important changes to your royalties gold account

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Important changes to your Royalties Gold AccountDecember 2012

You can register to receive your account statements and other communications

like this one electronically. To find out more visit rbs.co.uk/paperless

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Contents

Changes to your Royalties Gold Account 3

Summary of changes to your Royalties Gold Account benefits 3

New account terms 4

Detailed changes to our Benefit Terms 5

Royalties Gold Account Mobile Phone Insurance benefit terms 6

Royalties Gold Account Payment Card Protection benefit terms 15

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Changes to your Royalties Gold Account� We are making changes to the benefits of your Royalties Gold Account. These changes will re-focus the

benefits on the needs of customers by improving the benefits that we believe customers value most and

removing those benefits that customers use less often.

� As the cost of the benefits that we are providing to you has continually increased over the past number of

years, we are removing a number of benefits that customers use less often so your account fee will remain at

£12.95 per month.

� We are also updating the terms that apply to your Royalties Gold Account to make them shorter and easier to

read and understand.

� These changes alter the terms of the contract between you and us and will take effect on 17 February 2013.

Summary of changes to your Royalties Gold Account benefitsWe are making the following changes to our ‘Royalties Gold Service Guide’ and our ‘Royalties Gold Home Emergency

Service’ leaflets (collectively our “Benefit Terms”):

Changed BenefitsCar Breakdown Cover� We are improving our Car Breakdown Cover. Previously, if your car could not be fixed at the roadside or your

home, Green Flag Motoring Assistance (“Green Flag”) would transport you to a repairer within 10 miles of the

incident and you could be required to pay extra if you needed to be transported outside this 10 mile area;

whereas Green Flag will now take you to a nearby available repairer of their choice no matter how far away, at

no extra cost. You can still choose to be transported to a destination of your choice as long as it is either within

10 miles of the incident or no further than Green Flag’s choice of repairer. Please note that you may have to

pay extra costs if your choice of destination exceeds 10 miles and is further than Green Flag’s choice of nearby

available repairer.

� We are also amending the definition of “Insured Vehicle” to clarify that motorcycles are covered by this benefit.

Mobile Phone Insurance� We are changing our Mobile Phone Insurance cover so that:

– there will no longer be a requirement for you to register your mobile phone with the insurer – you will

automatically be covered by the policy;

– you will now have 10 days from discovering the incident (or from returning to the UK if the incident happens

abroad), rather than 48 hours, to notify the insurer if you have a claim for the loss, theft, damage or

mechanical or electrical breakdown of your mobile phone;

– the amount of the excess that you are required to pay if you make a successful claim will increase from £25

for your first claim in any one year and £50 if you claim again within 12 months, to £50 for each successful

claim for all handsets apart from iPhones, which carry an excess of £100;

– the SIM card exclusion will be removed. Previously, any mobile phone that did not contain a SIM card at

the time of the incident claimed for was not covered by your Mobile Phone Insurance policy. However, this

exclusion will no longer apply;

– you will now be able to register claims online as well as by telephone;

– accessories cover will be extended to cover damage as well as loss and theft of your accessories (where this

occurs at the same time as the incident relating to your mobile phone); and

– there will no longer be a requirement to register authorised users on the policy. Your mobile phone will be

covered when it is being used by you or certain household members. (Please see the Royalties Gold Account

Mobile Phone Insurance Terms below for details of who this includes. Previously registered authorised users

may not be considered to be household members in accordance with the terms of the policy and may no

longer be covered).

Payment Card Protection� We are making the following changes to our Payment Card Protection benefit, which will now be referred to as

“Sentinel® Protection Lost and Stolen Card Assistance”:

– we will no longer provide cover under this benefit for unauthorised transactions arising from the use of your

lost or stolen card;

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– we are introducing new features, including: (i) cover for loss or theft of your personal belongings (handbag,

wallet, purse and/or briefcase) and personal money, which are lost or stolen at the same time as your cards

(ii) cover for communication costs incurred in notifying an incident to the police, the benefit administrator

and other insurers and (iii) a valuable document registration service;

– we are increasing our emergency cash advance limits from £1,000 in cash and 4 replacement travel tickets

(or £3,000) per incident, to a total of £7,750 per incident; and

– the service elements of this benefit will be provided by Sentinel® Protection, (which is a trading name of

Affinion International Limited) rather than Royalties Membership Services. The insurance elements of this

benefit will continue to be underwritten by Allianz Insurance plc.

Removed BenefitsYou will no longer be able to access the following benefits:

� Identity Theft Protection – insurance against identity theft, including access to Equifax credit reports and

valuable document registration.*^°

� Accidental Death Insurance – insurance against accidental death, provided and underwritten by ACE

European Group Limited.*^

� Ticket Booking Service – 25% cash-back on live entertainment tickets.*

� Home Emergency Service – emergency cover for incidents which occur in your home.*^

� Banking Benefits – preferential rates on insurance, saving and borrowing (for example, discounts on car and

home insurance, tailored rates on credit cards, overdrafts and personal loans, access to a mortgage offer and

preferential rates on savings). We will however make other banking offers available to you from time to time.

If you have taken advantage of any existing banking benefits, the terms of these will not be impacted by this

change.^

� Hotel Booking Service – access to hotel booking discounts offered by OctopusTravel.com Limited, however

the discount on hotel bookings provided by Affinion International Travel Limited, through the Royalties Travel

Service will continue to be available.*

*Please note that any claims or bookings made before 17 February 2013 will be unaffected.

°Please note that you are still able to claim for identity theft events that occur on or before 17 February 2013.

^Please consider whether you need to make your own alternative arrangements for any of these benefits.

The section of this leaflet headed “Detailed changes to our Benefit Terms” provides full details of the changes to

our Benefit Terms.

The updated versions of our Benefit Terms will be available on request in your local branch from 17 February 2013.

New account termsWe have enclosed a booklet which sets out your updated terms that are now shorter and easier to read and understand,

which includes:

� RBS Personal & Private Current Account Terms;� Personal & Private Current Account Fees & Interest Rates; and

� Helping you get the most from your Personal & Private RBS Current Account.Please read these documents carefully as they contain important information which you need to be aware of.

Please read the information in this leaflet carefully and keep it for future reference.If you have any questions or need further information on how any of these changes affect you, please contact

your local branch.

