Terms and Condit ions Personal Banking

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Te r m s a n d C o n d i t i o n s

P e r s o n a l B a n k i n g

www.danskebank.co.uk

Ef fect ive f rom 15 September 2015

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The terms and conditions set out in this booklet will apply from 15 September 2015. If you need any further information you can contact us in the following ways.

Days Time Contact number

General Serv ice Monday to Friday 8am to 8pm 028 9004 9221

Saturday and Sunday 9am to 4.30pm 0845 600 2882

Finance Centre Monday to Friday 9am to 5pm 0845 266 8899

eBanking customer support

(technical enquiries and questions about how the service works) (see the notes below)

Calls w ithin the UK Monday to Thursday 8am to 10pm 0845 603 1534

Friday 8am to 5pm

Saturday and Sunday 9am to 4.30pm

Calls from outside the UK Monday to Thursday 8am to 10pm +44 2890 049219

Friday 8am to 5pm

Saturday and Sunday 9am to 4.30pm

24–hour emergency phone numbers - Lost or stolen cards

MasterCard Standard and MasterCard 24/7 0870 850 2481

From outside the UK +44 2890 049201

MasterCard Gold 0870 850 2482

MasterCard Platinum and MasterCard Platinum Plus 0870 850 2487

Visa Standard 0870 850 2481

Debit MasterCard 0870 850 2481

HOW YOU CAN CONTACT US

You can contact Us if you have any questions or queries or to arrange an appointment by:

• phoning Us; or

• writing to Us through eBanking or by post or • through Our website at danskebank.co.uk

Notes

1 For security purposes and to improve Our serv ices, calls to the numbers shown may be recorded or monitored. Call charges may vary. Please contact your phone company for details. Customers calling from mobile phones may be charged a dif ferent rate.

2 Support from branches, f inance centres, general serv ice or eBanking customer support w ill not be available on Northern Ireland bank

How to contact Us by phone (see notes 1 and 2 below) How to contact Us by writ ing

Secure communication using eBanking eBanking’s secure email

function allows You to read and send messages to and from the bank.

Log on to eBanking. Select ‘Contact Us’. Select ‘New Message’. Type Your message. Send Your message. Secure communication using Danske Mobile Bank/Tablet Bank Apps

Danske Mobile Bank / Tablet Bank Apps allows you to read and send messages to and from the bank.

Log on to the App, select ‘Contact’ or ‘Contact Us and additional info’ and select ‘New message’. Type your message. Send your message Secure communication using Our website at www.danskebank.co.uk

To arrange an appointment

Fill in the ‘Arrange an appointment’ form.

Email us Go to

www.danskebank.co.uk/email For help with installing

and using eBanking Fill in the ‘Online Form’. By Post

Write to: Danske Bank

PO Box 2111, Belfast, BT10 9EG or Danske Bank Donegall Square West Belfast

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General Terms and Condit ions Personal Banking

the telephone numbers stated on Our Website. You can call between 8am and 8pm Monday to Friday and between 9am and 4.30pm on Saturdays (except for bank holidays or other holidays in Northern Ireland when the bank is not open for business). We may record or monitor calls to conf irm details of our conversations, for your protection, to train our staf f and to maintain the quality of our service. Call charges may vary. Please contact your phone company for details; • Using the secure mail function on eBanking; or • Completing the general enquiry form on Our

Website

Details of the ways that You can contact Us are also available on Our Website.

Part 1: General informat ion

These General Terms and

Conditions are also available

in Braille, in large print, on

tape and on disk. Please

speak to a member of staf f

for details.

These General Terms and Conditions are written and available only in English and We undertake to communicate w ith You in English.

Make sure You read and understand these General Terms and Conditions and any Special Terms and Conditions for Your Account or Serv ice before opening an Account.

Good Banking

We comply w ith the FCA’s requirements to pay due regard to customers’ interests and to treat customers fairly.

We also subscribe to the Lending Code which sets minimum standards of good practice in the UK. A copy of the Lending Code "A guide to the Lending Code For consumers" is available from a link on Our Website www.danskebank.co.uk

What should You do if You have a dispute relat ing to Your Account?

If You are not happy w ith any part of Our serv ice, please ask Us for a copy of Our leaf let ‘Putting things right for you’ or v isit Our website. We aim to deal w ith complaints in a way Our customers are satisf ied w ith.

If You have followed Our published complaint procedures and You disagree w ith the f inal response We have g iven, You can refer the matter to the Financial Ombudsman Serv ice. Details are available from Us or from www.f inancial-ombudsman.org.uk.

You w ill also be able to contact the Financial Conduct Authority (FCA) if You think that We have broken the Payment Serv ices Regulations 2009. The FCA w ill use this information to inform its regulatory activ ities.

Important informat ion about compensat ion arrangements

We are covered by the Financial Serv ices Compensation Scheme (FSCS), the UK's deposit guarantee scheme. The FSCS can pay

compensation to depositors if a bank is unable to meet its f inancial obligations.

Your elig ible deposits w ith us are protected up to a total of £85,000 by the FSCS. Any deposits you hold above the £85,000 limit are unlikely to be covered. Please see the FSCS Informat ion Sheet and Exclusions List at

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Things You should know

When you open an account with us, your account agreement is with Northern Bank Limited, registered in Northern Ireland (registered number R568). The terms and conditions which we give you when you open an account with us will apply to that agreement.

Danske Bank is a trading name of Northern Bank Limited. Northern Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 122261). We comply with the FCA’s requirements to pay due regard to customers’ interests and to treat customers fairly. Details of our registration can be found at www.fca.org.uk/register,

or by contacting the FCA on 0800 1116768. Northern Bank Limited is a member of the Danske Bank Group

Our main business is to provide f inancial services in the form of a bank and to provide associated products and services, including Payment Services.

Copies of these General Terms and Conditions – Personal Accounts and any Special Terms and Conditions which apply to an Account or Service may be accessed and viewed via Our Website and can be printed out by clicking on the PRINT button on the appropriate page on Our Website.

Alternatively, You can obtain a copy at any time from Your Branch.

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payment order received at a branch counter w ill always be before the branch closing time on that Business Day;

“Debit Interest” means the amount of interest (whether Arranged Overdraf t Interest or Unarranged Overdraf t Interest) that You owe Us; “Direct Debit” means an instruction from You authorising an organisation to collect vary ing amounts from Your Account so long as You have been g iven advance notice of the collection amount and dates by the organisation. Direct Debits are only available for Domestic Payments;

“Domest ic Payment” means a payment which is made and received in the United Kingdom; “Electronic Payment” means a payment which is initiated and processed using electronic means and specif ically excludes paper based transactions such as cheques and banker's draf ts;

“Entr y Date” means either the date that a cheque or other item paid into Your Account appears on it, or the date You ask Us to make a payment from Your Account. In both instances, it is the date that We consider ourselves to have received Your payment instruction;

“Faster Payments Ser v ice” or “FPS” means the payments serv ice in the UK which enables payments to be processed in near real time. Both the sending and receiv ing f inancial institution need to be members of the FPS Scheme and certain f inancial limits apply;

“Foreign Payment” means a payment which is made w ithin the UK in a currency other than sterling, or a payment (in any currency) which is made to or from a bank which is not in the UK; “Guaranteed Date” means the date af ter which it “Business Day” means a Monday, Tuesday

