The Charity Bank ISA - Third Edition Personal account application Please complete in block capitals and return this form to: Charity Bank, Fosse House, 182 High Street, Tonbridge, Kent TN9 1BE FOR OFFICE USE Account number - - - 1. Charity Bank Cash ISA I would like to open the account with minimum 250, maximum 15,240 Please supply one of the following with your application; I have enclosed a cheque made payable to Charity Bank your own name, drawn on my personal bank account or, I have enclosed a copy of my recent personal bank statement, to allow my funds to be transferred electronically once my account is opened 2. Personal Details Title (Mr/Miss/Ms/Mrs/Other) Full Name Address Postcode How long at that address? If you have been a resident at this address for less than 3 years, please supply previous address details below. Home Telephone No. Mobile No. Email Date of Birth (dd/mm/yyyy) Place & Country of Birth / / National Insurance number You should be able to find your NI number on your payslip, form P45 or P60, a letter from the HMRC, DWP or pension order book. Where did you hear about Charity Bank? Are you an existing customer? Yes No If yes, please state an existing account number
3. Use of information Charity Bank will use your information to provide the products or service you have requested. We will not disclose your information to any outside organisation except as part of providing that product or service or when legally advised to do so. We will not share your details for marketing by third parties. We keep the Charity Bank community up to date with our news, offers and events (including visits to borrowers and our annual open meeting), information about our products and services and stories about the charities and social enterprises we support. If you do not wish to receive such information, including invitations to events and news updates, please indicate here Please indicate how you would prefer to receive communications via post via email Where did you hear about Charity Bank? 4. Deposit Guarantee Scheme: Eligibility Please acknowledge receipt of the Deposit Guarantee Scheme: Information Sheet. 5. ISA Declarations (please tick as appropriate). I apply to subscribe for a Cash ISA for the tax year 2015/2016 I declare that All subscriptions made, and to be made, belong to me; I am 16 years of age or over; I have not subscribed and will not subscribe more than 15,240 in total into an ISA in a tax year; I have not subscribed and will not subscribe to another ISA in the same tax year that I subscribe to this cash ISA; and I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such duties. I will inform The Charity Bank Limited if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties I authorise The Charity Bank Limited To hold my cash subscription, ISA investments, interest, dividends and any other rights or proceeds in respect of those investments and any other cash. To make on my behalf any claims to relief from tax in respect of ISA investments. I agree to the ISA terms and conditions and I declare that this application has been completed correctly to the best of my knowledge and belief. General declarations: I agree to Charity Bank's general Terms and Conditions. (please refer to the website www.charitybank.org/terms or contact the Customer Services team on 01732 441944 or enquiries@charitybank.org) Signature Date / / The Charity Bank Limited, Fosse House, 182 High Street, Tonbridge, Kent TN9 1BE. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and theprudential Regulation Authority No. 207701. Member of the Financial Services Compensation Scheme (FSCS). Company registered in England and Wales No. 4330018. v.121015
Deposit Guarantee Scheme: Information Sheet (New accounts) Basic information about the protection of your eligible deposits Eligible deposits in The Charity bank Ltd are protected the Financial Services Compensation Scheme ( FSCS ) 1 by: Limit of protection: 75,000 per depositor per bank / building society / credit union. 2 If you have more eligible deposits at the same bank / All your eligible deposits at the same bank / building building society / credit union: society / credit union are aggregated and the total is subject to the limit of 75,000. 2 If you have a joint account with other person(s): The limit of 75,000 applies to each depositor separately. 3 Reimbursement period in case of bank, building 20 working days. 4 society or credit union s failure: Currency of reimbursement: Pound sterling (GBP, ) To contact The Charity Bank Ltd for enquiries relating to your account: The Charity Bank Ltd Fosse House 182 High Street Tonbridge Kent TN9 1BE Tel: 01732 441900 Email: enquiries@charitybank.org To contact the FSCS for further information on compensation: More information: Acknowledgement of receipt by the depositor: Financial Services Compensation Scheme 10th Floor Beaufort House 15 St Botolph Street London EC3A 7QU Tel: 0800 678 1100 or 020 7741 4100 Email: ICT@fscs.org.uk http://www.fscs.org.uk Please refer to the tick box on the application form.
Additional information 1 Scheme responsible for the protection of your eligible 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. 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) certain transactions relating to the depositor s current or prospective only or main residence or dwelling; (b) a death, or the depositor s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity; (c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction. More information can be obtained under http://www.fscs.org.uk 3 Limit 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. 4 Reimbursement The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: 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 (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. 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 http://www.fscs.org.uk. 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 (up to and including 31 December 2016) 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, 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 fund 1 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 www.fscs.org.uk 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 3 Under the Companies Act 1985 or Companies Act 2006 4 See footnote 3 5 See footnote 3