Personal Current Accounts and Savings Accounts

Transcription

1 danskebank.co.uk Important information Keeping you up to date Personal Current Accounts and Savings Accounts This booklet contains important information about changes to your agreement with us and other important information about personal current accounts and personal savings accounts. For your own benefit and protection, you should read it and the full Terms and Conditions carefully.

2 IMPORTANT INFORMATION Summary of changes to your agreement with us and other important information PERSONAL ACCOUNTS 6. GEOBLOCKING A DEBIT AND CREDIT CARD SECURITY FEATURE Further information about Geoblocking which is a security feature on our debit and credit cards. Geoblocking allows cardholders to place security settings on their card to prevent use in certain countries and/or circumstances. Dear Customer This booklet contains important information about your agreement with us, including some changes we are making to the General Terms and Conditions - Personal Accounts. You will find more detail about the specific changes to the Terms and Conditions within the booklet. For your own benefit and protection, you should read this booklet and the full Terms and Conditions carefully. If you are under 16 years old please read this booklet with a parent or guardian to ensure you understand how these changes will affect you. You can get a full copy of the revised Terms and Conditions on our website at danskebank.co.uk/docs from 1 January 2016 or by contacting us in one of the ways set out in Section 8 of this booklet and requesting a paper copy. These are the standard Terms and Conditions we will rely on from 6 April 2016 and they will apply from that date. There are seven matters highlighted in this booklet. These are summarised for you below, so please familiarise yourself fully with these changes: 1. FINANCIAL SERVICES COMPENSATION SCHEME The Prudential Regulation Authority requires the bank to provide you, at least annually, with the information sheet and exclusions list relating to the Financial Services Compensation Scheme. 2. PERSONAL SAVINGS ALLOWANCE (PSA) There will be a change to how credit interest is paid to you from 6 April Most customers will not have to pay tax on their credit interest and credit interest will be paid without deduction of tax. 7. DANSKE FIXED TERM DEPOSIT ACCOUNT REMINDER OF EARLY CLOSURE AND WITHDRAWAL CONDITIONS Reminder of the early closure and withdrawal conditions that apply to a Danske Fixed Term Deposit Account. Where possible we are giving you at least two months notice of any changes to your Terms and Conditions. If you do not agree to these changes, you must tell us in writing before the notice period ends. In this circumstance you will have the right to end your account agreement with us before the end of the notice period. If you wish to end your agreement, you will also need to make arrangements to clear any outstanding debit balance before the end of the notice period. You will not have to pay any extra charges if you do this. If you do not object to the changes before the end of the notice period, you will be deemed to have accepted the changes. If there is anything you do not understand, please contact your branch or Account Manager. If any of your accounts is a joint account then, in line with the Terms and Conditions, we usually only advise the first named account holder about changes to the account Terms and Conditions. You should now ensure that any joint account holder is advised of the changes referred to in this booklet. Copies of this booklet are available on our website at danskebank.co.uk/docs from 1 January If you are experiencing financial difficulties, you should let us know as soon as possible. We will do all we can to help you overcome any difficulties. We hope you find this information useful. We have provided details in Section 8 of this booklet telling you how you can contact us should you have any questions or queries. 3. COMPLAINT HANDLING We will change how we handle complaints to comply with new regulations introduced by the Financial Conduct Authority. Please note that we have changed our Customer Services UK area codes from service numbers 0845 and 0870 to standard landline-rate numbers 0345 and 0370, the cost of which is always the same as calling a local or national landline. 4. WAYS TO REDUCE OR AVOID OVERDRAFT CHARGES AND INTEREST There are a number of ways you can reduce or even avoid overdraft fees, service charges and interest payments. Keeping track of your money is key to help you know exactly where you stand. Yours faithfully 2 5. FRAUD THINGS YOU NEED TO BE AWARE OF TO PROTECT YOUR MONEY We want to make you aware of some of the methods that fraudsters use to try to access your bank account or otherwise trick you into giving them your money. Tim Turner Head of Personal Products 3

