Year Fixed Term Deposit Account

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					5 Year Fixed Term
 Deposit Account
    Who are we?
    Scottish Widows Bank opened for business in 1995 and is part of the Lloyds Banking Group. The Bank aims to produce quality
    financial products with excellent customer service through telephone, postal or online banking.


    Key features
    •   A fixed rate of interest during the five year term.
    •   Minimum deposit £10,000.
    •   Maximum deposit £5,000,000.
    •   Available to new and existing Scottish Widows Bank customers.
    •   Not linked to any investment products.
    •   No partial withdrawals allowed unless the account is closed, which will be subject to a charge, as set out in clause 4
        of our Terms and Conditions.


    Opening the Account                                                  Competitive interest rates
    •   This account is available in issues, each with a certain         •   Interest must be paid away to either another
        start date and maturity date – five years later.                     Scottish Widows Bank deposit account or an external
                                                                             bank account held in your name. Interest can be paid
        The fixed rate of interest you will earn during the five
                                                                             monthly, quarterly or annually. The contracted rate of
        year term will be determined prior to each issue and
                                                                             interest on your account will be lower than the annual
        available for you to check before you choose to open
                                                                             gross interest rate if you choose to have interest paid
        your account.
                                                                             monthly or quarterly.
    •   You can open an account and deposit your funds at
                                                                         •   Deposits made during the offer period will earn an
        any time from when we announce the next issue until
                                                                             interest rate equivalent to the Bank of England’s Base
        the actual start date for that five year term. However,
                                                                             Rate at the time. This interest will be included in your
        we reserve the right to close an issue early if demand
                                                                             first interest payment after the fixed rate is applied.
        is higher than expected. Any account opened will
        earn a variable rate of interest equivalent to the Bank          •    From the start date a fixed rate of interest will then
        of England Base Rate, until the start date, when the                 apply for the five year term.
        fixed interest rate will begin.
                                                                         The fixed rate applicable to each issue can be found on
    •   Simply complete the application form in this brochure            our website at www.scottishwidowsbank.co.uk or by
        and send to us with a personal cheque for the deposit            calling our Customer Service team on 0845 845 0829.
        or make your deposit by internal transfer from an
        existing Scottish Widows Bank account.




1
Interest payment                                               Qualifying Time Deposits (QTDs)
The account will earn a variable rate of interest equivalent   An account is a QTD if the terms and conditions for the
to the Bank of England Base Rate until the actual start        account meet these criteria:
date, when the fixed interest rate starts (this information
                                                                   –   the deposit is at least £50,000
is on the interest rate sheet for each issue). The interest
earned during this period will be added to your original           –   repayment to be made at a specified time within
investment at the start of the fixed rate period, and will             5 years of the QTD being made (repayment on
be paid net.                                                           the fifth anniversary is not acceptable) and the
                                                                       repayment date must be specified at the outset
Interest will accrue at the fixed rate from the start date
and will be paid monthly, quarterly or annually to your            –   makes no provision for the right to repayment
nominated account.                                                     to be transferred

Interest will be paid net to UK tax payers until the start         –   prevents partial withdrawals
of the fixed rate period and on all deposits under £50,000
                                                                   –   prevents additions
during the fixed rate period. Non tax payers can receive
interest gross subject to us receiving confirmation of         If the terms and conditions meet the five criteria then
your tax status. The relevant HM Revenue and Customs           interest must be paid gross – neither the saver nor the
registration form can be sent to you, upon request, when       Financial Institution are able to change this.
you open your account.
All deposits of £50,000 and over will be paid without tax      If your application has been
taken off during the fixed rate period as these are classed
as ‘Qualifying Time Deposits’ by HM Revenue and
                                                               submitted to Scottish Widows Bank
Customs (see below for further information). The interest      by an Introducer, the following
earned still forms part of your taxable income and you’ll      applies:
be responsible for declaring the income to HM Revenue          •   Your Introducer will not be able to make withdrawals
and Customs and paying any tax due.                                from or deposits to your account under this
To meet the criteria of a ‘Qualifying Time Deposit’ the            arrangement and will not be able to change
                                                                   any account details.
maturity date stated at the outset of each issue will be
a date which is at least one business day before the fifth     •   Your Introducer will receive 0.3% commission
anniversary of the start date. In line with this, the              annually based on the average balance of your
payment date for annual interest will be set to coincide           account. This will be paid quarterly in January,
with the maturity date. Consequently, the amount of                April, July and October.
interest paid each year will not always be for 365 days.       •   By Introducer, we mean the firm that your individual
                                                                   introducer represents.


                                                               Introduced by a Financial Adviser:
                                                               •   In addition to the above we will advise your Financial
                                                                   Adviser of your account balance on request. By
                                                                   completing the Financial Adviser details and signing
                                                                   the declaration in the application form you will be
                                                                   agreeing to this.
                                                               •   If this arrangement changes and you no longer
                                                                   wish us to do this, please confirm to us in writing.




                                                                                                                            2
    Deposits                                                       Withdrawals
    •   Your deposit can be made by cheque or internal             •   No partial withdrawals allowed.
        transfer from an existing account.
                                                                   •   If you need to withdraw your money before the end
    •   No additional deposits can be made.                            of the term, you can close your fixed rate deposit
                                                                       account, however you will be charged an amount
    •   Cheques must be drawn on an account held in your
                                                                       equal to 365 days’ interest. We will work this out at
        name. Building Society cheques must be verified to
                                                                       the rate at which we pay interest on your fixed rate
        confirm they are from an account held in your name.
                                                                       deposit account.
    (Please arrange for the issuing branch to stamp and sign       •   We may take this amount from the interest we owe
    the reverse of the cheque and add your name, sort-code,            you on your account which we have not yet paid.
    account number and roll number if applicable).
                                                                       If there is not enough interest that we have not yet
    Third party cheques cannot be accepted.                            paid we will take this amount from your fixed rate
    •   Please note that we can only accept funds transferred          deposit account.
        as above. Inward transfer of credits through the           •   You can ask us to pay the money in your fixed rate
        bank’s money transmission system, e.g. bank giro               deposit account into another savings account with
        credit, standing order or dividend mandate, is not             Scottish Widows Bank or your nominated external
        possible as there can be identification difficulties and       account.
        delays outside our control. Payments made in this way
        may be returned automatically.                             •   On death of customers before the end of the term,
                                                                       the initial capital plus the full amount of accrued
                                                                       interest will be returned.
    At maturity
    •   At least 30 days before the end of the five year term,
        we will send you a letter advising of your options.
    These are:
        –   Roll over your current Term Deposit to the one
            existing at the time of maturity.
        –   Transfer money to another savings account with
            Scottish Widows Bank.
        –   Transfer money to your nominated external
            account.
    •   If we don’t receive any instruction from you, your
        funds will automatically be rolled over to a Scottish
        Widows Bank Variable Rate Account with interest
        payable at the Bank of England Base Rate.
    For more information please see Terms & conditions,
    number 5.




