Investor Relations

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FAQs

If you would like up-to-date on-line information on your shareholding visit the Registrar website.

Please have your unique Securityholder Reference Number (SRN) handy in order to be able to access your information. This number can be found on your Tax Voucher. Note that the SRN begins with one alphabetical character (eg "I" for Indigo or "C" for Charlie or "G" for Golf), followed by 10 numerical digits.

Registrar

Who is your Registrar?

The Registrar is Computershare Investor Services PLC. You can write to them at: Computershare Investor Services PLC, PO Box 1913, The Pavilions, Bridgwater Road, Bristol BS99 2PR.

For information about your shareholding and Bradford & Bingley Shares, as well as many of the forms you may require in connection with your shareholding visit the Registrars website You will need to have your SRN handy so that you can access your personal information.

You can call the Registrar’s helpline if you need further information in relation to your Shares, on 0844 472 6003. This helpline is open from Monday to Friday, 8.30am to 5.30pm.

Why might I need to contact the Registrar?

You should contact the Registrar if you:

• Have any queries about your shareholding
• Have any queries about your dividends
• Lose your nominee statement
• Change your address
• Change your name
• Wish to transfer your Shares into someone else’s name or into joint names
• Want to obtain a copy of the Annual Report & Accounts

How do I check my shareholding details on-line?

You can obtain information about your shareholding and Bradford & Bingley plc Shares, as well as many of the forms you may require in connection with your shareholding, from the Registrar website.

You will need to have your SRN (see above) handy so that you can access your personal information.

You can call the Registrar’s helpline if you need further information in relation to your Shares, on 0844 472 6003. This helpline is open from Monday to Friday, 8.30am to 5.30pm

Can I transfer my Shares by way of a gift?

You can, if you wish, transfer your Shares into someone else’s name by way of a gift. Alternatively, you may wish to add another person’s name to your holding to make him or her a joint holder. Up to three additional names can be added. If you choose to do so, you should note that many documents relating to your shareholding will need to be signed by all joint holders.

In order to transfer your Shares by way of a gift, either into someone else’s name or to add joint holders, you will need to complete an internal Transfer Form or a Stock Transfer Form and send it to the Registrar.

If you would like to gift your Shares to a registered charity, please contact the Registrar’s helpline on 0844 472 6003 for further information.

Who do I notify if I change my name or address?

For address changes, please write to the Registrar quoting your Securityholder Reference Number (SRN), which is shown on your Nominee Statement or your Tax Voucher. Please detail your old and new address in the correspondence. For name changes, please write to the Registrar enclosing an original or copy, certified by a solicitor, bank or notary, of a document showing your new name.

Please note that this will only change the details held by the Registrar. If you are also a Bradford & Bingley customer, you will need to advise your branch of these changes separately.

Can I change the way my shares are held?

If you wish to withdraw from the Bradford & Bingley Nominee Account and receive a Share Certificate, you should complete a Nominee Account Withdrawal Form and send it to the Registrar. An administration fee of £10 will be charged for withdrawals, and you should enclose a cheque made payable to Computershare Investor Services PLC with your form.

Dividends

When does Bradford & Bingley pay a dividend?

Under normal circumstances Bradford & Bingley plc will pay a dividend twice a year in May and October.

Will I be liable to pay tax on dividends?

Dividends on UK shares are subject to income tax. If you only pay income tax at either the starting or basic rate, the tax credit attached to the dividend means that you have no further tax to pay. However, if you pay tax at a higher rate, you may pay extra tax on your dividends. If paid by cheque a Tax Voucher will be sent to you at the time your dividend is paid, for mandated holders a Consolidated Tax Voucher will be sent with the interim dividend. If you are a non-taxpayer, tax credits on dividends are not repayable to you.

How will I receive my dividends?

Dividends will be paid to you by cheque to the address held by the Registrar or they can be credited to a suitable bank or building society account.

Can I change the method of payment of my dividends?

Yes. Complete the mandate form issued with your last dividend cheque or download a form which is available via the Registrar website. Also your dividend can be paid into a bank or building society account in the future.

You will need to have your SRN (see above) handy so that you can access your personal information.

Share Dealing

How can I buy or sell Bradford & Bingley Shares?

All Shareholders can buy or sell Shares using the Bradford & Bingley Telephone Share Dealing Service. This service is provided by our Registrars, Computershare, and is available by telephoning 0844 472 6003. You should have your Securityholder Reference Number (SRN) ready when making the call. The fees for using this service are 0.5% of the value of the transaction, subject to a £20 minimum.

An Internet Share Dealing Service has also been established with our Registrars. To access the service log onto www.computershare.com/dealing/uk. You should have your SRN ready when accessing this service and a bank debit card will be required for purchases. The fees for using this service are 0.5% of the value of the transaction, subject to a £15 minimum.

