Revised Special Terms & Conditions

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1 Call: * Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) us: Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS, PO Box 1279, Newcastle upo Tye, NE99 5BR Revised Special Terms & Coditios Or visit us olie at: *Please ote that we may moitor ad record telephoe calls for traiig, security ad moitorig purposes. **We will respod to your s withi 2 busiess days. Vaquis Bak High Yield is issued by Vaquis Bak Limited registered i Eglad & Wales with compay umber , with its registered office at No. 1 Godwi Street, Bradford, West Yorkshire, Uited Kigdom, BD1 2SU. Vaquis Bak Limited is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority ad is etered i the Fiacial Services Register uder umber Details are correct as at time of prit (December 2013). VAN010

2 Special Coditios for Vaquis Bak High Yield Accout (Issue 1) These Special Coditios must be read i cojuctio with Vaquis Bak s Geeral Terms ad Coditios for Fixed Term Savig Accouts ( the Geeral Coditios ). I the case of a coflict betwee these Special Coditios ad the Geeral Coditios, these Special Coditios apply. 1. The Accout may oly be opeed by olie applicatio ad is oly available: to persoal ivestors aged 18 years ad over who are UK residets. Accouts may be applied for i joit ames by two idividuals both of whom must be aged 18 years or over ad UK residets. 2. The Accout is for a fixed term ad pays a fixed rate of iterest. The legth of the term ad the rate of iterest will be stated o our website at the time of your applicatio ad will be stated i a Cofirmatio Fudig Letter cotaiig details of your deposit, accout umber ad maturity date, which we will sed to you oce we have received your deposit ad opeed your Accout. 3. For both sole ad joit Accouts, the miimum deposit is 1,000 ad the maximum is 250,000. I accordace with Geeral Coditio 2.1, your deposit must be made i sterlig by a sigle cheque or a sigle electroic paymet: (a) i the case of a sole Accout, from a bak or buildig society accout i your ame or i the case of a joit bak or buildig society accout from a accout o which you are amed; ad (b) i the case of a joit Accout from a bak or buildig society o which at least oe of the joit Accout holders is amed. Your deposit must be made withi 30 days of the date of your applicatio. Deposits may ot be made by persos other tha the Accout holder(s). Deposits may oly be made from a UK persoal bak or buildig society accout. Deposits sought to be made by persos other tha the Accout holder(s) ad/or from a o-uk bak or buildig society accout will be retured without iterest. 4. Each Accout will be a limited issue, ad will therefore be subject to availability. If the issue becomes fully subscribed betwee the date we receive your applicatio ad the date we receive your deposit ad/or ay ecessary proof of idetity ad residecy documets, we will ot ope a Accout for you ad will retur the amout of your deposit without iterest. We may discotiue or stop opeig ew accouts without tellig you. 5. Oce your Accout is opeed, you will ot be able to add ay more moey to it ad (except as permitted uder Special Coditio 7 below) you will ot be able to withdraw ay moey from it util your Accout matures at the ed of the Accout term. If, whe your Accout matures, we automatically re-ivest the moey i it i a follow-o accout uder Special Coditio 6, similar restrictios o additios ad withdrawals will apply to the follow-o accout. 6. Your Accout will mature at the ed of the Accout term o the specified maturity date. Prior to maturity of the Accout, we will write to you at least 3 weeks before the specified maturity date, tellig you that your Accout is about to mature ad givig you the optio either to withdraw the moey from your Accout or to re-ivest it i aother Fixed Term Savig Accout with us. If we do ot receive istructios from you at least two days prior to the maturity date, we will automatically re-ivest all the moey i your Accout i a follow-o accout. The follow-o accout will be the Fixed Term Savig Accout from the rage we are the offerig to ew customers which we reasoably cosider to be the closest match to the matured Accout ad shall ot be for a term loger tha the term of your matured Accout. I the evet that o such accout is available, the moey will be placed i a istat access accout. 7. Util your Accout matures, withdrawals will oly be permitted: (a) o your death, if you are a sole Accout Holder; or (b) o your bakruptcy; or (c) i other exceptioal circumstaces at our discretio. We may request such evidece of death, bakruptcy or exceptioal circumstaces as we may reasoably require before permittig ay such withdrawal prior to maturity of your Accout. 