3
Terms & Conditions                                              Defined Terms
Our agreement with you is made up of these terms and            In these conditions, the following terms have the
conditions that apply to the 5 Year Fixed Term Deposit          meanings shown beside them:
Account (‘the account’) which the account holder(s)
                                                                ‘Annual Equivalent Rate’ means the notional rate of
(‘you’) holds with Scottish Widows Bank plc (‘us’) and
                                                                interest which would be equal to the contractual rate of
our interest rates sheet for your particular deposit account.
                                                                interest if it were paid and compounded on an annual basis;
You can ask us for a copy of this agreement and our
                                                                ‘Bank of England Base Rate’ means the Bank of
interest rates sheet, at any time.
                                                                England’s repo rate (commonly referred to as its base rate);
These accounts are available to people aged 16 and over.
                                                                ‘business day’ means Monday to Friday excluding bank
Scottish Widows Bank Plc’s registered office is:                holidays in England;
PO Box 12757,                                                   ‘CHAPS transfer’ means a transfer of money using the
67 Morrison Street,                                             Clearing House Automated Payment System. We will
Edinburgh,                                                      charge you a £25 administration fee to cover the cost
EH3 8YJ.                                                        of making this transfer.
We are registered in Scotland and our company                   ‘cut-off time’ means the time on each business day
registration number is No.154554. We are authorised             such that instructions received after that time will not
a nd regulated by the Financial Services Authority.             be treated as received until the next business day.
Our Financial Services Authority register number is             The cut-off time is usually not before 6:00pm, although
201601. The main business of Scottish Widows Bank               the cut-off time for CHAPS transfers is 2.00pm. Please
is arranging, entering into and administering mortgages         ask if you would like to know the cut-off time for a
and accepting deposits.                                         particular transaction;
                                                                ‘electronic transfer’ means a payment to or from
Our contact details                                             the account made by any means other than cash or
                                                                cheque. Examples include a direct debit; a CHAPS transfer;
Our staff are available to deal with your requirements
                                                                a transfer to or from another Scottish Widows Bank
between 8am and 6pm weekdays (from 10am
                                                                account and a transfer arranged by telephone.
Wednesdays).
                                                                ‘Lloyds Banking Group’ means the group of companies
You can contact us by calling:
                                                                which includes us and a number of other companies using
0845 845 0829
                                                                brands including Lloyds TSB, Halifax and Bank of Scotland,
If calling from overseas telephone:                             and their associated companies. More information on the
0044 131 655 2000                                               Lloyds Banking Group can be found at
                                                                www.lloydsbankinggroup.com
You can write to us at:}
PO Box 12757                                                    ‘pre-advised account’ means the account in your
67 Morrison Street                                              name(s) with another United Kingdom bank (or building
Edinburgh                                                       society) which you nominate as the account from which
EH3 8YJ                                                         or to which electronic transfers may be made;
Our website is:                                                 ‘Security Details’ can be processes or security
www.scottishwidowsbank.co.uk.                                   procedures we ask you to follow or use, for example,
                                                                a password or other information, security numbers or
You can contact us using any of these contact
                                                                codes to make an instruction or confirm your identity.
details unless we specify otherwise.
                                                                ‘Gross’ This is the contractual rate of interest payable
                                                                before the deduction of income tax at the rate specified
                                                                by law (currently 20%).




                                                                                                                               4
    1. Payment Services                                            1.5 As long as we have checked your identity in one of
                                                                       the ways set out above, we will assume that we are
    1.1 Your payment instructions can be given to us
                                                                       dealing with you.
        (including withdrawal of consent) by:
                                                                   1.6 You will not be able to give a payment instruction
         (a) Telephone – we will require your security
                                                                       using your Security Details if we have stopped, or
             passwords to be confirmed prior to any
                                                                       suspended, your ability to use them. We can do this
             transactions being carried out.
                                                                       if we reasonably consider it necessary for reasons
         (b) Via post – we will accept instructions by letter          relating to:
             or postal instruction forms (these are available
                                                                        (a) the security of your Security Details; or
             via our website or on request to the customer
             services line). Your instruction must be signed            (b) suspected unauthorised or fraudulent use
             and will be checked against our records upon                   of your Security Details.
             receipt of your request.
                                                                        Unless the law prevents us from doing so or we
    1.2 With regard to your payment instructions:                       believe it would undermine our security measures,
                                                                        we will try to contact you by telephone or in writing
         (a) Your instructions will not be effective until we
                                                                        in advance to tell you that we have done this and
             receive them.
                                                                        our reason for doing so. If we are unable to tell you
         (b) If you ask us to make a payment, we cannot                 in advance, we will tell you as soon as possible
             change or cancel the payment instructions                  afterwards.
             because we start processing it when we receive
                                                                   1.7 We may refuse to carry out a payment instruction if:
             it, (unless it is an instruction for a future date,
             in which case it can be stopped or recalled up             (a) you do not have available funds to make
             to 6pm on the business day before the                          the payment;
             instruction is to be carried out.)
                                                                        (b) the payment instruction is not clear or you
         (c) Although some payments can be made on                          have not provided us with the correct details
             non-business days, the processing of these                     in accordance with condition 1.3;
             payments is not completed on our systems
                                                                        (c) there is a legal requirement or a court or
             until the next business day.
                                                                            other authority tells us to act in that way;
    1.3 When you request an electronic transfer to another
                                                                        (d) the payment seems unusual compared with
        account, you must give us the other account name,
                                                                            the way you normally use your account;
        sort code, account number and any other details we
        ask you for such as the name of the person you are              (e) we reasonably believe you or someone else has
        sending the payment to, so we can arrange or make                   used or is using or obtaining, or may use or
        the electronic payment. You are responsible for                     obtain a service or money illegally or fraudulently;
        checking that the details are correct. We will not be
                                                                        (f) we reasonably believe that someone else may
        liable if an electronic transfer goes to the wrong
                                                                            have rights over money in your account (in this
        person because you gave us the wrong details. If it
                                                                            case we can also ask (or require you to ask) a
        does go to the wrong person because you gave us
                                                                            court what to do, or do anything else we
        the wrong details, we will use reasonable efforts to
                                                                            reasonably need to do to protect us); or
        recover the money and, if we manage to do so, we
        may charge you our reasonable costs.                            (g) any other reason set out separately in this
                                                                            agreement applies.
    1.4 When we contact you or you contact us we need to
        check your identity before you can give us                 1.8 Please note that transactions can only be carried
        instructions or we can disclose or discuss confidential        out when we are fully satisfied that identification
        information about your accounts. For this reason:              requirements are met.