You have the right to close your account or switch to another account we are willing to provide you. You’ll have

until 17 February 2013 to do so without loss of interest or additional charges. If you do not close or switch your

account these changes will take effect as detailed in this leaflet.

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Detailed changes to our Benefit Terms� The first paragraph in the “Royalties Gold – Terms and Conditions” section of our ‘Royalties Gold Service

Guide’ leaflet is being deleted and will be replaced with the following: “These Terms and Conditions should be read together with our RBS Personal & Private Current Account

Terms and our Personal & Private Current Account Fees & Interest Rates.”

� The “Roadside assistance” clause and the “Home-Call” clause within the section headed “Car Breakdown – Terms and Conditions” in our ‘Royalties Gold Service Guide’ leaflet are being deleted and will be replaced with the following:

“What is covered Following an Insured Incident occurring at the roadside or your Home we will provide assistance and,

if necessary, transportation of the Insured Vehicle and Insured Persons to: (i) a nearby available repairer

of our choice; or (ii) a destination of your choice provided it is either within 10 miles of the Insured Incident or no further than our choice of nearby available repairer.

Please note: You may have to pay extra costs if your choice of destination exceeds 10 miles and is further than our choice of nearby available repairer.”

� At General Condition 3 of the “General conditions applicable to this membership” clause within the section headed “Car Breakdown – Terms and Conditions” in our ‘Royalties Gold Service Guide’ leaflet, the word “motorcycle,” is being inserted between the words “car,” and “motorised caravan”.

� The section headed “Mobile Phone Insurance – Royalties Gold” in our ‘Royalties Gold Service Guide’ leaflet is being deleted and will be replaced with a new section headed “Royalties Gold Account Mobile Phone Insurance Terms” which can be found on pages 6-14 of this leaflet.

� The section headed “Payment Card Protection – Terms and Conditions” in our ‘Royalties Gold Service Guide’ leaflet is being deleted and will be replaced with a new section headed “Sentinel® Protection Lost and Stolen Card Assistance Terms” which can be found on pages 15-20 of this leaflet.

� The section headed “Identity Theft Insurance - Terms and Conditions” and all other references to identity theft insurance in our ‘Royalties Gold Service Guide’ leaflet are being deleted.

� The section headed “Royalties Gold Accidental Death Insurance” and all other references to accidental death insurance in our ‘Royalties Gold Service Guide’ leaflet are being deleted.

� The section headed “Ticket Booking Service – Terms and Conditions” and all other references to the ticket booking service in our ‘Royalties Gold Service Guide’ leaflet are being deleted.

� The ‘Royalties Gold Home Emergency Service’ leaflet is being removed and all references to the “Home Emergency Service” throughout our Benefit Terms are being deleted.

� All references to the tailored rates on credit cards, loans and overdrafts, the special mortgage offer and the exclusive Royalties Saver Account throughout our ‘Royalties Gold Service Guide’ leaflet are being deleted.

� The sections headed “Discounted 4 Star Defaqto Rated Home Insurance” and “Discounted Car Insurance” and all other references to discounted home insurance or discounted car or motor insurance in our ‘Royalties Gold Service Guide’ leaflet are being deleted.

� The section headed “Discounted Hotel Booking Service – Terms and Conditions” and all other references to the “Discounted Hotel Booking Service” in our ‘Royalties Gold Service Guide’ leaflet are being deleted.

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Royalties Gold Account Mobile Phone Insurance benefit termsThe section headed “Mobile Phone Insurance – Royalties Gold” in our ‘Royalties Gold Service Guide’ leaflet is being

deleted and will be replaced with the following section:

Royalties Gold Account Mobile Phone Insurance Terms1. PROVIDER OF MOBILE PHONE INSURANCE

This benefit is provided by Homecare Insurance Limited (registered in England and Wales under number 02793290)

(Homecare).

Homecare is one of the companies in the CPP group of companies.

Homecare is authorised and regulated by the Financial Services Authority (FSA). Homecare’s Firm Reference

Number is 202880. You can check this on the FSA’s register by visiting the FSA website fsa.gov.uk or by contacting

the FSA on 0845 606 1234.

Homecare is covered by the Financial Services Compensation Scheme so you may be entitled to compensation

if Homecare cannot meet its obligations. Insurance advising and arranging is covered for 90% of a claim without

any upper limit. Information can be obtained by visiting the Financial Services Compensation Scheme website at

fscs.org.uk or by calling 0800 678 1100.

2. REGISTRATION

2.1. You are automatically registered for this benefit.

2.2. You do not need to register your device with Homecare to get this benefit but you can choose to do so.

If it is registered this might make the claims process for that device quicker for you.

2.3. If you do register a device with Homecare and you later change your device, you will still be covered for

that new device even if you have not told Homecare about that before you make your claim.

2.4. If you have your proof of ownership you can register your device with Homecare by the following

methods:

2.4.1. by phone: by calling 0870 562 5555; or

2.4.2. online: by visiting rbsroyalties.com; or

2.4.3. in branch: by completing a form. Ask branch staff for a form.

3. MEANINGS YOU NEED TO KNOW

Any references to “Terms” or “Term” mean terms in this Royalties Gold Account Mobile Phone Insurance Policy.

Words in italics used in these Terms have special meanings. Please read Term 24 ‘MEANINGS YOU NEED TO KNOW’

for the special meanings to get the full picture of this benefit.

4. STATEMENT OF DEMANDS AND NEEDS

You have not been provided with a personal recommendation as to whether this benefit is suitable for your specific

needs. It is recommended that you read these Terms carefully to see if you think this benefit meets your needs.

5. PRIVACY

We share your information with Homecare in accordance with General Term 1.3 of our ‘RBS Personal & Private

Current Account Terms’, to the extent needed for Homecare to provide this benefit to you.

Homecare is registered as a Data Controller with the Information Commissioner’s Office under the terms of the

Data Protection Act 1998, with the registration number Z5107254. This Term 5 sets out how Homecare will use

and protect any personal information that you give to Homecare directly under your policy.

Homecare may collect and use the following information:

� your name and contact information (including e-mail address and mobile phone number);

� financial information including card payment and account details;

� information that you provide when you use your policy;

��records of any correspondence with you regarding any specific enquiry you make to Homecare.

Homecare may use your information for the following purposes:

� to make decisions on your policy;

� to provide you with and manage your policy and provide the cover described in these Terms;

� to process and collect payments from you when due;

� internal record keeping;

� to improve Homecare’s products and services (but not to try to sell to you);

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� to process any claim you make or to contact you regarding any specific enquiry you make;

� to contact you for market research purposes, if you have not objected to such use;

� statistical analysis;

� fraud prevention; and

��debt collection.

