Private Banking Currency Account. Terms and Conditions Personal Currency Account Individuals. Non-personal Currency Account PRIVATE BANKING

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1 PRIVATE BANKING Private Banking Currency Account Terms and Conditions Personal Currency Account Individuals Non-personal Currency Account Sole Traders, Partnerships, Executors and Administrators, Trusts Clubs, Societies and Charities, Limited Liability Partnerships, Limited Companies Applicable from 2 September 2016

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3 Terms and Conditions This booklet contains the general conditions and special conditions that apply to the Bank of Scotland Private Banking Currency Account for personal (individuals) and non-personal customers (namely sole traders, partnerships, executors and administrators, trusts, clubs, societies and charities, limited liability partnerships and limited companies) and some related services. Please read it carefully and keep for future reference. The examples (shown by (i) ) in these Terms and Conditions help to explain our terms but don't form part of these Terms and Conditions. Conditions SECTION 1 - Introduction to this agreement 1 How this agreement works and who it applies to 1 SECTION 2 - Special conditions 2 SECTION 3 - General conditions 7 PART A - Contact and security 7 1. Contacting each other 7 2. Security 7 3. Statements and Information 8 PART B Banking services 8 4. Opening and processing times and general provisions about payments 8 5. Payments into your account (Deposits) 8 6. Payments out of your account (Withdrawals) Reward payments, interest and fees Overdrafts Benefits packages included with certain accounts 15 PART C General Joint customers (personal accounts) and business relationship terms (non-personal accounts) Authorising others to operate your accounts How and when we can make changes to this agreement General liability Using money between accounts (set-off) Ending or suspending this agreement or account or service Transferring rights and obligations Not enforcing this agreement Law applying to this agreement Third party rights What happens if you do not meet the conditions we set for an account type 20 SECTION 4 - General points to note 20 How can you complain 20 How we are regulated 20 Advertising 21 Withdrawals 21 Other information including International Payments 21 Our contact details 22

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5 Section 1 Introduction to this agreement how it works and who it applies to This agreement is for Private Banking currency accounts and related services for personal customers aged over 18 and non-personal customers (namely sole traders, partnerships, executors and administrators, trusts, clubs, societies and charities, limited liability partnerships and limited companies) resident or registered in the United Kingdom ( UK ) and who are Bank of Scotland Private Banking customers. It is made up of the general conditions and special conditions in this document and any additional conditions we give you for these accounts or services. Additional conditions are the daily overdraft fees, other fees, interest rates and other terms that apply to a specific service or account that are not included in the general conditions or special conditions. These will include, for example, the terms set out in the interest and fees leaflet applicable to your account and in your application form(s). We will tell you which conditions apply when you take a new product or service from us. In this agreement, we are Bank of Scotland plc. For details of who you and authorised signatories are please see the special conditions which apply. An important part of our role as your bank is to provide you with services to help you manage your finances. We do not generally provide advice, but we can use information we have about you to suggest other services we think might interest you. To find out more about how we and other Lloyds Banking Group companies use your personal information (including if appropriate that of your directors, officers and authorised signatories), please read Our Privacy Statement which you can find at co.uk/importantinformation/securityandprivacy.asp or ask your Private Banking and Advice Manager for a copy. This agreement only covers accounts and services we provide for your personal and non-personal use. If you have a personal account you must only use this for personal purposes. If you have a non-personal or business account you should not use this for personal purposes. We do not have to accept that anyone, apart from you, has any right to, or interest in, the money in your account (for example, if you are keeping some or all of the money in your account for someone else). You may not be eligible for all of the accounts or services covered by this agreement or all the features they have e.g. an overdraft. We may also limit the number of accounts or services you can hold with us. In addition, not all the services and facilities covered by this agreement are available on all accounts. For example, Telephone Banking, mobile and Internet Banking services are not available on some accounts. Additional conditions or special conditions may add to the general conditions but may also override an overlapping term in the general conditions. Please ask us if you have any questions about this agreement or any other matter by calling your Private Banking and Advice Manager. Services and facilities on your account We provide the following main services and facilities depending on the type of account: Crediting of payments made into your account. Debiting of payments made out of the credit balance on your account. You may ask us to make a payment out of your account in a variety of ways including by writing a cheque, by setting up a Direct Debit or standing order, or by requesting cash or by using your debit card. You may: specifically request, and we may agree to provide, a planned/authorised overdraft which will allow you to borrow money from us up to a certain limit; make an informal request for an unplanned / unauthorised overdraft, by instructing us to make a payment which, if we choose to comply with it, would make your account exceed (or further exceed) its overdraft limit or, if you have no planned / authorised overdraft, cause your account to be overdrawn (or further overdrawn). (Unless we have guaranteed to a third party that we will make the payment, we do not have to comply with an informal request for an unplanned/unauthorised