Frequently asked questions for customers affected by the sale

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Santander's history stretches back over 150 years. At its heart it is a retail and commercial bank with over 100 million customers and almost 15,000 branches around the world – more than any other international bank. Having entered the UK market in 2004 with the acquisition of Abbey National plc the Santander Group subsequently acquired Alliance & Leicester plc and the Bradford & Bingley savings business and branches. Santander customers can now enjoy access to around 1,400 branches throughout the UK making face-to-face banking easier and more convenient. For more information please visit www.movingtosantander.co.uk.

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Santander has confirmed that customer satisfaction is a top priority and that it regularly reviews customer feedback on all aspects of their experience with Santander. In order to meet the demands of the growth in the business and continue to improve service, Santander has recently invested in over 1,100 new branch and call centre jobs in the UK.

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Santander UK plc is a UK legal entity, governed by UK law and regulated by the FSA, just as RBS’s UK operations are. In addition, Santander UK plc has a standalone credit rating of AA- from Standard & Poor’s, one of the highest ratings of any UK bank. Santander is also covered by the Financial Services Compensation Scheme. This means eligible customers are currently protected for up to £85,000 across all their accounts under one institution (or £170,000 if two customers hold the money in a joint account).

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Santander UK plc is a UK legal entity, governed by UK law, regulated by the FSA and covered by Financial Services Compensation Scheme. Santander UK plc manages its affairs autonomously and is run by a local management team which is fully accountable solely for the performance of Santander in the UK.

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Santander is fully committed to delivering an excellent service to its customers and continues to identify ways in which customer service can be improved. The service initiatives adopted by Santander are not formally known as a ‘customer charter’ but have been put in place to improve the overall service experience for its customers.

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All Santander Retail and Business banking call centres are based in the UK

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On completion, Santander will inherit existing customer agreements which are legally binding. You will be notified, as part of the High Court sanctioned transfer process, of any changes.

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Our aim throughout is to make the transfer as easy as possible for our customers. With that in mind, we have designed 5 key stages that ensure a smooth transfer to Santander. We will refer to these 5 stages every time we contact you so that it is clear where you are in the journey. For the moment, it's very much business as usual. Please click: 'The key 5 stages in your journey to Santander’ link

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You can continue to use your account and associated products and services as you do currently. If any changes are needed in the future, we'll update you well in advance. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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There will be no change to the contacts at your branch. If you have a Relationship Manager, in the majority of cases, they will move to Santander with you. In some instances, you may be assigned a Relationship Manager at Santander. We will write to you in advance if there are any changes. In the meantime, it is very much business as usual.

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It's very much business as usual and there is no need to stop the process. We continue to offer a service focused on delivering solutions to meet your needs.

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You can continue to use your branch for safe custody as you do currently. If and when any changes are needed, we’ll be in contact with you in plenty of time.

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You will have been notified if you have been appointed a new Relationship Manager. If you have not heard from us, then it is very likely you will not experience a change in Relationship Manager. If you have been assigned a new Relationship Manager, they will contact you over the coming months to advise you when the change will take place and will work closely with you to ensure a smooth transition. In the mean time, please continue to contact your current Relationship Manager for your business needs.

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If you currently have a Relationship Manager, they will advise you if your support team's contact details change. Until then, please continue to contact your current support team.

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We expect the sale to complete during the second half of 2012, subject to regulatory approvals and other conditions.

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To protect your interests, the sale has to go through a number of approvals, one of which is by the High Court which involves the public notification of the proposed transfer (and the opportunity for affected customers to comment) and a comprehensive review of the proposal by the Financial Services Authority. We will be writing to you about this nearer the time.

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RBS branches in Scotland and NatWest branches in England and Wales will stay as part of the RBS Group. To find your nearest branch check the branch locator.

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Affected customers will have the opportunity to comment during the High Court process. In the interim you can continue to use the RBS complaints process. Please visit www.rbs.co.uk/global/h/contact-us/personal-banking/complain.ashx where you can find more information.