Your personal information will be made available to Homecare’s approved supplier and other authorised service

providers and third party suppliers which perform certain services on Homecare’s behalf, e.g. providing IT support

and maintenance. These service providers may have access to personal information needed to perform their

functions on Homecare’s behalf but are not permitted to share or to use such information for any other purpose.

These service providers may be in other countries but where any information is transferred abroad, your personal

information will be safeguarded in accordance with the provisions set out in this Term 5.

Homecare may share limited personal information with other companies within its group of companies,

e.g. to the extent needed for proper management and parental analysis and decision making.

Homecare may also disclose your personal data:

��in response to a court order, or a request for cooperation from a law enforcement or other government agency;

to establish or exercise Homecare’s legal rights; to defend legal claims; or as otherwise required or permitted

by applicable laws and/or regulations;

� when Homecare believes that disclosure is appropriate in connection with efforts to investigate, prevent, or take

action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property

or safety of Homecare, other members of Homecare’s group of companies, customers, staff, suppliers or others; to

comply with applicable law or cooperate with law enforcement; or to enforce Homecare’s terms or other agreements;

��to prospective or actual buyers in the event that Homecare sells any of its business or assets, or to other

members of Homecare’s group of companies in the event of a reorganisation.

If your device is lost or stolen, Homecare will give relevant details to your network provider so that the device

cannot be used. Homecare will arrange repairs to or authorise the replacement of a damaged device or authorise

the replacement of a lost or stolen device. When processing claims, Homecare may contact the police to make

sure that a crime or loss reference number or police report is genuine.

Homecare will record your information on relevant databases and registers for the purposes of crime prevention

and detection. If you make a claim, Homecare may record your information on relevant insurance industry

databases (e.g. SEND) and registers for future claims administration and further fraud and other crime prevention

and detection purposes, and may share your information with the police, other insurers and fraud prevention

agencies to prevent fraudulent claims.

Homecare will not otherwise transfer, disclose, sell, distribute or lease your personal information to third parties

unless they have your permission to do so or are otherwise required or permitted to do so by law.

Personal data which relates to you may be accessed by third party service providers based in countries outside

the European Economic Area (EEA), such as Malaysia.

European data protection law permits the export of personal data to other countries subject to the provision of

adequate levels of protection for the processing of such personal data. We will ensure that where we transfer your

personal information outside the EEA, adequate safeguards are put in place to protect your personal information

as data protection standards in those countries may differ from those in the EEA.

You may request details of personal information which Homecare holds about you under the Data Protection Act

1998 at any time. A small fee will be payable. If you would like a copy of the information held about you please

write to Homecare at:

UK Compliance Team

Homecare Insurance Limited

Holgate Park

Holgate Road

York

YO26 4GA

If you think any information Homecare holds about you is incorrect or incomplete, please write to Homecare as

soon as possible. Homecare will correct or update any information as soon as possible.

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6. POLICY TERMS AND CONDITIONS

Please read these Terms carefully. These Terms set out the terms and conditions of the insurance cover provided

to you, along with all the conditions, limits of liability and exclusions that apply to your policy. Please note in

particular that:

��You need to notify your network provider, the police and Homecare by the deadlines set out in Term 16 (where those apply to your circumstances). If you fail to do so, your claim will be unsuccessful unless Homecare (in their discretion) agree otherwise.

��You are entitled to up to two successful claims under your policy in any 12 month period. Maximum claim amount limits apply for your device, its accessories and airtime abuse (see Terms 7, 10 and 12).

��Homecare is entitled to offer you the replacement cost of your device in vouchers but you are entitled to request it in cash instead.

��Replacements may either be new items or refurbished stock.��In all successful claim circumstances (other than repair), you lose ownership of your device. You cannot keep it.��The excess is the amount of each claim that Homecare will not pay: iPhone excess is £100 and for any

other device is £50.��If you have other insurance cover for the items covered by your policy, Homecare is only liable to pay

for Homecare’s share. You need to provide Homecare with the details of the other insurer(s) if you claim under your policy.

7. WHAT IS COVERED UNDER YOUR POLICY

7.1 The device 7.1.1. Your policy provides (subject to these Terms) insurance cover for one device up to a maximum

value of £1,000 per claim, against:

7.1.1.1. loss or theft of, or damage (accidental and malicious) to, your device; and

7.1.1.2. mechanical or electrical breakdown of your device after the warranty period has

expired.

The device is covered while it is being used by you or any household member. Your device will not

be covered while being used by someone other than you or a household member. For joint accounts, each account holder has this cover for a device owned by him/her.

7.1.2. If your device is lost or stolen Homecare will try to provide you with a replacement. If Homecare

is unable to provide you with a suitable replacement, Homecare will give you an amount equal to

the replacement cost of your device to enable you to replace your device. Homecare is entitled to

offer you that amount in cash or vouchers, but you can always choose to be paid in cash.

7.1.3. Where Homecare provides you with a replacement for your device, Homecare will try to provide

you with the same model. If Homecare cannot provide you with an exact replacement, then

Homecare will provide one that has similar features and functionality to the one you have

claimed for, but the colour may not always be the same. Replacements may either be new items or refurbished stock. All replacements that Homecare provides will come with a 12

month warranty from Homecare’s approved supplier. Repairs or replacements under that

warranty will not affect your claims history under your policy.

7.1.4. If your device breaks down outside its warranty period or is damaged, Homecare will, at Homecare’s discretion, either:

��arrange for it to be repaired; or��pay for you to get it repaired by a repairer approved by Homecare; or��replace it (if in Homecare’s reasonable opinion it would be more cost-effective to do so); or ��if Homecare cannot repair or replace your device, Homecare will give you an amount equal to the replacement

cost of your device to enable you to replace your device. Homecare is entitled to offer you this amount in cash

or vouchers, but you can always choose to be paid in cash.

If Homecare chooses to settle a claim for your device by giving you vouchers or cash, Homecare will give you

vouchers or cash of an amount equivalent to the cost of buying from a high street retailer a replacement device with

similar features and functionality to the device in respect of which you are making a claim.

