§ Mr. Stephen O'Brien
To ask the Chancellor of the Exchequer (1) what the take up rate was in the last five years of PEPs and TESSAs for individuals earning up to(a) £10,000, (b) £15,000, (c) £20,000, (d) £25,000, (e) £30,000 and (f) over £30,000; 
(2) what the take up rate was for the last five years of PEPs and TESSAs for individuals in each of the income tax bands that applied to earnings at this time; 
(3) What the take up rate for ISAs has been for each year since introduction for individuals in each of the income tax bands that applied to earnings during this period. 
§ Ruth Kelly
Estimates are not available in the terms specified or for all time periods, but those estimates that are available are contained in the following table.
This compares the holding of TESSAs or PEPs in 1998–99, the last year when subscriptions could be made to these products, with the first three years of ISAs.
The estimates are based on the Family Resources Surveys 1998–99 to 2001–02 and relate to those reporting holding these products, as the Survey does not separately identify those who are subscribing to them in the year. As take-up built during the first three years of ISAs the total number reporting holdings is lower than that suggested from administrative sources, particularly in 1999–2000.
Note that the earnings group 'Less than £10,000' includes individuals with no reported earnings; many in this group will be pensioners.
Percentage of individuals holding a TESSA or PEP in 1998–99 compared with the percentage of individuals holding an ISA in 1999–2000 to 2001–02 Annual earnings (lower limits, £) TESSA or PEP 1998–99 ISA 1999–2000 ISA 2000–01 ISA 2001–02 Less than £10,000 15% 7%, 15% 20% £10,000–£14,999 15% 8% 16% 19% £15,000–£19,999 17% 9% 18% 22% £20,000–£24,999 22% 10% 22% 25% £25,000–£29,999 24% 13%, 25% 31% Over £30,000 33% 14% 31% 37%