Business Current Accounts and Savings Accounts

Transcription

1 danskebank.co.uk Important information Keeping you up to date Business Current Accounts and Savings Accounts This booklet contains important information about changes to your agreement with us and other important information about business current accounts and business 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 BUSINESS ACCOUNTS Dear Customer This booklet contains important information about your agreement with us, including some changes we are making to the General Terms and Conditions - Business Accounts. For your own benefit and protection, you should read this booklet and the full Terms and Conditions carefully. You can get a full copy of the revised Terms and Conditions on our website at danskebank.co.uk/busdocs from 1 July 2016 or by contacting us in one of the ways set out in Section 9 of this booklet and requesting a free paper copy. These are the standard Terms and Conditions we will rely on from 1 September 2016 and they will apply from that date. There are eight matters highlighted in this booklet. These are summarised for you below, so please familiarise yourself fully with these changes: 1. FRAUD THINGS YOU NEED TO BE AWARE OF TO PROTECT YOUR PERSONAL INFORMATION AND BUSINESS BANK ACCOUNTS We want to make you aware of some of the methods that fraudsters use to try to access your bank account. It is important that anyone you have authorised to access your account ( a User ) is also made aware of this information. 2. CHANGES TO THE PAYMENT TABLE PAYMENTS OUT OF YOUR ACCOUNT We will change the definition of maximum execution time set out in the Payment Table. 3. EXTENDED CUT-OFF TIMES FOR CHAPS PAYMENTS The cut-off time before which you can send a CHAPS payment each day is being extended. 4. ELIGIBILITY CRITERIA FOR OUR BUSINESS CURRENT ACCOUNTS ARE CHANGING The eligibility criteria for our Business Current Accounts are changing. 5. REMOVAL OF BANK IDENTIFIER CODE (BIC) REQUIREMENT FOR SEPA EURO CREDIT TRANSFERS A BIC will no longer be required for SEPA Euro Credit Transfers (these are any euro payments being sent from your account to a country within the Single Euro Payments Area.) The International Bank Account Number (IBAN) will still be required. 6. CURRENT ACCOUNT SWITCH SERVICE EXTENSION OF REDIRECTION PERIOD If you have switched your current account to Danske Bank using the Current Account Switch Service, you may benefit from an extension of the payment redirection period. 7. OPEN PGP (PRETTY GOOD PRIVACY) If you are a customer with specific needs to communicate directly with the Bank and you have Open PGP software you can now send secure communications (including payment transaction files) to the Bank using Open PGP. 8. INTERNET SECURITY UPGRADES Web browsers (e.g. Internet Explorer, Safari, Chrome) are making changes to their internet security which may affect you being able to access our website. 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/busdocs from 1 July 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 9 of this booklet telling you how you can contact us should you have any questions or queries. 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. Yours faithfully Mark Beattie Head of Business Products 2 3