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8. DEVICE COVER CONDITIONS

8.1. Homecare will not pay a claim in respect of your device unless you can provide proof of ownership for your device.

8.2. You, and any household members using your device, must take reasonable precautions to prevent the

loss, theft or damage of your device.

8.3. Unless Homecare tells you otherwise, if you make a claim for damage or mechanical or electrical breakdown, you must, before the claim can be assessed, send the device to Homecare’s approved supplier so that they can inspect it. Homecare will, on receipt of your claim, advise you of its approved supplier and

will advise you as part of the claims process how to send the device to that approved supplier. If you are

required to send this at your cost, then if your claim is successful, any postage costs that you have incurred

will be deducted from the excess payable.

8.4. If Homecare’s approved supplier is unable to repair your device and you are provided with a

replacement, the damaged or faulty device will become owned by Homecare’s approved supplier

and you will not get your device back. Your device will remain your responsibility until Homecare’s

approved supplier has received it.

8.5. If you make a successful claim for a lost or stolen device, ownership of your lost or stolen device

passes to Homecare if it is found. If you find your lost or stolen device you must contact Homecare to

arrange for it to be sent to Homecare. Homecare will send you a pre-paid envelope for this purpose.

If Homecare finds that you have found your device and it has not been sent to Homecare, Homecare

reserves the right to recover from you:

8.5.1. the value of any replacement device;

8.5.2. any payment;

8.5.3. the value of any vouchers, given or made to you under these Terms.

9. DEVICE COVER EXCLUSIONS

9.1. Your policy does not cover:

9.1.1. the cost of a replacement SIM card or any software loaded on to your device such as games,

ring tones and other applications;

9.1.2. any mechanical or electrical breakdown that takes place when your device is still under its

warranty period;

9.1.3. loss, theft, damage or mechanical or electrical breakdown of your device if this happens whilst

your device is being used by someone other than you or a household member;

9.1.4. the loss, theft, damage or mechanical or electrical breakdown of your device as a result of you

or a household member failing to take reasonable precautions;

9.1.5. loss, theft, damage or mechanical or electrical breakdown of your device if this happened before

you opened your account and you were aware of this before opening it;

9.1.6. damage caused by reckless use of your device. This includes (but is not restricted to) damage

caused because you or a household member have not followed the manufacturer’s instructions;

9.1.7. malicious damage caused by you or a household member;

9.1.8. theft of your device from a car or other vehicle, unless:

9.1.8.1. it was out of sight,

9.1.8.2. the vehicle’s security systems were activated; and 9.1.8.3. there is evidence that the vehicle has been broken into;

9.1.9. theft of your device from any unattended premises unless there is evidence of forced entry;

9.1.10. damage or mechanical or electrical breakdown of your device if Homecare cannot verify the IMEI number of the device that you have returned to Homecare for examination and there is no IMEI

sticker on it;

9.1.11. damage caused by any electronic virus;

9.1.12. repair costs if these are not approved by Homecare before they are carried out;

9.1.13. costs of routine servicing, inspections, adjustments or cleaning;

9.1.14. normal wear and tear, including surface cracks that do not affect the use of your device, flaws,

scratches or chips;

9.1.15. loss or damage caused by, or occurring during, maintenance or modification of the device;

9.1.16. any form of loss, cost or damage which is not the cost of repairing or replacing your device;

9.1.17. claims made because the device has been confiscated or is being held by the police or any

government or regulatory body.

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10. ACCESSORIES COVER

10.1. If you have made a successful claim under your policy for your lost or stolen or damaged device, your

policy also provides cover up to a maximum value of £200 per claim, for accessories for your device such

as chargers, cases, earphones, Bluetooth headsets and memory cards, if they are lost, stolen or damaged at the same time as your device, in which case Homecare will, at Homecare’s discretion, either:

10.1.1. replace them; or 10.1.2. give you the replacement cost of the accessories.

If Homecare chooses to settle a claim for accessories by giving you the replacement cost, Homecare

will give an amount equivalent to the cost of buying from a high street retailer accessories with similar

features and functionality to the accessories in respect of which you are making a claim. Homecare is

entitled to offer you that amount in cash or vouchers, but you can always choose to be paid in cash.

11. ACCESSORIES COVER EXCLUSIONS AND CONDITIONS

11.1. Your policy does not cover any accessories which are not lost, stolen or damaged at the same time as

your device.

11.2. If Homecare replaces the accessories, Homecare will try to provide you with the same model. If Homecare

cannot provide you with an exact replacement, then Homecare will supply you with an accessory that has

similar features and functionality to the one you claimed for if this is compatible with your device, but

the colour of the accessory may not always be the same.

11.3. Your policy does not cover the cost of a replacement SIM card or any software loaded on to your

device such as games, ring tones and other applications.

11.4. Homecare will not pay any claim in respect of accessories if you cannot provide proof of purchase for

those accessories, unless they were provided as standard with your device.

12. AIRTIME ABUSE COVER

12.1. If you have made a successful claim under your policy for your lost or stolen device and someone has

incurred call, SMS, MMS or data charges on that device without your permission, then:

12.1.1. if your device is on a monthly airtime contract, Homecare will provide cover up to a maximum

value of £1,500 for such charges which you are required to pay for (which are not inclusive

calls, SMS, MMS or data under that contract) which are incurred in the 12 hours before you

notify your network provider that your device is lost or stolen and request a block is put on it;

12.1.2. if you pre-pay for your airtime, Homecare will provide cover for pre-paid credit up to a maximum

value of £100 for any credit purchased within the 24 hours prior to the loss or theft of your device.

If you make a claim under this Term 12, you must be able to provide proof of the charges/credit

claimed for, for example a mobile phone statement showing the unauthorised call, SMS, MMS and/or

data charges or a proof of purchase for pre-paid credit.

13. THE EXCESS

13.1. The excess is the amount of each claim that Homecare will not pay. The amount you have to pay depends

on whether your device is an iPhone or not. The excesses payable are:

13.1.1. for a claim in respect of an iPhone, you have to pay £100; or

13.1.2. for a claim in respect of a device which is not an iPhone, you have to pay £50.

14. CLAIMS: GENERAL

14.1. You are entitled to up to two successful claims in any 12 month period under your policy.

14.2. For joint accounts, each account holder is entitled to up to two successful claims in any 12 month

period. Your entitlement under Term 14.1 is not affected by the amount of successful claims made by the

other holder of your joint account.

