House Rules

We look forward to receiving your ideas, comments and opinions on making your bank better through our Ideas Bank website at www.natwest.com/ideasbank (the "Site").

Please note that by using the Site, you agree to be legally bound by the following House Rules. If you do not accept these House Rules, please do not use the Site.

House Rules for Ideas Bank

Any references in these House Rules to "you", "your" or "yours" are references to the person(s) accessing the Site. The Site is owned and maintained by National Westminster Bank plc, ("NatWest", "we", "us" and "our").

We are part of The Royal Bank of Scotland Group (the "RBS Group"). For information about our group of companies please visit www.rbs.com and click on "About Us".

Please note this Site is intended for use by residents of the UK only.

Do's and Don'ts

The basic rule for using the Site is:

Don’t post anything that you don’t want everyone to see

• Do keep posts succinct. You are limited to 260 characters per post.
• Do keep posts on-topic.
• Do only use the English language.
• Do only post your own opinions.
• Don’t post personal or confidential information.
• Don’t use the Site if you are resident outside of the UK.
• Don’t use offensive, indecent or obscene language.
• Don’t use the Site for commercial advertising or to promote personal companies.
• Don’t use the Site to incite, condone or encourage conduct which could result in a criminal offence, civil liability or otherwise breach any relevant laws or regulations.
• Don’t post anything that could be considered defamatory or embarrassing, or damaging to an individual, company or entity’s reputation.
• Don’t post links or direct others to material containing viruses, corrupted files or anything that may cause damage to or interfere with computer hardware or software.
• Don’t make multiple posts of low relevance or content in a short period of time.

Any violation of our House Rules will result in your post being removed from the Site. We reserve the right, at our sole discretion, to decide whether a post is published.

Moderation

The Site provides an online area for you to share your ideas, comments and opinions. We will moderate information shared on the Site.

Posts on the Site will be moderated in three different ways:

1. Pre-moderation: Comments will be screened by software prior to publication on the Site.
2. Post-moderation: Our moderators will review the posts published on the Site and remove anything which does not adhere to our House Rules.
3. Reactive moderation: Our moderators may, at our sole discretion, review the relevant post against our House Rules.

Views and Opinions

The views and opinions expressed on the Site are the views and opinions of the person posting the information and are not those of the RBS Group, unless specifically stated.

Whilst we will take reasonable steps to moderate the content of all posts, we cannot guarantee that the information provided on the Site will be complete, accurate or up-to-date.

Complaints

If you have a complaint in relation to a RBS Group company, follow the complaints procedure which can be found here.

Using Your Posts

By posting your ideas or comments on the Site, you grant us the sole right to unrestricted use of whatever information, material, ideas or comments you post. This includes, but is not limited to, the right to develop, reproduce, modify, adapt, implement, publish, distribute and display any ideas, comments or information, and grants us the sole ownership of any current or future associated Intellectual Property without any rights for you to receive compensation.

External Websites

We are not responsible for any links to third party websites or resources. These will be accessed by you at your sole discretion and at your own risk.

Advice

The contents of the Site do not purport to provide any financial, investment or professional advice and nothing on the Site shall be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified financial advisor before making any investment decision.

Changes

We reserve the right to amend our House Rules at any time without prior notice. It is your responsibility to periodically check the Site to make sure that you are complying with the current House Rules. Your continued access to or use of the Site will mean that you agree to any amendments to the House Rules.

Governing law

These House Rules are governed by the laws of England and Wales and any dispute regarding the Site shall be subject to the non-exclusive jurisdiction of the courts of England and Wales.

Regulatory Information

National Westminster Bank plc. Registered in England and Wales No 929027.
Registered Office: 135 Bishopsgate, London EC2M 3UR. We are authorised and regulated by the Financial Services Authority, except for consumer credit, where we are licensed by the Office of Fair Trading.