overdraft.) Chequebook (including cancellation and replacement if lost or stolen). Regular bank statements (either online or by post). Access to a 24-hour service so that you can contact us at any time to carry out transactions, answer queries or obtain assistance. There are additional services and facilities which you may ask for. These include, among others, stopping cheques, the special presentation of cheques, issuing Banker s drafts, providing you with copies of paid cheques or extra copies of statements and CHAPS payments. You should consider which account is best for you. If you wish to change the type of account that you have at any time, you should contact us to discuss the options available. Fees for our services Our current fees are listed in the interest and fees leaflet applicable to your account. Additional fees may also apply for some transactions that are not covered by this agreement. Fees for these services are contained in separate conditions which you will receive when you ask to use those services. Under this agreement you agree to pay us those fees in exchange for the various services that we provide, including the main services and facilities. You can keep up to date with them by telephoning us, by visiting a branch or by looking at our website. This will allow you to decide whether or not you wish to incur them, and to manage your account accordingly. The fees which you will have to pay will depend upon the type of account that you have and the way in which you operate your account. If your account remains in credit then you will not usually have to pay any fees for having the benefit of the main services and facilities but we will charge you a daily fee or interest if at the end of any day, your account is overdrawn. Daily fees and interest rates for planned/authorised overdrafts are lower than daily fees and interest rates for unplanned /unauthorised overdrafts. Our 1

6 charging structure means that, in exchange for receiving the benefit of the main services and facilities, including the benefit of any overdraft that causes a daily fee or interest, you agree to pay our fees, including daily fees. What can you do to minimise overdraft fees? Repay any overdraft as soon as you can. If your account offers an overdraft facility, ask us about arranging an overdraft as our daily fees and interest rates are lower for planned/authorised overdrafts than unplanned/ unauthorised overdrafts. Check your available balance by contacting your Private Banking and Advice Manager or by using Telephone Banking. The money in your account must be available for withdrawal (for example, you must have waited for any cheques you have paid into your account to be available). If you go into overdraft in the course of a day, ensure that your overdraft is repaid by 5.00 pm that day to avoid paying the daily fee or interest for that day. Keep a record of any cheques you write and when they have been paid, so that you know how much money is left in your account. Someone can pay a cheque you have written into their account up to six months after you have written it. Check your statements and make a list of the dates of your regular payments (for example, mortgage, loan or rent). Keep a list of when all your Direct Debits and standing orders are due. If a Direct Debit payment date is at a bad time in the month for you, (for example, just before you are paid), contact the company involved and ask them if they would collect it at a more convenient time. If you have fees to pay, remember to include these in your budget. Information that will help you to keep track of your finances is available in the interest and fees leaflet applicable to your account. If your account offers the facility, sign up to receive mobile alerts if you go into an unplanned/unauthorised overdraft. Changes to facilities and fees We review our services and facilities, and the way in which we charge for them, from time to time. In Section 3 we set out when we may change the conditions and fees for your account and how we will tell you about the changes. Section 2 - Special Conditions Special Conditions for the Bank of Scotland Private Banking Currency Account 1 The account these Special Conditions cover 1.1 This document sets out special conditions for the Bank of Scotland Private Banking Currency Account ( Currency Account ) both for personal customers resident in the United Kingdom ( UK ) and for nonpersonal customers established as businesses whether as a sole trader, partnership, limited partnership, limited liability partnership, limited company and other non-personal customers whether an executor, administrator, trust, club, society, charity or other form acceptable to us, resident in the UK (other than in the Isle of Man or the Channel Islands). 1.2 Unless otherwise agreed in writing with us, you must maintain a sterling account with Bank of Scotland Private Banking in order to be eligible for a Currency Account. 1.3 The Currency Account is an account denominated in a currency other than sterling. 1.4 These special conditions apply to your Currency Account only. In the event of any overlap and/or inconsistencies between these conditions and any other conditions relating to any of our other products or services, the conditions relating to such other products or services will take precedence in respect of those products or services. 1.5 In the case of a non-personal Currency Account, if you or any individuals associated with your business have a personal Currency Account or other personal account with us it will be operated on terms and conditions specific to that account. Those personal banking terms and conditions do not affect or change the terms (express or implied) of this currency account agreement. 1.6 The maximum number of account holders is five. 2 How this agreement works 2.1 The General Conditions in Section 3 ( General Conditions ) generally apply to your Currency Account except as described in condition 2.2 below. 2.2 Certain of the General Conditions relating shall not apply to your Currency Account. In particular: Internet Banking and SMS text alerts services are not available for the Currency Account and all the provisions of the General Conditions to the contrary are disapplied; the provisions of condition 4.2 (Cash payments into your account (deposits)) of these special conditions will govern the treatment of cash payments into your Currency Account and condition 5.2 of the general conditions will not apply to cash deposits; 2