Wednesday, Thursday or Friday (excluding Bank and other holidays in Northern Ireland) on which the Bank is usually open for business (there are exceptions to this def inition which apply in relation to some Serv ices such as CHAPS and FPS). Further details are set out w ithin the Def initions in the Payment Table);

“Card” means either a Debit MasterCard Card issued on Your account bearing a Contactless indicator or a Debit MasterCard Card issued on Your account which does not bear a Contactless indicator;

“Cardholder” means a person to whom the Bank issues the Card and includes any Additional Cardholder;

“CHAPS” means the CHAPS payments system used by UK banks for the electronic processing of sterling bank to bank same day value payments. Both the sending and receiv ing f inancial institution need to be members of the CHAPS Scheme; “Clear ing Cycle” means, in respect of a cheque paid into an account, the process by which a Payee’s account is credited and a Payer’s account is debited w ith the amount of a cheque, as referred to in the Payment Table;

“Credit Interest” means the amount of interest that We w ill pay You;

“Customer Agreement” means the agreement between Us and You relating to a Package; “Cut-of f Time” means a time (as set out in the Payment Table), usually towards the end of the Business Day af ter which any payment order received (whether to credit or debit Your Account) w ill be deemed to have been received in the

Part 2: Def init ions

“Account” means any personal current or sav ings account which You hold w ith Us and to which We have told You these General Terms and Conditions w ill apply;

“Account Number” means the combination of your six dig it Sort Code and eight dig it account number which are used to identif y Your Account. The combined fourteen dig its appear on your bank statements and are referred to as Your Account Number;

“Addit ional Cardholder” means any person You have asked Us to g ive a Card to so that they can use the Account;

“Agreement” means the agreement between Us and You relating to an Account which is covered by these General Terms and Conditions and any Special Terms and Conditions for the Account. These General Terms and Conditions and any Special Terms and Conditions may be altered from time to time in accordance w ith Clause 27; “Arranged Overdraf t Interest" means interest You pay when You have an arranged overdraf t or an arranged excess in accordance w ith Clause 14; “Bacs” means the Bacs payment scheme used by UK banks for the electronic processing of f inancial transactions, principally direct debits and Bacs direct credits. The Bacs payment scheme operates on a 3 day processing cycle so that the payee's account is credited 2 days af ter the process commences;

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item to be returned unpaid, unless You g ive Your consent for this or You are know ingly involved in fraud;

“IBAN” means International Bank Account Number. The IBAN for Your Account w ith Danske Bank is stated on Your statements and is also available by contacting Your Branch;

“Internal Transfer” means a transfer of money from an Account which You hold w ith Us to another Account held w ith Us;

“Mandate” means the document completed by You in order to g ive a person (whether an Account Holder or not) access to an Account;

“Overdraf t” means a facility that allows You to spend more money from Your Account than You have in it;

“Package” means a combination of an Account and certain other banking products or Serv ices for personal customers as selected by You and referred to in Your Customer Agreement; “Payee” means the person to whom a payment such as a cheque is made payable or the owner of an account to which a payment is to be credited (which ever applies);

“Payer” means the owner of an account from which a payment is to be debited;

“Payment Ser v ices” means such Serv ices as We prov ide in relation to payments into and out of Your Account;

"Payment Ser v ices Regulat ions” means the Payment Serv ices Regulations 2009 (SI 2009/209) as amended from time to time;

“Payment Table” means the table set out at the end of Part 3 of these General Terms and Conditions;

“PIN” means the conf idential personal

identif ication number that We g ive You to enable You to access Your Account or Serv ice such as use of a Card;

“Ser v ice” and “Ser v ices” means any serv ice which is available on Your Account (including Payment Serv ices) such as allow ing You to access and/or operate Your Account through Our 24 Hour Telephone Banking or eBanking Serv ices, or allow ing You to borrow on Your Account by means of an Overdraf t;

“Sort Code” means the six dig it number which is used to identif y Your bank Branch for domestic payments;

“Standing Order” means an instruction to make specif ied payment(s) from Your Account on a specif ied date(s);

"Unarranged Overdraf t Interest" means interest You pay when You do not have an arranged overdraf t or arranged excess in accordance w ith Clause 14;

“Value Date” means the date by which We take a cheque or other item into account when We work out any relevant interest, as referred to in the Payment Table. Value Date is also the date that funds debited from an Account are taken into account for the purposes of calculating interest; “We”, “Us”, “Our” or “the Bank” means Northern Bank Limited hav ing its reg istered of f ice address at Donegall Square West, Belfast (reg istered

number R568). Danske Bank is a trading name for Northern Bank Limited;

“Website” means www.danskebank.co.uk; “Withdrawal Date” means the date by which You w ill be able to w ithdraw the proceeds of a cheque or any other item paid into Your account; “You”, “Your” or “Account Holder” means the person or persons who has or have opened an Account w ith Us subject to these Terms and Conditions. Where this comprises more than one person, these Terms and Conditions w ill apply to such persons jointly and severally as referred to in Clause 2;

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only one of You to operate the Account. This means that each one of You can w ithdraw all the funds w ithout reference to the other. 2.3 If the Account is part of a Package and is in

the name of more than one person, We w ill require the Mandate to conf irm that We can accept the instruction of any Account Holder to operate the Account.

2.4 If the Account is in the name of more than one person, then in the event of the death of one of You, separation, divorce or any other change in the arrangements between You, You w ill need to contact Your Branch to discuss the operation of the Account. • On the death of one of You, we will contact

the surviving Account Holder(s) to discuss the future operation of the Account. We will usually accept instructions from the surviving Account Holder(s) and any credit balance will usually pass to the survivor(s). If the Account is overdrawn, all Account Holders and the estate of the Account Holder who has died are jointly and individually responsible for the debt. • If one of the joint Account Holders becomes

bankrupt, We will stop the account. It will then be under the joint control of the other Account Holders and the person who is responsible for dealing with the bankrupt Account holder’s assets.

• If We believe that one of the joint Account Holders is no longer mentally capable of managing their af fairs, We will stop the joint Account. The Account can only be used again as set out in the instructions from a person appointed by the court to manage that person’s af fairs, and the other interest earned (if any). Any capital or

interest due to You can be paid by cheque drawn by the Bank and payable to You and sent to You at the address last known to Your Branch.

1.4 You may only use Your Account for personal purposes.

1.5 The Bank, in its discretion, prov ides a range of Serv ices on Your Account. Not all Serv ices are available on all Accounts. A Serv ice is available on Your Account unless these General Terms and Conditions or the Special Terms and Conditions for Your Account indicate otherw ise. We can in Our discretion introduce a new Serv ice subject to such fees and serv ice charges as We may decide. Details of any such serv ice w ill be displayed in Your Branch and on Our Website. 2. Joint Accounts

2.1 You should only open a joint Account if You and the other joint Account Holders understand the commitments You are entering into. Each joint Account Holder is separately responsible, and together You are jointly responsible, for all the debt on the joint Account. This is the case even if only one of You has put money into the Account or if only one of You has taken money out of the Account. Similarly, all joint Account Holders are jointly and indiv idually responsible for any Overdraf t, whether or not it is an arranged Overdraf t or an unarranged Overdraf t. This is known as ‘joint and several liability’. Clause 29 deals w ith Our right of set-of f.

