Current accounts. Helping you get more from everyday banking

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1 Current accounts Helping you get more from everyday banking To find out more visit natwest.com/currentaccounts or call or visit your local branch 1

2 The NatWest Customer Charter Our commitment to you We want to be Britain s most helpful bank. So we started by asking you what you wanted from us. You told us you wanted four things: To make banking easier To help you when you need us To support the communities we live and work in To listen to you In June 2010 we made our commitment public by launching our Customer Charter, a set of 14 promises based on what you told us was most important to you. We also made a commitment to have an independent company assess our performance every six months and to publish the results so you can judge our performance for yourself. We are encouraged by the improvements we have made, and hope that our willingness to be open about where we ve fallen short of our goals will give you confidence in our commitment to seeing these improvements through. To read our Customer Charter, go to natwest.com/ourcharter 2 2 2

3 Contents Our current accounts can help you make more of your money. We have accounts that include travel, leisure and protection benefits if you pay a monthly fee. Or we have basic current accounts that give you the essentials of current account banking. So with our help, you ll find the one that s right for you. At a glance a quick look at all of our accounts 4 Simple, everyday current accounts 6 Select Silver Account and Advantage Gold Account both with benefits included 8 Black Account a private bank account with benefits included 10 Student and Graduate Accounts 12 Our Adapt Account, for under 18s 14 Switching to NatWest 15 Overdrafts 16 Debit cards 17 Ways to bank with us 18 Your next steps 19 What happens after you apply? 20 How to apply 23 To find out more visit natwest.com/currentaccounts, call or visit your local branch 3

4 At a glance The following table shows our full range of current accounts. What type of account are you looking for? Essential, day-to-day banking Accounts with benefits included Student and graduate Try this Basic Account Select Account Select Silver Account Advantage Gold Account Black Account (Private Banking) Student Account Summary Our most basic current account for your day-to-day banking. You also get lots of practical ways to help manage your account. All the essentials to make everyday banking easy for you. You can control your money online or over the phone. You can also apply for an overdraft to help manage your finances and give you that extra flexibility. The Select Silver Account includes insurance cover for you and your possessions, as well as a number of lifestyle benefits. The benefits included could help you save money on the nicer things in life. Our 5 Star Defaqto rated Advantage Gold Account includes a range of money saving, travel, protection and lifestyle benefits. A wealth of attractive benefits are included in our 5 Star Premier Defaqto rated Black Account. Some make your life easier, some help you enjoy it more, and all of them could save you money. We ve created our Student Account to make it easier for you to manage your money. And you can manage your account online or from your mobile phone, when you can t get to a branch. Accounts for under 18s Graduate Account Adapt Account If you ve left university, our Graduate Account can help you look after your money while you wait for your first payslip. If you re between 11 and 18, open your own Adapt Account and earn interest on everything you pay in. And for a 5 fee you can design your own debit card too, so it s unique. 4 To find out more visit natwest.com/currentaccounts, call or visit your local branch

5 Did you know? We offer a Switcher Service to help make moving to NatWest even easier. If you open an account with us, we can transfer all your standing orders, Direct Debits and salary payments from your existing bank. Go to page 15 for more information. Monthly fee Key account opening criteria Page No You ll need to be 18 or over to apply for this account. 6 No You ll need to be 18 or over to apply for this account. Account and credit facilities available subject to the result of a standard credit check. 6 8 You ll need to be 18 or over to apply for this account. Account and credit facilities available subject to the result of a standard credit check You ll need to be 18 or over to apply for this account. Account and credit facilities available subject to the result of a standard credit check You ll need to be 18 or over to apply for this account. Account and credit facilities available subject to the result of a standard credit check. You will need to earn at least 100,000 a year (or have a joint income of at least 150,000 for a joint account), or have at least 50,000 savings with us. No You ll need to be 18 or over to apply for this account. You ll need to have your permanent home in the UK and be on a full-time undergraduate higher education course that lasts for two years or more, or a full-time postgraduate course No You ll need to be 18 or over to apply for this account. 12 No You ll need to be over 11 and under 18 to apply for this account. 14 To find out more visit natwest.com/currentaccounts, call or visit your local branch 5

