A guide to all your Current Account benefits.

A guide to all your Current Account benefits.

Contents Things you need to know 3 Worldwide Travel Insurance 5 AA Breakdown Cover 7 Mobile Phone Insurance 9 Identity Monitor 11 Card Loss Assistance 12 600 interest and fee-free overdraft 13

Things you need to know Here s a useful summary of your Private Banking Premier Current Account benefits, along with some important limitations and exclusions to be aware of. For full details, please see the benefit terms and conditions included in your welcome pack. Please note we are acting for and on behalf of the insurer(s) when marketing, offering and selling insurance products. Your benefit Key benefits Things to be aware of Insurance benefits Worldwide Travel Insurance Comprehensive cover, including: A Emergency medical cover (up to 10,000,000) A Cancellation or curtailment cover (up to 10,000) A Personal accident cover (up to 100,000) A Baggage cover (up to 5,000) A Multi-trip A Worldwide travel covered (up to 62 days per trip) A Includes family cover A Covers winter sports A Travel disruption cover (up to 10,000) Cover stops on your 80th birthday Medical conditions you have, or have had that are not on the no screen conditions list (see Travel terms and conditions booklet) must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the medical conditions). Please note that if the insurer agrees to cover you, it is your responsibility to update the insurer annually upon receipt of a reminder and before booking a trip if your health has changed The standard maximum trip duration is 62 consecutive days 40 excess may apply For family cover children need to be under 18 or under 24 and in full time education and need to be travelling with you or a Responsible Adult. Your partner is the Account holder's spouse, civil partner or partner. Winter sports maximum 31 days cover in any calendar year. Covers UK travel when you have pre-booked at least 2 consecutive nights paid accommodation on a holiday/pleasure trip, or at least 5 consecutive nights paid accommodation on a business trip Only covers losses suffered whilst you are a United Kingdom resident and must be registered with a medical practitioner in the United Kingdom If following a medical screening We do not provide cover for the Medical Condition(s) that You tell Us about We will not provide cover for any of those Medical Conditions, even if one or more of them is a No Screen Condition. Refer to your Travel terms and conditions booklet for important information on eligibility criteria including medical conditions which are not covered 3

Your benefit Key benefits Things to be aware of AA Breakdown Cover Mobile Phone Insurance Other benefits A A A A A A Roadside Assistance Home Start Relay Stay Mobile Accident Management Customer covered, not the vehicle Insure up to two phones on a sole account, up to three phones on a joint account Repair or replacement phone up to a maximum value of 2,000 (including VAT) Covers loss, theft, damage or breakdown (including faults) in the UK and abroad Service is only available in the UK, Channel Islands and Isle of Man Maximum five call-outs per 12-month period (seven for a joint account) for the first year of cover. This increases after the first year to seven call-outs for a sole account, and nine for a joint account Service will not be provided where the fault has been identified by the AA for a breakdown of the same vehicle within the preceding 28 days and has re-occurred because of the Account holder s failure to act upon the AA s recommendation Does not provide for any vehicle recovery following an accident but can help arrange it Registering your handset is recommended An excess of 100 for Apple iphone claims and 50 for all other handsets for each successful claim made Theft, loss, damage or breakdown where you have knowingly put your mobile phone at risk or you have not taken care of it may not be covered. Examples are provided in the What you are NOT covered for section of the Policy Document We only pay for unauthorised network charges from the point your mobile phone is lost or stolen and for up to 24 hours after you discover the loss or theft. If you do not tell your airtime provider within 24 hours you will be responsible for any further charges Card Loss Assistance Identity Monitor With one call day or night, Card Loss Assistance can arrange to cancel all financial cards and request replacements Helps you spot the early warning signs of identity theft Regular text or email alerts Dedicated case worker if the worst happens To register go online via the account benefits tab or call 0800 064 0402 4