3 CONTENTS 1. Financial Services Compensation Scheme (effective from 1 January 2016) The Prudential Regulation Authority requires the bank to provide you, at least annually, with the information sheet and exclusions list relating to the Financial Services Compensation Scheme. SECTION 1 Financial Services Compensation Scheme 5 Please note that with immediate effect the amount you are covered for is 75,000 SECTION 2 Personal Savings Allowance (PSA) 9 SECTION 3 Complaint Handling 10 SECTION 4 Ways to reduce or avoid overdraft charges and interest 11 INFORMATION SHEET Basic information about the protection of your eligible deposits Eligible deposits in Northern Bank Limited trading as Danske Bank are protected by: Limit of protection: the Financial Services Compensation Scheme ( FSCS ) 1 75,000 per depositor per bank / building society / credit union 2 SECTION 5 SECTION 6 Fraud - things you need to be aware of to protect your money 13 Geoblocking a debit and credit card security feature 16 If you have more eligible deposits at the same bank / building society / credit union: If you have a joint account with other person(s): Reimbursement period in case of bank, building society or credit union s failure: All your eligible deposits at the same bank / building society / credit union are aggregated and the total is subject to the limit of 75, The limit of 75,000 applies to each depositor separately working days 4 SECTION 7 Danske Fixed Term Deposit Account Reminder of early closure and withdrawal conditions 18 SECTION 78 How you can contact us 20 Currency of reimbursement: To contact Northern Bank Limited trading as Danske Bank for enquiries relating to your account: To contact the FSCS for further information on compensation: Pound sterling (GBP, ) or, for branches of UK banks operating in other EEA Member States, the currency of that State. Danske Bank PO Box 2111, Belfast, BT10 9EG Tel: Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Tel: or ICT@fscs.org.uk More information: If any of your accounts is a joint account then, in line with the Terms and Conditions, we usually only advise the first named account holder about changes to the account Terms and Conditions. You should now ensure that any joint account holder is advised of the changes referred to in this booklet. Copies of this booklet are available on our website at danskebank.co.uk/docs from 1 January

4 Additional information 1 Scheme responsible for the protection of your eligible deposit Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank, building society or credit union should occur, your eligible deposits would be repaid up to 75,000 by the Deposit Guarantee Scheme. 2 General limit of protection If a covered deposit is unavailable because a bank, building society or credit union is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum 75,000 per bank, building society or credit union. This means that all eligible deposits at the same bank, building society or credit union are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with 80,000 and a current account with 20,000, he or she will only be repaid 75,000. In some cases eligible deposits which are categorised as temporary high balances are protected above 75,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including: a) certain transactions relating to the depositor s current or prospective only or main residence or dwelling; b) a death, or the depositor s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity; c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction. More information can be obtained under 3 Limit of protection for joint accounts In case of joint accounts, the limit of 75,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of 75, Reimbursement The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: or , ICT@fscs.org.uk. It will repay your eligible deposits (up to 75,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply. Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating costs (in the case of a depositor which is not an individual or a large company) within 5 working days of a request. In the case of a depositor which is a large company, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 December 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. In the case of a depositor which is a small local authority, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 June 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under Other important information In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank, building society or credit union will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank, building society or credit union shall also confirm this on the statement of account. Exclusions List A deposit is excluded from protection if: 1) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank, building society or credit union. 2) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering. 3) It is a deposit made by a depositor which is one of the following:: credit institution financial institution investment firm insurance undertaking reinsurance undertaking collective investment undertaking pension or retirement fund 1 public authority, other than a small local authority 6 7