8. If upo maturity you wish to close your Accout, the moey i the Accout will oly be paid i sterlig by electroic meas to a omiated accout held i the same ame or ames as the matured Accout. The omiated accout must be a UK persoal bak or buildig society accout. 9. You may istruct us i your applicatio whether you wish to have iterest o your Accout paid aually or mothly, ad whether you wish the iterest to be added to the moey i your Accout, paid ito a separate UK bak or buildig society accout held i your ame or (for a joit Accout) ames, or paid ito a UK bak or buildig society accout held i the ame of a third party. By writig to us or amedig olie the details we hold for you, you may at ay time: (a) chage the frequecy of your iterest paymets from mothly to aually ad vice versa; or (b) chage the UK bak or buildig society accout to which iterest paymets are made. 10. You must tell us immediately if you become residet outside the UK durig the life of your Accout ad provide us with such evidece of this as we may reasoably require. Should you do so your Accout will be closed forthwith ad we will repay the moey i it to you, via electroic meas (which will be by BACS paymet), with iterest. 2 3

3 Call: * Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) us: Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS, PO Box 1279, Newcastle upo Tye, NE99 5BR Geeral Terms & Coditios Or visit us olie at: *Please ote that we may moitor ad record telephoe calls for traiig, security ad moitorig purposes. **We will respod to your s withi 2 busiess days. Vaquis Bak High Yield is issued by Vaquis Bak Limited registered i Eglad & Wales with compay umber , with its registered office at No. 1 Godwi Street, Bradford, West Yorkshire, Uited Kigdom, BD1 2SU. Vaquis Bak Limited is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority ad is etered i the Fiacial Services Register uder umber Details are correct as at time of prit (July 2015). VAN006

4 Geeral Terms ad Coditios for Fixed Term Savig Accouts Where there is a coflict betwee these Geeral Terms ad Coditios for Fixed Term Savig Accouts (the Geeral Coditios ) ad the Special Coditios, the Special Coditios will prevail. All dates show apply to close of busiess o the day i questio. 1.0 Defiitios ad geeral iformatio 1.1 I these Geeral Coditios: Accout meas the fixed term savig accout you hold with us. Busiess Day meas ay day except Saturdays, Sudays ad Eglish Bak Holidays. Our Cotact Address meas High Yield Vaquis Bak, Freepost RSGY- CKJA-BKCS, PO Box 1279, Newcastle Upo Tye, NE99 5BR. Providet Fiacial Group meas us, Vaquis Bak, our ultimate holdig compay, Providet Fiacial plc (Compay Number ) (whose registered office is at No.1 Godwi Street, Bradford, West Yorkshire, Uited Kigdom, BD1 2SU) ad all subsidiaries of Providet Fiacial plc. Special Coditios are the particular terms ad coditios for your Accout. Terms ad Coditios are the terms of the cotract betwee Vaquis Bak Limited ad you, comprisig these Geeral Terms ad Coditios for Fixed Term Savig Accouts, the Special Coditios ad ay letter we sed you cofirmig the particular terms o which your Accout has bee opeed (for example, the rate of iterest payable ad the legth of the term for which the Accout will be held). We are Vaquis Bak Limited. Our mai busiess is to provide credit cards to, ad take deposits from, idividuals i the UK. 1.2 The address at which we are established is No.1 Godwi Street, Bradford, West Yorkshire, BD1 2SU. However, if you wish to cotact us o ay matter relatig to your Accout, please write to us at our Cotact Address. 1.3 Our mai busiess is the provisio of credit cards to, ad the acceptace of deposits from, idividuals i the UK. We are authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. We are etered o the Fiacial Services Register ad our registratio umber is We are providig you with a Fixed Term Savig Accout. Uder the Special Coditios, your right to make additios to, or withdrawals from, the Accout, is restricted or excluded as there stated. 1.5 We will have the use of your deposit durig the time your Accout is ope, but we make o separate charge for providig the Accout. 1.6 All commuicatios from us to you (icludig the documets cotaiig the Terms ad Coditios) will be i Eglish. 