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l an RBS Business Account holder l a Limited Company or Limit

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l an RBS Business Account holder l a Limited Company or Limit Powered By Docstoc
					Before printing and completing this application you need to be:
l	   an RBS Business Account holder
l	   a
     	 Limited Company or Limited Liability Partnership,

     with a turnover between £250k and £1m
l	   UK or Channel Islands resident over 18

This form is enabled as a fillable PDF, which means you can complete it on
screen. If you would prefer to print and complete by hand, please ensure all
the sections are completed in BLOCK CAPITALS and black ink.

Please pay particular attention to the full completion and signing of the
BusinessOne Card Guarantee form. If you require any assistance please
contact your Business Development Manager.

Once you have completed and signed the application please send to:
FREEPOST ke 2355
The Manager
Business Telephony
PO BOX 4153
Hornchurch
RM12 4BR

Please note: due to regulatory requirements you will be required to print out several pages (approx 24).
Please ensure you have adequate paper and toner in your printer.
Your Financial Controller
BusinessOne – add one to the team
Limited Companies and Limited Liability Partnerships
       Introducing an invaluable
       new addition

Add BusinessOne to your team and it gets to work straightaway: helping you to manage expenditure, freeing up
time and providing a convenient way to boost cash flow. It’s one new recruit that has just the right qualities to hit
the ground running.



       Flexible
       BusinessOne is a cost-effective charge card programme that helps to facilitate cash flow by giving you
       up to 38 days’ interest-free breathing space. There’s no need to worry about interest charges as the
       balance is settled automatically each month by Direct Debit.



       Intelligent
       BusinessOne makes controlling your expenditure easy. It gives you instant online access to your
       complete financial picture. One click and you know who is spending what and where. And when you have
       the whole picture, it makes it quicker and easier to see where you can negotiate savings.



       Efficient
       BusinessOne guarantees you spend less time on your accounts and more time managing your business.
       Its comprehensive online expense management solution integrates seamlessly with your accounting
       systems. What’s more, you can generate electronic VAT invoicing reports that are already HM Revenue
       and Customs accredited.



Like every invaluable employee, it goes way beyond its remit, bringing you a wealth of additional benefits:
from business discounts to free travel accident insurance and much more.



     Apply today
     You’ll soon discover why it pays to employ BusinessOne. Just complete the
     application form and return it to your Business Manager.
       Helping your cash to flow better

We appreciate how important cash flow is to your business. That’s why with BusinessOne you will enjoy an automatic
interest-free grace period of up to 38 days. As the following chart demonstrates, when you purchase anything on
30-day payment terms, your business doesn’t actually have to settle the invoice for up to 68 days.


 Receive invoice from supplier
 Payment terms 30 days                     DAY 01
 Pay supplier with your card                                       DAY 30
 Pay balance on your card                                                                   DAY 68
You can use BusinessOne in the same way you would use any other MasterCard: at home or abroad, for everyday
purchases like stationery and fuel, or larger items like computers and furniture, as well as those re-occurring
payments you don’t want to forget. Plus you can use BusinessOne to withdraw up to £500 a day from cash
machines and access cash at bank branches (please refer to your general Terms for fees).



   •   38 days interest-free
   •   Cash withdrawals
   •   Accepted worldwide
       Putting you in complete control

Using various methods of payment makes it difficult to keep an eye on your company’s expenses. Employ
BusinessOne today, use it for all your business expenditure, and with its easy-to-use electronic Management
Information (eMI) system, you’ll know who is spending what and where instantly by the click of a button.

Designed especially for businesses like yours, our eMI solution is a secure, online business expense management
tool that transforms your expense data into business intelligence, helping you control business expenditure.

It could save you time and money too. Instead of manually entering receipts and invoices, our eMI system
captures all your BusinessOne card transactions and automatically uploads them to the web site each day.

BusinessOne is simple to use, easy to customise and packed with a wealth of features, for example:


   •   You can create over 10 detailed reports to help track how and where money is being spent
   •   Access reports 24/7 or schedule them to run weekly/monthly
   •   eMI can do so much more for your business, watch a demo at www.rbs.co.uk/businessone



Quick guide to eMI:


   •   See who is spending what and where
   •   HM Revenue and Customs accredited VAT reports
   •   Easy to run expenditure reports
   •   Seamless integration
       Making savings across
       your business

BusinessOne is designed to make your life easier and save you money. Apply today and you’ll immediately notice
the positive impact it has on your bottom line. For starters, your balance is settled every month so you won’t suffer
from expensive interest charges. But that’s just the beginning:


   BusinessOne provides a key negotiating tool
   4 Our eMI system can be set up to identify the suppliers you spend most with. So you can use this
     information to negotiate better deals.



   Free travel accident insurance worth £50,000
   4 So your cardholders are protected when they travel on business (see documents for details).



   BusinessOne is tax-deductible
   4 So it pays for itself. We strongly advise you speak to your tax adviser, to fully understand how much tax
     you could save.



   Business Exclusive Discounts
   4 BusinessOne gives you access to savings on business resources, such as car breakdown cover, car hire
     and airport parking.




       Freeing up your time
Your time is valuable too. BusinessOne’s eMI makes your financial life as easy as possible, so you’re free to
concentrate on your core business.


   •   No need to waste time transferring information as eMI integrates seamlessly with your accounting system
   •   Transaction data is updated daily and stored for 25 months so you can easily identify trends and track
       expenditure against budget, quickly and accurately
   •   All expenditure under one roof means less time spent on writing, tracking and posting cheques, or having
       to reconcile BACS, or cash payments
   •   Easy-to-understand monthly statements available, both paper and online
   •   If you use VAT-capable suppliers, HM Revenue and Customs will accept BusinessOne VAT invoice
       reports as proof
   Keeping your business safe

Employee misuse insurance
4 For your peace of mind, BusinessOne automatically provides employee misuse insurance for all customers
  with more than one cardholder. (Please refer to the Insurance policy documents for full details.)



Protection against online fraud
4 RBS Secure provides added protection to your internet purchases at participating online retailers by
  allowing you to use a password to authenticate payments.



Online guarantee
4 This covers you against fraudulent misuse of your BusinessOne. So should a fraudulent transaction
  using your details be carried out on the internet without your knowledge or consent, we guarantee
  not to hold you liable.



Merchant Category Blocking
4 This facility allows you to manage where your employees can use this card by allowing you to restrict
  BusinessOne purchases within certain merchant groups.



Optional Cover
4 BusinessOne also allows you to take out optional cost-effective insurances against identity theft and
  the loss or theft of your business cards. Speak to your Business Manager for further information.
       Upgrade to BusinessOne Premium
       for even greater peace of mind

Complete control. Improved cash flow. Reduced administration. Great savings...
The benefits of BusinessOne are great. And when you opt for BusinessOne Premium they get even better.

   Worldwide business travel insurance
   4 When you’re travelling on business, peace of mind is invaluable. So you can concentrate on the business,
     not on the travel details. When you book your travel with BusinessOne Premium, our comprehensive travel
     insurance means you don’t have to worry – you’re covered for most eventualities, for up to 90 days per
     trip with no restrictions on the number of trips in a year. There’s also a pre-travel Helpline where you can
     get advice on matters like visas, inoculations, currency restrictions and so on.



Your Cover includes:


   •   You and up to 3 business colleagues who are travelling with you on any business trip
   •   Travel accidents up to £100k
   •   Emergency medical expenses up to £10 million – dental, medical, surgical, or hospital treatment
       required whilst abroad
   •   Travel inconveniences such as cancellation, baggage delay or loss and curtailment of journey



   Green Flag Roadside assistance
   4 Does car travel feature in your day? With BusinessOne Premium, we give the highest priority to getting
     your business back on the road as swiftly as possible. BusinessOne Premium provides automatic Green
     Flag Rescue Plus cover, offering round-the-clock assistance, rapid breakdown and home call outs.



   Comprehensive Virus Protection
   4 Your BusinessOne Premium card offers virus protection through BitDefender – offering a full suite of
     antivirus, firewall and anti-spam technology.



   Discounted airport parking
   4 As a BusinessOne Premium holder, you’ll enjoy great savings on airport parking, and save valuable time,
     when you pre-book your parking space with BCP. Secure airport parking is available at more than
     20 airports throughout the UK.



   Discounted Priority Pass
   4 Priority Pass is the world’s largest independent airport lounge programme, with access to over 600 airport
     lounges worldwide. As an RBS BusinessOne Premium cardholder, you’ll enjoy a discounted rate on your
     annual membership when paying on your BusinessOne Premium card.
       Your choice of cards

To help you decide which card best suits your needs, here’s a simple overview of the features and benefits of
both BusinessOne and BusinessOne Premium.


 Summary Table                                                   BusinessOne                 BusinessOne
                                                                                                 Premium
 Features
 Interest free period up to 38 days                                      4                             4
 Electronic Management Information (eMI)                                 4                             4
 Monthly statement and online account management                         4                             4
 Cash withdrawals (incl abroad)                                          4                             4
 Use abroad, online, on the high street –                                4                             4
 MasterCard acceptance

 Business benefits and discounts
 Business Exclusive discounts                                            4                             4
 Discounted Airport Parking                                                                            4
 Discounted Airport Lounge access with Priority Pass                                                   4
 Green Flag Rescue                                                                                     4
 Comprehensive virus protection                                                                        4
 Insurance and protection
 Worldwide Business Travel Insurance: £10m medical expenses,                                           4
 up to £2m personal liability

 Protection against online fraud                                         4                             4
 Online guarantee                                                        4                             4
 Merchant Category Group (MCG) Blocking                                  4                             4
 Employee misuse insurance                                               4                             4
 (£15,000 per cardholder, £1m per company)
                                                                                         £100,000 covered with Worldwide
 Travel Accident Insurance                                             £50,000              Business Travel Insurance

 Identity Theft Protection up to £150,000                             (Optional)                   (Optional)

 Commercial Card Protection: 24hr assistance                          (Optional)                   (Optional)