         (a) you must sign instructions given on paper; and        1.9 We may refuse to accept a payment into an account
                                                                       or an instruction for a payment from it if we
         (b) if you are contacting us or giving us instructions
                                                                       reasonably believe that doing so might cause us
             by any other method (for example by telephone)
                                                                       (or another company in the Lloyds Banking Group)
             you must do so using the Security Details we
                                                                       to breach a legal requirement or might expose us
             have given to you or agreed with you personally.
                                                                       (or another company in the Lloyds Banking Group)
                                                                       to action from any government or regulator.


5
2. Payment into your Account (Deposit)                          4. Payments to and from another
2.1 You can only make the payment into your account                Scottish Widows Bank Account
    in the following ways:                                      4.1 You can instruct us to make a transfer between your
      (a) by cheque; or                                             account and any another Scottish Widows Bank
                                                                    account you have under the same name(s) with us,
      (b) by transferring money from another                        subject to the withdrawal restrictions in condition 3.
          Scottish Widows Bank account in your name(s)
          (see condition 4).                                    4.2 We will process your instruction the business day we
                                                                    receive it or, if we receive it after the cut-off time
2.2 We will only accept a payment into your account                 or on a non-business day, the next business day,
    in Sterling.                                                    subject to the withdrawal restrictions in condition 3.
      The minimum deposit is £10,000. The maximum               4.3 When we process your instructions, we will debit the
      balance accepted by us is £5,000,000.                         money from one account and it will be credited to
      No additional deposits can be made.                           the other account and available to withdraw, subject
                                                                    to the withdrawal restrictions in condition 3.
Cheques
2.3 Cheques must be drawn from an account you are               5. Charges and Interest
    named on. For your protection we recommend that
                                                                Charges
    personal cheques issued by you are made payable
                                                                5.1 Where you close the account at maturity and wish
    to: Scottish Widows Bank <Account Holder’s Name>.
                                                                    to withdraw your money the same day, a charge
2.4 Third party cheques are not permitted. Building                 (presently £25) will be applied to cover our transfer
    society cheques must be verified to confirm they are            costs. Withdrawals by other forms of electronic
    from an account held in your name. (Please arrange              transfer will be made free of charge. No other charges
    for the issuing branch to stamp and sign the reverse            will apply to the account for standard services.
    of the cheque and add your name, sort code,
    account number and roll number if applicable).              Exceptional Service
2.5 We do not accept inward transfers of credit through         5.2 We may charge for providing you with any
    the bank’s money transmission system, eg. bank giro             non-standard service which you request in
    credit, standing order or dividend mandate is not               connection with your account. We will inform
    possible as there can be identification difficulties            you of the charge before we provide the service.
    and delays out with our control. Payments made in
    this way may be returned automatically and may              Interest
    incur a charge, currently £10.                              5.3 Annual Equivalent Rate (AER) is based on interest
                                                                    paid and capitalised to the account once each year.
3. Payment out of your Account                                      We may change our interest rates, charges and
                                                                    charging dates under condition 11.
   (Withdrawal)
No partial withdrawals allowed. Early access to funds is        Interest Rates
permitted on account closure, If you need to withdraw your
                                                                5.4 Variable interest at the Bank of England Base Rate
money before the end of the term, you can close your fixed
                                                                    will apply to the account until the date when the
rate deposit account, however you will be charged an
                                                                    specified issue of the 5 Year Fixed Term Deposit
amount equal to 365 days’ interest. We will work this out at
                                                                    Account starts. After the start date a fixed rate,
the rate at which we pay interest on your fixed rate deposit
                                                                    determined prior to the specified issue being
account. We may take this amount from the interest we owe
                                                                    promoted, will apply.
you on your account which we have not yet paid. If there is
not enough interest that we have not yet paid we will take
this amount from your fixed rate deposit account.
You can ask us to pay the money in your fixed rate deposit
account into another savings account with Scottish Widows
Bank or your nominated external account.
On death of customers before the end of the term, the
initial capital plus the full amount of accrued interest will
be returned.

                                                                                                                             6
    Interest Calculation                                                Where a QTD is broken we will pay any accrued
    5.5 Before the start date, interest is calculated on a daily        interest referable solely to the period in which the
        basis from the day funds are cleared. This means                deposit was a QTD without deduction of tax. If the
        that you will earn interest after the second business           deal continues to run to maturity following a partial
        day in respect of cheques received for the credit of            withdrawal/addition after a QTD has been broken
        the account.                                                    tax must be deducted from any interest paid.
                                                                   Interest Payments
    Taxation of Interest
                                                                   5.9 The interest earned during the initial offer period will
    5.6 Interest is normally payable net of lower rate tax
                                                                       be added to your original investment at the start of
        (currently 20%) but may be paid gross if you
                                                                       the fixed rate period. The interest earned during the
        provide us with the appropriately completed
                                                                       five year term will be paid away monthly, quarterly
        HM Revenue
                                                                       or annually to either another Scottish Widows Bank
    5.7 All deposits of £50,000 and over will be paid without          account or an external account in your name.
        tax taken off during the fixed rate period as these are
                                                                   5.10 To meet the criteria of a ‘Qualifying Time Deposit’
        classed as ‘Qualifying Time Deposits’ by HM Revenue
                                                                        the maturity date stated at the outset of each issue
        and Customs (see section 5.8). The interest earned
                                                                        will be a date which is at least one business day before
        still forms part of your taxable income and you will
                                                                        the fifth anniversary of the start date. In line with
        be responsible for declaring the income to HM
                                                                        this, the payment date for annual interest will be set
        Revenue and Customs and paying any tax due.
                                                                        to coincide with the maturity date and consequently,
    5.8 An account is a QTD if the terms and conditions                 the amount of interest paid each year will not always
        for the account meet these criteria:                            be for 365 days.
         –    the deposit is at least £50,000
                                                                   6. Maturity
         –    repayment to be made at a specified time
                                                                   6.1 At least 30 days before the end of the term we will
              within 5 years of the QTD being made
                                                                       send you a letter advising of your options. These are:
              (repayment on the fifth anniversary is not
              acceptable) and the repayment date must                   –    Option to open another Fixed Term Deposit
              be specified at the outset                                     Account which is available at the time of
                                                                             maturity
         –    makes no provision for the right to repayment
              to be transferred                                         –    Transfer money to another savings account
                                                                             with Scottish Widows Bank
         –    prevents partial withdrawals
                                                                        –    Transfer money to your nominated
         –    prevents additions
                                                                             external account
         If the terms and conditions meet the five criteria
                                                                        –    To allow the account to revert to a variable rate,
         then interest must be paid gross – neither the saver
                                                                             equivalent to the Bank of England base rate.
         nor the Financial Institution are able to change this.
                                                                   6.2 If we do not receive instructions from you (or we
         Where any of the conditions cease to be met the
                                                                       cannot reasonably comply with your instructions),
         QTD is broken and is no longer a QTD e.g.
                                                                       on the last day of the term (or the next working day
         –    additions to the deposit (including capitalised          if this falls on a Saturday, Sunday or Bank Holiday),
              interest) withdrawal of part of the deposit              the account will revert to a variable interest rate,
              before it matures, and                                   equivalent to the Bank of England base rate.
         –    pooling the deposits with other deposits
         For systems reasons, we will credit interest to the
         account and subsequently ‘pay away’ the interest
         on the same day without ever being added to the
         original sum which is allowable under the QTD rules
         and therefore does not break the QTD




