Sharedeal. Securities Trading

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1 Securities Trading

2 Contents Sharedeal 4 Trading 6 Frequently Asked Questions 7 Important Information 11

3 Sharedeal is a quick and convenient way of buying and selling stocks and shares on a nonadvised basis online via our ebanking facility, Danske Mobile Bank and Danske Tablet Bank Apps. Alternatively you can trade by telephone if preferred. Trade securities online With our online solutions (ebanking, Danske Mobile Bank and Danske Tablet Bank Apps) you can trade securities at a time and place that suits you. You can: Buy and sell securities without needing to speak to a dealer Use limit orders to specify the highest price you will pay for shares and the lowest price at which you will sell your shares Use our online tools to help manage your investments Access your personalised pages to check on the progress of your portfolio Trade from as little as 15 per transaction You can place trades 24 hours a day. If you place a trade outside the opening hours of the market on which the security is listed, it will be accepted, but will only be transmitted to Danske Bank AS for execution when the market re-opens and will be subject to any limit price specified by you. Trade securities by telephone If you prefer to trade by telephone, Sharedeal Support will quote an indicative price and ask you if you want to place your trade. If you confirm, we will transmit the trade to Danske Bank AS for execution on your behalf. You can trade by telephone between 8.30 am and 4.30 pm Monday to Friday (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). The Sharedeal Support number is Important: The price you will be quoted online and by Sharedeal Support is an indicative price, which means that it may not be the price you receive. These indicative prices are updated every 15 minutes. Getting Started To use Sharedeal, you must open a Custody Account at your local Danske Bank branch. The Custody Account will be used to hold the securities that you own. Within the Custody Account all securities are held in a dematerialised form i.e. electronically, and not in physical form e.g. share certificates. Once your Custody Account has been set up, you can buy/sell securities online, or via the telephone, as well as view details of your holdings at any time online via ebanking, Danske Mobile Bank and Danske Tablet Bank Apps. Dematerialisation and Transfer of securities Sharedeal provides the facility to transfer any existing paper based securities you hold into electronic format within your Custody Account. This process is known as dematerialisation. The dematerialisation process takes approximately 15 business days from the date you take your paper based securities into your local Danske Bank branch. During this time, you will not be able to trade the securities which are being dematerialised. Danske Bank is not liable for any loss suffered as a result of the inability to trade these securities during this time. Securities that you already hold in an electronic format with another custody provider may be transferred to your Custody Account. We do not charge for this service however, you should contact your existing custody provider for details of their charges, if any. When your securities have been dematerialised or transferred to your Custody Account, they can be viewed online and traded. Following their receipt, dividend/interest payments will be credited to your nominated Danske Bank current account. Risk Factors Any stock market investment involves risk. The value of your investment and any income you take from it can go down as well as up. It is possible that the value may fall below your original investment and you may get back less than you originally invested. You should also be aware that past performance is not necessarily a guide to future performance and if you cash in your investment, its value may be less than you have originally invested. Before you decide to invest, it is important to understand these risks. If you require further information, please contact your local Danske Bank branch. 4 5

4 Trading Frequently Asked Questions Our Sharedeal service enables you to buy and sell shares listed on the UK FTSE ALL Share Index and a wide range of other UK and Overseas securities. You can buy and sell a selection of shares and other securities listed on other global markets including the major Europeans markets, the New York Stock Exchange and the NASDAQ. Trading Charges A brokerage fee will apply to all trades. Charges are based on a number of factors. These include: Method of trading Value of holding Asset Class invested in Region/Sector selected It should be noted that the transaction charges for trading by telephone are substantially more expensive than the transaction charges for trading online. Details of the current prices and trading charges can be supplied upon request and can also be found in the Terms and Conditions for Custody Accounts and the Terms and Conditions for Securities Trading ( Sharedeal ). Terms and conditions are available from any of our branches. Whether you trade online or by telephone, confirmation of your trade will be sent to you in the form of a contract note. We will provide you with valuations of your holdings on a half yearly basis and an annual consolidated tax report. How can I trade? You can trade online via ebanking, Danske Mobile Bank and Danske Tablet Bank Apps or by phoning Sharedeal Support. Via ebanking By completing an ebanking agreement you can trade via our website, Via Danske Mobile Bank and Danske Tablet Bank Apps You must be registered for and have logged on to ebanking using your Access ID security to be able to use Danske Mobile Bank and Danske Tablet Bank Apps. Once you have downloaded the Apps you can trade via the trade segment on the Investment wheel (Danske Mobile Bank App) or by using the Buy and Sell buttons within the Custody Markets and Watchlist functions (Danske Tablet Bank App). Staff in your local Danske Bank branch can provide you with a demo on the trade functionality within the Danske Mobile Bank and Danske Tablet Bank Apps. By telephone You can trade between 8.30 am and 4.30 pm Monday to Friday (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). The Sharedeal Support number is What UK securities can I trade? You can buy and sell shares listed on the UK FTSE ALL Share Index and a wide range of other UK securities. 6 7