14.3. If you make a claim, Homecare will ask for proof of ownership for claims for your device, proof of

purchase for any accessories claimed for (unless they were provided as standard with your device)

and proof of any charges/credit claimed. You must be able to provide this. Homecare may also ask for

documentation or other proof to support your claim. What Homecare will require will depend on the

circumstances of your claim, but an example would be a Police Crime Reference Number to support a

claim for theft. You can provide photocopies, if this is easier.

14.4. If the device is lost, stolen, damaged or breaks down outside the UK, Homecare will not settle the claim

until you have returned to the UK.

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15. CANCELLING THE POLICY

You may cancel your policy by calling 0870 562 5555 during the times referred to in Term 16.1.2 below.

16. CLAIMS: HOW TO MAKE A CLAIM

16.1. If you need to make a claim, you can do so either:

16.1.1. online: through rbsroyalties.com; or

16.1.2. by phone: by calling 0870 562 5555 with lines open 8am to 8pm Monday to Friday and 9am to 6pm

Saturday and Sunday (except Christmas Day and Boxing Day). Homecare will tell you what

to do, including what paperwork you will have to provide to support your claim.

16.2. If you are in the UK and you need to claim: you must report the incident in accordance with the

following table:

incident

action required loss theft malicious damageaccidental damage or mechanical or

electrical breakdown

report to network provider

within 24 hours

of discovery

within 24 hours

of discoveryN/A N/A

report to police N/Awithin 24 hours

of discovery

within 24 hours

of discoveryN/A

report to Homecarewithin 10 days

of discovery

within 10 days

of discovery

within 10 days

of discovery

within 10 days

of discovery

Remember to get a crime or loss

reference number or police report

16.3. If you are outside the UK and you need to claim: you must report the incident in accordance with the

following table:

incident

action required loss theft malicious damageaccidental damage or mechanical or

electrical breakdown

report to network provider

within 48 hours

of discovery

within 48 hours

of discoveryN/A N/A

report to police within 48 hours

of discovery within 48 hours

of discovery

within 48 hours

of discoveryN/A

report to Homecarewithin 10 days

of return to UKwithin 10 days

of return to UKwithin 10 days of return to UK

within 10 days of return to UK

Remember to get a crime or loss

reference number or police report

Please note that if you are outside the UK, Homecare will not replace or repair the device until you return to the UK.

17. CLAIMS: GENERAL CONDITIONS

To allow Homecare to process your claim, Homecare will need the information listed below, but please contact Homecare to register your claim:

� within 10 days of discovery (if you are in the UK) or� within 10 days of your return to UK (if you are outside the UK when discovered),

even if you do not have all of the information to hand:� your sort code and account number

� your device’s IMEI number� proof of ownership� a payment method for your excess

� the time and date of the incident

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� for loss and theft claims, time and date you requested that your network provider placed a block on your

device and crime or loss reference number or police report

� for theft and malicious damage claims in the UK and for theft, malicious damage and loss claims outside the

UK, a crime or loss reference number or police report and name of police station

If your device is lost, stolen, damaged or breaks down outside the UK, Homecare will not settle your claim until

you have returned to the UK.

18. FRAUD

18.1. If you have any concerns in relation to fraud, please call 0870 562 5555 and ask to be transferred to

the Fraud Investigation Unit. Alternatively, you can write to:

Fraud Manager


Holgate Park

York

YO26 4GA

18.2. If you, or anybody acting for you:

18.2.1. make a claim knowing it to be fraudulent;

18.2.2. make a statement in support of a claim knowing the statement to be false or untrue in any

respect, or submit a forged or false document in support of a claim knowing the statement to

be false or untrue in any respect; or

18.2.3. deliberately misrepresent or deliberately fail to disclose material facts with the intention of

deceiving Homecare in relation to this benefit while your account is open, Homecare will not

pay the claim.

18.3. Details of claims may be put on a Register of Claims through which insurers share information to

prevent fraudulent claims. A list of participants and the name and address of the operator of the claims

register are available from Homecare on request.

19. OTHER INSURANCE

If you have other insurance that provides the same or substantially similar benefits, you must tell Homecare

this when you make a claim. Homecare will not pay more than Homecare’s share of any claim if your device is

covered by other insurance.

20. SETTING ASIDE

If Homecare chooses not to apply any Term, this will not prevent Homecare from applying that Term or otherwise

relying on it in the future.

21. THE CONTRACT

There is a contract between you and Homecare. The conditions that appear in these Terms are part of the

contract. Failure to comply with any condition may mean that claims will not be paid and no replacement or

repair will be provided.

22. HOW TO MAKE A COMPLAINT

If you want to make a complaint in relation to your policy, please phone Homecare on 0870 562 5555 or write to:

Complaints Manager


Holgate Park

York

YO26 4GA

Homecare will try to respond to your complaint within 5 business days. If Homecare cannot, Homecare will send

you an acknowledgement letter to keep you informed of the progress Homecare is making. If you are not happy

with the response you receive, you can take this up with the Financial Ombudsman Service. Homecare (but not

you) is bound by any decision they reach. Their address is:

Financial Ombudsman Service

Insurance Division

South Quay Plaza

183 Marsh Wall

London

E14 9SR

12

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13

You must contact the Ombudsman within six months of receiving Homecare’s final response to your complaint

(that response will include the words “final response”). The Ombudsman will not be able to help you unless you

have first made your complaint to Homecare.

23. SPECIAL REQUIREMENTS

Homecare is committed to meeting the needs of all its policyholders, including those with special needs. Letters

and other documents are all available on request in Braille or large text or on audio tape. Hearing and speech-

impaired policyholders who wish to speak to Homecare and have a textphone available can do so by using the

RNID’s Typetalk Relay service. This is available 24 hours a day, seven days a week and allows customers who

find this convenient to contact Homecare via a Typetalk Operator who will relay instructions and other requests

verbally to Homecare’s call centre staff.

Please note that to use Typetalk Relay, you must have or be able to get access to a textphone. If so, just dial 18001 and

then dial Homecare’s number; once the call is connected, a Typetalk Operator will join the call to relay your message.

Homecare’s responses will then appear as text on your textphone. For Typetalk, please call 18001 0870 562 5555.

For all other services, including requests for Braille, large print or audio versions of any of Homecare’s documents,

please call 0870 562 5555. In all cases, Homecare will be happy to help.