3 CONTENTS 1. FRAUD THINGS YOU NEED TO BE AWARE OF TO PROTECT YOUR PERSONAL INFORMATION AND BUSINESS BANK ACCOUNTS We want to make you aware of some of the methods that fraudsters use to try to access your bank account. It is important that anyone you have authorised to access your account ( a User ) is also made aware of this information. Always act in line with the following guidance: SECTION 1 Fraud Things you need to be aware of to protect your personal information and business bank accounts 5 SECTION 2 Changes to the Payment Table Payments out of your account 10 SECTION 3 Extended cut-off times for CHAPS payments 11 SECTION 4 SECTION 5 Eligibility criteria for our business current accounts are changing 12 Removal of Bank Identifier Code (BIC) requirement for SEPA Euro Credit Transfers 14 SECTION 6 Current Account Switch Service extension of redirection period 15 SECTION 7 Open PGP (Pretty Good Privacy) 16 SECTION 8 Internet security upgrades 17 SECTION 9 How you can contact us 18 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/busdocs from 1 July Make sure that all of your Users know that they should never give anyone else their Business 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 a User by any means (phone, text or ) and ask them for all of their Business ebanking log-on details A Danske Bank employee will NEVER ask a User to transfer funds to another account for security purposes If a User is in doubt about someone who says that they are calling from the Bank then the User should end the call and phone the Bank. The User should always phone back using a different phone or phone someone that they know and speak to them before phoning the Bank to ensure that the phone line has been cleared Make sure that all Users have a separate note of the Customer Support Team number and ensure that this is always the number they use : Customer Support Team * Ensure that all of the anti-virus and firewall protection is updated regularly on your systems and make sure that anyone using your computers does not access s, websites or attachments which might download a virus on to your systems. We strongly recommend that all Users download Webroot SecureAnywhere on to all PCs that are used to access Business ebanking Users should always access Business ebanking by typing in the exact bank address in the browser (danskebank.co.uk) or from the browser favourites. Don t use links from s or another site they could take the User to a fake website that looks like ours If a User experiences problems logging on to Business ebanking, close the attempted session down and contact the Customer Support Team immediately on the number set out above Be aware of other types of fraud which might affect your business You may also benefit from contacting your insurance broker to discuss the types of insurance that might be available to protect your business against the consequences of fraud * Please refer to Section 9 for information on our full contact details including opening hours 4 5

4 We set out below some of the more common types of fraud that you need to be aware of when using online banking. Further information is available on our website at danskebank.co.uk/onlinesecurity-tips Our online banking system (Business ebanking) relies on all of the Business ebanking log-on details (the UserID, personal security password and the security code which is generated by the User s esafeid device) being kept safe and known only by the User. Fraudsters will try to trick Users into giving them these details using some of the following methods. Virus Attacks Fraudsters issue bogus s containing attachments which, if opened by the recipient, will download a virus on to the receiving computer. The virus infects the computer. This means that the next time a User logs on to Business ebanking using that computer the fraudster will be able to find out all of their Business ebanking log-on details and will be able to take over the online banking session. Meanwhile the User will not be able to log-on and may think that there is a technical fault with Business ebanking. If you have set up your Business ebanking so that payments must be authorised by two Users the fraudster might create a pop-up message asking for another User to input their details on the same computer or there might be a pop-up message providing the User with a phone number to call for support. Do not be tricked by this scam. The User should immediately contact the Danske Bank Customer Support Team on *. In the meantime do not use the infected computer until a full virus check has been completed. Telephone Scam ( vishing ) A fraudster phones a User pretending to be a bank official and says that there is a problem with your account. The fraudster assures the User that he is trying to help with this problem. Sometimes the caller seems to know where you bank and perhaps mentions the name of a bank employee to add validity to their call. This is because the fraudster has often carried out research prior to phoning. Sometimes the fraudster pretends to be from, for example, the Police, Microsoft or BT and they do this to alarm you and to trick you into carrying out their instructions. Eventually the fraudster will ask the User to either reveal all of their Business ebanking log-on details, including the security code generated by the esafeid device OR they may ask the User to log-on to Business ebanking (as a virus is in place on the PC) OR ask the User to transfer funds to an account (details of which are provided by the fraudster) in order to, supposedly, keep the funds safe. In order to reassure the User the fraudster may ask the User to call them back immediately using the regular bank phone number. This can be another stage to this fraud because the fraudster does not hang up and so, when the User thinks he/she has phoned the bank the same line has stayed open and the User ends up talking 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 the User to enter all of their Business ebanking log-on details. The or text message looks authentic and may be alarmist in nature saying that there is a problem with your account and providing a link to a fake log-on page. As the User enters his 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 Business ebanking. Meanwhile the User may get a message to say that there is a technical fault or the system may time out. Make sure that your Users are not fooled by these scams. Once the fraudster has a User s Business ebanking details they will attempt to steal all of the money from your accounts. If there has been a Business 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. Except where you are a corporate opt-out customer you have a right to an immediate refund provided that you have not acted fraudulently, with intent or gross negligence. In considering this matter we will take into account whether you have complied with the General Terms and Conditions - Business Accounts and the Special Terms and Conditions for Business ebanking. Things you can do to protect your accounts We strongly recommend that you familiarise yourself with the various security features of Business ebanking and ensure that you have taken steps to create the necessary settings within Business ebanking where you want to avail of these features: Dual authorisation of payments with this control in place all payments need to be initiated by one User and approved by a second User before they take effect. We would also recommend that each User logs-on using a different PC Payment limits using the Administration module in Business ebanking you can use payment limits to control payments executed through Business ebanking. You can create a payment limit on an account and/or on an individual User depending on your requirements Locked creditor or beneficiary listing using the Administration module in Business ebanking you can ensure that payments can only be made to a list of known creditors. If any new payees are added to the list then the Administrator has to separately approve this before the payment can be made We also strongly recommend that all your Users download Webroot SecureAnywhere (WSA) or an alternative appropriate anti-virus software to all PCs used to access Business ebanking. * Please refer to Section 9 for information on our full contact details including opening hours 6 7