7
7. Identification Requirements                                 9. Security
7.1 To comply with Money Laundering Regulations,               9.1 You must:
    Scottish Widows Bank need to verify your identity
                                                                    (a) follow instructions we give you, which we
    when opening the account.
                                                                        reasonably consider are needed to protect
7.2 Scottish Widows Bank may make searches now and                      you and us from unauthorised access to
    in the future about you with an online reference                    your accounts;
    agency who will supply information for the purpose
                                                                    (b) not let anyone else use your Security Details.
    of verifying your identity. Scottish Widows Bank may
                                                                        For personal accounts this also applies to
    also obtain documents from you confirming your
                                                                        someone sharing a joint account with you
    identity and address.
                                                                        as he or she will have his or her own;
7.3 You will not be allowed to operate the account until
                                                                    (c) keep your Security Details secure and protected
    the Money Laundering checks are complete.
                                                                        from damage;
7.4 The FSA’s Factsheet “Proving your Identity” will help
                                                                    (d) do all you reasonably can to make sure no
    explain why we need to verify your identity. You can
                                                                        one finds out your Security Details, for example
    get a free copy from www.moneymadeclear.fsa.
                                                                        by not:
    gov.uk/pdfs/proving_your_identity.pdf or by
    calling them on 0845 606 1234.                                       (i) choosing obvious passwords or codes
                                                                             (such as your date of birth) as part of
8. Communication                                                             your Security
8.1 On opening an account with us, you will be allocated                 (ii) writing your Security Details on, or keeping
    an account number. Its purpose is to assist us in                         them with your banking documentation;
    locating your account details in order to deal
                                                                         (iii) writing down your Security Details in
    efficiently with your requirements. It is not a security
                                                                               a way that is recognisable;
    code but should be quoted in all correspondence
    and in telephone enquiries.                                          (iv) letting anyone listen in to your calls
                                                                              with us, or watch you entering or
8.2 When using our telephone banking service we may
                                                                              making use of your Security Details;
    monitor or record telephone calls with you in order
    to check we have carried out your instructions                  (e) not let anyone else give instructions, or have
    correctly and to help improve our quality of service.               access to information, on your accounts unless
    We reserve the right to request additional account                  he or she has a separate arrangement with us
    information as is reasonable to satisfy ourselves that              to do so, or you have authorised him or her
    the telephone caller is in fact the account holder.                 to do so.
                                                               9.2 The Security Details you provide on your application
Statements
                                                                   form will be held securely on file for your protection.
8.3 You will receive annual statements and annual
                                                                   Security Details can be changed at your request
    interest certificates. At the end of the term you
                                                                   providing notification is given in writing (evidenced
    will receive a closing statement and an interest
                                                                   as required) and signed in accordance with the
    certificate.
                                                                   application form.
8.4 Where we say we will write to you, we will as
                                                               9.3 If you think someone else may be able to use,
    appropriate do so by letter, email, text, statement
                                                                   or has used, your Security Details (because, for
    messages or inserts or in any other way which is
                                                                   example, they have found out your password),
    sent to you individually.
                                                                   you must tell us as soon as you reasonably can
8.5 You are responsible for checking statements and                by telephoning our customer service staff on
    other account information we give you. You must tell           0845 845 0829. If we ask, you must give us any
    us as soon as you reasonably can (by telephoning               information you know about the misuse of the
    our customer service staff on 0845 845 0829) if you            Security Details. We will pass this to the police
    notice any errors on your account. If you do, or if            if we reasonably think that will be useful.
    we notice any errors, we will correct them as soon
    as reasonably possible.
8.6 We will communicate with you in English.



                                                                                                                             8
    10. Refunds                                                    11. Variation
    10.1 We will refund the amount of a withdrawal and any
                                                                   Interest Rate Changes without advance notice
         charges or interest you paid as a result of it, and pay
         you any interest we would have paid you on that           11.1 Before the start of the specified issue of the
         amount, if:                                                    5 Year Fixed Term Deposit account;

         (a) you asked us to make the payment to an                     (a) variable interest at the Bank of England Base
             account at another bank and the payment was                    rate applies. During this time rates “tracker rate”
             not made properly or never arrived, unless there               changes automatically. A “tracker rate” is where
             was a mistake in any of the details contained in               the interest rate tracks a “reference interest
             the payment instruction you gave us or we can                  rate”. This is a rate which is not set by us but is
             show that the payment was received by the                      publicly available so that you can find out what
             other bank (in this case, that bank is required                it is and check it independently. The Bank of
             by law to make the payment immediately); or                    England Base Rate is an example of a reference
                                                                            interest rate.
         (b) you tell us that a payment out of your account
             was unauthorised and, having investigated it,              (b) where the interest rate on a tracker account
             we are reasonably satisfied that the payment                   changes as a result of a change in the reference
             was not authorised and that you are not liable                 interest rate we will apply the new rate with
             (condition 12 has more information on liability).              effect from the next business day.
             We will not refund the payment if you tell us         11.2 After the start date of the issue of the 5 Year Fixed
             more than 13 months after the payment                      Term Deposit Account a fixed rate of interest will
             was made.                                                  apply for the term.
    10.2 If a withdrawal was not made properly or never
                                                                   Changes with advance notice
         arrived, we will (if you ask us to) make immediate
         efforts to trace the payment and notify you in            11.3 By writing to you at least two months in advance
         writing or by telephone of the outcome.                        we can change:

    10.3 If you ask us to transfer money to your account by             (a) the terms that apply to a particular account or
         direct debit and the payment is not made correctly                 service (such as the margin on a tracker account,
         or never arrived we will:                                          the benefits included with an account); or

         (a) (unless we can show it was the fault of the                (b) any of the other terms of this agreement.
             paying bank, or you gave us the wrong                 11.4 We will only make a change under condition 11.3
             payment details – see condition 1.4)                       if you can end this agreement (or close the affected
             immediately ask the paying bank to make                    account or service) before the change takes effect
             the payment to us again;                                   if you do not want to accept the change:
         (b) if you ask us to, make immediate efforts to                (a) without charge; or
             trace the payment and notify you in writing
             or by telephone of the outcome; and                        (b) we say we will not make a charge which would
                                                                            otherwise apply. Unless you close your account
         (c) refund you any charges you paid as a result.                   or end this agreement prior to the proposed
    10.3 If we can show that it was the paying bank’s                       change date, you will be deemed to have
         fault they will be responsible for:                                accepted the changes to your terms and
                                                                            conditions.
         (a) putting the amount of the payment back
             into your pre-advised account;
         (b) paying you any interest you would have earned
             on the amount had it not been taken from your
             pre-advised account; and
         (c) refunding you any charges you paid as a result of
             the payment not being made correctly or at all.




9
12. Liability                                                13. What we do with your information
12.1 If we break this agreement:                             13.1 We may hold information on you for
                                                                  administration, research, analysis, credit
     (a) we will not be liable for losses or costs caused
                                                                  assessment, money laundering checks, fraud
         by abnormal and unforeseeable circumstances
                                                                  prevention and the marketing of financial and
         outside our reasonable control, which would
                                                                  related products and services.
         have been unavoidable despite all efforts to
         the contrary, for example delays or failures        13.2 In accordance with the Data Protection Act 1998
         caused by industrial action, problems with               you have a right to ask for a copy of this information
         another system or network, mechanical                    (on payment of an administration fee. Please call our
         breakdown or data-processing failures;                   customer service staff on 0845 845 0829 for details)
                                                                  and the right to request us to change any of this
     (b) we will not be liable for any indirect loss
                                                                  information if it is incorrect. The information we
         resulting from our breach.
                                                                  hold about you is confidential. We will only disclose
12.2 You will not be liable for any payment instructions          it outside Scottish Widows Bank and other
     you did not give yourself, even if they were given           Lloyds Banking Group companies when:
     using your Security Details, unless we can prove
                                                                  (a) you give us your consent,
     either:
                                                                  (b) it is needed by our agents and others involved
     (a) that you have acted fraudulently in which case
                                                                      in running accounts and services for you,
         you will be liable for all payments from the
         account that we have been unable to stop; or             (c) we or others need to investigate or prevent
                                                                      crime,
     (b) that you have been very careless with your
         Security Details (for example if you do not              (d) the law permits or requires it, even without
         tell us as soon as you think someone has                     your consent,
         discovered your Security Details or is accessing
                                                                  (e) there is a duty to the public to reveal the
         your accounts without your authority or you
                                                                      information,
         broke your obligations in condition 8) in which
         case (depending on the facts of the case and             (f) we need to assist any body which monitors
         any legal requirements that apply) you may be                compliance with any code of practice to which
         liable for payments from your account but only               we subscribe, in discharging its functions under
         until you have told us that your Security Details            the code,
         have been lost, stolen or could be misused.
                                                                  (g) we need to assist the Financial Ombudsman
    If you are not liable for a payment we will refund the            or our regulator.
    amount of the payment and any charges or interest
                                                                  We will remind you periodically that you can request
    you paid as a result of it, and pay you any interest
                                                                  us not to send you any marketing information
    we would have paid you on that amount, and will
                                                                  regarding additional services and products of
    not have any further liability to you.
                                                                  Scottish Widows Bank or other Lloyds Banking Group
12.3 Nothing in this agreement limits our liability for           companies by writing to us at PO Box 12757,
     acting fraudulently or very carelessly or otherwise          67 Morrison Street, Edinburgh, EH3 8YJ, quoting
     excludes or limits our liability to the extent we are        your account number.
     unable to exclude or limit it by law.
                                                             13.3 We may check what you have told us and share
                                                                  information with fraud prevention agencies; therefore
                                                                  it is important that you give accurate information.
                                                                  If you give us false or inaccurate data and we
                                                                  suspect fraud, we will record this at the fraud
                                                                  prevention agencies. Law enforcement agencies
                                                                  may access and use this information.
                                                                  Scottish Widows Bank and other organisations
                                                                  may access and use, from other countries, the
                                                                  information recorded by fraud prevention agencies.




                                                                                                                           10
     13.4 Scottish Widows Bank, and any company appointed        14. Law
          on our behalf, may make such enquiries as we
                                                                 14.1 Subject to conditions 14.2 to 14.3, the law of
          consider necessary to confirm the truth and
                                                                      Scotland:
          accuracy of the information given. We may supply
          information provided to credit reference agencies           (a) governs the contract between you and us; and
          and fraud prevention agencies. Information shared           (b) forms the basis on which relations are established
          amongst third parties is only used to verify your               between you and us before the contract is made.
          identity and to assist with the detection and
          prevention of fraud. We may use credit reference       14.2 If you are resident in Northern Ireland when the
          agency and fraud prevention agency records about            conditions in this agreement first apply to you the
          you to help make decisions about you, for example:          law of Northern Ireland will apply for the purposes
                                                                      of condition 14.1.
          –    checking details on applications for credit and
               credit related or other facilities                14.3 If you are resident in England or Wales when the
                                                                      conditions in this agreement first apply to you the
          –    managing credit and credit related services,           law of England and Wales will apply for the purposes
               and to manage your accounts                            of condition 14.1.
          –    for motor, household, credit, life, and
               other insurance proposals and claims              15. Complaints
          –    for fraud prevention and detection, debtor        15.1 Scottish Widows Bank has in place an internal
               tracing, debt recovery, and to check your              complaints procedure, details` of which can be
               identity to prevent money laundering                   obtained by telephone from our customer service
                                                                      staff on 0845 845 0829.
          –    checking details of job applicants and
               employees                                         15.2 Alternatively you can write to us at:

     13.5 Your information may, in certain cases, be disclosed        Customer Services Department
          to other companies in the Lloyds Banking Group              Scottish Widows Bank plc
          or agents acting on behalf of the Group, where              PO Box 12757
          the interests of Scottish Widows Bank require such          67 Morrison Street
          a disclosure. Information, including full details of        Edinburgh EH3 8YJ
          the conduct of your account and any transactions            If we are still unable to reach an agreement with you
          that you make, may be shared and used by                    to settle your complaint, we’ll write to you with a “final
          Scottish Widows Bank plc and other companies                response”. If you are not happy with our final response,
          within the Lloyds Banking Group, to enable them to          or if you do not receive it within 8 weeks, you can
          identify and advise you, by post, telephone or other        (unless you are a larger business customer) refer your
          electronic media, of any products and services that         complaint to the Financial Ombudsman Service by
          may be of interest to you, unless you have advised          writing to them at South Quay Plaza, 183 Marsh Wall,
          us not to do so.                                            London E14 9SR; by telephoning 0845 080 1800 or
     13.6 Other Lloyds Banking Group companies will not               by e-mailing complaint.info@financial-ombudsman.
          make marketing approaches to you unless you                 org.uk. The decision of the Financial Ombudsman
          already have a relationship with them.                      Service will be binding upon us.

     13.7 Sending your personal data by E-mail is not secure.    15.3 Scottish Widows Bank are covered by the Financial
          Only include your E-mail address if you agree to            Services Compensation Scheme (FSCS). The FSCS
          Scottish Widows Bank sending you E-mails.                   can pay compensation to depositors if a bank is
                                                                      unable to meet its financial obligations. Most
     13.8 We may record and monitor telephone calls with              depositors – including most individuals and
          you in case we need to check we have carried out            small businesses – are covered by the scheme.
          your instructions correctly and to help improve the
          quality of our service.




11
     In respect of deposits, an eligible depositor is              (f) If either of you dies, we will pay any balance
     entitled to claim up to £85,000. For joint accounts               on your account to the other.
     each account holder is treated as having a claim in
                                                                   (g) If a joint account is opened we will need to
     respect of their share so, for a joint account held by
                                                                       verify the identity of all account holders.
     two eligible depositors, the maximum amount that
     could be claimed would be £85,000 each (making           Instructions from either or both of you
     a total of £170,000). The £85,000 limit relates to
                                                              16.3 The option of both of you to authorise all instructions
     the combined amount in all the eligible depositor’s
                                                                   on your account is not available. This is because it is
     accounts with the bank including their share of any
                                                                   not possible for more than one customer to give an
     joint account, and not to each separate account.
                                                                   instruction at the same time by telephone.
     For further information about the scheme (including
     the amounts covered and eligibility to claim) please     17. Amendments
     call us on 0845 845 0829 or refer to the FSCS
                                                              Requests to amend account details should be made
     website www.FSCS.org.uk or call 020 7892 7300
                                                              in writing and be signed by you in accordance with the
     or 0800 678 1100.
                                                              prevailing instructions. For your convenience standard
                                                              amendment forms are available on telephone request
16. Joint Accounts                                            to the customer services line. Notice of any change
16.1 This section applies to personal account holders if      of name or bank details must be accompanied by
     more than one customer is named in the application       appropriate evidence.
     form for your account. We will open all the accounts
     you have requested on this application as joint          18. Death of Account Holder
     accounts. The instructions in this form will apply to
                                                              18.1 If a sole account holder dies, the personal
     all future accounts you open in both of your names
                                                                   representatives may close the account (upon
     unless you specifically tell us otherwise.
                                                                   presentation of such evidence of their authority
16.2 A joint account means:                                        as we may require) by withdrawing the balance
                                                                   of the account together with any interest accrued
     (a) Both of you are separately responsible for
                                                                   without notice or penalty. If applicable, if a joint
         keeping to its terms. If either of you does not
                                                                   account holder dies the account may continue
         keep to them, we can take action against either
                                                                   in the name of the surviving account holder(s).
         or both of you singly or together.
                                                              18.2 Alternatively, the survivor(s) may elect to close the
     (b) We may give any information about the
                                                                   account by withdrawing the balance of the account
         account to either of you (even if you request
                                                                   together with any interest accrued.
         that both of you must sign instructions to us).
                                                              18.3 Where the holder of a Qualifying Time Deposit dies,
     (c) Either of you will be able to withdraw any
                                                                   the deposit can remain a Qualifying Time Deposit
         money in the account (which may be without
                                                                   (and be entitled to gross interest) as long as the
         the other’s knowledge). We will not be obliged
                                                                   Qualifying Time Deposit conditions are not breached.
         to make any enquiries about the purpose of
                                                                   But the Qualifying Time Deposit cannot then roll
         any transactions.
                                                                   over into another Qualifying Time Deposit following
     (d) The account cannot later be put into just                 maturity.
         one of your names, unless you both agree.
                                                                   If the executor closes a Qualifying Time Deposit before
     (e) If there is a dispute between you about your              maturity the account will cease to be a Qualifying
         account, we may require you both to authorise             Time Deposit on closure. Interest accrued up to the
         transactions until you both agree how the                 date of closure will be paid gross.
         account is to be run.




