Personal Package Application Form Danske Bank

Transcription

1 Personal Package Application Form Danske Bank This application form is divided into the following sections: Prefix Identification Requirements page 2 Section 1 Personal Details page 3 Section 2 Employment Details pages 4-5 Section 3 Income Details page 6 Section 4 Product Selection Current Account Package Debit Card Deposit accounts Credit Requirements page 7 For any Credit Applications such as Overdraft, Credit Card or other credit requests, please indicate overleaf which product you request and we will arrange a phone application with you. Section 5 Joint Applications Opening Account (s) pages 8-9 Section 6 Declaration page 10 Section 7 Use of personal information (All applicants must complete) pages Section 8 Signature Forms (All applicants must complete) page Personal Interest Rates table page 17 Checklist Have you provided proof of identify and address for each applicant Has each applicant signed the declaration on page 10 Has each applicant signed a Signature Card PLEASE NOTE This application is for Republic of Ireland residents only, any other residents please contact us for more details. Danske Bank A/S (trading as Danske Bank) is authorised by The Danish FSA in Denmark and is regulated by the Central Bank of Ireland for conduct of business rules. Danske Bank A/S is a plc registered in Copenhagen, CVR-no , at the Danish DCCA. Registered branch in Ireland Company with office at 3 Harbourmaster Place, IFSC, Dublin 1. Registered office in Denmark: 2-12, Holmens Kanal, DK-1092, Copenhagen K, Denmark. Details of all Danske Bank A/S directors can be viewed at its registered offices. 1

2 DB Prefix: Identification Requirements NEW CUSTOMER NEW DB CUSTOMER DB Documentation we require all applicants to submit with this application form Identification and Address Verification Before we enter into a banking or credit agreement with you we are obliged under the Criminal Justice (Money Laundering & Terrorist Financing) Act 2010 to conduct certain checks and request that you provide documents so that we can identify you. In certain circumstances we may require further information which we will discuss with you. Identification Verification Please provide a certified* copy of ONE of the following: 1 Current (in date) valid Passport 2 Current (in date) valid Drivers License (UK and ROI only) 3 Current (in date) valid National ID Card (EU Only) 4 Current (in date) valid Provisional Drivers License (ROI Only) Address Verif ication Please provide a certified* copy of ONE of the following: 1 Current (dated within last 6 months) Utility Bill e.g. Gas, Electricity, Landline Telephone, Sky/Cable TV, Broadband 2 Current (dated within last 6 months) Bank, Building Society, Financial Institution, statement or letter 3 Current (dated within last 6 months) official document issued from the Revenue Commissioners 4 Current (dated within last 6 months) official document issued from the Department of Social and Family Affairs 5 Current (dated within last 6 months) Insurance Certificate or Schedule e.g. Household, Health and Motor insurance. * Certification is mandatory. Certification should be carried out by a bank or Financial Institution, tary Public, Solicitor, Accountant, a member of An Garda, Embassy Official or Commissioner for Oaths. Also selected locations of An Post (please see for further information). Please ensure that the document is clear and legible. Please post all documentation to us at: Package Team Danske Bank Retail Services (2) PO Box 3345 Dublin 24 Ireland If you have any questions about the information you need for any of your package applications please give us a call on