       Apply today – it’s simple
       Take a few minutes to apply now for BusinessOne and it won’t be long
       before your business is seeing the difference.
BusinessOne                                                                             I. Your right to             You have a right to withdraw from the Agreement
Credit Agreement partly regulated by the Consumer Credit Act 1974                          withdraw from             (without giving any reason). Your right of
This is the BusinessOne charge card agreement between The Royal Bank of                    the Agreement             withdrawal will start on the latest of the following:
Scotland plc, Commercial Cards Division, Cards Customer Services, PO Box                                             (a) the day after the day that the Agreement
5747, Southend-on-Sea SS1 9AJ whose head office is at 36 St Andrew Square,
                                                                                                                          is made;
Edinburgh EH2 2YB and the Customer signing the application form.
                                                                                                                     (b) the day after the day that we first inform you
                       KEY FINANCIAL INFORMATION                                                                          of your credit limit; or
                                                                                                                     (c) the day after the day that you receive an
  A. Business Credit        The Bank will set the monthly credit limit from
                                                                                                                          executed copy of the Agreement under
     Limit                  time to time and will inform the Customer of what
                                                                                                                          section 63 of the CCA;
                            it is. The Bank will set a Cash Advance Limit from
                                                                                                                     and will end 14 days after that day.
                            time to time and will notify the Customer of the
                            applicable Cash Advance Limit.                                                           If you wish to withdraw from the Agreement you
  B. Repayment              Each month the Customer must pay the full                                                must tell us by calling us on the number set out
                                                                                                                     above in section H or by writing to us at the
                            amount outstanding on the Business Account by
                                                                                                                     address set out in section H.
                            the due date which is seven days after the date on
                            the monthly Statement. A payment due on a non-                                           You must repay all of the credit provided to you
                            business day, will be payable on the next Business                                       under the Agreement without delay and in any
                            Day (i.e. a weekday other than a national holiday).                                      event within 30 days of the day after the day
                                                                                                                     that you tell us you wish to withdraw. You will
  C. APR                    Cash Advance APR (variable) –                                                            also have to pay any interest which has accrued
                            47.6% BusinessOne                                                                        up to the date you repay the credit to us. Where
                            54.4% BusinessOne Premium                                                                credit is drawn down during the 14 day withdrawal
                                                                                                                     period, we will notify you, on request and without
                      OTHER FINANCIAL INFORMATION                                                                    delay, of the amount of interest that is payable
                                                                                                                     per day.
  D. Total Charge           BusinessOne: £453.40
     for Credit             BusinessOne Premium: £496.12 based on
                            £1,200 drawn each month for a year and                   MISSING PAYMENTS
                            comprising charges mentioned below and                   Missing payments could have severe consequences and make obtaining credit
                                                                                     more difficult.
                            repayment in accordance with the terms of
                            the agreement.
                                                                                     IMPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT
                            • Annual Card Fee which will normally be                 YOUR RIGHTS
                              BusinessOne: £35                                       That part of this agreement which deals with cash advances is a regulated
                              BusinessOne Premium: £79                               agreement under the Consumer Credit Act 1974. As a result certain requirements
                            • For Cash Advances the bank charges a Cash              for your protection should have been complied with when it was made. If they
                              Handling Fee which is 3% of the transaction            were not, the Bank cannot enforce this agreement without a court order. The
                              amount (minimum charge £3).                            Act also gives you a number of rights. You can settle the regulated agreement
                                                                                     at any time by giving notice in writing and paying off the amount you owe under
  E. Interest Rates         The rate for outstanding balances is variable.           this agreement. You can settle this agreement in part at any time by giving notice
                            Interest is charged and calculated on the average        and paying off some of the amount you owe. If you would like to know more
                            daily balance outstanding for the payment period         about your rights under the Act, contact either your local Trading Standards
                            until full repayment is made to the account (see         Department or your nearest Citizens’ Advice Bureau.
                            Term 6.2). Interest is not charged on over limit fees,
                            late payment charges or other fees which may             THEFT, LOSS OR MISUSE OF THE CARD
                            be applied to the Business Account because the           If your card is lost, stolen or misused by someone without your permission, you
                            Customer is in breach of this agreement. Payments        may have to pay up to £25 of any loss to the Bank. If it is misused with your
                                                                                     permission you will probably be liable for ALL losses. You will not be liable to the
                            received by the Bank are applied to the transactions
                                                                                     Bank for losses which take place after you have told the Bank about the theft, etc.
                            or items applied to the Business Account first           However, the card can also be used under an agreement to which this protection
                            towards transactions shown on a statement and            does not apply. As a result, there may be circumstances under which you may
                            then to those not yet shown on a statement in the        have to pay for all the losses to the Bank.
                            following order: towards any charges and interest
                            on the Business Account and then to other amounts        FORM OF CONSENT
                            due from the Customer (see Term 4.6).                    I wish to purchase a Commercial Card Protection policy to protect my cards.
                                                                                     I understand that I am purchasing the product ticked above on credit provided
  F Changes to
   .                        The interest rate, fees and charges can be               by you and that the terms relating to the credit for the product can be found
     interest rates         changed or new fees or charges introduced by             in clauses A to I above and in the accompanying BusinessOne General Terms.
     and fees               giving you two months’ notice. The Cash Advance
                            APR does not take into account possible changes.         The Agreement comprises the terms at A to I above together with the
                                                                                     BusinessOne General Terms in this brochure. The Customer can request
                            KEY INFORMATION                                          a copy of this information at any time during the duration of the Agreement.
                                                                                     The statutory notices and references to the Consumer Credit Act 1974 are only
  G. Other charges          The Bank will charge the Customer:                       applicable to agreements governed by the Act and are not therefore relevant to:
                            1. £12 Administration Fee if payment is not              (i) limited companies;
                               received by the due date or is returned unpaid;       (ii) partnerships with 4 or more partners;
                            2. interest on the outstanding balance (except           (iii) partnerships of 2 or 3 partners all of whom are incorporated; or
                               on Administration Fees set out at G1 above)           (iv) sole traders or partnerships of 2 or 3 partners (not all of whom are incorporated)
                               if unpaid by the due date (see B above) at a                where the credit limit exceeds £25,000 and the Bank expects the customer
                               rate equivalent to 1.6% per month (19.2% p.a.)              to draw down on an amount of credit exceeding £25,000 at any time during
                                                                                           the life of the agreement.
                               until paid in full;
                            3. an administrative charge for ancillary services       BusinessOne General Terms
                               (such as providing duplicate statements); and         1.    Issue of Cards
                            4. a commission of 2.95% of the transaction              1.1   The Customer authorises the Bank to issue Cards and a PIN to
                               amount on each transaction that is not in                   Cardholders detailed in the application or otherwise notified to it
                               Sterling (including the purchase of foreign                 and authorises each Cardholder to use the Card and authorise card
                               currency and travellers’ cheques). (See Terms               transactions on the Customer’s behalf. The Bank will issue cards
                               4.5, 6.2 and 6.4).                                          bearing the names of the Customer and the Cardholder. A Cardholder
                                                                                           may only use the card issued with his/her name.
  H. Your right to settle   Under the Consumer Credit Act 1974, you have a           1.2   Cards can be used for the purchase of goods and services where
     your Agreement         right to repay the outstanding balance due under               the logo shown on the card is displayed.
     early                  the Agreement at any time either in full or in part.     1.3   The Bank will open, in the name of the Customer:
                            This is a statutory right available to you. Under the    1.3.1 an Account for each card.
                                                                                     1.3.2 a Business Account consolidating all the Accounts.
                            terms of this Agreement, there is no requirement
                                                                                     1.4   The maximum debit balance allowed on each Account is the Cardholder
                            to make payments other than the payment we                     Credit Limit. The maximum debit balance allowed on the Business Account
                            notify to you on your statement. If you wish to                is the Business Credit Limit as notified by the Bank from time to time.
                            exercise your statutory right to pay early, please             Unless agreed otherwise the Bank may allow the Cardholder Credit Limit
                            call us on 0845 300 8460 or write to us at                     to be exceeded so long as the Business Credit Limit is not exceeded.
                            The Royal Bank of Scotland plc, Commercial               1.5   The Customer will appoint an Authorised Signatory who can request
                            Cards Division, Cards Customer Services,                       changes to Customer or Cardholder details by fax or in writing. This includes
                            PO Box 5747, Southend-on-Sea SS1 9AJ.                          requests for new cards and for changes to the Business Credit Limit.
1.6     The Customer can also instruct the Bank in accordance with the                       to be used by the Cardholder after the Bank has been asked to
        authority held by the Bank.                                                          suspend, cancel or restrict its use, the Agreement has been terminated
1.7     The Bank is authorised to accept written or faxed instructions. Provided             or a Cardholder uses the card in breach of their obligations to the
        the signature on the written instructions or fax appears to be that of an            Customer.
        Authorised Signatory or consistent with the authority held by the Bank,      2.7.2   notify the Bank immediately of any change to a Cardholder’s or the
        the Bank may assume the accuracy of the instructions and comply with                 Customer’s details.
        them. The Bank may contact the person giving the written or faxed            2.7.3   notify the Bank without undue delay and within a maximum of 13 months
        instructions by telephone to confirm any instructions or information                 after the date the transaction is debited to the Account where the
        received. The Bank may also accept instructions over the telephone.                  Customer knows or suspects a Card has been misused or where a
        When accepting instructions over the telephone, the Bank will ask the                payment has been wrongly executed.
        person on the telephone certain agreed security questions. Provided          2.7.4   return to the Bank or destroy cards, where a Cardholder is no longer
        the person is able to provide the correct answers, the Bank may                      permitted to use them.
        assume that person is an Authorised Signatory or other person entitled       2.7.5   notify all suppliers with a continuing payment authority that a card has
        to provide instructions to the Bank, assume the accuracy of the                      been cancelled.
        instructions and comply with them.                                           2.8     The Customer may be entitled to claim a refund in relation to
1.8     The Customer will immediately notify the Bank of any change of name,                 transactions where:
        address, telephone number or email (where applicable). If the Customer       2.8.1   a card transaction was not authorised under this Agreement;
        notifies the Bank by telephone, the Bank may ask the Customer to confirm     2.8.2   the Bank is responsible for a card transaction which was incorrectly
        any notice in writing.                                                               executed and the Customer or Cardholder notified the Bank in
1.9     The Bank enables the card to be used to withdraw cash (which includes                accordance with Condition 2.7.3;
        foreign currency and travellers’ cheques) and to make money transfers        2.8.3   a pre-authorised transaction did not specify the exact amount at the time
        (Cash Advances) unless the Customer has notified the Bank that it does               of its authorisation and the amount charged by a supplier is more than
        not want these facilities to be available to it. The Bank may restrict the           the Cardholder could reasonably have expected taking into account
        amount that may be withdrawn as Cash Advances to a percentage of                     normal spending patterns on the card or the circumstances of the
        the Business Credit Limit. If the Bank does this, it will inform the                 transaction. A claim for a refund in these circumstances will not be
        Customer of the Cash Advance Limit at that time. The Bank may also                   accepted if:
        set a maximum amount which a Cardholder can withdraw as cash                         a. the amount of the transaction was made available to the Customer
        within any day or other period determined by the Bank and notified                        or Cardholder at least 4 weeks before the card transaction date; or
        to the Customer. If the Bank does this, it may refuse any transactions               b. it is made more than 8 weeks after being debited to the Account.
        which exceed that amount.                                                    2.9     The Bank may at any time (and in accordance with such notice as may
1.10    Unless expressly stated, any products, additional features or benefits               be required by this Agreement or statute):
        made available to the Customer and/or Cardholder(s) do not form part         2.9.1   suspend, restrict or terminate a Cardholder’s use of a card, or refuse to
        of the Agreement and the Bank may withdraw them at any time.                         issue or replace a card and/or reduce any agreed Business Credit Limit
                                                                                             and/or Cash Advance limit for reasons relating to the following:
Use of Cards                                                                                 a. the Bank is concerned about the security of the Account;
2.     Authorising Card Transactions                                                         b. the Bank suspects the Account is being used or might be used in
2.1    A Card transaction will be regarded as authorised by the Customer                          breach of this Agreement or in an unauthorised or fraudulent manner;
       where the Customer or a Cardholder:                                                   c. if there is a change in the Customer’s financial circumstances
2.1.1 authorises the transaction at the point of sale by following whatever                       giving the Bank reasonable grounds to believe there to be a
       instructions are provided by the merchant to authorise the transaction,                    significant risk that the Customer may have difficulty paying the
       which may include:                                                                         Bank, including:
       a. entering the PIN or providing any other security code;                                  • the Customer proposes a voluntary arrangement with its creditors.
       b. signing a sales voucher;                                                                • there is any resolution or petition for liquidation or bankruptcy or
       c. providing the Card details and/or providing any other details                              insolvency proceedings are commenced, in relation to the
            requested;                                                                               Customer in any jurisdiction, except as part of a re-organisation
       d. waving or swiping the card over a card reader.                                             agreed by the Bank.
       The authorisation of a transaction can include authorising any single                      • any security is enforced or a receiver or similar official is appointed
       transaction, a series of recurring transactions (including transactions                       in respect of any of the assets of the Customer.
       for an indefinite period), or pre-authorising a future transaction of a                    • there is an application or petition for an administration order, or
       certain or uncertain amount.                                                                  notice is given to any person of intention to appoint an
2.1.2 inserts a Card and their PIN and makes a request for a Cash Advance                            administrator, or an administrator or similar official is appointed,
       at an ATM or at any bank counter;                                                             in relation to the Customer.
2.1.3 orally or in writing provides the Card details to the Bank or the Bank’s                    • any other circumstances occur which cause the Bank to believe
       representative and requests a Cash Advance or money transfer from                             that the Customer’s obligations to the Bank will not be met.
       the Account.                                                                          Prior notice will be given to the Customer unless it is unable to do so
2.2    In the event that a Card transaction has not been authorised, the                     or it would be illegal or would compromise security of the Account, in
       Customer or Cardholder may authorise a transaction after it has been                  which case it will inform the Customer afterwards.
       made by providing its consent to the transaction orally or in writing.        2.9.2   refuse to authorise a card transaction for any of the following reasons:
2.3    Authorisation for a Card transaction may not be withdrawn (or revoked)                a. any of the reasons set out in 2.9.1
       by the Customer or the Cardholder after the time it is provided by                    b. in the event of systems or software failures or errors
       the Cardholder.                                                                       c. the Bank considers the transaction to be potentially suspicious or
       However, the following transactions may be withdrawn at a later date                       illegal, for example, if the Bank suspects fraud or the identity of the
       as follows:                                                                                person using the card
2.3.1 any transaction which is agreed to take place on a date later than the                 d. errors, failures or refusals by merchants, payment processors or
       date it was authorised may be withdrawn so long as notification was                        payment schemes processing card transactions
       provided no later than close of business on the Business Day before                   e. if the Customer has requested some form of restriction to be
       it was due to take place; or                                                               placed on a card or on transactions.
2.3.2 recurring transactions may be withdrawn if they are to occur after the                 If the Bank refuses a transaction, it will notify the Customer at the point
       date of withdrawal.                                                                   of the transaction orally or in writing depending on the nature of the
2.4    Funds to cover authorised transactions received by the Bank will be                   transaction being made.
       paid over to the merchant acquirer within 3 days following receipt by                 The Customer may find out the reasons for the refusal and correct any
       the Bank of the instruction to make payment and may take an additional                information we hold which may have led to the refusal by telephoning
       day if authorised using a paper based authorisation process.                          0845 300 8460.
2.5    A transaction (the payment order) will be received as follows:                2.10    The Bank may disclose information to a third party where it is necessary
2.5.1 For purchases and ATM transactions, at the time the Bank receives the                  to carry out card transactions or to comply with its obligations as a card
       transaction instruction from the merchant acquirer or ATM operator.                   scheme member.

