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Reply-To: <info@eml.rbs.co.uk>
From: "Royal Bank of Scotland" <info@eml.rbs.co.uk>
To: <VINCE@SHOWFILE.COM>
Subject: Vincent, we're changing your savings account(s)
Date: Fri, 5 Jul 2019 12:22:33 +0100
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  <https://e.rbs.com/images/2025/spacer.gif>

  <https://e.rbs.com/images/2025/spacer.gif>
You need to know about these changes
  <https://e.rbs.com/images/2025/spacer.gif>
Is this email not displaying correctly? View it in your browser 
<https://e.rbs.com/?pg5wfkoiV2dASlakHfcXp7i7cf4Or45Qp> . Your partial 
postcode: 9BP

Please refer to the Security <>  section in the footer of this email for 
information about this.
  <https://e.rbs.com/images/2025/spacer.gif>

 <https://e.rbs.com/?egVwumyicC-pzaaROtPl7Ww1gu4Or4NQe&https://personal.rbs.co.uk/personal/savings.html?extcam=R_FURL_0_Sav_SavGen_FTSA_PPR_1>
 <https://e.rbs.com/?egVwumyicC-pzaaROtPl7Ww1gu4Or4NQe&https://personal.rbs.co.uk/personal/savings.html?extcam=R_FURL_0_Sav_SavGen_FTSA_PPR_1>
  <https://e.rbs.com/images/2025/spacer.gif>

  <https://e.rbs.com/images/2025/spacer.gif>
Hello Vincent,

We're changing your Instant Saver account(s).

We want to help you save for the future by making a clearer difference 
between our savings and current accounts. So on 1st October 2019, we're 
going to change your Instant Saver account(s), meaning they'll be just for 
saving.
  <https://e.rbs.com/images/2025/spacer.gif>


  <https://e.rbs.com/images/2025/spacer.gif>

Here's what's changing  <https://e.rbs.com/images/2025/spacer.gif>

• 	You won't be able to make payments (like paying a bill) or transfer money 
directly from your savings account to another account, unless it's to a 
Royal Bank of Scotland account in your name.• 
We won't be issuing new or replacement cards for your savings account(s). If 
you have a card, you can carry on using it until it expires.
  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>

How to make payments and withdrawalsYou'll still be able to make payments and withdrawals by transferring money 
from your saving account(s) to your Royal Bank of Scotland current account, 
then make any payments or withdrawals from there. It's quick and easy to 
transfer money using Digital Banking, our mobile app1 or any Royal Bank of 
Scotland cashpoint.Changes to how we give you notice

These changes will make your account a non-payment account. So the way we 
give you notice will change as detailed below:  <https://e.rbs.com/images/2025/spacer.gif>
Until 30th September 2019
  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>
From 1st October 2019
  <https://e.rbs.com/images/2025/spacer.gif>



  <https://e.rbs.com/images/2025/spacer.gif>
If we decrease the interest rate on your account and your account balance is 
£100 or more.  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>
We currently give you at least 60 days' personal notice before we make the 
change.
  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>
We'll give you at least 14 days' personal notice before we make the change.
  <https://e.rbs.com/images/2025/spacer.gif>


  <https://e.rbs.com/images/2025/spacer.gif>
If we decrease the interest rate on your account and your account balance is 
less than £100.  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>
We currently give you at least 60 days' personal notice before we make the 
change.
  <https://e.rbs.com/images/2025/spacer.gif>
  <https://e.rbs.com/images/2025/spacer.gif>
We're bringing your notice in line with the way we currently tell you about 
an increase in your interest rate.

We'll now give you notice either before we make the change or at the 
earliest opportunity afterwards, by advertising it on our website, in our 
branches or in at least three daily newspapers.
  <https://e.rbs.com/images/2025/spacer.gif>

Your Savings Account Terms and Information Sheet will be updated to reflect 
these changes on 1st October 2019, although you can see them now here 
<https://e.rbs.com/?RR5Nfkyf5CdKzazYLfnl7WiQgw4Orl57R&https://personal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=R_EMC_0_Sav_SavGen_53641_RBC1a_0> 
.

What happens next

The changes will happen automatically. If you're happy with them, you don't 
need to do anything. However, if you're not happy, you still have the option 
to close your account(s) at any time without charge. You can do this quickly 
and easily online, by visiting any of our branches or by writing to the 
Royal Bank of Scotland branch where your account is held.

