For more information about all your benefits either go online at membershipbenefits.rbs.co.uk or call Membership Services.

Remember – to use your benefits you need to be resident in the UK. Call (+)44 141 308 8045 for further details.

A reminder of your Royalties Gold Account benefitsAs well as great Mobile Phone Insurance here’s a quick run through your main benefits as of 17 February 2013. Please have a read so you can make the most of them.

5-star Defaqto-rated worldwide multi-trip travel insuranceRemember you have travel insurance with your account that covers:

· You and your family, whether it’s for a few days in the UK, or the holiday of a lifetime in the USA.

· Unlimited trips of up to 31 days anywhere in the world, winter sports included.

· Please read your policy for full conditions.

· If you are 70 years old or older you need to call 0870 609 1211 each year in order to obtain cover. You’ll also have to pay an annual premium of £50 per account and will be medically screened.

· If you have an existing medical condition you’ll need to call 0870 609 1211 for screening – you may be required to pay a premium for cover or we may decide not to cover you for this condition.

Car breakdown coverYou can’t choose where you break down. Now, if Green Flag can’t get you going again, they’ll tow you to one of their selected UK repairers, no matter how far away. Previously you’d have been charged to be towed more than 10 miles.

· You’re automatically covered at home and on the road for all cars you own.

Please call Membership Services in an emergency.

Travel benefitsWe look forward to holidays but not to paying for them. Your account gives you a helping hand with the cost through:

· Royalties Travel Service – for up to 10% savings on holidays, hotels or flights.

· Travel Money Service – preferential exchange rates and complimentary home delivery.

Extended Warranty Breakdown cover for domestic electrical goods for up to 2 years after the manufacturer’s original warranty has expired.

Discounted dining service Eat out for less at over 700 restaurants when you book through Royalties Membership Services or online.

Freetime Activities Savings at a range of the UK's leading attractions – theme parks, castles, zoos and sealife centres.

Sentinel Protection® Lost and Stolen Card Assistance Register your cards and in the event of them becoming lost or stolen we will arrange for your cards to be cancelled and reissued.

January 2013The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB We are authorised and regulated by the Financial Services Authority, except for consumer credit, where we are licensed by the Office of Fair Trading.

90274199.indd 1 24/01/2013 14:16