Commercial Important legal information

Terms and conditions

We are currently changing our terms and conditions for personal and private banking customers. You can download PDFs of the new terms and conditions for our current and savings accounts and our rates and charges leaflet.

The new terms and conditions apply immediately to accounts opened on or after 1 July 2008. They will apply to accounts opened before that date with effect from 11 September 2008. Please note that these leaflets do not apply to the NatWest Welcome Account or NatWest NRI Welcome Account.

Download the latest:

NatWest Personal and Private Banking - Terms and Conditions(PDF File 271KB)

NatWest Personal and Private Banking - A Guide to Fees and Interest(PDF File 147KB)

NatWest Our Commitment to You(PDF File 235KB)

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Terms and Conditions of Use of the National Westminster Bank Plc Website.

This website is owned and maintained by National Westminster Bank Plc ("us", "we" or "NatWest"), which is part of The Royal Bank of Scotland Group ("the RBS Group"). The use of this website is subject to the following terms and conditions that you should read carefully. By using this website you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this website.

Use of Website

1 The information provided on this website or in any communication containing a link to this site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject any member of the RBS Group to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by NatWest for personal use and for information purposes only.

2 Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction.

3 Where any information on this website constitutes a financial promotion it is issued and approved for publication and distribution in the United Kingdom only.

4 This website is designed to be accessed through its principal home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information that is relevant to information on this website. You will be referred on certain site pages to read "Legal Information". This will contain important details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

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Exclusion of Liability

5 These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

6 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.

7 While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials, are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

8 We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • loss of goodwill or reputation; or
  • special, incidental, consequential loss or damage,

suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

9 Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

10 To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of the RBS Group) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and that we do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

11 The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.

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Personal Data

12 By agreeing to be bound by these terms and conditions, you are agreeing to be bound by our Privacy Policy.

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Copyright

13 © 2006 National Westminster Bank Plc. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

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Trade Marks

14 This website contains numerous trade marks belonging to NatWest and other companies in the RBS Group. These trade marks include, but are not limited to, the National Westminster Bank Plc THREE CHEVRONS logo, NatWest and Primeline. If you are in doubt as to whether an item is a trade mark of NatWest or a member of the RBS Group, please contact us for clarification at the registered office address below.

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Advice

15 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.

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Changes to this Website

16 The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Additionally NatWest shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

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Telephone Calls

17 Calls may be recorded.

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Internet Communications

18 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, NatWest reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.

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Australian Residents

19 Persons accessing this website from Australia should note that their access to, and use of, the information, services and products on this website may be prohibited under the Australian Corporations Act 2001 or under the RBS Group's Australian Financial Services Licence. Nothing contained in this website should be construed as an authorisation to access or use the information, services or products on this website, in Australia, where such prohibitions apply.

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Regulatory Information

20 National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 135 Bishopsgate, London EC2M 3UR. Authorised and regulated by the Financial Services Authority. NatWest is entered on the FSA's Register and its Register number is 121878. The FSA's Register can be accessed at www.fsa.gov.uk/register. NatWest's registered VAT number is GB 243852752.

21 Persons dealing with any member of the RBS Group (including NatWest) outside the United Kingdom are generally not covered by the rules and regulations applicable for the protection of investors in the United Kingdom.

22 NatWest is a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers, if they are eligible and a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim:

  • Deposits - maximum £35,000 per person.
  • Investments - maximum £48,000 per person. 100% of the first £30,000 and 90% of the next £20,000).
  • Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £48,000 per person. 100% of the first £30,000 and 90% of the next £20,000
  • Long-term insurance (e.g. pensions and life assurance): unlimited. 100% of the first £2,000 plus 90% of the remainder of the claim.
  • General Insurance: unlimited.
    • Compulsory insurance (e.g. third party motor): 100% of the claim.
    • Non-compulsory insurance (e.g. home and general): 100% of the first £2,000 plus 90% of the remainder of the claim.
  • General insurance advice and arranging: unlimited (for business conducted on or after 14 January 2005). 100% of the first £2,000 plus 90% of the remainder of the claim

23 Most retail consumers (this includes private individuals and some small businesses) are eligible under the Scheme. For further information on the conditions governing compensation and details on how to apply please refer to the FSCS at www.fscs.org.uk

24 NatWest subscribes to the Banking Code and Business Banking Code. If you would like a Banking Code or Business Banking Code leaflet ask a member of staff at any branch. Full details of the Code are also available from the British Bankers' Association website.

25 If you are not satisfied with any NatWest product or service we have a complaint handling procedure that you can use to resolve such matters. NatWest is a member of The Financial Ombudsman Service. If you are still not satisfied after following the NatWest procedures, you can ask the Ombudsman to review the complaint. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning NatWest. Alternatively you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 020 7964 1000.

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General Information

Enforceability

26 In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the validity and enforceability of the remaining provisions.

Governing Law

27 The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Inter-Bank Agency Agreements

This section contains information for other banks that either have or may wish to consider setting up an Inter Bank Agency Agreement with us.

28 Inter-Bank Agency Agreements are bi-lateral arrangements between banks. They principally provide a service offering of certain branch counter services to another bank's customers by prior arrangement. They facilitate an essential service that enables businesses to access banking facilities where they might otherwise find this difficult - for example due to location or size of their own bank's branches. The nature and range of the counter services offered is at the discretion of the providing bank. The banks charge each other on a reciprocal basis after the other bank's customer uses the agreed counter service.

The Counter Service transactions that are covered are as follows:

  • Cash Transactions
  • Cheques Paid In
  • Bank Giro Credits
  • Wages/Salary Cheques cashed
  • Night Safes
  • Special Presentations (Cheques)
  • Returned Cheques Collected

Whilst we wish to be as co-operative as possible when we receive a request from another bank for the provision of these facilities to their customers, there may be situations where we are unable to provide these facilities, even though we may have a branch situated locally (e.g. the anticipated volumes of activity exceed the capacity of the particular branch).

