7. If you open an Account in joint names, instructions to change nominated bank account details must be authorised by both Account holders.

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1 Fixed Term Deposits Application form and guidance notes Applying for your Fixed Term Deposit Please carefully read the information on pages 1 and 2, and then complete the details requested on the application form (pages 3 and 4) in pen using BLOCK CAPITALS. Please then sign the Acknowledgement and confirmation on page 4 to confirm that you have read and accept the Customer Agreement Terms and Conditions (the Customer Agreement ), a copy of which has been provided with this application, and the additional conditions detailed on this application form and guidance notes below. Please send your completed application form, together with any documentation that we have requested (see Check list on page 2), to Close Brothers Limited at our address above. If you have any questions about your application, please call our Client Services team on (opening times: 9am - 5pm, Monday to Friday) who will be happy to assist you with your enquiry. About our Fixed Term Deposits Our Fixed Term Deposits pay interest annually and at maturity. This offer is limited and subject to availability. Please note that no early withdrawals are permitted. Interest will automatically be paid by electronic transfer to your nominated bank account annually and at maturity. Our Fixed Term Deposits (the Account ) are open to individual and joint customers depositing personal funds. All depositors must be UK residents aged 18 or over. Application is subject to availability and we may withdraw the offer at any time without notice. We reserve the right to refuse a deposit or decline to open an Account. For your application to be considered we must receive both your fully completed signed application form and cheque, electronic payment or alternatively an instruction to transfer funds from an account in your name with Close Brothers Limited. If your cheque is subsequently returned to us unpaid, your application may be rejected. The total amount you wish to deposit with us must be received by us in one single payment using one method only. Important information The Customer Agreement and additional conditions below form the standard client ag reement upon which we intend to rely. A copy of the Customer Agreement is provided with this application form or can be found on our website ( before agreeing to them by returning this application form to us. If you do not understand any point, please ask for further information. Copies of the Customer Agreement are also available upon request by telephoning Fixed Term Deposit - additional conditions All deposits placed with Close Brothers Limited, Close Brothers Savings are subject to our general Customer Agreement (as may vary from time to time) and to these additional conditions. If there is any conflict between the Customer Agreement and these additional conditions, these additional conditions will apply. The Customer Agreement (and these additional conditions) is the standard client agreement upon which we intend to rely. 1. You may not withdraw funds or deposit additional funds in the Account(s) during the term. Modern Merchant Banking Please retain pages 1 and 2 for your information and return pages 3 and 4 completed to Close Brothers Limited, PO Box 64390, 4th Floor, 10 Crown Place, London, EC2P 2GS. 2. Interest rates are reviewed on a weekly basis and are available on our website or by calling our Client Services team on The rate(s) applied to your account(s) will be the rate(s) advertised on our website ( on the date we receive your application and will be fixed until the first maturity date. Please note, we reserve the right to cancel your application if we do not receive all cleared funds within 5 working days of us receiving your application form. Customer Agreement.. We will not change any other condition except for a reason listed in condition of your 4. Interest is accrued daily at the agreed rate and is payable annually and at maturity. Interest payable on the Account(s) will be paid into the bank account nominated by you when you apply. Please note, interest is not compounded. Your confirmation will show the interest that you will earn over the term of the deposit. 5. Whenever a payment is due on a day that is not a working day in the UK, we will make that payment on the next working day. Interest will be calculated up to the end of the day prior to the day on which payment is made. 6. Tax at the lower rate will normally be deducted from the interest payable on deposits, unless a valid HM Revenue & Customs Form R85 is provided entitling you to receive interest gross. 7. If you open an Account in joint names, instructions to change nominated bank account details must be authorised by both Account holders. 8. Once we have accepted your application, you will not have a right to cancel this agreement. 9. You cannot close or amend the Account(s) before the maturity date. Once the account has been opened, you may not transfer it into another person s name, add another person or remove a person from the Account. 10. The minimum balance is 10,000 and the maximum balance is 2 million per account. 11. We will only accept one single remittance, using one payment method only. 12. Your account(s) will be opened within 10 working days of receipt of the completed application and cleared funds. However, we may require additional documentation for anti-money laundering purposes, in order to finalise our account opening procedure. At maturity We will write to you approximately four weeks prior to the maturity of your Fixed Term Deposit giving you notification of the options that are available at the time. If we have not received instructions from you on maturity, the principal deposit and the final year s interest will be repaid into your nominated bank account. Close Brothers Limited, PO Box 64390, 4th Floor, 10 Crown Place, London, EC2P 2GS Continued overleaf Page 1