If you'd like to find out more, or have any questions click here 
<https://e.rbs.com/?egVNfmoicf-ASXrRLtnlpWi1cu4Or4NQe&https://personal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=R_EMC_0_Sav_SavGen_53641_RBC1b_0> 
.

Kind regards,

Allan Hardie
Head of Savings  <https://e.rbs.com/images/2025/visit.png>
Visitrbs.co.uk/mysavingsquestions 
<https://e.rbs.com/?RgVNumyfV2FKSazYOfnlpvi1cwLOW457R&https://personal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=R_EMC_0_Sav_SavGen_53641_RBC1c_0>


  <https://e.rbs.com/images/2025/location.png>
Visit us in branch
(Please bring ID, such as
a passport or driving licence)  <https://e.rbs.com/images/2025/spacer.gif>
1App available to customers with Digital Banking and a UK or international 
mobile number in specific countries.
  <https://e.rbs.com/images/2025/spacer.gif>
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  <https://e.rbs.com/images/2025/spacer.gif>
About this email

This email is confidential and intended for the addressee only. Please 
delete if that is not you.

This is a service message designed to keep you informed of important 
information associated with your account. If you no longer want to receive 
this type of message by email click here 
<https://e.rbs.com/?pR5wumyfcfFpSBrYHtnlpvi7ci4cW4NQp> .

Please do not reply to this email as the address is not monitored. Visit our 
Support Centre 
<https://e.rbs.com/?RRVwfmyiVC.KrlaROfnB7viCci4OW4NQR&https://personal.rbs.co.uk/personal/support-centre.html> 
if you have any queries and we'll be happy to help.

Important security information

To help you identify our email and as an extra security measure the second 
half of your postcode is shown at the top. If you have not provided us with 
this information or you have changed address please contact your local 
branch to update your details.

Royal Bank of Scotland will NEVER ask for your full PIN or Password when 
identifying you on the phone or online, and will NEVER ask for Card Reader 
codes on the phone or when logging in.

Fraudsters may claim to be the bank to try and access security information. 
If you receive a call or email from Royal Bank of Scotland that you are 
suspicious about, cease the call immediately, or forward the email to 
phishing@rbs.co.uk <mailto:phishing@rbs.co.uk> . Visit rbs.co.uk/security 
<https://e.rbs.com/?Rg5wfkoi52-Ara0kLinBpvi7cfLOrlNQR&http://rbs.co.uk/security> 
for more information and advice.

The Royal Bank of Scotland plc, 36 St Andrew Square, Edinburgh, EH2 2YB. 
Registered in Scotland No. SC083026.

Authorised by the Prudential Regulation Authority and regulated by the 
Financial Conduct Authority and the Prudential Regulation Authority.
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                                            <strong>
                                               You need to know about =
these changes
                                            </strong>
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valign=3D"top">
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                                          Is this email not displaying =
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target=3D"_blank" style=3D"color:#666666;">View it in your browser</a>. =
Your partial postcode: <strong>9BP</strong>
                                            <br />
                                            <br />
                                            Please refer to the <a =
href=3D"#securityC" style=3D"color:#666666;">Security</a> section in the =
footer of this email for information about this.
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                                  =20

                                    <tr>
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valign=3D"top">
                                            <img =
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sans-serif;font-size:13px;line-height:normal;color:#002d64;">
                                            Hello Vincent,
                                            <br />
                                            <br />
                                            We're changing your Instant =
Saver account(s). <br />
                                            <br />
                                        We want to help you save for the =
future by making a clearer difference between our savings and current =
accounts. So on <b>1st October 2019</b>, we're going to change your =
Instant Saver account(s), meaning they'll be just for saving. </td>
                                    </tr>
                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
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valign=3D"top">

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                                                                <td>
                                                                    <img =
height=3D"20" src=3D"https://e.rbs.com/images/2025/spacer.gif" =
style=3D"display:block" width=3D"1" />
                                                                </td>
                                                            </tr>
                                                            <tr>
                                                              <td =
align=3D"center" valign=3D"top"><table width=3D"90%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
                                                                <tr>
                                                                  <td =
align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:20px;line-height:normal;color:#259db0;" =
class=3D"left-text"><strong>Here's what's changing</strong></td>
                                                                </tr>
                                                              =
</table></td>
                                                            </tr>
                                                            <tr>
                                                                <td>
                                                                    <img =
height=3D"15" src=3D"https://e.rbs.com/images/2025/spacer.gif" =
style=3D"display:block" width=3D"1" />
                                                                </td>
                                                            </tr>
                                                            <tr>
                                                                <td =
align=3D"left" valign=3D"top">