2.0 Applicatios ad Deposit 2.1 To ope a Accout you must sed your deposit ad complete your applicatio olie. Deposits may be made oly i sterlig by meas of a sigle cheque or a sigle electroic paymet. Whe a deposit is made by cheque, it will ormally ear iterest from the secod busiess day after we receive it (see Geeral Coditio 2.2 for further details). Whe a deposit is made electroically such as a iteret paymet or stadig order or by aother automated meas of paymet, iterest is paid from the day of receipt. We reserve the right to reject ay applicatio at our discretio. I the evet that we reject your applicatio for ay reaso, we shall retur ay deposit received from you without iterest. 2.2 If your iitial deposit is made by cheque or if where permitted by the Special Coditios you make subsequet additios to your Accout by cheque, the clearace of the cheque will at all times be subject to the rules, ad clearig processes, of ay cheque clearig system(s) used by us. 2.3 Cofirmatio will be issued whe your Accout is opeed, or your applicatio is rejected. 3.0 Moey Lauderig Regulatios 3.1 Wheever you commece a busiess relatioship with us, we are required by law to obtai ad verify details of your idetity, address ad source of wealth. We may do this electroically, usig idetificatio verificatio referece databases, or ask you for documetary evidece. We will check these details at the time you submit your applicatio ad may coduct further checks at ay time durig your busiess relatioship with us. We reserve the right to delay or declie the processig of your applicatio or istructios util we have received satisfactory evidece of idetity, residecy ad/or source of wealth. 3.2 I the evet that whe you make your applicatio we are uable to cofirm your idetity, residecy, ad/or source of wealth to our reasoable satisfactio ay sum tedered by you as a deposit will be retured without iterest to the accout from which it origiated. 4.0 Your Persoal Iformatio 4.1 We will hold iformatio about your Accout(s) for busiess aalysis, fraud prevetio ad to keep your 2 3

5 records accurate ad up-to-date. Vaquis Bak will treat your persoal iformatio as private ad cofidetial (eve whe you are o loger a customer) ad we will ot disclose ay of these details uless: we are compelled to do so by law; there is a duty to the public to disclose them; we are permitted to disclose them uder Geeral Coditio 4.4; you request us to disclose them; or our iterests require us to disclose them (for example to prevet fraud). If you wish to request us to disclose your persoal iformatio, please put your request i writig ad address it to us at our Cotact Address. 4.2 We ad other compaies i the Providet Fiacial Group may also use your iformatio: to maage your Accout(s); to give you statemets ad provide our services; for assessmet ad aalysis (icludig behavioural scorig, market ad product aalysis ad market research); to prevet ad detect fraud, moey lauderig, ad other crime; to carry out regulatory checks ad meet our obligatios to ay relevat regulatory authority; to develop ad improve our services to you ad other customers; ad to protect our iterests. 4.3 We may cotact you by post, telephoe, or mobile text ad/or voice messagig service about products or services relatig to your Accout or applicatio. 4.4 We may disclose the iformatio we hold about you ad how you maage your Accout to the followig: other compaies i the Providet Fiacial Group ad our relatioship parters; our agets, processors ad sub cotractors; ay of our approved suppliers; the police, if required by law; your advisers where authorised by you ad to ay other perso otified by you as authorised to give istructios or to use your Accout or product or services o your behalf; ay relevat regulatory authority, if required by law; ay third party as a result of the restructure, sale or acquisitio of ay compay withi the Providet Fiacial Group; ad/or ayoe to whom we trasfer or may trasfer our rights ad duties uder this agreemet. If you were itroduced to us by a third party, we may give them your cotact details ad sufficiet iformatio about you for their ow busiess ad statistical aalysis. This may iclude specific iformatio about whether we declied or approved your applicatio ad how you use ad maage your Accout. 4.5 Where you coset, we may sed you marketig iformatio or cotact you i relatio to the Providet Fiacial Group ad for marketig purposes about other products ad services that may be of iterest to you, icludig savigs products ad carefully selected parter products for idetity theft, geeral isurace, bakig, multi discout membership products or customer reward programmes ad other relevat products or services. We will do this by post, telephoe, automated diallig, , mobile text ad/or voice messagig service, or other forms of commuicatio. We may do this followig the closure of your Accout. 