3 Section 1: Personal Details First name : Surname : How long at current address [MM/YY] Current Address : First applicant First name : Surname : How long at current address [MM/YY] Current Address : Second applicant Previous Address : (if less than 3 years at Current) Previous Address : (if less than 3 years at Current) Telephone number : Mobile number : Address : Birthplace : Country of birth : Date of birth (dd/mm/yyyy) : Marital Status : Single Divorced Widowed Separated Married Cohabitant/Partner Residential details Home Owner With Parents Tenant Other Year moved to address: Monthly Rent/ Mortgage/Other Previous address (if tenant): Telephone number : Mobile number : Address : Birthplace : Country of birth : Date of birth (dd/mm/yyyy) : Marital Status : Single Divorced Widowed Separated Married Cohabitant/Partner Residential details Home Owner With Parents Tenant Other Year moved to address: Monthly Rent/ Mortgage/Other Previous address (if tenant):. of Dependants/Children. of Dependants/Children If not an existing Danske Bank customer, how long with existing Current Bank? What is the account going to be used for? If not an existing Danske Bank customer, how long with existing Current Bank? What is the account going to be used for? What is the source of funds to open this account? Salary Savings Pension Other (Please detail) Do you expect to make Account Transfers abroad? If yes, please list the countries you expect to transfer funds to: Country Volume Amount What is the source of funds to open this account? Salary Savings Pension Other (Please detail) Do you expect to make Account Transfers abroad? If yes, please list the countries you expect to transfer funds to: Country Volume Amount 3

4 Section 2a - Employment Details First Applicant Employment Status : Agency Contract Economically Inactive Fixed Term Contract Full-Time Employment Type : Armed Forces Semi-skilled manual Junior Clerical Managerial Unskilled Manual Professional no Degree Professional with Degree Part-time Self-employed Semi-Retired Retired Student Junior Sales Senior Clerical Senior Manual Senior Sales Services Skilled Manual Other Length of Service with current Employer: Years : Months : Income Frequency : How is your salary paid? Direct to Danske Bank Weekly Monthly Cash Cheque Other Do you expect to remain with your existing employer? Fortnightly Other Direct to other bank Occupation : Is this position: Permanent Employer Name : Employer Address : Self-employed Details : Company Name : Company Address : or Temporary Only detail previous Employment if less than 2 years in current job: Previous Employer Name : Length of Service with previous Employer: Years : Months : If you have any other employment please detail below: Description : Income Frequency : Weekly Monthly Fortnightly Other As part of your employee benefits do you have any of the following : Medical Insurance Share Scheme/Options Pension Arrangement 4

5 Section 2b - Employment Details Continued Second Applicant Employment Status : Agency Contract Economically Inactive Fixed Term Contract Full-Time Employment Type : Armed Forces Semi-skilled manual Junior Clerical Managerial Unskilled Manual Professional no Degree Professional with Degree Part-time Self-employed Semi-Retired Retired Student Junior Sales Senior Clerical Senior Manual Senior Sales Services Skilled Manual Other Length of Service with current Employer: Years : Months : Income Frequency : How is your salary paid? Direct to Danske Bank Weekly Monthly Cash Cheque Other Do you expect to remain with your existing employer? Fortnightly Other Direct to other bank Occupation : Is this position: Permanent Employer Name : Employer Address : Self-employed Details : Company Name : Company Address : or Temporary Only detail previous Employment if less than 2 years in current job: Previous Employer Name : Length of Service with previous Employer: Years : Months : If you have any other employment please detail below: Description : Income Frequency : Weekly Monthly Fortnightly Other As part of your employee benefits do you have any of the following : Medical Insurance Share Scheme/Options Pension Arrangement 5

6 Section 3 - Income Details First Applicant Annual Income (amounts must be regular and guaranteed) Second Applicant Annual Income (amounts must be regular and guaranteed) Gross Salary/Income Gross Salary/Income Overtime/Commission/Bonus Overtime/Commission/Bonus Net Monthly Income Net Monthly Income Wages / Salary Wages / Salary Rental Rental Pension Pension Investment Investment Other Other Other Details Other Details Total Total Current Rate of Income Tax % Current Rate of Income Tax % 6