7 2.2.3 condition and 5.3 of the General Conditions does not apply to your Currency Account. We tell you about paying foreign cheques into your Currency Account at Special Condition 4.4 below; you may not set up direct debits or standing orders on your Currency Account and the provisions of condition 6 of the General Conditions are modified accordingly; no chequebook is issued with the Currency Account and any provision of the General Conditions relating to cheques drawn on your account do not apply; no debit cards are available on the Currency Account and any provisions of the General Conditions relating to card payments do not apply; and daily fees and reward payments. If there is a credit balance, interest may be payable. See the Interest and Fees brochure for the Currency Account for details on interest rates and other fees payable you may use the Telephone Banking service to ask for information on the Currency Account but that service is not available to effect transactions on your account and any provision of the General Conditions relating to Telephone Banking transactions will not apply to your Currency Account. 2.3 These special conditions are additional and supplemental to the General Conditions. If any of these special conditions for the Currency Account conflict with the General Conditions, these special conditions will prevail. 2.4 This agreement replaces any terms and conditions or other agreements that may have applied to your Currency Account. 2.5 In this agreement: you are the person, or in the case of a non-personal currency account, the business or organisation (whether a sole trader, partnership, executor or administrator, trust, club, society or charity, limited liability partnership or limited company) who has/have applied for the Currency Account and in whose name(s) the account is opened. Where you (not being a body corporate) consist of two or more persons, you means all or any of such persons and the liability of such persons will be joint and several authorised signatories are, in the case of a non-personal currency account, any persons(s) you may nominate in an Authority (see below) as signatories with full or limited power to operate your Currency Account. The level of their authority will be set out in the Authority In the case of a non-personal Currency Account: unless otherwise agreed in writing with us, you must operate your Currency Account in accordance with the authority form you completed (and as amended from time to time) when you applied for a non-personal Currency Account ( Authority ); and the Authority and Currency Account Conditions including these special conditions cover our dealings with you pursuant to the terms of the Authority. Subject to any legal or regulatory requirements which may apply to your Currency Account you authorise us to act upon any instruction or arrangement that is given or made in accordance with your Authority without our enquiring about the purpose, the beneficiary, the disposition of the payment proceeds or the circumstances in which any of your instructions are given. 2.6 We reserve the right to decline to open a Currency Account. 3 Statements and information 3.1 We will provide you with statements for your Currency Account at six monthly intervals in June and December of each year. Statements will also be available to you upon request at monthly intervals. 3.2 Payment transactions will be shown on your Currency Account in the currency in which the account is denominated. 4 Banking Services 4.1 Opening and processing times and general conditions about payments You agree to our deducting our reasonable charges from payments into your Currency Account before applying such payments to your Currency Account. If we deduct any charges under this condition, we will give you details of the amount of the money we receive and of our charges for receiving the money in our charges confirmation or account statements. 4.2 Cash payments into your account (deposits) Cash payments into your Currency Account will be accepted only if they are in the currency in which your Currency Account is denominated We outline below the different ways in which you can pay in cash to your account. How quickly the funds will be available for you to use and start to earn interest (if applicable) will depend on when we receive the cash payment. (i) Cash may be paid in at a branch of Bank of Scotland plc or Halifax but only in the currency of the account. We will tell you when this will show in your account. In some cases this might not be until the next working day. We will pay interest on it (or use it to reduce the interest you pay) if it reaches your account before 5pm. If it reaches your account after 5pm it will be credited on the next working day. The same applies if you pay cash into a branch on a Saturday, except that we will 3

8 not pay interest on it (or use it to reduce the interest you pay) until the next working day. (ii) Cash may be paid in at Express Pay-in facilities, and in that case we will show the money in your account and allow you to use it as soon as it is counted and we will pay interest on it (or use it to reduce the interest you pay) from that day Cash payments into your Currency Account cannot be made at the Post Office. 4.3 Sterling cheques paid into you account When you pay a sterling cheque into your account we will convert the cheque into the currency in which your account is denominated, and Special condition 6.1 will apply. The provisions of Condition 5.2 of the General Conditions relating to sterling cheques will also apply. 4.4 Foreign cheques paid into your account Foreign cheques mean cheques denominated in a foreign currency or cheques denominated in sterling drawn on an account at a bank abroad (that is, in countries other than the UK, the Isle of Man, Gibraltar or Channel Islands) If you want us to obtain payment for you of a foreign cheque, you must endorse the cheque by signing your name on the back. If you are a business or organisation requiring individuals to sign on your behalf, the person endorsing the cheque must sign and print his/ her name, state the capacity in which he is signing and write for followed by your name as it appears on the front of the cheque If you wish to pay a foreign cheque into your account, the processing times for dealing with UK cheques do not apply. We may not be able to accept cheques in all foreign currencies. We generally try to negotiate a cheque but if we can't or if you ask we can collect it. (i) If we negotiate the cheque, we will buy it from you by paying you the amount of the cheque or the