Terms and conditions

Use of website

1 The information about the Secure Messaging Service on this website is intended for use by residents of the UK only, and is not aimed at or intended for use by residents of any other jurisdiction. If you want more information about anything on this site, please contact your relationship manager.

Exclusion of liability

2 While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

3 Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

4 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.

Personal Data

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

Copyright

6 This website is copyright "©" The Royal Bank of Scotland plc. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited save for the following express licence. You are granted a non-exclusive non-transferable licence to download and print the Secure Messaging User Application Form and associated documentation for the purpose of making an application to us and for no other purpose.

Trade marks

7 This website contains numerous trade marks belonging to The Royal Bank of Scotland plc and other companies in The Royal Bank of Scotland Group. The registered trade marks include, but are not limited to, The Royal Bank of Scotland logo, The Royal Bank of Scotland, RBS, Ryoden, Highline and Catalina. The unregistered trade marks include graphics, logos, words, phrases and icons contained on this website, including, but not limited to, Royalties and Direct Saver. Subject to Clause 6, no rights are granted in respect of any trade marks. If you are in doubt as to whether an item is a trade mark of The Royal Bank of Scotland plc or a member of The Royal Bank of Scotland Group, please contact us for clarification at the address below.

The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Advice

8 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way. The fact that information, products or services are shown on this site does not necessarily mean that the products and services we provide are suitable for you. It is your responsibility to verify this.

Regulatory Information

9 The Royal Bank of Scotland plc is authorised and regulated by the Financial Services Authority. The Bank is entered in the FSA's Register and its Register number is 121882. The FSA's Register can be accessed at www.fsa.gov.uk/register/. The Bank's registered VAT number is GB 243852752.

10 The Royal Bank of Scotland Plc is 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. Compensation limits apply:

Deposit taking firms - maximum £35,000 per person (100% of claim)

Insurance firms - first £2,000 of an insurance claim or policy is covered in full, plus 90% of the balance. (Compulsory insurance covered in full)

Investment firms - up to £48,000 per person (100% of £30,000 and 90% of next £20,000)

FSCS can be contacted by telephone on 020 7892 7300 or by writing to FSCS, 7th Floor, Lloyds Chambers, 1 Portsoken Street, London, E1 8BN.

Mortgage advice and arranging - up to £48,000 (100% of £30,000 and 90% of next £20,000)

11 The Royal Bank of Scotland plc subscribes to the Banking Code and Business Banking Code. If you would like a Banking Code or Business Banking Code leaflet ask a member of staff at any branch. Full details of the Code are also available from the British Bankers' Association {LINK TO WWW.BBA.ORG.UK}.

12 If you are not satisfied with any of The Royal Bank of Scotland's products or services we have a complaint- handling procedure that you can use to resolve such matters. For more information about this procedure, please contact us.

The Bank is a member of The Financial Ombudsman Service. If you are still not satisfied after following the Bank's procedures, you can ask the Ombudsman to review the complaint.

You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning the Bank. Alternatively you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.

Governing Law

13 If your registered office or principal place of business is located in Scotland, this Agreement shall be governed by the laws of Scotland and the parties agree to submit any dispute relating to it to the courts of Scotland. If your registered office or principal place of business is located elsewhere, this Agreement shall be governed by the laws of England & Wales and the parties agree to submit any dispute relating to it to the courts of England & Wales.

Changes to website

14 The contents of this website, including these terms and conditions of use, are subject to change by us without notification. Telephone Calls

15 When you speak to us on the telephone, some calls may be recorded in case we need to check that we have carried out your instructions correctly and to help improve our quality of service. Internet communications

16 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, The Royal Bank of Scotland Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity at Work and Information Security policies.