6 Simple, everyday current accounts Choose a current account that keeps things simple. Straight forward current accounts Basic Account This is our most basic account. It comes with a Visa Debit card that lets you withdraw your money from any NatWest, RBS or Ulster Bank cash machine within the UK and Gibraltar or over the counter at any UK Post Office. You also get lots of practical ways to help manage your account. Select Account All the essentials to make everyday banking easy for you. You can control your money online or over the phone. You can also apply for an overdraft to help manage your finances and give you that extra flexibility. 6 To find out more visit natwest.com/currentaccounts, call or visit your local branch

7 Did you know? Our Select Silver and Advantage Gold accounts include travel insurance that has been rated as 5 Star by the independent financial research company, Defaqto. The monthly fee for Select Silver is 8 and for Advantage Gold it s Go to page 8 for more information. Visa Debit card Withdraw up to 300 a day at NatWest, RBS and Ulster Bank branded cash machines within the UK and Gibraltar. Withdrawals can also be made from any NatWest or Post Office branch counter, from any cash machine outside the UK and Gibraltar which displays the Visa logo and from retailers that offer cashback. You can also use your card to make purchases in stores and online. (Charges apply for overseas transactions.) UK call centres all our call centres are in the UK. NatWest branches we have more than 1,500 branches in the UK. Award-winning Online Banking Your Money Direct award for Best Online Banking Provider Visa Debit card you can use your debit card to pay for goods or services in stores or online and to withdraw up to 300 from any cash machine in the UK and abroad that displays the Visa logo. (Charges apply for overseas transactions.) UK call centres all our call centres are in the UK. NatWest branches we have more than 1,500 branches in the UK. Award-winning Online Banking Your Money Direct award for Best Online Banking Provider Text alerts you can receive text alerts about your balance, helping you keep on top of your finances. Text alerts you can receive text alerts about your balance, helping you keep on top of your finances. Access to emergency cash If your card is lost or stolen you can still get access to the money in your account by using our 24 hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. No overdraft facility there s no arranged overdraft or any other credit available with the Basic Account. No subscription fee. Access to emergency cash If your card is lost or stolen you can still get access to the money in your account by using our 24 hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. No subscription fee. Overdraft an overdraft is available to those who meet certain conditions. Over 18s only. Cheque book you can get a cheque book if you d like one. To find out more visit natwest.com/currentaccounts, call or visit your local branch 7

8 Accounts with extra benefits If you want to get a bit more from your account you could be better off with one that has benefits and discounts included as well as the standard features of the Select Account. All designed to help you and to save you money. Accounts that give you more Select Silver Account 8 a month The Select Silver Account includes insurance cover for you and your possessions, as well as some useful lifestyle benefits. Mobile phone insurance and 5 Star Defaqto rated travel insurance are also included as part of the package. Each one includes different benefits. Pick the one that suits you. Advantage Gold Account a month Our 5 Star Defaqto rated Advantage Gold Account includes a range of money saving benefits, such as travel insurance, mobile phone insurance and car breakdown cover. Our travel insurance has also been rated as 5 Star by Defaqto, the independent financial research company. 8 To find out more visit natwest.com/currentaccounts, call or visit your local branch