equivalent amount in the currency in which your account is denominated. It will take two working days for the payment to be credited to your account. We will then get payment from the paying bank. (ii) If we collect the cheque, we send it on your behalf to the paying bank. We may use an agent to do this. We will pay the amount of the cheque or the equivalent amount in the currency in which your account is denominated into your account on the day we get payment from the paying bank. The time this takes will vary depending on who the paying bank is and where it is located. You can ask us for details The exchange rate we use when converting a foreign cheque into the currency in which your account is denominated will be: (i) Bank of Scotland s standard exchange rate for the relevant currency applied on the day we buy the cheque from you in a case where we are negotiating the cheque for you; or (ii) Bank of Scotland s standard exchange rate for the relevant currency applied on the day we receive the payment from the paying bank where we are collecting the cheque for you If the foreign bank later returns the cheque or asks for the money to be returned, we will take the currency or the sterling equivalent from your account. If we converted the cheque into sterling, we will change it back into the foreign currency using Bank of Scotland s standard exchange rate for the relevant currency on the day we take it from your account. We will do this even if you have already spent the money or it will put you into overdraft. This normally means we take a larger amount from your account than we originally paid in. The exchange rate for the foreign currency may also have worsened between our paying the money in and taking it out We will take our charges for dealing with foreign payments, and any charges by the foreign bank, including any charges resulting from the foreign bank returning the cheque unpaid or asking for the money to be returned, from the account you told us to pay the cheque into Occasionally it is not possible to obtain payment of foreign cheques because of local foreign exchange or other restrictions If we incur any costs or other obligations as a result of negotiating or collecting a foreign cheque, you must reimburse us and take any other steps needed to put us in the position we would have been in had we not attempted to negotiate or collect the cheque Any foreign currency cheque will only affect any interest we charge from the working day that the funds are credited to your account. 4.5 Payments into your account (other than cash and cheque payments) How quickly payments into your Currency Account can be made will depend on the currency of your account If we receive an electronic payment for you in sterling or euro into a euro-denominated Currency Account on a Working Day, we convert it into euro (if the payment is in sterling) and apply the monies to your Currency Account and make them available for you immediately we receive them. We pay interest on the payment (or use it to reduce the interest you pay) on the same day. If we receive such a payment for you on a non Working Day, we convert it into euro (if the payment is in sterling), apply the monies to your eurodenominated Currency Account and make them available and pay interest on them (or use them to reduce the interest you pay) on the next Working Day For electronic payments received in currencies other than sterling or euro, or for 4

9 any payment into a Currency Account that is not denominated in euro, monies are made available to you, and interest paid on them (or they are used to reduce the interest you pay) as soon as reasonably practicable unless we tell you otherwise. Timing varies depending upon the currency involved and whether any currency conversion is required. We will provide details about the different timings where required. If you need further information please contact your Private Banking and Advice Manager. 5 Payments out of your account (withdrawals) 5.1 General conditions about payments out of your account When giving us payment instructions you must provide us with the beneficiary s bank sort code, account number and, if known, full name and address or, where applicable, their BIC number and IBAN, or the beneficiary s bank s SWIFT address or National Clearing Code. We will rely on the sort code and account number for the beneficiary and, where applicable, the other details that you provide to us. You are responsible for giving us the correct details and for checking that you have done so You consent to our including your full name, address, sort code and account number on the payment details sent to the beneficiary s bank to comply with anti-money laundering regulations Payment transactions will be executed in the currency agreed for the account unless instructed otherwise You can consent to our making a payment or a series of payments from your Currency Account before we make the payment and if we agree, after you make the payment. You must give consent before the execution of a payment transaction and, depending on the procedure, in one of the following ways: (i) for transactions initiated in writing (other than by facsimile or by ), by signed written instructions; and (ii) for payment instructions made by telephone with your Private Banking and Advice Manager, by giving your oral payment instruction and satisfying security checks he may carry out Once we have received your payment instruction, you cannot withdraw your consent to the payment unless you inform us that you withdraw your consent at any time up to the cut-off time on the Working Day immediately before that set for the payment. In the case of a series of payments, you may withdraw your consent to our making them up until the cut-off time on the Working Day before the day set for the next payment and we will operate your Currency Account on the basis that you do not consent to making the remaining payments If you are making a payment in an EEA currency, we will send the full amount of the payment to the person named in your payment instruction. We will send the money without deducting any of the charges we incur for making the payment but will deduct our charges from your Currency Account which shall be set out in our confirmation or your account statement. 