Royalties Gold

• Travel - 5 star Defaqto rated worldwide multi-trip family travel insurance and holiday discounts.
  
• Protection - mobile phone insurance, car breakdown cover, identity theft protection, home emergency cover, extended warranty and great home and car insurance discounts.
• Entertainment - 25% off (up to 6 tickets per event) selected concerts, events, shows and more - when you book through Royalties Membership Services (subject to availability).
• Banking - tailored rates on overdrafts, mortgages, loans, credit cards. Plus cover if your debit or credit cards are lost or stolen
  
  
• The monthly subscription for the Royalties Gold current account is £12.95.
  
  
• Our Royalties Guarantee
• With our Royalties Guarantee in the unlikely event that you are not satisfied with the benefits in the first 60 days of account opening you will be entitled to a refund of all subscription fees that you have paid.
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• 5 Star Defaqto Worldwide multi-trip family travel insurance - cover for you, your spouse or partner and children aged 18 or under if they are unmarried (or aged 23 or under if in full-time education), permanently residing with the account holder (children are only covered when travelling with an adult insured under this Policy). Members and their partners aged 70 years and over must pay an additional annual premium of £50. Full Terms and Conditions apply.
• Travel Service – up to 10% off - selected holidays and flights when you book through Royalties Membership Services.
• UK airport executive lounges - complimentary access to selected UK lounges, including Heathrow, Gatwick, Manchester, Edinburgh and Glasgow. Available when you book travel through Royalties Travel Booking Service (a Royalties Gold extra benefit).
• Discounted hotel booking - up to 60% savings at more than 21,000 hotels when you book through Royalties Membership Services or online.
• Travel money - Preferential exchange rates and complimentary delivery on commission-free travel currency - when you order through Royalties Membership Services.
• Overseas money - get money in local currency at cash machines and buy goods abroad wherever you see the logo shown on your card.
• Days out for less - discounts at big name UK attractions and activities.

• Mobile Phone Insurance – you're covered for one mobile phone and SIM card against accidental or malicious damage, loss and theft up to a maximum retail value of £350 (including VAT). You're also covered for up to £1500 (including VAT) of unauthorised calls per claim for monthly contract phones and up to £100 (including VAT) for pay-as-you-go. Plus if you have a joint account we will cover up to 2 handsets. Cover commences 21 days after registration.
• Identity Theft Protection - Up to £5,000 cover for expenses incurred by you in defending and restoring your credit status after fraudulent activity plus a complimentary credit report, online card monitoring and CIFAS registration
• Home emergency cover - call our 24-hour helpline for assistance in an emergency situation, with cover up to £500 towards the cost of emergency home repairs (a Royalties Gold extra benefit).
• 4 Star Defaqto rated home insurance - save 25% off our home insurance in the first year
• Extended warranty - get an extra two years' cover on domestic electrical goods when purchased in full, in one transaction, using a Royal Bank credit, debit or cheque guarantee card (a Royalties Gold extra benefit).
• Car Insurance - you now receive a 10% discount on your RBS car insurance premiums for the first year.
• Car breakdown cover - Relax in the knowledge that Green Flag are there to help if your car breaks down. Can't start your car in the morning or broken down near home? Homecall comes as standard. Your cover has now also been extended to cover all cars owned by you and registered at your address.
• Accidental Death Insurance - £15,000 accidental death insurance (£200,000 if you are travelling as a fare-paying or pass-bearing passenger on licensed transport such as a train or plane). For Joint Royalties Gold account holders, the cover is split equally amongst the account holders. And for persons aged 70 or over, Accidental Death Insurance is reduced by 50%, although passenger cover stays the same (a Royalties Gold extra benefit).

• 700 UK restaurants for 25% less - save on your food and drinks bill when you book through Royalties Membership Services or online. The standard Royalties account offers 450 restaurants (a Royalties Gold extra benefit).
• 25% cash-back on top gigs and live shows - receive cash-back on up to six tickets per event - including plays, concerts, stand-up comedy, musicals and exhibitions.

• Great rates - get tailored rates on your credit card plus great deals on mortgages and personal loans (except online loans).
• Tailored credit card rate - If you have a Royalties Gold account you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Typical APR 15.9% variable. Find out more about our credit cards.
• Royalties Saver Account - an instant access savings account offering preferential rates for Royalties Gold customers. A minimum deposit of £2,000 is require to open a Royalties Saver Account
• Protect your cards - with just one call, you and your household are protected when any registered debit or credit card is lost or stolen. Lose your cards abroad, and we can advance you up to £250 in emergency cash*.
• Lower cost overdrafts - you'll pay no arrangement or renewal fees on overdrafts up to £15,000. And pay no interest on agreed overdrafts up to £250.
• Earn interest - we pay interest on your account; it's calculated daily and credited once every month.
• Mobile Phone Banking and Text Alerts - you can now enjoy the freedom and flexibility of our safe and secure mobile phone banking and text alert service, giving you fast access to your account information.
• Emergency Cash - complimentary use of our Emergency Cash service allows you to withdraw up to £300 from a RBS* cash machine anytime, day or night should your debit card be lost or stolen**

*Also available from NW and Ulster branded UK cash machines

**Cash advances are subject to status and are interest free provided they are paid back within one calendar month of receipt.