7 Section 4: Product Selection Please indicate below which package and products you are applying for by ticking the boxes. 4.1 Current Account/Package: Danske 24/7 Danske Easy Plus Danske Prestige Please refer to for information on fees and charges. Please tick if you would like to use the Switching Code to move your existing Euro Current Accounts to Danske Bank On approval, you will automatically receive Danske Bank Direct Banking. Direct Banking includes ebanking, Mobile Banking and enables you to identif y yourself with a PIN when you call us on 24/7 Telephone Banking. If the Current Account chosen as part of a package is a joint account we will register all parties for Danske Bank Direct Banking. If you only require registration for one party (First person), please tick here: You will receive a user ID, a security card, and a password (4-digit PIN). You will use the user ID and the password (4-digit PIN) in conjunction with the security card to access Direct Banking. Do you require a cheque book? Easy Plus or Prestige Only A cheque book is not available for 24/7 packages. Please note you will require a lodgement book to make cheque lodgements at one of 200+ Post Offices, we will automatically order one for you, if you do not wish to receive a lodgement book please tick here 4.2 Do you require a Debit card? The Debit Card is a Domestic Debit card, International Debit card and an ATM card. It may also be used to lodge cash to the Current Account chosen as part of a package through the An Post Office network. Name to be printed on the card (s) (maximum 26 characters): First applicant: Second applicant: 4.3 Deposit Account For up-to-date rates for the accounts below please refer to Flexible Savings Personal esaver Instant Access Savings Standard Fixed Term Deposit Term: Amount: Other deposit accounts Please specify: If you are interested in receiving further information on our Structured Deposit Account please tick here and we will contact you. 4.4 CREDIT REQUIREMENTS For any Credit Applications such as Overdraft, Credit Card or other credit requests, please indicate below which product you request and we will arrange a phone application with you. The current rate sheet is on the back of this form. Do you require a Credit Card? We of fer MasterCard Standard, MasterCard Gold and MasterCard Platinum subject to the Package you have chosen. Please refer to our website for more information or contact us. Credit cards are subject to credit assessment. Please note that you will be contacted over the phone for completion of the credit card application. Do you wish to enquire about an Overdraf t facility? What limit would you require? Overdrafts and Credit Card applications are subject to credit assessment. Please note that you will be contacted by telephone for completion of credit application and further proofs of income will be required. You must also complete the Credit Reference Search consent on page 11 for the first applicant and page 13 for the second applicant. 7

8 Section 5: Joint Applications Mandate (s) Only relevant for Joint Account applicants. Please note that both applicants must sign and confirm their agreement to apply for the products chosen. To: Danske Bank A/S ( the Bank ) I/We, the Account Holder(s), wish to open/continue the Account or Accounts stated above (each an Account ) in my/our name(s) and authorise the Bank to open/continue the Account(s) in my/our name(s). I/We acknowledge that no such Account can be operated until the Bank confirms to us that it has been opened. I/We have received, read and understood the Terms and Conditions for the Account, which form part of the agreement between us and I/we agree to accept these Terms and Conditions. I/We have also received a copy of the leaf let explaining fees and charges. This mandate applies to the above Account(s) only. Instructions for joint accounts only The Bank may honour and charge to any relevant Account all instructions, transactions or withdrawals and any costs, charges or expenses relating to the Bank when authorised as follows: Tick here Any one of us may alone give authority Two of us must give authority All of us must give authority For bank reference only Separate (Sole) Mandate A Other Mandate Type (Special) In the case of death of one party to a joint account, we will accept instructions from the surviving account holder(s), and any credit balance will pass to them. This ref lects the normal requirements of joint account holders. In the unlikely event that you wish to give the bank alternative instructions, delete this clause and detail your instructions below. Statement instructions for joint accounts only As a default statements will issue to the First named account holder. Tick here Provide separate statements to each individual account holder. Acknowledgment of conditions I/We acknowledge that: [a] This mandate is subject to any terms and conditions or other requirement which apply to any particular Account or particular means of making enquiries, or giving instructions in relation to or otherwise operating an Account. [b] Any chequebook issued in relation to an Account will be in the name of the Account Holder(s). [c] Credit or debit cards will only issue to me/us (and to any authorised Mandate Holder) on completion of separate documentation (d) The Bank may honour and charge to any relevant Account all instructions, transactions or withdrawals in accordance with this mandate and any costs, charges or expenses relating to the Bank. It may do so without enquiring into their purpose or circumstances, and whether or not the Account is in credit or overdrawn or becomes overdrawn in consequence of any such charge, and whether or not there is any prior agreement for an overdraft. 8