Outline of the process for setting up a new Inter-Bank Agency Agreement (IBAA) (i.e. where no formal arrangement already exists between NatWest and the account-holding bank)

  • An application to set up a new IBAA must be made by the account-holding bank.
  • The other bank's customers should approach their own bank/ branch indicating that they wish to use the counter facilities at a specific branch or branches of NatWest.
  • The account-holding bank should then apply, in writing, to NatWest at UK Corporate Banking, Domestic Banking Services, 4th Floor, Waterhouse Square, 138-142 Holborn, London EC1N 2TH, outlining the requirements of the customer, including the branch(es) concerned and the pattern and volume of activity the customer is likely to transact.
  • The application usually takes a few weeks to process. The processing time will be reduced if all the requisite documentation and information relating to the customer, is submitted with the application.

Outline of the process to be followed where a formal arrangement already exists between NatWest and the account holding bank

  • Where a non-NatWest customer wishes to use the counter facilities at a specific branch or branches of NatWest and the account-holding bank already has a formal Agency Agreement with NatWest in place, the account-holding bank should write directly to the NatWest branch(es) concerned, requesting these facilities and outlining the requirements of the customer.

Clearance of funds under an IBAA

  • For IBAAs, value (via the credit clearing system) will usually be provided to the account-holding bank on working day 3, for both cash and cheques.
  • Where there is no mechanism in place to confirm whether a cheque has been paid or not, unpaid cheques will normally be in a collecting banker's hands on working day 4. Under an IBAA, when the original credit has been forwarded to another bank, the advice to that bank (the account holding bank) will not be received by them until at least working day 5.
  • At each step, the process may be shortened if information is provided by telephone.
  • When NatWest acts as a "collecting banker" for credits paid into accounts with other banks, it does so "with recourse" in the event that the underlying cheques may be returned unpaid.
  • It is up to the account-holding bank to determine at which stage it will provide "cleared" funds to its customer. If the underlying transaction is cash paid in at the collecting bank, the account-holding bank should normally provide cleared value on working day 3. However, for cheques, although NatWest applies a cleared value on working day 3, it cannot be certain at that time that the cheque will definitely be paid. The earliest occasion on which NatWest would be aware of non-payment will be around 4 working days after deposit, although in some circumstances this period could be longer. For this reason, NatWest recommends the account holding bank to require its customers to wait until at least working day 5, before allowing them to withdraw funds.

NB. Day 1 = The day that a cheque is paid in at branch and processed (assuming that the cheque is not held over to the next working day, which will happen if it's paid in after the 'cut off' time. The cut off time for most NatWest branches is 3:30pm, Monday to Friday, however please note that there can be local variations).

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NatWest products and services.

Current Accounts

You can download terms and conditions for NatWest current accounts and savings account and information on fees and charges as PDFs. Please note that these leaflets do not apply to the NatWest Welcome Account or NatWest NRI Welcome Account.

NatWest Personal and Private Banking - Terms and Conditions. (PDF File 271KB)

NatWest Personal and Private Banking - A Guide to Fees and Interest. (PDF File 147KB)

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Advantage



Advantage Gold

Important Information
The subscription for Advantage Gold is £12.95 a month. Advantage Gold is a packaged service of which the core element is a current account without which the remainder of Advantage Gold benefits are unavailable. Over 18s only. Calls may be recorded. Information correct as at March 2008.

The examples are for illustration purposes only and are not based on actual NatWest customers.
The savings shown are representative of those that can be achieved by holding a NatWest Advantage Gold account in comparison to a NatWest Current Plus account.

Full details of all benefits and how to access them will be available in your Advantage Gold handbook. For further details on our insurance products, please refer to your insurance policy summaries.

Mortgages provided by National Westminster Home Loans Ltd. Special rates are not available on Buy-to-let Mortgages or for extra borrowing.

Personal Loans - Rates are dependent on your circumstances and loan amount. Different discounts may apply during special promotions.

Travel Insurance
All customers over 70 must contact the Advantage Gold Travel Insurance screening service. On this line, we will ask for additional information in relation to pre-existing medical conditions and an annual premium of £50 will be charged per account. More details are available in your insurance policy summaries.

Advantage Gold Travel Service is operated by Thomas Cook

10% guaranteed discount across all Thomas Cook Tour Operations product (Thomas Cook, JMC, Sunset, Thomas Cook Signature, Style, Club 18-30, Neilson, Flexible Trips, Airtours, Cresta, Bridge, Panorama and Manos) and Virgin Holidays.

A 7% discount applies to all holidays with all other tour operators (excluding Thomson and First Choice where a 5% discount applies).

Discount must be applied at the time of booking. Thomas Cook booking conditions apply.

All discounts apply in addition to any discount given to Thomas Cook by the tour operator, but not to any price you may obtain directly from a tour operator.

Discount does not apply to Thomas Cook Tours Palmair Holidays, SAGA Cruises, travel insurance, ski packs, fuel supplements or airport passenger duty.

These discounts only apply to holidays booked via the Advantage Gold Travel Service with Thomas Cook and not via any other part of Thomas Cook (e.g. Thomas Cook shops or www.thomascook.com).

All credit card charges will be waived.

Holidays and other offers are subject to availability and tour operator booking conditions. Offers can be withdrawn or amended without notice. The latest version of these is available at any time on request from the Advantage Gold Travel Service with Thomas Cook. NatWest reserves the night to vary or amend these conditions at any time. Thomas Cook Customers and Booking Terms and Conditions and all relevant suppliers, including but not limited to airlines, tour operators, hotels, car rental companies, ferry operators, other providers of accommodations, leisure attractions and other third parties' offering, organising or carrying out any travel arrangements or other offers (‘Suppliers') will also apply to the booking. All offers are subject to availability and in certain circumstances additional conditions may apply, where possible these will appear in the offer details. You are advised to enquire about any conditions that might apply prior to or at the time of booking. Some offers are subject to minimum and maximum stay restrictions. Travel arrangements and other offers in connection with this programme are only available to NatWest Advantage Gold customers. Except as may be expressly set out in booking conditions, all tickets and other arrangements and booking are non-refundable and non-transferable. If you change or cancel your reservations or travel arrangements at any time after we have accepted your booking, then your tour operator, other supplier, or failing that, the booking agent will impose alteration or cancellation charges.

The Advantage Gold Travel Service is operated by Thomas Cook Retail Ltd, ABTA 29653, acting as agent to ATOL protected tour operators.

Credit Cards - Existing Credit Card customers are not eligible for this offer.