5 This needs to be downloaded by each User to the PC that they are using you cannot download WSA on to a business server. WSA software provides award-winning security software that will help protect you against viruses and online threats designed to steal your online banking information. Webroot SecureAnywhere (WSA) AntiVirus software* is available free from Danske Bank and can be accessed after you log-on to Business ebanking. We also want to make you aware of two particular methods that fraudsters are increasingly using in their attempts to trick you and your business into sending funds to bank accounts which the fraudsters have control over or access to: Invoice Redirection Fraud This involves the fraudulent alteration of the beneficiary payment details of a genuine invoice that your business may be due to pay. Typically, the stages of the fraud are as follows : The fraudster carries out research aiming to find out who your creditors are and what invoices are due to be paid to them and when are they due Sometime prior to the due payment date the fraudster will your company (or send a letter), purporting to be a creditor, and advise you of new bank account details to which payment should be made, or The fraudster will you a copy of an invoice which will bear bank account details of the fraudster s choosing If you apply the advised payment details when you pay the invoice the payment will go to the account controlled by the fraudster and will almost certainly be dispersed from there immediately by the fraudster The fraud will usually be discovered some time afterwards when the legitimate creditor queries nonpayment of funds due to them A tell-tale sign of this fraud can be the nature of the which your business receives advising of the amended payment details. Although the address of the incoming may appear to be from the usual address of your creditor, the fraudster will have created a bogus account with minor variations. Here are two fictitious examples : james.ryanabcd@hotmail.com (genuine) jamesryanabcd@hotmail.com (bogus) liz.smythabcd@stantons.com (genuine) liz.smythabcd@stantons.net (bogus) Bogus addresses are not always used by the fraudsters. Sometimes they successfully hack the real address of the creditor and send the bogus , from the real address. Another tell-tale sign can be that the bogus invoice or headed paper which the fraudster submits is often an altered and scanned copy of an original printed on to paper using a domestic printer and the company logo may appear less sharp and slightly blurred. Fraudulent internal (also known as CEO Fraud) This fraud type is somewhat similar to Invoice Redirection Fraud except it involves bogus s which may circulate within your business authorising payments to be made from your bank account. Typically, the stages of the fraud are as follows: The fraudster carries out research trying to find out the names of Directors and the names of those members of staff authorised to make payments on the company s behalf The fraudster might combine this research with attempts to hack into the accounts of key people within your business Eventually the fraudster will send an , either from a hacked account of someone within your business or from a bogus address that appears to belong to someone within your business. The will instruct a person authorised to make payments, to make a payment to a bank account that is controlled by the fraudster Although not exhaustive, here are some examples of actions you can take to avoid being a victim of these types of fraud: Always authenticate requests to change fundamental elements of invoices such as bank details with the creditor. For example, make a phone call to a known contact Look out for different contact numbers and addresses for creditors as these may differ from those recorded on previous correspondence Ensure that staff with responsibility for paying invoices look out for irregularities and changes to details on invoices and, if necessary, make contact with the creditor to verify details Have a set of processes and procedures which all staff adhere to in respect of authenticating internal s which request that payments be made from your bank account Make sure that all of your Business ebanking Users are aware of the information in this section. Download Webroot SecureAnywhere (WSA) or an alternative appropriate antivirus software programme to all PCs used to access Business ebanking. Review your security settings in Business ebanking and consider if you need to change these settings. Be aware of how to prevent fraud that could impact on your business you can view further information on our website at danskebank.co.uk/security 8 9