9 (e) If the Bank obtains any specific authorisation for any transaction or withdrawal, this shall not preclude the Bank from relying on this mandate in relation to that or any other transaction or withdrawal for so long as this mandate remains ef fective. [f] This mandate shall cease to be effective in respect of any or all Mandate Holders if the Bank has received express written notice of cancellation by the Account Holder (in the case of sole accounts) or Account Holders (in the case of joint accounts) or Mandate Holder/s af fected. [g] This mandate shall not apply to any particular Account listed above if the Account Holder (in the case of sole accounts) or Account Holders (in the case of joint accounts) issue(s) a new mandate for that Account. (h) If this mandate ceases to be effective for any reason, the Bank shall remain entitled to honour and to charge to the relevant Accounts[s] and I/we shall be liable for any transactions or withdrawals [and costs, charges or expenses relating to them] made or authorised under this mandate before all cheques, cards or other relevant items are returned to the Bank and any such transactions or withdrawals [and costs, charges or expenses relating to them] charged to any such Account after their return. The Bank shall have no responsibility for recovery of any such items. (i) The provisions of this mandate do not limit the Bank s right to block the Account[s] or any of them or to refuse to respond to any enquiries or to honour any instructions where it has a justifiable financial or legal reason for so doing. Signature by Account Holders Date: WARNING IF YOU GIVE ANOTHER ACCOUNT HOLDER OR ANY MANDATE HOLDER THE AUTHORITY TO OPERATE ACCOUNTS ON THEIR OWN, THIS MEANS THAT HE OR SHE CAN WITHDRAW ANY OR ALL OF THE FUNDS ON SUCH ACCOUNT/S OR CREATE A DEBT ON THE ACCOUNT/S FOR WHICH YOU WILL BE JOINTLY AND INDIVIDUALLY LIABLE Name of Account Holder (in capital letters) Signature of Account Holder Name of Account Holder (in capital letters) Signature of Account Holder 9

10 Section 6: Declaration I/We declare that I/we have read the following information on : Clear & Simple Personal fees and charges explained General Terms and Conditions Special Terms and Conditions Direct Banking Special Terms and Conditions ATM/Debit Card Special Terms and Conditions - Personal Current Accounts Package Fact Sheets I/we consent to the use of my/our personal information as described in the How we Use Personal Information, and the Use of Personal Information form which I/we will complete with this application. I/We confirm that I/we have read the Section entitled Use of Your Personal Information for Credit Applications and by signing this form I/we have agreed that the Bank may use my/our information to make any enquires as you deem necessary in relation to this application for credit. I/We further declare that the information and declarations which I/We have given to the Bank and which are set out in this Application are true and complete to the best of my/our knowledge. Signatures: First applicant Second applicant Date / / Date / / 10