Worldwide Travel Insurance A family-sized policy with winter sports cover When you re planning a trip, your Private Banking Premier Current Account includes comprehensive Worldwide Travel Insurance for you and your family, provided by AXA Insurance UK plc with winter sports cover. A Take as many trips as you like. A You and your family are covered for up to 62 consecutive days per trip (31 days per calendar year for winter sports). A New-for-old replacement on baggage under two years old if it s lost or stolen. A Both business and leisure trips are covered. A Choose from a range of upgrades. A You can request cover for medical conditions (not on the list of no screen conditions) for an extra premium. Helping you in an emergency For customer service and claims assistance within the UK, please call: The Travel Insurance Helpline 0345 604 0477 Claims 0345 604 0477 Customer service lines are open 8am to 8pm Monday to Friday and 9am to 5pm Saturday. Claim lines are open 8am to 8pm Monday to Friday and 9am to 5pm Saturday, calls outside of these hours can still be dealt with by the Travel Insurance Helpline. Calls may be recorded and monitored. Please note that if the insurer agrees to cover you, it is your responsibility to update the insurer annually upon receipt of a reminder and before booking a trip if your health has changed. 5

Check you re covered Travellers under 80 years old and resident in the UK are eligible. Please tell us about any medical conditions affecting anyone covered by your policy. Refer to your Travel terms and conditions booklet for important information on medical conditions and for eligibility criteria. Your policy details There s no paperwork to complete as your policy number is your Private Banking Premier sort code and account number. Waive your excess An excess of 40 applies per claim, but an excess waiver upgrade may be available instead. To find out more, please call 0345 604 0477. Remember to pack your policy It s a good idea to take your Travel terms and conditions booklet with you when you travel. You ll find your copy in this welcome pack. For extra protection To extend your trip cover read the information in your Travel terms and conditions booklet then call the Travel Insurance Helpline on 0345 604 0477 before you travel. 6

AA Breakdown Cover No matter whose vehicle you re in, whether you re the driver or a passenger, you re covered by the AA the UK s No.1 choice for breakdown cover. Your Private Banking Premier Current Account automatically includes AA Roadside Assistance, Home Start, Relay and Stay Mobile. So whether you break down at home or on the road, help is only a phone call away. No wonder we rescue a driver every two minutes. A Roadside Assistance Assistance at the roadside if you are broken down more than a quarter of a mile from home. Tow to the AA s choice of relevant local repairer (or nearest charge point for an electric vehicle which has run out of charge) for you, your vehicle and up to seven passengers if the AA is unable to fix your vehicle at the roadside or to a local destination of your choice, provided it is no further. A Relay Recovery to any single UK destination of your choice if the AA is unable to fix your vehicle at the roadside or arrange a prompt local repair. A Home Start Provides the benefits outlined under Roadside Assistance, if you break down at or within a quarter of a mile from home. A Stay Mobile Choice of onward travel options if the AA is unable to fix your vehicle at the roadside or arrange a prompt local repair. Options include replacement vehicle hire for up to 72 consecutive hours, public transport costs or overnight accommodation. 7

Accident Management Service If you have an accident call AA Accident Management Service direct on 0800 294 9766. Assists in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you are claiming under your motor insurance. If you break down or have an accident Call the Private Banking Telephone Banking Service and we ll put you through to the AA or call the AA direct on 0800 980 6645. Belt and braces For even greater protection, call the AA on 0800 975 7907 to upgrade your policy to include Breakdown Repair Cover or European Breakdown Cover. You ll find the terms, conditions and limitations of your cover in the AA policy document in this pack. Why not keep it in your vehicle so you have it to hand when you need it. You ll be asked for your Premier Membership Number (your sort code and account number) and you may need to show your Visa debit card when your AA patrol arrives. Text messaging is available for use by deaf, hard of hearing or speech impaired customers in a breakdown situation by sending a text message to 07900 444 999. 8