2 Fixed Term Deposits Guidance notes continued Please retain pages 1 and 2 for your information Processing of applications We make every effort to process all applications as soon as we receive them, but in the event of high demand it can take up to 10 working days to open your account(s). Interest is payable upon receipt of cleared funds, which in the case of electronic transfers is the value date our account is credited. If you elect to deposit by cheque, kindly note we will not present your cheque for payment until our initial account opening procedures are completed. If your application is rejected, funds will be returned to you within 5 working days (from the date the application was rejected), by the same method in which they were submitted. How to send your funds to us By cheque: For applications in your sole name, your cheque must be drawn on a personal UK bank account either in your sole name or on a joint account to which you are a party. For applications in your joint names, your cheque must be drawn on a UK bank account either in your joint names or in either of your sole names. Building Society cheques will be accepted provided the funds originate from an account in your name, proof of source of funds must be provided in the form of a copy of a building society passbook or statement showing the account number and sort code. All cheques should be made payable to Close Brothers Ltd a/c re: account holder s name and sent to us with your completed application form to the address at the top of this form e.g. if the account was to be opened in the name of Mr John Smith, the cheque should be made payable to Close Brothers Ltd a/c re: Mr John Smith. ByElectronic electronictransfers transfer: should be sent to Close Br Electronic transfers should be sent to Close Brothers Limited using our direct Sort Code , quoting Account No and referencing your surname and postcode. Please send funds so they are available when we process your application. We require both completed application form and cleared funds in order to open your account. Please note that our clearing bank partner is Royal Bank of Scotland (RBS) and this may show up as the payee name when arranging payment to us. Deduction of tax on interest interest without the deduction of tax. A completed R85 form is required from each customer for each individual account held with Close Brothers Limited where tax is not to be deducted. For further guidance about this, please either contact your tax office or visit the following website: Your nominated UK bank account for repayments Please note that the account you nominate for repayments is the account to which we will make repayments of principal and interest from your fixed term deposit. For applications in your sole name, the account must either be in your sole name, or a joint account to which you are a named party. For applications in joint names, the account must either be in your joint names, or an account in either of your sole names. s, please enclose a photocopy of a recent bank statement dated within the last 3 months for your nominated account with the account holder s name, account number and sort code clearly visible or alternatively a paying in slip or a voided cheque. Please be advised that any originals may be retained for our records. Any changes to the nominated bank account must be received by us in writing and must be signed by all applicants who have signed this application form, at least 10 days prior to any repayments being made by us. Your request must be accompanied by a photocopy of a recent bank statement c Check list - please ensure that you enclose: Completed and signed application form (pages 3 & 4) A photocopy of your bank statement for your nominated bank, voided cheque or paying in slip Completed and signed cheque (if not paying by electronic transfer) Completed and signed Form(s) R85 (if applicable) Authority to Provide Information to a Financial Adviser Form (if applicable) About Close Brothers Limited Close Brothe rs Treasury and Close Brothers Savings are trading styles of Close Brothers Limited ( CBL ),a subsidiary of Close Brothers Group plc. CBL is registered in England and Wales with company number and registered office at 10 Crown Place, London EC2A 4FT. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number Proof of identity and address Under the current money laundering regulations, in common with other banks, we are required to verify your identity. To do this, we use the services of electronic data registers, including credit reference agencies. If we are not able to verify your identity by this method, we reserve the right to ask you to provide us with suitable documents s t application, and that we will also need to verify their identity. If you do not provide this, we reserve the right to close your account(s) and return your funds with no interest. Financial Services Compensation Scheme (FSCS) Close Brothers Limited (and our associated trading styles of Close Brothers Savings and Close Brothers Treasury) are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 75,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be 75,000 each (making a total of 150,000). The 75,000 limit relates to the combined amount in all the eligible depositors accounts with Close Brothers Limited, including their share of any joint account, and not to each separate account. For further information about the scheme (including the amounts covered and eligibility to claim) please call our Client Services team on , refer to the FSCS website or call or Please note only compensation related queries should be directed to the FSCS. Close Brothers Limited, PO Box 64390, 4th Floor, 10 Crown Place, London, EC2P 2GS Page 2