5.2 Payments If you hold a euro account and you ask us to make a euro denominated payment to a person with an account at a bank in the EEA (including the UK, Monaco or Switzerland), the payment will reach the payee's bank account no later than the next Working Day, after we receive the payment instruction and payments in other EEA currencies/swiss francs to another EEA country will reach the payee's account no later than four Working Days If you ask us to make a payment to another Bank of Scotland plc account we will take the money from your account and it will reach the other account straightaway You can ask us for details about how long the payment should take to arrive. We cannot control exactly when it will be received by the foreign bank. This will depend on the banking practice of that country but should be no longer than 14 Working Days. There is more information on timescales in the interest and fees leaflet Some banks may not be open for the transaction of normal banking business on UK Working Days, for example where a bank observes a non-uk bank holiday. In these circumstances the time period within which the payment will be received by the payee bank may be longer. 6 Payments to and from your account 6.1 Unless agreed otherwise, we use Bank of Scotland standard exchange rates for foreign exchange for transactions. Bank of Scotland standard exchange rates is the exchange rate decided by Bank of Scotland plc and applied by us to transactions involving foreign exchange which is current at the time of the transaction. Rates of exchange in respect of transactions for the equivalent of 25,000 or more may be agreed on a transaction-by-transaction basis. 6.2 You can obtain details of current Bank of Scotland standard exchange rates and the rate that may apply to a payment over 25,000 by telephoning your Private Banking and Advice Manager. 6.3 We may change our exchange rates at any time and without notice to you. Such changes to an exchange rate will be applied immediately. 7 Reward Payments, Interest and Fees 7.1 We calculate interest on your Currency Account daily on the pound sterling equivalent of the amount of currency in your account. 7.2 The Currency Account is a tracker account and the rate of interest we pay or charge you tracks a 5

10 reference interest rate and may change from day to day. The reference interest rate your Currency Account tracks and the interest rates that apply to your Currency Account vary according to the currency in which your Currency Account is denominated: If your account is denominated in euro, both the interest you earn and the interest you pay us will track the Euro Overnight Index Average Rate ( EONIA ) If your account is denominated in US dollars both the interest you earn and the interest you pay us will track the federal funds rate For all other Currency Accounts please contact your Private Banking and Advice Manager or refer to bankofscotlandprivateclients.co.uk/ privatebanking/currency-account.asp for details of reference interest rates that apply. 7.3 The interest rate on your Currency Account will also depend on the total balance of your account. Please refer to the Interest and Fees brochure for the Currency Account which is available online at privatebanking/currency-account.asp or ask your Private Banking and Advice Manager for details. 7.4 Any interest payable will be calculated daily on the cleared credit balance in your account. Interest will be accrued to the last working day of February, May, August and November in each year and paid to your Currency Account on each of 10th day of March, June, September and December directly into your Currency Account. Details of how interest and fees are charged can be found in Condition 8 (Overdrafts) and in the Interest and Fees brochure for your account which is available online at bankofscotlandprivateclients.co.uk/privatebanking/ currency-account.asp or from your Private Banking and Advice Manager. 7.5 No Reward Payment is payable on the Currency Account. 7.6 We will not tell you personally about any overdraft fees and interest you have to pay before we take them from your account. 8 Overdrafts 8.1 We may at any time withdraw or restrict any right to an overdraft or demand immediate repayment of your overdraft. We will write to you if we require any repayment of your overdraft. 8.2 If your Currency Account is not denominated in euro or any other EEA currency, we will provide you with reasonable advance notice of any reduction in your overdraft limit and give you at least the minimum period of notice required by law or regulations. 8.3 By EEA we mean the European Economic Area (Members of the EU plus Norway, Iceland and Liechtenstein). 8.4 Interest will be calculated by us daily on the cleared debit balance in your account. Interest will be accrued to the last working day of February, May, August and November in each year and will be charged to your Currency Account on the following 10th day of March, June, September and December. 8.5 You will be responsible to us for all debts on your Currency Account. 9 Changes to our interest rates, reward payments, fees and conditions 9.1 We may change the interest rate on your account at any time. Unless special condition 9.3 applies, we will always inform you with reasonable advance notice of any change to the interest rate and give you at least the minimum period of notice required by law or regulation. 9.2 When we give you advance notice of a change to the interest rate on your account, you can close your account (without charge) at any time within the notice period we give you. If you do not do so we are entitled to assume that you have accepted the change on the date the change comes into force. 9.3 We may change the interest rate on your account immediately without prior notice if the change is to your advantage. We will then inform you of the change as soon as possible. 9.4 When we tell you personally about a change we can do this by letter, , text, statement inserts or messages or in any other way which is sent to you individually. 10 Ending this Agreement or an account or a service 10.1 This Agreement shall continue until terminated in accordance with the General Conditions and this condition We reserve the right to require a Currency Account to be closed without giving a reason. This applies even if closure of the Currency Account results in a loss of tax benefits, and we will not be liable to compensate you for any loss of tax benefits or other consequential or indirect losses whatsoever and howsoever arising You may close your Currency Account at any time by informing us in writing If your Bank of Scotland Private Banking sterling account is closed, we may give you two months notice to close your Currency Account. 11 Notice Any notice (other than notification of changes to interest rates referred to in condition 10 above) to be given by either party in relation to the account shall be in writing, sent by facsimile (in which case deemed to be received the next Working Day after sending), post (in which case deemed to be received two Working Days after posting) or otherwise delivered by hand to the other party. The address for any such notice for us will be the address of the office where your Private Banking and Advice Manager is based, until further notice. The address for any such notice for you will be the address you have given us for correspondence. Either party may change address for communication by giving seven days notice in writing to the other party. 6

