Get your money off to a good start.

Under 19s Account Get your money off to a good start. Our current account for 11 18 year olds.

What s where in this guide. Contents. Our Under 19s Account at a glance 2 All you need to make banking easy 3 Cashpoint card or Visa debit card? 4 Using your Cashpoint card or Visa debit card 5 Remembering your PIN 6 An account that grows with you 7 OVER 16s Keeping track of your money 8 Making the most of your account 10 Save the Change FEATURES 11 What happens next? 12 Managing your money 13 Jargon buster 14 1 What s where in this guide.

Our Under 19s Account at a glance. Our Under 19s Account has a lot to offer. However some of the benefits are only available once you re 16 or above see the table below to find out which ones you can take advantage of and when. Under 19s Account Feature 11 15 years old Access to Telephone, Mobile and Internet Banking Services (available to customers aged 16+) 16 18 years old Access to Mobile Banking app and Pay a Contact services Access to branches and ATMs Instant interest on cheques A competitive credit interest rate of 2.50% AER (2.47% Gross) on balances up to 2,500 Regular statements Free Weekly Balance Text Alerts Free Overseas Transaction Text Alerts Save the Change (available to customers aged 16+) AA Driving School discounts (available to customers aged 17+) Everyday Offers (available to customers aged 18+) At a glance 2

All you need to make banking easy. The Under 19s Account is a great way to look after your money giving you an easy way to pay money in, take money out and keep track of your spending. As soon as you open your account you ll get: Access to a wide network of branches and Cashpoint machines so you can access your money easily and quickly wherever you are. Choice of a: Bank of Scotland Visa debit card which you can use to pay for things in shops, on the Internet, or to access your money at ATMs. Or a Cashpoint card for accessing your money at ATMs only. Instant interest on cheques paid into your account. 1 A competitive rate of interest. Earn a great variable rate of interest, paid quarterly, of 2.50% AER (2.47% Gross) on credit balances up to 2,500 and 0.10% AER Gross p.a on amounts above this. 2 Regular statements. 1 Applies to cheques paid over the counter between 9am 4.30pm weekdays, to a maximum daily value of 1,000. Only applies to Bank of Scotland personal current accounts paying interest. 2 AER (Annual Equivalent Rate) the rate if interest was paid and compounded once a year. Gross rate the rate before we take income tax off. Correct as at July 2014. The option to register for Free Weekly Balance Text Alerts to help you keep track of your money. See page 9 for details. Free Overseas Transaction Alerts telling you when your Visa debit card has been used abroad. See page 9 for details. We don t charge you for Text Alerts but your Mobile Operator may do, so please check. 3 All you need to make banking easy

Cashpoint card or Visa debit card? It s your choice. Our Under 19s Account offers a Visa debit card to anyone aged 11 or over, or a Cashpoint card if you decide that is right for you. Our Cashpoint card. If you only need a card to access money at our cash machines, our Cashpoint card gives you access to thousands of Cashpoint machines across the UK. Or you can use our Visa debit card... In shops, over the phone and online (your Visa debit card won t work in some retailers or on websites that aren t suitable for your age group, such as gambling sites). Ways you can use our cards Cashpoint card Visa debit card To take out up to 500 a day from any of our wide network of Bank of Scotland Cashpoint machines free of charge or over 62,000 LINK cash machines (a charge may apply). To withdraw up to 50 cashback free of charge in most supermarkets. In shops Online At an ATM To get cashback Over the phone Abroad *Charges apply please see our Banking Charges Guide for more information. * Your Visa debit card is designed so that if you want to buy something and there is enough money in your account, everything will go through automatically. If there isn t, you shouldn t be able to buy the item to make sure you can t spend money you don t have. In the extremely unlikely event that something goes wrong and you spend more money than you have available in your account and go overdrawn by mistake, you won t be charged any fees or charges and we ll work with you to make sure your account is put right. Cashpoint Card or Visa debit card? 4