3 Modern Merchant Banking Fixed Term Deposits Application form Please complete this form in BLOCK CAPITALS and then return the form (pages 3 and 4 only) to Close Brothers Limited at the address listed Please tick if you are applying for a sole or joint account Sole account Joint account Personal account holder s details Are you an existing or previous customer? Yes No Existing customer number(ifapplicable) Title Forename(s) Surname Date of birth e.g. (21/02/1956) DD / MM / YYYY Nationality Occupation Town of birth Country of birth Current residential address (all correspondence issued by us will only be sent to this address) First lineof address Second line of address Area / District Town /City County Postcode Home telephone number Mobile telephone number address Previous residential address (only complete if you have lived at your current residential address for less than 2 years) First lineof address Secondline of address Postcode Joint account holder s details (if applicable) Are you an existing customer? Yes No Existing customer number (ifapplicable) Title Forename(s) Surname Dateof Birth e.g. (21/02/1956) DD / MM / YYYY Nationality Occupation Town of birth Country of birth Current residential address First line of address Second line ofaddress Area / District (if applicable) Town / City County Postcode Home telephonenumber Mobile telephone number address Previous residential address (only complete if you have lived at your current residential address for less than 2 years) First lineof address Second line of address Postcode FTD 02/2016 Close Brothers Limited, PO Box 64390, 4th Floor, 10 Crown Place, London, EC2P Continued overleaf Page 3

4 Interest rates are reviewed on a weekly basis and are available on our website or by calling our Client Services team on The rate(s) applied will be the rate(s) advertised on our website on the date we receive your application. Amount of your fixed term deposit (minimum of 10,000, maximum of 2 million) per account Please confirm the amount you are depositing for the 3 and/or 5 year term(s) by writing the amount in the relevant box(es). Additionally, please specify the interest rate you expect to receive for the term(s). The rate(s) applied to your account(s) will be the rate(s) advertised on our website on the date we receive your application (as stated in additional condition 2 on page 1 of this application form). Interest 3 year rate: 5 year Interest rate: detailed above will be sent to you by one single payment using one method only (1 payment per account). If you are sending funds electronically, please send payments to Account No , Sort Code referencing your name and postcode. All must be received within 5 working days of sending your application form in. Cheque as enclosed Faster payment BACS transfer CHAPS transfer Your nominated UK bank account for repayments of principal and interest (see Guidance notes) Please provide us with a UK bank account for repayments of principal and interest. We require you to provide evidence of this account, please see Your nominated bank account for repayments page 2. Bank name Account name (Payee name) Sort code (6 digits) Account number (8 digits) Roll number (if applicable) Financial and tax information (this section must be completed by the principal account holder) Please desc ribe how the funds for your initial deposit were acquired (e.g. sale of asset, inheritance) A. Are you solely a tax resident in the UK? B. Are you a US resident *? *If you are a US citizen, or a US green card holder, you are deemed to be a US resident If you selected No to A or Yes to B above, you are required to complete our Self-certification declaration form. Please return the Self-certification form to us with your application form. This form can be downloaded from our website or is available upon request by post. How did you hear about Close Brothers Savings and/or our Fixed Term Deposit product? from Close Brothers Data protection act 1998 Google search Data Protection Act 1998 Newspaper advert Online Moneyfacts Online Moneysupermarket Daily Mail (online Thisismoney) Please note that Close Brothers Limited will hold and use your personal information for the purposes of providing our services to you and for other purposes connected with our relationship with you, and we may share your personal information with others, including credit reference agencies and fraud prevention agencies, for certain purposes. Please see Condition 11 of your Customer Agreement ( How we use your information ), which describes the information we will be using and sharing, who we may share it with and the purposes that we and they will use it for. We may also use your personal information and share it with other companies within Close Brothers Group for us and them to send you information about products or services that we or they think may be of interest to you. By signing this application form you agree to this. If you do not want to receive marketing information from Close Brothers Limited in this context, please tick here. If you do not want to receive marketing information from other companies in our group, please tick here. Yes Yes No No (You are required to respond to both questions A & B) Other (please specify below) To opt-in please tick the box here. You may contact us at any time to ask us not to use your information in this way by writing to us either by at savings@closebrothers.com or by post at Client Services, Close Brothers Savings, 10 Crown Place, London EC2A 4FT.. Financial Services Compensation Scheme ( FSCS ) Information Sheet and Exclusions List (mandatory) I confirm receipt of the enclosed FSCS Information Sheet and Exclusions List. Name of applicant: Signature of applicant: PIease note, we cannot accept your deposit without receipt of this signed acknowledgement. I/We apply to open the Account(s) as indicated on this application form. I/we accept the Customer Agreement and any additional conditions contained in this application form (including guidance notes), and confirm that the details given by me/us on this application form are correct and will remain in force until such time as you have received notice from me/us in writing to the contrary, together with any necessary revised documentation required by you. I understand that the account(s) may tak e up to 10 working days to open and interest will be paid from the date the bank receives cleared funds, in the case of cheque deposits from two working days after the day the cheque is banked. Signature (first applicant - account holder) Signature (joint account holder) (if applicable) Name (BLOCK CAPITALS) Date Name (BLOCK CAPITALS) Date C B S Close Brothers Limited, PO Box 64390, 4th Floor, 10 Crown Place, London, EC2P 2GS Page 4