9 5 Star Defaqto rated UK and European Travel Insurance annual insurance including winter sports cover covers you and joint account holder for trips up to 22 days in length within the UK and Europe any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of 50 per account and be medically screened. Mobile Phone Insurance includes iphone and BlackBerry up to 750 (incl. VAT) for theft, loss or damage covers unauthorised calls up to 1,000 (incl. VAT) for monthly contracts and 100 for pay-as-you-go phones joint accounts will cover one phone per person cover starts 14 days after you register the phone. Identity Theft Assistance fraud prevention and resolution service includes Experian credit report monitoring includes alerts, and personal caseworker for victim support. hmvdigital Music Downloads choose from 13 million tracks download up to five tracks to your device per month hmvdigital terms and conditions apply Internet access required. LOVEFiLM DVD Rentals 70,000 movies to choose from rent up to three DVDs or Blu-rays per month two hours entertainment streaming direct to a computer, Internet enabled TV or PS3 LOVEFiLM s terms and conditions apply Internet access required. Tailored rates on fixed rate loans and preferential rates on overdrafts access to a mortgage offer. Mobile Phone Insurance includes iphone and BlackBerry covers handsets up to 1,000 (incl. VAT) covers unauthorised calls up to 1,000 (incl. VAT) for monthly contracts and up to 100 (incl. VAT) for pay-as-you-go phones joint accounts will cover two registered phones cover starts 14 days after you register your phone. 5 Star Defaqto rated UK and Worldwide Travel Insurance annual insurance including winter sports cover for trips up to 31 days in length covers you, your partner and dependent children under 18 (or under 23 if living at home, and in full-time education) children only covered if travelling with parent insured under the policy any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of 50 per account and be medically screened. 10% discount on your first year s car insurance subject to minimum premium criteria. Accidental Death Cover up to 15,000 cover for accidental death (split equally between joint account holders) Persons aged 70 and over will have their cover reduced by 50%. Identity Theft Protection providing 5,000 worth of cover for expenses incurred by you in defending and restoring your credit status after fraudulent activity, including: a complimentary credit report, online card monitoring, and CIFAS protective registration. Green Flag cover UK car breakdown cover including Home Call covers all cars registered to you at your home. Access to our Advantage Reserve Account preferential rates for Advantage Gold customers Minimum balance of 2,000 required. To find out more visit natwest.com/currentaccounts, call or visit your local branch 9

10 Black Account If you are a Private Banking customer you may also like to consider our Black Account. This is our premium account with our highest levels of travel, protection and leisure benefits. An account with extra privileges For this account you must earn at least 100,000, a year (or a joint income of 150,000 a year for a joint account), or have at least 50,000 of savings with us. Black Account 24 a month A wealth of attractive benefits come with our 5 Star Premier Defaqto rated Black Account. Some make your life easier, some help you enjoy it more, and all of them could save you money. Private Black Credit Card To add to the privileges of a Black Account, you can also apply for our Private Black Credit Card. It comes with all the standard benefits of a credit card, and is also our highest earning YourPoints card. All for no annual fee. Representative 14.9% APR (variable) 10 For more details of our Black Account visit your local branch or call us on

11 Travel 5 Star Defaqto rated UK and Worldwide Travel Insurance annual cover for trips of up to 90 days covers you, your partner and any dependent children under 18 or under 23 if living at home, and in full time education any customer with an existing medical condition must call us for screening you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Worldwide Airport Lounge Access access to 560 VIP airport lounges worldwide for joint accounts both parties must register to use this benefit. Black Travel Service save up to 10% on travel, including holidays, flights and accommodation, when booking through the Black Travel Service. Leisure Black Tickets Service 25% cashback on bookings of up to six tickets on concerts, theatre shows, musicals, operas and sporting events throughout the UK and Ireland can be used up to four times a year. 24/7 Black Concierge Service can help you organise everything from car hire to booking a table at your favourite restaurant. Benefits of Private Black Credit card Access to our YourPoints rewards programme get 1.25 points for every 1 you spend on qualifying transactions with your card redeem these at Boots, Marks & Spencer, Harvey Nichols and more. Protection Home Emergency Service up to 750 cover (incl. VAT) for emergency call out and repairs covers both your main and second homes in the UK does not apply to rented properties you own. Mobile Phone Insurance includes iphone, BlackBerry and other handsets worth up to 1,250 (incl. VAT) covers unauthorised calls up to 2,500 (incl. VAT) for monthly contracts and up to 100 (incl. VAT) for pay-as-you-go phones, covers loss, theft, damage and unauthorised calls, for up to four registered phones this cover starts seven days after you register your phone. Green Flag cover car breakdown cover anywhere in Europe, including Home Call covers all cars registered to you at your home cover in Europe will not apply to vehicles over 10 years old. Identity Theft Assistance fraud prevention and resolution service includes Experian credit report monitoring online data patrol of personal details and a personal caseworker for victim support. Card Protection protects all your lost and stolen cards covers you against unauthorised use up to 20,000 per account holder. Offers and opportunities our range of inspiring opportunities is carefully chosen to appeal to Private Black Credit Card customers. From time to time, we ll invite you to events like champagne receptions, private gallery viewings and designer shopping evenings. For more details of our Black Account visit your local branch or call us on