5 2. PERSONAL SAVINGS ALLOWANCE (PSA) (effective from 6 April 2016) The following are deposits, categories of deposits or other instruments which will no longer be protected from 3 July deposits of a credit union to which the credit union itself is entitled deposits which can only be proven by a financial instrument 2 unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014 deposits of a collective investment scheme which qualifies as a small company 3 deposits of an overseas financial services institution which qualifies as a small company 4 deposits of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small company 5 - refer to the FSCS for further information on this category. More information can be obtained under There will be a change to how credit interest is paid to you from 6 April Most customers will not have to pay tax on their credit interest and credit interest will be paid without deduction of tax. Credit interest on savings will be paid without deduction of tax this means you will get the gross amount of interest If your total taxable income (wages, pensions, credit interest on savings etc) is less than 16,800 you will not pay any tax on your savings Where your total taxable income exceeds 16,800 you may have to make arrangements to pay tax on your savings where the credit interest you receive exceeds your Personal Savings Allowance (PSA) The Personal Savings Allowance (PSA) will be: for basic rate taxpayers (20%) for higher rate taxpayers (40%) - 0 for additional rate taxpayers (45%) There is no longer a requirement to submit a Form R85 or R105 in order to get your credit interest paid without deduction of tax The government announced in the Budget 2015 that a new Personal Savings Allowance would be introduced with effect from 6 April Banks and building societies currently deduct tax from credit interest they pay on deposits of individuals, partnerships and trusts. This deduction arrangement will cease, so that from 6 April 2016 such credit interest will be paid without any deduction of tax. TOTAL TAXABLE INCOME PSA* 16,800-42,700 O% on credit interest of up to 1000 received on savings 42, ,000 O% on credit interest of up to 500 received on savings Above 150,000 You will pay tax on the total credit interest earned on your savings. * Tax will be payable by you on any credit interest received which exceeds your PSA. The Bank will no longer deduct this amount on your behalf. 1 Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not excluded 2 Listed in Section C of Annex 1 of Directive 2014/65/EU 3 Under the Companies Act 1985 or Companies Act See footnote 3 5 See footnote 3 ACTION REQUIRED From 06 April 2016 you will no longer be required to submit a Form R85 or Form R105 in order to get your credit interest paid without the deduction of tax. If you exceed the limits set out above you may need to fill in a Self Assessment tax return to HMRC. Please read the revised General Terms and Conditions, paying particular attention to clauses 16.2 Credit Interest. These will be available on our website at danskebank.co.uk/docs from 1 January

6 3. COMPLAINT HANDLING (effective from 30 June 2016) 4. WAYS TO REDUCE OR AVOID OVERDRAFT CHARGES AND INTEREST We will change how we handle complaints to comply with new regulations introduced by the Financial Conduct Authority. There are a number of ways you can reduce or even avoid overdraft fees, service charges and interest payments. Keeping track of your money is key to helping you know exactly where you stand. Here are some useful tips to help you do that: We will have up to 3 business days to resolve a complaint without the need to send you a final response letter. This will allow us to resolve complaints in a quicker, less formal manner If we resolve your complaint within 3 business days we will send you a summary resolution communication The Financial Conduct Authority will introduce new rules in relation to how we handle complaints. The new rules will benefit customers who wish to make a complaint by ensuring that complaints are handled fairly, quickly, and transparently. Currently complaints which are not resolved by close of business on the business day after receipt of the complaint enter into a formal 8 week complaint handling process. Under the new rules we will have up to the close of business on the third business day after receipt of the complaint to try to resolve the complaint before entering into the formal process. If your complaint is resolved within 3 business days you will receive a summary resolution communication from us. The summary resolution communication will be in writing and will: tell you that we consider your complaint has been resolved give you information about your right to refer your complaint to the Financial Ombudsman Service if you are dissatisfied ACTION REQUIRED Information on our complaint handling process can be found in our leaflet Putting things right for you. The updated version of this leaflet will be available on our website at danskebank.co.uk/docs from 30 June NOTE: Whether we provide credit depends on your circumstances, and you must be 18 or over. Lending terms and conditions apply. Overdrafts are repayable on demand. Use our digital banking to check how much money is in your account Set up free text or alerts Use cash machines for balance updates and mini statements Try to keep your account in credit Avoid using unarranged overdrafts Lodge funds to cover a payment due to be taken from your account Speak to us if you are in financial difficulties Use our digital banking to check how much money is in your account Keep control of your account by checking your balance regularly. At Danske Bank, with our ebanking, Mobile and Tablet Banking, there are more ways than ever to stay on top of your finances 24 hours a day, no matter where you are*. All of these services allow you to: Check your account balances and view records of payments to and from your account Transfer funds from other Danske Bank accounts belonging to you if your balance is low For more information on our Apps and to watch a demo of our Tablet Bank App, go to our website at danskebank.co.uk/ways-to-bank Set up free text or alerts Through ebanking, you can set up a range of alerts to give you information about your account. We can tell you: What your balance is you can arrange daily, weekly or monthly alerts When there is a debit on your account When there is a credit to your account When the balance in your account falls below a certain amount (you can set this amount) Alerts can be sent to you, free of charge, by or by text to your mobile phone. Use cash machines for balance updates and mini statements Check your balance and order mini statements showing recent transactions on your account at any Danske Bank cash machine in Northern Ireland. You can do this any time of the day or night. * ebanking, Mobile Banking and Tablet Banking services may be temporarily unavailable when we are carrying out routine maintenance. You must be registered for and have logged on to ebanking using your Access ID security to be able to use Danske Mobile Bank, Danske Tablet Bank and Apple Watch Apps. Danske Mobile Bank App is available for Windows, Android and ios devices. Danske Tablet Bank App is available for Android 10 and ios devices. 11

