St. James’s Place Fixed Rate Cash ISA - Metro Bank · YOUR FIXED RATE ISA TERM 1 Year Once you...

Metro Bank PLC is registered in England and Wales, company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. ‘Metrobank’ is the registered trade mark of Metro Bank PLC.

Monday - Friday: 9am – 5.30pm • St. James’s Place Service Centre: 020 3402 8980 • [email protected]

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1. YOUR PERSONAL DETAILS

2. YOUR FIXED RATE ISA TERM

1 Year

Once you have completed the Fixed Rate Cash ISA application form, please return to your St. James’s Place Partner.

Surname

Post Code

Middle Name

Existing Metro Bank customer?

First NameTitle

Permanent Residential Address

Time lived at current address

Years Months

Home Tel.

Work Tel.

Mobile

Email Address

Nationality

NationalInsurance No.

If Yes, please provide account number

Date of Birth Gender

Country of birthSource of Funds

Initial Deposit Amount

(DD/MM/YYYY)

2 Year

Yes No

3 Year 5 Year

3. PRIVACY NOTICE

St. James’s Place Fixed Rate Cash ISA

Please tick if this is being transferred from St. James’s Place Bank

If you have any questions about this policy, the use of your personal information or want to exercise any of your rights, please contact our Data Protection Officer at [email protected], or please write to "Data Protection" at the below address.

The personal information we hold about you is limited to what you have provided us directly, personal information we’ve received from trusted third parties during eligibility checks and the provision of our services to you, or occasionally personal information which is publicly available. We process personal information you have provided including contact, residency, employment, income and expenditure details, to enable us to provide a range of banking services (contract & pre-contract). Our lawful basis for processing this data is that you have entered into a contract for the performance of services or that we have a legitimate interest to process the information. Those legitimate interests are: enhancing the services that you receive from us, managing and supporting our staff, and effectively managing our own accounts and records.

We process your personal information for crime and fraud prevention and the apprehension and prosecution of offenders (law and financial regulation). We make copies of personal identity evidence that you provide to us for our security, identification and verification purposes. Our lawful basis for processing this personal data is our compliance with our legal obligations and, in particular, our Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations. We cannot provide you with banking services without this personal information. We may also process your personal information for marketing purposes. You have a right to receive services from us without consenting to marketing communications, and you can always opt out of receiving any such communications from us. Our lawful basis for processing your data is that we have a legitimate interest in making our customers aware of our other services and offerings.

To enable us to process personal information for the above purposes, we must share personal information with Credit Reference Agencies, Law enforcement, HM Revenue & Customs, Fraud detection organisations, UK Financial Regulators, External Auditors & Accountants and other Financial Service Organisations.

We may occasionally send your data to countries (or international organisations) outside of the European Economic Area (EEA) that are deemed to have adequate data protection by the European Commission. In addition, we may transfer personal information to India & the USA. If we do so, we will ensure that the transfer is made pursuant to the model contract clauses published by the European Commission. A copy of the model contract clauses are available here: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en. In relation to transfers to the US, we may transfer personal information pursuant to the EU-US Privacy Shield.

At the end of your relationship with us (for example, if you decide to close your account) we retain your information for as long as required to meet our statutory legal and regulatory requirements. Where retention is based on other reasons we will retain it for no more than 7 years. You have a right to request access to or rectification of your personal data which we hold about you. You also have the right to erase your personal data, to restrict the processing of your personal data and a right to request that we transmit your personal data to another controller. Where we process your personal data because you have given us your consent, you have the right to withdraw your consent at any time. If you are ultimately dissatisfied with our management of your information you have the right to lodge a complaint with the Information Commissioner’s Office. Please visit www.ico.org.uk for more information.

As a responsible lender, we do perform automated credit scoring during applications. We do this to ensure an independent, objective and consistent approach is taken to only contracting within the banks risk appetite. Our risk-based lending decision is influenced by this risk profile. We are not obliged to accept an application, and you may contact us to reconsider our decision.