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Potential Savings

The examples are for illustration purposes only and are not based on actual RBS customers. The savings shown are representative of those that can be achieved by opening a Royalties Gold Account.

Mobile Phone Insurance
Saving based on Carphone Warehouse Band 4 Lite cover for 1 handset, retailing at £2.11 a week (May 09).

25% cash-back on top gigs and live shows
Saving based on 25% discount on two tickets for a West End show (ticket price £35 per ticket) and 25% on four tickets for a family show (ticket price £27.50 per ticket) when booked through Royalties Membership Services (May 09).

Freetime Activities
Freetime Activities service is operated by Affinion International Limited. Registered address: Charter Court, 50 Windsor Road, Slough, Berkshire, SL1 2EJ, No. 1008797. The price can change on a regular basis and it’s advised you check directly with the venue before visiting. Please refer to freetime activities guide for full terms and conditions.

Car Breakdown Cover
Savings based on Green Flag cover for a 34 year old male living in Leeds driving a 2002 Renault with Level 2 Cover (May 09).

Car Insurance
Saving based on 10% off first year's premium for fully comprehensive cover on a Toyota RAV 4 (VVT-iGX) for a 30 year old male driver with a licence for over 3 years, 5 years No Claims Discount, £250 voluntary excess and mileage of 8,000 living in EH49 6QG.

Home Insurance
Saving based on a 49 year old with buildings and contents insurance for a 3 bedroom semi-detached house built 1920 – 1945 in EH49 6QG (May 09).

Home Emergency Service
Saving based on home emergency service (HR24 Total Response) providing £500 cover (including VAT) worth up to £78 (May 09).

Extended Warranty
Saving based on Domestic and General Insurance company two year extended warranty on a Samsung LCD television with a value up to £1,249 for £12.49 per month or £149.88 per annum (May 09).

Identity Theft Protection
Saving based on Sentinel Identity Theft Protection (May 09).

Card Protection
Saving based on the price of 1 year Sentinel® Card Protection Policy.(May 09).

Accidental Death Insurance
Saving based on Norwich Union’s cover of £20,000 for £1.99 a month (May 09).

Hotel Booking Service
Savings based on a twin/double room for 2 nights at the 4* hotel, Ramada Docklands staying between the 22 July 2009 to 24 July 2009 at £115.66. The same hotel with expedia.co.uk at £178 (May 09).

Airport Lounge Access
Saving based on two people departing from Manchester Terminal 2, Holiday Extras standard retail price (May 09).

Mortgages
Special rates are not available on buy-to-let mortgages.

Travel Insurance
Saving based on annual multi trip worldwide family RBS Travel Insurance with winter sports cover worth up to £160 (May 09). All customers over 70 must contact the Royalties Gold Travel Insurance screening service. On this line we will ask for additional information in relation to pre-existing medical conditions and an annual premium of £50 will be charged per account.

Travel Service
Saving based on holiday for 2 adults departing Gatwick on 1 July 2009 flying to Turkey (Adnan Menderes) for 14 nights staying in a twin room at the Korumar - Kusadasi on a Half Board basis. Included are meals on the flight, 20kgs luggage and transfers (May 09).

Travel Money
Based on preferential exchange rates, 0% commission and complimentary home delivery for: 2 short breaks with £300 currency (worth £10+3); and one holiday with £800 of currency and £300 of commission free travellers’ cheques (worth £7) (May 09).

24/7 Emergency Cash
Service only available to existing NatWest customers using a NatWest, RBS or Ulster Bank branded UK cash machine. Only Online Banking and Telephone Banking customers can access up to £300. All other customers are restricted to a maximum of £60.

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Application of subscription fees

The subscription fee for each monthly charging period will be debited from your account 16 days after the end of that charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The fee will appear on your statement as ‘CHG’. The charging period normally ends on the date that we issue your statement to you.

Interest we pay you

The annual rates of interest paid on credit balances are as follows:

The following rates are effective from 02/10/2006

Interest due on overdrawn balances

Arranged Overdrafts

The following rates are effective from 28/04/08

However, we will not charge interest on any part of the overdrawn balance which represents fees, charges or costs of the kind described in section 6 of our leaflets; Personal Banking- Charges and Rates of Interest (PDF, 155KB).

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Unarranged overdrafts

Any amount overdrawn without an arranged overdraft or in excess of the arranged overdraft limit will be charged at the rate shown in the following table

The following rates are effective from 01/10/09

However, we will not charge interest on any part of the overdrawn balance which represents fees, charges or costs of the kind described in section 6 of our leaflets; Personal Banking- Charges and Rates of Interest (PDF, 155KB).