7 5. FRAUD THINGS YOU NEED TO BE AWARE OF TO PROTECT YOUR MONEY Try to keep your account in credit You will not pay any overdraft charges if you keep your account in credit. Avoid using unarranged overdrafts If you do need occasional access to extra funds in your current account, you should talk to us about arranging an overdraft. Arranging an overdraft with us in advance will cost you less in interest and charges than going into an unarranged overdraft. Please remember that overdrafts are repayable on demand. Lodge funds to cover a payment due to be taken from your account We allow you time to manage your account so this means that where a Standing Order, Direct Debit or Future Dated Payment is due to be taken from your account we allow you to bring your account into credit (by lodging sufficient cleared funds) or within your arranged overdraft limit on the day on which your payment is due. The cut-off time to do so depends on the type of payment that is due to be made. The detailed times are set out in the Payment Table. You can view the Payment Table on our website at danskebank.co.uk/docs Speak to us if you are you in financial difficulties If you are experiencing financial difficulties, then you should let us know as soon as possible. We will do all we can to help you overcome your difficulties. We want to make you aware of some of the methods that fraudsters use to try to access your bank account or otherwise trick you into giving them your money. You should always act in line with the following guidance: Never give anyone else your ebanking passwords (either on the phone or via a link on an ) not even if the looks authentic or the caller says that they are a bank official or a police officer. A Danske Bank employee will NEVER contact you by any means (phone, text or ) and ask you for all your ebanking log-on details A Danske Bank employee will NEVER ask you to transfer funds to another account and tell you that this is required for security purposes If you are in doubt about someone who tells you that they are calling from the Bank then you should end the call and phone the Bank. Always phone back using a different phone or phone someone you know and speak to them before you phone the Bank to ensure that you are on a different line Ensure that all your anti-virus and firewall protection is updated regularly on your computer Always access your ebanking by typing in the exact bank address in your browser (danskebank.co.uk). Don t use links from s or another site they could take you to a fake website that looks like ours If you ever receive an from someone you are due to pay money to advising you what bank account to send the money to, ALWAYS check with that person or business that the details (the bank sort code and bank account number) are correct, by speaking to the genuine person or business Be aware of other types of scam where fraudsters try to trick you into giving them your money ACTION REQUIRED If you would like to get a better summary of your finances, we have a useful budget calculator on our website at danskebank.co.uk/budgetcalculator You can also find free advice and easy-to-use tools to help with managing your money at We have set out below some of the more common types of fraud: ebanking Our online banking system (ebanking) relies on all of your ebanking log-on details (your UserID, password (this is a 4 digit PIN) and the number from your security card), being kept safe and known only by you. Fraudsters will try to trick you into giving them these details using some of the following methods: Telephone Scam ( vishing ) A fraudster phones you up pretending to be a bank official and tells you that there is a problem with your account (such as unauthorised transactions). The fraudster assures you that he is trying to help you with this problem. Sometimes the fraudster seems to know where you bank and perhaps mentions the name of a bank employee or a branch to add validity to their call. This is because the fraudster has often carried out research prior to phoning you. Sometimes the fraudster pretends to be from the Police, Microsoft or BT etc and they do this to alarm you and to trick you 12 into carrying out their instructions. 13