If we determine that your personal data is to be used for a purpose not already notified to you, we will provide you with further information before processing for that new purpose.

Our credit checks will be recorded by the Credit Reference Agency, and where we must ask if you are resident for tax purposes in another country, we will notify HMRC of that fact. Where we are requested by law enforcement to help investigate or prevent crime or terrorism, and to meet our legal obligations in this area, we share personal information with law enforcement agencies and other organisations.

For further details on how we use the personal information we hold about you please refer to section 2 of Our Service Relationship document.

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4. DECLARATION & SIGNATURE

Credit reference agenciesWhen you apply for this Fixed Rate Cash ISA, Metro Bank will make various checks in order to assess your eligibility for this Cash ISA, to verifyyour identity and to prevent and detect crime and money laundering. Metro Bank will search records held by credit reference agencies ('CRAs') when considering your application.

Fraud prevention agenciesIf you give false or inaccurate information and fraud is identified or suspected, details may be passed to fraud prevention agencies and/or CRAs to prevent fraud and money laundering. Law enforcement agencies may access and use this information.

I apply to subscribe for a cash ISA for the tax year 2020/2021 and each subsequent year until further notice.

I declare that:• all subscriptions made, and to be made, belong to me;• I am 16 years of age or over;• I have not subscribed and will not subscribe more than the overall subscription limit in total to a cash ISA and a stocks and shares ISA in the same tax year;• I have not subscribed and will not subscribe to another cash ISA in the same tax year that I subscribe to this cash ISA• I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income

Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such duties. I will inform Metro Bank PLC if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties.

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3. PRIVACY NOTICE (continued)

St. James’s Place Fixed Rate Cash ISA (continued)

If you have any questions about this policy, the use of your personal information or want to exercise any of your rights, please contact our Data Protection Officer at [email protected], or please write to "Data Protection" at the below address.

The personal information we hold about you is limited to what you have provided us directly, personal information we’ve received from trusted third parties during eligibility checks and the provision of our services to you, or occasionally personal information which is publicly available. We process personal information you have provided including contact, residency, employment, income and expenditure details, to enable us to provide a range of banking services (contract & pre-contract). Our lawful basis for processing this data is that you have entered into a contract for the performance of services or that we have a legitimate interest to process the information. Those legitimate interests are: enhancing the services that you receive from us, managing and supporting our staff, and effectively managing our own accounts and records.

We process your personal information for crime and fraud prevention and the apprehension and prosecution of offenders (law and financial regulation). We make copies of personal identity evidence that you provide to us for our security, identification and verification purposes. Our lawful basis for processing this personal data is our compliance with our legal obligations and, in particular, our Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations. We cannot provide you with banking services without this personal information. We may also process your personal information for marketing purposes. You have a right to receive services from us without consenting to marketing communications, and you can always opt out of receiving any such communications from us. Our lawful basis for processing your data is that we have a legitimate interest in making our customers aware of our other services and offerings.

To enable us to process personal information for the above purposes, we must share personal information with Credit Reference Agencies, Law enforcement, HM Revenue & Customs, Fraud detection organisations, UK Financial Regulators, External Auditors & Accountants and other Financial Service Organisations.

We may occasionally send your data to countries (or international organisations) outside of the European Economic Area (EEA) that are deemed to have adequate data protection by the European Commission. In addition, we may transfer personal information to India & the USA. If we do so, we will ensure that the transfer is made pursuant to the model contract clauses published by the European Commission. A copy of the model contract clauses are available here: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en. In relation to transfers to the US, we may transfer personal information pursuant to the EU-US Privacy Shield.

At the end of your relationship with us (for example, if you decide to close your account) we retain your information for as long as required to meet our statutory legal and regulatory requirements. Where retention is based on other reasons we will retain it for no more than 7 years. You have a right to request access to or rectification of your personal data which we hold about you. You also have the right to erase your personal data, to restrict the processing of your personal data and a right to request that we transmit your personal data to another controller. Where we process your personal data because you have given us your consent, you have the right to withdraw your consent at any time. If you are ultimately dissatisfied with our management of your information you have the right to lodge a complaint with the Information Commissioner’s Office. Please visit www.ico.org.uk for more information.