24. MEANINGS YOU NEED TO KNOW

approved supplier the person that Homecare nominates to carry out repairs to, or provide a replacement

for, your device

business day a day on which banks in the UK are generally open for business, other than weekends

and local bank holidays

device a mobile phone or personal digital assistant (PDA) with phone functionality owned by you which:

� you use; or

� you make available to any household member for them to use

Financial Services Authority

Financial Services Authority including any successor authority which in the future

takes over responsibility for registration of financial services providers in the UK

household member anyone who is permanently resident in your home and who is:

� your spouse

� your partner

� a child (who you, your spouse or your partner is the legal guardian of).

Such a child who is a student who is resident in your home except during term time is

deemed to be permanently resident for these purposes

IMEI number International Mobile Equipment Identity number. This is a unique serial or

identification number which can be used to identify your device

individual a human being

mechanical or electrical breakdown

the actual breaking or burning out of any part of the device caused by, or arising from,

internal electronic, electrical or mechanical defects, or defective or faulty materials,

or workmanship, causing stoppage of normal operation and necessitating immediate

repair or replacement before normal operation can be resumed. For the avoidance of

doubt, this does not include damage caused to the device by an electronic virus

person includes any individual, firm, company, corporation, government, state or agency of a

state or any association, trust, joint venture, consortium or partnership of any kind

policy the policy created by these Terms when your account is opened

proof of ownership the till receipt provided at the point of sale that details the sale to you of your device,

or similar documentation that provides proof that you own the device (for example a

mobile phone statement showing the IMEI number)

reasonable precautions

all measures that it would be reasonable to expect you and/or any household member

to take to try to prevent loss, theft, damage or mechanical or electrical breakdown of

your device

refurbished stock a used mobile phone or personal digital assistant (PDA) which has been refurbished to

“as new” standard

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14

UK England, Scotland, Wales and Northern Ireland

warranty period the period of time that your device is covered by a warranty given by either the

manufacturer or a supplier of your device (including Homecare’s approved supplier)

we, us, our The Royal Bank of Scotland plc

25. LAWS WHICH APPLY TO THESE TERMS

25.1. If your address is in Scotland:

25.1.1. Scots law applies between you, us and Homecare; and

25.1.2. the Scottish courts have non-exclusive jurisdiction over any disputes arising out of this benefit.

25.2. If your address is in England or elsewhere:

25.2.1. English law applies between you, us and Homecare; and

25.2.2. the English courts have non-exclusive jurisdiction over any disputes arising out of this benefit.”

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15

Royalties Gold Account Payment Card Protection benefit termsThe section headed “Payment Card Protection – Terms and Conditions” in our ‘Royalties Gold Service Guide’ leaflet

is being deleted and will be replaced with the following section:

“Sentinel® Protection Lost and Stolen Card Assistance TermsThis benefit is provided by Sentinel® Protection.

Sentinel® Protection is a trading name and registered trademark of Affinion International Limited. Registered in

England No.1008797. Registered address: Charter Court, 50 Windsor Road, Slough, Berkshire SL1 2EJ.

Affinion International Limited (“Affinion”) is authorised and regulated by the Financial Services Authority

in respect of insurance mediation activities only. Its FSA registered number is 311584. Affinion acts as an

intermediary for arranging the insurance and provides the administration of the associated services. The

insurance provided by this benefit is underwritten by Allianz Insurance plc: Registered in England No. 84638.

Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB United Kingdom. Allianz Insurance plc is authorised

and regulated by the Financial Services Authority (FSA).

STATEMENT OF DEMAND AND NEEDSSentinel® Protection agreement meets the demands and needs of residents of the United Kingdom who are over

18 years of age and wish to ensure they:

��are covered against the accidental loss or theft of their personal belongings (handbag, wallet, purse or briefcase)

and personal money;

��are covered for communication costs incurred in dealing with an incident – notifying Sentinel® Protection,

the police or another insurer of the loss or theft of cards, personal belongings and personal money.

Please note however the insurance covers included in this agreement have not been provided to you based on a

personal recommendation.

MEANINGS YOU NEED TO KNOWSome of the words in these Terms have special meanings. These are explained below and have the same meaning

wherever they appear in bold type.

agreement These terms and conditions between you, Sentinel® Protection and the Insurer.

agreement period The period in which you are entitled to the insurance and services, which will be for as

long as your Royalties Gold Account is open.

card(s) The credit and debit cards, including Post Office™ card accounts, charge cards, store

cards and other similar payment cards (including prepaid cards but excluding fuel

cards), which you or a registered member owns.

cash advance(s) A payment in connection with an incident made by Sentinel® Protection to you or a

registered member which must be repaid within 30 days of receipt.

communication costs The fax, telephone, internet or letter costs you or a registered member have to pay

when reporting an incident to Sentinel® Protection, the police and to any other insurer.

home Your permanent place of residence in the UK

incident An event or series of connected events, which result in the loss or theft of cards;

personal belongings and/or personal money belonging to you or a registered member.

Personal money and personal belongings must be lost or stolen at the same time as

card(s) belonging to you or a registered member.

Insurer Allianz Insurance Plc

personal belongings The handbag, briefcase, wallet, or purse owned and used by you or a registered member

at the time of an incident.

personal money Cash for the personal use of you or a registered member and withdrawn from an

account in the name of you or a registered member. Personal money includes the

value loaded to prepaid cards.

registered member(s) Any person, registered with Sentinel® Protection who lives at your home.

Schedule of RegisteredItems

A document sent to you detailing the card(s) registered by you and a registered member under this agreement.

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16

Sentinel® Protection Sentinel® Protection is the trading name and registered trademark of Affinion

International Limited.

United Kingdom (UK) Scotland, England, Wales and Northern Ireland

year A period of 12 months from the date you opened your Royalties Gold Account and each

12 month period thereafter.

you, your You being the person who receives this membership as a benefit of your Royalties Gold

Account

SECTION 1 – Insurance and ServicesThe services and insurance covers available to you and all registered members are set out in the following sections:

A – Registration and Assistance Services

B – Assistance services following loss or theft of cardsC – Insurance covers

Communication costs

Personal Money

Personal Belongings

Sentinel® Protection provides the services detailed in Parts A and B and unless stated otherwise, the insurance

covers in Part C are provided by the Insurer and administered on their behalf by Sentinel® Protection.

The services and insurance covers are provided for use worldwide within the agreement period.