Cardholder usage                                                                     3.      Lost and Stolen Cards and unauthorised or incorrectly
2.6   The Customer will ensure each Cardholder only uses cards for                           executed payments
      business purposes and:                                                         3.1     The Customer must notify the Bank without undue delay on
2.6.1 complies with the Agreement and any security measures advised                          0870 6000 459 (24 hours – calls may be recorded), Minicom users
      by the Bank.                                                                           dial 01423 532152, if the Customer knows or suspects that a:
2.6.2 does not exceed their relevant cardholder credit limit and/or cash             3.1.1   card is lost or stolen.
      advance limit.                                                                 3.1.2   PIN or password is known to an unauthorised person.
2.6.3 discloses the card number to third parties only in order to carry out          3.1.3   reported card has been found. A card which is later found, must
      a card transaction.                                                                    be destroyed.
2.6.4 signs any card issued immediately on receipt.                                  3.2     Provided the Customer has properly notified the Bank, unless the
2.6.5 memorises any PIN issued by the Bank for use with a card, destroys the                 Customer or a Cardholder acts fraudulently or with gross negligence,
      notification slip immediately and does not disclose the PIN to any person.             the Customer’s maximum liability will be £25 for losses arising from
2.6.6 takes reasonable care of the card                                                      fraudulent use of the card before notification that it has been lost or
2.6.7 does not use a card or cheque while it is suspended, after it has been                 stolen. The Customer is not liable for a fraudulent transaction where
      cancelled or in breach of any restriction.                                             the card is used on the Internet, by telephone or mail order.
                                                                                     3.3     The Customer will (and will ensure that Cardholders) assist the Bank to
Customer obligations in relation to the card                                                 recover cards and investigate any loss, theft or the disclosure of a PIN
2.7   The Customer will:                                                                     or password.
2.7.1 meet all expenditure, charges and interest incurred through the use of         3.4     The Bank may disclose information to third parties in relation to lost or
      all cards (unless a refund is lawfully due) including where a card continues           stolen cards.
3.5     If a transaction was not authorised or was incorrectly executed the         7.2   eMI System
        Customer must notify the Bank without undue delay on 01268 508 020.               (a) Subject to the Customer complying with its obligations under this
3.6     Where a transaction was not authorised by the Customer, the                           Term and the Agreement and the instructions and procedures set
        Customer is entitled to a refund of the amount and interest or charges                out in the eMI Material, the Bank will use reasonable efforts to
        that would not have been payable but for the transaction.                             make the eMI System available to the Customer in accordance
3.7     Where a transaction is incorrectly executed, the Bank is liable for                   with and subject to this Term.
        purchases and Cash Advances, if it can be proved that the Bank                    (b) The Customer shall be responsible for controlling access to and use
        received the payment order.                                                           of the eMI System and shall ensure that only properly authorised
                                                                                              users (Users) are permitted to use it. The Customer shall take all
4.      Transactions and Statements                                                           necessary steps to ensure that all Users keep any passwords,
4.1     Card transactions will be debited to the relevant Account and will be                 authorisations and security information required to access the eMI
        shown on a monthly Statement together with any interest and charges.                  System confidential and secure from unauthorised use.
4.2     The Statement will show:                                                          (c) The Customer shall ensure the Users only use the eMI System in
4.2.1   information relating to each card transaction which will enable it to                 accordance with this Term and the eMI Material.
        be identified;                                                              7.3   Security
4.2.2   the amount of the card transaction shown in the currency in which the             (a) The Customer shall, and shall procure that the Users shall, comply
        transaction was paid or debited to the account;                                       with any reasonable instructions the Bank may issue regarding the
4.2.3   the amount of charges for the transaction and the interest payable;                   security of the eMI System or information received or sent through
4.2.4   any exchange rate used by the Bank to effect any currency conversion                  it from time to time. The Customer shall set-up, maintain and
        and the amount payable after the currency conversion has been made;                   regularly review security arrangements concerning the Users’
4.2.5   the date the transaction is authorised or posted on to the Account.                   access to and use of the eMI System and information stored on the
4.3     The Bank reserves the right not to issue a statement if there is a nil                Customer’s computing and communications systems to prevent
        balance and there have been no entries since the last statement.                      unauthorised access or use.
4.4     The Statement will constitute a demand for payment. Payment of the                (b) The Customer must notify the Bank as soon as reasonably
        full amount outstanding on the Business Account shall be made by the                  possible upon becoming aware of (1) any actual or attempted
        Customer no later than 7 days after the date of the Statement (the due                unauthorised access to or use of the eMI System, or (2) any
        date). The Customer is required to pay, without further demand being                  potential attack on or prejudice to the eMI System, including
        made, any arrears from previous Statements. The Bank may include                      (without limitation) risk of transmission of any virus or denial of
        the amount of any arrears in Statements and arrears may be added to                   service attack.
        the amount required that month to show the total amount the Customer              (c) The Customer must ensure that neither the Customer nor its Users
        must pay to the Bank. Any payment the Bank received (or part of it) will              do anything during or after the term of the Agreement which may
        be treated as paying off any arrears on the Business Account before                   result in the security of the eMI System, the information received or
        being treated as paying sums due from the most recent Statement.                      sent through it or the systems or security of any other Bank
        Payment shall be made by the Customer presenting to its bank a                        customers, being compromised.
        request for payment by Direct Debit and immediately and irrevocably         7.4   Data Protection
        authorising its bank to pay all such requests upon presentation at all            (a) The Customer shall comply at all times with the Data Protection Act
        times during the continuance of this Agreement.                                       1998.
        The Customer’s Direct Debit must be from its Business Current                     (b) The Customer shall ensure that any personal data that its shares with
        Account with the Bank unless the Bank waives this requirement.                        the Bank in relation to Cardholders, Users or any other employees or
4.5     Payment will only be treated as having been made once cleared funds                   agents of the Customer, can be lawfully processed by the Bank and
        have reached the Business Account and will be applied to the transactions             MasterCard in the manner anticipated in the Agreement.
        or items applied to the Business Account in the following order:                  (c) The Customer shall to the extent necessary for the purposes of this
        a) in payment of any charges and interest remaining unpaid; and                       Term 7.4(c) ensure that all Cardholders are made aware of the
        b) in payment of other amounts then due from the Customer.                            existence and nature of the eMI System and shall ensure that the
4.6     Any payment the Bank receives (or part of it) will be treated as paying               Cardholders (and where relevant the Users) have consented to
        off any arrears on the Business Account before being treated as paying                their personal data being processed by the Bank in the UK and by
        sums due from your most recent Statement.                                             MasterCard in the USA in the manner anticipated in the Agreement.
4.7     Statements will be provided either by post, by electronic means or by       7.5   Proprietary Rights
        making the information available on a Customer’s secure webpages.                 (a) MasterCard owns and shall retain all right, title, and interest in and
        A charge will be made for supplying additional or duplicate copies of                 to the eMI System and any related programming language or code,
        statements. The amount of the applicable charge may vary from time                    including all copyright, patents, trade secrets, trade marks, design,
        to time and the amount of the current amount of the charge is stated                  know-how and all other intellectual property rights and equivalent or
        on our website at www.rbs.co.uk/businessone                                           similar forms of protection existing anywhere in the world
                                                                                              (Intellectual Property Rights) therein. Nothing in the Agreement
5.      Set-off and Tax                                                                       shall convey to the Customer, the Users or the Cardholders or any
5.1     The Bank may set off any amount due to the Bank under the                             other third party any right, title or interest in or to the eMI System or
        Agreement against any amount owing by the Bank to the Customer.                       any related programming language or code, including all Intellectual
        The Bank may exercise this right, without prior notice both before and                Property Rights therein, other than as set out in the Agreement.
        after demand, and to do so, may convert to one currency, any amount                   MasterCard has granted the Customer a non-exclusive, personal,
        which is in a different currency.                                                     non-transferable, limited licence to use the eMI System and all
5.2     Any tax, duty or other charge imposed on the Business Account and                     necessary Intellectual Property Rights to access the eMI System,
        paid by the Bank, will be debited to the Business Account.                            as contemplated under, and in accordance with, this Term 7.
                                                                                          (b) The Customer agrees, and shall procure that the Users agree, not
6.      Fees and Interest                                                                     to reverse engineer, redesign, adapt or use the eMI System or the
6.1     The Customer will pay the Bank’s fees and interest as set out in the                  eMI Material or access the eMI System to develop any software or
        Terms or as advised to the Customer.                                                  other material based thereon.
6.2     If the Customer fails to repay the full amount outstanding on the           7.6   Additional Obligations
        Business Account by the due date as set out in section B of the                   The Customer shall:
        Agreement, the Customer will be charged a late payment charge as set              (a) make available to the Bank, MasterCard and its permitted
        out in section G2 of the Agreement (or such other rate as is notified to              sub-contractors, free of charge, such facilities and systems as they
        the Customer by the Bank from time to time) calculated on the average                 may reasonably require from time to time to provide to the Customer
        daily balance outstanding (excluding sums on which interest is not                    the eMI System, subject to them complying with all of the Customer’s
        charged) for the period to which the Statement relates until full                     reasonable security procedures concerning access to its facilities; and
        repayment is credited to the Business Account together with the                   (b) provide as soon as reasonably practicable such information that
        applicable Administration Fee as set out in section G1 of the Agreement.              the Bank may reasonably require for the purposes of performing its
6.3     The Bank may agree a payment holiday allowing the Customer to miss                    obligations under this Term and the Agreement.
        one or more monthly payments. If this happens, interest will still be       7.7   Warranties
        charged on the balance on the Business Account but no Administration              (a) The Bank will make reasonable efforts to procure that the eMI
        Fee will be charged.                                                                  System performs substantially as described in the eMI Material.
6.4     Card transactions will be carried out in sterling. Foreign card                       However, if any defect, error or disruption is caused by the
        transactions will be converted into sterling using either:                            improper or unauthorised actions or negligence of the Customer,
        • the Bank’s exchange rate; or                                                        the Users or the Cardholders, the Customer shall be responsible
        • the exchange rate used by the payment scheme as applicable                          for any costs or expenses incurred or suffered by the Bank to
          applying at the date of the debit.                                                  remedy such defect, error or disruption.
6.5     The Annual Card Fee is not refundable if the Customer downgrades                  (b) The Bank will make reasonable efforts to ensure that any
        from BusinessOne Premium to BusinessOne.                                              information or data supplied to the Customer through the eMI
                                                                                              System accurately reflects the information received from a third
7.      BusinessOne Electronic Management Information (eMI)                                   party. As such information is collected from various sources
7.1     Introduction                                                                          (including third parties), the Bank does not warrant that the
        This Term applies if the Bank agrees the Customer may use the eMI                     information is accurate, sufficient or error-free, nor that the
        system (eMI System), which is a management information tool                           information on the Bank’s system is current and up-to-date at the
        described further in the documentation, guides and materials (eMI                     time it is accessed.
        Material) supplied by the Bank from time to time. The Bank has                    (c) The warranties set out in Terms 7.7(a) and 7.7(b) are the only
        entered into an agreement with MasterCard International Corporation                   warranties made by the Bank in respect of the eMI System. All
        (MasterCard) to enable the Bank to provide the eMI System to the                      warranties or terms that might be implied by statute or otherwise
        Bank’s customers.                                                                     (including those as to satisfactory quality, merchantability or fitness
                                                                                              for any particular purpose of the eMI System) are hereby excluded.
        (d) The Customer is only permitted to use the information and material     15.    Changes
             obtained from the eMI System for lawful reasonable business           15.1   The Bank may unilaterally change any of these terms by notifying the
             purposes. The Customer shall ensure that it complies with all laws           Customer at least 2 months before the change is due to take effect.
             and regulations relating to the use of the eMI System.                       The change will automatically take effect and the Customer will be
7.8     Suspension                                                                        deemed to have accepted the notified change unless the Customer
        From time to time the Bank may suspend or withdraw the eMI System                 notifies the Bank that it does not agree to the change. In that event,
        (1) where MasterCard suspend or withdraw the eMI System for any                   the Bank will treat that notice as notification that the Customer wishes
        reason (2) for reasonable maintenance purposes, (3) where the Bank                to immediately terminate the Agreement.
        suspects a breach of security might have occurred in relation to the       15.2   The Bank may apply changes to the Bank’s exchange rate or the payment
        eMI System or the Customer or (4) for any other reason where the                  scheme’s exchange rate (as applicable) immediately. The Bank may also
        Bank reasonably considers it necessary to do so. The Bank will use                make changes which are more favourable to Customers immediately
        reasonable efforts to provide the Customer with reasonable notice prior           and without any notification.
        to the suspension or withdrawal.
                                                                                   16.    Notices
8.      Termination                                                                16.1   All notices and other communications must be in writing in English
8.1     The Agreement will continue indefinitely unless terminated. The Bank              unless expressly permitted to be oral under this Agreement or by
        may terminate the Agreement for any reason by giving the Customer at              statute.
        least 2 months’ notice. The Customer may terminate the Agreement by        16.2   The Bank may deliver a notice or communication to the Business at the
        giving the Bank at least 1 month’s notice.                                        contact details last known to the Bank, the Business’ registered office
8.2     If the Customer is in material breach of the Agreement, the Bank shall            or electronically where the parties agree.
        be entitled to terminate the Agreement with immediate effect on giving     16.3   A notice or communication by the Bank will be effective at the time
        written notice to the Customer.                                                   of personal delivery or when an electronic message is sent; on the
8.3     The Bank provides the eMI System to the Customer under licence from               second Business Day after posting; or, if by fax, at the time of sending,
        MasterCard. In the event that the agreement between MasterCard and                if sent before 6.00pm on a Business Day, or otherwise on the next
        the Bank granting such licence is terminated for any reason then the              Business Day.
        Customer’s right and licence to use the eMI System shall automatically     16.4   Unless the Bank agrees otherwise, a notice from the Business to the
        terminate with immediate effect (although the Bank shall promptly                 Bank must be in writing addressed to The Royal Bank of Scotland plc,
        notify the Customer of such termination) and the eMI System shall be              Commercial Cards Division, Cards Customer Services, PO Box 5747,
        suspended immediately in accordance with Term 7.8.                                Southend-on-Sea SS1 9AJ and will be effective on receipt.