12 Student and Graduate Accounts To help you manage life and study at university and beyond, we ve created two current accounts one for when you re studying, the other for when you ve graduated. Every penny counts Make your money work as hard as you do. Student Account We ve created our Student Account to make it easier for you to manage your money. And you can manage your account online or from your mobile phone, when you can t get to a branch. You ll need to have your permanent home in the UK and be on a fulltime undergraduate higher education course that lasts for two years or more, or a full-time postgraduate course. Graduate Account If you ve left university, our Graduate Account can help you look after your money while you wait for your first payslip. 12

13 Did you know? If you re opening a Student Account, you could apply for our Student Credit Card as well. Visit natwest.com/students for more information. You get an interest-free overdraft of up to 1,000 in your first year, increasing to up to 2,000 in your fifth year. We apply your overdraft limit gradually in the first year i.e. up to 500 first term, up to 750 second term and up to 1,000 third term. To get an interest-free overdraft you ll need to be 18 or over and use the account as your main account. You ll need to make at least three withdrawals every month and make at least one payment to the account every three months. If you don t we could decide to remove your interest-free overdraft. You must pay off the full overdraft if we ask you to. The overdraft you get helps you move gradually from an interest-free overdraft to one that charges interest. For the first year you won t have to pay interest on any arranged overdraft of up to 2,000. From year two the amount you get interest-free gradually reduces, so that you start to pay interest on any amount over the interest-free limit. If you graduate before 1 January 2013, the following interest free limits will apply. Year Overdraft available Interest-free limit 1 Up to 2,000 2,000 2 Up to 2,000 1,000 3 Up to 2, We give you a Visa Debit card which you can use at home and abroad. There are charges for your card abroad. Visit natwest.com/debitcards for more information. You can manage your account over the phone or online and check your balance and statements on your mobile phone. You can top-up mobile phones from any of our cash machines. Your NatWest Student Account must be used as your main bank account, receiving regular deposits. To apply for an overdraft you must be 18 or over. You must pay off the full overdraft if we ask you to. After 1 January 2013, our Graduate Account changes. If you graduate after this date the following interestfree limits will apply. Year Overdraft available Interest-free limit 1 2,000 2, ,000 1,000 We give you a Visa Debit card which you can use at home and abroad. There are charges for using your card abroad. Visit natwest.com/debitcards for more information. To find out more visit natwest.com/currentaccounts, call or visit your local branch 13

14 Our Adapt Account, for under 18s If you re between 11 and 18, open your own Adapt Account and earn interest on everything you pay in. And you can design your own debit card too, so it s unique. Your cash and card Get your own debit card to use online and in shops. For just 5 you can decorate your card with your own photo or artwork. See how yours could look at natwest.com/adapt You can take cash out of your Adapt Account whenever you need it. When money is in your account, it s earning you interest. Your tips and rewards Go to the Adapt website to find lots of tips about looking after your money. You can also earn extra money by signing up to answer questions and share your views it s that easy. We also offer money off at some top stores. 14 To find out more visit natwest.com/adapt, call or visit your local branch

15 Switching banks If you think one of the accounts we ve introduced you to here would suit you better than the one you already have, you can switch your current account to us. To make the most of your account you can switch all your income, standing orders and Direct Debits to us. We have a switcher service that will take care of everything for you. Or, if you d prefer, we ll set out what you need to do and you can sort it out for yourself. How our Switcher Service works Sign a simple switching form when you open your new account and we will: Transfer all your standing orders and Direct Debits to your new account. Ask your existing bank to cancel all payments. Provide you with letters detailing your new NatWest account details to send to all the people or organisations who pay money into your account. Ask your existing bank to close your account and transfer your money over. Transfer any savings accounts you may have elsewhere it makes things easier if you have your accounts in one place. What we ask you to do is pass on the letters we give you to those who pay money into your account (e.g your employer, pension or child benefit provider), and return all cheque books and debit cards to your existing bank. How to switch accounts yourself If you don t want to use our Switcher Service we ve pulled together a handy checklist of things that you need to think about when switching your account over. 1. Redirect your income to your new account by completing a credit re-direction letter (we can provide an example of this for you). 2. Get a list of all the regular payments (standing orders and Direct Debits) from your old bank. 3. Contact the companies you have Direct Debits with and ask them to take those payments from your new NatWest account. Information about switching Direct Debits should be available on their websites, or you could give them a call. It s worthwhile taking a note of when these will be set up from. 4. Cancel all your standing orders with your old bank and set them up on your new account. This can usually be done online, in branch or over the phone. It can take a few days, so make sure you do it well in advance of the first payment date. 5. Once you re comfortable that all standing orders and Direct Debits have been switched over, you can close your old account. To find out more visit natwest.com/currentaccounts, call or visit your local branch 15