4.6 If you do ot wat Your Iformatio to be used for marketig purposes, please write to High Yield Vaquis Bak, FREEPOST RSGY-CKJA-BKCS, PO Box 1279, Newcastle Upo Tye, NE99 5BR or you ca otify us by telephoe o You have a legal right to prevet Your Iformatio beig used for direct marketig purposes. 4.7 You have a right to receive a copy of the iformatio we hold about you if you apply to us i writig to us at our Cotact Address. We will require you to pay us a fee. You are also etitled to request that ay iaccurate iformatio be ameded or deleted. 5.0 Joit Accouts 5.1 If your Accout is a joit Accout, the Terms ad Coditios apply to both of you together ad either of you separately. I the evet of a dispute betwee joit holders we may freeze the Accout util we receive writte istructios from all of you. 5.2 Where your Accout is a joit Accout, the you authorise us to accept istructios from ay Accout holder or from a survivig Accout holder. 6.0 Chages to Terms & Coditios 6.1 Uless the Special Coditios provide for iterest to be paid at a rate which we are ot free to vary (for example, a fixed rate or a rate which tracks the Bak of Eglad base rate), we may chage the rate of iterest o your Accout at ay time for ay oe or more of the followig reasos: To respod i a proportioate maer to chages i the Bak of Eglad Base Rate or 4 5

6 chages geerally i the iterest rates which other fiacial istitutios pay to persoal customers with savigs accouts; To eable us to maitai the competitiveess of the iterest rates we charge to customers who borrow moey from us; To respod to ay chage beyod our reasoable cotrol i the costs we icur i ruig our busiess; To harmoise the iterest rates beig paid to ivestors followig ay acquisitio or trasfer of savigs accouts, or ay takeover of, or merger with, aother fiacial istitutio; To respod i a proportioate maer to chages i the law, or decisios or recommedatios of a court or Ombudsma; To respod i a proportioate maer to chages i regulatory requiremets, or i ay code of practice to which we subscribe. We will write to tell you about ay chage i the iterest rate o your Accout ot less tha seve days before the chage comes ito effect. 6.2 We may chage these Geeral Coditios at ay time for ay oe or more of the followig reasos: To make them clearer, fairer or more advatageous to you; To correct errors; To respod proportioately to developmets i the bakig system; To reflect improvemets i the techology we use i our busiess; To respod i a proportioate maer to chages i the law, or decisios or recommedatios of a court or Ombudsma; To respod i a proportioate maer to chages i regulatory requiremets, or i ay code of practice to which we subscribe. If we chage these Geeral Coditios i a way which is to your disadvatage, we will tell you about it persoally i writig at least 30 days before we make the chage. At ay time up to 60 days from the date of the otice you may, without otice, switch your Accout or close it without pealty. We may make ay other chage immediately ad tell you about it withi 30 days. If we have made a major chage or a lot of mior chages i ay oe year, we will give you a copy of the ew Geeral Coditios or a summary of the chages. 7.0 Iterest 7.1 The iterest o the Accout will be calculated daily o the fuds i the accout at the applicable iterest rate to the date precedig the date of maturity or closure. At the time of applyig for the Accout, you will be give the optio for iterest to be paid o your Accout o a mothly or o a aual basis. Fuds qualify for iterest as follows: Cheque paymets - two Busiess Days after receipt; BACS ad Direct Debits - upo receipt o a Busiess Day; ad CHAPS ad Faster paymets - upo receipt o a Busiess Day. 7.2 O maturity or closure of your Accout all paymets of iterest ad other moey i your Accout will be made to you by BACS. 8.0 Tax Icome Tax at the applicable rate will be deducted from all paymets of iterest (subject to HM Reveue & Customs (HMRC) rules) uless we have received the ecessary HMRC declaratios. You may have to pay further icome tax o the iterest we pay, depedig o your persoal circumstaces. There may be other costs or taxes which you have to meet. 9.0 Withdrawals Withdrawals from the Accout prior to the maturity date may oly be made where permitted by the Special Coditios. Where a withdrawal is permitted, ay paymet to your Accout will oly be treated as