Using your Bank of Scotland Cashpoint or Visa debit card. Information that appears on your Cashpoint or Visa debit card. 1. Valid from This is the date you can start using your card. 2. Expires end You won t be able to use your card after this date but we ll automatically send you a new one before then. Bank of Scotland Cashpoint card 1 2 5 3. Sort code This is the code that identifies your branch. 4. Account number Your unique eight-digit account number will appear here. 5. Card number This is the unique long number across the front of your card. On the back of your Visa debit card You ll find seven numbers on the white signature strip where you sign your name. The last three digits of this code are usually needed when you shop online or over the phone. This code is sometimes described as your security code or CVV2 code. Bank of Scotland Visa debit card 5 1 2 3 4 Things to be aware of. With our Under 19s Account Visa debit card it s easy to make your everyday purchases, whether it s cinema tickets, lunch or stationery supplies. However, some transactions, like gambling, may be inappropriate for your age group, so your card comes with added functionality and will block your purchases in some shops or on some websites that it recognises as being potentially unsuitable. This means that occasionally it may not work for some of your other purchases because it thinks they are unsuitable too. If you want to change your card to one that doesn t have this added protection you can ask for a replacement card in branch when you turn 16. 5 Using your Bank of Scotland Cashpoint or Visa debit card

Remembering your PIN. With your card comes a PIN (Personal Identification Number). When you pay for something in a shop or take out money from a Cashpoint, you will need to type in your PIN. If you re finding it hard to remember the one we ve given you, then you can change it to one that s easier to remember. To change your PIN visit any Bank of Scotland Cashpoint and insert your card and current PIN. Then select PIN services and follow the on-screen instructions. Chip and PIN. Chip and PIN is when you enter your PIN into a keypad when you use your card to buy something. Using it is simple: Insert your Visa debit card into a card reader or PIN pad and check the amount. Enter your PIN carefully and the machine will check it is correct, and print you a receipt. You ll still need to sign for some of your purchases, instead of using chip and PIN. For example when you re travelling abroad or where a retailer hasn t yet upgraded to chip and PIN. Top Tip. Choose a number that s special just to you and that you can remember. It s a good idea to avoid birthdays and repeating the same number (like 5555). Remember, your PIN is secret we recommend you don t write it down. You must never give your PIN to anyone else including bank staff and the police. If your card is lost or stolen. Your Visa debit card or Cashpoint card is much safer to carry around than cash. But you must report any theft or loss of your card as soon as possible so that we can prevent other people from using it. Call into any Bank of Scotland branch, or call the Bank of Scotland 24 hour Lost & Stolen Cards service on 08457 20 30 99, in the UK, or (+44) 1313 392 573 from abroad. We will usually send you another card within three to five working days. Going abroad. If you are travelling abroad you can use your Visa debit card to pay for things anywhere where you see the Visa sign, including shops, restaurants and cafes. It s more convenient and safer than carrying lots of cash around, plus you can withdraw local currency from any cash machine that displays the Visa sign. Charges apply to use your Visa debit card abroad, please see our Banking Charges Guide for full information or ask any member of staff for details. Staying in control. Keep track of what you re spending and what s left in your account so you don t withdraw more cash than is available in your account. Use Bank of Scotland Cashpoint machines 24 hours a day to check your balance or print a mini statement. Using your Bank of Scotland Cashpoint or Visa debit card 6

An account that grows with you. OVER 16s FEATURES When you turn 16 there are some other benefits and services you can use as part of your Under 19s Account including: Access to our Telephone Banking and Internet Banking service (available to customers aged 16+) page 8 Our Mobile Banking service, which includes Text Message Services (available to customers aged 16+) and our Mobile Banking app page 9 AA Driving School discounts worth over 75 (available to customers aged 17+) page 10 Save the Change which makes saving easy page 11 Top up your mobile. To make life easier, you can use our free top up service for Pay as You Go mobile phones at any Bank of Scotland Cashpoint machine. Six pre-set amounts between 10 and 50 are available for the following networks: Orange, Vodafone, O2, Virgin Mobile, Tesco Mobile and T-Mobile. Your bank account will be debited in the same way as a cash withdrawal. Successful top up transactions will reduce your 300 daily withdrawal limit. The TESCO mobile top up service is not available at ASDA or Waitrose stores, or at our Cashpoint machines at BP or Texaco garages. Unrestricted Visa debit card when you turn 16 you can ask us for a replacement Visa debit card that won t restrict your purchases depending on your age. As you get older. If you choose to go to university once your place is confirmed, we ll change your account to a Student Account. In the year of your 19th birthday, if your account hasn t been changed to a Student Account we will change it to a Classic Account or similar account if it s no longer available. We won t make these changes to your account without telling you first we will always write to you at least 60 days before to let you know. Everyday Offers. When you reach your 18th birthday, you can benefit from Everyday Offers*. Everyday Offers is a new online service where you can earn up to 15% cashback using offers at the places where you regularly shop. To register and see any offers waiting for you, log onto Internet Banking and select Everyday Offers in the Your account tools section of Your accounts. * Available to Bank of Scotland bank account customers aged 18+ who are registered for Internet Banking. 7 An account that grows with you