The following rates were effective from 20/03/2006

Charges – Arranged Overdrafts, Unarranged Overdrafts, Unpaid Items and Enforcement Charges

If we are going to debit any of the fees and charges set out in the table below from your account, we will give you not less than 14 days’ notice of how much we are going to debit and when.

Fee type	When charged	Fee amount
Maintenance Charge
If your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge. The Maintenance Charge will be applied if you have an unarranged overdraft at any time during a monthly charging period.	16 days after the end of the charging period (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.	£20
Paid Referral Fee
A Paid Referral Fee will be payable if: you informally request an overdraft by issuing instructions for a withdrawal or other payment on your account; and the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and an unarranged overdraft is created or increased because we decide we are willing to accept your request; and the level of the unarranged overdraft is £15 or more.	16 days after the end of the charging period in which the transaction was paid or taken from your account (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.	£15 for each day on which a Paid Referral occurs (subject to a maximum of £90 in any charging period).
Guaranteed Card Payment Fee
A Guaranteed Card Payment Fee will be payable if: you informally request an overdraft by issuing instructions for a withdrawal or other payment on your account; and the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and we decide we are not willing to accept your request but nonetheless accept it because we find that you have guaranteed payment by the use of a cheque guarantee card or debit card.	16 days after the end of the charging period in which the transaction was paid or taken from your account (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.	£15 for each transaction (subject to a maximum of £90 in any charging period).
Unpaid Item Fee
An Unpaid Item Fee will be payable if: you informally request an overdraft by issuing instructions for a withdrawal or other payment; and the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and we decide in our discretion not to make the payment.	16 days after the end of the charging period in which we decide not to make the payment (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.	£5 for each item (subject to a maximum of £50 in any charging period)
Making an informal request for an overdraft means you will have to pay a Paid Referral Fee, a Guaranteed Card Payment Fee or an Unpaid Item Fee. If an unarranged overdraft arises, you will also have to pay the Maintenance Charge and interest on the amount overdrawn (except so far as it represents fees, charges or costs of the kind described in section 6 of our leaflet Personal Banking Charges and Rates of Interest (PDF, 155KB) under the heading Sums which do not bear interest). For examples showing how our charges work, please see the section headed Unarranged Overdrafts and Unpaid Items in our leaflet How to make the most of your account (PDF, 696KB).
Enforcement
A Default Notice Fee will be payable if we need to serve a default notice on you (for example, if you fail to repay your overdraft on demand or we wish to enforce any security we hold). This is in addition to any other charges that may apply.	Within four days of the Default Notice being served.	£30 per notice

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Important Information

Credit facilities

Over 18s only.

Royalties Car and Home Insurance

Royalties Motor Insurance and home insurance are underwritten by UK Insurance Limited. Breakdown assistance is provided by Green Flag Motoring Assistance. All are members of The Royal Bank of Scotland Group. UK Insurance Limited is authorised and regulated by the Financial Services Authority. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. Cover is subject to their normal acceptance criteria.

Royalties Gold Payment Card Protection and Extended Warranty

Royalties Membership Services is operated by Affinion International Limited acting as agents for the Royal Bank of Scotland plc.

Sentinel® Card Protection is a trading name and registered trademark of Affinion International Limited. Registered address: Charter Court, 50 Windsor Road, Slough, SL1 2EJ, United Kingdom. Registered in England No. 1008797. Affinion International Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Affinion acts as an intermediary for arranging the insurance and provides the administration of the card registration and associated services.

Payment Card Protection and Extended Warranty are underwritten by Allianz Insurance plc Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom. Branch Address: Allianz Schemes, 6 Vale Avenue, Tunbridge Wells, TN1 1EH, United Kingdom. Allianz Insurance plc is authorised and regulated by the Financial Services Authority (FSA). Their authorisation can be confirmed by the FSA by calling 0845 606 1234 or at www.fsa.gov.uk. Their FSA registration number is 121849.

Royalties Payment Card Protection and Extended Warranty are subject to Terms and Conditions, a copy of which is available in the back of the service guide you will receive after you convert your account.'

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

Important Information – Royalties Guarantee

If you open your Royalties Account on or after 20 April 2009, you will be eligible to benefit from our Royalties Guarantee.

If you use any of the Royalties Account benefits within 60 days of your account being opened and are not satisfied within that 60 day period, we will refund all subscription fees you have paid for your Royalties Account in the first 60 days of account opening.

We reserve the right to change or withdraw the Royalties Guarantee at any time without giving you prior notice.

To claim a refund please call our freephone helpline 0800 408 0338 (minicom number 0845 600 0512).

Lines are open 8am to 8pm Monday to Friday and 9am to 6pm Saturdays. Calls may be recorded.

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