Website terms & conditions

Terms and conditions

We are currently changing our terms and conditions for personal and private banking customers.

Advantage Blue International - student option

Important Information

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

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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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.

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.

 

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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.

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 +44 20-7060-3337 .

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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