Keeping track of your money. It s your money so we ll do everything we can to help you keep track of it whichever way you choose to bank. If you don t want to spend your free time at the bank, Telephone, Internet and Mobile Banking* give you access to your account 24 hours a day, seven days a week great for sorting out your everyday banking when you re on the move. Internet Banking. Get instant access to your account 24 hours a day, seven days a week with Internet Banking. It s also a quick and convenient way to view statements online, order foreign currency and much more. With just a few clicks of the mouse you can: Check your up-to-the-minute balance. Pay your bills. Transfer funds between your Bank of Scotland accounts. Set up, view and cancel standing orders. Order your travel money. OVER 16s FEATURE We send you regular statements through the post, but if you prefer to bank online you can have paperless, online statements sent directly to your inbox instead. How to register. Go to bankofscotland.co.uk or visit any Bank of Scotland branch. Telephone Banking. From finding out how much money is in your account to paying a bill Telephone Banking is a fast and simple way to access your account, and is open 24 hours, seven days a week. With just one call you can: Check your current balance. Pay your bills. Transfer money between your own accounts or to another person. Set up standing orders and check Direct Debits. Order your travel money. How to register. Call us on 08457 21 31 41 and ask an adviser to send you a Security Number in the post to help you get to your account faster. OVER 16s FEATURE Please note that although you can give us instructions 24 hours a day seven days a week through Internet Banking, Mobile Banking and Telephone Banking, some of those instructions cannot be processed until the next working day. For example, if the instruction is given after 10pm or at weekends or Bank Holidays. Not all Telephone Banking services are available 24/7. Please speak to an adviser for more information. *Some services may be affected by phone signal and functionality. Keeping track of your money 8

Mobile Banking. OVER 16s FEATURE Our free Mobile Banking Service helps you stay on top of your finances on the move. You can do your banking on the go with most internet enabled mobile devices either using our app or via your mobile s browser at mobile.bankofscotland.com/ onthemove Mobile Banking app. Download the Mobile Banking app or log on to Mobile Banking through your mobile browser, using your Internet Banking details to: View your balance and transaction history. Transfer funds between accounts. Make payments to new and existing recipients. Pay a friend via your mobile with our Pay a Contact service. Download now at bankofscotland.co.uk or your app store. Sign up for our helpful Text Alerts to help you manage your account. Limit Alerts. We ll send you a text message to let you know when you re getting close to, or over your account limit. High or Low Balance Alerts. You can set your own high and low balance limits so you know how much money you have in your account. We ll send you a text to let you know when you ve reached either of your limits. Weekly Balance Alerts. Once a week we ll send you a text message with your balance and your last six transactions. Simply choose the weekday and time you d like us to send it (available to those aged 11 15 also). Overseas Transaction Alerts. We ll text you when your Visa debit card is used abroad to make a withdrawal or a purchase. This should make it easier for you to spot any fraudulent transactions on your account (available to those aged 11 15 also). We don t charge for Mobile Banking but your mobile operator may charge for some services, so please check with them. Services may be affected by phone signal and functionality. Internet Banking registration is required for some services. Text Alerts (other than Weekly Balance and Overseas Transaction Alerts) are sent before 10am UK time Monday to Friday (excluding Bank Holidays). Terms and conditions apply. How to register for Text Alerts. Call Telephone Banking on 08457 21 31 41, visit Internet Banking (if you are registered for the service), or visit any Bank of Scotland branch. 9 Mobile Banking