16 Overdrafts If you need extra money an overdraft could help. And, as long as you arrange it with us first, it will protect you from fees and charges for unarranged borrowing. Once you ve applied, and we ve taken your circumstances into account, we can agree your overdraft limit. What else do you need to know? To apply for an overdraft, you must be 18 or over and have a Select, Select Silver, Advantage Gold or Black Account. Overdraft rates can change. You can talk to us about reducing your overdraft limit or increasing it at any point. You must pay off the overdraft when we ask you. Please note that even if you do not have an arranged overdraft on your account, if your account goes into an unarranged overdraft position, you will normally have to pay a Returned Item Fee of 6 for any transactions declined by us and/or an Unarranged Overdraft Fee of 6 per day for unarranged overdrafts greater than 6. An unarranged overdraft is created when your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded. Please refer to our leaflet NatWest Personal & Private Current Account Terms for further details. 16 To find out more visit natwest.com/currentaccounts or call or visit your local branch

17 Debit cards With all our current accounts you ll get a Visa Debit card. You can use this for your everyday purchases, no matter how small, in the UK or abroad. Use your card to pay for goods and services in shops, online and over the phone. There is a charge for using your debit card abroad. For more information, visit natwest.com/debitcards or go to your local branch. When you use your Visa Debit card to pay for things abroad, we ll convert the amount you spend into Sterling using the current exchange rate before we take money from your account. Each time you use your card you will also have to pay an Exchange Rate Transaction Fee of 2.75% of the amount you ve spent plus a charge of Shop safely online with NatWest Secure. Once you ve registered, whenever you shop online you ll be asked to enter a password to approve the payment. This helps to prevent fraud on your account. If you buy something using your Visa Debit card and it s not delivered or is damaged, we could help you to get your money back. You ll need to contact the retailer first. But if they can t help, contact us straight away. Save time queuing to withdraw money and get cashback at thousands of UK shops. There s no charge for getting cashback. Get cash when you re abroad from over one million Visa cash machines worldwide. There is a charge for this service. For more information visit natwest.com/debitcards or ask in one of our branches. If your debit card is ever lost or stolen you can still get access to the money in your account by using our 24-hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to 300. If you aren t you can still withdraw up to 60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have 25 available to use this service. To find out more visit natwest.com/debitcards or visit your local branch 17

18 Ways to bank with us Like everything in life, one way of banking that suits one person might not be right for another. So wouldn t it be better if you could choose how to bank with us? We think so. That s why we give you all the options and leave the decision to you. So what are the options? Online Banking Manage your money, whenever and wherever you like with Online Banking. Get up-to-the-minute balances and mini-statements. See your statements online going back up to seven years. Make instant transfers between your NatWest accounts, pay bills and make payments to other people. Keeping you safe Our market-leading Rapport software helps protect your online banking log-in details, keeping your identity safe. For more information visit natwest.com/rapport 24-hour UK-based Telephone banking All our 24-hour telephone banking centres are based in the UK and we aim to answer calls in less than a minute. Plus, we ll always give you the option to speak to a real person. You can: check your balance and review transactions transfer money instantly pay bills and order foreign currency set up or amend standing orders. And once you re registered for telephone banking you re all set up to use Online Banking too. Mobile banking You can use mobile banking on almost all mobile phones. Just check that your phone can support Java, can connect to the internet using WAP or 3G and has at least 64 kilobytes of free memory. Standard network message rates apply when using the service and extra network charges can apply when you use the service abroad. It s important to check this with your network provider. For more information go to natwest.com/mobile New mobile iphone app With our new and improved iphone app you can do your banking on the move. The app lets you see all your NatWest account balances and mini statements, as well as transfer money between your NatWest accounts. There s a handy cash machine and branch locator too. You need to be a Digital Banking customer to use the app. To find out more, visit natwest.com/iphone Standard data download charges may apply. Contact your network operator for details. 18 To find out more visit natwest.com/waystobank or visit your local branch