2.2 Subject to Clause 2.3, the Account can be

Part 3: General Terms and

Condit ions Personal Accounts

These General Terms and Conditions apply to all Accounts and any Serv ice connected w ith Your Account. Any additional Special Terms and Conditions applicable to a particular Account or Serv ice must be read along w ith these General Terms and Conditions. Where any Special Terms and Conditions are not consistent w ith these General Terms and Conditions then those Special Terms and Conditions shall apply to the extent of that inconsistency.

This Agreement w ill continue in full force and ef fect until the Account is closed in accordance w ith the prov isions of this Agreement.

1. Opening an Account and Ser v ices on Your Account

1.1 You may apply to open an Account w ith Us prov ided that the Account is available to new applicants. The Special Terms and Conditions for the Account w ill set out any particular requirements which apply to the Account. The Account w ill be operated in sterling unless the Special Terms and conditions state otherw ise.

1.2 Before You can open an Account w ith Us You must prov ide satisfactory ev idence of Your name and address. We can also take up references, if appropriate. You must also conf irm that You have received a copy of Our leaf let ‘How we use your personal and business information’.

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3.4 Cash

3.4.1 Cash may be paid into Your Account in the form of sterling coins or sterling notes. We may set limits on the amount of cash that You can pay into Your Account.

3.4.2 We may agree to accept cash payments into Your Account in a currency other than sterling. If We do so We will use the Danske Bank Exchange Rate (UK) in accordance with Clause 17. We will adv ise You of the rate. 3.4.3 You may pay cash, in the form of sterling coins

or sterling notes, into Your Account at Post Of f ice® branches in the UK using a valid Card for the Account that You wish to credit. We will use the details from the Card to identif y the Sort Code and Account Number of the Account to be credited. You may deposit up to £20,000 in sterling notes and up to £250 in sterling coins in a single deposit (restrictions may apply in some Post Of f ice® branches – ask Us for further details). All sterling notes must be sorted by denomination before being presented and all sterling coin must be sorted by denomination and presented in full bags. You will be prov ided with a printed acknowledgement by the Post Of f ice® on completion of the lodgement which You should retain for Your own records. (Cash deposits made to Your Account at a Post Of f ice® branch will be value dated and made available to You immediately. Although Your available balance will be adjusted immediately the Entry Date on Your statement will be the next Business Day. Please refer to the Payment Table for further details).

Account statements which show

transactions and the Account balance. You must not leave this to only one, or some, of the other Account Holders. By rev iew ing and monitoring all the payments to and from the account, all joint Account Holders can make sure that the Account is being used in the correct way.

3. Payments into Your Account – Types of payments that can be made into Your Account

3.1 Subject to the Special Terms and Conditions for Your Account, there are a number of types of payment that You can make into Your Account as set out in this Clause 3. The date upon which payments w ill be credited to Your Account depends upon the payment type, where the payment is made and who it is made by.

3.2 Part 1 of the Payment Table deals w ith payments into Your Account and sets out the Clearing Cycle for cheque payments into Your Account. It also sets out the Entry Date, Cut-of f Time, Value Date and Withdrawal Date that w ill generally apply to cash payments and electronic payments made into Your Account. You should be aware that the Payment Table is subject to various assumptions as referred to therein. 3.3 The date of receipt of a payment into Your

Account w ill be the Entry Date as set out in the Payment Table. Payments into Your Account received af ter the Cut-of f Time may be credited on the follow ing Business Day and the periods referred to in the Payment Table w ill be calculated accordingly. • If We receive notice, or We become aware,

that there is a disagreement between the joint Account Holders (for example, there is a dispute about the joint Account or the joint Account Holders divorce, or separate), We will stop the Account until all the joint Account Holders have told Us how they want the Account to be used in the future. 2.5 If the Account is in the name of more than

one person, any Account Holder can terminate the Mandate but all Account Holders must agree to any variation of the Mandate. On the written request of any one Account Holder, We w ill request the return of any Cards and cheque books.

2.6 If the Mandate ceases to be ef fective for any reason, We shall remain entitled to honour any payment instructions and to charge these to the Account and You shall be liable for any transactions or w ithdrawals (and associated costs, serv ice charges and expenses) made or authorised under the Mandate. It is Your responsibility to ensure that all cheques, Cards and other relevant items are returned to Us as soon as the Mandate ceases.

2.7 If You have a joint Account We may send all information about Your Account to the address of the person whose name appears f irst in Our records for Your Account. You must tell Us if You w ish to receive any information or correspondence separately. 2.8 If You have a joint account then We w ill send

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Exchange Rate (UK) for the relevant currency in accordance w ith Clause 17) being credited to the Account on the day of receipt. Af ter the Value Date the drawee bank may still return the cheque unpaid. If this happens We w ill debit Your Account w ith the amount of the cheque and adv ise You accordingly.

3.8 General prov isions about cheques 3.8.1 If a cheque made payable to another person

is paid into Your Account, the other person should sign the cheque on the back. We may also require further details to conf irm Your right to the cheque before accepting it for credit to Your Account and may decline to accept it. If, for example, the cheque is crossed ‘Account Payee’ or ‘Not Transferable’, We can only credit it to the Account of the Payee.

3.8.2 We may, at Our discretion, request that cheques (including sterling cheques drawn on a bank outside the UK and non-sterling cheques) are sent for collection. If a cheque is sent for collection then it does not go through the Clearing Cycle and the Value Date w ill be the date that the proceeds are received from the drawer’s bank. The funds w ill be credited to Your Account on the Value Date and the Withdrawal Date and

Guaranteed Date w ill also be the same as the Value Date. The collection process can take several weeks and is dependent upon the time taken by the pay ing bank to process the request.

3.9 Electronic Payments

3.9.1 Electronic Payments (sometimes known as automated credit transfers) can be made into w ith a printed acknowledgement which You

should keep for Your own records. This serv ice cannot be used to make a special presentation of a cheque for payment. If You use this serv ice to make a deposit to Your Account before the Cut-of f time which applies in the Post Of f ice® branch where You make the deposit then We w ill receive the envelope on the next Business Day and that w ill be the Entry Date which appears on Your statement. Further details are set out in the Payment Table. If there is a discrepancy between the amount entered on the Bank Giro Credit slip and the amount found in the envelope or there is any other reason why We cannot process the lodgement We w ill contact You, where possible, to adv ise You. 3.6 Sterling Cheques drawn on a non UK Bank 3.6.1 A sterling cheque drawn on a bank outside

the UK may be paid into Your Account. Such a cheque may not be able to go through the Clearing Cycle and may take longer to be cleared.

3.7 Non-Sterling Cheques

3.7.1 A non-sterling cheque may be paid into Your Account. If this applies, We w ill purchase the cheque in order to g ive You the sterling equivalent. The follow ing Value Dates w ill apply:

• Euro cheques drawn on a bank in the Republic of Ireland w ill receive value three Business Days af ter the date of purchase by Us;

• all other non-sterling cheques and Euro cheques drawn on banks in the UK w ill receive value six Business Days af ter the date of purchase by Us. Your statement 3.5 Sterling Cheques drawn on a United

Kingdom (UK) Bank

3.5.1 A sterling cheque drawn on a bank in the UK may be paid into Your Account. When this applies, You agree that We w ill deal w ith that cheque subject to the rules and clearing processes of any cheque clearing system(s) that We use.

