Royalties Current Account

• Protection - register for Mobile Phone insurance and you're covered for one mobile phone and SIM card against accidental or malicious damage, loss and theft up to a value of £300.
  
• Travel - save 10% on flights, holidays and more booked through Royalties Membership Services.
• Entertainment - 25% discount on concert tickets when you book through Royalties Membership Services.
• Banking - unlimited use of complimentary mobile phone banking and text alerts.
  
  
• The monthly fee for the Royalties current account is £6.95.
  
  
• 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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• Holidays with 10% off - save on packaged holidays, city breaks, tours or cruises operated by licensed major tour operators. Simply book through Royalties Membership Services.
• Other travel savings - save at least 10% on scheduled or charted airline tickets, ferries, car hire, cottages and hotels when you book through Royalties Membership Services.
• Travel money - preferential 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 wherever you see the Cirrus or Maestro logo. You can also use your card to buy goods wherever you see the Maestro logo.

• 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 £300 (including VAT). You're also covered for up to £1000 (including VAT) of unauthorised calls per claim for a pay monthly phone and up to £100(including VAT) for a pay as you go phone. (Cover commences 21 days after registration).
• Home insurance - save 25% in the first year.
• Car breakdown cover - complimentary cover when you take out Royalties Motor Insurance. Includes extras like home breakdown cover and car hire cover from Green Flag.
• Numbers Vault ™ - our Numbers Vault service lets you safely store information from your mobile phone in a secure online environment that you can access whenever or wherever you like. Allowing you to transfer your stored information onto your mobile as and when you need to.
• Protect your loved ones - £10,000 accidental death insurance. £100,000 if you are travelling as a fare-paying or pass-bearing passenger on licensed transport such as trains or planes. For Joint Royalties account holders, the cover is split equally amongst the account holders. For persons aged 70 or over Accidental Death Insurance is reduced by 50%, although passenger cover stays the same.

• Tickets for 25% less - book up to two tickets for any one event - including plays, concerts, stand-up comedy, musicals and exhibitions. Available when you book through Royalties Membership Services.
• Days out for less - discounts at big name UK attractions and activities when you book through Royalties Membership Services.
• Dine out for 25% less - save on your food and drinks bill when you book one of 450 UK restaurants through Royalties Membership Services or online.

• Complimentary 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.
• 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 and supply replacement airline tickets up to the value of £3000*.
• Borrowing - tailored rates on credit cards, mortgages and personal loans (except online loans).
• Lower cost overdrafts - pay no arrangement or renewal fees on overdrafts up to £15,000. And pay no interest on agreed overdrafts of up to £100.
• Boost your savings - earn a bonus of 0.25% interest on our Instant Access Savings Account (this is not paid if you close your Royalties account).
• Online banking - manage your money 24 hours a day, 365 days a year with our telephone and internet banking services. System updates will mean that the transactional service for our internet and telephone services is unavailable for short periods in the early hours of the morning.
• Easy access to your money - your debit card gives you access to almost every cash machine in the UK. And where you see the Maestro logo, you can pay for goods and services.
• Emergency Cash - complimentary use of our Emergency Cash service allows you to get money out from a cash machine without a card anytime, day or night should your debit card be lost or stolen.

*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 Account.

Travel Service
10% on selected flights and holidays. Saving based on 2 adults travelling with Thomas Cook holidays – departing Glasgow on 1 March 2008 flying to Alicante for 14 nights.

Gigs & Shows
25% discount on UK gigs and live show tickets when booked through Royalties Membership Services.

Mobile Phone Insurance
Cover for 1 mobile phone up to £300 and SIM card against loss, theft and accidental damage.

25% off Home Insurance
Example based on a 25 year old insuring a 3 bedroom semi-detached house of standard construction built 1946-1979, with double glazing and in good repair, in postcodes EH49 6QG or LS18 5PA.

Accidental Death Insurance
Receive an automatic £10,000 worth of cover up to the age of 69.

Card Protection
Register all your household’s UK-issued debit and credit cards

Numbers Vault™
Savings based on Phones 4u standalone option £1.99 per month (March 08).

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• Show me rates and charges for the Royalties current account

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Any amount overdrawn without an arranged overdraft or in excess of the arranged overdraft limit will be charged at a rate of 2.2% per month, which is equivalent to 29.84% EAR Typical (variable). However, we will not charge interest on any part of the overdrawn balance which represents a Default Notice Fee or other sum (apart from interest) you must pay us in connection with a breach of your obligations under your agreement with us; or a Maintenance Charge, Paid Referral Fee, Guaranteed Card Payment Fee or Unpaid Item Fee.

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 on 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.	£28 (£10 for R21 Account**, Student Royalties and Graduate Royalties)
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.	16 days after the end of the charging period in which the transaction was paid or taken from your account (or on 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.	£30 for each day on which a Paid Referral occurs (subject to a maximum of £90 in any monthly 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 on 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.	£35 for each transaction (subject to a maximum of £105 per day)
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 on 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	£38 for each item (subject to a maximum of £114 per day).
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

** R21 Account is not available to new customers

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Important Information

A monthly fee of £6.95 for Royalties is payable. The monthly membership fee will be applied 16 days after the end of the charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday) and will appear on your account statement as “CHG”. The charging period normally ends on the date that we send your statement to you.

Conditions apply to benefits. Full details of all the Royalties account benefits are contained in the Service Guide you will receive after you convert your account.

New customers will be asked to provide proof of identity, verification of address and signature. System updates will mean that our Internet and telephone banking services are unavailable for short periods in the early hours of the morning.

Credit facilities

Over 18s only.

Royalties Motor 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 Payment Card Protection

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.

This insurance is underwritten by Allianz Insurance plc Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom. Branch Address: Allianz Schemes, Allianz House, 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 is 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.

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.

BSM Learner Driver Package Terms & Conditions

1. This offer is for two hours of lessons with a BSM Instructor, two hours in a BSM Simulator, BSM Theory Complete Pack, £15 off a block booking of 10 hours of BSM driving lessons, 'L' Plates, postage & packaging and VAT
2. The offer can be used by anyone already taking lessons with a BSM Instructor. However no refunds will be offered for elements already purchased which are also available in this offer, such as lessons, simulator hours, etc.
3. BSM reserves the right to vary the terms of this offer at any time.
4. No cash refund or replacement product can be offered if learner is unable or unwilling to utilise the Simulator hours (see below for Simulator locations).
5. Lessons are normally taken in two-hour blocks.
6. The vouchers contained in the BSM Learner Starter Pack cannot be exchanged for cash or as payment for lessons already taken and cannot be used in conjunction with any other offer.
7. BSM accepts no liability for vouchers lost or stolen. Original voucher must be presented. No photocopies accepted.
8. Offer is subject to availability.
9. BSM reserves the right to refuse any voucher which is damaged, altered or defaced.
10. Voucher cash redemption value 0.0001p.
11. Only valid in the UK, excluding Northern Ireland.
12. No refunds will be made in the case of non-use.
13. Calls may be recorded and/or monitored.
14. Vouchers are NOT FOR RESALE.
15. Vouchers valid for 6 months from date of purchase
16. Offer valid from 20 April 2009 until 10 July 2009

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