8 Eventually the fraudster will ask you to either reveal all your ebanking log-on details to them, including a number from your security card OR they may ask you to log-on to ebanking (as a virus is in place on your PC) OR ask you to transfer funds to an account that they give you the details of in order to, supposedly, keep the funds safe. In order to reassure you the fraudster may ask you to call them back immediately using the regular bank phone number. This can be another stage to the fraud because the fraudster does not hang up and so, when you think you have phoned the bank the same line has stayed open and you talk to the fraudster again, or an accomplice. Scam ( phishing ) and Text Message Scam [ smishing ] Fraudsters issue bogus s or text messages which appear to come from the Bank asking you to enter all your ebanking log-on details or your credit or debit card details. The or text message looks authentic and may be alarmist in nature saying that there is a problem with your account and providing you with a link to a fake log-on page. As you enter your log-on details on the fake log-on page they will be visible to the fraudster who will use the details to log-on to ebanking. Virus Attacks Fraudsters issue bogus s containing Virus Attacks which, if opened by the recipient, will download a virus on to the receiving computer. The effect of the virus is that the fraudster will be able to find out all your ebanking log-on details the next time you key them in and take over your online banking session. Meanwhile you will be experiencing an unsuccessful log-on attempt. Do not be fooled by these scams. Once the fraudster has your ebanking details they will attempt to steal all of the money from your accounts. If there has been an ebanking transaction on your account which you say that you have not authorised then you must contact us immediately to tell us. We will investigate the matter. You have a right to an immediate refund provided that you have not acted with intent or gross negligence. When deciding whether to provide you with a refund we will take into account whether you have complied with the steps set out in Clause 17 of the Special Terms and Conditions for ebanking. If you have not complied with those steps then we may decide not to make a refund. If you use ebanking and at any time think that the security of your ebanking has been compromised, please call our Customer Support team immediately on (within NI/UK) or +44 (0) * outside UK and report the matter to your local police station by calling 101. *Please refer to Section 8 for information on our full contact details, including opening hours. Software Scam This type of scam involves a fraudster phoning you and pretending to be from the technical department of a software or telecommunications company to tell you that your computer has a virus and that they can help you fix this. Eventually the caller will ask you to either log-on to your computer and carry out instructions which they give you or they will ask you to provide your bank card details in order to pay for the service they are providing. Genuine computer or software companies would never phone you up in such a way and you should take the following steps if you receive such a call:- Do not divulge any card numbers, bank account details or passwords to the caller Do not log-on to your computer as they may instruct you to do and do not carry out any online actions that they ask you to do Terminate the call Fraudulent s requesting payment A tactic used by fraudsters is to send you an which appears to be come from someone you are due to pay money to. The address of the incoming may vary slightly from the genuine address or may come from the genuine address which the fraudster has successfully hacked in to. The will request that you arrange to send the funds you are due to pay to a particular bank account identified by a 6 digit sort code and an 8 digit account number OR the will advise you of an amended sort code and account number to that which was previously advised to you. The sort code and account number advised to you by the fraudster will be the details of an account which they control and, if you send your payment to that account, the funds will almost immediately be removed or moved on by the fraudster. To avoid falling victim for this type of scam you should always confirm the correct sort code and account number for payments by speaking with the person you are sending the funds to. If you have been the victim of a scam and have paid money away, in the majority of cases Danske Bank will not be able to recover those funds for you. However, we do take all cases seriously and our staff will be happy to take the details of your case and the information will be used to support our ongoing efforts to combat fraud and to help protect you and others from falling victim to such scams. ACTION REQUIRED Read the Special Terms and Conditions ebanking on our website at danskebank.co.uk/docs paying particular attention to Clause 17 and the steps that you must take to keep your ebanking passwords safe. You can also read general information about how to protect yourself from online and other frauds on our website at danskebank.co.uk/ebankingsecurity 14 15