Home, Car & Travel Insurance is underwritten by UK Insurance Limited. Conditions apply.

Extended Warranty Insurance is underwritten by Domestic & General Insurance PLC.

Accidental Death Benefit is underwritten by Sterling Insurance Company Limited, a private company incorporated in England and Wales. Authorised and regulated by the Financial Services Authority. It is a member of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Mobile Phone Insurance - Value example based on Carphone Warehouse 5 Lite Band cover. This cover has been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited, registered in England, #5114385, FRN 315245, with a single provider, London General Insurance Company Limited registered in England, #1865673, FRN 202689. These companies are authorised and regulated by the Financial Services Authority.

Identity Theft Protection - Example based on Sentinel Identity Theft Protection, provided by AIG UK Limited. AIG UK Limited is authorised and regulated by the Financial Services Authority. AIG UK Limited is a member company of American International Group Inc. (AIG). The product is administered on behalf of National Westminster Bank Plc by Affinion International Limited. Affinion International Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Affinion International Limited' FSA registered number is 311584 AIG UK Limited.

Savings Examples

Annual Five-Star Defaqto rated Travel Insurance
Annual worldwide family travel insurance with winter sports cover worth £160.

Mobile Phone Insurance
example based on Carphone Warehouse 5 Lite Band cover at £2.77 per week.

Gold Hotels
Based on a two night stay for two people in a Standard room at the Hotel Convencion between 23rd February 2008 and 25th February 2008. (Subject to availability and change. Correct at time of going to press).

Identity Theft Protection
Value example based on Sentinel Identity Theft Protection. Plus access to advice and support, fraud resolution service and an online risk assessment tool.

Travel Service
£150 saving is based on a two-week, Thomas Cook holiday for 2 adults to Gran Canaria, departing from London Gatwick on 24 May 2008 staying at Lago Taurito, Playa Taurito on an all inclusive basis. The basic holiday price including in-flight meals, extra baggage allowance and airport transfer is £1,512 (subject to availability and change. Correct at time of going to press).

Home Insurance
Example based on a 45 year old insuring a 3 bedroom semi-detached house of standard construction in postcode LS18 5PA (Feb 08)

Car Insurance
Example based on a 30 year old male with 5 years no claims discount driving a 5DR 2001 Toyota RAV 4 (VVT-iGX). Mileage up to 8,000 miles per annum (Feb 08)

Extended Warranty
Covers up to 6 household appliances purchased with your NatWest Credit or Debit Card. Based on a LCD television costing £400-499 (Feb 08)

Complimentary home delivery and commission free sterling travellers cheques
Based on a short break with £300 worth of preferential rate foreign currency and

home delivery (worth £6.50). Plus two holidays, each with £400 worth of commission free sterling travellers cheques and home delivery (worth £18)

£10,000 Accidental Death Benefit
Example based on accidental death cover worth £10,000. Based on Norwich Union’s £1.99 a month cover for £20000 (Feb 08)

20% off at over 200 attractions in the UK
Value based on 2 Adults receiving a 20% discount when visiting 2 attractions a year where the standard price is £19.95 (e.g London Dungeon)

Information correct as at Feb 08

Green Flag Car Breakdown Cover
Car Breakdown Cover savings based on Green Flag cover for a 35 year old male driving a 2004 VW. Breakdown assistance is provided by Green Flag Motoring Assistance and underwritten by UK

Insurance Limited. All are members of The Royal Bank of Scotland Group.

The examples shown are for illustration purposes only and are not based on actual NatWest customers.

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Advantage Private

The subscription for an Advantage Private account is £19.95 per month. Advantage Private is only available to those persons with a minimum sole annual income of £75,000 or joint income of £100,000 or savings of £50,000, or by invitation. Over 18s only. To qualify for and retain the Advantage Private account your salary (or equivalent) must be mandated to your Advantage Private account.

Mobile Phone Insurance - Based on 2 handsets on the Carphone Warehouse Band 5 Lite cover at £2.77 a week. Mobile Phone Insurance has been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited with a single provider,London General Insurance Company Limited. . London General Insurance Company Limited (FRN 202689) and Lifestyles Services Group Limited (FRN 315245) are both authorised and regulated by the Financial Services Authority.

Annual Worldwide Travel Insurance - Annual Worldwide Travel Insurance with winter sports cover worth up to £160. Rated Five-Star by independent research agency Defaqto in (Feb 2008). All customers over 70 must contact the Advantage Private Travel Insurance screening service. On this line, we will ask for additional information in relation to pre-existing medical conditions.

Identity Theft protection - Savings based on £10k insurance worth £30, Equifax credit report £9.95, CIFAS registration £11.95 and Card Patrol cost of £12.

Gadget/Handbag Cover - Saving based on £500 gadget/handbag cover worth up to £84. Gadget Cover and Handbag Cover have each been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited with a single provider,London General Insurance Company Limited. London General Insurance Company Limited (FRN 202689) and Lifestyles Services Group Limited (FRN 315245) are both authorised and regulated by the Financial Services Authority

Home Emergency Service - Saving based on home emergency service providing £500 cover (including VAT) worth up to £78.

Accidental Death Benefit - Saving based on accidental death cover up to £30,000. Based on Norwich Union's £1.99 a month cover for £20,000 (Feb 08).

Extended Warranty - Covers up to six household appliances. Saving based on a LCD television costing £400-£499 with 12 months warranty in addition to manufacturer's 12 months cover (Feb 08).

Card Protection - Your NatWest card protection service is provided by Card Protection Plan Limited (CPP) acting as agents for the insurer, ACE European Group Limited. The insurer pays CPP the commission in connection with your policy.

20% off Personal tax service - Saving based on a 20% discount off the Personal Tax Service which includes the completion of personal tax returns, normally £440.00

25% off Home Insurance - Saving based on a 32 year old insuring a semi-detached house built between 1946 and 1979, of standard construction in postcode LS16 8LB. Buildings insured for £150,000 with accidental damage and contents covered for £25,000 (Apr 08). Accidental damage cover with personal possessions at £2,500 Voluntary excess - £75. Total premium £434.82 (25% discount value = £108.71).