Mobile Phone Insurance Why you won t be lost if you lose your phone Good news. Your Private Banking Premier Current Account comes with Mobile Phone Insurance and your phones are covered wherever you are in the world. Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance, covers up to two phones for a sole Premier Account holder while joint account holders can insure up to three phones at the same address. To benefit from cover, the mobile phone must be owned by you, and be the responsibility of you, your partner or a dependent child. A dependent child is one who is under the age of 18 or under 24 and in full-time education. We ll repair or replace your handset up to the original retail value of 2,000 (including VAT) if: A Your phone is damaged or suffers electrical or mechanical breakdown. A You're even protected against unauthorised network charges (e.g. calls, data etc,) made on a lost or stolen phone for up to 1,500 (including VAT) for contract phones and up to 450 (including VAT) on prepaid and pay-as-you-go phones. A We only pay for unauthorised network charges from the point your mobile phone is lost or stolen and for up to 24 hours after you discover the loss or theft. If you do not tell your airtime provider within 24 hours you will be responsible for any further charges. There s an excess of 100 for Apple iphone claims and 50 for all other handsets for each successful claim made. A It s lost or stolen and you report it to the police and get an incident reference number. A It s lost or stolen and you report it to your network provider and block your handset. 9

Register your handset(s) now To help us administer your policy more effectively, you can provide us with your mobile phone details. For example, it can help simplify the claims process if you have already registered your phone details. To register you can: Visit the account benefits tab through Internet Banking or call 0345 674 3263 with this information handy: A Your Private Banking Premier Membership Number (your sort code and account number) A The make, model and number of the phone(s) you want to register A The IMEI number for each phone (dial *#06# on your keypad to find this code). Don t worry if you don t know this information. Just have your mobile with you when you call and we ll help you find it. Once you ve registered, we ll send you an insurance certificate or confirmation text; if you don t receive this within 15 days, please call 0345 674 3263. Changing your phone? Don t forget to contact us to register your new details this will speed up the process if you ever need to make a claim. 10 How to make a claim If your phone is lost or stolen Contact your mobile network as soon as possible after discovery so they can block your SIM card. Report it to the police and get an incident reference number. Make your claim to us by visiting the account benefits tab through Internet Banking or by calling 0345 674 3263. If your phone is damaged Report the incident to us by visiting the account benefits tab through Internet Banking or by calling 0345 674 3263. If we need you to send your phone to us, we ll let you know. You ll find all the terms, conditions and limitations of your cover in your policy document that comes with this welcome pack.

Identity Monitor Helping you stay in control of your personal data and your credit status Make sure your personal data stays just that personal. As your Private Banking Premier Current Account includes Identity Monitor, you ll be able to spot the signs of ID theft early enough to take action. What s included Your Experian Credit Report unlimited access, so that you can check your report at any time and keep up to date with your credit history. Credit Report Alerts Email or text alerts to let you know about certain changes to your Experian Credit Report, which may indicate identity fraud. Fraud Risk Assessment This optional assessment comes with easy-to-follow recommendations to help you protect yourself against ID theft. Fraud Caseworker If you are affected by ID theft, a dedicated case worker will help you put things right. How to register Visit the Account Benefits tab on your Internet Banking, click the Identity Monitor link and complete the online registration. Once you ve completed it, and we ve checked and confirmed your identity, we ll activate this service. Your Experian Credit Score based on your Experian Credit Report, this score gives you an indication of how lenders may assess you. You ll find all the terms, conditions and limitations of your cover in your policy document that comes with this welcome pack. 11

Card Loss Assistance The straightforward way to keep all your cards safe If your cards are lost or stolen, help is at hand. Just one call and Card Loss Assistance (provided by Citymain Administrators Ltd) will arrange to cancel your cards, wherever in the world you may be. And it s not just your Bank of Scotland cards any bank or store cards can be cancelled too. That means you can avoid the hassle of trying to recall your card details and arranging to have them cancelled individually. Registering your cards Citymain will arrange to cancel your debit, credit and store cards whether you re registered or not. However to help us administer your membership more effectively, for example, if you need to cancel your cards, we recommend you register. To do this visit the Account Benefits tab in Internet Banking or call 02394 000 971. If your cards are lost or stolen, call 02394 000 971. You must be a UK resident to be eligible for Card Loss Assistance. How Card Loss Assistance works A If your cards are lost or stolen, report them to Citymain. They ll tell your card providers to cancel the cards straight away and arrange replacements. You ll find all the terms, conditions and limitations of your cover in your policy document that comes with this welcome pack. 12

