AER stands for Annual Equivalent Rate which is a notional rate that illustrates what the interest rate would be if interest was paid and compounded once each year. Gross means the contractual rate of interest payable before deduction of income tax at the rate specified by law (’the specified rate’) i.e. the rate of interest payable without UK income tax being deducted. Rates are illustrative only and have been rounded to two decimal places. Tax-Free is the contractual rate of interest payable where interest is exempt from income tax. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

*Terms and Conditions: 1. Offer open to new home insurance customers only and may not be used in conjunction with any other offer. 2. Offer may be withdrawn or amended at anytime. 3. 10% off a buildings and/or contents premium is valid for the first year of the policy only. 4. Quotes must be obtained by 29 February 2012.