As a responsible lender, we do perform automated credit scoring during applications. We do this to ensure an independent, objective and consistent approach is taken to only contracting within the banks risk appetite. Our risk-based lending decision is influenced by this risk profile. We are not obliged to accept an application, and you may contact us to reconsider our decision.

If we determine that your personal data is to be used for a purpose not already notified to you, we will provide you with further information before processing for that new purpose.

Our credit checks will be recorded by the Credit Reference Agency, and where we must ask if you are resident for tax purposes in another country, we will notify HMRC of that fact. Where we are requested by law enforcement to help investigate or prevent crime or terrorism, and to meet our legal obligations in this area, we share personal information with law enforcement agencies and other organisations.

For further details on how we use the personal information we hold about you please refer to section 2 of Our Service Relationship document.

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PARTNER INFORMATION

Full Name

To be filled in by your St. James’s Place Partner.

Company/Business Name

Email Address

Contact NumberPartner Code

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4. DECLARATION & SIGNATURE (continued)

Account Holder Signature

Date

St. James’s Place Fixed Rate Cash ISA (continued)

Declarations and Authority to St. James’s Place Group (‘St. James’s Place Group’)• I instruct and authorise St. James’s Place Group and/or my St. James’s Place Partner to pass my instructions in relation to the Fixed Rate Cash ISA to Metro Bank PLC.

• I understand that St. James’s Place Group and/or my St. James’s Place Partner will correspond with Metro Bank PLC on my behalf and according to my instructions, and for these purposes.

• I instruct and authorise St. James’s Place Group and/or my St. James’s Place Partner to pass details of all communications (including copy correspondence) that I may have with St. James’s Place Group in connection with my Fixed Rate Cash ISA to Metro Bank PLC for the purposes of Metro Bank PLC maintaining accurate records in compliance with its regulatory duties.

• I authorise Metro Bank to disclose details of our account(s) to our St. James’s Place Partner as named in this application form, or their successors in title, and to St. James’s Place Group who may from time to time correspond with Metro Bank in accordance with my instruction.

I understand that St. James’s Place Group cannot advise me on whether or not to take up the Fixed Rate Cash ISA and that acceptance of my application does not mean that St. James’s Place Group has assessed the Fixed Rate Cash ISA as suitable for my requirements.

Declarations and Authority to Metro Bank PLC (‘Metro Bank’)• I authorise Metro Bank PLC to hold my cash subscription and interest.• I apply to Metro Bank for a Fixed Rate Cash ISA to be opened in my name(s) and authorise Metro Bank to act on my instructions.• I confirm that the information I have given in this application is true.• My signature at the bottom of this application form indicates my assent to these declarations.• I have read and understood the information provided to us and understand that if there is anything I do not understand I should contact my St. James’s Place Partner. Having read and considered all of the above information, I have made my own decision to apply for the Fixed Rate Cash ISA.

By signing this form we acknowledge receipt of details of the Financial Services Compensation Scheme Information Sheet.

I have read the “Important Information Summary” for this product and I agree to the ISA Terms and Conditions as outlined inthe document “Our Service Relationship with Personal Customers”. By signing this form you also acknowledge receipt of details of the Financial Services Compensation Scheme Information Sheet. I declare that this application form has been completedto the best of my knowledge and belief.

I understand that I cannot make partial withdrawals from a Fixed Rate ISA. If I close or transfer the ISA early a loss of interest, as detailed in the Important Information Summary, will apply.