600 interest and fee-free overdraft Preferential overdraft terms for Private Banking Premier Current Account holders As a Private Banking Premier Current Account holder you can benefit from a 600 interest and fee-free overdraft, subject to application and approval. This means you can borrow up to 600 without paying any overdraft fees or interest. If you already have a Planned Overdraft, the first 600 will now automatically be interest and fee-free. We may also be able to extend your existing Planned Overdraft limit, although you ll pay a Monthly Overdraft Usage Fee and interest on any increased amount over 600. If you go over your agreed Planned Overdraft, we may let you cover these payments by granting you an Unplanned Overdraft. Representative Example If you use a Planned Overdraft limit of 1,200 on our Private Banking Premier Current Account the interest rate we charge on the first 600 will be 0% EAR variable and the interest rate on the next 600 will be 10.96% EAR variable. A monthly usage fee of 6 applies for Planned Overdrafts over 600. EAR is the equivalent annual rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. There are charges for using an Unplanned Overdraft, which you ll find in our Private Banking Premier Current Account Guide to charges where you can also find our definitions of what we mean by a Planned and an Unplanned Overdraft. If you ve only gone into an Unplanned Overdraft or beyond your interest and fee-free limit by 25 or less, we ll provide a 25 buffer, which means you will not be charged any fees but you will be charged debit interest on that amount. 13

14 Breathing space with the Grace Period Grace Period Occasionally you may go over your limit by more than your 25 buffer. If this ever happens, we ll give you some time during the day to put things right. All you have to do is make sure you correct the overdrawn balance on your account by 3:30pm (UK time) on the same day, to avoid any Returned Item Fees, and before midnight (UK time) on the same day to avoid overdraft interest and fees that you may incur for that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking, Telephone Banking or pay in cash at any branch. Sign up for free Mobile Banking and we ll send you Text Alerts when you re near your account limit. Find out more in Useful tips for managing your account. Please note that we don t charge you for Mobile Banking, but your mobile operator may charge for some services. Please check with them. All overdrafts are subject to a review of your circumstances and are repayable in full on demand.

Important telephone numbers The Private Banking Telephone Service 0345 711 1111 From abroad + 131 243 7109 Card Loss Assistance 02394 000 971 AA Breakdown Cover 0800 980 6645 Identity Monitor 0800 064 0402 Mobile Phone Insurance 0345 674 3263 Travel Insurance: From the UK: 0345 604 0477 From overseas: +44 1633 815 819 8am 8pm Monday to Saturday, 9am 5pm Sunday (Helpline) For claims: 0345 604 0477 8am to 8pm Monday to Friday, 9am to 5pm Saturday UK fax numbers: Customer Service: 0845 603 1659 Claims: 0345 603 1660 Pre Travel Information/Homewatch/ Legal Assistance 0345 603 1662 24 Hour Overseas Assistance Helpline Worldwide +44 1633 815 819 Fax +44 1633 815 866 Please note calls may be recorded and monitored. Call charges may vary depending on your Service Provider. 15

If you would like this in another format such as large print, Braille or audio please ask in branch. We ve designed your Private Banking Premier Current Account to make life easier. If there s anything we can do to help, please let us know. Call us on 0345 711 1111 Or speak to your Private Banking and Advice Manager. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on 0345 600 9644 (lines are open 9am to 5.30pm, 7 days a week). If you are Deaf you can use BSL and the SignVideo service available at bankofscotland.co.uk/accessibility/signvideo If you need to call us from abroad, you can also call us on +44 131 243 7109. Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Important information For more information visit us at: bankofscotland.co.uk Cashpoint is a registered trademark used under licence by Bank of Scotland plc. iphone is a trademark of Apple Inc., registered in the U.S. and other countries. Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under number 169628. We subscribe to the Lending Code; details can be obtained from www.lendingstandardsboard.org.uk Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are covered by the Financial Ombudsman Service. All information correct as of February 2016. BoSPB080 02/16