                                                                                                                             12
     19. Notice to Close the Account                                 20. Right to Cancel
     19.1 This agreement will continue until you or we cancel        If you are not happy about your choice of savings
          or end it.                                                 or investment account(s), please write to us within
                                                                     14 days of opening your account at:
     19.2 You may end this agreement, or an account or
          other service under it, at any time by writing to us       Scottish Widows Bank plc,
          or phoning us, subject to the withdrawal restrictions      PO Box 12757,
          in condition 3. Where you have not told us in writing,     67 Morrison Street,
          we may require confirmation in writing.                    Edinburgh
                                                                     EH3 8YJ.
     19.3 We may close your account at any time. We will
          give you not less than two months’ written notice          We will help you switch accounts or we will give you
          of our intention to close your account unless:             all your money back with interest. We will ignore any
                                                                     notice period.
          (a) you are, or we reasonably consider you may be:
               (i) using or obtaining, or allowing someone else      21. Contracts (Rights of Third Parties)
                   to use or obtain, a service or money illegally;       Act 1999
               (ii) acting fraudulently;                             This contract is between the Account Holder(s) and
                                                                     Scottish Widows Bank plc. The terms of the Contracts
               (iii) behaving improperly (for example,
                                                                     (Rights of Third Parties) Act 1999 and any other legal
                     in a threatening or abusive manner);
                                                                     third party rights are specifically excluded except to the
          (b) we reasonably consider that by continuing to           extent that rights are expressly conferred on other Lloyds
              allow you to run your account:                         Banking Group companies. This means that only the
               (ii) we may break a legal requirement or a            parties to the contract (or their legal successor(s),
                    court order or other authority;                  assignee(s) or other security holders) and other Lloyds
                                                                     Banking Group companies may have contractual rights.
               (iii) we (or another company in the Lloyds
                     Banking Group) may be exposed to action         22. Commission
                     from any government or regulator; or
                                                                     If your application was submitted to Scottish Widows Bank
          (c) you have seriously or persistently breached            by your Introducer, they will receive 0.3% commission
              these conditions in any other way. If we close your    annually based on the average balance of your account.
              account without giving you the notice beforehand,      This will be paid quarterly in January, April, July and October.
              we will do so as soon as possible afterwards.




13
Application for 5 Year Fixed Term Deposit Account
Scottish Widows Bank plc
This form is only for the use of personal customers. Should you require              (For office use only)
any guidance in the completion of this form please contact our
Customer Service staff on: 0845 845 0829.                                            Issue                    Interest Rate
Please complete this form in BLOCK CAPITALS and in ink.                              Account Number

Please refer to section 4 or the Terms and Conditions
regarding access to your funds.

  1. Introducer details

Was this application introduced by a Financial Adviser or other Introducer?                                  Yes              No
Name
Company name and address




Postcode

FSA Authorisation number (if applicable)

If you are part of a network please give details



 2. Personal details

                                                             First Customer                          Second Customer

Title                                              Mr        Mrs              Miss     Mr             Mrs                Miss
                                                   Ms        Other                     Ms             Other
First name(s)
Surname
Address




Postcode
Date of birth (DD/MM/YYYY)
Place of birth: Town
                Country
Sex                                                Male      Female                    Male             Female
Country of residence
Country of nationality
National Insurance Number
Daytime Telephone Number
Evening Telephone Number
Mobile Telephone Number
Email Address
  2. Personal details (continued)

                                                             First Customer                            Second Customer

Occupation
Employer Name
Employer’s Address




Postcode
Tax identification Number
(for overseas customers only)

NB: If your primary place of residence ceases to be in the UK or if your country of residence changes you must inform
Scottish Widows Bank as soon as possible. See EU Savings Tax Directive section in brochure.
If calling from overseas please contact our Customer Services staff on 00 44 131 655 2000 to confirm our
current requirements.

  3. Deposit details
Please credit the following to my Fixed Term Deposit Account with you (tick one or more as appropriate).
Initial Payment
       Enclosed cheque(s) for: £                      made payable to ‘Scottish Widows Bank’ <account holders name>
                                                      (3rd party cheques are not permitted)
       Transfer of:                     £             from my/our existing Scottish Widows Bank account:
                                                      a/c no.


  4. Interest options
Please complete the relevant box to indicate how you would like your interest paid:
Monthly                         Quarterly        Annually

Please complete the relevant box to indicate how you would like your interest paid:

        (a) By adding it to a different Scottish Widows Bank account in the same name or in an individuals name who is party:
            to the account – a/c no
            held in the name of
        (b) By adding it to my/our bank or building society account detailed in Section 5.


  5. Existing Bank or Building Society details (Main Current Account) – (This section must be completed in all cases)

Bank/Building Society Name
Branch Address


Postcode
Branch Sort Code
Account Number
Roll Number (Building Society Only)
Account Name
If you are opening your account with a personal cheque drawn from the above account we will not require further
verification of your bank details.
  6. Joint account
If a joint account is opened we need to verify the identity of all account holders.



  7. Important – For your security

In order to provide telephone access we require details to be included for numbers 1 and 2. Please note that number 3
(Customer Code Word) is optional.                           First Customer                             Second Customer


1. First primary school
2. Mother’s maiden name
3. Customer Code Word (optional)

When receiving telephone instructions we will ask for the above passwords.
Always take responsible steps to keep the passwords and other security information secret at all times. This is essential to help
prevent fraud and protect the accounts. Take care when storing or disposing of information about your accounts. You should take
simple steps such as shredding printed material.
It is essential that you tell us as soon as possible if you suspect or discover someone else knows your security information.
Call our customer service staff on 0845 845 0829.


