Current Account Application Form

Current Account Application Form For more information about our range of accounts, or how to fill in this form, please call 01252 893962 (Minicom 0800 404 6160) Calls may be recorded

For more information about our range of accounts, or how to fill in this form, please call 01252 893962 After speaking to us, please fill in this form and return it directly to us at the address below: Holt s Military Banking The Royal Bank of Scotland plc 2nd Floor Lawrie House 31-37 Victoria Road Farnborough, Hampshire GU14 7NR The proof of identity you need to open an account with us (new customers) As part of our aim to protect existing and potential customers from the risks of fraud and to minimise the instances of money laundering, we must undertake identification and address verification for ALL new accounts that are opened. Please contact us on 01252 893962 to discuss the requirements. As a guide, at least one of the following documents will be required: Evidence of identity A current signed passport A full UK/EU driving licence Any EU National ID card HM Revenue and Customs issued tax notifications and correspondence Documentation from the Benefits Agency AND one of the following: Evidence of address An original gas, electricity or phone bill (mobile telephone bills are not acceptable) An original current council tax bill An original bank or building society statement All documents must be the most recent that you have received and must not be more than six months old. If you have a current account with another bank or building society, we may need to see your statements for the most recent month, along with evidence of income, in order to give you an account with the best facilities possible (e.g. debit card/overdraft). We may ask for three months statements in some circumstances. If you have these available, it may help you to open your new account more quickly. If your statements have your address on them, you can use them to confirm your current permanent address. For existing customers if you are an existing customer you may have to provide evidence of identity and address. Please speak to a member of staff at Holt s. What happens when we accept your application? If we agree your application we will open your account and send you the following (separately) within 10 days: a debit card (if you have requested one) your Personal Identification Number (PIN) (where applicable) an account welcome pack

H.M. Forces Current Account Opening Form Which Service? Army Royal Navy Royal Air Force Royal Marines Before completing this application form, please read: Helping you get the most from your Personal & Private RBS Current Account; and RBS Personal & Private Current Account Terms; and Personal & Private Current Account Fees & Interest Rates. In addition: Applications for Reward please read: MyRewards Terms Applicants for Reward Silver, please read: MyRewards Terms Silver Insurance Policy Summaries. Applicants for Reward Platinum, please read: MyRewards Terms Platinum Insurance Policy Summaries. Please read these documents carefully as they contain all the information you need to be aware of before opening your current account. If there is anything that you do not understand please ask for further information. If you do not have any of the above documents which are relevant to the account(s) you are applying for, please contact Holt s to obtain those you are missing. Please mark this box with a cross to confirm that you have all of the above documents which are relevant to your application. How we will use your information Before continuing with this application, please read the information below which explains how we and others will use your personal and financial information during this application process. For full details about how we use the personal and financial information of our customers, please see our Terms. Who we are The organisation responsible for processing your personal and financial information is The Royal Bank of Scotland plc, a member of The Royal Bank of Scotland Group ( RBS ). Please complete this form in BLOCK CAPITALS and in black ink, mark the box with a cross where applicable and delete as appropriate. Please do not write on or mark this form outside the boxes and lines provided as this could cause our electronic readers to misread your instructions. Applying is simple and should only take about 15 minutes. I/We would like to apply for: Reward Platinum. I/We am/are aware that this Reward Platinum account costs 18 per month and that there are a range of fee paying and non fee paying accounts available. I/We am/are happy to open the Reward Platinum account as I/we expect to rely upon at least two of the insurance benefits. I/We am/are also aware of how I/we can earn Rewards on this account. Reward Silver. I/We am/are aware that this Reward Silver account costs 12 per month and that there are a range of fee paying and non fee paying accounts available. I/We am/are happy to open the Reward Silver Account as I/we expect to rely upon at least two of the insurance benefits. I/We am/are also aware of how I/we can earn Rewards on this account. Reward. I/We am/are aware that this Reward account costs 3 per month and that there are a range of fee paying and non fee paying accounts available. I/We am/are happy to open the Reward account as I/we expect to earn on average the equivalent of 3 per month from the Reward feature of this account. Select Account. I/We am/are aware of the accounts RBS offer, including fee and non fee paying accounts. The account suits my/our needs. I/We would like to open a: Sole Account Joint Account Please note: if you are applying for a Reward Platinum, Reward Silver, Reward or Select Account and would like to include it in our Offset Service, please speak to a member of staff at Holt s. Page 1 of 12 01450531