11 Section 3 - General Conditions Part A - Contact and security 1. Contacting each other 1.1 Our contact details page sets out the telephone numbers you should use to contact us for specific purposes in connection with your account. 1.2 Any instructions you give us are not effective until we actually receive them. If available on your account for the particular service you wish to carry out, you can usually use our Telephone, Internet Banking and mobile services and cash machines at all times but occasionally repairs, updates and routine maintenance on our systems and those of our suppliers may mean that a particular service cannot be used for a short time (usually just minutes). 1.3 We will contact you using the contact details you give us. You must tell us if your name or contact details change. If you do not tell us, we will go on using the details you last gave us, and we will not be responsible if we fail to contact you or if we send confidential information to the wrong address using out of date details. We may charge you our reasonable costs of finding you (or trying to find you) if your contact details are not up to date. 1.4 It may be unlawful for you to use Internet Banking or mobile services in some countries. You must check this and take appropriate action, such as not using these services. You will be liable if you break foreign laws, and for any loss you cause us as a result. 1.5 We may listen into or record any phone calls with you to check we have carried out your instructions correctly, to help improve our service, check that we comply with our regulatory obligations, and to help detect or prevent fraud or other crimes. 2. Security 2.1 When we contact you or you contact us we need to check your identity before you can give us instructions or we can disclose or discuss confidential information about your accounts. For this reason: you must sign instructions given on paper; when you are in a branch, we may ask you for identification (please see the Withdrawals paragraph at the Important Points to Note section at the back of this booklet); and if you are contacting us or giving us instructions by any other method (for example by using a card, Telephone, Internet Banking or by mobile services) you must do so using the Security Details we have given to you or agreed with you personally. Security Details can be processes or security procedures we ask you to follow or use, for example, a password or other information, security numbers or codes such as Personal Identification Numbers ( PINs ), to make an instruction or confirm your identity, and which may be used in combination with something we give you, such as a card with a PIN. 2.2 As long as we have checked your identity in one of the ways set out above, we will assume that we are dealing with you. 2.3 You must: follow instructions we give you, which we reasonably consider are needed to protect you and us from unauthorised access to your accounts; not let anyone else use any of your cards or Security Details, not even someone sharing a joint account with you as he or she will have his or her own; keep your cards and Security Details secure and protect cards from damage; do all you reasonably can to make sure no one finds out your Security Details, for example by not: choosing obvious passwords or codes (such as your date of birth) as part of your Security Details; writing your Security Details on, or keeping them with your cards or banking documentation; writing down your Security Details in a way that is recognisable; or letting anyone listen in to your calls with us, or watch you entering or making use of your Security Details; not let anyone else give instructions, or have access to information, on your accounts unless he or she has a separate arrangement with us to do so, or you have authorised him or her to do so under condition 11; and if there is a place for your signature, sign any card as soon as you have received it. 2.4 If you use Internet Banking or mobile services, your computer, modem and mobile phone must meet any reasonable requirements we may set; you must carry out your own regular virus checks; and you must not change or copy any software we provide, or give it to another person. 2.5 We may replace or renew your card with a different type of card available under this agreement. We will tell you about the features of the card when we send you the replacement card and if the replacement card would change the terms of this agreement we will give you notice under condition You must tell us as soon as you can (see our contact details) if you: notice any errors; find our services are not working; think any cards or Security Details have been lost, stolen, damaged or are being misused; or think someone may be accessing your accounts without your authority or that someone has discovered your Security Details. 7

12 2.7 We strongly recommend you do not us confidential information or instructions (as they must only be given through Internet Banking) and you should not respond to s asking for your account information, Security Details or any information about your card as we will not ask for these details by . If you use , it is at your own risk. 2.8 We will do all we reasonably can to prevent unauthorised access to your accounts and to make sure they are secure. 2.9 Where your account is a non-personal account, you acknowledge that any individual (whether or not listed in your accounts opening form or the Authority) can access your account if they pass our standard customer verification procedure on any of our accounts or if they already have an established relationship with you which is recorded on your accounts. Our standard customer verification procedure can be passed by anyone who has access to your bank statements and banking information. It is therefore important that you keep your bank statements and banking information in a secure place and do not disclose them to anyone who you do not want to have access to your account. 