10% off Car Insurance - Saving based on comprehensive cover for a 30 year old male with 5 years NCD driving a Renault Megane Scenic Sport Aliz Car resides on driveway in LS10 4JE (Jan 08). Total premium is £571.20 (discount value based on 10% would be £57.12). NatWest Car Insurance is underwritten by UK Insurance Limited.

20% off our will writing service - Saving based on a 20% discount on drafting a professionally drawn up will for a married couple, normally £150.

The Advantage Private Travel Service

The Advantage Private Travel Service is be operated by Thomas Cook

£200 saving is based on a two-week, Thomas Cook holiday for 2 adults to Paphos, departing from London Gatwick on 1st October 2008 staying at the Athena Royal Beach Hotel on a half board basis. The basic holiday price (10% off £1,444), including complimentary in-flight meals (£13 per person), extra baggage allowance (£15 per person) and airport transfers.

(Subject to availability and change, Correct at time of going to press)

Total discount = £200.40

A guaranteed 10% discount applies to holidays with Thomas Cook Tour Operations (these are Thomas Cook, JMC, Sunset, Thomas Cook Signature, Style, Club 18-30, Neilson, Flexible Trips, Airtours, Cresta, Bridge, Panorama and Manos) and all cruise holidays (excluding Saga Cruises).

A 7% discount applies to holidays with all other tour operators available through the NatWest Advantage Travel Service with the exception of Thomson and First Choice holidays where a 5% discount applies and Thomas Cook Tours, Saga Cruises, ski packs, fuel supplements or airport passenger duty which are not discounted.

These discounts are in addition to any savings given to us by your chosen tour operator, but not to any price you may obtain directly from a tour operator. These discounts only apply to holidays booked via the Advantage Private Travel Service with Thomas Cook and not via any other part of Thomas Cook (e.g. Thomas Cook shops or www.thomascook.com).

All credit card charges will be waived. Holidays and offers are subject to availability and tour operator booking conditions. Offes can be withdrawn or amended at anytime, without notice. Please see full terms and conditions in yourWelcome Pack for further information.

The Advantage Private Travel Service is operated by Thomas Cook Retail Ltd, ABTA 29653, acting as agent to ATOL protected tour operators.

Valet Airport Parking - Saving based on a free upgrade from BCP on-site parking to the BCP Meet & Greet service at London Gatwick airport on 6 November 2008 for 7 nights (not available for online bookings).

Advantage Private Box Office - 25% discount on theatre tickets – example based on 4 tickets at £45 per seat.

Green Flag Car Breakdown - Saving based on Roadside Assistance cover (including home-call) with Green Flag (Feb 08)

Complimentary home delivery and commission free sterling travellers cheques - Based on a short break with £300 worth of foreign currency and complimentary home delivery (worth £5). Plus 2 holidays each with a travel money order of £750 worth of sterling travellers cheques at 1% commission (saving £15)

The Advantage Private Box Office Service and Concierge Service are provided for NatWest by Affinion International Limited, Registered in England and Wales No.1008797. Registered Office: Charter Court, 50 Windsor Road, Slough, Berkshire, SL1 2EJ

Mortgages are provided by National Westminster Home Loans Ltd. Telephone lines are open Monday to Friday 8am to 8pm, weekends 10am to 4pm excluding bank and public holidays.

Share dealing services are provided by NatWest Stockbrokers Limited which is a member of the London Stock Exchange and PLUS and is authorised and regulated by the Financial Services Authority. Registered Office:Waterhouse Square, 138-142 Holborn, London EC1N 2TH. Registered in England No.1959479. NatWest Stockbrokers Limited is operated by a joint venture between The Royal Bank of Scotland Group plc and The Toronto-Dominion Bank. TD Waterhouse Investor Services (Europe)Limited (a subsidiary of The Toronto-Dominion Bank), authorised and regulated by the Financial Services Authority and a member of the London Stock Exchange and PLUS. Incorporated in England and Wales under registration number 2101863. Registered Office: Exchange Court, Duncombe Street, Leeds LS1 4AX. Information is correct at the time of going to print.

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Private Bank Account

The Private Bank Account is only available to those persons with a minimum sole annual income of £75,000 or joint income of £100,000 or savings of £50,000, or by invitation. Over 18s only. To qualify for and retain the Private Bank Account your salary (or equivalent) must be mandated to your Private Bank Account.

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Advantage Blue

Advantage Blue costs £6.95 a month and is an additional service on your Step, Current or Current Plus account. You must hold a Step, Current or Current Plus account, without which the remainder of the Advantage Blue benefits are unavailable. Advantage Blue runs for an initial period of six months and is renewable monthly thereafter. You have the right to cancel Advantage Blue during the first 14 days of taking out the service. We will refund you with any monthly fees you have already paid and no future fees for Advantage Blue will be charged. If you wish to cancel after the cooling-off period, but before the end of your initial six months, you will be required to pay the remaining monthly premiums up to the end of the initial six-month period. Full details of all benefits and how to access them will be available in your Advantage Blue Welcome Pack. For further details on our insurance products please refer to your insurance policy summaries.

Mobile Phone Insurance
Saving based on T-Mobile Insurance worth £92

Car Breakdown Cover
Saving based on Green Flag Motoring Assistance Level 1 Roadside Recovery Service.

Travel insurance
Based on NatWest Travel Protector single trip 'Europe'.

25% off top gigs and live shows
Saving based on 4 tickets costing £30 each.

Cinema Membership Card
Saving based on an average ticket price of £6 and visiting the cinema once a month

Accidental Death Benefit
Saving based on Norwich Union's £1.99 per month cover for £20,000 worth of cover (May 2006)

10% off NatWest Car Insurance
Saving based on a premium of £563.80 for fully comprehensive cover on a Peugeot 206 1.4L for a 25 year old female driver, licence for 7 years with 5 years no claims discount living in DN12 4TR

16 – 25 Railcard (Young persons) Family & Friends Railcard
Value based on cost of a 1 year Railcard at £20

Numbers Vault™
Saving based on Phones 4 U standalone pay monthly fee of £1.99 (March 08)

Advantage Blue Membership Helpline open 8am to 8pm Monday to Friday, 9am to 5pm Saturday. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Calls may be recorded.



Advantage Blue International - student option

Important Information

Terms and Conditions apply – please read Personal and Private Banking - Terms and Conditions and Personal and Private Banking – A Guide to Fees and Interest.