available for Withdrawal as follows: Cheque paymets up to ie Busiess Days after receipt; BACS ad Direct Debits seve Busiess Days after receipt; ad CHAPS ad Faster paymets upo receipt o a Busiess Day Death or Bakruptcy of Accout Holder 10.1 We may close the Accout: o your death (but oly if you are a sole Accout holder); or o your bakruptcy Where the Accout is closed uder Geeral Coditio 10.1 followig your death, the total accrued iterest to the date precedig closure of the Accout will be payable, but oly oce we receive the ecessary legal cofirmatio ad authority. The origial or certified true copy of the death certificate must be provided Upo otificatio of the death of oe of the two or more joit Accout holders, we will amed our records to trasfer the Accout ito the ames of the survivig Accout holder or holders, who may operate the Accout i accordace with the Terms ad Coditios Where a Accout is closed uder Geeral Coditio 10.1 followig your bakruptcy, the total accrued iterest to the date of closure of the Accout will be payable, but oly oce we receive the ecessary legal cofirmatio ad authority. 6 7

7 11.0 Closig Your Accout 11.1 You ca cacel your Accout without pealty withi 14 caledar days of opeig it. If you decide to exercise this right, you must sed writte otice to us at our Cotact Address We may close your Accout at ay time if: we reasoably suspect that ay fraudulet activity has bee, or is beig, carried o i relatio to the Accout; we are required to close the Accout by law or as a result of regulatory requiremets or uder the terms of ay code of practice which applies to us; you have bee guilty of threateig or abusive behaviour towards ay of our staff; you are o loger a UK residet Protectig Your Accout To help protect your Accout agaist fraudsters please make sure you let us kow as soo as possible whe you chage your: Name; Address; Phoe umber; or address. If we eed to ivestigate a trasactio o your Accout, you should co-operate with us ad the Police, should we eed to ivolve them. If you act frauduletly, you will be resposible for all losses o your Accout. If you act without reasoable care, ad this causes losses, you may be resposible for them. We recommed that you refer to the advice o our website o Protectig your Persoal Computer i the Frequetly Asked Questios tab Accout Operatio 13.1 Subject to the Special Coditios, the Accout will be operated by our Customer Service team util maturity Durig Accout opeig a uique user ID will be issued to you to allow you to logi o-lie prior to the maturity of your Accout ad choose from the optios available. I additio to this you must provide a password. It is your resposibility to esure that you keep your User ID ad password secret, destroyig otice of it safely ad securely Should you feel that ay Accout documetatio has bee lost or stole or you suspect your Accout is beig operated frauduletly please otify us as immediately by cotactig Customer Services i oe of the followig ways: by telephoig us o (you may be asked to follow up i writig);* or by sedig a to out.co.uk 13.4 You may be asked to provide evidece or proof of your idetity whe you otify us of ay of the thigs metioed i Geeral Coditio *Please ote that we may moitor ad record telephoe calls for traiig, security ad moitorig purposes Maturity The Accout will mature at the ed of the fixed term, o the maturity date specified i the cofirmatio of fudig letter we sed to you cofirmig the particular terms o which your Accout has bee opeed Statemets ad Tax Certificates 15.1 You will be able to check your balace ad trasactios o your Accout olie (subject to system outage for maiteace), by cotactig the customer service team o or by writig to us at our Cotact Address Tax Certificates ca be requested durig your iitial olie applicatio. Subsequet requests ca be made by callig us o or by writig to us at our Cotact Address Istructios ad liability 16.1 If we receive istructios to carry out ay trasactio o your Accout (beig a trasactio that would otherwise be permitted by the Special Coditios), we may refuse to carry out the istructios if: we reasoably believe that you did ot give us the istructios or we are ot satisfied that they are geuie; we reasoably suspect fraudulet activity; your istructios are uclear, icomplete or the recipiet s details are icorrect; or it might cause us to act cotrary to a law, regulatio, code or other duty which applies to us or has potetial to damage our reputatio We will ot be liable to you for ay losses you suffer or costs you icur because: we do ot act o your istructios for the reasos stated i Geeral Coditio 16.1 above; or we caot carry out our resposibilities uder the Terms ad Coditios as a result of aythig that we caot reasoably cotrol. This may iclude, amogst other thigs, ay machie or electroic device, hardware ad software failig to work, idustrial disputes ad postal delays Nothig i the Terms ad Coditios will exclude or limit ay liability we or you have as a result of actig frauduletly or egligetly or ay duty or liability we may have to you that caot be lawfully excluded or limited. 8 9