9.      Consequences of Termination                                                17.    Law and Jurisdiction
9.1     On termination of the Agreement:                                                  These BusinessOne General Terms and the Agreement are concluded
9.1.1   any balance, interest and outstanding fees on each Account will be                in English and shall be governed by and construed in accordance with
        immediately payable. Where Annual Card Fees have been applied to                  English law and each party agrees to submit to the non-exclusive
        the Account or Business Account within the year prior to the date of              jurisdiction of the English courts as regards any claim or matter arising
        termination, those fees will be pro–rated to the date of termination and          under the Agreement. Notwithstanding the above, if the address given
        the Business Account will be credited with the proportion of the amount           for the Customer in the application form is situated in Scotland then the
        that corresponds to the period after the date of termination.                     Agreement shall be governed and construed in accordance with Scots
        In the event that any sums are not paid in full, interest and fees will           law and the Bank and the Customer both agree to submit to the non-
        continue to accrue at the contractual rate or amounts notified to you             exclusive jurisdiction of the Scottish Courts.
        under the terms of this Agreement which terms will continue in effect
        notwithstanding the termination.                                           p      Your information
9.1.2   all cards will be cancelled.                                               18.    Who we are
9.1.3   the Customer remains liable for all transactions authorised prior to the   18.1   Your account is with The Royal Bank of Scotland. We are authorised
        date of termination or the result of continued use of the card. The               and regulated by the Financial Services Authority as a bank and
        Customer must also pay any interest and fees which are applied to the             insurance mediator. Authorised number 121882. We are also licensed
        Business Account after the date of termination.                                   by the Office of Fair Trading for consumer credit activities. Licence
9.2     Termination of the Agreement will not affect:                                     number 176720.
9.2.1   the rights of either party accrued to the date of termination;             18.2   We are a member of The Royal Bank of Scotland Group (the Group).
9.2.2   any terms that apply to any outstanding balance, including interest               For information about our group of companies please visit www.rbs.com
        or fees payable under the terms of this Agreement.                                and click on ‘About Us’, or for similar enquiries please telephone
                                                                                          0845 300 8460 or Minicom 1800 201 733.
10.    Exclusions and Limitation of Liability
10.1 The Bank is not liable for loss arising from:                                 19.    Your electronic information
10.1.1 any cause which results from abnormal and unforeseeable                            If you contact us electronically, we may collect your electronic identifier,
       circumstances beyond the Bank’s control, the consequences of which                 (e.g. Internet Protocol (IP) address or telephone number) supplied by
       would have been unavoidable despite all efforts to the contrary; or                your service provider.
10.1.2 the Bank’s compliance with legal or regulatory requirements; or
10.1.3 loss or corruption of data unless caused by the Bank’s negligence           20.    How we use your information and who we share it with
       or willful default.                                                         20.1   Your information comprises all the details we hold about you and your
10.2 The Bank is not liable for:                                                          transactions, and includes information obtained from third parties.
10.2.1 business interruption, loss of revenue, goodwill, opportunity or            20.2   We may use and share your information with other members of the
       anticipated savings.                                                               Group to help us and them:
10.2.2 any indirect or consequential loss.                                                • assess financial and insurance risks;
10.3 Except as set out in the Agreement, the parties have not relied on and               • recover debt;
       do not have any rights against each other in relation to any oral or               • prevent and detect crime;
       written representation, warranty or collateral contract made before the            • understand our customers’ requirements;
       date of the Agreement in relation to BusinessOne.                                  • develop and test products and services.
10.4 Nothing in the Agreement excludes liability for fraudulent                    20.3   We do not disclose your information to anyone outside the Group except:
       misrepresentation, death or personal injury.                                       • where we have your permission; or
10.5 The Bank’s liability to the Customer relating to, under and/or arising out           • where we are required or permitted to do so by law; or
       of or in connection with the eMI System shall, in aggregate, in respect            • to credit reference and fraud prevention agencies and other
       of any claim, or series of connected claims arising out of the same                  companies that provide a service to us or you; or
       cause in any calendar year, not exceed the aggregate of the annual                 • where we may transfer rights and obligations under this agreement.
       card fees paid by the Customer in the 12 month period immediately           20.4   We may transfer your information to other countries on the basis that
       preceding the claim (or the first claim in a series of connected claims).          anyone to whom we pass it provides an adequate level of protection.
                                                                                          However, such information may be accessed by law enforcement
11.     Financial Information                                                             agencies and other authorities to prevent and detect crime and comply
        The Customer will promptly provide any information regarding the                  with legal obligations.
        Customer’s financial condition and business as the Bank reasonably         20.5   From time to time we may change the way we use your information.
        requests, including audited financial statements.                                 Where we believe you may not reasonably expect such a change we
                                                                                          shall write to you. If you do not object to the change within 60 days,
12.     Transfers                                                                         you consent to that change.
12.1    The Bank may allow any person to take over any of its rights and           20.6   If you would like a copy of the information we hold about you, please
        duties under the Agreement. The Customer authorises the Bank to                   write to: The Royal Bank of Scotland plc, Commercial Cards Division,
        give that person or its agent any financial or other information about            Cards Customer Services, PO Box 5747, Southend-on-Sea SS1 9AJ.
        the Customer. References to the Bank in the Agreement include                     A fee may be payable.
        its successors.
12.2    The Customer may not transfer the benefit of the Agreement.                21.    p Credit reference agencies
                                                                                   21.1   We may make periodic searches at credit reference agencies and will
13.     Non-waiver                                                                        provide information to the Group to manage and take decisions about
        If the Bank waives any of its rights under the Agreement, it does not             your accounts. This may include information about how you manage your
        mean the Bank will waive that right in future.                                    account including your account balance, credit limit and any arrears.
                                                                                          We will also provide this information to credit reference agencies who
14.     Severability                                                                      may make this information available to other organisations so that they
        If any of the Terms is held to be unlawful or unenforceable, it will be           can take decisions about you, your associates and members of your
        severed from the remaining Terms which will continue in full effect.              household. The information may also be used for tracing purposes.
22.    p Fraud prevention agencies
22.1   If false or inaccurate information is provided and fraud is identified or
       suspected, details may be passed to fraud prevention agencies. Law
       enforcement agencies may access and use this information. We and
       other organisations may also access and use this information to
       prevent fraud and money laundering, for example when:
       • checking applications for, and managing credit or other facilities and
         recovering debt;
       • checking insurance proposals and claims;
       • checking details of job applicants and employees.
       We, and other organisations that may access and use information
       recorded by fraud prevention agencies, may do so from other countries.
22.2   We can provide the names and addresses of the credit reference and
       fraud prevention agencies we use if you would like a copy of your
       information held by them. Please contact The Royal Bank of Scotland
       plc, Commercial Cards Division, Cards Customer Services, PO Box
       5747, Southend-on-Sea SS1 9AJ. The agencies may charge a fee.

23.    Regulatory Information
23.1   We are a member of the Financial Services Compensation Scheme.
       The Scheme can pay compensation to customers if a regulated firm
       is unable to pay claims against it, usually if the firm stops trading or
       is insolvent. For further information on the conditions governing
       compensation and details on how to apply, please refer to the FSCS
       at www.fscs.org.uk
23.2   If you are not satisfied with any of our products or services, we have a
       complaint handling procedure which you can use to resolve such matters.
       You may request a leaflet giving details of the procedure from any
       branch or from your Business Manager.
23.3   We are a member of The Financial Ombudsman Service. If you are
       still not satisfied after following our complaint handling procedures,
       you may be able to ask the Ombudsman to review the complaint.
23.4   You can find out more about The Financial Ombudsman Service in
       a leaflet available from any branch or your Relationship Manager.
       Alternatively, you can write to Financial Ombudsman Service,
       South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone
       0845 080 1800.