11 Section 7a - Use of Your Personal Information for Credit Applications First Applicant 1. Information, including your personal data, provided by you and generated during the course of your relationship with us will be used by us for the purposes of managing our relationship with you including, for example, determining your suitability for, and managing our provision of, a particular financial product or service. We may also use your information for marketing, debt recovery, fraud prevention, and research purposes. We will not collect any more personal data from you than is necessary to fulfil these purposes. We may be required to retain personal data for audit or legal or regulatory reasons for a certain period even if your relationship with us ceases. We will not retain your data for longer than necessary. 2. Danske Bank, in its absolute discretion, may from time to time temporarily grant its customers unauthorised credit. So, for example, Danske Bank, may in its absolute discretion elect to facilitate a customer by encashing a cheque/payment that would otherwise be bounced, or by allowing credit to be drawn temporarily on an account where this has not been duly authorised. Of course Danske Bank gives no commitment that it will do so in any one instance or that having done so in one instance it will do so again. Moreover, an interest cost will be incurred by the relevant customer. To enable Danske Bank to facilitate customers in this matter, please note that credit-related questions are asked of all customers seeking to open a current account with Danske Bank. 3. We may also need to collect, use, process and disclose certain sensitive personal data relating to you (e.g. details of your health record or condition, lifestyle or criminal convictions), for example in circumstances where we arrange life assurance or payment protection insurance, where you require special services, for insurance purposes if you injure yourself on our premises, to process an insurance claim or allow extra time for loan repayments or to understand the purpose of a loan. 4. We may disclose your data and/or sensitive personal data under strict obligations of confidentiality to our agents and/or service providers for the purposes referred to above. We may disclose your data to other members of the Danske Group. We may be obliged to disclose your information, including your personal data and/or sensitive personal data, to our auditors, bankers, legal and other professional advisers and to third parties (including government agencies) as may reasonably be required in connection with the purposes referred to above or pursuant to any law or court order. corrected. If you wish to avail of this right, please contact our Data Protection Officer, FREEPOST F1116, 1 Airton Close, Dublin You acknowledge that by signing this notice, you hereby consent to the collection, processing use and disclosures of your information, including your personal data and sensitive personal data, as set out in this notice. 8. In certain instances your data may be transferred outside the European Economic Area and by signing this notice you are deemed to expressly consent to this. 9. In this document: we, us and our means Danske Bank A/S, a company incorporated in Denmark, trading in Ireland as Danske Bank and having its registered address at 3 Harbourmaster Place, IFSC, Dublin 1; and you and your means the signatory hereto or the business for which such signatory is signing. 10. Subject to the marketing preferences indicated below, we, other group companies and/or third parties carefully selected by us may wish to contact you with information relating to products or services that may be of interest to you. In the event that you cease to be a customer, and subject to the marketing preferences indicated below, we will retain your details and continue to keep you up to date with information relating to products or services which may be of interest to you. Credit Reference Agency Search (To be completed only when Credit Products are requested) Danske Bank (or parties acting on our behalf) may search the files of credit reference agencies who will record the search. We may do this if you apply to us for a credit facility, if you of fer us a guarantee, when we review your facilities with us, or when we open a new account for you or for a company or partnership of which you are an officer, substantial shareholder or partner. Information about how you operate your account may also be shared with such agencies. (This does not apply if you are under 18 or asking for a service or product which is not related to credit). I consent for you to search my record at credit reference agencies. 5. In the course of your relationship with us, you may occasionally speak with our employees (or persons acting on our behalf) by telephone. To ensure that we provide a quality service, your telephone calls may be recorded. We will treat the recorded information as confidential and will only use it for staf f training/quality control purposes, confirming details of your conversations with us, or any other purposes mentioned in this notice. 6. You have the right to ask for a copy of any personal data and/or sensitive personal data held about you (for which we may charge a small fee) and to have any inaccuracies in such personal data and/or sensitive personal data Name (CAPS): Signature: Date: / / 11