1. Customer details main applicant Are you an existing Royal Bank of Scotland customer? Yes No Armed Forces ID number If Yes, please provide Account number Sort code Rank (please specify) Male Female First name Middle name(s) Surname Address line 1 Address line 2 Address line 3 Address line 4 OR overseas country Postcode/BFPO Is this property a flat? Yes No Date of entry to this address (e.g. 01JUN2005) If you have lived at your current address for less than 3 years, please provide your previous address Previous address line 1 (Home or Service) Previous address line 2 Previous address line 3 Previous address line 4 OR overseas country Postcode/BFPO Is this property a flat? Yes No Date of entry to this address Nationality & Tax Details of residence of birth* Place of birth (town/city) of Nationality* Page 2 of 12

Do you hold any other Citizenships/Nationalities?* If Yes list here Yes No Do you have more than 5 Citizenships/Nationalities?* In which country are you resident for tax purposes?* What is your tax number, social security number or local equivalent? Are you tax resident in other countries?* Yes Yes If Yes please list here and provide your tax number/social security number or local equivalent No No *Mandatory field Residential status Home owner Renting Living with parents Other Home telephone number Work telephone number Mobile number Email address If we hold an email address or mobile phone number for you, we may use this to communicate service-related information to you and, in particular, we may alert you to any concerns we may have about activity on your account. Page 3 of 12

Relationship status Single Living with partner Married/In a civil partnership Date of birth (e.g.29jan1970) Number of dependants Memorable word Widowed/Surviving civil partner Divorced/Dissolved/Separated Please choose a memorable word of no more than 15 characters. This may be used to confirm certain transactions. 1.1. Employment details main applicant Occupation H M F O R C E S Employer s name (if applicable) M O D W H I T E H A L L L O N D O N Employer s address line 1 Employer s address line 2 Employer s address line 3 Employer s address line 4 OR overseas country Postcode/BFPO Date joined service Net monthly income (i.e. after tax),. 0 0 How often are you paid? Monthly Fortnightly Weekly Other How are you paid? Cash Cheque Direct to RBS Direct to other bank If your salary is not already credited to an account with The Royal Bank of Scotland please enclose your original payslips or other evidence of income for the previous 3 months. These will be returned. 1.2. Current banking details main applicant Please give details of your main bank (where you hold your current or savings account) if not The Royal Bank of Scotland. Main bank Account number Sort code Approximate date account opened If you are not an existing customer, please enclose your previous 3 months account statements. These will be returned. Type of account Current OR Savings Do you have a Payment/Debit card? Yes No How many credit cards do you have? Please give details of your main credit card. This is the one with the greatest balance. Type of card (e.g. MasterCard/ Visa/Storecard) Issuer Name of account/cardholder Total outstanding balance of all credit cards,. 0 0 Credit limit,. 0 0 Approximate date account opened Page 4 of 12 Balance,. 0 0

1.3. Financial status main applicant Have you ever been insolvent, bankrupt, sequestrated or been involved in any court proceedings for debt or made arrangements with your creditors? If Yes, please provide full details on an attached sheet. Yes No 1.4. New Royal Bank of Scotland account main applicant This section allows you to request certain features for your new account. You can make changes at a later date if you need to do so. Card details Do you wish to receive a debit card for use on this account? Yes No If you would like your card to show a description of the account to which it relates e.g. Current account, please enter the details you would like to appear on your card. Overdraft I/We wish to apply for an arranged overdraft facility of,. 0 0 Telephone and Internet Banking please provide me with information on Telephone and Internet Banking OR Telephone Banking only Credit cards I would like to receive more information about a credit card Yes No Savings account I would like to receive more information about a savings account Yes No 2. Customer details joint applicant Are you an existing Royal Bank of Scotland customer? Yes No If serving Armed Forces ID number If Yes, please provide Account number Sort code Title Mr Mrs Miss Ms Rank First name (please specify) Middle name(s) Surname Address line 1 Address line 2 Address line 3 Address line 4 OR overseas country Postcode/BFPO Is this property a flat? Yes No Date of entry to this address (e.g. 01JUN2005) If you have lived at your current address for less than 3 years, please provide your previous address Previous address line 1 (Home or Service) Previous address line 2 Previous address line 3 Page 5 of 12