8 17.0 Uauthorised paymets To dispute a trasactio that you do ot recogise, or you do ot believe that you carried out, ad to claim a refud, you will eed to cotact us as soo as possible ad we will ivestigate the dispute ad otify you of the outcome. To otify us of a disputed trasactio you should cotact us o If we have to take actio agaist aother party as a result of a trasactio o your Accout, you must assist us ad provide all available iformatio to eable us to pursue this actio Right of Set-Off If, at the time your Accout matures, you have ot paid us ay moey which has become due ad payable by you o aother accout you hold with us, we may use all or part of the balace i your Accout to pay off or reduce the moey that you are liable to pay us o the other accout. Where you are a: sole Accout holder, we ca use our right to set-off where you have accouts which are ot oly i your ame but also where you have a accout as a joit accout holder with aother perso; ad joit Accout holder, we ca use our right of set-off where you have accouts which are ot oly i your joit ames but also your idividual ames. We will give you otice i writig before usig ay of your Accout balace i this way Accessibility Vaquis Bak is committed to esurig that all of our savigs products ad services are easily ad equally accessible to all our customers. With this i mid we are able to provide this brochure i larger prit, Braille or audio format (each idividual case will be cosidered separately upo request) Hadlig Customer Complaits Ufortuately, mistakes may occasioally be made by us. If you wish to make a complait agaist us, please refer to our leaflet etitled Our complaits procedure. The leaflet provides full details of our complaits procedure, ad a copy of it is available from us at our Cotact Address; High Yield Vaquis Bak, Freepost RSGY- CKJA-BKCS, PO Box 1279, Newcastle upo Tye, NE99 5BR ad/or ca be dowloaded from the Cotact Us tab o our website; If your complait caot be resolved by our iteral complaits procedure, you have the right to refer it to the Fiacial Ombudsma Service at Exchage Tower, Lodo E14 9SR or via its website ( Please ote: if you do ot take up your complait with us first, you will ot be able to refer it to the Fiacial Ombudsma Service Importat iformatio about compesatio arragemets We are covered by the Fiacial Services Compesatio Scheme (FSCS). The FSCS ca pay compesatio to depositors if a bak is uable to meet its fiacial obligatios. Most depositors icludig most idividuals ad small busiesses are covered by the scheme. I respect of deposits, a eligible depositor is etitled to claim up to 85,000#. For joit accouts each accout holder is treated as havig a claim i respect of their share so, for a joit accout held by two eligible depositors, the maximum amout that could be claimed would be 85,000# each (makig a total of 170,000#). The 85,000# limit relates to the combied amout i all the eligible depositor s accouts with the bak, icludig their share of ay joit accout, ad ot to each separate accout. For further iformatio about the scheme (icludig the amouts covered ad eligibility to claim) please refer to the FSCS website or call or #From 1 Jauary 2016 the deposit limit for each eligible depositor will be 75, Severace If ay of the Terms ad Coditios is foud by ay court, ombudsma or other competet body to be ivalid or ueforceable, such ivalidity or ueforceability will ot affect the other provisios of the Terms ad Coditios, which shall remai i full force ad effect. If ay of the Terms ad Coditios is so foud to be ivalid or ueforceable but would be valid or eforceable if some part of the Terms ad Coditios were deleted, such deletio will be made as is ecessary to make it valid or eforceable Goverig Law The Terms ad Coditios are govered by the Laws of Eglad. We will also take Eglish law as the basis for establishig relatios with you before the cotract is made. I the case of ay dispute, a court i Eglad or Wales will decide

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