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FIRST ACTIVE - www.firstactive.co.uk

First Active plc is a Royal Bank of Scotland Group company with a long history of providing successful and innovative mortgages in Ireland. Now the benefits of First Active mortgages are available to people in England, Scotland and Wales.

First Active is known for its innovative products, most recently the First Active Current Account Mortgage™. This product is very successful as it allows the customer to save thousands in interest repayments and knock years off the mortgage term.*

While First Active operates primarily in the Republic of Ireland the Company also provides retail savings and investment products in Guernsey, Channel Islands.

First Active in Ireland has a tied agency agreement with Friends First for the sale of life assurance and pension products and sells general insurance products as an agent for Royal & Sun Alliance.

First Active holds a banking licence and is regulated by the Irish Financial Services Regulatory Authority.

First Active plc is a member of The Royal Bank of Scotland Group.

First Active offer the following different mortgage types:

SPOTLIGHT MORTGAGE

• Special low–start deal
• Offers the lowest starting payment
• Rate increases over the deal period as you can afford to pay more
• Ideal if you're expecting your income to increase in the coming years
• Early repayment charges apply if you repay your mortgage during the deal period

FIXED RATE MORTGAGE

• Pay the same each month for a set period
• No need to worry about what happens to interest rates
• The shorter your fixed period, the lower the interest rate you'll pay
• When your deal ends, your interest rate will only go up or down with the Bank of England rate
• Early repayment charges apply if you repay your mortgage during the deal period

DISCOUNT MORTGAGE

• Special offer – all our discount mortgages either match or beat the Bank of England rate
• Choice of discount periods – 2 years, 3 years or until July 2010
• Your interest rate will only go up or down with the Bank of England rate
• When your discount ends, you'll pay one of the lowest long-term rates on the market
• Early repayment charges apply if you repay your mortgage during the deal period

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