Previous address line 4 OR overseas country Postcode/BFPO Is this property a flat? Yes No Date of entry to this address Nationality & Tax Details of residence of birth* Place of birth (town/city) of Nationality* Do you hold any other Citizenships/Nationalities?* If Yes list here Yes No Do you have more than 5 Citizenships/Nationalities?* In which country are you resident for tax purposes?* What is your tax number, social security number or local equivalent? Are you tax resident in other countries?* Yes Yes If Yes please list here and provide your tax number/social security number or local equivalent No No *Mandatory field Page 6 of 12

Residential status Home owner Renting Living with parents Other Home telephone number Work telephone number Mobile number Email address If we hold an email address or mobile phone number for you, we may use this to communicate service-related information to you and, in particular, we may alert you to any concerns we may have about activity on your account. Important for joint Reward, Reward Silver or Reward Platinum accounts Only Please provide a unique email address for each customer. This email address will be used to communicate special MyRewards offers and will be required to access MyRewards online, where you can check your balance, special offers and exchange your balance. If you have already joined MyRewards (previously known as Cashback Plus) please use your existing log in details. Relationship status Single Living with partner Married/In a civil partnership Date of birth (e.g.29jan1970) Number of dependants Memorable word Widowed/Surviving civil partner Divorced/Dissolved/Separated Please choose a memorable word of no more than 15 characters. This may be used to confirm certain transactions. 2.1. Employment details joint applicant Occupation Employer s name (if applicable) Employed Self-employed Unemployed Homemaker Retired Employer s address line 1 Employer s address line 2 Employer s address line 3 Employer s address line 4 OR overseas country Postcode/BFPO Date this employment commenced (date established if self-employed) Net monthly income (i.e. after tax),. 0 0 How often are you paid? Monthly Fortnightly Weekly Other Direct to How are you paid? Cash Cheque Direct to RBS other bank If your salary is not already credited to an account with The Royal Bank of Scotland please enclose your original payslips or other evidence of income for the previous 3 months. These will be returned. Page 7 of 12

2.2. Current banking details joint applicant Please give details of your main bank (where you hold your current or savings account) if not The Royal Bank of Scotland. Main bank Approximate date account opened Account number Sort code If you are not an existing customer, please enclose your previous 3 months account statements. These will be returned. Type of account Current OR Savings Do you have a Payment/Debit card? Yes No How many credit cards do you have? Please give details of your main credit card. This is the one with the greatest balance. Type of card (e.g. MasterCard/ Visa/Storecard) Issuer Name of account/cardholder Total outstanding balance of all credit cards,. 0 0 Credit limit,. 0 0 Balance,. 0 0 Approximate date account opened 2.3. Financial status joint applicant Have you ever been insolvent, bankrupt, sequestrated or been involved in any court proceedings for debt or made arrangements with your creditors? Yes No If Yes, please provide full details on an attached sheet. 2.4. New Royal Bank of Scotland account joint applicant This section allows you to request certain features for your new account. You can make changes at a later date if you need to do so. Card details Do you wish to receive a debit card for use on this account? Yes No If you would like your card to show a description of the account to which it relates e.g. Current account, please enter the details you would like to appear on your card. Telephone and Internet Banking please provide me with information on Telephone and Internet Banking OR Telephone Banking only Credit cards I would like to receive more information about a credit card Yes No Savings account I would like to receive more information about a savings account Yes No 3. For joint Reward, Reward Silver or Reward Platinum accounts Only As part of your Reward account you will earn 3% Rewards on selected household bills paid by Direct Debit from any Royal Bank of Scotland current accounts you hold (excluding Basic Accounts, Foundation Accounts, Key Accounts or current account mortgage products). Please enter the account holders name below: Page 8 of 12