Making the most of your account. Whether you re at school, college, or starting a new job, our Under 19s Account will help you take care of all your everyday banking needs plus there s a few extras thrown in too. Save up to 75.99 with the AA Driving School. OVER 16s FEATURE This might come in handy now or it may be a while before you turn 17. Either way, as long as you re an Under 19s Account customer you ll be able to take advantage of these driving discounts. Money off driving lessons: You can save 36 on AA driving lessons when you book your first block of 12 lessons that s 3 off each lesson. Free AA Pass your Test CD-ROM: Just get your driving lessons booked and receive a CD-ROM to help you learn, worth 19.99. Money off Pass Plus : After you pass, you can go on and save 20 off Pass Plus the DSA recognised qualification for practical skills of a more advanced level, such as motorways, night driving and driving on country roads. This qualification could secure a discount of up to 35% on your car insurance. AA learning to drive offer. This offer and any driving lessons purchased are provided by Automobile Association Developments Limited. Registered office: Fanum House, Basing View, Basingstoke RG21 4EA. Registered in England and Wales No: 1878835. We do not accept liability for the provision of any services by the AA. We may change or withdraw these offers at any time, please check in branch to see what is currently available. To redeem these offers: call the AA Driving School on 0800 975 3679 quoting BOSU192, between 8.30am to 8pm Monday to Friday and 9am to 5pm at weekends. Making the most of your account 10

Save the Change. OVER 16s FEATURE We know it s hard to save if you re at school, college or you ve just started a job, but Save the Change is a simple way to put a little bit aside without even knowing you re doing it. Sign up for Save the Change and every time you make a purchase with your Bank of Scotland Visa debit card, provided your account is in credit, the difference will be rounded up to the nearest pound. This will then be transferred into an eligible Bank of Scotland savings account of your choice the next working day after the Visa debit card transaction has been processed and the money has left your account. Save the Change transfers can also be made from Bank of Scotland current accounts held by family members to your chosen savings account if they wish. You need to be aged 16 or over to register for Save the Change. If you re under 16 it s really easy for a parent or guardian to register their eligible Bank of Scotland account for Save the Change and nominate their extra change into your savings account. You ll need one of these accounts to accept your Save the Change savings; Access Saver, Exclusive Saver, Young Saver and Internet Saver. Find out more. Find out more in branch, at bankofscotland.co.uk/savings or call us on 08457 21 31 41. If you need to call us from abroad, or prefer not to use our 0845 number, you can also call us on +44 1313 374 218. 11 Save the Change

If you haven t already opened an account. You only need 1 to open an Under 19s Account and you can call into any of our branches where we ll help you complete your application. You ll need to bring the following with you when you apply: One piece of ID from the list below, and Proof of your address, again from the list below. If you re under 16 you ll need to be accompanied by a parent or guardian, and they ll need to bring ID and proof of their address too. If you re over 16 you don t need to be accompanied. Which documents can you bring along? Current United Kingdom signed passport, or if you re older a photo driving licence, from one of the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Spain, Sweden. Current passport with valid UK Visa issued by Australia, Canada, United States of America, New Zealand, South Africa or Japan. If you re under 18 we can accept other forms of ID, you will need to bring one document from each of the following lists: Proof of Identity UK Birth Certificate, your Medical Card/certificate, National Insurance card/letter or Young Scots card. Proof of Address a letter from your school or an introduction from an existing customer, for example, a parent or adult family member who has an account with us. Please don t worry if you don t have any of these items, we may be able to accept other documents instead. Please check the following two lists. Proof of identity. All other current signed passports with valid UK Visa. Current UK non photo driving licence. Benefits or pensions notification letter confirming your right to benefit. Blue Disabled Driver s Pass. Proof of address. Bank or building society statement (we don t accept Internet statements). Utility bill (such as a gas, electricity or landline phone bill) dated within the last three months. Local authority tax bill for current year. Benefits or pensions notification letter confirming your right to benefit (if not already used as proof of ID). Tenancy agreement issued by solicitor, housing association, local council or reputable letting agency. Please don t worry if you don t have any of the items above, as we may be able to accept other items. For more information ask in any branch or call us on 08457 21 31 41. What to do once your account is open. If you ask for a Visa debit or Cashpoint card, you ll receive this within 5 7 working days after you ve opened the account, along with a separate letter detailing your four digit PIN (Personal Identification Number). What happens next 12