6 2. CHANGES TO THE PAYMENT TABLE PAYMENTS OUT OF YOUR ACCOUNT (effective immediately) 3. EXTENDED CUT-OFF TIMES FOR CHAPS PAYMENTS (effective immediately) We will change the definition of maximum execution time set out in the Payment Table. The maximum execution times set out in the Payment Table are the latest times by which we will credit the payee s bank account or that of its agent with a payment The maximum execution time will be redefined so that, in certain specified circumstances, the latest time by which we will credit the payee s bank account (or that of its agent s bank account) may be later than the times set out. You will need to take this into account if you want to be sure that a payee s bank will be credited by a specific date This change will only apply to payments which are made using Business ebanking When you ask us to make a payment out of your account we will take steps to credit the payee s bank account (or the bank account of its agent) within the timescales set out in the Payment Table. This may not be possible where, for your added protection, we need to carry out extra checks before making the payment. We will not always contact you to tell you if this applies to a payment that you have asked us to make out of your account even where the payment is made using the Faster Payments Service, CHAPS or, in the case of foreign payments, you have paid for an express service. Where we need to carry out extra checks before making the payment, we have decided to redefine the maximum execution time that applies to the Payment Table so that, for euro and sterling payments within the European Economic Area (EEA), this will now be either the time set out in the Payment Table or the close of business on the following business day, whichever is the later. Where a payment transaction is not in sterling or euro but is in another EEA currency and is to another bank within the EEA, the maximum execution time will now be either the time set out in the Payment Table or the end of the fourth business day after the day on which we receive the payment instruction - whichever is the later. We are introducing this change to our Payment Table to make the maximum execution time clearer for you. The cut-off time before which you can send a CHAPS payment each day is being extended. CHAPS payments can be sent via our branch network up to 4.30pm each business day CHAPS payments can be sent via Business ebanking up to 5.00pm each day You can currently ask us to send a payment using CHAPS at a branch counter or via Business ebanking at any time before 3:30pm on a Business Day. This time is being extended. The new cut-off times will be as follows: 4.30pm using our branch network 5.00pm using Business ebanking Whilst most payments will not be affected by this change, if you want to be sure that a payment will be credited to a payee s bank account by a specific date, you should ensure that you take into account the possibility that it may not be received until the later date set out above. We will update the Payment Table. This will be available on our website at danskebank.co.uk/busdocs from 30 June We will update our Payment Table to reflect this change. This will be available on our website at danskebank.co.uk/busdocs from 30 June