4. How we will use and share your information (a) Credit reference and fraud prevention agencies We may request information about you from credit reference agencies to help verify your identity, and to check your credit status to help assess what product you are most suitable for and/or your ability to repay any credit. Those agencies may keep a record of our request(s) and this may affect your ability to obtain credit elsewhere. When assessing this application, we may consider any financial connections you have with third parties (for example from any joint accounts or joint mortgage you hold/have held). If this is a joint application then a new financial connection may be created. Any financial connection will remain on your record until you request the third party s information to be removed from your record by filing a notice of disassociation with the credit reference agencies. Further information about credit reference agencies, and financial connections and how they may be ended, can be obtained from the credit reference agencies: Experian (www.experian.co.uk), Equifax (www.equifax.co.uk) and Callcredit (www.callcredit.co.uk). In order to prevent and detect fraud and/or money laundering, the information provided in this application may be checked with fraud prevention agencies. If fraud is identified or suspected details may be recorded with these agencies to prevent fraud and money laundering. (b) With other RBS companies We and other RBS companies worldwide will use the information you supply in this application (and any information we or other RBS companies may already hold about you) in connection with processing your application and assess your suitability for our products. If your application is declined we will keep your information for as long as it is required by us or other RBS companies in order to comply with legal and regulatory requirements. We and other RBS companies may use your information in order to improve the relevance of our products and marketing. (c) With other Third Parties The information provided in this application may be used for compliance with legal and regulatory screening requirements, including confirming your eligibility to hold a UK bank account and sanctions screening. We may disclose certain information to regulators, government bodies and similar organisations around the world, including the name, address, tax number, account number(s) and the balance or value of the account(s) of US and British Dependent Territories customers to HM Revenue and Customs ( HMRC ) who may exchange this information with the applicable local tax office in those countries. We may be required to provide similar information to HMRC regarding customers from other countries in the future. 5. Giving your consent By continuing with this application, you agree that we may use your information in the ways described above and are happy to proceed. 6. Marketing information If you agree, RBS would like to keep you informed about products, services and offers that we believe may be of interest to you. Please let us know how you would like to be informed: Letter Phone Email Text We will not share your information with third parties for marketing purposes. Communications about your account Notwithstanding your marketing choices above, we will contact you with information relevant to the operation and maintenance of your account by a variety of means including online banking, mobile banking, email, text message, post and/or telephone. Page 9 of 12

Please read the following section carefully before selecting your preference 7. Joint Account Overdraft requests When we receive a request for an overdraft which will be regulated by the Consumer Credit Act, we are required to provide some information about the overdraft before the facility is agreed. We refer to this information as pre-contract information, or PCI. This means that, for joint accounts, if one accountholder telephones, or goes online, or attends at a branch to request an overdraft, we will be unable to grant the request until we have provided PCI to the other accountholder(s). However, the Consumer Credit Act permits joint current accountholders to give consent to Overdraft PCI being provided to only one party to the account. This is consistent with how an either or any one to sign joint account mandate operates, allowing any joint accountholder to authorise their bank to accept an overdraft request without contacting the other accountholder(s). What happens if you give consent to PCI being given to only one party to the account? The overdraft will normally be available to use immediately after the single PCI is provided and we confirm our agreement to provide the facility. There may be exceptions when we attach conditions, which have to be satisfied before you can use the overdraft. We will send both/all of you a copy of the Confirmation letter/facility agreement setting out the terms that apply to the agreed overdraft. This will be issued after the overdraft is agreed. What happens if you want PCI to be given to all parties to the account? We will have to provide PCI to all accountholders before the overdraft is agreed. If both/all of you present yourselves at the branch to request the overdraft we will be able to provide PCI to everyone at the same time and process the request immediately. However, if any party to the account cannot be present along with the other(s) when the request is made: We will not be able to confirm that the overdraft request has been granted at the time the request is made. We will not be able to make funds available immediately if we decide to meet the request. We must send PCI to the accountholder(s) not present at the time of the request. We must allow the recipient(s) time to read the PCI we send to them and then to let us know if they are happy for the overdraft to be granted. To this end we will require them to sign and return to us an overdraft application form so we can be certain they wish the overdraft to proceed. The present accountholder will also be required to sign the application form. Therefore, if you decide that PCI is to be provided to all accountholders, there will be a delay to making the overdraft available. The delay could be a number of days and if you are looking for the overdraft to be made available urgently we will be prevented from helping you as we will be forced first to provide PCI to all of you. What do we need to do if both/all of us are happy for only one of us to receive PCI? Delete section B (declining the opportunity for only one of you to be provided with pre-contract information) in the Declaration section of this Application form (cross out the boxed text by two diagonal pen strokes) before signing. What do we need to do if all parties to the account are to receive PCI? Delete the section A (consent) in the Declaration section of this Application form (cross out the boxed text by two diagonal pen strokes) before signing. 8. Your right to cancel your current account You have a period of 14 days within which to cancel your Select account, Reward, Reward Silver or Reward Platinum account. The cancellation period begins on the later of the following two dates; a) the date your account is opened; or b) the first date on which you have received a copy of each of the following: RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; any other documents containing contractual terms relating to your account. Page 10 of 12