Managing your money. Paying money in. It s much safer to pay money in to your Under 19s Account than carrying cash or cheques around with you. There are lots of ways to pay in money you ll soon find those that suit you best. Here s the basic information. Paying in money at any Bank of Scotland branch. Lots of people pay in over the counter, but to save time, you can use one of our depositpoints. Just use the special paying-in envelope and paying-in slip situated near the depositpoints. We can even send you a personalised paying in book with all your details to save you even more time just ask a member of staff for more information. You can pay in cash and cheques at any Bank of Scotland branch either over the counter or by using our depositpoints service. All deposits over the counter will be processed straight away. All deposits made in a depositpoint before 5pm will be processed the same working day. Any deposits using our depositpoints made after 5pm or at weekends will be processed the next working day. All cash will be immediately available when processed and cheques will follow normal clearance timelines. Cheques can take up to six working days after we receive them for you to be sure the money will be available for you to use. Please remember, weekends and Bank Holidays are not counted as working days. When do I earn interest on the cheques I pay in? When you pay in cheques of up to 1,000 over the counter at a Bank of Scotland branch between 9am and 4.30pm on a weekday, we ll pay you interest the moment you pay them in. Taking money out of your account. The minimum amount of money you can take out from a Bank of Scotland Cashpoint machine is 10. Alternatively you can use your Visa debit card to buy things in shops or online rather than taking out cash to do this. Keeping your account safe and taking care against theft and fraud. Always be sure before you give your bank details to anyone else, that you know who they are and why they need this information. 13 Managing your money

Jargon buster. Visa debit card. A plastic card that can be used instead of cash when making a purchase. The amount spent is taken (debited) automatically by computer from your account. The Under 19s Bank of Scotland Visa debit card does not come with an overdraft facility. Cashpoint card. A cash card allows you to draw money from cash machines (ATMs). Many banks set a daily limit as to how much you can take out, even if your account contains funds. Interest. A proportion (or percentage) of money on top of an original amount. If you save money, you can often receive interest from the bank on the money you save. Cashpoint/ATM. An Automated Teller Machine (ATM) is a cash dispensing machine (or hole in the wall ), which you find in many places including banks, shopping centres and railway stations. In order to be able to use an ATM you need a cashpoint card and a Personal Identification Number (PIN). There is often a limit per day on your withdrawals. Debit. Money which is taken out of an account is debited from that account. Going overdrawn. When you spend more money than is available in your account this is called going overdrawn, sometimes referred to as an unplanned overdraft or unauthorised borrowing. Balance. Is the amount of money you have in your bank or other account at any time (or the amount you owe on your credit or store card). It will be shown on your statement. Balance brought forward is the balance that was left at the end of last month. Direct Debit. This is an arrangement where the bank releases money from your account to pay bills automatically. The organisation you are paying can change the amount of a Direct Debit, but you are told in advance how much it will be. If you set up a Direct Debit to pay household bills you usually receive a discount, and it means that you don t have to worry about sending off a cheque each month. Standing order. A way of paying regular amounts automatically which you set up yourself (as opposed to a Direct Debit which is set up by the organisation you are paying). Once set up, the bank will pay the agreed amount of money on a regular basis to a particular person or company. Credit. If your account is in credit, it means that you have money available to spend. LINK cash machines. LINK is a UK network of cash machines. You can use your Visa debit or Cashpoint card to take out money from cash machines where you see the LINK sign. Jargon buster 14

Contact us. In branch Apply in person talk to our in-branch team. By phone Call us to make an appointment at your local branch on Our promise. 08457 21 31 41 Our promise is to do our best to resolve any problem you have immediately. Where we can t, we ll ensure you know who is dealing with your complaint. To complain: Visit a branch and speak to any member of the team. Call our Telephone Banking Service on 0800 072 8668 or 0131 278 3729. (Textphone 0800 056 7294 or 0131 278 3690, if you have a hearing impairment.) Write to us at Bank of Scotland, PO Box 761, Leeds LS1 9JF. If you re still not happy and we can t put things right to your satisfaction, you can ask the Financial Ombudsman Service to look at your complaint provided you have tried to resolve the matter directly with us first. We hope you won t need to contact the Financial Ombudsman Service but if you do, we ll tell you how to do this. If you d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0845 600 9644 (lines are open 9am 5.30pm, 7 days a week). If you are Deaf you can use BSL and the SignVideo service available at bankofscotland.co.uk/ accessibility/signvideo Important information. Cashpoint and Save the Change are registered trademarks, and depositpoint is a trademark, and used under licence by Bank of Scotland plc. Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. We are covered by the Financial Services Compensation Scheme (FSCS). All information correct as at July 2014. 1/4520304-2 (07/14)