                                                                    =
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
                                                                        =
<tr>
                                                                         =
   <td align=3D"left" valign=3D"top" width=3D"20" =
style=3D"padding-top:6px;font-family: Arial, =
sans-serif;font-size:14px;line-height:normal;color:#002d64;">
                                                                         =
       &bull;
                                                                         =
   </td>
                                                                         =
   <td align=3D"left" valign=3D"top" =
style=3D"padding-top:6px;font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">You won't =
be able to make payments (like 	paying a bill) or transfer money =
directly	from your savings account to another 	account, unless it's to a =
Royal Bank of	Scotland account in your name.</td>
                                                                        =
</tr>
                                                                        =
<tr>
                                                                         =
   <td align=3D"left" valign=3D"top" width=3D"20" =
style=3D"padding-top:6px;font-family: Arial, =
sans-serif;font-size:14px;line-height:normal;color:#002d64;">
                                                                         =
       &bull;
                                                                         =
   </td>
                                                                         =
   <td align=3D"left" valign=3D"top" =
style=3D"padding-top:6px;font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">We won't be =
issuing new or replacement 	cards for your savings account(s). If you 	=
have a card, you can carry on using it until	it expires. </td>
                                                                        =
</tr>
                                                                    =
</table>
                                                                </td>
                                                            </tr>
                                                            <tr>
                                                                <td>
                                                                    <img =
height=3D"30" src=3D"https://e.rbs.com/images/2025/spacer.gif" =
style=3D"display:block" width=3D"1" />
                                                                </td>
                                                            </tr>
                                                        </table>



                                                    </td>
                                                </tr>
                                            </table>

                                        </td>
                                    </tr>

                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"20" style=3D"display:block" border=3D"0" />
                                        </td>
                                    </tr>


                                    <tr>
                                      <td align=3D"left" =
valign=3D"bottom" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;"><table =
width=3D"90%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
                                                                <tr>
                                                                  <td =
align=3D"left" valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:20px;line-height:normal;color:#259db0;" =
class=3D"left-text"><strong>How to make payments and =
withdrawals</strong></td>
                                                                </tr>
                                                              =
</table></td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" =
valign=3D"bottom" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;"></td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" =
valign=3D"bottom" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" =
valign=3D"bottom" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">You'll =
still be able to make payments and withdrawals by transferring money =
from your saving account(s) to your Royal Bank of Scotland current =
account, then make any payments or withdrawals from there. It's quick =
and easy to transfer money using Digital Banking, our mobile =
app<sup>1</sup> or any Royal Bank of=20
Scotland cashpoint.</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" =
valign=3D"bottom" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:20px;line-height:normal;color:#259db0;" =
class=3D"left-text">
                                            <strong>
                                                Changes to how we give =
you notice
                                            </strong>
                                        </td>
                                    </tr>
                                    <tr>
                                        <td align=3D"left" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;
                                           =20
                                        </td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">These =
changes will make your account a non-payment account. So the way we give =
you notice will change as detailed below:</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                        <td>
                                            <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"wf" =
width=3D"100%">

                                                <tr>
                                                    <td>
                                                        <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"deviceWidth" width=3D"100%">
                                                            <tr>
                                                                <td =
align=3D"center" bgcolor=3D"#FFFFFF">

                                                                    =
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
                                                                        =
<tr>
                                                                         =
   <td width=3D"32%" align=3D"center" valign=3D"top" =
style=3D"border-bottom:1px solid #8fa2ba">&nbsp;</td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" bgcolor=3D"#002c63" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#ffffff; font-size:9px; =
line-height:normal;">
                                                                         =
                   <strong>
                                                                         =
                       Until 30th September 2019
                                                                         =
                   </strong>
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" =
bgcolor=3D"#002c63">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#ffffff; font-size:9px; =
line-height:normal;">
                                                                         =
                   <strong>
                                                                         =
                       From <b>1st October 2019</b>=20
                                                                         =
                   </strong>
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                        =
</tr>
                                                                    =
</table>

                                                                </td>
                                                            </tr>
                                                        </table>
                                                    </td>
                                                </tr>

                                                <tr>
                                                    <td>

                                                        <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"deviceWidth" width=3D"100%">
                                                            <tr>
                                                                <td =
align=3D"center">
                                                                    =
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
                                                                        =
<tr>
                                                                         =
   <td width=3D"32%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">