The subscription for Advantage Blue International - student option is £6.95 a month and is an additional service on your Step account. You must hold a Step account, without which the Advantage Blue International - student option benefits are unavailable. Advantage Blue International - student option runs for an initial period of six months and is renewable monthly thereafter. You have the right to cancel Advantage Blue International - student option during the first 14 days of taking out the service. We will refund you with any monthly fees you have already paid and no future fees for Advantage Blue International - student option will be charged. If you wish to cancel after the cooling off period, but before the end of your initial six months, you will be required to pay the remaining monthly premiums up to the end of the initial six month period. Full details of all benefits and how to access them will be available in your Welcome Pack. For further details on our insurance products, please refer to your insurance Policy Summaries. The examples are for illustration purposes only and are not based on actual NatWest customers. The savings shown are representative of those that can be achieved by adding Advantage Blue International - student option to a Step account.

Max call charge from a BT landline is 6p plus up to 6p per minute. Calls from other networks may vary. Calls may be recorded.

Savings examples:

Mobile Phone Insurance

Savings based on Carphone Warehouse Life Band 3 product at £1.77 per week (June 08).Mobile Phone Insurance has been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited (registered No. 5114385) with a single provider, London General Insurance Company Limited (registered No. 1865673). Lifestyle Services Group Ltd (FRN 315245) and London General Insurance Company Limited (FRN 202689) are both authorised and regulated by the Financial Services Authority.

25% off top gigs and live shows

Based on 2 tickets costing £30 each (using the service twice a year). booked through the NatWest Box Office. The NatWest Box Office is operated for NatWest by Affinion International Limited.

16-25 Railcard (formerly known as Young Persons Railcard)

Based on the cost of a 16-25 Railcard for 1 year. Conditions apply. Please see Advantage Blue International - student option Terms and Conditions (NWB6410) for details (June 08).

International Student Identity Card

Savings based on ISIC Student Card costing £9. Applicants must be full time students aged over 12. Applicants must provide documentary evidence of eligibility. Please refer to your Welcome Pack for more information (June 08).

Orange SIM Card with international calls from 5p per minute

Saving based on an average SIM card cost of £5 RRP. The Orange call abroad SIM Card may not work automatically for all mobile phones. You may need to get your phone unlocked and a fee may be charged for this service. If you are not an existing Orange pay as you go customer please refer to the terms of your contract with your Network Provider. For other terms and conditions see www.orange.co.uk/terms

Gadget Cover

Savings based on ‘Super Cover’ which covers 3 items for £9.99 per month. Advantage Blue International - student option allows you to register several portable devices up to a maximum combined value of £500 (including VAT) Gadget Cover policy has been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited (registered No. 5114385) with a single provider, London General Insurance Company Limited (registered No. 1865673). Lifestyle Services Group Ltd (FRN 315245) and London General Insurance Company Limited (FRN 202689) are both authorised and regulated by the Financial Services Authority. (June 08).

Numbers Vault ™

Savings based on Phones4U standalone pay monthly fee of £1.99 (June 08). Numbers Vault™ is provided by Lifestyle Services Group Limited.

Emergency Cash

Service only available to existing NatWest customers using a NatWest, RBS, Ulster Bank or Tesco Personal Finance branded UK cash machine. Only Online Banking and Telephone Banking customers can access up to £300, all other customers are restricted to a maximum of £60.

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Telephone and online banking

System updates may mean that the services are unavailable for short periods in the early hours of the morning.

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Savings and Investments

You can download terms and conditions for NatWest current accounts and savings accounts and information on fees and charges as PDFs.

We sometimes allow savings accounts to be operated in a way which enables the customer to give instructions for a withdrawal or other payment which cannot be met from the funds in the account. If this happens, we may apply charges to the account. Please read our leaflet Personal and Private Banking - A Guide to Fees and Interest which contains details of these charges.

NatWest Personal and Private Banking - Terms and Conditions. (PDF File 271KB)

NatWest Personal and Private Banking - A Guide to Fees and Interest. (PDF File 147KB)

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com

Share Dealing and ISA Services

Share dealing services are provided by NatWest Stockbrokers Limited, which is a member of the London Stock Exchange and PLUS and is authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1959479), Registered Office: Waterhouse Square, 138-142 Holborn, London EC1N 2TH. NatWest Stockbrokers Limited is operated by a joint venture between The Royal Bank of Scotland Group plc and The Toronto-Dominion Bank.

The Plan Manager of the BrokerLine Self-Select ISA is TD Waterhouse Investor Services (Europe) Limited (a subsidiary of The Toronto-Dominion Bank). TD Waterhouse Investor Services (Europe) Limited is authorised and regulated by the Financial Services Authority and is a member of the London Stock Exchange and PLUS. Registered in England and Wales (Registered Number 2101863), Registered Office: Exchange Court, Duncombe Street, Leeds LS1 4AX.

The value of your investments, and the income from them, can go down as well as up, and you may not get back the full amount of your original investment. Any tax reliefs referred to are those applying under current legislation, which may change, and their availability and value will depend on your individual circumstances. Past performance is not necessarily a guide to future performance. All tax rules may change in the future. Changes in the rate of exchange between currencies may cause the value of your overseas investments to rise or fall.

No information contained on this website should be taken as a personal recommendation on the part of NatWest Stockbrokers Limited to buy, sell or hold any investments. If you have any doubts about whether any product or service is suitable for you or you wish to obtain financial advice, please contact a financial adviser. If you have doubts about your tax position, you should seek professional advice.

Please note that under current legislation, you cannot subscribe to more than one such Cash ISA and Stocks and Shares ISA in the same tax year.

The regulatory information given above applies only to business conducted in and from the UK. Depending on the circumstances, these services may not be available for use by persons resident outside the UK. In particular, please note that these services are not available to US residents.

Spread Betting and Contracts for Difference (CFDs)

NatWest Stockbrokers are introducing you to the CMC Markets Plc group. Spread Betting services are provided by CMC Spreadbet Plc and CFD services are provided by CMC Markets UK Plc (for these purposes, both CMC companies trade as “NatWest Index” with whom you will form a contractual relationship). All dealing, administration and settlement in relation to these services is undertaken by the relevant CMC company.