3 Statements and information 3.1 We will make a statement available each month there are payments on the account and will provide you with a paper statement regularly and at least once a year. 3.2 Where statements are available for your account, you can order a paper statement at any branch or through Telephone Banking (where available). 3.3 You can ask us to provide you with a copy of a paper statement we have already provided but we may charge you for this. 3.4 We may use messages on or with your statements to tell you about changes to this agreement or to other agreements or services you have with us. 3.5 You are responsible for checking statements, text messages or other account information we give you. If you tell us about any errors on your account, or if we notice any errors, we will correct them as soon as reasonably possible. 3.6 You must give any information and help we reasonably ask for to deal with misuse or unauthorised access to your accounts, or in relation to any other transaction we, the police or other authorities are investigating. We may pass on related information to the police or other authorities, in the UK or (if appropriate) abroad. 3.7 Your statement will set out all the payments into and out of your account and will contain other additional information we are required to provide you about those payments. For international payments, where any information is not provided you can ask us for details. Part B Banking services 4 Opening and processing times and general conditions about payments 4.1 We process payment instructions on the working day we receive them. To do this we must receive the payment instruction before the cut-off time for that working day. This is explained in further detail in the condition below. In this Part B the time periods we give assume we receive a payment, or your payment instruction, before the cut-off time on a working day. 4.2 Working day has a particular meaning in this agreement: By working day we mean Monday to Friday (other than English bank holidays). Although some payments can be made on non-working days, the processing of these payments is not completed on our systems until the next working day as explained below The cut-off time for making payments depends on how and where a payment is made, but for a payment in sterling within the UK is not usually before 3.30 pm (UK time). You can ask us for details, and we have some extra information about cut-off times for particular payments in your Price List. If the payment instruction is not received by the cut-off time on any working day, we will treat it as being received the next working day. You can ask us for further information about the relevant cut-off times. 4.3 We may refuse to accept a payment into an account or make a payment from it if we reasonably believe that doing so might cause us (or another company in the Lloyds Banking Group) to breach a legal requirement or might expose us (or another company in the Lloyds Banking Group) to action from any government or regulator. 5 Payments into your account (deposits) 5.1 General conditions about payments into your account In this condition 5 we explain the timing of different types of payment into your account, including: when we show payments in your account; if we pay or charge interest on your account, when we start including payments in our interest calculations (either to work out how much to pay on your balance or how much to charge if your account is overdrawn); and when payments are available for you to use for withdrawals or for making payments out of your account. 5.2 Cash and cheque payments into your account The following table sets out details of when you can withdraw funds, and when those funds will be included in our interest calculations, where you make a payment into your account: in cash sterling; or by sterling cheque from a bank, other than Bank of Scotland, in the UK, the Isle of Man, Gibraltar or Channel Islands (the paying bank ). 8

13 Type of Payment Where Paid In When you can withdraw funds When Included in Interest calculation Cash In branch before 5pm, or using Express Pay-In before 4pm Same day Same day In branch after 5pm, or using Express Pay-In after 4pm Next working day Next working day In branch or using Express Pay-In on a non-working day Next working day Next working day Via a Cashpoint (if you have a card with your account) Next working day Next working day Cheques In branch before 5pm, or using Express Pay-In before 4pm 4 working days after the day of deposit 2 working days after the day of deposit In branch after 5pm, or using Express Pay-In after 4pm or on a non-working day 5 working days after the day of deposit 3 working days after the day of deposit Via a Cashpoint (if you have a card with the day of deposit 5 working days after the day of deposit 3 working days after the day of deposit Payments at the Post Office If cash or a cheque is paid in at the Post Office an extra working day has to be added to these timings. Bank of Scotland cheques Where we are also the paying bank, and the cheque is from: a Bank of Scotland personal account and for a value of up to 1,000 and is paid in either at a branch counter before 5pm or an Express Pay-in before 4pm, we will show it in your account and allow you to use it on the same day that we receive it. We will start paying you interest (if applicable) straight away. For cheques over 1, we will allow use and pay interest at the times stated in the table above a Bank of Scotland business account and you pay the cheque into the branch holding that account, we will show it in your account and (if applicable) pay interest on it (or use it to reduce the interest you pay) on the same working day that we receive it and it will be available for you to use the next working day. If you do not pay in the cheque at the branch holding the business account, we will deal with it in the same way as a cheque from a non-bank of Scotland account. All cheques We will show a cheque in your account on the same day that we receive it A cheque may still be returned unpaid up until the sixth working day after we receive it. From the end of the sixth working day after we receive it, if the cheque is returned unpaid by the paying bank, we cannot take money from your account without your consent unless you have acted fraudulently So, for example, if you pay in a non-bank of Scotland cheque on a Monday, you will see it on your account the same day, it counts towards interest (if applicable) on Wednesday, you can use the money on Friday and we cannot take the payment out of your account after the following Tuesday. For cheques paid in by other means, an additional working day is added to the times shown above If a cheque is returned unpaid by the paying bank before the end of the sixth working day from the day it is paid in, we can take the money back out of your account, even if you have already spent it or it puts you into overdraft. If this happens, we will let you know. There may be a charge for this which is detailed in the interest and fees leaflet for your account If you need to be sure a cheque has been paid, please ask us about our special presentation service at the time you pay in the cheque. We will tell you if there is a fee for this service. 