS POSSIBLE. PRESS "HOLD" BUTTON ONCE (THE EXTERNAL CALL IS HELD). WAIT FOR DIAL TONE (IT IS NOT POSSIBLE TO MAKE AN ENQUIRY OF ANOTHER EXTERNAL CALL FROM YOUR HANDSET WHILE ONE EXTERNAL CALL IS HELD). DIAL THE EXTENSION NUMBER REQUIRED. MAKE YOUR ENQUIRY (THE EXTERNAL CALLER CANNOT OVERHEAR YOUR CONVERSATION). WHEN YOUR ENQUIRY IS COMPLETE, AGAIN PRESS THE "HOLD" BUTTON AND YOU WILL RETURN TO EXTERNAL CALLER. 5. TO TRANSFER EXTERNAL CALLS (EITHER INCOMING OR ORIGINATED BY YOURSELF) - ASK EXTERNAL CALLER TO HOLD WHILE YOU ARE ARRANGING TO TRANSFER HIM AND INFORM HIM THAT THE LINE WILL GO DEAD WHILE TRANSFER IS BEING CARRIED OUT. PRESS "HOLD" BUTTON ONCE (THE EXTERNAL CALL IS HELD). WAIT FOR DIAL TONE. DIAL INTERNAL NUMBER TO WHOM YOU REQUIRE TO TRANSFER CALL. ENQUIRE OF INTERNAL EXTENSION IF THE EXTERNAL CALL CAN BE ACCEPTED (THE EXTERNAL CALL CANNOT OVERHEAR YOUR CONVERSATION). IF THE CALL CAN BE ACCEPTED, SIMPLY REPLACE YOUR RECEIVER. THE EXTERNAL CALL WILL THEN BE CONNECTED AUTOMATICALLY TO THE INTERNAL EXTENSION. IT CAN, IF NECESSARY, BE TRANSFERRED AGAIN. IF THE CALL CANNOT BE ACCEPTED OR TRANSFERRED TO IF INTERNAL EXTENSION IS ENGAGED, AGAIN PRESS THE "HOLD" BUTTON FOR RECONNECTION TO THE EXTERNAL CALLER. NOTE: INTERNAL CALLS CANNOT BE TRANSFERRED. 6. TO RECALL OPERATOR WHILE CONNECTED TO AN EXTERNAL CALL. - ADVISE EXTERNAL CALLER THAT HE SHOULD HOLD WHILE YOU ARE CONTACTING SWITCHBOARD OPERATOR AND THAT LINE WILL GO DEAD WHILE OPERATOR IS BEING CONTACTED. PRESS "HOLD" BUTTON. WAIT FOR DIAL TONE. DIAL "0". WAIT FOR OPERATOR TO ANSWER AND ADVISE HER OF REQUIREMENTS. IF OPERATOR HAS TO DEAL WITH CALL, REPLACE HANDSET. IF, AFTER SPEAKING TO THE OPERATOR YOU WISH TO CONTINUE WITH CALL PRESS THE "HOLD" BUTTON. 7. NIGHT SERVICE. - WHEN THE SWITCHBOARD IS NOT STAFFED INCOMING CALLS WILL AUTOMATICALLY RING A NIGHT SERVICE BELL ON THE GROUND AND FIRST FLOOR AT THE HAYES. TO ANSWER THE CALL LIFT THE RECEIVER, WAIT FOR DIAL TONE AND DIAL "8". THE INCOMING CALL WILL AUTOMATICALLY BE CONNECTED TO THE TELEPHONE. IF THE CALL IS FOR SOMEONE ELSE, TRANSFER THE CALL USING THE FACILITY AS DESCRIBED IN POINT 5. LOCAL HEAD OFFICE. MR. G.D.W. ROGERS - EXTENSION 191 MR. E.S. TEVERSHAM - 141 MR. A.F.H. RAWLINS - 161 MR. G.G. NEWLANDS - 121 SECRETARIES - 163 ANTE ROOM - 192 ASSISTANT DISTRICT MANAGER (ADVANCES) - 187 DISTRICT MANAGER'S ASSISTANT (ADVANCES) - 