                                                                                   RBS/B1/0111
                                                                                   BE
                                                                   SummARy BOx
           The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
 Cash Advance APR           47.6% BusinessOne
 (Variable)                 54.4% BusinessOne Premium
                            based on £1,200 drawn each month for a year and comprising charges mentioned below and repayment in accordance
                            with the terms of the agreement

 Allocation of              Direct Debit will clear balance at end of month. Payments received by the Bank are applied to the transactions or items
 Payments                   applied to the Business Account first towards transactions shown on a statement and then to those not yet shown on a
                            statement in the following order: towards any charges and interest on the Business Account and then to other amounts
                            due from the Customer (see Term 4.6)

 Credit Limit               Minimum: £500
                            Maximum: subject to status

 Fees                       Annual Card Fee which will normally be:
                            BusinessOne:                 £35
                            BusinessOne Premium: £79
                            For further details, please refer to your BusinessOne Terms

 Charges                    Interest on the outstanding balance (except on Default charges) if unpaid by the due date at a rate equivalent to 1.6%
                            per month (19.2% p.a.) until paid in full
                            Cash advances: 3% (min £3)
                            Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.95%
                            For further details, please refer to your BusinessOne Terms

 Default Charges            Late payment fee: £12
                            Returned payment fee: £12




The Direct Debit Guarantee
   T
•	 	 his	Guarantee	is	offered	by	all	banks	and	building		
   societies	that	accept	instructions	to	pay	Direct	Debits.
   I
•	 	f	there	are	any	changes	to	the	amount,	date	or	frequency	of	your	Direct	Debit	
   The	Royal	Bank	of	Scotland	plc	will	notify	you	3	working	days	in	advance	of		
   your	account	being	debited	or	as	otherwise	agreed.	If	you	request	The	Royal	
   Bank	of	Scotland	plc	to	collect	a	payment,	confirmation	of	the	amount	and	
   date	will	be	given	to	you	at	the	time	of	the	request.
   I
•	 	f	an	error	is	made	in	the	payment	of	your	Direct	Debit	by	The	Royal	Bank	
   of	Scotland	plc	or	your	bank	or	building	society	you	are	entitled	to	a	full	and	
   immediate	refund	of	the	amount	paid	from	your	bank	or	building	society.
   I
•	 	f	you	receive	a	refund	you	are	not	entitled	to,	you	must	pay	it	back	when	The	
   Royal	Bank	of	Scotland	plc	asks	you	to.
   Y
•	 	 ou	can	cancel	a	Direct	Debit	at	any	time	by	simply	contacting	your	bank	or	
   building	society.	Written	confirmation	may	be	required.	Please	also	notify	us.
Your Insurance Policies                                                                  Employee Misuse Insurance
                                                                                         Statement of Demands and Needs
                                                                                         We have not provided you with a personal recommendation as to whether this
Commercial Card Protection                                                               policy is suitable for your specific needs. This product meets the demands and
                                                                                         needs of those who wish to receive Employee Misuse coverage as described in
Statement of Demands and Needs
                                                                                         the Policy.
If you do not have insurance cover, which (i) provides emergency cash; and/or
(ii) covers costs incurred through the misuse of your card when they are lost or
                                                                                         Statement of Price
stolen; and/or (iii) enables you to cancel all missing cards in one phone call, this
                                                                                         Royal Bank of Scotland Employee Misuse Insurance is provided with your card for
Commercial Card Protection Policy or Card Protection Plus Policy will meet your
                                                                                         no extra cost.
needs. You will not receive advice on whether this is suitable for your needs; you
should make your own choice whether this is suitable.

Statement of Price                                                                       Your Policy Summary
RBS Commercial Card Protection Insurance is provided with your cards for £50             This document provides a summary only of the benefits and limitations of The
(for up to 15 cards) or £15 per year per card (for Limited Liability Partnerships,       Royal Bank of Scotland Employee Misuse Insurance provided to companies that
Limited Companies and Partnerships). RBS Card Protection Plus Insurance is               have established a Commercial Card account with The Royal Bank of Scotland
provided with your card for £29 per year per card (for Sole Traders).                    plc. It has been prepared in accordance with format requirements prescribed by
                                                                                         the FSA. The full terms and conditions of cover are set out in the Policy document
                                                                                         in this booklet, and may be viewed on request. You are encouraged to read the
                                                                                         Policy document (s) prior to policy commencement in order to understand fully all
Your Policy Summary
                                                                                         conditions and exclusions which relate to this cover.
Commercial Card Protection and Card Protection Plus
This is a summary of cover only. Full terms and conditions are included in a policy
                                                                                         In the event of a cardholding employee of your company misusing their
pack sent on acceptance of your application. Terms are also provided at each
                                                                                         Royal Bank of Scotland business card, the insurance automatically protects
policy renewal.
                                                                                         The Royal Bank of Scotland and you by way of liability waiver, against losses up
                                                                                         to £1,000,000 per company and £15,000 per cardholder during the period of
The Insurer
                                                                                         insurance. There is a smaller limit of £600 for misuse involving cash. The period
Commercial Card Protection and Card Protection Plus are provided by Card
                                                                                         of waiver is 75 days prior to the discovery date of the loss by your company and
Protection Plan Limited (“CPP”), which arranges cover with the insurer, ACE
                                                                                         14 days after this date. The cover is provided by certain underwriters at Lloyd’s of
European Group Limited.
                                                                                         London, and covers The Royal Bank of Scotland Group and you by liability waiver.
                                                                                         The policy contains a cancellation clause which can result in the termination of
About Commercial Card Protection and Card Protection Plus
                                                                                         the cover to The Royal Bank of Scotland plc in 90 days. Should a cancellation
These policies provide insurance cover against unauthorised use of your credit
                                                                                         notice be issued to The Royal Bank of Scotland plc, they are obliged to notify you
and bank cards if these are lost or stolen, plus a loss reporting service so that
                                                                                         immediately. The underwriters will not be liable for loss of interest or consequential
missing cards are promptly cancelled. You can also receive an emergency cash
                                                                                         loss of any kind, and cash advances which exceed £200 per day or a maximum
advance if all your cash is lost at the same time as your cards and you are
                                                                                         of £600 in all prior to Termination Date. If you have any questions or concerns
stranded without any other access to money.
                                                                                         about your policy or the handling of a claim you should, in the first instance,
                                                                                         contact Royal Bank of Scotland Commercial Cards, Cards Customer Services,
Policies are for one year. To be eligible for cover, you must be over 18 and live
                                                                                         PO Box 5747, Southend-on-Sea SS1 9AJ. Telephone: 0870 909 3701 Textphone
either in the United Kingdom, Jersey or Guernsey.
                                                                                         0870 154 1192. If you are unable to resolve the situation and wish to make a
                                                                                         complaint you can do so at any time by referring the matter to the Complaints
Principal features
                                                                                         Department (Lloyd’s). Their address is Complaints Department, Lloyd’s, One
•   Worldwide cover against fraudulent card use in the period before and after
                                                                                         Lime Street, London EC3M 7HA. Telephone: 020 7327 5693. Fax: 020 7327 5225.
    you report your missing cards up to certain limits.
                                                                                         email: complaints@lloyds.com.
•   Emergency cash, hotel bill advance and replacement travel ticket advance
    available up to certain limits.
                                                                                         Complaints that cannot be resolved by the Complaints Department may be
•   Replacement cash insurance for cash stolen at the same time as your cards,
                                                                                         referred to the Financial Ombudsman Service. Further details will be provided
    up to certain limits.
                                                                                         at the appropriate stage of the complaints process. You may be entitled to
•   (Card Protection Plus only) Up to £500 cover for replacing locks and keys if
                                                                                         compensation from the Financial Services Compensation Scheme should the
    your keys are lost, stolen, locked in or stuck in a lock. Includes car hire/travel
                                                                                         underwriters be unable to meet their liabilities under this policy.
    expenses, costs of vehicle immobilisers or alarms being reset and costs of
    replacing vehicle infrared handsets.
•   (Card Protection Plus only) Covers you and up to four other people living at         Travel Accident Insurance – at no extra cost
    your address.
                                                                                         Statement of Demands and Needs
                                                                                         We have not provided you with a personal recommendation as to whether this
Conditions and Exclusions
                                                                                         policy is suitable for your specific needs. This product meets the demands and
These are the most important conditions and exclusions only. Full details of all
                                                                                         needs of those who wish to receive Travel Accident Insurance coverage as
conditions and exclusions are listed in the policy document. You should refer to
                                                                                         described in the Policy.
this if you want to decide if there are other conditions and exclusions that may be
important to you.
                                                                                         Statement of Price
•   Card loss must be reported to CPP within 24 hours of discovery (policy               RBS Travel Accident Insurance is provided with your Business Card and
    section A1)                                                                          BusinessOne Card for no extra cost.
•   Unauthorised card use cover is not available if you use your card in a way
    that your card issuer does not allow or if someone else at your home uses
    your card without permission (policy section A2)
•   We will not pay more than the first £50 of any claim if your card has been           Your Policy Summary
    retained by an automated telling machine (ATM) (section B1)                          This summary does not contain the full Terms and Conditions of cover. These are
•   You must be away from home when your cards are lost or stolen to be eligible         set out in the Policy Document. Travel Accident Insurance is underwritten by ACE
    for replacement travel ticket and emergency cash advances (sections B9               European Group Limited Registered in England Number 1112892, Head Office
    and B8). Hotel bill payment only available if you are abroad when cards go           100 Leadenhall Street London, EC3A 3BP, which is authorised and regulated by
    missing (section B4).                                                                the Financial Services Authority, registration number FRN202803. Full details can
•   To be eligible for cash advances and payments, you must apply for these              be found on the FSA’s Register by visiting http://www.fsa.gov.uk/pages/register or
    within 48 hours of notifying us of your card loss. Loans subject to status and       by contacting the FSA on 0300 500 5000.
    repayable within 28 days (sections B4, B8, B9).
•   (Card Protection Plus only) Car hire or travel expenses cover available for          Significant Features and Benefits
    three days’ expenses only, which must be agreed in advance by CPP when               Up to a maximum of £50,000 per person will be payable to you, your partner or
    your report the loss and before these costs are incurred (section B2).               your dependent children under age 23 in the event of their suffering accidental
•   (Card Protection Plus only) Maximum one claim per year for costs of                  death (limited to £3,000 for children) or permanent disability as defined in the
    reprogramming or resetting vehicle immobilisers and alarms (section B2).             Policy Document whilst travelling on licensed public transport or in a hired car.