                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;"><strong>If we decrease the interest rate on your =
account and your account balance is &pound;100 or more.</strong></td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;">
                                                                         =
                   We currently give you at least 60 days' personal =
notice before we make the change.
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;">
                                                                         =
                   We'll give you at least 14 days' personal notice =
before we make the change.
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                        =
</tr>
                                                                    =
</table>
                                                                </td>
                                                            </tr>
                                                            <tr>
                                                                <td =
align=3D"center">
                                                                    =
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">
                                                                        =
<tr>
                                                                         =
   <td width=3D"32%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">

                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;">
                                                                         =
               <strong>If we decrease the interest rate on your account =
and your account balance is less than &pound;100.</strong></td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;">
                                                                         =
                   We currently give you at least 60 days' personal =
notice before we make the change.
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                         =
   <td width=3D"34%" align=3D"center" valign=3D"top" =
style=3D"border-right:1px solid #8fa2ba;border-bottom:1px solid =
#8fa2ba;border-left:1px solid #8fa2ba;">
                                                                         =
       <table width=3D"90%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0">
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"5" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td align=3D"left" valign=3D"top" =
style=3D"font-family:Arial, sans-serif; color:#002c63; font-size:9px; =
line-height:normal;">
                                                                         =
                   We're bringing your notice in line with the way we =
currently tell you about an increase in your interest rate.=20
<br />
<br />
We'll now give you notice either before we make the change or at the =
earliest opportunity afterwards, by advertising it on our website, in =
our branches or in at least three daily newspapers.
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
           <tr>
                                                                         =
               <td>
                                                                         =
                   <img alt=3D"" height=3D"10" =
src=3D"https://e.rbs.com/images/2025/spacer.gif" style=3D"display:block" =
width=3D"1" />
                                                                         =
               </td>
                                                                         =
           </tr>
                                                                         =
       </table>
                                                                         =
   </td>
                                                                        =
</tr>
                                                                    =
</table>
                                                                </td>
                                                            </tr>
                                                        </table>
                                                    </td>
                                                </tr>

                                            </table>
                                        </td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">Your =
Savings Account Terms and Information Sheet will be updated to reflect =
these changes on <strong>1st October 2019</strong>, although you can see =
them now=20
<a =
href=3D"https://e.rbs.com/?RR5Nfkyf5CdKzazYLfnl7WiQgw4Orl57R&https://pers=
onal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=3DR_EMC_=
0_Sav_SavGen_53641_RBC1a_0" style=3D"color:#002d64; font-weight: =
bold;">here</a>.</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:20px;line-height:normal;color:#259db0;" =
class=3D"left-text">
                                            <strong>
                                                What happens next
                                            </strong>
                                      </td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">The changes =
will happen automatically. If you're happy with them, you don't need to =
do anything. However, if you're not happy, you still have the option to =
close your account(s) at any time without charge. You can do this =
quickly and easily online, by visiting any of=20
our branches or by writing to the Royal Bank of Scotland branch where =
your account is held.  <br />
                                        <br />
                                      If you'd like to find out more, or =
have any questions click <a =
href=3D"https://e.rbs.com/?egVNfmoicf-ASXrRLtnlpWi1cu4Or4NQe&https://pers=
onal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=3DR_EMC_=
0_Sav_SavGen_53641_RBC1b_0" style=3D"color:#002d64; font-weight: =
bold;">here</a>. <br />
                                      <br />
                                      Kind regards,<br />
                                      <br />
Allan Hardie <br />
<strong>Head of Savings</strong></td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;"><img =
src=3D"https://e.rbs.com/images/2025/visit.png" style=3D" margin-left: =
auto; margin-right: auto;" /></td>
                                  </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">Visit</td>
                                  </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;"><a =
href=3D"https://e.rbs.com/?RgVNumyfV2FKSazYOfnlpvi1cwLOW457R&https://pers=
onal.rbs.co.uk/personal/savings/my-savings-questions.html?extcam=3DR_EMC_=
0_Sav_SavGen_53641_RBC1c_0" style=3D"color: =
#e6007e;">rbs.co.uk/mysavingsquestions</a></td>
                                  </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;"><img =
src=3D"https://e.rbs.com/images/2025/location.png" style=3D" =
margin-left: auto; margin-right: auto;" /></td>
                                  </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">Visit us in =
branch<br />
                                      (Please bring ID, such as<br />
a passport or driving licence)</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"center" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>
                                    <tr>
                                      <td align=3D"left" valign=3D"top" =
style=3D"font-family: Arial, =
sans-serif;font-size:13px;line-height:normal;color:#002d64;">&nbsp;</td>
                                    </tr>