7 4. ELIGIBILITY CRITERIA FOR OUR BUSINESS CURRENT ACCOUNTS ARE CHANGING (effective from 1 September 2016) The eligibility criteria for our Business Current Accounts are changing. Currently we will determine which of our business current accounts you are eligible to open and operate based on a number of factors including whether you are managed by one of our Finance Centres and the total value of sterling credits made to your accounts during a 12 calendar month period sometimes referred to as Annual Credit Turnover (ACT) We will no longer use ACT to determine which account to open for you. Instead we will apply new criteria as set out in this summary If you are a registered charity or an unincorporated club or society then you can open and operate a Charity Account or a Community Account (whichever applies) even if you are managed by a Relationship Manager in a Finance Centre. ACT does not apply to either You should review the business account that you currently hold and contact us if you wish to move to another product that you are eligible for. Different features and benefits, fees and service charges and interest rates apply to each of the account types If you are an unincorporated club, society or association then you will be eligible to open and operate a Danske Community Account. This will apply even if you are managed by a Relationship Manager in one of our Finance Centres. ACT no longer applies Full details of all our Business Current Accounts, including the Terms and Conditions, Fees and Service charges and Interest Rates can be found on our webpage: danskebank.co.uk/busdocs From the 1 September 2016 the eligibility criteria for our business current accounts is changing. We will remove all references to the ACT. If your account is a Large Business Account and you are not managed by a Relationship Manager in one of our Finance Centres then you can either continue to operate the Large Business Account or you can ask us to open a Danske Small Business account or a Danske Small Business Digital account for you instead. If you are a registered charity then you will be eligible to open and operate a Danske Charity Account. This will apply even if you are managed by a Relationship Manager in one of our Finance Centres. ACT no longer applies. We recommend that you take this opportunity to review your current banking arrangements to see if you would benefit from changing to one of our alternative business current accounts. We invite you to visit our website danskebank.co.uk/business to find out more about the products and services we have on offer or speak to one of our advisers

8 5. REMOVAL OF BANK IDENTIFIER CODE (BIC) REQUIREMENT FOR SEPA EURO CREDIT TRANSFERS (effective from 31 October 2016) 6. CURRENT ACCOUNT SWITCH SERVICE EXTENSION OF REDIRECTION PERIOD (effective from 16 September 2016) A BIC will no longer be required for Single Euro Payments Area (SEPA) Euro Credit Transfers (these are any euro payments being sent from your account to a country within the Single Euro Payments Area.) The International Bank Account Number (IBAN) will still be required. You will no longer need to provide a BIC when sending a SEPA Euro Credit Transfer We will no longer apply a Manual Processing fee (currently 6) if you provide an invalid BIC when using Business ebanking to send a SEPA Euro Credit Transfer. This change will apply only to SEPA Euro Credit Transfers If you have switched your current account to Danske Bank using the Current Account Switch Service, you may benefit from an extension of the payment redirection period. Under the Current Account Switch Service any payments accidentally directed to your old account (whether debit or credit) are automatically redirected to your new account with Danske Bank for a 36 month period If a payment has been automatically redirected under this arrangement then it will continue to be redirected for an indefinite period until a period of 13 months without redirection has elapsed The IBAN will still be required Currently, you are required to provide a valid BIC as well as a valid IBAN when sending a payment in euro to a country within the Single Euro Payments Area. From 31 October 2016 the BIC will no longer be required. Your payment will be processed provided that you have used a valid IBAN. Please note, the BIC will still be required when sending all other foreign payments. If you have switched your current account to Danske Bank using the Current Account Switch Service, then we guaranteed that any payments which were accidentally made to your old account would automatically be redirected to your new account with Danske Bank. We also promised that we would contact the person or organisation that was trying to debit/credit the old bank account so that they could update their records and ensure that subsequent payments went straight into the new account rather than have to be redirected from the old account. This automatic redirection continues for a period of 36 months from the date that you switched your account. At the end of the 36 month period the automatic redirection facility will be reviewed and where it is still relied on (i.e. where a payment has been redirected in the last 13 months) the redirection will be extended. This redirection will continue until a period of 13 months has elapsed without a redirected payment. We are making this change in response to changes in industry guidance concerning the Current Account Switch Service. Please read the revised General Terms and Conditions Business Accounts, paying particular attention to clauses 4.1b and 5.4c. We have also amended the Special Terms and Conditions for Currency Accounts (section 4.3.2). You are not required to take any action as a result of this change. Further information on the Current Account Switch Service is available on our website at danskebank.co.uk/become-a-customer These will be available on our website at danskebank.co.uk/busdocs from 31 October