NatWest Stockbrokers are introducing you to CMC Spreadbet Plc and CMC Markets UK Plc, both trading as "NatWest Index".

CMC Spreadbet Plc is authorised and regulated by the Financial Services Authority (FSA registration number 170627) registered in England and Wales with company number 02589529. Registered office is at 66 Prescot Street, London, E1 8HG.

CMC Markets UK Plc is authorised and regulated by the Financial Services Authority (FSA registration number 173730) registered in England and Wales with company number 2448409. Registered office is at 66 Prescot Street, London, E1 8HG.

NatWest Index
PO Box 57349
London
E1 8YW
Telephone: 0207 152 0410

Spread Betting and CFDs are leveraged products. They carry a high degree of risk and are not suitable for all investors. These products can result in losses that exceed your initial stake. You should only speculate with funds that you can afford to lose. Please make sure that you understand the risks involved and seek expert professional advice, if necessary.

Collective Investments

Equator Investment Funds ICVC is an open-ended investment company, established as an Umbrella Fund in accordance with The Open-Ended Investment Companies (Investment Companies with Variable Capital) Regulations 1996, and The Financial Services (Open-Ended Investment Companies) Regulations 1997. It is authorised in the United Kingdom by the Financial Services Authority. The Authorised Corporate Director of Equator Investment Funds ICVC is NatWest.

Collective Investments are intended to be medium to long-term investments and should not be viewed as a short-term commitment.

Any reliefs referred to are those applying under current legislation, which may change, and their availability and value depend on your individual circumstances. If you are in any doubt as to whether this investment is suitable for you, please seek professional advice.

Morley Fund Management Ltd (Morley) is a wholly owned asset management business of Aviva plc. Morley has offices in London, Singapore and an associate office in Boston, United States of America (Morley Fund Management International Limited, an Aviva company).

Aviva plc (formerly CGNU plc) was created through the merger of CGU plc and Norwich Union plc on 30 May 2000. Following this, the investment arms of Morley Fund Management Limited and Norwich Union Investment Management Limited were merged in July 2000 using the business name of Morley Fund Management. Morley Fund Management Ltd is authorised and regulated by the Financial Services Authority.

RBS Collective Investment Funds Ltd. Registered in Scotland (Registered Number SC46694), Registered Office: 24-25 St Andrew Square, Edinburgh EH2 2YE. Authorised and regulated by the Financial Services Authority.

Child Trust Fund

Child Trust Fund accounts can only be opened by the person with parental responsibility who is 16 years or over.

Some information on this website may not apply to the Isle of Man, the Channel Islands or Gibraltar.

The Child Trust Fund is managed by RBS Collective Investment Funds Ltd. Registered in Scotland (Registration Number SC46694), Registered Office: 24-25 St Andrew Square, Edinburgh EH2 2YE. Authorised and regulated by the Financial Services Authority

"Life Protector and Guaranteed Bond"

These products are provided by National Westminster Life Assurance Limited, a subsidiary company of National Westminster Bank Plc. National Westminster Life Assurance Limited is authorised and regulated by the Financial Services Authority. Registered in England No: 2668470. Registered Office and Principal Place of Business: Trinity Quay, Avon Street, Bristol BS2 0YY.

Capital Protected Investment

For direct (non-ISA and PEP) investments - your investment is in the Capital Protected Accelerator Fund 1 which is a fund of the RBS Investment Funds ICVC or for ISA and PEP investments, your investment is in the Capital Protected Accelerator Fund 1 through the Capital Protected Investment ISA or PEP.

All products and terms are subject to variation and may be withdrawn at any time.

All information in this brochure is based on our understanding of current law and HM Revenue & Customs practice.

The RBS Capital Protected Investment is not in any way sponsored, endorsed, sold or promoted by FTSE International Limited (‘FTSE’) or by the London Stock Exchange Limited (the ‘Exchange’) or by The Financial Times Limited (‘FT’). Neither FTSE nor Exchange nor FT makes any warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the FTSE100™ Index (the ‘Index’) and/or the figure at which the said Index stands at any particular time on any particular day or otherwise.

The Index is compiled and calculated by FTSE. However, neither FTSE nor Exchange nor FT shall be liable (whether in negligence or otherwise) to any person for any error in the Index and neither FTSE nor Exchange nor FT shall be under any obligation to advise any person of any error therein. ‘FTSE’ is a registered trademark of the London Stock Exchange plc and The Financial Times Limited and is used by FTSE International Limited and under license.

RBS Collective Investment Fund Ltd.
Registered in Scotland No. SC46694
Registered Office: 24-25 St Andrew Square, Edinburgh EH2 1AF
Authorised and regulated by the Financial Services Authority

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Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Over 18s only.

Mortgages are provided by National Westminster Home Loans Limited, 135 Bishopsgate, London EC2M 3UR. Authorised and regulated by the Financial Services Authority.

Mortgages available in England, Scotland and Wales only.

The NatWest One account is a secured personal account with The Royal Bank of Scotland Plc.

Lifetime Mortgage

THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

Over 60s only.

The Lifetime Mortgage is provided by National Westminster Home Loans Limited, 135 Bishopsgate, London EC2M 3UR. Authorised and regulated by the Financial Services Authority.

Mortgages available in England, Scotland and Wales only.

The Spanish Mortgage

The Spanish Mortgage is provided by Adam & Company plc trading as NatWest, a UK subsidiary of The Royal Bank of Scotland Group.

For further information please read the legal information on the Spanish Mortgage website.

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Home Information Packs

Home Information Packs are provided to NatWest customers by Legal Marketing Services Ltd (LMS), a third party provider which is not part of NatWest. NatWest receives a fee from LMS for any HIPs arranged as a result of NatWest’s referral. By contacting LMS via a referral from NatWest, you are consenting to your data being used for the purposes of obtaining a Home Information Pack or gaining details about NatWest mortgage products. LMS are subject to the terms of the Data Protection Act.

Calls may be recorded.

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Loans, Overdrafts and Personal Loan Protector

Credit facilities: Over 18s only

You do not have to be an existing customer to apply for a NatWest Personal Loan. However, you must have a Current Account to apply on-line.