9 6. GEOBLOCKING A DEBIT AND CREDIT CARD SECURITY FEATURE Further information about Geoblocking which is a security feature on our debit and credit cards. Geoblocking allows cardholders to place security settings on their card to prevent use in certain countries and/or circumstances. Cardholders can change the security settings on their debit and/or credit card, and restrict it from being used in certain countries and/or for internet transactions Cardholders can manage these security settings on ebanking, Mobile and Tablet Banking or by contacting the Bank In September we introduced a new security feature on our personal debit and credit cards called Geoblocking. You should be aware that Geoblocking will not apply to Chip and PIN transactions, since this type of transaction is not as susceptible to fraud. The new feature allows the cardholder to restrict the use of their debit and/or credit card: In specific geographic areas e.g. where the cardholder has no plans to travel to that part of the world; and/or For internet transactions. If you block internet you should be aware that some recurring transactions (sometimes known as continuous payments) will not be paid. To be sure that a recurring transaction has been cancelled you must contact us. If you do not want to block any recurring transactions then you should not block internet It is not possible to set geographic limitations for internet transactions It is easy to manage the security settings on debit and credit cards. Cardholders can do this: Online change the settings yourself in ebanking or Mobile and Tablet Banking Apps By telephone contact us on * and we will adjust the security settings for you In Branch visit your local branch and ask any advisor. Cardholders can change the security settings whenever they wish. Such changes will take immediate effect. How do I Set Up Geoblocking On the Mobile App? To set up Geoblocking on the mobile app, once you sign in you should select the Account section of the wheel. From there you will see a list of your accounts and a small card icon will be shown on the accounts with a debit or credit card You should then click on the 3 dots to the right of the account balance, this will take you to an overview screen for the account selected where you will find Geoblocking in the card section Click on Geoblocking and you will be taken to the Geoblocking screen where you can manage your Geoblocking card settings How do I Set Up Geoblocking On the Tablet App? To set up Geoblocking on the tablet app, once you sign in you will be taken to the Dashboard, where you will see a list of your accounts in the Account Overview section. You should select the account that the card is attached to in the Account Overview section of the Dashboard You should then click on the 3 dots to the right hand side of the top of the screen, this will take you to your Account Settings screen where you will find Geoblocking in the card section Click on Geoblocking and you will be taken to the Geoblocking screen where you can manage your Geoblocking card settings How do I Set Up Geoblocking On ebanking? To set up Geoblocking in ebanking, once you sign in you will be taken to an Accounts overview screen, where you will see a list of your accounts and a small card icon will be shown on the accounts with a debit or credit card. You can get to the Geoblocking screen from here in one of 3 ways. You can: 1. Click on the card icon beside the account Within the Card Details screen scroll down to the Geoblocking section Select Edit Security Settings 2. Click on Cards & Currency in the menu items at the top of the screen Select Card overview Click on the Arrow to the left of the Card Name and select Geoblocking which will take you to Edit Security Settings 3. Click on the arrow to the right of the account balance Select Geoblocking from the Card section which will take you to Edit Security Settings Once you click on Edit Security Settings, you can manage your Geoblocking card settings. ACTION REQUIRED More information about Geoblocking, including a full set of Frequently Asked Questions can be found at danskebank.co.uk/geoblocking If you are not currently an ebanking user and would like to be able to manage your card settings using Geoblocking, you should register on our website today at danskebank.co.uk/ebanking or speak to your branch for further information. 16 * Please refer to Section 8 for information on our full contact details, including opening hours. 17