In addition, if your Shares are held in the Bradford & Bingley Nominee Account you can buy or sell Shares through the Bradford & Bingley Nominee Share Dealing Facility.

This is a postal facility and is operated by the Registrar. A Purchase Instruction Form and a Sale Instruction Form are included in the Welcome Pack that is sent to shareholders at the time that they first purchase Shares. Further forms can be obtained from the Registrar. You cannot give instructions over the phone, by facsimile or via email, and your instructions must be sent to the Registrar - please do not take or send the forms to any Bradford & Bingley branch or office.

If you wish to purchase additional Shares, you should complete a Purchase Instruction Form and return it in the reply paid envelope supplied, together with a cheque for the amount you wish to invest, made payable to Computershare Investor Services PLC. You should note that the appropriate charge, detailed below will be deducted from this amount before the Shares are purchased.

If you wish to sell all or some of your Shares, you should complete a Sale Instruction Form and return it in the reply paid envelope. You should note that the appropriate charge, detailed below, will be deducted from your sale proceeds and a cheque for the balance will be sent to you.

The charges for using this facility are as follows:-

• Buying Shares - 0.3% of purchase amount, minimum £15.
• Selling Shares - 0.3% of sale proceeds, minimum £15.

This facility is only available in respect of Shares held in the Bradford & Bingley Nominee Account. If you hold Shares in any other way, e.g. by a share certificate, you will not be able to use this facility, but you can buy or sell Shares through the Telephone Share Dealing Service, a stockbroker or other share dealing service.

Where are the Bradford & Bingley Shares traded and what is the ticker symbol?

Bradford & Bingley Shares are traded on the London Stock Exchange and the ticker symbol is BB.L.

Can I donate some or all of my Shares to charity?

You can, if you wish, transfer your Shares into someone else's name by way of a gift. Alternatively, you may wish to add another person's name to your holding to make him or her a joint holder. Up to three additional names can be added. If you choose to do so, you should note that many documents relating to your shareholding will need to be signed by all joint holders.

In order to transfer your Shares by way of a gift, either into someone else's name or to add joint holders, you will need to complete an Internal Transfer Form or a Stock Transfer Form and send it to the Registrar.

If you would like to gift your Shares to a registered charity, please contact the Registrar's helpline on 0844 472 6003 for further information.

Announcements

When does Bradford & Bingley announce its financial results?

In normal circumstances Bradford & Bingley will announce its annual results in February each year, and its interim results in August. Please access the Events Calendar for more information.

When is the next Annual General Meeting?

The Annual General Meeting is held in April. Details will be included in the Annual Report information to be issued in March if you have chosen to receive this.

Do I lose my vote if I don’t attend the AGM?

No. During March all certificated shareholders and those shareholders in the Nominee that have so requested will receive a mailing pack including a formal notice of the AGM, and a voting form that will enable you to vote by post if you are unable to attend the meeting. You need to complete and return the voting form by a specified date before the AGM. You may also be able to appoint someone to attend the AGM and vote on your behalf, your "proxy".

Full details and instructions are given in the pack, which also includes either a full Annual Report & Accounts or a Summary Financial Statement. Also, shareholders will be able to submit their proxy votes via the internet. Details will be included in the mailing pack containing the AGM Notice of Meeting.

Will I automatically receive a voting form and the Annual Review/Summary Financial Statement?

If you hold your shares in certificated form you will automatically receive a proxy voting form, AGM Documents and the Annual Review/Summary Financial Statement or the Annual Review and Accounts.

If you hold your shares in the Bradford & Bingley Nominee Account you will be given the opportunity to choose whether you wish to receive the Annual Review/Summary Financial Statement and associated voting form and AGM documents.

Also you can elect to “receive” your documents and vote via the web. To do this you need to register your email address via the Registrar website.

You will need to have your SRN (see above) handy so that you can access your personal information.

General

What was the original Share price when Bradford & Bingley floated?

247.86 pence per ordinary 25p Share.

What action should be taken if a shareholder dies?

Telephone the Registrar on 0844 472 6003. They will advise which documents are required and what action should be taken.

What should I do if I think that I am eligible for Shares from Conversion but have not yet claimed them?

As part of the demutualisation of Bradford & Bingley Building Society and pursuant to the terms of the Transfer Agreement, Bradford & Bingley plc sold all remaining unclaimed shares in March 2004.

Following the sale of the unclaimed shares, eligible claimants are entitled to claim the proceeds from the sale of the shares plus accumulated dividends (less the cost of selling the shares) for a period of nine years following the date of the sale. No interest will be payable.

If you believe you have a valid claim, please contact the Registrars, Computershare Investor Services PLC on 0844 472 6003, or email share.services@bbg.co.uk.

How do I get a copy of the Annual Report and Interim Results announcement?

You can either download copies from this website or telephone 0844 472 6003.

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