5 Modern Merchant Banking Financial Services Compensation Scheme Information Sheet and Exclusions List Please retain this FSCS Information Sheet and Exclusions List for your records. Basic information about the protection of your eligible deposits Eligible deposits in Close Brothers Limited are protected by: 1 the Financial Services Compensation Scheme ( FSCS ) Customer copy (please retain) Limit of protection: 2 75,000 per depositor per bank / building society / credit union The following trading names are part of your bank / building society / credit union: Close Brothers Treasury and Close Brothers Savings are trading styles of Close Brothers Limited ( CBL ), a subsidiary of Close Brothers Group plc. If you have more eligible deposits at the same bank / building society / credit union: If you have a joint account with other person(s): Reimbursement period in case of bank, building society or credit union s failure: Currency of reimbursement: To contact Close Brothers Limited for enquiries relating to your account: To contact the FSCS for further information on compensation: All your eligible deposits at the same bank / building society / credit union are aggregated and the total is subject to the limit of 75, The limit of 75,000 applies to each depositor separately. 20 working days4 Pound sterling (GBP, ) or, for branches of UK banks operating in other EEA Member States, the currency of that State. Close Brothers Limited 4th Floor 10 Crown Place London EC2A 4FT Tel: Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Tel: or ICT@fscs.org.uk More information: Additional information 1Scheme responsible for the protection of your deposit Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank, building society or credit union should occur, your eligible deposits would be repaid up to 75,000 by the Deposit Guarantee Scheme. 2 General limit of protection If a covered deposit is unavailable because a bank, building society or credit union is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum 75,000 per bank, building society or credit union. This means that all eligible deposits at the same bank, building society or credit union are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with 80,000 and a current account with 20,000, he or she will only be repaid 75,000. This method will also be applied if a bank, building society or credit union operates under different trading names. Close Brothers Limited also trades under Close Brothers Treasury and Close Brothers Savings. This means that all eligible deposits with one or more of these trading names are in total covered up to 75,000. In some cases eligible deposits which are categorised as temporary high balances are protected above 75,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including: (a) (b) (c) certain transactions relating to the depositor s current or prospective only or main residence or dwelling; a death, or the depositor s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity; the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction. More information can be obtained under Page 1 of 2 Continue overleaf

6 3Limit of protection for joint accounts In case of joint accounts, the limit of 75,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of 75,000. 4Reimbursement The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: or , ICT@fscs.org.uk. It will repay your eligible deposits (up to 75,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply. Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating costs (in the case of a depositor which is not an individual or a large company) within 5 working days of a request. Again, there are specific exceptions to this obligation. In the case of a depositor which is a large company, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 December 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. In the case of a depositor which is a small local authority, where the FSCS cannot make the repayable amount available within 7 working days, it will, from 3 July 2015 until 1 June 2016, ensure that you have access to your covered deposits within fifteen working days of a request containing sufficient information to enable it to make a payment, save where specific exceptions apply. If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under Other important information In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank, building society or credit union will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank, building society or credit union shall also confirm this on the statement of account. Exclusions list A deposit is excluded from protection if: (1) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank, building society or credit union. (2) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering. (3) It is a deposit made by a depositor which is one of the following: credit institution financial institution investment firm insurance undertaking reinsurance undertaking collective investment undertaking pension or retirement fund1 public authority, other than a small local authority. The following are deposits, categories of deposits or other instruments which will no longer be protected from 3 July 2015: deposits of a credit union to which the credit union itself is entitled deposits which can only be proven by a financial instrument 2 unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014) deposits of a collective investment scheme which qualifies as a small company 3 deposits of an overseas financial services institution which qualifies as a small company 4 deposits of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small company 5 refer to the FSCS for further information on this category For further information about exclusions, refer to the FSCS website at 1 Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not excluded 2 Listed in Section C of Annex 1 of Directive 2014/65/EU 3Under the Companies Act 1985 or Companies Act See footnote 3 5See footnote 3 Page 2 of 2