3.5.2 If You pay a cheque into Your Account and lodge the cheque at a branch of the Bank, You can ask for the cheque to be specially presented, rather than sent through the Clearing Cycle. This means that the cheque w ill be sent directly to the branch of the bank that it was drawn on to conf irm that they w ill pay it. This normally speeds up the payment conf irmation process. A cheque (including for the avoidance of doubt a cheque presented for payment at the branch of the Bank on which it was drawn) w ill only be treated as specially presented if You have made it clear to the cashier at the time You pay the cheque into Your Account that You w ish the cheque to be specially presented and You have paid the appropriate fee. 3.5.3 Sterling cheques drawn on a UK Bank may be

paid into Your Account at most Post Of f ice® branches in Northern Ireland. (see our Website for details of any restrictions on this serv ice).

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the Sort Code and Account Number for that Account from the details on the Card;

(b) If the payment is being made from another account outside the United Kingdom, the IBAN and BIC (sometimes known as the SWIFT Code) for the account into which the payment is being made (The IBAN for Your Account is set out in the statements for Your Account. The BIC is set out in the def initions section of these General Terms and Conditions. Both the IBAN and the BIC are also available on request from Us); (c) Any other information that We may

request from You, or the party making the payment into Your Account, to enable Us to make the payment.

4.2 We may refuse to make a payment into Your Account where We have not been prov ided w ith the information set out in Clause 4.1 or where it is reasonable for Us to do so. If We refuse to make a payment into Your Account We w ill, where possible, notif y You of the reason(s).

4.3 Subject to Clause 4.2, prov ided the information set out in Clause 4.1 is prov ided to Us We w ill make the payment into Your Account w ithout the need for any further form of consent from You.

4.4 If You w ish Us to stop accepting payments into Your Account then You should adv ise Us in writing.

5. Payments from Your Account – Types of payment that can be made from Your Account

5.1 Subject to these General Terms and Conditions and to any Special Terms and returned unpaid then You w ill remain liable

for the amount of such an item and any Credit Interest paid in respect of such amount and We may debit Your Account accordingly. We w ill treat this as a request for an unarranged Overdraf t in accordance w ith Clause 14 of these General Terms and Conditions. No further Credit Interest w ill be paid and if Your Account is in or goes into Overdraf t You may have to pay Debit Interest and other serv ice charges. See Our ‘Interest rates’ and ‘Fees and serv ice charges explained’ leaf lets for further details. 3.10.2If the total amount stated on the lodgement

slip is incorrect, We w ill correct the error and credit/debit the rev ised amount to Your Account. We w ill adv ise You of the change. 4. Payments into Your Account – Informat ion

and Consent Required

4.1 In order to make a payment into Your Account, You, or the party making the payment into Your Account w ill need to prov ide Us w ith the follow ing information: (a) For Domestic Payments, the Sort Code

and account number of the account into which the payment is to be made (together these form the fourteen dig it Account Number for Your Account set out on the statements for Your Account and are also available on request from Us). You may be asked when making a payment to state these separately - that is to say the six dig it Sort Code and then the remaining eight dig its as the relevant account number. If You are making a cash payment into Your Account at a Post Of f ice® branch then You must use the Card for the Account into which the lodgement is to be made. We w ill identif y are subject to the rules applicable to the

relevant scheme. Details are available from Your Branch.

3.9.2Electronic Payments can be made into Your Account from another Account held w ith Us by Internal Transfer.

3.9.3Foreign Payments into Your Account made electronically can be completed through various payment systems such as for example SWIFT. Such payments are subject to the rules of the indiv idual payment scheme. If the Foreign Payment is not in sterling then We w ill convert the payment into sterling. If We do so, We w ill use the Danske Bank Exchange Rate (UK) in accordance w ith Clause 17. We w ill adv ise You of the rate.

3.9.4 When You receive a Foreign Payment into Your Account We w ill deduct Our fees and serv ice charges (as set out in Our ‘Fees and serv ice charges explained– foreign payments’ leaf let) from the amount received and We w ill credit Your Account w ith the net amount. We w ill prov ide You w ith an adv ice note which w ill clearly state the full amount of the payment transaction and the amount of the fees and serv ice charges that We have deducted.

3.10 General prov isions about payments into Your Account

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date w ill be set out in Your loan or mortgage agreement. If You do not have suf f icient cleared funds in Your Account, or a suf f icient overdraf t on the due date then We w ill continue to check Your Account for a further 4 Business Days. If at the time that We check Your Account balance during that period, there are suf f icient funds in Your Account to make the payments We w ill debit Your Account and make the repayment to Your loan or mortgage account. We w ill treat the date and time that there are suf f icient funds in Your Account to make the payment as the time of receipt of Your instruction. If, during the 4 Business Days af ter the due date for Your loan or mortgage repayments, We have not been able to make the payments, We w ill contact You to adv ise You that the payment has not been made. You should always make sure that there are suf f icient funds in Your Account to make Your regular loan or mortgage repayments in the due date as set out in Your agreement. Any delay in making Your regular loan or mortgage repayment w ill result in You hav ing to pay more interest on that mortgage or loan account.

5.3.6 If You make a payment by Standing Order (other than a Standing Order of the type referred to in Clause 5.3.5) from Your Account and You do not have suf f icient cleared funds in Your Account, or a suf f icient overdraf t, the Cut-of f time specif ied in the Payment Table on the day that the Standing Order is due to be paid then You cannot be sure that the payment w ill be made. We w ill check Your Account at various times during soon as We are told about it, We w ill

immediately refund the Account w ith the amount of that payment and, where applicable, restore Your Account to the state it would have been in had that payment not been made.

5.3.2 (b) If a Direct Debit is presented for payment from Your Account and You do not have suf f icient cleared funds in Your Account or a suf f icient overdraf t, by the Cut-of f time specif ied in the Payment Table on the day that the Direct Debit is due to be paid then You cannot be sure that the payment w ill be made. We w ill check the balance on Your Account up until the Cut-of f time on the day that the payment is due to be made. If there are suf f icient funds in Your Account when We check the balance We w ill pay the Direct Debit.

5.3.3 Where funds have been incorrectly debited from Your Account as a result of a Direct Debit, We w ill refund You the full amount of any such payment in accordance w ith the Direct Debit Guarantee scheme as set out in Clause 5.3.2 (a).

5.3.4 If You make a payment by Standing Order, the payment w ill leave Your Account on the date You have specif ied (or the next Business Day, if the date You have specif ied does not fall on a Business Day) and arrive in the Payee’s bank’s account on the same day. If the Payee’s account is w ith Us, the account w ill be credited on the same day as the payment leaves Your Account.