Cancellation                                                                             Duration of Cover
You have a statutory 14 day right to cancel with a full premium refund. This also        Cover begins as soon as the Employing Company’s application for the Business
applies when your policy is renewed. To cancel, please call 0844 848 1546. If you        Card or the BusinessOne Card has been accepted by Royal Bank of Scotland.
cancel outside this 14 day period, no refund of your premium will be made.               Cover continues automatically as long as i) the Employing Company maintains the
                                                                                         RBS Business Card or Business One Card Account: ii) the Cardholder remains an
Complaints and Claims                                                                    employee of the Company; and iii) the insurance continues to be placed with ACE.
If you are unhappy with your policy or if you need to make a claim, please               As this insurance may continue for more than a year the Cardholder should review
telephone 0844 848 1546. If you remain unhappy following a complaint, you may            it periodically to ensure that cover remains adequate.
be able to refer to the Financial Ombudsman Service (0845 080 1800). If you
need to make a claim, we will tell you what to do and what documents you must            Significant or unusual exclusions or limits (see page 27 for full list of exclusions)
send us.                                                                                 a. whilst under the influence of intoxicating liquor or drugs.
                                                                                         b. sickness or disease not directly resulting from Bodily Injury.
Consumer Protection                                                                      c. Repetitive Stress (Strain) Injury or Syndrome or any gradually operating cause.
CPP and ACE are members of the Financial Services Compensation Scheme so                 d. Post Traumatic Stress Disorder or any psychological or psychiatric condition.
you may be entitled to compensation if we cannot meet our obligations. Insurance         e. any pre-existing physical defect or infirmity.
advising and arranging is covered for 90% of the claim without any upper limit.          f.  intentional self-injury or suicide.
g.   engaging in any form of Aerial Pursuits or aviation as a pilot or crew member.             summons or impending prosecution. Every communication relating to a claim
h.   active service in the armed forces.                                                        must be sent to us without delay.
i.   war.                                                                                  •    If at the time of any incident which results in any other insurance covering
                                                                                                the same costs, loss, damage or liability or any part of such we will pay our
Cancellation:                                                                                   rateable portion of the claim except under Sections H, I, J and where we will
The Employing Company may cancel this insurance at any time by contacting                       pay the full claim subject to the policy limits.
ACE’s Customer Service Team on 0800 783 9071.                                              •    From time to time it might be necessary to alter your policy. When this situation
                                                                                                arises you will be advised accordingly. Any such alteration will only apply to
How to Claim                                                                                    trips booked by you from the time of receipt of that advice.
If a claim needs to be made, ACE’s Claims Service Team needs to be notified                •    It is a condition of this insurance that all material facts (e.g. criminal
within 60 days of the accident, or as soon as possible after that. ACE will then ask            convictions, possible participation in hazardous activities, medical conditions)
for a claim form to be filled in to register the claim.                                         have been disclosed to us. Failure to do so may invalidate this insurance
                                                                                                leaving you no right to make a claim.
ACE’s contact details are:
Claims Department, Postal address: Broomielaw, Glasgow G1 4RU                              Exclusions
Telephone: 0845 841 0056                                                                   This policy excludes any claim arising from:
International: + 44 (0) 141 285 2999                                                       •    Any consequence of war, invasion, act of foreign enemy, hostilities (whether
Facsimile: 01293 597376                                                                         war be declared or not), civil war, rebellion, revolution, insurrection or military
E-mail ah.claims@acegroup.com                                                                   or usurped power. Terrorism/a terrorist act. This section does not apply
                                                                                                to section B Personal Accident or to section E – Medical and Emergency
Complaints Procedures                                                                           Expenses except where nuclear, chemical or biological weapons/agents are
ACE is dedicated to providing a high quality service and wants to maintain this at              used.
all times. If it is felt that a first class service has not been offered or a complaint    •    Death, injury, illness or disablement resulting from suicide, attempted suicide
must be made regarding this insurance ACE should be contacted at the following                  or wilful exposure to danger (except in an attempt to save human life).
address. ACE Customer Service Manager; 200 Broomielaw, Glasgow G1 4RU;                     •    Death, injury, illness, or disablement resulting from the influence of intoxicating
Telephone: 0800 169 2431; Fax: 01293 597 376;                                                   liquor or drugs (other than drugs taken under medical supervision and not for
e-mail: A&Hcustserv.complaints@acegroup.com.                                                    the treatment of drug addiction).
                                                                                           •    A medical condition of a close relative, travelling companion or business
The Financial Ombudsman Service may be approached for assistance if the                         associate (whether they are travelling or not) who:
Insured Person is dissatisfied with ACE’s final response. Its contact details are:              – has been a hospital inpatient in the past 12 months or been put on a waiting
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London                          list for hospital treatment; or
E14 9SR, Telephone: 0845 0801 800, Fax: 020 7964 1001,                                          – has been diagnosed with or had cancer in the past year.
e-mail: enquiries@financial-ombudsman.org.uk
Web Site: www.financial-ombudsman.org.uk                                                   Sections of Cover
                                                                                           Baggage Section A
The existence of these complaint procedures does not reduce an Insured                     a)   Sum Insured up to £1,500 per insured person
Person’s Statutory Rights relating to this Policy. For further information about                Single Article Limit £250
Statutory Rights the Insured Person should contact the Office of Fair Trading                   Valuables Limit up to £400 per person
or Citizens Advice Bureau.                                                                 b)   Business Equipment and Samples £3,000
                                                                                                Single Article Limit £1,000
Financial Services Compensation Scheme                                                          Hiring Equipment £500
In the unlikely event that ACE is unable to meet its liabilities the Policyholder may      c)   Temporary Delay up to £500
be entitled to compensation under the Financial Services Compensation Scheme
(FSCS). Their contact details are: Financial Services Compensation Scheme,                 Claims Conditions
7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.                                In addition to anything mentioned in the general conditions, in order for your claim
                                                                                           to be considered you must:
                                                                                           •    Obtain a property irregularity report from the carriers within three days of the
BusinessOne Premium Card Worldwide Travel Cover                                                 incident or where you have reported the loss to the Police authorities in the
                                                                                                country where the loss occurred within 24 hours of discovery and obtain a
Statement of Demands and Needs
                                                                                                copy of the report.
The Business Premium & BusinessOne Premium Card Travel Insurance policy
                                                                                           •    Provide us with receipts for the items you are claiming for to substantiate
meets the demands and needs of Premium Card customers who wish to ensure
                                                                                                your claim.
that travel insurance exists for your business trip. We are not making a personal
recommendation based on your individual circumstances that the policy is suitable
                                                                                           Exclusions (What you are not covered for)
for your needs and we recommend that you read this summary and the policy
                                                                                           In addition to anything mentioned in the general exclusions, we will not pay for
wording carefully.
                                                                                           loss, damage, theft or destruction of:
                                                                                           •    Valuables left in luggage whilst in transit and outside the control of the
Statement of Price
                                                                                                insured person.
RBS Business Premium & BusinessOne Premium Card Worldwide Travel Cover is
                                                                                           •    Valuables & Personal possessions which are kept in your locked personal
provided with your Premium Card at no extra cost.
                                                                                                accommodation or safety deposit box and force and violence has not
                                                                                                been used to gain entry to your locked personal accommodation or safety
                                                                                                deposit box;
Your Policy Summary                                                                        •    Sports equipment and accessories whilst in use;
This summary does not contain the full Terms and Conditions of cover.                      •    Ski equipment and Golf equipment;
These are set out in the Policy Document.                                                  •    Pedal cycles, motor vehicles, caravans, trailers, camping equipment or parts
                                                                                                or accessories of any of them, or household goods, musical instruments,
This document does not form part of the contract between us. You may need to                    antiques, pictures and wheelchairs.
review this cover periodically to ensure it remain adequate for your needs.
                                                                                           Claims Settlement
Features of a Business Premium and BusinessOne PremiumCard Travel                          •   We will make a deduction for wear and tear for claims for clothing, including
Insurance Policy                                                                               sports clothing.
This policy is underwritten by UK Insurance Limited and cover comes into force             •   We will deduct an excess of £50 under part A of this section.
from the date you book your first trip after opening your Business Premium or
BusinessOne Premium Card. Cover continues on the understanding that you                    Personal Accident Section B
remain a Premium Cardholder and ceases immediately on closure of your Card.                Item 1 Death where you are aged:
UK Insurance Limited (UKI), registered no. 1179980, registered address: The                a) Under 18 years £2,000
Wharf, Neville Street, Leeds LS1 4AZ. UKI is authorised and registered by the              b) 18 years and over £100,000
Financial Services Authority.                                                              Item 2 Loss of Limb £100,000
                                                                                           Item 3 Loss of Sight £100,000
The maximum trip limit is 90 days; there is no cover for any trips involving               Item 4 Total Permanent Disablement £100,000
Winter Sports.
You must be a UK resident for this insurance to apply.                                     Exclusions (What you are not covered for)
                                                                                           In addition to anything in the general exclusions, we will not pay any claim, which
This insurance allows all Premium cardholders and up to 3 business colleagues              arises from or is in connection with:
travelling with the cardholder access to the benefits describe within this policy.         •    Any sickness or disease, naturally occurring or degenerative condition.
Only the cardholder can travel alone and be covered by this insurance.                     •    A pre-existing medical condition, unless declared and accepted by us.

Significant exclusions and limitations                                                     Claims Settlement
General Conditions and Exclusions                                                          If, you die intestate, we will not issue a settlement cheque until the executors have
                                                                                           been appointed.
The following conditions and exclusions apply to all the sections of the policy wording.
                                                                                           Cancellation Section C
Conditions                                                                                 We will reimburse up to £5,000 per insured person, for journey deposits and costs,
•  Within 60 days of returning from your trip or the date you cancelled your               which you cannot recover from any other source and this is due to:
   trip, you must notify us in writing of any bodily injury, illness, incident or          •   Death or serious injury or illness to you.
   unemployment or on discovery of any loss or damage which may give rise                  •   You being made unemployed or redundant.
   claim under this policy. You must also inform us if you aware of any writ,
•   The Foreign and Commonwealth Office advising against ‘All travel’ to your            •    Not awaiting medical treatment or investigations or tests prior to booking the
    intended destination.                                                                     journey or before becoming an account holder.
                                                                                         •    Advising us of any change in your health or circumstances before making
Claims Conditions                                                                             any new travel arrangements, allowing us to confirm in writing that cover is
In addition to anything mentioned in the general conditions, we will only pay:                still applicable.
•    For travel and accommodation expenses, which you have pre-paid or
     contracted to pay, at the time you realise a claim may be made.                     Exclusions (What you are not covered for)
•    Claims that are a result of an accident or illness, when a medical practitioner     In addition to anything mentioned in the general exclusions, we will not pay:
     confirms in writing that cancellation is medically necessary.                       •    Any expenses incurred 12 months after the original injury.
                                                                                         •    Any payment in respect of medical treatment obtained in the UK.
Exclusions (What you are not covered for)                                                •    Claims for treatment or repatriation that are not confirmed as being necessary
In addition to anything mentioned in the general exclusions, we will not pay for              by our medical adviser.
claims, which are a result of:                                                           •    Claims which arise from a pre-existing medical condition, unless declared
•    Strikes or industrial action existing or notified by declaration of intent, at or        and accepted by us.
     prior to the date of booking your journey.                                          •    Any claims which arise from you failing to take medication, which you knew
•    Your disinclination to travel or continue your journey.                                  was required or to be continued on your journey.
•    Failure of the tour operator or any provider of transport or accommodation          •    For treatment for dental work which is not to relieve immediate pain only.
     to fulfil the journey booking.                                                      •    An anticipated event or any treatment or help where, given your physical
•    Adverse weather conditions.                                                              or mental condition, you should not have travelled or it would have been
•    Anyone upon whom the journey depends receiving a terminal prognosis prior                reasonable for you to have consulted your medical practitioner, prior to you
     to the journey being booked or the insurance being taken out.                            booking or taking the trip, about whether or not it was appropriate for you
•    A pre-existing medical condition, unless declared and accepted by us                     to travel.
•    A medical condition of a member of your immediate family, travelling
     companion or business associate (whether they are travelling or not) who:           Claims Settlement
     – has been a hospital inpatient in the past 12 months or been put on a              •   You must provide us with all documentation reasonably necessary in support
        waiting list for hospital treatment; or                                              of your claim.
     – has been diagnosed with or had cancer in the past year.                           •   We will deduct an excess of £50 from outpatient claims.

Claims Settlement                                                                        Personal Liability Section F
•   You must provide us with all documentation reasonably necessary in support           We will pay all sums up to £2,000,000 per policy, which you become legally
    of your claim.                                                                       liable to pay for death or bodily injury to any person or loss of or damage to
•   We will deduct an excess of £50.                                                     their property.

Curtailment of a Journey Section D                                                       Claims Conditions
We will reimburse up to £5,000 per insured person, for unused travel and                 •   You must forward any correspondence onto us, which you receive from the
accommodation expenses, which you cannot recover from any other source                       third party in connection with any incident, which could cause a claim under
following curtailment of a journey, due to:                                                  this insurance.

