THE ADAM BLACK CARD AN INTRODUCTION

THE ADAM BLACK CARD AN INTRODUCTION

Helping busy successful people do more At Adam & Company we understand that our clients come from diverse backgrounds, but we also know that they share a number of distinguishing features: busy, successful and often pioneering individuals. It s with this in mind that we have designed the Adam Black Card. Available exclusively to Adam clients, the Adam Black Card comes with a number of benefits which can be enjoyed for no annual card fee when a certain level of spend is achieved. We understand that when it comes to managing finances, flexibility and control are important. That s why we ve made it easy for you to nominate one Adam Black Secondary Cardholder who can automatically enjoy all the same benefits as you at no extra cost. And you aren t limited to just one additional cardholder. You may request up to six additional cards* with a choice on whether to apply the same privileges and benefits, so it s perfect for other family members or those that closely help you with your day to day affairs. When you travel, the Adam Black Card opens new doors and brings a discreet touch of red carpet treatment as you go. It also gives you access to Adam Concierge - the next best thing to having your own personal assistant. Adam Concierge is on hand to help at short notice, whether you want to reserve a table at a restaurant, find the right exclusive travel destination or purchase hard-to-get tickets for an event. * There may be an Additional Card fee depending on whether you wish to apply for an Additional Card with or without benefits. Please refer to the Summary Box for further detail.

Better tailored to your life The Adam Black Card could meet your needs in a convenient and effective way: Priority Pass - your Adam Black Card comes with complimentary membership to Priority Pass, which provides unlimited free access to over 700 executive airport lounges worldwide. Worldwide travel insurance benefits - when you use your Adam Black Card to pay for your travel arrangements, you and your family can enjoy full travel protection for up to 93 days on your trips abroad and up to 28 days winter sports cover. This insurance is administered by Cigna Insurance Services (Europe) Limited and underwritten by Cigna Europe Insurance Company S.A.-N.V. Adam Concierge - a single source of worldwide expertise, available 24/7 for whatever you need, whenever you need it. Further details of the insurance benefits are included in the policy summaries.

Keeping you in control There are many practical advantages that come with your Adam Black Card. Additional cards - you may request up to six additional cards on your account with the choice of providing those cardholders with the same privileges and benefits as you. Fees may apply for Additional Cards - please refer to the Summary Box for further detail. Tailored spending limits - with each additional card you can allocate an individual spending limit within your agreed credit limit, which means you can tailor each of the individual cards to meet your family s needs. Each card will have a unique card number, so if any of the cards on the account are lost or stolen only the individual card will need to be replaced. The spend on each card will be itemised by cardholder on a single statement and sent to you each month.

A Scottish brand Founded in Scotland in 1983, we ve always been extremely proud of our Scottish heritage and values. This is why we ve chosen a discreet design for the Adam Black Card created by Scottish Walpole brand Timorous Beasties. Noted for surreal and provocative textiles and wallpapers, design studio Timorous Beasties was founded in Glasgow in 1990 by Alistair McAuley and Paul Simmons. The name Timorous Beasties is taken from the poem To a Mouse by Scotland s bard, Robert Burns. The design used for the Adam Black Card celebrates the Grand Thistle Hand-print wallpaper which is one of their most exclusive products. You and Adam Adam is about you.your life, your ambitions, your business, your family. If you think the Adam Black Card is for you, simply complete the Adam Black Card application form and return it to your Private Banker. The Adam Black Card is available exclusively to Adam Private Banking clients who are UK resident and over the age of 18. Representative 45.6% APR (variable)

IMPORTANT INFORMATION REPRESENTATIVE EXAMPLE Representative 45.6% APR (variable) based on an assumed Credit Limit of 1,200. Interest rate for purchases: 14.71% p.a. (variable) Annual Card fee: 200 Summary Box The information contained in this table summarises the key product features and is not intended to replace any terms and conditions. APR Interest rates Interest free period Interest charging information Representative 45.6% APR (variable) For purchases, cash advances and balance transfers: Monthly rate 1.15% Annual rate 14.71% (This interest rate is an effective rate) Maximum 46 days if you pay your balance in full and on time, and have paid the previous month s balance in full and on time. You will not pay interest on purchases if you pay your balance in full and on time, and have paid the previous month s balance in full and on time. Otherwise, the period over which interest is charged will be as follows: From Until Allocation of payments Minimum repayment Purchases and cash advances Date debited to your account Repaid in full If you do not pay your balance in full, payments we receive will be allocated to pay the most expensive debt first. See section 14 of your Credit Card Agreement for full details. The greater of any annual fee (if due and no rebate applies), interest and 5% of the remaining balance; or 5 each month. If your balance is less than 5 you must pay the full balance. Credit limit Minimum credit limit 10,000 Fees Maximum credit limit Subject to status Annual fee 200 payable in arrears applied unless at least 50,000* is debited to the Account in the 12 months from account opening and then annually thereafter. One Adam Black Secondary Cardholder may be nominated free of charge. A fee of 100 applies to each further Adam Black Secondary Card, which is charged in advance and then annually thereafter. *Excluding cash, foreign currency, travellers cheques, balance transfers, interest and charges. Charges Cash Fee 2% (subject to a minimum of 1.50) Duplicate statement 4 per request Foreign usage Payment Scheme Exchange Rate Rates can be found at www.mastercard.com/global/currencyconversion Default charges One or more of the following may apply: Non-Sterling Transaction Fee 2.75% of transaction Cash Fee 2% (subject to a minimum of 1.50) None Adam & Company subscribes to the Lending Code, a copy of which is available on request. Credit: Over 18s only. Your relationship for the Adam Concierge Service will be with Ten Lifestyle Management Limited (Ten), Ten Group London, 2nd Floor, Fitzroy House, 355 Euston Road, London NW1 3AL. Registered No. 4688658. Ten, rather than Adam & Company, is solely responsible for providing the services as agreed with you. Information is correct at the time of going to press (December 2014), but services are subject to withdrawal or variation at any time without further notice to the cardholder. Adam & Company plc registered in Scotland Number 83026. Financial Services Firm Reference Number 114724. Registered Office 25 St Andrew Square Edinburgh EH2 1AF. Adam & Company plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded. adambank.com ADAM95378 (12/14) Images shot at Timorous Beasties workshop, Glasgow. www.timorousbeasties.com