The free offsetting offer is only available until 6th August. If you wish not to receive emails from Standard Life Bank again please email slbmkt_comms@standardlife.com. Written quotations available. Security required. Mortgages available to UK residents aged between 18 and 62, subject to status and to terms and conditions. Typical Freestyle 6 month discount example, where no contribution is made to fees and Cash Reserve is not available - 49% mortgage: Purchase Price £210,000, interest only mortgage of £100,000 taken over 25 years, charged at 3.60% discounted variable rate for 6 months, then 5.85% Freestyle Standard Variable Rate. 6 monthly payments of £320.83 gross, then 294 monthly payments of £487.50 gross. Total amount payable £245,543.00 including example valuation fee £140, solicitors' fee £200, CHAPS fee £28. APR (variable) of 6.0% calculated over the term of the mortgage. If redeemed in month 12, charge of £1,458.49 applies plus Redemption Discharge fee of £150 if mortgage is redeemed and taken out with another lender. If Offsetting Reserve Facility is selected, additional arrangement fee of £150 is payable but APR will remain at 6.0%. Rates correct at 19 July 2004 and subject to variation. Drawdowns, payment holidays, overpayments and equity release are subject to status, terms & conditions. Payment holidays allowed after first 6 months' payments made, charged at the appropriate variable rate and are subject to ability to pay and available equity. For interest only mortgages, you must arrange a suitable repayment vehicle. For all mortgages it is strongly recommended you have suitable life assurance cover. Standard Life Bank Limited (SC173685), 30 Lothian Road, Edinburgh EH1 2DH is authorised and regulated by the Financial Services Authority.

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YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.