5.3 Foreign cheques paid into your account If you want us to obtain payment for you of a sterling cheque paid out of an account at a bank abroad or a cheque which is not in sterling, please ask us for details of our foreign cheque payment service. 5.4 Payments into your account (other than cash and cheque payments) This sub-condition covers payments that are not made by cash or cheque, such as standing orders and direct transfers from another account When we receive a payment for your account in sterling ( ), we will show it in your account and (if applicable) it will earn interest (or reduce interest you pay) from that day. We will allow you to use it straightaway. If you make a transfer between your personal accounts with us on any non-working day, the 9

14 amount you transfer will leave one account (account A) and will be available for you to use from the other account (account B) that day. If applicable, the amount will count towards interest on account A until the next working day when it will count towards interest on account B. International payments into your account When we receive a payment for your account in a foreign currency, we will convert it into sterling before we pay it into your account. We will show it in your account and make it available for you to use straightaway and (if applicable) pay interest on it (or use it to reduce the interest you pay) from the same day. For some currencies, we may be unable to convert the payment into sterling on the day that we receive it. If this is the case, we will convert it as soon as we are reasonably able to and will add it to your account up to two working days after we receive it We will use our standard exchange rate for buying the relevant currency that applies on the day we receive the payment. You can find out our standard exchange rates by calling us on the number given in our contact details at the back of this booklet We may take our fees for dealing with the international payment before we add it to your account but if we do so we will tell you the full amount of the payment and the fees that applied. Details may also be found in our interest and fees leaflet for your account. 6 Payments out of your account (withdrawals) 6.1 General conditions about payments out of your account We are entitled to assume we are dealing with you, and that you have agreed to us acting on any instructions, without getting further confirmation from you: if you or an Authorised Signatory (in accordance with the Authority) ask us to make a payment using your Security Details (for example a card and PIN at a cash machine or the passwords you have chosen for Telephone or Internet Banking) as long as any relevant security checks have been completed by us or, in the case of a card with contactless functionality, using that functionality; and otherwise, if you or an Authorised Signatory (in accordance with the Authority) have signed a cheque or other document containing the payment instruction. (For the avoidance of doubt we do not accept payment instructions or consent to payment by ); and if we receive a payment instruction is in any other way, provided the instruction is in accordance with the process we have agreed with you For us to make a payment for you within the UK, we normally need the sort code and account number and any other details we ask for. To make an international payment we will also need the recipient s full name and address, their bank s name and address and the following details: For international payments in euro to a bank account in a SEPA country The international bank account number (IBAN) of the recipient s account. Sometimes we will also need the business identifier code (BIC). For international payments in a currency other than euro to a bank account in a SEPA country The international bank account number (IBAN) and the business identifier code (BIC) of the recipient s account. For any other international payment The recipient s account number and other information we need for the particular payment, for example if there are individual requirements in the country you wish to send money to. You must check that the details are correct before asking us to make a payment If we accept your instructions to make a payment on a future date, we will make the payment that day. If the payment falls due on a non-working day we will make the payment on the next working day We explain when you need to tell us if you want to cancel or change a payment instruction in further detail below. If you ask us to cancel a payment instruction, we may charge you our reasonable costs for trying to cancel it, whether or not we succeed If you need to give us a payment instruction which is particularly important, you should contact us either in person (by going to a branch) or by Telephone banking or by contacting your Private Banking and Advice Manager You will not be able to give a payment instruction using a card or your Security Details if we have stopped, or suspended, your ability to use them. We can do this if we reasonably consider it necessary for reasons relating to: the security of a card or your Security Details; or suspected unauthorised or fraudulent use of a card or your Security Details; or a significantly increased risk that you may be unable to pay any money you owe us on the relevant account. Unless the law prevents us from doing so or we believe it would undermine our security measures, we will try to contact you by telephone or in writing in advance to tell you that we have done this and our reason for doing so. If we are unable to tell you in advance, we will tell you as soon as possible 10

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