9 7. OPEN PGP (PRETTY GOOD PRIVACY) (effective immediately) 8. INTERNET SECURITY UPGRADES (effective from 1 January 2017) If you are a customer with specific needs to communicate directly with the Bank and you have Open PGP software you can now send secure communications (including payment transaction files) to the Bank using Open PGP. This is an alternative to the secure method of communication currently available, known as EDISec. Open PGP is a secure way to send messages including payment transactions files to the Bank Web browsers (e.g. Internet Explorer, Safari, Chrome) are making changes to their internet security which may affect you being able to access our website. From 13 June 2016, web browsers are upgrading to a new and more sophisticated level of internet security Customers may need to check their browsers and operating systems if there is any difficulty in logging on to the Danske Bank website Customers wishing to use Open PGP will need to have their own security software, which must be able to handle certificates, have encryption and signing features You can use an Open PGP Certificate issued by yourself or by a third party Currently customers can send payment instructions, payment files and other communications directly to the Bank using EDISec as a signing and encryption method. In the future, customers who have security software which enables them to use Open PGP will also be able to send secure instructions to the Bank using Open PGP. Open PGP is a security system used for integrated solutions to connect to the Bank s systems via selected data communication channels. Public and Private keys will be exchanged between the Customer and the Bank. The Customer is responsible for ensuring that valid keys are being used and that such keys are kept updated as required. Customers must also ensure that any password and security codes are kept secure and only used when communicating with the Bank. From 13 June 2016, web browsers are upgrading their internet security features. To ensure that you are able to continue accessing the World Wide Web, including the Danske Bank website, you must ensure that prior to 1 January 2017 your web browser or operating system is up to date and compatible with the new security upgrade. If your current web browser and/or operating system is not updated by 1 January 2017, this may result in you not being able to access the Danske Bank website including Business ebanking. If you have Open PGP security software or you think that you are interested in finding out more about how you can use Open PGP to communicate securely with the Bank please visit our website at danskebank.co.uk/busdocs for more information. To check that your computer is up to date with the new requirements please log-on to the Danske Bank website at danskebank.co.uk/technicalrequirements From here you can identify any updates your computer may require. We will update the Special Terms and Conditions Business ebanking to include the Terms and Conditions which apply to Open PGP

10 9. HOW YOU CAN CONTACT US You can contact us if you have any questions or wish to arrange an appointment by: phoning us; or writing to us through Business ebanking or through our website at danskebank.co.uk/business 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 Business ebanking or our Mobile/Tablet Business Apps Our secure message function allows you to read and send messages to and from the bank: Log in to Business ebanking or your App In Business ebanking select Contact and help then Create Message or from your App select Communication then Create Message Type your message and select send Corporate and Finance Centre Monday to Friday 8am to 8pm Secure communication using our website at danskebank.co.uk/business To send us an Go to danskebank.co.uk/ Business Plus Branch Monday to Friday Saturday Sunday Monday to Friday Saturday Sunday 8am to 8pm 9am to 4.30pm 9am to 4.30pm 8am to 8pm 9am to 4.30pm 9am to 4.30pm / (+44 (0) from outside the UK) / (+44 (0) from outside the UK) Business ebanking customer support (technical enquiries and questions about how the service works)(see notes opposite) Customer Support Monday to Thursday Friday Saturday Sunday 8am to 8pm 8am to 5pm 9am to 5pm 9am to 8pm (+44 (0) from outside the UK) By Post Write to: Danske Bank PO Box 2111 Belfast BT10 9EG or Your Account Manager or Danske Bank Donegall Square West Belfast BT1 6JS hour emergency phone numbers Lost or Stolen cards MasterCard Corporate Classic From outside the UK MasterCard Corporate Platinum From outside the UK MasterCard Business Debit Card From outside the UK (0) (0) (0) Notes 1. Support from branches, Corporate and Finance Centres, Business Plus or Business ebanking customer support will not be available on Northern Ireland bank holidays or other holidays 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 contact your phone company for 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. Business ebanking, Danske Mobile and Tablet Business Apps may be temporarily unavailable when we are carrying out routine maintenance. 19

11 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/busdocs 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 07/ UK