The Royal Bank of Scotland plc. Registered Office: 36 St ...

1 SA The Royal bank of Scotland plc. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Registered in Scotland No. 90312. B39 5 August 2013 Generated at: Mon Aug 12 16:55:21 2013 Student Royalties A guide to benefits All you need to be UniproofGenerated at: Mon Aug 12 16:55:21 2013 Everyday Banking: easier and safer ..3 Mobile Banking App ..4 Digital Banking ..5 Telephone Banking ..6 Alerts Services ..7 Emergency Cash ..8 Interest Free Overdraft ..9tastecard Membership ..11 Need any help? ..12 Student Credit Card ..12 Student Essentials Insurance ..13 You also get all this ..14 What s next ..15 Student Royalties Account tastecard Terms ..16 Everything you need to know about your new accountYour Student Royalties account comes with a host of features and benefits, some you get automatically but others you will need to register for.

2 This includes our free Mobile Banking App (set up Digital Banking to get yours), and even a tastecard Membership. You can also apply for an interest-free these pages you ll find all the info you need to be Uniproof and maximise your student at: Mon Aug 12 16:55:21 20133 Everyday banking: easier and saferWe offer a whole range of ways to manage your money; you don t always need to come into a ll need to sign up for them, but it s so worth it sort out your banking on the phone or online, at home or out and at: Mon Aug 12 16:55:21 20134 Our free app helps you manage your money on the move, at any time of the day or BankingWith our Mobile Banking app you can Get Cash (withdraw cash without a card), check your balance and more all from the palm of your hand.

3 Available on selected Smartphones all you need is to be set up for Digital Banking and have a mobile app features:See your latest balance and mini-statement Pay your friends, family, credit card or utility bills just use Digital Banking to set up and make your first payment to each new payee beforehandMove money between your accounts Near me find your nearest cash machineTop up your mobileBranch Locator Pay Your ContactsNeed to pay someone but don t have their bank details? Pay Your Contacts enables you to use just their mobile number. They ll get a text and the money will be in their account within one business day of them claiming it. You can send up to 250 a day to anyone with a Visa debit card and a valid UK mobile number this Cash:Mobile Banking also lets you get up to 250 in cash without your debit card.

4 To use this service you must:Be within your daily withdrawal limit. Have at least 25 available funds to withdraw from your account (including any overdraft facility). Have available funds in your account to cover the amount use the app to select an amount from 10 250 and request a secure cash code. The code is valid for up to three hours and can be used at any RBS, NatWest or Tesco cash machine (service not available for iPad).Download your app free from your app store. To find out more, visit Mobile Standard message and data rates apply when using Mobile Banking. Sometimes extra network charges can apply when you use the service abroad. Please check with your network at: Mon Aug 12 16:55:21 20135ee To data work e the th Our Digital Banking service can help you can manage your money quickly and easily, 24 hours a day, 365 days a year.

5 You can:Check your balances. View your statements and search for transactions going back up to seven years. Make transfers between your accounts. Pay friends, family and bills instantly. View and manage your Direct Debits and standing paperless you safe and secure online or on your mobileYou re protected by our Online and Mobile Security promise. This means we ll refund money lost from your account if you ve been a victim of banking fraud in keeping with our obligations. To stay safe and to be protected by our promised, follow the guidance at security softwareTo help keep your identity safe and protect your online banking login details you can also download our Rapport software for free Up to 7 years of printable statements available through Online BankingYou can now download all your statements as a PDF directly from Online Banking for free, and print them to use as proof of your identity, address or income.

6 Up to 7 years of your statements are stored securely for you, so they re always quick and easy to find. If you haven t already done so, go paperless BankingIt s quick and easy to register all you need is your account number, sort code and debit card number. Just go to and follow the step-by-step instructions. Generated at: Mon Aug 12 16:55:21 20136 Wherever you are home or abroad you can use Telephone Banking anytime, day or night. Our team is in the UK, with staff on hand to help 24 hours a day, seven days a week. It s a free service just pay for the cost of your call. Choose our quick and easy automated service or talk directly to a Customer Service Office Get information about any of your accounts not just your Student Royalties AccountGet real-time balances and up-to-the-minute statementsMake instant transfers, pay bills and make payments to family and friendsManage standing orders and direct debitsOrder cheque books, paying-in books and BankingRegister online or call 08457 24 24 24 (Minicom 0800 404 6160).

7 Generated at: Mon Aug 12 16:55:21 20137 Our Alerts Services helps you keep up to date with what s going on in your account. You ll need to sign up for some of these, but you can do this in a couple of minutes. Limit Alerts get a text when your account hits any upper or lower limit you set. Good to confirm when you ve been paid or to warn you that you re about to go overdrawn. Balance Alerts we ll send your account balance to your mobile phone once a week on any day you choose. You could decide to receive an update each Friday, so you know how much you have to play with over the weekend. Act Now Alerts our alerts can help you reduce or even avoid fees for returned payments. These texts or emails specify the time by which you should have cleared funds in your account to cover all payments and keep your account in credit or within any arranged overdraft ServicesTo find out more and register, go to or visit any RBS at: Mon Aug 12 16:55:21 20138If your debit card is lost or stolen, our 24-hour Emergency Cash service will come to your rescue.

8 Here s how it works: Call us immediately on 0870 600 0459 (Minicom 0800 404 6160). We ll ask you a few quick security questions before giving you a code that will be valid for 3 hours and will allow you to withdraw your money at any RBS, NatWest or Ulster bank cash machine in the UK. If you use Digital Banking you can withdraw up to 300. If you don t, you can still withdraw up to 60 to tide you over, if you have enough money in your account. You must have at least 25 in your account to use this service (including any overdraft facility). As for organising a replacement card, we ll make sure we get one to you within 24 hours of you reporting it CashIf your debit card is lost or stolen call us immediately on 0870 600 0459 Generated at: Mon Aug 12 16:55:21 20139 Just pop into your nearest branch to arrangeYou can apply for an overdraft at any point in the year whenever you need extra funds to see you through a difficult financial only is your overdraft easy to arrange, it s also interest-free.

9 That means you don t need to pay us back a penny more than you borrow whilst you re on student whole amount will be interest free, provided you stay within your agreed limit and continue to use your Student Royalties Account as your main bank account. This means you must deposit at least 750 every 6 months and making at least 3 debit transactions every month. If you stop using your account as your main current account then the interest rate you pay on the overdraft will revert to the standard rate which applies to the Select Account. For details of our rates of interest see our leaflet Personal & Private Current Account Fees & Interest Rates .How much can I borrow?All Student Royalties Account customers starting their first year of university will have the following thresholds applied, however you can apply for an overdraft of any value up to that amount.

10 You can increase the overdraft limit each year all you need to do is to contact your local Free OverdraftYear 1 Year 2 Year 3 Year 4 Year 5up to 1,000up to 1,250up to 1,500up to 1,750up to 2,000To help keep your money manageable, we normally offer the folllowing limits across the three terms of your first year:1st term2nd term3rd term 500 750 1,000 Never borrow more than you need. It s important to keep borrowing to a minimum. Only ask for an overdraft to cover the extra funds you really facilities are available to over 18s only. Overdraft repayable on at: Mon Aug 12 16:55:21 2013 You10 Generated at: Mon Aug 12 16:55:21 2013 Enjoy 2 for 1 meals or 50% off your food bill with your tastecard. As a member of the UK s largest dining club, you get discounts at thousands of restaurants across the UK, including Pizza Express, GBK and Strada as well as many local receive your tastecard you must sign up to Digital Banking and you must choose to receive paperless statements.