  8. Data Protection Statement
This declaration relates to the personal details given on this form and       You may monitor or record phone calls with me in case you need to
to any other information which I provide to Scottish Widows Bank, or          check you have carried out my instructions correctly and to help
which it holds on me.                                                         improve your quality of service.
I agree that you may check what I have told you and share information         The information you hold about me is confidential. You will only disclose
with fraud prevention agencies. I understand that it is important that        it outside the Lloyds Banking Group (or associated companies) when:
I give you accurate information. If I give you false or inaccurate data and   •     I give you my consent,
you suspect fraud, you will record this at the fraud prevention agencies.     •     It is needed by your agents and others involved in running
Law enforcement agencies may access and use this information. You                   accounts and services for me,
and other organisations may access and use, from other countries, the         •     You or others need to investigate or prevent financial crime,
information recorded by fraud prevention agencies.                            •     The law permits or requires it, even without my consent,
I agree that you may hold information on me for administration,               •     There is a duty to the public to reveal the information,
research, analysis, credit assessment, money laundering checks, fraud
                                                                              •     You need to assist any body which monitors compliance with
prevention and the marketing of financial and related products and
                                                                                    any code of practice to which you subscribe, in discharging its
services. In accordance with the Data Protection Act 1998 I understand              functions under the code,
that I have a right to ask you to send a copy of this information (on
                                                                              •     You need to assist the Financial Ombudsman or your regulator.
payment of the administrative fee. Please call our Customer Service staff
on 0845 845 0829 for details) and the right to request you to change          If our application has been submitted via a Financial Adviser,
any of this information if it is incorrect.                                   we agree you may disclose the balance of our account to our
                                                                              Financial Adviser named in this application form on request.
I authorise you or any company appointed on your behalf to make
                                                                              I understand that the information may, in certain cases, be disclosed
such enquiries as it considers necessary to confirm the truth and
                                                                              to other companies in the Lloyds Banking Group (or associated
accuracy of the information on this form. You may supply information
                                                                              companies or agents acting on behalf of the Group), where the
provided to credit reference agencies and fraud prevention agencies.
                                                                              interests of Scottish Widows Bank require such a disclosure.
Information shared amongst third parties is only used to verify my
                                                                              Information, including full details of the conduct of my account and
identity and to assist with the detection and prevention of fraud.
                                                                              any transactions that I make, may be shared and used by
I agree that you and other organisations may use credit reference             Scottish Widows Bank plc and other companies within the Lloyds
agency and fraud prevention agency records about me to help make              Banking Group, to enable them to identify and advise me, by post,
decisions about me, for example:                                              telephone or other electronic media, of any products and services that
•      checking details on applications for credit and credit related or      they think may be of interest to me. Note: If you would prefer not to
       other facilities,                                                      receive details of other products or services, please tick this box   .
•      managing credit and credit related services, and to manage             Other Lloyds Banking Group companies will not make marketing
       my accounts,                                                           approaches to you unless you already have a relationship with them.
•      for motor, household, credit, life, and other insurance proposals      I understand that you will remind me periodically that I can request
       and claims,                                                            Scottish Widows Bank not to send me any marketing information
•      for fraud prevention and detection, debtor tracing, debt recovery,     regarding additional services and products of Scottish Widows Bank
       and to check my identity to prevent money laundering,                  or other companies by writing to you at PO Box 12757, 67 Morrison
•      checking details of job applicants and employees.                      Street, Edinburgh, EH3 8YJ, quoting my account number
If I ask, you will tell me which credit and fraud prevention agencies         Warning: Sending your personal data by email is not secure. Only
you have used so I can get a copy of my details from them.                    include your email address if you agree to Scottish Widows Bank
                                                                              sending you emails.
  9. Identification Requirements
To comply with Money Laundering Regulations, we need to verify                    You will not be allowed to operate the account until the
your identity when opening an account.                                            Money Laundering checks are complete.
Scottish Widows Bank may make searches now and in the future                      The FSA’s Factsheet “Proving your Identity” will help explain
about you with an online reference agency who will supply                         why we need to verify your identity. You can get a free copy from
information for the purpose of verifying your identity.                           www.moneymadeclear.fsa.gov.uk/pdfs/proving_your_identity.pdf
Scottish Widows Bank may also obtain documents from                               or by calling them on 0845 606 1234.
you confirming your identity and address.



  10. Declaration

I, the person whose signature appears below, declare that monies are              or verbal instructions requesting account closure given by any one of
being/will be deposited in Scottish Widows Bank Deposit Account as                us. We can only accept instructions to collect funds from a pre-advised
sole beneficial owner/as joint beneficial owners. I declare that the              account you are a party to. Account closure should be sent direct to
information given on this form is true to the best of my knowledge.               my bank/building society account in Section 5 above.
(For joint account holders only.) We as joint account holders, hereby             I acknowledge that no payments in favour of third parties will be made.
authorise Scottish Widows Bank to accept and act on either written




Signature (First customer)                                                                  Date (DD/MM/YYYY)


Signature (Second customer)                                                                 Date (DD/MM/YYYY)

Note: Throughout this application form the words “I” and “we” may be taken where appropriate to mean the plural as well as the singular.
The following Check List has been compiled to assist you: (please tick as appropriate).
      Declaration signed, details completed and cheque enclosed (if applicable).
      Original bank/building society statement or cancelled cheque where applicable.
For non-tax payers.
I/We require HM Revenue and Customs Form(s) in order to receive interest gross for balances under £50,000
R85       – UK residents R105         – overseas residents



  Additional Details
This page has been provided for your use should you require to give further information on any of the sections.

  Section and Number               Description




                                                  Send your completed application form to:
                                                             Scottish Widows Bank plc
                                                                   PO Box 12757
                                                                 67 Morrison Street
                                                                        Edinburgh
                                                                        EH3 8YJ
                  If you have any questions about your application, please call our customer service staff on 0845 845 0829
                      (calls charged at local rates) – lines are open 8am to 6pm Monday to Friday, Wednesdays from 10am.
Our Promise to You                                       EU Savings Tax Directive
We are committed to working in partnership with          Under the terms of the European Union Savings
our customers and make the following promise             Tax Directive it is a requirement for Scottish
to you:                                                  Widows Bank to report to HM Revenue and
•    To keep the Terms and Conditions of our             Customs payments of interest to all residents of
     products clear and simple with no hidden            other EU member States and some EU Nationals
     charges or misrepresentation of facts.              resident elsewhere. To enable Scottish Widows Bank
                                                         to satisfy its obligations under the Directive you are
•    To maintain a plain English policy in all
                                                         required to notify Scottish Widows Bank of any
     correspondence with you.
                                                         change of address that involves a change in your
•    To deal with your requirements politely and         country of residence. By address is meant your
     effectively. Correspondence received will be        primary place of residence as disclosed in response
     acted on or discussed with you by telephone         to Section 2 of the application form.
     without delay.
•    To provide clarification or additional details      Complaints Procedure
     on any operational aspects of our products.         Scottish Widows Bank has in place an internal
                                                         complaints procedure, details of which can be
Customers With a Disability
                                                         obtained by telephone from our Customer Services
Scottish Widows Bank is committed to making its          staff on 0845 845 0829.
products and services available to everyone. Copies      Alternatively you can write to us at:
of our literature can be provided in large print or in   Customer Services Department
Braille and additional assistance is available to any    Scottish Widows Bank plc
customer upon request. If you have any special           PO Box 12757
requirements please contact our Customer Services        67 Morrison Street
staff in the first instance on 0845 845 0829.            Edinburgh EH3 8YJ
                                                         If we cannot settle your complaint with us,
                                                         you may be entitled to refer it to the Financial
                                                         Ombudsman Service.
For further information on the products and services provided by
Scottish Widows Bank, please call our Customer Service Staff on:



0845 845 0829

If calling from overseas:



00 44 131 655 2000

Or visit our website:



www.scottishwidowsbank.co.uk




                        Scottish Widows Bank plc. Registered Office: PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Registered in Scotland no. 154554.
                        Authorised and regulated by the Financial Services Authority. Our Financial Services Authority register number is 201601.
                        Confirmation can be obtained by visiting the Financial Services Authority website at www.fsa.gov.uk/pages/register/
                        48719 07/11

				
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