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The Financial Services Compensation Scheme (“FSCS”)1

£85,000 per depositor per bank2

All your eligible deposits at the same bank are “aggregated” and the total is subject to the limit of £85,000.2

The limit of £85,000 applies to each depositor separately.3

20 working days.4

Pound sterling (GBP, £) or, for branches of UK banks operating in other EEA Member States, the currency of that State.

http://www.fscs.org.uk

Metro Bank PLCOne Southampton RowLondonWC1B 5HA

Financial Services Compensation Scheme10th Floor Beaufort House15 St Botolph StreetLondonEC3A 7QUTel: 0800 678 1100 or 020 7741 4100Email: [email protected]

Eligible deposits in Metro Bank PLCare protected by:

Limit of protection:

If you have more eligible deposits at the same bank:

If you have a joint account with other person(s):

Financial Services Compensation SchemeInformation Sheet

BASIC INFORMATION ABOUT THE PROTECTION OF YOUR ELIGIBLE DEPOSITS

ADDITIONAL INFORMATION

Reimbursement period in case of bank’s failure:

Currency of reimbursement:

More information:

Acknowledgement of receipt by thedepositor:

To contact Metro Bank PLC for enquiries relating to your account:

To contact the FSCS for further information on compensation:

1 Scheme responsible for the protection of your eligible depositYour eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme.2 General limit of protectionIf a covered deposit is unavailable because a bank is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers a maximum of £85,000 per bank. This means that all eligible deposits at the same bank are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000.

In some cases eligible deposits which are categorised as “temporary high balances” are protected above £85,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including:

(a) certain transactions relating to the depositor’s current or prospective only or main residence or dwelling;(b) a death, or the depositor’s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity;(c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction.


1 Scheme responsible for the protection of your eligible depositYour eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme.2 General limit of protectionIf a covered deposit is unavailable because a bank is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers a maximum of £85,000 per bank. This means that all eligible deposits at the same bank are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000.

In some cases eligible deposits which are categorised as “temporary high balances” are protected above £85,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including:

(a) certain transactions relating to the depositor’s current or prospective only or main residence or dwelling;(b) a death, or the depositor’s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity;(c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction.

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More information can be obtained under http://www.fscs.org.uk3 Limit of protection for joint accountsIn case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.4 ReimbursementThe responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: [email protected]. It will repay your eligible deposits (up to £85,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply.

Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating expenses (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under http://www.fscs.org.uk.Other important informationIn general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank shall also confirm this on the statement of account.


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Financial Services Compensation Scheme (continued)

ADDITIONAL INFORMATION (continued)More information can be obtained under http://www.fscs.org.uk3 Limit of protection for joint accountsIn case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.4 ReimbursementThe responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: [email protected]. It will repay your eligible deposits (up to £85,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply.

Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating expenses (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under http://www.fscs.org.uk.Other important informationIn general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank shall also confirm this on the statement of account.

EXCLUSIONS LISTA deposit is excluded from protection if:

(a) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank.

(b) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering.(c) It is a deposit made by a depositor which is one of the following:

• credit institution• financial institution• investment firm• insurance undertaking• reinsurance undertaking• collective investment undertaking• pension or retirement fund1

• public authority, other than a small local authority.

The following are deposits, categories of deposits or other instruments which will no longer be protected from 3 July 2015:• deposits of a credit union to which the credit union itself is entitled• deposits which can only be proven by a financial instrument2 unless it is a savings product which is evidenced by a certificate of deposit made

out to a named person and which exists in a Member State on 2 July 2014• deposits of a collective investment scheme which qualifies as a small company3

• deposits of an overseas financial services institution which qualifies as a small company4

• deposits of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small company5 – refer to the FSCS for further information on this category

For further information about exclusions, refer to the FSCS website at www.FSCS.org.uk1 Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not excluded2 Listed in Section C of Annex 1 of Directive 2014/65/EU3 Under the Companies Act 1985 or Companies Act 20064 See footnote 35 See footnote 3


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St. James’s Place Fixed Rate Cash ISA - Metro Bank · YOUR FIXED RATE ISA TERM 1 Year Once you...

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