Credit Zone Overdraft

Credit Zone Overdraft Protector Plus is underwritten by: UK Insurance Limited authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ.

To ensure Credit Zone Overdraft Protector Plus meets your needs, please read the full terms, conditions and cover details in the Certificate of Insurance. Details are available on request from NatWest Insurance Services, 37 Broad Street, Bristol, BS99 7NQ or online at Credit Zone Overdraft.

Personal Loan Protector

To ensure Personal Loan Protector meets your needs, please read the full terms, conditions and cover details in the Certificate of Insurance, a copy is available on request from any NatWest branch or by calling 0800 200 400.

If you are unsure whether the insurance covers your particular needs or have any other queries, please call our helpline on 0845 2460455, or alternatively hearing or speech impaired customers can contact us on textphone number 0800 0513030. Calls will be recorded.

If you take out Personal Loan Protector and are not completely satisfied, you may return the Certificate of Insurance to your nearest NatWest branch within 30 days. Any premium you have paid will be refunded, provided you have made no claim.

If you are away from work due to accident or sickness when you enter the Loan Agreement, cover will not begin until you return to work for a continuous period of at least one calendar month for 16 hours a week.

For joint borrowers, the insurance only covers the first named on the Loan Application Form. If the first applicant is not eligible the second applicant may apply for cover.

The sickness and unemployment insurance is underwritten by UK Insurance Limited. Registered in England and Wales (Registered Number 1179980), Registered Office: LS1 4AZ The Wharf, Neville Street, Leeds, LS1 4AZ. The life insurance is underwritten by Direct Line Life Insurance Company Limited. Registered in England and Wales (Registered Number 2199286), Registered Office: 3 Edridge Road, Croydon, Surrey, CR9 1AG. UK Insurance Limited and Direct Line Life Insurance Company Limited. Authorised and regulated by the Financial Services Authority.

Law - There is a choice of law applicable to this insurance, but unless the Insurers agree otherwise, English law will apply.

NatWest aim to provide a quality service to their customers. Please contact your branch if you have any problems regarding this insurance. If they are unable to help, please contact the Customer Claims Manager, NatWest Insurance Services, PO Box 106, 37 Broad Street, Bristol BS99 7NQ. Telephone Helpline Number 0870 024 2776, or alternatively hearing or speech impaired customers can contact us on textphone number 0800 0513030.

Should you wish to take the matter further you may write to the Managing Director, UK Insurance Limited, The Wharf, Neville Street, Leeds LS1 4AZ. If you are still dissatisfied you may refer to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Your legal rights are not affected.

All companies are limited by shares and registered in England and Wales.

The Financial Services Compensation Scheme, may provide compensation if the Insurers were to become insolvent. Further details are available on request.

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Insurance

Car Insurance

NatWest Car Insurance and NatWest Breakdown Assistance are underwritten by UK Insurance Limited which is authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Conditions apply.

Home Insurance

NatWest Home Insurance is underwritten by UK Insurance Limited which is authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Conditions apply.

Travel Insurance

NatWest Travel Insurance is underwritten by UK Insurance Limited which is authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Conditions apply.

Travel Insurance is only available to persons residing within the United Kingdom (including Northern Ireland), Isle of Man and Channel Islands.

Income Protection Plan

The Income Protection Plan is administered by Norwich Union Healthcare Limited, Chilworth House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3RY. Registered in England number 2464270. Registered Office: 8 Surrey Street, Norwich, NR1 3NG. This Insurance is underwritten by Norwich Union Life & Pensions Limited. Registered in England number 3253947. Registered Office: 2 Rougier Street, York, YO90 1UU. Norwich Union Healthcare is authorised and regulated by the Financial Services Authority. Our FSA registered number is 308139. Our permitted business is advising on, arranging and administering, general insurance and pure protection contracts. Norwich Union Healthcare is a wholly owned subsidiary of Aviva plc, which includes within its group a number of insurers. Members of the Association of British Insurers.

Members of the Financial Ombudsman Service.

Essentials Contents Insurance

Essentials Home Insurance is underwritten by UK Insurance Limited which is authorised and regulated by the Financial Services Authority. Registered in England and Wales (Registered Number 1179980), Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ.

Free Home Emergency Cover Terms & Conditions

1. Free Home Emergency cover offer available on NatWest Home Insurance policies quoted between 4 September and 15th December 2006, and bought within 90 days of the quotation date
2. Free Home Emergency cover only applies in the first year of the NatWest Home Insurance policy.

Life Cover

National Westminster Life Assurance limited is authorised and regulated by the Financial Services Authority. Registered Office and principal place of business Trinity Quay, Avon Street, Bristol, BS2 0YY

Terms & Conditions

Introduction

This is a specimen of the Policy Terms and Conditions you will receive once you have taken out Life Cover.

1. Premiums

The initial Premium payable under this policy (the ‘Policy’) is as shown in the Schedule and is due on the Commencement Date.

Subsequent Premiums will be due on the corresponding day in each subsequent month or year as appropriate and will cease to be due on the payment of either the Life Cover Benefit (the ‘Benefit’) or on the payment of the last Premium due as specified in the Schedule. The ‘Premiums’ means the initial and subsequent premiums.

Monthly Premiums must be paid by direct debit instruction on a current bank or building society account unless otherwise agreed by the Company. Annual Premiums can be paid by direct debit instruction or by cheque.

Thirty days grace are allowed for the payment of each Premium after the first. Should a claim arise during this period, the unpaid Premium will be deducted from any Benefit payable.

If any Premium is not paid on the due date or within the thirty days grace allowed, the Policy will be cancelled and all Benefits and options under it will cease.

Changes in the frequency of Premium payments to or from monthly or annual payments cannot be made unless the Company, on receipt of a written request to do so from the Policyholder, allows otherwise.

2. Life Cover Benefit

Life Cover Benefit will be payable to the Policyholder on the death of the Life Assured provided this occurs on or before the Expiry Date as specified in the Schedule.

The Policyholder will receive the Life Cover Benefit as specified in the Schedule less any unpaid Premiums.

Life Cover Benefit will only be payable on one occasion and upon payment the Policy will cease.