12 Communication Danske Bank is committed to customer confidentiality however we can communicate with you via unencrypted e- mail. Unless otherwise advised by you in writing, we shall assume, and it is hereby agreed between us, that (i) you are satisfied for us to communicate with you by way of unencrypted , and (ii) we are not liable for: (a) any loss or damage of any nature, whether direct or indirect, that may arise as a result of our sending any unencrypted that contains any information of any nature regarding you; and (b) any damages arising as a result of any virus being passed on or with, or arising from any alteration of, any message that we may send. I agree and consent for you to communicate with me via unencrypted . Marketing preferences Danske Bank would like to provide you with further information on new products or services available from ourselves or other companies within our group. You have a right not to receive this information. Please tick the box below if you do NOT want to receive this Information [ ] by mail [ ] by phone Please tick the box below if you DO WANT to receive this information: address: [ ] by [ ] SMS text or picture messaging [ ] by fax Name (CAPS): Signature: Date: / / For Bank use: Comment added to comments and contacts section in customer portal indicating above preferences (tick box to confirm) [ ] Initial If at any time in the future you decide that you do not want to receive any marketing information from us at all, or in any particular form, please let us know by writing to us at: Danske Bank Data Protection Officer FREEPOST F1116, 1 Airton Close Dublin 24 (Freefone no: ). Name (CAPS): Signature / Date: te: Each person on a joint account must complete a separate form. For Bank use: Sort Code: Customer Name: Customer.: 8: YOU MAY WANT TO RETAIN A COPY OF YOUR PREFERENCES INDICATED ABOVE, OR A COPY OF THIS DOCUMENT, FOR YOUR RECORDS 12

13 Section 7b - Use of Your Personal Information for Credit Applications Second Applicant 1. Information, including your personal data, provided by you and generated during the course of your relationship with us will be used by us for the purposes of managing our relationship with you including, for example, determining your suitability for, and managing our provision of, a particular financial product or service. We may also use your information for marketing, debt recovery, fraud prevention, and research purposes. We will not collect any more personal data from you than is necessary to fulfil these purposes. We may be required to retain personal data for audit or legal or regulatory reasons for a certain period even if your relationship with us ceases. We will not retain your data for longer than necessary. 2. Danske Bank, in its absolute discretion, may from time to time temporarily grant its customers unauthorised credit. So, for example, Danske Bank, may in its absolute discretion elect to facilitate a customer by encashing a cheque/payment that would otherwise be bounced, or by allowing credit to be drawn temporarily on an account where this has not been duly authorised. Of course Danske Bank gives no commitment that it will do so in any one instance or that having done so in one instance it will do so again. Moreover, an interest cost will be incurred by the relevant customer. To enable Danske Bank to facilitate customers in this matter, please note that credit-related questions are asked of all customers seeking to open a current account with Danske Bank. 3. We may also need to collect, use, process and disclose certain sensitive personal data relating to you (e.g. details of your health record or condition, lifestyle or criminal convictions), for example in circumstances where we arrange life assurance or payment protection insurance, where you require special services, for insurance purposes if you injure yourself on our premises, to process an insurance claim or allow extra time for loan repayments or to understand the purpose of a loan. 4. We may disclose your data and/or sensitive personal data under strict obligations of confidentiality to our agents and/or service providers for the purposes referred to above. We may disclose your data to other members of the Danske Group. We may be obliged to disclose your information, including your personal data and/or sensitive personal data, to our auditors, bankers, legal and other professional advisers and to third parties (including government agencies) as may reasonably be required in connection with the purposes referred to above or pursuant to any law or court order. 5. In the course of your relationship with us, you may occasionally speak with our employees (or persons acting on our behalf) by telephone. To ensure that we provide a quality service, your telephone calls may be recorded. We will treat the recorded information as confidential and will only use it for staf f training/quality control purposes, confirming details of your conversations with us, or any other purposes mentioned in this notice. 6. You have the right to ask for a copy of any personal data and/or sensitive personal data held about you (for which we may charge a small fee) and to have any inaccuracies in such personal data and/or sensitive personal data corrected. If you wish to avail of this right, please contact our Data Protection Officer, FREEPOST F1116, 1 Airton Close, Dublin You acknowledge that by signing this notice, you hereby consent to the collection, processing use and disclosures of your information, including your personal data and sensitive personal data, as set out in this notice. 8. In certain instances your data may be transferred outside the European Economic Area and by signing this notice you are deemed to expressly consent to this. 9. In this document: we, us and our means Danske Bank A/S, a company incorporated in Denmark, trading in Ireland as Danske Bank and having its registered address at 3 Harbourmaster Place, IFSC, Dublin 1; and you and your means the signatory hereto or the business for which such signatory is signing. 10. Subject to the marketing preferences indicated below, we, other group companies and/or third parties carefully selected by us may wish to contact you with information relating to products or services that may be of interest to you. In the event that you cease to be a customer, and subject to the marketing preferences indicated below, we will retain your details and continue to keep you up to date with information relating to products or services which may be of interest to you. Credit Reference Agency Search (To be completed only when Credit Products are requested) Danske Bank (or parties acting on our behalf) may search the files of credit reference agencies who will record the search. We may do this if you apply to us for a credit facility, if you of fer us a guarantee, when we review your facilities with us, or when we open a new account for you or for a company or partnership of which you are an officer, substantial shareholder or partner. Information about how you operate your account may also be shared with such agencies. (This does not apply if you are under 18 or asking for a service or product which is not related to credit). I consent for you to search my record at credit reference agencies. Name (CAPS): Signature: Date: / / 13