19 Your next steps Do you need more information on our current accounts? If you d like more information, you can go online, or speak to someone in branch, or over the phone. You can also read all our terms in our NatWest Personal and Private Current Account Terms, Personal and Private Current Account Fees and Interest Rates and Helping you get the most from your Personal and Private NatWest Current Account leaflets. You can get both of these from our branches or online at natwest.com/currentaccounts Ready to apply? Know what you want to get out of your current account? Decided which type of account will be best for you? Then go to the next page to see how to contact us and apply. What we ll need Along with a filled-in application for the account you want to open, you ll need to give us proof of your identity. We will accept any one of these: A current signed passport. If you are not an EU National, a passport with a valid Visa. EU National ID card. A UK Armed Forces ID card. A current full UK driving licence (if you re over 17). A benefit book or an original notification letter from the Benefits Agency (including Department for Work and Pensions). A letter from HM Revenue & Customs. For students, a current student ID or matriculation card from a recognised university or college. For under 18s, a UK birth certificate or adoption certificate. We will also need an original of one of the following as proof of your address: A gas, electricity or phone bill (not for a mobile phone) you ve received in the last six months. A council tax bill that is less than 12 months old. A bank or building society statement issued within the last six months. For students, a UCAS letter or an acceptance letter from a university or college. If you haven t got any of these items, we might be able to accept something else. Visit us in branch for more information. For an overdraft we also need either of the following: Your last three months bank statements; or Proof of your income, such as your last three payslips. To find out more visit natwest.com/currentaccounts, call or visit your local branch 19

20 What happens after you apply? As soon as we receive and process your application we ll open your account. Within 10 days of opening your account you ll receive your debit card and Personal Identification Number (PIN). For security we ll send these to you separately. It s important to activate your card so make sure you do this as soon as your card arrives. You ll also receive a welcome pack which contains everything you ll need to know about your new account. Your welcome pack will provide you with details on how to set up online and telephone banking. If you have opened a Select Silver Account, Advantage Gold Account or Black Account your welcome pack will also contain details of how to register for all the benefits associated with these accounts. You could also move any existing Direct Debits and income payments to your new account. If you are using our Switcher Service we ll begin to move over your existing Direct Debits and keep you informed on how it s going. We ll also be in touch over the next few months to check on how things are going and help you make the most of your account. 20

21 Notes 21

22 Notes To find out more visit natwest.com/waystobank or visit your local branch

23 How to apply Now we ve explained what you need to open your current account, this is what to do next: Talk to us at your nearest NatWest branch or go to natwest.com/currentaccounts and apply online. Or you can call us on the following numbers. Calls may be recorded. General enquiries and more information on Visa Debit cards or how to switch banks (except Black Account) Phone (Minicom ) 8am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays. Black Account enquiries Call us on (Minicom ) 24 hours a day, 7 days a week. To find out more visit natwest.com/currentaccounts, call or visit your local branch 23 23

24 Other useful numbers If you re interested in our current accounts, why not also see if you d be better off with one of our loans, mortgages or savings accounts? Here s how to find out more. You can speak to someone in your local branch or visit natwest.com Alternatively call us on the following numbers. Calls may be recorded. Savings accounts Call am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays. Mortgages Call am to 8pm Monday to Friday, 9am to 4pm Saturdays. Loans Call am to 8pm Monday to Friday, 9am to 6pm Saturdays. Customers with hearing and speech difficulties can contact us by Minicom iphone, is a trademark of Apple Inc. BlackBerry is a trademark of Research in Motion Ltd. Credit facilities over 18s only. Calls may be recorded. National Westminster Bank Plc. Registered Office: 135 Bishopsgate, London, EC2M 3UR. Registered number: NWB July 2011

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