9. Declaration and signature(s) 1. I/We hold a copy of RBS Personal & Private Current Account Terms and Personal & Private Current Account Fees & Interest Rates. I/We accept that upon signing this application, I/we will become bound by the terms contained in those documents and in the other documents whose receipt I/we have acknowledged. 2. I/We declare that the details provided are correct and agree to notify you of any changes. 3. The following declaration applies unless I/we have stated above that I/we do not wish to receive a debit card: I/We apply for a debit card with this account and I/we accept that upon signing this application I/we will become bound by General Term 15 of RBS Personal & Private Current Account Terms. 4. I/We understand that you may at any time at your discretion, on giving written notice to me/us, amend the limit on any arranged overdraft (and that overdrafts are only available to applicants aged 18 years or over). Arranged overdrafts are not available to Basic Account customers. 5. I/We have received the information sheet relating to the protection of my deposits held with Royal Bank of Scotland which are covered by the Financial Services Compensation Scheme. For accounts with a monthly fee only Your Product Choice 1. I/We confirm that I/we understand the benefits for account selected, including the Summary of Key Exclusions and Limitations, and I am/we are happy to open account. 2. I/We have been advised to check existing policies I/we hold such as Mobile Phone Insurance, Car Breakdown Cover and Travel Insurance to ensure there is no duplication of cover. 3. I/We understand that I am/we are highly unlikely to need more than one Packaged Account and, if I/we choose to hold more than one I/we will have to pay an account fee for each one. 4. I am/ We are aware this account I/we have selected has a monthly fee and there are a range of alternative fee paying and non-fee paying accounts available. I am/ We are happy to open the account selected as I/we will rely on at least two of the insurance benefits. I/We am/are also aware of how I/we can earn Rewards on this account. For accounts in joint names only 1. Statement of Account We request and authorise you not to comply with the requirement of the Consumer Credit Act 1974 to provide separate periodical statements of account (delete this clause if you require separate statements). 2. Pre-Contract Information on Arranged Overdraft requests Section A (consent) We have read the section of this application form titled Joint Account Overdraft requests and we consent to you, when dealing with overdraft requests on our joint account(s) with you, to provide pre-contract information for the purposes of the Consumer Credit Act 1974 to only one of us and not to all of us. We understand that by giving this consent you will be permitted to agree overdrafts after providing pre-contract information about the overdraft to only one of us. Please delete Section B (declining the opportunity for only one of you to be provided with pre-contract information) set out below (cross out the boxed text with two diagonal pen strokes) if both/all of you are giving the Section A consent above when each of you sign below. Section B You are to provide each of us with pre-contract information for the purposes of the Consumer Credit Act 1974 when dealing with overdraft requests on our joint account(s) with you. Please delete section A (consent) set out above (cross out the boxed text by two diagonal pen strokes) if each of you are to be given pre-contract information when we deal with overdraft requests on your joint account(s). Customer signature(s) Main applicant Joint applicant Date Date Please ensure that your signature is inside the box, as it will be stored electronically and may be used for verification purposes. Page 11 of 12 The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh EH2 2YB

Branch use only Application reference number Account number allocated Main applicant CIN Sort code Joint applicant CIN Is the R or V marker present? Yes No If No, undertake KYC process. For joint applications, if both are required to sign, joint account mandate attached B of E Industrial code B of E Institutional code Overseas resident code NOR R8 5 Lead code Seller code Portfolio code Page 12 of 12 The Royal Bank of Scotland plc, Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh EH2 2YB