14 Communication Danske Bank is committed to customer confidentiality however we can communicate with you via unencrypted e- mail. Unless otherwise advised by you in writing, we shall assume, and it is hereby agreed between us, that (i) you are satisfied for us to communicate with you by way of unencrypted , and (ii) we are not liable for: (a) any loss or damage of any nature, whether direct or indirect, that may arise as a result of our sending any unencrypted that contains any information of any nature regarding you; and (b) any damages arising as a result of any virus being passed on or with, or arising from any alteration of, any message that we may send. I agree and consent for you to communicate with me via unencrypted . Marketing preferences Danske Bank would like to provide you with further information on new products or services available from ourselves or other companies within our group. You have a right not to receive this information. Please tick the box below if you do NOT want to receive this Information [ ] by mail [ ] by phone Please tick the box below if you DO WANT to receive this information: address: [ ] by [ ] SMS text or picture messaging [ ] by fax Name (CAPS): Signature: Date: / / For Bank use: Comment added to comments and contacts section in customer portal indicating above preferences (tick box to confirm) [ ] Initial If at any time in the future you decide that you do not want to receive any marketing information from us at all, or in any particular form, please let us know by writing to us at: Danske Bank Data Protection Officer FREEPOST F1116, 1 Airton Close Dublin 24 (Freefone no: ). Name (CAPS): Signature / Date: te: Each person on a joint account must complete a separate form. For Bank use: Sort Code: Customer Name: Customer.: 8: YOU MAY WANT TO RETAIN A COPY OF YOUR PREFERENCES INDICATED ABOVE, OR A COPY OF THIS DOCUMENT, FOR YOUR RECORDS 14

15 Section 8 Signature Cards All applicants must complete sign and date a Signature Card form. Sole or First Applicant Signature Card Customer Number (Bank Use) I hereby give consent to Danske Bank A/S trading as Danske Bank to hold my signature on this form and electronically. The signature will be used when checking a signature on a document. Date Signature (The signature must be signed in black or blue ink and be kept inside the box) Bank use - Employee B Number : 15

16 All applicants must complete sign and date a Signature Card form. Joint Applicant Signature Card Customer Number (Bank Use) I hereby give consent to Danske Bank A/S trading as Danske Bank to hold my signature on this form and electronically. The signature will be used when checking a signature on a document. Date Signature (The signature must be signed in black or blue ink and be kept inside the box) Bank use - Employee B Number : 16

17 Personal Interest Rates For the latest Overdraft and Credit Card rates please see Credit Credit is subject to status and conditions. Written quotations are available on request. Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may af fect your credit rating, which may limit your ability to access credit in the future. APR* and Fees The APRs* and fees may vary. If your outstanding balance is less than 6, you must pay it off by the due date on your statement. If your outstanding balance is more than 6, you must pay a minimum of 6 or 3%, whichever is the greater. We reserve the right to withdraw this offer at any time. At the end of the introductory period, the standard rate of interest will apply. *APR - Annual Percentage Rate LC