•   Death or serious injury or illness to you, a companion upon whom your travel         Exclusions (What you are not covered for)
    depends, a member of your immediate family, a business partner all resident          We will not pay any claim, which arises from:
    in the country of residence or a relative or friend in whose home you are            •   Death or bodily injury to your:
    intending to stay.                                                                       – Employees;
•   You or a travelling companion being required to return home following a                  – Family;
    serious burglary, fire, storm or flood at your home address or usual place               – Travelling companion/s.
    of business in the country of residence, which occurs during the journey.            •   Trade, employment, business or profession of any of you.
•   We will also provide cover for additional travel expenses needed to return           •   Ownership, possession or use of any animal, firearms, mechanically propelled
    you to the country of residence, which have been authorised by the                       vehicles, vessels (other than manually propelled water craft) or aircraft of any
    assistance service.                                                                      description.
                                                                                         •   You acting as a leader of a group participating in any activity whether
Claims Conditions                                                                            hazardous or not.
In addition to anything mentioned in the general conditions, we will only pay:
•    Claims that are a result of an accident or illness, when a medical practitioner     Claims Settlement
     confirms in writing that curtailment is medically necessary.                        •   We will deduct an excess of £100 for claims for loss or damage to property.
•    Refunds for curtailment, which have been calculated, based on the number
     of complete days lost by you returning early to the UK.                             Personal Money Section G
                                                                                         £500 sum insured per insured person. This cover also applies for 72 hours prior
Exclusions (What you are not covered for)                                                to you leaving on your journey.
In addition to anything mentioned in the general exclusions, we will not pay for
claims which are a result of:                                                            Claims Conditions
•    Government regulations, excluding where the UK FCO advise against                   In order for your claim to be considered you must:
     ‘All Travel’ to your intended final destination.                                    •    Report any loss to the Police within 24 hours of its discovery and obtain
•    Your disinclination to travel or continue your journey.                                  a police report from them.
•    Adverse weather conditions.                                                         •    Provide us with receipts for the amount of money you are claiming for to
•    A pre-existing medical condition, unless declared and accepted by us.                    substantiate your claim.
•    A medical condition of a member of your immediate family, travelling
     companion or business associate (whether they are travelling or not) who:           Exclusions (What you are not covered for)
     – has been a hospital inpatient in the past 12 months or been put on a              We will not pay for loss, damage, theft or destruction of personal money:
         waiting list for hospital treatment; or                                         •   Left in luggage whilst in transit and outside the control of the insured person;
     – has been diagnosed with or had cancer in the past year.                           •   Outside your control, other than when it is kept in your locked personal
                                                                                             accommodation or safety deposit box as long as force and violence has
Claims Settlement                                                                            been used to gain entry to your locked personal accommodation or safety
•   You must provide us with all documentation reasonably necessary in support               deposit box.
    of your claim.
•   We will deduct an excess of £50.                                                     Claims Settlement
                                                                                         •   We will deduct an excess of £50.
Medical and Emergency Expenses Section E
•   We will pay up to £10,000,000 per insured person towards emergency dental,           Travel Delay and Abandonment Section H
    medical, surgical or hospital treatment which is required whilst you are on a        a)   Delay up to £250 in total
    journey.                                                                             b)   Abandonment up to £5,000 per insured person
•   We will also provide cover for:
    – Up to £5,000 towards the cost of your funeral or cremation in the country in       Claims Conditions
       which death occurs.                                                               •   In order for your claim to be considered the delay must have been announced
    – Up to £2,000 towards the cost of a friend or relative, resident in the country         after you checked in.
       of residence to be brought to, remain with or escort you back to the
       country of residence on advice of our medical adviser.                            Exclusions (What you are not covered for)
    – Up to £1,500 towards a colleague following 3 days hospitalisation.                 We will not pay for claims, which are a result of:
    – Up to £1,500 towards trip extension.                                               •   A strike or any form of industrial action, which had been announced or
                                                                                             commenced before you, purchased the travel tickets, obtained confirmation
Claims Conditions                                                                            of booking or before you departed from your home.
In addition to anything mentioned in the general conditions, payment of claims is
conditional upon you:                                                                    Missed Connections Section I
•    Accepting our decisions concerning the most suitable, practical and                 Up to £250 per insured person for additional accommodation, travel expenses,
     reasonable solution to any medical emergency, including repatriating you if         meals and refreshments.
     our medical adviser confirms you are fit to return to your country of residence.
•    Contacting the assistance service as soon as possible after an incident
     arises (where costs are likely to be greater than £500) to obtain authorisation
     for treatment or repatriation to take place.
Exclusions (What are you not covered for)
In addition to anything mentioned in the general exclusions, we will not pay for       UK Insurance Limited is authorised and regulated by the Financial Services
claims which are a result of:                                                          Authority. The Financial Services Authority website which includes a register of
A strike or any form of industrial action which had been announced or                  all regulated firms can be visited at www.fsa.gov.uk/pages/register (UK Insurance
commenced before you purchased the travel tickets, obtained confirmation of            Ltd, FSA registration number: 202810) or the Financial Services Authority can be
booking or before you departed from your home address.                                 contacted on 0300 500 5000.

Failure of Public Transport Section J                                                  General
Up to £250 per insured person for additional accommodation, travel expenses,           This policy shall be governed and construed in accordance with the law of
meals or refreshments.                                                                 England and Wales and the English Courts alone shall have jurisdiction in
                                                                                       any dispute.
Exclusions (What you are not covered for)
•   We will not pay for claims, which are a result of missed departure claims due
    to road traffic congestion or road closures where you have not left reasonable
                                                                                       Car Breakdown Cover
    time to reach your departure point on time or are not travelling by scheduled      Statement of Demands and Needs
    public transport.                                                                  We have not provided you with a personal recommendation as to whether this
                                                                                       policy is suitable for your specific needs and it is your responsibility to make sure
Loss of Passport/Driving Licence Section K                                             that the policy is right for you.
Up to £750 per insured person if your passport or driving licence is destroyed,
lost or stolen abroad for additional accommodation and travel expenses whilst          This product meets the needs of those who wish to ensure that their specific
you obtain necessary documentation to re-enter your country of residence.              Rescue requirements are covered.

Claims Conditions                                                                      Statement of Price
In addition to anything mentioned in the general conditions, in order for your claim   RBS Business Premium and BusinessOne Premium Card Car Breakdown Cover is
to be considered you must:                                                             provided with your Premium Card at no extra cost.
Report the incident to the police in the country where the loss occurred within
24 hours and obtain a copy of the police report.

Exclusions (What you are not covered for)                                              Your Policy Summary
In addition to anything mentioned in the general exclusions, we will not pay for       Please read this document carefully. This policy summary does not form part of
claims which are a result of:                                                          the contract between us. Full terms and conditions can be found within the ‘Your
1. Any destruction, loss or theft which occurred prior to the start date of your       Insurance Policies’ Booklet provided with your welcome letter.
     journey abroad.
2. Any costs incurred in replacing the passport or driving licence.                    Features of a Car Breakdown Cover Policy
                                                                                       The policy you have purchased is underwritten by UK Insurance Limited and could
                                                                                       run from the start date of your Business Premium/BusinessOne Premium Card.
Hospital Benefit Section L                                                             As this policy could run for several years you may want to review your insurance
We will pay £50 for each complete day spent in hospital, the maximum payable
                                                                                       needs periodically to ensure that the policy is adequate.
per insured person is £400.
                                                                                       Significant Features of a Car Breakdown Cover Policy
Exclusions (What you are not covered for)
                                                                                       Green Flag provides the breakdown service.
We will not pay any claim:
                                                                                       Your policy covers your car or anyone driving with your permission.
Under this section, when we have not provided cover under section E – Medical
and Emergency Expenses.
                                                                                       You can claim £10 if not attended within 60 minutes – General Condition 14
                                                                                       10 mile Recovery – Roadside Assistance Section
Legal Expenses Section M                                                               30 minutes Roadside Assistance –Roadside Assistance Section
Up to £50,000 for legal costs to help you claim damages or compensation. Up to         Assistance within 1/4 mile of your home address – Home-call Section
£250 for the first consultation that you arrange with a local solicitor.               Caravan and Trailer cover – Caravan and Trailer Section
Claims Conditions                                                                      Significant Exclusions or Limitations
You must:                                                                              If the Insured Vehicle is in a position we cannot get to and we need to use
•   If we accept your claim, we or a solicitor we appoint will try to negotiate a      specialist equipment for it’s recovery, you will have to pay extra costs – General
    settlement without having to go to court.                                          Condition 12
•   We can refuse to pay any more legal costs if it is no longer more likely than      We are not responsible for the actions or costs of garages, recovery firms or
    not that you will be successful with your claim.                                   emergency services acting on your instructions or the instructions of anyone
                                                                                       acting for you and cannot be held liable for them – General Condition 18
Exclusions (What you are not covered for)
We will not pay:                                                                       Your right to cancel
•   Any claim you report to us more than 180 days after the date you knew about,       You have the right to cancel this Policy at any time, with immediate effect.
    or should have known about, the incident leading to the claim.                     As the cover is provided as a Benefit of being a Business Premium or
•   Any claim resulting from any illness or injury that develops gradually or is not   BusinessOne Premium cardholder, a cooling off period does not apply and no
    caused by a specific or sudden accident.                                           refund is due. The Car Breakdown Cover section of your benefits package cannot
•   Legal costs and expenses that you have paid or will have to pay before we          be cancelled in isolation, you will also have to cancel your Business Premium or
    have agreed to them.                                                               BusinessOne Premium Card. If the Business Premium or BusinessOne Premium
                                                                                       Card is cancelled, this Policy ends.
Your right to cancel
You have the right to cancel this Policy at any time, with immediate effect.           How to make a claim
As the cover is provided as a Benefit of being a Business Premium or                   To notify us of a claim whilst travelling within the UK, please telephone
BusinessOne Premium cardholder, a cooling off period does not apply and no             0800 068 6720.
refund is due. The Worldwide Travel Cover section of your benefits package
cannot be cancelled in isolation, you will also have to cancel your Business           How to complain
Premium or BusinessOne Premium Card. If the Business Premium or BusinessOne            Should there ever be an occasion where you need to complain, please call us
Premium Card is cancelled, this Policy ends.                                           on 0870 024 0048.
                                                                                       If you wish to write, then address your letter as follows: Customer Relations
How to make a claim                                                                    Department, Green Flag, Green Flag House, Cote Lane, Leeds LS28 5GF        .
To notify us of a claim in the first instance please telephone 08450 260 265.          If we cannot resolve the differences between us, you may refer your complaint to
                                                                                       the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza,
How to complain                                                                        183 Marsh Wall, London E14 9SR, telephone 0845 080 1800.
Should there ever be an occasion where you need to complain, please call us
on 0870 154 1234.                                                                      Details about our Regulator
                                                                                       UK Insurance Limited is authorised and regulated by the Financial Services
If your complaint refers to a claim, please call 08450 260 265 or address your         Authority. The Financial Services Authority website which includes a register of all
letter as follows: UK Insurance Ltd, PO Box 106, 37 Broad Street,                      regulated firms can be visited at www.fsa.gov.uk/pages/register, or the Financial
Bristol BS99 7NQ.                                                                      Services Authority can be contacted on 0300 500 5000.
If we cannot resolve the differences between us, you may refer your complaint to       Under the Financial Services and Markets Act 2000, should the company
the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza,             be unable to meet all its liabilities to policyholders, compensation may be
183 Marsh Wall, London E14 9SR, Telephone 0845 080 1800.                               available. Insurance advising and arranging is covered for 90% of the claim,
                                                                                       without any upper limit. For compulsory classes of insurance, insurance advising
Details about our regulator                                                            and arranging is covered for 100% of the claim, without any upper limit.
Under the Financial Services and Markets Act 2000, should the company                  Information can be obtained on request, or by visiting the Financial Services
be unable to meet all its liabilities to policyholders, compensation may be            Compensation Scheme www.fscs.org.uk.
available. Insurance advising and arranging is covered for 90% of the claim,
without any upper limit. For compulsory classes of insurance, insurance advising
and arranging is covered for 100% of the claim, without any upper limit.
Information can be obtained on request, or by visiting the Financial Services
Compensation Scheme www.fscs.org.uk.
                                        [BANK USE ONLY: TO BE DETACHED AND SENT TO RETAIL CREDIT DOCS]




                                                      BusinessOne Guarantee by Director(s)
THIS IS AN IMPORTANT DOCUMENT. YOU SHOULD TAKE LEGAL ADVICE BEFORE SIGNING. IF YOU SIGN
AND THE BANK IS NOT PAID YOU MAY HAVE TO PAY INSTEAD OF THE CUSTOMER.


 Customer
 (Insert full Company/Limited Liability
 Partnership name and registration number)

 CIN
 (10 digit number beginning with 1)

 Guarantor: (1)
 (Insert full name and address of director)

 Guarantor CIN
 (10 digit numbers beginning with 1)

 Guarantor: (2)
 (Insert full name and address of director)

 Guarantor CIN
 (10 digit numbers beginning with 1)


This Guarantee is given to, The Royal Bank of Scotland plc, Commercial Cards Division, Cards Customer Services, PO Box 5747,
Southend-on-Sea SS1 9AJ, in consideration of credit granted to the Customer under the BusinessOne Charge Card Agreement
(the Agreement).