5.3.5 If You make a payment by internal Standing Order to a loan or mortgage account w ith Us, the date that We take the loan or mortgage Conditions for Your Account, payments from

Your Account can be made by various means including for example cash w ithdrawals, cheque payments, Direct Debits, Standing Orders, Internal Transfer to another Account held w ith Us, CHAPS, and FPS or a payment scheme for Foreign Payments such as SWIFT. We reserve the right to restrict the amount that You can w ithdraw from Your Account depending on the means that You use to make the payment from Your Account. Details are available from Your Branch. 5.2 Part 2 of the Payment Table sets out the

timings that w ill normally apply to payments made out of Your Account. You should be aware that the Payment Table is subject to various assumptions as referred to therein. 5.3 Direct Debits and Standing Orders 5.3.1 We may enable You to make payments from

Your Account by prov iding You w ith Direct Debit and/or Standing Order facilities. Prov ision of Direct Debit and Standing Order facilities on Your Account is a Serv ice and is subject to these General Terms and Conditions and any Special Terms and Conditions for Your Account. Full details are available from Your Branch. This Serv ice is not available w ith a sav ings Account. 5.3.2 (a)If You make a payment from Your Account by

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(a) For payments made by way of Card, eBanking and 24 Hour Telephone Banking, the consent procedures are set out in the relevant Special Terms and Conditions; (b) For payments by way of cheque, see

Clause 10;

(c) For Foreign Payments and for payments made by way of Internal Transfer, FPS, CHAPS, Direct Debit and Standing Orders You g ive Your consent by signing the relevant instruction; or by using Your electronic signature in eBanking; or by using Your Password in 24 Hour Telephone Banking; or by telephoning Us and g iv ing Us a verbal instruction af ter We have conf irmed Your identity by whatever means We deem appropriate; or by any other means that We have agreed w ith You;

(d) Where We have not received Your consent as set out above We w ill deem that You have consented where We, or in the case of a Direct Debit, the Orig inator, have conf irmed the instruction to You and You have not contacted Us to deny the instruction w ithin 10 days of the date that You received the conf irmation; (e) For payments made by way of over the

counter w ithdrawals (either by cash or Banker’s draf t) at one of Our Branches, You g ive Your consent by signing the instruction to Us;

(f) For payments made as a result of an instruction received from You by way of letter, You g ive Your consent by signing the letter;

(g) Where You have granted a Mandate to someone else then, subject to the terms of the Mandate, that person can g ive Your 5.4.3 If You are sending an Electronic Payment to a

person or company outside the United Kingdom, You w ill need to prov ide Us w ith: (a) The name of the Payee;

(b) The Payee’s (BIC) and (IBAN) (the Payee w ill be able to prov ide these to You); (c) The Sort Code and Account Number of

the Account from which the funds are to be sent;

(d) A meaning ful reference so that the Payee can identif y You; and

(e) Any other information that We may request from You to enable Us to make the payment.

5.4.4 It will be Your responsibility to ensure that the information set out in 5.4.2 and 5.4.3 is accurate. If the information provided to Us is not accurate, there may be a risk of loss of or delay to Your Electronic Payment. For the avoidance of doubt We will be liable only for the execution of the payment request in accordance with the information set out at Clause 5.4.2(b) or Clause 5.4.3(b), as applicable, irrespective of any other information that You have provided. Even though We are not liable, We will make reasonable ef forts to try to recover the funds involved if You have made a mistake when providing the information set out in 5.4.2 or 5.4.3. In these circumstances We would expect that the payee’s bank will take similar action to that which We would take if a payment was made into Your Account by mistake. That action is detailed in Clause 5.4.5 (j).

5.4.5 In order for Us to make a payment out of Your Account, You will need to give Us Your consent. There are dif ferent ways of giving consent, depending on the type of payment being made: time that We check Your Account there are

suf f icient funds to make the payment, then We w ill proceed to debit Your Account and make the payment. On some occasions, this w ill mean that although Your Account is debited on the date the Standing Order was due to be paid, the Payee’s bank may not receive the funds until the next Business Day. We w ill treat the time on the due date that there are suf f icient funds in Your Account to make the payment as the time of receipt of Your instruction

5.3.7 If You w ish to cancel a Direct Debit, Standing Order or other future dated payment, You can do so in accordance w ith Clauses 5.4.7 and 5.4.8 respectively.

5.4 Payments from Your Account – Informat ion and Consent Required

5.4.1 In order to make an Electronic Payment out of Your Account, You w ill need to prov ide Us w ith the information set out in Clauses 5.4.2 or 5.4.3:

5.4.2 If You are sending a payment to a person or company w ithin the United Kingdom, You w ill need to prov ide Us w ith:

(a) The name of the Payee;

(b) The Sort Code and Account Number of the account to which the funds are to be transferred; (the Payee w ill be able to prov ide these to You);

(c) The Sort Code and Account Number of the account from which the funds should be sent;

(d) A meaning ful reference so that the Payee can identif y You; and

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consent by contacting Your Branch. Some Standing Orders and other future dated payments can also be cancelled v ia eBanking. Where a particular day has been agreed for a payment to be made, You cannot w ithdraw Your consent to the payment af ter the close of business on the business day before the payment is due to be paid (unless You, and We agree otherw ise).

If we are adv ised of a change of Sort Code and/or Account Number for a benef iciary named in a Standing Order (such change being adv ised to us through Standing Order File Amendment). We w ill make these changes to the Standing Order instruction w ith Us and You consent to Us making these changes.

5.4.9 Except where stated otherw ise, the prov isions of this Clause 5.4 do not apply to payments made by cheque.

6. Payments to and from Your Account – Liabilit y for mistakes

6.1 Where You instruct Us to make a payment or a series of payments from Your Account, We w ill ensure that We carry out Your

instructions in accordance w ith this Agreement.

6.2 If We make a mistake, We w ill refund the amount of the payment to You as soon as We are made aware of the mistake. If necessary, We w ill also restore Your Account to the state which it would have been in had the mistake not been made. If We can prove to You that We executed the payment correctly (on the basis of the instructions that You prov ided to Us), then We w ill not be · We w ill contact You to adv ise You of the

action that We have taken and We w ill also adv ise You that We intend to return the funds to the payer’s bank 15 Business Days af ter the date of Our letter to You. · If You object to the action that We have

taken or that We propose to take then You must adv ise Us before the 15 Business Day period has ended and You must state the reasons why You object. · If You do not object w ithin the period set

out above then We w ill return the payment to the payer’s bank and there w ill be no requirement for Us to obtain any further consent from You. 5.4.6 Subject to Clauses 5.4.7 and 5.4.8 below,

You cannot w ithdraw Your consent to a payment from Your Account once We have received Your instructions to make a payment. The date when We deem Your instruction as hav ing been received is the Entry Date as set out in the Payment Table; 5.4.7 In the case of a payment by Direct Debit, You

can w ithdraw consent by contacting Your Branch. Some Direct Debits can also be cancelled v ia eBanking. You cannot however w ithdraw Your consent to a Direct Debit payment in the follow ing circumstances: (a) where the payment has already been

transmitted to the Payee’s

account–holding institution or You have already g iven consent to the Payee to take the payment from Your Account; or (b) af ter the close of business on the

business day before the Direct Debit is due to be paid (unless the Payee, You and We all agree otherw ise).

consent to make a payment out of Your Account;