A. REGISTRATION AND ASSISTANCE SERVICESTo access any of these services simply call Sentinel® Protection:From the United Kingdom: 08705 62 55 55

From outside the United Kingdom: +44 (0)239 265 2222

Card registration serviceYou and each registered member can register your card details with Sentinel® Protection. In the event that

any of your registered cards are lost or stolen, Sentinel® Protection will provide you or the registered member with the details registered. If you have registered your card(s) you can check the details are correct by requesting

a Schedule of Registered Items.

Valuable document registration serviceYou and each registered member can register details of valuable documents such as a passport or driving

license with Sentinel® Protection. If any of these documents are lost or stolen during the agreement period,

Sentinel® Protection will provide you or the registered member with the relevant details. Sentinel® Protection will not undertake the safekeeping of original or copies of valuable documents.

B. ASSISTANCE SERVICES FOLLOWING THE LOSS OR THEFT OF CARDSTo access any of these services simply call Sentinel® Protection:From the United Kingdom: 08705 62 55 55

From outside the United Kingdom: +44 (0)239 265 2222

Card loss reportingIn the event of an incident resulting in the loss or theft of cards belonging to you or a registered member, Sentinel® Protection will arrange for cards to be cancelled and reissued by the card issuer.

Emergency cash advanceSentinel® Protection will arrange a cash advance for you or a registered member if your or the registered member’s card(s) are lost or stolen and you or the registered member have no other means of paying for travel

tickets, accommodation or obtaining cash whilst stranded away from your home. A cash advance of up to £7,750

per incident will be made available when you or the registered member provide Sentinel® Protection with:��details of an alternative card from which the cash advance can be debited; or

��details of a friend or relative who Sentinel® Protection can contact and will authorise a payment from their

own resources to Sentinel® Protection; or

��authorisation to carry out a credit check with a credit reference agency or to obtain a reference from an

employer and the credit check or reference is considered satisfactory to Sentinel® Protection.Sentinel® Protection will arrange for the cash advance to be made available at the nearest office of Western

Union or one of its agents. Full details will be provided when you call to request an advance.

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17

Please note:

Cash advances are repayable within 30 days of receipt. Sentinel® Protection may refuse to provide a cash advance to you or the registered member if, in Sentinel® Protection’s reasonable opinion, there is any reason

to believe you or the registered member may not be able to repay the cash advance.Sentinel® Protection will not provide a cash advance:��if you or the registered member has not reported the theft of cards or personal money to the police;

��when you or the registered member are stranded within a 50 mile radius of your home;��in excess of £7,750 per incident;��for less than £100 within the United Kingdom;

��in excess of £1,000 within the United Kingdom;��of more than £350 if you or the registered member are unable to provide proof of identity for a cash advance.

In this case, Sentinel® Protection will require a copy of the police report confirming that the identification has

been lost or stolen.

A cash advance may not be available if you cannot comply with Western Union’s terms and conditions or if

Western Union or it agents think it may violate any applicable law or Western Union policy or procedure. Western

Union terms and conditions are available at its offices.

In the event a registered member fails to repay a cash advance within 30 days, Sentinel® Protection will pursue

recovery of the debt from you.

C. INSURANCE COVERSCOMMUNICATION COSTS, PERSONAL MONEY AND PERSONAL BELONGINGSFor communication costs and personal belongings:

��the amount shown for each cover is subject to an overall limit of £600 per incident.��a maximum of 3 incidents per year.

Communication Costs

What is covered?Communication costs paid in dealing with and

reporting an incident.

The limits Up to £500 per incident

Personal Money

What is covered?Personal money lost or stolen at the same time as a card.

The limitsUp to £200 per incidentMaximum of 1 incident per year

Personal Belongings

What is covered? Costs of replacing lost or stolen personal belongings

The limits Up to £100 per incident

What is not covered?��Any claim for communication costs and personal belongings totalling more than £600 per incident.

��Any claim for personal money totalling more than £200 per incident.

��Any costs not directly related to an incident;��Any costs other than communication costs;��Any costs associated with travel documentation which have not been pre-authorised by Sentinel® Protection.��Any personal money not reported lost or stolen at the same time as reporting the incident.��Claims which do not include the necessary supporting documentation – receipts for the replacement, or other

evidence of purchase.

��Any personal belongings not reported lost or stolen at the same time as reporting the incident.

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SECTION 2 – GENERAL CONDITIONS APPLYING TO THE WHOLE AGREEMENT

1. Reasonable PrecautionsYou and the registered member must take all reasonable steps to prevent the loss or theft of cards and personal belongings.

2. Rights of RecoverySentinel® Protection and the Insurer have the right, if we choose, in your or the registered member’s name but

at our expense to:

i) start legal action to get compensation from anyone else; and

ii) start legal action to get back from anyone else any payments that have already been made.

You and the registered member must provide Sentinel® Protection or the Insurer with all reasonable help to

take legal action against anyone if asked.

You or the registered member must not settle, reject or negotiate any claim without the written permission of

Sentinel® Protection or the Insurer.

3. Rates of ExchangeAny claim made under this agreement in a currency other than pounds sterling will be settled at the rate of

exchange prevailing at the date the claim was notified to Sentinel® Protection.

4. Changes you can make to the agreement – keeping details up to date and changing addressSentinel® Protection will only accept instructions from you to change your personal details or your home address.

You must tell Sentinel® Protection when a registered member is no longer living at your home address and tell

the registered member that the protection available under this agreement has ended. They can apply for a new

agreement if they want the insurance cover and assistance services to continue.

5. Cancelling your agreementSentinel® Protection is provided to you as a benefit of your Royalties Gold Account and will remain active for as

long as your Royalties Gold Account is active, or until you are no longer entitled to this benefit, whichever is earlier.

Closure of your Royalties Gold Account will result in immediate cancellation of your agreement.

6. When the agreement endsYour agreement will end at the earliest of the following:

– the date your agreement is cancelled by you or Sentinel® Protection;– the date you cease to live permanently within the United Kingdom;

– the date you or a registered member submit a claim knowing it to be false, fraudulent or a misrepresentation.

7. Choice of LawIf your address is in Scotland, Scots law applies between you, us and the Insurer and the Scottish courts have

non-exclusive jurisdiction over any disputes arising out of this benefit.

If your address is in England or elsewhere, English law applies between you, us and the Insurer and the English

courts have non-exclusive jurisdiction over any disputes arising out of this benefit.