142 GENERAL OFFICE (ADVANCES) - 128 GENERAL OFFICE - 223 DISTRICT MANAGER'S ASSISTANT - 158 ASSISTANT DISTRICT MANAGER (STAFF) - 227 DISTRICT MANAGER'S ASSISTANT (STAFF) - 221 STAFF ASSISTANT - 237 STAFF SECTION - 236 DISTRICT MANAGER'S ASSISTANT (PREMISES) - 136 PREMISES DEPARTMENT - 172 DISTRICT MARKETING MANAGER - 233 BUSINESS ADVISORY MANAGERS - 137 BUSINESS - 219 L.H.O. TYPING POOL - 231 INTERVIEW ROOM - 177 STAFF ROOM - 135 MESSENGER'S FLAT - 232: 169: 198; 238. 121 QUEEN STREET. MANAGER - 130 DEPUTY MANAGER - 197 ASSISTANT MANAGER - 167 MANAGER'S ASSISTANT/ACCOUNTANT - 133 SECURITIES - 132 SECURITIES - 196 SECURITIES - 229 FOREIGN DESK - 166 1ST CASHIER - 168 RECEPTIONIST - 199 MACHINE ROOM - 131 MACHINE ROOM - 165 STANDING ORDERS - 195 CHEQUE BOOKS - 228 TYPISTS - 235 SAFE DEPOSIT - 129 CASH CENTRE - 159 THE HAYES. MANAGER - 126 ASSISTANT MANAGER - 218 MANAGER'S ASSISTANT - 176 SECURITIES - 122 SECURITIES - 211 FOREIGN DESK - 156 RECEPTIONIST - 110 MACHINE ROOM - 189 MACHINE ROOM - 226 STANDING ORDERS - 143 TYPISTS - 127 INTERVIEW ROOM - 186 THE GREYFRIARS. MANAGER - 116 MANAGER'S SECRETARY - 180 ASSISTANT MANAGER - 149 MANAGER'S ASSISTANT - 181 SECURITIES - 148 SECURITIES - 179 FOREIGN DESK - 147 RECEPTIONIST - 113 MACHINE ROOM - 178 MACHINE ROOM - 213 STANDING ORDERS - 146 TYPISTS - 179 112 ST. MARY STREET. MANAGER - 150 ASSISTANT MANAGER - 151 MANAGER'S ASSISTANT - 188 SECURITIES - 118 SECURITIES - 152 FOREIGN DESK - 183 RECEPTIONIST - 162 INTERVIEW ROOM - 119 MACHINE ROOM - 117 MACHINE ROOM - 182 STANDING ORDERS - 120 JUNIOR DESK - 216 WAITING ROOM - 217 AUXILIARY MACHINE ROOM - 153. 91 ST. MARY STREET. B.I.S.C.O. - 170. B.I.S.C.O. - 220

LEICESTERSHIRE COUNTY COUNCIL J. CAUSER. NTH. WEST. =ZT905599=C PLEASE QUOTE =A/9874 =C4737 IN ALL ENQUIRIES. BASIC PAY L203.75 PAY AND ALLOWANCES L203.75 NATIONAL INSURANCE: L11.21 INCOME TAX: L24.15 SUPERANNUATION: L11.97 DEDUCTIONS: L47.33 NET PAY L156.42 TAX CODE 146 =L TAX PERIOD 07 PAID ON 30 OCT. 75 PAID BY BANK CREDIT. COUNTY TREASURER, COUNTY HALL, GLENFIELD, LEICESTER, =LE3 8=RB

WE HAVE PLEASURE IN ENCLOSING A NEW CHEQUE BOOK TEMPLATE, WITH A ROUNDED RIGHT HAND CORNER, TO REPLACE YOUR EXISTING TEMPLATE, WHICH SHOULD NOW BE DESTROYED. THIS HAS BECOME NECESSARY DUE TO MINOR AMENDMENTS TO THE LAYOUT OF OUR CHEQUES. SHOULD YOU HAVE ANY QUERIES PLEASE CONTACT YOUR BRANCH MANAGER.