(h) Where We have received an order of a court or other regulatory body We w ill comply w ith the order w ithout the need for any further consent from You; (i) Where We have received a request to

return a payment from a bank that made a payment into Your Account as a result of a mistake or error (for example, that bank has incorrectly sent the payment tw ice) We w ill take the payment out of Your Account and send it back to the bank which has made the request. We w ill only do this where the request to return a payment is made through an appropriate industry body such as CHAPS Clearing Company Limited or Bacs Payment Schemes Limited. We w ill take the payment out of Your Account even in circumstances where We have already permitted You to make a payment out of Your Account or where it would make Your Account go overdrawn. If Your Account goes overdrawn then the prov isions of Clause 14 w ill apply; (j) If We have received a request to return a

payment that has been made into Your Account where the payer has told his/her bank that the payment was made by mistake You agree that We may take the follow ing actions:

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would have been in had the incorrect payment not been deducted, We w ill refund only the excess incorrectly deducted. 7.2.2 You are only entitled to a refund under

Clause 7.2.1 if You notif y Us of the unauthorised payment by contacting Us in one of the ways set out in Part 1 under the heading “How You can contact Us”, w ithout undue delay af ter becoming aware of it, and in any event no later than 13 months af ter the debit date (unless You have not received any information regarding the transaction (such as a Statement) from Us). The only exception to this is if the unauthorised payment has been taken by way of a Direct Debit, in which case You are protected indef initely by the Direct Debit Guarantee scheme (see Clause 5.3.2 (a)).

7.2.3 When You notif y Us, as set out in Clause 7.2.2, We w ill ask You to complete and return a form to Us. The form w ill require You to g ive Us details about the unauthorised payment. We w ill investigate the payment and may make further enquiries and pass information about the payment to other third parties including the police. We w ill only do this where it is necessary and reasonable to investigate Your claim.

7.2.4 Even though We may grant You an immediate refund under this Clause 7.2 if, follow ing further investigation We are satisf ied that the payment was authorised by You then We w ill debit the refund amount from Your Account w ithout the need for any further consent from You. We w ill write and tell You the reasons for making the debit.

(b) where We have failed to prov ide an appropriate way for You to notif y Us in accordance w ith Clause 19.3 or (c) where the transaction was in respect of a

purchase of goods or serv ices at a distance (which is where the goods or serv ices have been sold exclusively by means of the internet, the telephone, or other methods of distance selling), except where such payments have been made in relation to:

(i) an interest in land (except for renting); (ii) the prov ision of f inancial serv ices; (iii) serv ices or products purchased by way of

an automated vending machine; (iv) serv ices or products purchased from a

telecommunications operator through the use of a public pay–phone; or

(v) serv ices or products purchased at auction.

7.2 Our Liabilit y

7.2.1 Subject to Clause 7.1, where a payment has been debited from Your Account w ithout Your consent, We w ill immediately:

(a) refund the amount of that payment; and (b) where applicable, restore Your Account to

the state it would have been in had that payment not been made.

The word “immediately” means the same Business Day where We have received Your request for a refund before 3.30 pm on a Business Day. If We receive Your request for a refund af ter 3.30pm on a Business Day then We w ill process Your request on the next Business Day.

Where an overpayment from Your Account cannot be recovered from the Payee’s payment serv ice prov ider or bank, then in order to restore Your Account to the state it Clause 6 where any failure on Our part was

due to unavoidable, abnormal and unforeseen circumstances beyond Our control, or such failure arose as a result of applicable laws and regulations.

6.4 Except where stated otherw ise, the prov isions of this Clause 6 do not apply to payments made by cheque.

7. Unauthor ised Payments out of Your Account

7.1 Your liabilit y

7.1.1 Unless Clause 7.1.2 applies, where any of Your personal Account details or other items allow ing access to Your Account (such as Your Card or Account passwords) have been lost or stolen, You w ill have to pay a maximum of £50 for any losses in respect of unauthorised payments arising as a result. 7.1.2 You w ill have to pay ALL losses incurred

where:

(a) You have acted fraudulently;

(b) You have (w ith intent or gross negligence) failed to notif y Us w ithout undue delay af ter becoming aware of the loss, thef t or unauthorised use of any of the Cards or security details that We have issued to You in connection w ith the Account; or (c) You have (w ith intent or gross negligence)

not acted in accordance w ith the prov isions of these General Terms and Conditions or the relevant Special Terms and Conditions.

7.1.3 In addition, except where You have acted fraudulently, You w ill not be liable for any losses incurred in respect of an

unauthorised payment out of Your Account: (a) that was made af ter You have notif ied Us

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a voluntary arrangement w ith Your creditors);

(d) We have to do so under an applicable law or regulation or order of a court or other regulatory body.

9.4 Where reasonably possible (and where it would not be a breach of security or be against the law), We w ill attempt to contact You either by telephone or in writing when We take action under either Clause 9.2 or Clause 9.3, and explain Our reasons for doing so. If We cannot contact You in advance, We w ill attempt to contact You as soon as possible af terwards (and in any event, no more than three days af ter We received the relevant payment instruction).

9.5 Where We have taken action under this Clause 9, unless We terminate the agreement as a result, We w ill allow the normal use of Your Account to resume as soon as practicable once Our reasons for taking such action cease to exist. 10. Payments from Your Account – Cheque

Book Ser v ice

10.1 We may prov ide You w ith a cheque book to enable You to make payments from Your Account. Prov ision of a cheque book w ith Your Account is a Serv ice and is subject to these General Terms and Conditions and any Special Terms and Conditions for Your Account. Full details are available from Your Branch. This Serv ice is not available w ith sav ings Accounts.

10.2 You must ensure that You write cheques (a) in pounds sterling only;

(b) in pen only; Account holder;

(f) There is any dispute over Your entitlement to the funds in Your Account;

(g) You are aware that security of Your Account may have been breached; or (h) You are in breach of any other condition of

these General Terms and Conditions or any of the Special Terms and Conditions. (i) In the case of an Electronic Payment if

for any reason We cannot make the payment w ithin the time limit specif ied by the Payment Serv ices Regulations (e.g. when using Our eBanking Serv ice we w ill not be able to process a request to make a domestic transfer in sterling from Your Account if the Sort Code of the Payee's account is not reg istered to receive payments using the Faster Payments Serv ice).

9.2 We may refuse to carry out any transaction on Your Account where any of these General Terms and Conditions or any of the Special Terms and Conditions has not been complied w ith, or where it would be unlaw ful for Us to do so.

9.3 We may stop the use of any Card or Serv ice if We reasonably believe that:

(a) The security of Your Account has been breached;

(b) There may have been an unauthorised or fraudulent transaction on Your Account; (c) There is a credit facility on Your Account

(such as an Overdraf t), and there is a signif icantly increased risk that You may be unable to pay Us what You owe (for example where We have reasonable grounds for believ ing that You are 8. Spending Limits

8.1 Spending limits (such as a limit on the amount of cash You can w ithdraw from an ATM per day) may apply to Your Account. We w ill notif y You in writing from time to time of any such spending limits. Should these spending limits change, We w ill g ive You reasonable written notice of such changes. The current standard spending limits are set out in the Payment Table. We w ill adv ise You of any special spending limits that apply to Your Account or Serv ice.

8.2 In addition, in relation to particular Serv ices (such as a Card), the relevant Special Terms and Conditions may prov ide that spending limits may apply.