Financial Services Compensation Scheme Information Sheet Basic information about the protection of your eligible deposits Eligible deposits in RBS are protected by: Limit of protection: If you have more eligible deposits at the same bank/ building society/credit union: If you have a joint account with other person(s): Reimbursement period in case of bank, building society or credit union s failure: Currency of reimbursement: To contact Royal Bank of Scotland for enquiries relating to your account: To contact the FSCS for further information on compensation: More information: The Financial Services Compensation Scheme ( FSCS ). 1 75,000 per depositor per bank/building society/credit union. 2 The following trading names are part of your bank/building society/credit union: Drummonds, Child & Co, Holts, One Account, Mint and Direct Line. All your eligible deposits at the same bank/building society/credit union are aggregated and the total is subject to the limit of 75,000. 2 The limit of 75,000 applies to each depositor separately. 3 20 working days. 4 Pound sterling (GBP, ) or, for branches of UK banks operating in other EEA Member States, the currency of that State. Please contact your local branch, visit our website www.rbs.co.uk, or write to PO Box 1000 Edinburgh EH12 1HQ Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Tel: 0800 678 1100 or 020 7741 4100 Email: ICT@fscs.org.uk http://www.fscs.org.uk Additional information 1 Scheme responsible for the protection of your eligible deposit Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank, building society or credit union should occur, your eligible deposits would be repaid up to 75,000 by the Deposit Guarantee Scheme. 2 General limit of protection If a covered deposit is unavailable because a bank, building society or credit union is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum 75,000 per bank, building society or credit union. This means that all eligible deposits at the same bank, building society or credit union are added up in order to determine the coverage level. If for instance a depositor holds a savings account with 80,000 and a current account with 20,000, he or she will only be repaid 75,000. This method will also be applied if a bank, building society or credit union operates under different trading names. The Royal Bank of Scotland also trades under Drummonds, Child & Co, Holts, One Account, Mint and Direct Line. This means that all eligible deposits with one or more of these trading names are in total covered up to 75,000. In some cases eligible deposits which are categorised as temporary high balances are protected above 75,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including: (a) certain transactions relating to the depositor s current or prospective only or main residence or dwelling; (b) a death, or the depositor s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity; (c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction. More information can be obtained under http://www.fscs.org.uk

3 Limit of protection for joint accounts In case of joint accounts, the limit of 75,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of 75,000. 4 Reimbursement The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: ICT@fscs.org.uk. It will repay your eligible deposits (up to 75,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply. Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating costs (in the case of a depositor which is not an individual or a large company) within 5 working days of a request. Again, there are specific exceptions to this obligation. In the case of a depositor which is a large company, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 December 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. In the case of a depositor which is a small local authority, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 June 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under http://www.fscs.org.uk Other important information In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank, building society or credit union will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank, building society or credit union shall also confirm this on the statement of account. Financial Services Compensation Scheme Exclusions List A deposit is excluded from protection if: (1) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank, building society or credit union. (2) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering. (3) It is a deposit made by a depositor which is one of the following: credit institution financial institution investment firm insurance undertaking reinsurance undertaking collective investment undertaking pension or retirement fund 1 public authority, other than a small local authority The following are deposits, categories of deposits or other instruments which will no longer be protected from 3 July 2015: deposits of a credit union to which the credit union itself is entitled deposits which can only be proven by a financial instrument 2 (unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014) deposits of a collective investment scheme which qualifies as a small company 3 deposits of an overseas financial services institution which qualifies as a small company 4 deposits of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small company 5 refer to the FSCS for further information on this category 1 Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not excluded. 2 Listed in Section C of Annex 1 of Directive 2014/65/EU. 3 Under the Companies Act 1985 or Companies Act 2006. 4 See footnote 3. 5 See footnote 3. For further information about exclusions, refer to the FSCS website at www.fscs.org.uk We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Royal Bank of Scotland plc, 36 St. Andrew Square, Edinburgh EH2 2YB. Registered in Scotland No. SC090312. RBS03169 November 2015

Braille, large print or audio format? If you d like this information in another format, call us on 03457 24 24 24 (Minicom 0800 404 6160) Holt s is a trading name of The Royal Bank of Scotland Group. Calls may be recorded. The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. www.rbs.co.uk