8. How to make a complaintIf you have cause for dissatisfaction and wish to complain about Sentinel® Protection please contact: Sentinel® Protection on 08705 62 55 55 or write to: The Customer Services Department, Sentinel® Protection, Sentinel House,

Airspeed Road, Portsmouth, Hampshire P03 5RF quoting your membership number. Alternatively you can send your complaint directly to the Insurer at Customer Satisfaction Manager, Allianz Insurance plc, PO Box 589, Great West

House (GW2), Great West Road, Brentford TW8 1AH. Telephone: 01483 260758 Email: [email protected].

Sentinel® Protection aims to promptly solve most of their customers’ complaints at the initial point of contact.

Sentinel® Protection’s staff is fully trained to deal with your complaint quickly and efficiently. However should

you not be satisfied with the response you have received, your complaint will be responded to by the Customer

Relations Team who will aim to resolve your complaint, if this is possible, by the end of the next working day

following receipt of your complaint. If Sentinel® Protection cannot resolve your complaint within this time they

will write to you within 5 working days, and do their best to resolve the problem within 4 weeks.

If Sentinel® Protection cannot respond within these timescales they will write to you again within 4 weeks to provide

you with a final response or to let you know when they will contact you again, which will be within 8 weeks from when

you first contacted Sentinel® Protection about your complaint.

If Sentinel® Protection has not resolved your complaint to your satisfaction within 8 weeks from when you first

contacted them you may refer your complaint to the Financial Ombudsman Service for an independent review.

Using the complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

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9. Data Protection – How your data will be usedThe details you and registered members supply will be stored securely and used by Sentinel® Protection to

administer your Sentinel® Protection membership. Information may be disclosed to regulatory bodies and/or

your bank or card issuer and/or our subcontractors for the purposes of providing the services. These details will

not be kept for longer than necessary. They will at all times be held securely and handled with the utmost care in

accordance with all principles of English law.

If Sentinel® Protection check the credit rating of you or a registered member with a credit reference agency in

order to provide a cash advance, the credit reference agency will keep a record of this enquiry. Other organisations

using the agency may then use this information for credit assessments or to trace debtors and prevent fraud.

You are entitled to a copy of all of the information held about you for which Sentinel® Protection may charge

you £10. By entering into your agreement, you give your consent to the transfer of data outside of the EEA

including to the USA (including to a sister company of Affinion International Limited) for the purposes of data

processing relating to the provision of services. Your data may also be disclosed to third parties where required

by law or in the event that Sentinel® Protection merges with or is bought by another company, or otherwise

undergoes a corporate restructuring. For more information about Sentinel® Protection’s data processing

activities, please write to Customer Services Manager, Sentinel® Protection, Sentinel House, Airspeed Road,

Portsmouth, Hampshire PO3 5RF.

10. SecurityYou may be required to validate any request you and registered members make to Sentinel® Protection by

providing the security details you and registered members have registered. Failure to provide such security

details or other suitable validation will result in Sentinel® Protection refusing to act upon such a request. If

you or registered members have not registered security details with Sentinel® Protection you and registered members should contact Sentinel® Protection as soon as possible to ensure Sentinel® Protection is able to

provide you and registered members with the service to which you and registered members are entitled.

11. Financial Services Compensation SchemeYou may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), if Sentinel® Protection or the Insurer cannot meet their liabilities under this agreement. The level of compensation provided

by the FSCS is 90% of the claim without any upper limit. Further information is available from the FSCS on 0800

678 1100 or 0207 741 4100 or at [email protected].

12. Call RecordingTelephone calls made to Sentinel® Protection may be monitored and/or recorded. These recordings may be used

to monitor the accuracy of information exchanged between Sentinel® Protection and its members. They may

also be used to allow additional training to be provided to Sentinel® Protection staff or to prove that Sentinel® Protection procedures comply with legal requirements. Sentinel® Protection staff are aware that conversations

are monitored and recorded.

13. Sentinel® Protection Limitation of LiabilityThis section (and any other section excluding or restricting our liability) applies to Sentinel® Protection’s directors,

officers, employees, subcontractors, agents and affiliated companies as well as to Sentinel® Protection. Nothing

in this agreement in any way limits or excludes Sentinel® Protection’s liability for negligence causing death or

personal injury or for fraudulent misrepresentation or for anything which may not legally be excluded or limited.

Without prejudice to the rest of this agreement, Sentinel® Protection’s liability of any kind in respect of any

services or otherwise shall be limited to £100. In no event will Sentinel® Protection be liable for any:

– economic losses (including, without limit, loss of revenues, profits, contracts, business or anticipated savings);

– loss of goodwill or reputation;

– losses that you incur that were not reasonably foreseeable to you and Sentinel® Protection when your agreement was entered into;

– damage to or loss of data, to the extent that this was not in the contemplation of Sentinel® Protection and you at the commencement of the agreement period and is not attributable to Sentinel® Protection’s negligence or breach of your agreement; or

– the content of any messages which you provide to Sentinel® Protection or ask Sentinel® Protection to send

to friends or family on your behalf (and you hereby agree to compensate Sentinel® Protection for any loss or

damage caused to Sentinel® Protection as a consequence of such content).

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14. War, Terrorism and RiotSentinel® Protection will not be liable for losses arising from its inability to provide the services and or the

insurance covers in the event of war, terrorism, invasion, an act of foreign enemy, hostilities (whether war be

declared or not), riot, strike, civil commotion, civil war, revolution, insurrection or military or usurped power or for

any reason that is beyond our reasonable control. The insurance covers provided in this agreement exclude any

losses arising from war, terrorism, invasion, an act of foreign enemy, hostilities (whether war be declared or not),

riot, strike, civil commotion, civil war, revolution, insurrection or military or usurped power.

15. General RightsYour agreement constitutes the entire agreement between you, Sentinel® Protection and the Insurer. Any

failure to exercise or enforce any right or provision of your agreement shall not constitute a waiver of such right

or provision. If any provision of your agreement is found by a competent jurisdiction to be invalid, then the

remaining provisions shall remain in full force and effect.”

Authorised and regulated by the Financial Services Authority, except for

consumer credit, where we are licensed by the Office of Fair Trading.

The Royal Bank of Scotland plc.

Registered Office: 36 St. Andrew Square, Edinburgh EH2 2YB.

Registered in Scotland No. 90312. RBS RGTNOV December 2012

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important changes to your royalties gold account

Documents