9. Refusing Payments or Stopping use of Your Card or Ser v ices

9.1 You may not make a request, nor consent to a Payee making a request and We can refuse a request, for a payment transaction on Your Account, whether for sums to be credited to or debited from Your Account if:

(a) The Payment transaction is illegal or for an illegal purpose;

(b) You are bankrupt or insolvent or have entered into a voluntary arrangement w ith Your creditors;

(c) Your relationship w ith Us has broken down or You have shown threatening or abusive behav iour towards any member of Our staf f;

(d) There are insuf f icient funds available in Your Account to fund the payment transaction;

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is: - Danske Bank PO Box 2111 Belfast BT10 9EG.

13.2 The prov ision of branches where a counter serv ice is available is a Serv ice that is subject to the Special Terms and Conditions for Your Account. We do not prov ide a counter serv ice outside Northern Ireland If this is something You require You should discuss this w ith Your branch.

13.3 If We plan to close or move Your Branch, We w ill tell You at least twelve weeks

beforehand. We w ill inform You how We w ill continue to prov ide banking serv ices to You. 13.4 We may vary banking hours, banking

practices and similar matters by g iv ing You at least thirty days’ notice in writing or by general notice in Our branches or in the press. If the variation is signif icant, in Our reasonable opinion, it w ill be adv ised to You by notice in writing.

14. Overdraf ts Warning

Fees and serv ice charges w ill apply in relation to the prov ision of any overdraf t. Full details are set out in Our 'Fees and serv ice charges explained' leaf lets. You should read those leaf lets carefully before apply ing for an overdraf t or permitting Your account to become overdrawn w ithout Our prior agreement.

14.1 The prov ision of an Overdraf t is a Serv ice that may be available on Your Account. Prov ision of this Serv ice is subject to these General Terms and Conditions and to any Special Terms and Conditions for Your Account. This Serv ice is not available w ith a sav ings Account.

14.2 An Overdraf t is only available if You are over explained’ leaf lets.

10.6 When We need to tell You that one of Your cheques or other items has been returned unpaid, We w ill do this either by letter or by other private and conf idential means. 10.7 You must not write a cheque w ith a future

date on it as it may not prevent the Payee from pay ing it into their bank before that date.

10.8 If You believe Your cheque book or cheques are lost or stolen, or if You believe that someone has signed one of Your cheques w ithout Your permission, You must contact Us immediately.

11. 24 Hour Telephone Banking and eBanking (including Mobile Banking)

The prov ision of 24 Hour Telephone Banking and/or eBanking Serv ices are Serv ices which may be available w ith Your Account. Prov ision of these Serv ices is subject to the Special Terms and Conditions for those Serv ices. These Serv ices are subject to periods of routine maintenance. 12. Debit Cards

The provision of a Card is a Service that may be available with Your Account. Provision of this Service is subject to the Special Terms and Conditions applicable to the Card. This Service is not available with a savings Account save and except for the SaverPlus Account. 13. Branch Ser v ice

13.1 The addresses and contact details for all Danske Bank branches in the UK can be found on Our Website. If You w ish to write to the Bank then You should use the follow ing address irrespective of where Your Branch and forgeries. You should draw a line

through unused space on the cheque so unauthorised people cannot add extra numbers or names. If You are pay ing a cheque to a large organization, such as HM Revenue & Customs (HMRC), You should write on the cheque the name of the Account You want the cheque paid into. For example, “HM Revenue & Customs only – Reference xxyyzz.” If You are writing a cheque to a bank or building society, You should not make the cheque out simply to that organisation. You should add further details into the Payee line, such as the name of the person to whom the money is being paid, (for example xyz bank re: A Smith reference number XXXX).

10.3 Cheques drawn on the Account w ill not normally be returned to You af ter payment however if there is a dispute w ith Us about a cheque paid from the Account, We w ill g ive You the cheque or a copy as ev idence. It is Our practice to retain copies of paid cheques for six years.

10.4 We w ill not normally pay a cheque more than six months af ter the date shown on it. 10.5 If You have issued a cheque and then decide

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mortgage over land) then that security may also be available to Us in respect of the Overdraf t.

14.10We w ill calculate Debit Interest on a daily basis on the cleared debit balance on Your Account. An item is included in the cleared debit balance from the Value Date for purposes of calculation of interest. We w ill calculate this interest at the end of each calendar month. If You are due to pay interest, before We charge the interest to Your account, We w ill write to You at the end of the calendar month and tell You the amount We w ill charge and when. If You receive Your statements electronically, We w ill send this letter to You electronically. Further details about the Debit Interest rates payable on Your Account are set out in Our ‘Interest rates’ leaf let.

14.11If You are due to pay any fees or serv ice charges in relation to any unarranged overdraf t, We w ill calculate the amount ow ing at the end of each calendar month. Before We charge the fees and serv ice charges to Your account, We w ill write to You at the end of the month and tell You the amount that We w ill charge and when. Written details of overdraf t serv ice charges are set out in Our 'Fees and serv ice charges explained' leaf lets.

15. Fees and Ser v ice Charges

15.1 Details of current fees and serv ice charges (including fees and charges in relation to Payment Serv ices) that apply to Your Account are published in Our ‘Fees and serv ice charges explained’ leaf lets, which are available at any Branch and on Our Website. payment, such as a cheque, a Card payment,

a Direct Debit or a Standing Order) or interest or a fee or serv ice charge is applied to Your Account which would have the ef fect of creating an Overdraf t the amount of which has not been prev iously agreed by Us then We w ill treat this as an application for an unarranged Overdraf t.

14.7 If We decide to grant You an unarranged Overdraf t or an unarranged excess, by pay ing an item which has been presented for payment, then a paid transaction fee, as detailed in Our ‘Fees and serv ice charges explained’ leaf lets and the interest rate for an unarranged Overdraf t or an unarranged excess (as appropriate) w ill be applied to Your Account. If We grant You an unarranged Overdraf t or an unarranged excess then it does not mean (a) that any arranged Overdraf t has been created or (b) that the limit on any arranged Overdraf t has been increased or (c) that We w ill pay any other item in the future which would have the same ef fect. We are not committed to pay any other items up to such amounts.

14.8 If We decide not to grant You an unarranged Overdraf t or an unarranged excess then the item presented for payment w ill be returned unpaid and an unpaid fee, as detailed in Our ‘Fees and serv ice charges explained’ leaf lets, w ill be applied to Your Account.

14.9 If You have an Overdraf t on the Account We may use monies held in other accounts in Your name to pay of f the Overdraf t. This is sometimes known as the Bank’s right of set of f. We w ill tell you at least fourteen days before we exercise Our right of set of f. If You 18 years old. An Overdraf t is repayable on

demand. This means that We can require You to repay all the sums You owe Us on the Account at any time, even if We have agreed a longer period for the Overdraf t w ith You. 14.3 If this Serv ice is available w ith Your Account

then You can agree the amount of the Overdraf t w ith Us in advance. This is called an arranged Overdraf t. You w ill be issued w ith a facility letter setting out the conditions that apply, in addition to these General Terms and Conditions.