10 7. DANSKE FIXED TERM DEPOSIT ACCOUNT REMINDER OF EARLY CLOSURE AND WITHDRAWAL CONDITIONS Reminder of the early closure and withdrawal conditions that apply to a Danske Fixed Term Deposit Account. Closure of, or withdrawal from a Danske Fixed Term Deposit Account can only be permitted on the maturity date In special circumstances, you may apply to us in writing to close the account, or make a withdrawal from the account, before the maturity date If we approve your application to close the account, or make a withdrawal from the account, and the term of the account is for six months or longer, the closure or withdrawal will not be processed until ninety days after the date the application is approved An administration fee, currently 10, together with an early withdrawal charge is payable in the event of an early withdrawal or closure The Danske Fixed Term Deposit Account is a fixed savings account this means that the maturity date and interest rate are both fixed at the outset. If you have a Danske Fixed Term Deposit Account you will not be permitted access to the funds invested until the maturity date. If the term of your account is one month or longer you will receive a reminder letter prior to the maturity date. The reminder letter will contain the maturity date and provide you with information on what will happen to the funds in the account on the maturity date. If you have selected, or are considering, re-investment of your funds at maturity, you need to be sure that you will not need to access the funds before the new maturity date. For example, you should consider whether you may have any short term expenditure for which you will require access to these funds. Similarly, you should also consider whether you have sufficient funds instantly available for any emergencies which may be reasonably expected to occur. Should you wish to change your instructions at the maturity date, for example to amend your selection so as not to re-invest your funds or to make a withdrawal from your account, you can do so up to the business day before the maturity date, either via ebanking or by contacting your branch. When the funds have been re-invested withdrawals will not be permitted. If you need to request a withdrawal or close the account before the maturity date you can only do so if there are special circumstances. You need to write to us to explain what the special circumstances are and we will then consider your request. We are not obliged to grant your request. If we do grant your request then you will have to pay an early withdrawal charge which will consist of a funding cost based on movements in the interest rate market since the date when your account started. We will tell you how much this charge will be if we decide to allow you to close the account or make an early withdrawal. In addition an administration fee (currently 10) will be applied to your account. If the Fixed Term Deposit Account is for a term of six months or more then you will also have to wait ninety days before we will pay any funds to you. ACTION REQUIRED When you receive your reminder letter, which is sent prior to maturity (for terms of one month or longer) please consider whether you need to amend your maturity instructions either to make a withdrawal from your account, or to close the account, at maturity. If you need to amend your maturity instructions you can do so up to the business day before maturity either via ebanking or by contacting your branch

11 8. HOW YOU CAN CONTACT US You can contact us if you have any questions or to arrange an appointment by: phoning us; or writing to us through ebanking or through our website at danskebank.co.uk HOW TO CONTACT US BY PHONE (See Notes 1, 2 and 3 opposite) Days Time Contact Number HOW TO CONTACT US IN WRITING Secure communication using ebanking ebanking s secure function allows you to read and send messages to and from the bank: Log-on to ebanking Select Contact Us Select New Message Type your message Send your message Secure communication using Danske Mobile Bank / Tablet Bank Apps General Service Monday to Friday Saturday and Sunday 8am to 8pm 9am to 4.30pm / ebanking customer support (technical enquiries and questions about how the service works) (see the notes opposite) Danske Mobile Bank /Tablet Bank Apps allows you to read and send messages to and from the bank: Log-on to the app Select Contact or Contact Us and additional info Select New Message Type your message Send your message Calls within the UK Calls from outside the UK Monday to Thursday Friday Saturday and Sunday Monday to Thursday Friday Saturday and Sunday 24 hour emergency phone numbers Lost or Stolen cards MasterCard Standard, MasterCard Standard Plus & MasterCard 24/7 From outside the UK MasterCard Gold From outside the UK MasterCard Platinum & MasterCard Platinum Plus From outside the UK VISA Standard From outside the UK Debit MasterCard From outside the UK 8am to 10pm 8am to 5pm 9am to 4.30pm 8am to 10pm 8am to 5pm 9am to 4.30pm int +44 (0) int +44 (0) int +44 (0) int +44 (0) int +44 (0) int +44 (0) Secure communication using our website at danskebank.co.uk To arrange an appointment: us: For help with installing and using ebanking: By Post Write to: Fill in the Arrange an appointment form Fill in the Send to Danske Bank form Fill in the Online Form Danske Bank PO Box 2111 Belfast BT10 9EG Notes 1. Support from General Service or ebanking customer support will not be available on bank holidays or other holidays in Northern Ireland when the bank is not open for business. 2. We may record or monitor calls to confirm details of our conversations, for your protection, to train our staff and to maintain the quality of our service. Call charges may vary - please refer to your phone company for more details. Customers calling from mobile phones may be charged a different rate. 3. Please note that the cost to call our Customer Services UK area codes on 0345 or 0370 within the UK is always the same as calling a local or national landline number. ebanking, Danske Mobile Bank and Danske Tablet Bank Apps may be temporarily unavailable when we are carrying out routine maintenance

12

13 This publication is also available in Braille, in large print, on tape and on disk. Speak to a member of staff for details. You can also read this publication on our website at danskebank.co.uk/docs Danske Bank is a trading name of Northern Bank Limited and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered in Northern Ireland Number: R568 Registered Office: Donegall Square West Belfast BT1 6JS Northern Bank Limited is a member of the Danske Bank Group. Correct as at 01/ UK