5 What overseas shares can I trade? You can buy and sell a selection of shares and other securities listed on other global markets which are specified in Schedule1 to the Terms and Conditions for Securities Trading ( Sharedeal ) including the major European markets, the New York Stock Exchange and the NASDAQ. Terms and conditions are available from any of our branches. For further guidance on which overseas shares can be traded, contact Sharedeal Support between 8.30 am and 4.30 pm Monday to Friday (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). The Sharedeal Support number is What are the trading hours? Online You can place a trade 24 hours a day. If the trade is transmitted while the relevant market is open, Danske Bank AS will usually execute the trade immediately. If a trade is placed outside the opening hours of the market on which the security is listed, it will be accepted, but will only be transmitted for execution when the market re-opens and will be subject to any limit price specified by you. By telephone Sharedeal Support is available to place your trades between 8.30 am and 4.30 pm Monday to Friday (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). The Sharedeal Support number is Can I trade via fax, or letter? No, we will not accept instructions by fax, or letter. Can I purchase or sell an ISA through this service? No. What will I be asked when I trade via the telephone? In addition to verifying your identity you will need to quote your Custody Account number. Sharedeal Support will then ask you to confirm, The exact description of the shares you want to buy/sell (for example Lloyds Banking Group Ord shares) The number of shares you wish to buy/sell or a monetary amount of shares you wish to buy/sell It is important to note that a trade placed for a monetary amount will be automatically converted into units / nominal amounts due to the fact that securities are only traded in whole numbers. The amount you will be charged when the trade settles may therefore differ from the amount you entered at the time of placing your trade. Sharedeal Support will then quote you an indicative price and ask you to confirm your instructions. Do I have to quote the number of shares as opposed to the cash amount I want to invest or realise? You can place a trade for a monetary amount or you can quote the number of shares you wish to buy/sell. It is important to note that a trade placed for a monetary amount will be automatically converted into units / nominal amounts due to the fact that securities are only traded in whole numbers. The amount you will be charged when the trade settles may therefore differ from the amount you entered at the time of placing your trade. How quickly can I start trading? Once you have received confirmation that your Custody Account has been opened you can begin to trade, provided that sufficient cleared funds are available in your associated Danske Bank current account. Am I guaranteed the price quoted when I place a deal? No, the price you will be quoted online and by Sharedeal Support is an indicative price, which means that it may not be the price you receive. These indicative prices are updated every 15 minutes. How do I pay for my purchases? To place a trade you must have cleared funds available in your associated Danske Bank current account. 8 9

6 Important Information What are the trading charges? Please refer to Schedule 4 in the Terms and Conditions for Securities Trading ( Sharedeal ) for details of our transaction charges. Terms and conditions are available from any of our branches. It should be noted that the transaction charges for trading by telephone are substantially more expensive than the transaction charges for trading online. Can you sell paper certificates for me? Paper based securities must be transferred into electronic format (dematerialisation) and added to your Custody Account prior to trading. What dealing types do you offer? You can place a trade for transmission to Danske Bank AS in one of two ways, either Order Execution by Agent or Order Execution by Agent (Limit). The Limit order allows you to specify a price at which you are prepared to trade for up to a maximum of 30 calendar days. If the trade has not been executed by the agent (Danske Bank AS) at the end of the period, the trade will expire. What is the settlement period? The settlement period will be dependant on the type of security. Our settlement period for most securities is 2 business days after the trade date. What happens if I do not settle a trade? We reserve the right to sell your investment and to suspend trading. You will be liable for all re-sale costs and you will bear the market risks (i.e. if the securities have to be sold at a price below that which you bought them for, you will be liable). Will I receive a confirmation of trades? You will receive a contract note for each trade placed and this will be sent by post no later than the first business day following the trade. Will I receive a statement? You will receive a statement every six months detailing all securities held in your Custody Account. You will also receive an annual consolidated tax report. You can log on and check your holdings at any time via ebanking, Danske Mobile Bank and Danske Tablet Bank Apps. What happens if there is a Corporate Action on one of my holdings? We will use reasonable endeavours to notify you of any Corporate Actions and if action is required we will point out the options open to you. We will not provide advice on the merits of any action that you may decide to take. Who should I contact if I have any other questions? Should you have any queries about opening a Custody Account please contact your local branch. If you have any queries about online or telephone trading our Sharedeal Support is available to answer your questions between 8.30 am and 4.30 pm Monday to Friday (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). The Sharedeal Support number is Risk Factors Before trading, we recommend that you read the Risk Warnings contained within Schedule 2 of the Terms and Conditions for Securities Trading ( Sharedeal ). Foreign markets will involve different risks from the UK markets. In some cases the risks will be greater. The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates. Our online services (ebanking, Danske Mobile Bank and Danske Tablet Bank Apps) 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 and Danske Tablet Bank Apps. Danske Mobile Bank App is not available on Windows or Blackberry. Danske Table Bank is for ipad only. We may record or monitor calls for your protection, to train our staff and to maintain the quality of our ongoing service. Call charges may vary. Please refer to your service provider. Sharedeal is an execution only securities trading service. This means we will not give you any form of investment or tax advice nor will we advise you on the merits of a particular transaction. We are not required to assess the suitability for you of the securities or services offered. Therefore, you do not benefit from the protection of the Financial Conduct Authority s rules on assessing suitability

7 THIS SHAREDEAL - SECURITIES TRADING BROCHURE IS A FINANCIAL PROMOTION AS DEFINED BY THE FINANCIAL CONDUCT AUTHORITY S CONDUCT OF BUSINESS SOURCEBOOK. Danske Bank is a trading name of Northern Bank Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Northern Bank Limited is entered in the Financial Services Register, registration number The FCA is located at 25 The North Colonnade, Canary Wharf, London, E14 5HS. The FCA s other contact details can be found at The PRA is located at 20 Moorgate, London, EC2R 6DA. The PRA s other contact details can be found at Registered in Northern Ireland (Registered number R568) Registered Office: Donegall Square West, Belfast BT1 6JS Northern Bank Limited is a member of the Danske Bank Group This publication is also available in Braille, in large print, on tape and on disk. Speak to a member of staff for details. Correct as at 05/2015 COM UK

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