1. Guarantee
1.1 The Guarantor(s) (jointly and severally) guarantee(s) payment by the Customer of its Obligations up to a Limit of £10,000 and
    agree(s) to pay Interest from the date of a demand for payment by the Bank and all the Bank’s Expenses. The Customer’s
    Obligations are all the Customer’s liabilities to the Bank under the Agreement.
    Interest is payable at the rate(s) charged to the Customer, calculated before and after judgment on a daily basis and
    compounded monthly.
    Expenses are those incurred (on an indemnity basis) in protecting or enforcing any rights under this Guarantee.
1.2 The Guarantor(s) will, on demand, pay to the Bank as principal debtor (with Interest from the date of demand) the amount of
    any of the Customer’s Obligations (up to the Limit) which is unenforceable against the Customer.

2. Preservation of Guarantee
2.1 This Guarantee is and will remain a continuing security even if a Guarantor dies or suffers incapacity. The Guarantor(s) (or their
    personal representatives) may give one month’s notice to discontinue the Guarantee but will remain liable for all the Customer’s
    Obligations at the date of expiry of the notice.
2.2 Without releasing or reducing the Guarantor(s) liability and without any consent, the Bank may:
    2.2.1 grant to the Customer new facilities or credit and increase any rate of interest or charge.
    2.2.2 allow time and enter into, renew, vary or end any arrangements with or liability of the Customer.
    2.2.3 release, renew, vary or refrain from enforcing any security or guarantee held from the Customer or any one else.
    2.2.4 settle with the Customer or release it from liability.
2.3 The Guarantor(s) will remain liable regardless of whether the Customer has the power to borrow and will not be released by
    anything which would not have been a release had the Guarantor(s) been liable as principal debtor(s) instead of as guarantor(s).
2.4 Until all the Customer’s Obligations have been paid:
    2.4.1 the Guarantor(s) may not claim or share any security held by the Bank, or any payment received by the Bank, for the
          Customer’s Obligations.
    2.4.2 the Guarantor(s) will not make any claim against, or in the insolvency of, the Customer or any co-guarantor.
    2.4.3 the Guarantor(s) will not take any security from, or enforce any security against, the Customer or any co-guarantor.
          The Guarantor(s) will hold on trust for the Bank any payment or security received by the Guarantor(s) in breach of
          these provisions.
2.5 The Bank may place any payment received from the Guarantor(s) in a separate account without applying it to the Customer’s
    Obligations. The Bank may keep this arrangement in place for as long as the Bank considers necessary.
3. Preservation of the Bank’s rights
3.1 This Guarantee is in addition to any other guarantee or security present or future held by the Bank in respect of the Customer’s
    Obligations and will not merge with or prejudice other guarantees or security or any of the Bank’s other rights.
3.2 The Guarantee will not be released if the Bank fails to take any intended security or guarantee or if any other security or guarantee
    held by the Bank for the Customer’s Obligations is unenforceable.

4. Notices and Governing law
4.1 Any notice or demand by the Bank may be sent by post or delivered by hand to the Guarantor(s)’ address. The notice or demand
    will be deemed served on the second day after posting.
4.2 This Guarantee is governed by English law.




Signature of Guarantor (1)                Date                         Signature of Guarantor (2)                 Date




 For Business Manager use only
 Business Manager name
 Business Manager contact number
 Business Manager Office


 Portfolio code
                                                                                  BusinessOne
                                           Limited Companies and Limited Liability Partnerships

Please complete all sections in BLOCK CAPITALS and black ink.
Only to be completed by the named contact(s) on the Business Current Account. If you would like to add cards for non-
business owners, please complete the Additional Cardholder form RBS44500
P Your information
For details of how we and others will use your information and how to give your consent, please look for the padlock symbol
below and in the accompanying BusinessOne General Terms or contact 0845 300 8460.
P Credit reference agencies
We may obtain information about you from credit reference agencies and Group records to check your credit status and identity. The
agencies will record our enquiries which may be seen by other companies who make their own credit enquiries. We may use credit scoring.
Your application will be assessed using credit reference agency records relating to anyone with whom you have a joint account
or similar financial association. If this is a joint application and such a link does not already exist then one may be created now.
These links will remain until you file a “notice of disassociation” at the credit reference agencies.
Please note when applying for this card facility we may undertake a search with credit reference agencies, this could impact your
ability to obtain credit elsewhere for a short period of time.
P Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention
agencies. We may also obtain information about you from fraud prevention agencies.
RBS subscribes to the Lending Code. The Code can be found at www.lendingstandardsboard.org.uk

1. Business details
Full limited company or limited liability partnership name



Business name as you wish it to appear on the card (max. 21 characters incl. spaces)



Business address for all correspondence




                                                                                 Postcode

Business telephone number (incl. STD)                                  Email address



Preferred statement date
(Choose any date between 3rd to 28th of each month inclusive)

 DD
Point of contact (title, first name, middle initial, surname)          Security password (memorable word)



The above named point of contact is authorised to sign on the Application Forms and any other documents required by
The Royal Bank of Scotland for the BusinessOne card programme on the Customer’s behalf.

2. Direct Debit
The full monthly payment will be collected by Direct Debit from your business account as detailed
below and subject to the safeguard assured by the Direct Debit guarantee.

Service user number 914623
Name of account (as shown on cheque book)



Branch sort code



Bank account number




RBS/BusOne/LTD/0111
Page 1 of 4
3. Cardholder details
p Keeping you informed
We would like to keep you informed by letter, phone and electronic means (including e-mail and mobile messaging) about
products, services and additional benefits that we believe may be of interest to you. If you don’t want us to do this, please
place a cross in this box. X

p Giving your consent
By signing this application you are agreeing that we may use your information in the way described in this form including the
‘Keeping you informed’ section and in the ‘Your Information’ section within the BusinessOne General Terms.

Director (1) / Partner (1)

                            X                 X              X              X                X
Title                 Mr            Mrs             Miss             Ms            Other

                      If ‘Other’, please specify


First name                                                                      Middle name(s)

Surname
                      Name as you wish it to appear on the card


Name
                      (title, first name, middle initial and surname (max. 21 characters incl. spaces)


Credit limit on card (£500 min)
                                          £
                                                                                                             BusinessOne Premium
Please tick for your choice of card                    X    BusinessOne                                  X   £79

Security password (memorable word)                            Date of Birth                   Country of Nationality

                                                                 D DMM Y Y Y Y
Nominated cardholder’s signature (1)



                                                                          Date of signature

                                                                            D DMM Y Y Y Y

Director (2) / Partner (2)

                            X                 X              X              X                X
Title                 Mr            Mrs             Miss             Ms            Other

                      If ‘Other’, please specify


First name                                                                      Middle name(s)

Surname
                      Name as you wish it to appear on the card


Name
                      (title, first name, middle initial and surname (max. 21 characters incl. spaces)


Credit limit on card (£500 min)
                                          £
                                                                                                             BusinessOne Premium
Please tick for your choice of card                    X    BusinessOne                                  X   £79

Security password (memorable word)                            Date of Birth                   Country of Nationality

                                                                 D DMM Y Y Y Y
Nominated cardholder’s signature (2)



                                                                          Date of signature

                                                                            D DMM Y Y Y Y

RBS/BusOne/LTD/0111
Page 2 of 4
  Director (3) / Partner (3)

                            X                 X              X              X                X
  Title               Mr            Mrs             Miss             Ms            Other

                      If ‘Other’, please specify


  First name                                                                    Middle name(s)

  Surname
                      Name as you wish it to appear on the card


  Name
                      (title, first name, middle initial and surname (max. 21 characters incl. spaces)


  Credit limit on card (£500 min)
                                          £
                                                                                                              BusinessOne Premium
  Please tick for your choice of card                  X    BusinessOne                                  X    £79

  Security password (memorable word)                          Date of Birth                     Country of Nationality

                                                                 D DMM Y Y Y Y
  Nominated cardholder’s signature (3)



                                                                          Date of signature

                                                                            D DMM Y Y Y Y


  Electronic Management Information (eMI)
  Your BusinessOne card programme offers online banking as a standard feature, that provides real time access to your business
  expenditure. In addition you can also enrol for our online management reporting tool that offers you the ability to run reports on
  your transaction information.
  If you wish to enrol for BusinessOne eMI, please tick here           X

  4. Commercial Card Protection
  Commercial Card Protection insures your business against fraud through the loss or theft of your cards and removes the hassle
  and stress caused by losing them. The policy insures and protects up to 15 cards, which can be both business and personal cards
  belonging to you or your employees.
  Features include:
  •    Insurance cover up to £5,000 against fraudulent use prior to notification, up to £100,000 insurance cover thereafter.
  •    A 24 hour card loss reporting and re-order facility to report the loss of your card and your employees' commercial and
       personal cards from anywhere in the world, with a single phone call.
  •    A hotel bill payment service with access to an emergency cash advance facility (subject to status and repayable within 28 days).
  A policy premium of £50 per year will be debited to your BusinessOne account when your policy is issued and subsequently
  when due at the prevailing rate until cancelled by you. The price stated includes insurance premium tax.
  I wish to purchase a Commercial Card Protection policy to protect my cards.               X
  If you have selected Commercial Card Protection your welcome pack will be sent to you within 14 days of opening your BusinessOne account.

  5. Application Agreement
  The parties to this agreement are The Royal Bank of Scotland plc, Commercial Cards Division, Cards Customer Services, PO Box 5747,
  Southend-on-Sea SS1 9AJ and the Customer whose name appears in the first section of this application and agreement form.
  The Bank is authorised to accept telephone instructions in relation to the Agreement when the instructions appear to the Bank
  to be given by the Customer.
  By signing below, the Customer agrees to the BusinessOne terms and requests the Bank to issue a BusinessOne Card to the
  person(s) named above.




       
      Signature(s) of Authorised Person(s)                 Date of signature(s)

  Signed in accordance with the authority held by the Bank. The Customer is applying to the Bank to open a BusinessOne card
  account under which cards will be issued to Cardholders authorised to use a card by the Customer. Cards will be capable of
  being used to make purchases and obtain cash from those within the payment scheme indicated on the cards.
RBS/BusOne/LTD/0111
Page 3 of 4
                                                     For Business Manager use only


   Signed for and on behalf of The Royal Bank of Scotland plc.                Business Manager name (in BLOCK CAPITALS)
     Signature


                                                                              Contact telephone number
                                         Date

   (Branch/Business Manager to sign)

   Salary reference number                                                    Your ISV number



                                                                              Portfolio code
   Account number


                                                                              Branch sort code

   Customer ID

    1 -                                                                       Bank of England/Institution code

   Business managers only enter last 9 digits.
   Operations staff only key in last 9 digits.
                                                                                                        Campaign code (ASC-AACE Screen)

    X      I confirm that KYC checks have been successfully                    Switcher or Start-up      L T B ON 0              Please
           completed for all cardholders on this application, and                                                                mark as
           the underlying evidence can be provided upon request.                                                                 appropriate
           NB This box MUST be ticked otherwise the card                         All other accounts      L T B O F 0         X
           account cannot be opened
                                                                   for BusinessOne Premium use
                                                                    ASC code at cardholder level:        BO P R A 9
    X      I have discussed card insurance options
           with the customer

   Total Card Account Limit required

    £                                                                               CDF24       B E

    Reminder:
    • RMP sanctioning paperwork attached
    • Application Agreement signed by customer
    • Direct Debit – all fields complete
    • KYC compliance verified                                                                      Branch stamp          BLU stamp
    • RETURN TO: The Royal Bank of Scotland plc, Commercial Cards Division, Cards
      Customer Services, PO Box 5747, Southend-on-Sea SS1 9AJ. Depot code 028
    • Detach Guarantee and return to the appropriate Credit Documentation centre
      see instructions below:
      Forms for RBS Scotland should be sent to: Manchester Credit Documentation,
      8th Floor, 1 Hardman Boulevard, Manchester M3 3AQ (Depot Code 049)
      Forms for RBS England & Wales should be sent to: Sheffield Credit Documentation:
      PO Box 502, 42 High Street, Sheffield S1 2YW




                                         The Royal Bank of Scotland plc. Registered in Scotland No SC090312.
                                             Registered Office: 36 St Andrew Square Edinburgh EH2 2YB.
RBS/BusOne/LTD/0111                     Authorised and regulated by the Financial Services Authority No. 121882.                          90037667
Page 4 of 4

				
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posted:8/14/2011
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