                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"15" style=3D"display:block" border=3D"0" />
                                        </td>
                                    </tr>


                                    <tr>
                                        <td align=3D"left" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:10px;line-height:normal;color:#002d64;">
                                            <sup>1</sup>App available to =
customers with Digital Banking and a UK or international mobile number =
in specific countries.
                                        </td>
                                    </tr>
                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"20" style=3D"display:block" border=3D"0" />
                                        </td>
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                            </td>
                        </tr>
                        <tr>
                            <td align=3D"center" valign=3D"top">
                                <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"30" style=3D"display:block" border=3D"0" />
                            </td>
                        </tr>
                        <tr>
                            <td align=3D"center" valign=3D"top" =
bgcolor=3D"#ffffff" style=3D"border-top: 1px solid #002d64;">
                                <table width=3D"90%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"20" style=3D"display:block" border=3D"0" />
                                        </td>
                                    </tr>

                                    <tr>
                                        <td align=3D"left" =
valign=3D"top" style=3D"font-family: Arial, =
sans-serif;font-size:10px;line-height:normal;color:#002d64;">
                                            <strong>
                                                About this email
                                            </strong>
                                            <br />
                                            <br />
                                            This email is confidential =
and intended for the addressee only. Please delete if that is not you.
                                            <br />
                                            <br />
                                            This is a service message =
designed to keep you informed of important information associated with =
your account. If you no longer want to receive this type of message by =
email <a href=3D"https://e.rbs.com/?pR5wumyfcfFpSBrYHtnlpvi7ci4cW4NQp" =
target=3D"_blank" style=3D"color:#002d64;">click here</a>.
                                            <br />
                                            <br />
                                            Please do not reply to this =
email as the address is not monitored. Visit our <a =
href=3D"https://e.rbs.com/?RRVwfmyiVC.KrlaROfnB7viCci4OW4NQR&https://pers=
onal.rbs.co.uk/personal/support-centre.html" target=3D"_blank" =
style=3D"color:#002d64;">Support Centre</a> if you have any queries and =
we'll be happy to help.
                                            <br />
                                            <br /> <a =
name=3D"securityC"></a>

                                            <strong>
                                                Important security =
information
                                            </strong>
                                            <br />
                                            <br />
                                            To help you identify our =
email and as an extra security measure the second half of your postcode =
is shown at the top. If you have not provided us with this information =
or you have changed address please contact your local branch to update =
your details.
                                            <br />
                                            <br />
                                            Royal Bank of Scotland will =
<strong>NEVER</strong> ask for your full PIN or Password when =
identifying you on the phone or online, and will <strong>NEVER</strong> =
ask for Card Reader codes on the phone or when logging in.
                                            <br />
                                            <br />

                                            Fraudsters may claim to be =
the bank to try and access security information. If you receive a call =
or email from Royal Bank of Scotland that you are suspicious about, =
cease the call immediately, or forward the email to <a =
href=3D"mailto:phishing@rbs.co.uk" target=3D"_blank" =
style=3D"color:#002d64;">phishing@rbs.co.uk</a>. Visit <a =
href=3D"https://e.rbs.com/?Rg5wfkoi52-Ara0kLinBpvi7cfLOrlNQR&http://rbs.c=
o.uk/security" target=3D"_blank" =
style=3D"color:#002d64;">rbs.co.uk/security </a>=20
for more=20
information and advice.
                                            <br />
                                            <br />
                                            <strong>
                                                The Royal Bank of =
Scotland plc, 36 St Andrew Square, Edinburgh, EH2 2YB. Registered in =
Scotland No. SC083026.
                                                <br />
                                                <br />
                                                Authorised by the =
Prudential Regulation Authority and regulated by the Financial Conduct =
Authority and the Prudential Regulation Authority.
                                            </strong>
                                        </td>
                                    </tr>
                                    <tr>
                                        <td align=3D"center" =
valign=3D"top">
                                            <img =
src=3D"https://e.rbs.com/images/2025/spacer.gif" alt=3D"" width=3D"1" =
height=3D"40" style=3D"display:block" border=3D"0" />
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