OPEN-ENDED PENSION ANNUITY FROM UNITED KINGDOM PROVIDENT. R.J. DAVIES, ESQ. FOR A MALE LIFE. AGE NOT EXCEEDING 45 ATTAINED. AN ANNUAL INVESTMENT OF L150 LESS INCOME TAX RELIEF AT 35 PERCENT L52.50 NET ANNUAL INVESTMENT L97.50 YOUR TOTAL NET INVESTMENT WILL BE AT AGE 60 (L97.50 TIMES 15 PAYMENTS) L1,462.50 AT AGE 65 (L97.50 TIMES 20 PAYMENTS) L1,950.00 THE PENSION IS PAYABLE YEARLY IN ARREAR, CEASING ON DEATH. (THE FIRST FIGURES GIVEN ARE FOR AGE 60 AND THE SECOND FOR AGE 65) BASIC ANNUAL PENSION: 240.81: L391.39. ASSUMING THE PRESENT RATES OF BONUS AND IMMEDIATE ANNUITY RATES ARE MAINTAINED, THE POLICY WILL PROVIDE. EITHER OPEN-ENDED PENSION: L306.33: L468.76 ORDINARY BONUSES: L270.79: L623.45 TERMINAL BONUSES: L67.69: L155.86 TOTAL PENSION: L644.81: L1248.07 OR TAX-FREE CASH L1478.00: L2,830.00 AND REMAINING ANNUAL PENSION: L446.59: 836.58. THE PENSION IS PAYABLE MONTHLY IN ADVANCE FOR 5 YEARS CERTAIN AND THE REMAINDER OF LIFE THEREAFTER. THIS MAY BE PROVIDED BY: (1) TAKING A REDUCED ANNUAL PENSION AT RETIREMENT. (2) USING THE RETURN OF YOUR CONTRIBUTIONS ON YOUR DEATH BEFORE RETIREMENT. (3) PURCHASING A SEPARATE ANNUITY FOR HER. THE ESTIMATED PROFITS OR BONUSES ARE NOT GUARANTEED AND ASSUME THAT THE CURRENT RATES EARNED BY THE FUND WILL CONTINUE. THESE RATES ARE AN ORDINARY BONUS OF L4.50 PERCENT P.A. COMPOUNDED EVERY THREE YEARS PAYABLE ON THE PENSION ANNUITIES AND A TERMINAL BONUS OF 25 PERCENT OF ALL BONUSES PAYABLE AT PENSION AGE. TAX RELIEF AT THE CURRENT BASIC RATE OF TAX HAS BEEN ASSUMED THROUGHOUT; HIGHER RATE OF TAX RELIEF IS ALLOWABLE IF PAID. THIS QUOTATION DATED 23RD JANUARY, 1976. 1. THE OPEN-ENDED PENSION ANNUITY MAY BE EFFECTED ONLY BY THE SELF-EMPLOYED OR THOSE FOR WHOM NO PENSION ARRANGEMENTS HAVE BEEN MADE. 2. THE POLICY IS APPROVED UNDER SECTION 226 OF THE INCOME AND CORPORATION TAXES ACT 1970. 3. THE POLICY WILL SHOW BENEFITS FOR YOUR RETIREMENT AT AGE 70 WITH THE PENSION ANNUALLY IN ARREAR. HOWEVER, YOU MAY RETIRE AT ANY TIME BETWEEN AGE 60 AND 70 AND THE POLICY WILL ALSO SHOW HOW THE BENEFITS TAKEN BEFORE AGE 70 ARE CALCULATED. 4. THE MAXIMUM TAX-FREE CASH THAT MAY BE TAKEN MUST NOT EXCEED THREE TIMES THE REMAINING ANNUAL PENSION PAYABLE YEARLY IN ARREAR. 5. PENSIONS PAYABLE ON RETIREMENT WILL NORMALLY BE TAXED AS EARNED INCOME. 6. THE ANNUAL CONTRIBUTION MUST NOT EXCEED L1500 OR 15 PERCENT OF EARNED INCOME, WHICHEVER IS LESS. THESE LIMITS ARE NORMALLY INCREASED FOR PEOPLE BORN BEFORE 1916. 7. PREMIUMS MAY BE PAID ANNUALLY, HALF-YEARLY, QUARTERLY OR MONTHLY BY BANKERS ORDER. THE BENEFITS ARE REDUCED BY 5 PERCENT IF THE PREMIUMS ARE PAYABLE OTHER THAN ANNUALLY. THE MINIMUM PREMIUM IS L50.