3. Life (Lives) Assured

For joint life policies, Life Cover Benefit will be payable to the Policyholder on the death of the Life Assured who dies first provided the Policy has not expired, Life Cover Benefit will be paid on one occasion only and upon payment, the Policy will cease and no other benefit will be payable.

4. Payment of Benefits

The payment of any Benefit will be subject to the Company receiving such proof as it may reasonably require of (i) the happening of an event on which any Benefit is payable, (ii) the legal title of the claimant, (iii) the date of birth of the Life Assured, (iv) a completed Company claim form and (v) such other information as the Company may reasonably require.

Upon payment of Life Cover Benefit the Policy will cease.

5. Surrender

If the Policy is cancelled by the Policyholder no payment will be made by the Company and the Policy will cease.

6. Alterations

Notwithstanding anything in the Policy, the Company reserves the right to alter the Policy as the Company reasonably considers appropriate if the Policy or the Company are materially affected by a change in legislation or taxation or any judicial decision. The Company will give the Policyholder written notice of any such alteration.

If the date of birth of the Life Assured, or any of the dates of birth for joint life policies has been incorrectly stated, the Benefits will be amended by the Company having regard to the true date of birth. If the true date of birth is such that, had it been known by the Company at the time the Policy was proposed for, the Company would not have issued the Policy, then the Company may cancel the Policy and no Benefits will be payable.

Any other misrepresentation of or failure to disclose material facts by the Policyholder or Life Assured, will entitle the Company to alter, amend or cancel the Policy having regard to the true facts. A material fact is any information which could influence the Company in its assessment of a proposal.

7. Acceptance of Instructions

Any instruction, request or notice will not be accepted by the Company until such documents, information and consents as the Company may reasonably require are received at the Company’s Principal Place of Business.

8. General

All notices of assignment affecting the ownership of the Policy must be given in writing to the Company at its Principal Place of Business.

In these Policy Conditions the ‘Policyholder’ means the person or persons specified as such in the Schedule or his or their successors in title or assigns.

The Schedule records details of the Policy at the Commencement Date. Any alteration resulting in changes in the Premiums and the Benefits may not be endorsed on the Policy. In this event, such changes will be recorded by the Company.

Where appropriate, words in the masculine include the feminine and words in the singular include the plural and vice-versa.

For the purposes of the Contracts (Rights of Third Parties) Act 1999, the Policyholder and the Company agree that there is no intention to confer contractual rights on any third party who may benefit under the terms of the Policy.

The Policy, the proposal, any statements of information including medical information and any other written statement made by the Policyholder, the Life Assured or either of the Lives Assured, together with the Schedule and any endorsement to the Schedule or Policy shall form the entire contract between the parties and shall be interpreted according to the laws of England.

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Stakeholder Pension

This product is provided by CGNU Life Assurance Limited. CGNU Life Assurance Limited. Registered in England number: 226742. Registered Office and principal place of business: 2 Rougier Street, York YO90 1UU. CGNU Life Assurance Limited is authorised and regulated by the Financial Services Authority

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Business: Advice and Assistance

The Mentor Employment Law Service, Mentor Health Service and Mentor Tax Service are provided by NatWest Mentor Services which is a trading name of The Royal Bank of Scotland plc.

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Business Insurance

For most business insurance enquiries NatWest Insurance Services will only offer products from National Insurance & Guarantee (NIG). NatWest Insurance Services and NIG are wholly owned subsidiaries of the Royal Bank of Scotland Group of Companies. If NatWest Insurance Services are unable to provide a solution from the range of products available through NIG they will obtain your agreement to refer your enquiry to a member of their specially appointed broker panel. In this instance not all benefits listed will apply.

NatWest Insurance Services is a trading name of RBS Business Insurance Services Limited. Registered Office: 3 Edridge Road, Croydon, Surrey, CR9 1AG. Registration number 05196274. RBS Business Insurance Services Limited is authorised and regulated by the Financial Services Authority. Calls may be recorded.

Under the Financial Services and Markets Act 2000, should RBS Business Insurance Services Limited be unable to meet its liabilities to policyholders, compensation may be available through the Financial Services Compensation Scheme.

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Business: International Banking

The Royal Bank of Scotland International Limited (RBS International) trading as NatWest. Registered Office: P.O. Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Regulated by the Jersey Financial Services Commission for carrying on deposit-taking business under the Banking Business (Jersey) Law 1991 and for carrying on investment and insurance business under the Financial Services (Jersey) Law 1998. Business address: PO Box 11, 16 Library Place, St Helier, Jersey, JE4 8NH.

Guernsey business address: PO Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Regulated by the Guernsey Financial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended, the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended

Isle of Man business address: PO Box 7, 1 Prospect Hill, Douglas, Isle of Man, IM99 1AQ. Licensed by the Isle of Man Financial Supervision Commission for banking and investment business and registered with the Insurance and Pensions Authority in respect of general business.

Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road, Gibraltar. Licensed under the Banking Ordinance of Gibraltar 1992 and the Gibraltar Financial Services Ordinance 1989 (Licence number FSC0066OB). NatWest is the registered business name of The Royal Bank of Scotland International Limited under the Business Names Registration Ordinance.

RBS International is not an Authorised Person subject to the rules and regulations made under the UK Financial Services & Markets Act 2000, and therefore deposits made with branches, all of which are outside the UK, are not protected by those rules and regulations covered by the UK Financial Services Compensation Scheme.

Isle Of Man Bank Limited

Isle of Man Bank Limited (IOMB). Registered Company Number: 1 Isle of Man. Registered Office: 2 Athol Street, Douglas, Isle of Man, IM99 1AN. Licensed by the Isle of Man Financial Supervision Commission for banking and investment business and registered with the Insurance and Pensions Authority in respect of general business.

Isle of Man Bank Limited is not an Authorised Person subject to the rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of investors, and compensation under the UK Financial Services Compensation Scheme will not be available.

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2 Years Fee Free

Fee free banking means no account charges for running your account, or payments in and out of it, provided your account is in credit and you don't pay out over £1 million a year from your account during the free period.

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Fee Free Business MasterCard

Fee free Business MasterCard means no annual fee (normally £30).

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Free Business Legal Advice Service

Legal Advice Helpline is provided by DAS Legal Expenses Insurance Limited. We reserve the right to alter, amend or withdraw this promotion at any time without prior notice.

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