14.4 You can also agree w ith Us the amount of any temporary extension to an existing arranged Overdraf t. This is known as an arranged excess. The Arranged Overdraf t Interest rate w ill apply to the total of the arranged Overdraf t and the arranged excess. In all other respects the Terms and Conditions as set out in the Facility Letter for Your arranged Overdraf t w ill also apply to the arranged excess.

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Interest on a daily basis on the cleared credit balance on Your Account.

16.2.5Credit Interest w ill be paid net of income tax at the basic rate unless You are a non-taxpayer and have reg istered w ith Us for the payment of gross interest by completion of a valid HMRC R85 Reg istration Form. Should HMRC notif y Us that You are not entitled to receive gross interest then income tax w ill be deducted from any Credit Interest at the basic rate. The deduction of income tax from the Credit Interest w ill only discharge the UK tax liability of a basic rate tax payer. Further income tax may be due if the indiv idual is liable to taxation at the higher rate.

16.2.6If You are a non–resident and have completed the appropriate HMRC non-resident declaration form (R105), We reserve the right not to pay Credit Interest where the balance falls under such threshold as is set by Us from time to time. You can obtain details of the current threshold by contacting Your Branch.

16.3 Debit Interest

16.3.1If any Debit Interest is to be charged then this w ill be applied in accordance w ith Clause 14.10.

16.3.2The Debit Interest rates are made up of two parts – The Bank of England Bank Rate and a Marg in determined by Us (“the Marg in”) over the Bank of England Bank Rate. Both of these parts are variable. If there any changes to the Bank of England Bank Rate We w ill change the Debit Interest Rate applicable to Your Account immediately. The change w ill be applied w ith ef fect from the start of the changes which apply to the prov ision of

serv ices to Our current and sav ings account customers, including for example changes in the law, decisions of the Financial Ombudsman, changes in regulatory requirements and/or changes in industry guidance and codes of practice;

· To ensure that Our business as a whole is prof itable and competitive and that Our Credit Interest rate ranges and Credit Interest rate structures enable Us to achieve Our business and strateg ic objectives (which are set internally) -prov ided that any such change is reasonable and does not result in an Account Holder being treated unfairly; · For any other valid reason - prov ided that

any reduction in the Credit Interest rate (or variation of the Credit Interest rate that is applied depending on the balance held in an Account) for this reason is a proportionate and reasonable response to the underly ing reason.

Where We decide to reduce the Credit Interest rate We w ill always g ive you at least 2 months’ notice before doing so. You w ill be able to end the agreement before the end of the notice period w ithout incurring any extra charges.

16.2.3We may increase the Credit Interest rate payable on any Account immediately. We w ill adv ise You of any increase in the Credit Interest rate on Your statement of Account. 16.2.4 Details of the Credit Interest rates payable

on any Account are set out in Our ‘Interest rates’ leaf let. We w ill calculate the Credit charges applicable to the Account and Your

use and operation of the Account and Our Serv ices as shown in Our ‘Fees and serv ice charges explained’ leaf lets from time to time and whether or not these fees and serv ice charges are referred to elsewhere in these Terms and Conditions.

15.3 We w ill notif y You in accordance w ith Clause 27 if We introduce or vary a fee or serv ice charge relating to Your Account for a Serv ice You use on Your Account.

15.4 There may be taxes or costs, some of which are not paid through Us or imposed by Us and for which You may be liable. 16. Interest on Your Account

16.1 Details of the current interest rates on Your Account are published in Our ‘Interest Rates’ leaf let which is available at any Branch and on Our Website.

16.2 Credit Interest

16.2.1Credit Interest rates are based on a rate that We determine internally.

16.2.2We may decrease the Credit Interest rates (or decrease the Credit Interest rate that is applied depending on the balance held in an Account) for one or more of the follow ing reasons:

· To respond proportionately to a change in the Bank of England Bank Rate or any other publicly-listed market rate; · To recover the genuine increased costs of

prov iding current and sav ings accounts to Our customers, including for example the cost of introducing, developing and/or maintaining systems and serv ices; · To recover the genuine increased costs of

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Rate (UK) for the relevant currency on a daily basis. You may obtain details of the Danske Bank Exchange Rate (UK) for the relevant currency by enquiring at any Branch or by telephoning Us. We reserve the right to change the Danske Bank Exchange Rate (UK) for the relevant currency immediately and at any time of the day depending on market conditions.

17.4 If the Danske Bank Exchange Rate (UK) does not apply then We w ill tell You in the Special Terms and Conditions for the relevant product or Serv ice.

18. Statements

18.1 We w ill issue statements regularly to help You manage Your Account. We w ill send this statement to You monthly during any period that there has been a payment transaction on Your Account. These statements w ill set out information concerning each payment transaction. We may also prov ide information concerning payment transactions by other means including information prov ided to You at the time the transaction is carried out or as soon as reasonably practicable thereaf ter. 18.2 If there have been no payment transactions

on Your Account statements w ill be prov ided on a frequency agreed w ith You – usually half yearly for current accounts and sav ings accounts.

18.3 If at any time You would like to receive a statement, or information relating to a particular transaction on Your Account, please contact Us. Duplicate statements w ill also be issued on request subject to payment Interest rate structures enable Us to

achieve Our business and strateg ic objectives (which are set internally) -prov ided that any such change is reasonable and does not result in an Account Holder being treated unfairly; · To enable Us to maintain the

competitiveness of interest rates paid to Our depositors or prov iders of funds; · For any other valid reason - prov ided that

any increase in the Marg in for this reason is a proportionate and reasonable response to the underly ing reason. Where We decide to increase the Marg in We w ill always g ive you at least 2 months notice before doing so. You w ill be able to end the agreement before the end of the notice period w ithout incurring any extra charges. If you end the agreement You w ill have to repay any overdrawn amount.

16.3.4We may decide to reduce the Marg in immediately for any valid reason. We w ill adv ise You of any reductions in the Debit Interest rate on Your statement of Account. 17. Exchange Rates

17.1 We may agree to accept credits to Your Account or make debits from Your Account in a currency other than sterling.

17.2 If We do so, We w ill use Our rate of exchange (known as the 'Danske Bank Exchange Rate (UK)') for the relevant currency on the applicable day at such time as We may select. For transactions over £25,000 (twenty f ive thousand pounds sterling) the rate of exchange w ill always be at least equal to the published rate and is usually better. Business Day immediately follow ing the day

that the Bank of England announces a change to its Bank Rate. We w ill inform You through notices in Our branches and advertisements in the press w ithin three Business Days of the change taking ef fect. The newspapers We normally use are the Belfast Telegraph and/or the Irish News and/or the News Letter. The rates may also be obtained by telephoning any branch or by v isiting Our Website. In certain circumstances We may also adv ise You personally about changes to the Bank of England Bank Rate.

16.3.3We may decide to increase the Marg in that applies to any of Our Debit Interest rates for one or more of the follow ing reasons: · To recover the genuine increased costs of

prov iding credit to our current account customers, including for example the cost of developing and maintaining systems and serv ices;

· To respond proportionately to a change in the risk presented by a customer or a group of customers;

· To recover the genuine increased costs of comply ing w ith legal or regulatory changes which apply to the prov ision of credit to Our current account customers, including for example changes in the law, decisions of the Financial Ombudsman, changes in regulatory requirements and/or changes in industry guidance and codes of practice;

Terms and Condit ions Personal Banking