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You can continue to use your branch as you do currently. Santander is committed to the branch network and if there are any changes that might affect you, we’ll be in contact with you.

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You can continue to use your branch and all products and services just as you do currently. It’s business as usual and we’ll be in touch with any updates as the sale progresses.

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As Santander UK plc is a UK company holding a UK banking licence, the tax treatment on interest payments should not change for standard UK customers when the sale completes.

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The sale has to go through a number of approvals, one of which is by the High Court which involves the public notification of the transfer (and the opportunity for affected customers to comment) and a comprehensive review of the sale by the Financial Services Authority. We will be writing to all our customers about the court process nearer the time.

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As Santander UK plc is a UK company holding a UK banking licence, the tax treatment on interest payments should not change for standard UK customers when the sale completes.

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Yes. The sale is subject to independent review and will go through a High Court process. You will receive legal notification of the court process closer to the time. You will also receive written confirmation that the transfer will take place, together with useful information of what to expect when the sale completes. Please click: 'The key 5 stages in your journey to Santander’ link

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If you have shares in the RBS Group, these will not transfer as part of the sale.

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There is no immediate change and we are committed to providing you with a first-rate banking service and honouring all of our commitments to you. You remain a valued customer of the RBS Group, with the staff at your local branch continuing to look after your banking needs.

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No, you will not be credit scored as part of the transfer

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In August 2010, we announced the sale of NatWest branches and accounts in Scotland and RBS branches and accounts in England and Wales and our Business Banking Direct division, to Santander. This follows an agreement reached with the European Commission in December 2009 and is subject to regulatory approvals. All our NatWest branches and accounts in England and Wales and RBS branches and accounts in Scotland will remain part of the RBS Group. The sale includes Personal (including Private Banking) customer accounts and Business and Commercial customers attached to the branches included in the sale, together with all Business Banking Direct customer accounts. In addition, certain mid-corporate customer accounts across the UK will be included.

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As a result of the state aid received by The Royal Bank of Scotland Group, a number of restructuring plans were agreed with the European Commission. Broadly these changes meant that NatWest branches in Scotland and RBS branches in England and Wales had to be offered for sale.

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The sale includes NatWest branches and accounts in Scotland, RBS branches and accounts in England and Wales, Personal (including Private Banking) customer accounts and Business and Commercial customers attached to these branches, together with all Business Banking Direct customer accounts. In addition, certain mid-corporate customer accounts across the UK will be included. When the sale completes, NatWest branches and accounts in Scotland, RBS branches and accounts in England and Wales and any customer accounts included in the sale will transfer to Santander. In addition, staff from all these branches will also be moving to Santander with you to provide the continuity of service you’ve come to expect. Private, Business and Commercial customers should contact their Relationship Manager or Relationship Management Team for further information.

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If you have an account at a NatWest branch in Scotland or RBS branch in England or Wales or if you are a Business Banking Direct customer or one of the mid-corporate customers included in the sale, there will be no immediate change for you. We expect the sale, which is subject to approvals and other conditions, to complete during the second half of 2012. You are still a valued RBS Group customer and the service you receive from us will continue to run as usual as will your account and any products you hold with us. Only when the sale completes will your accounts and products included in the sale transfer to Santander.

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If you have an account at a NatWest branch in Scotland, RBS branch in England or Wales this account and products and services included in the sale, are expected to transfer to Santander. You can check if your branch is being sold using the online Branch Sale Checker tool; please visit http://natwestbranchinformation.com/home/personal for Personal Banking customers or http://natwestbranchinformation.com/home//private for Private Banking customers. If you are a Business Banking Direct customer, your account will also transfer to Santander. Business and Corporate customers should contact their Relationship Manager or Relationship Management Team.

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The staff at all NatWest branches in Scotland and RBS branches in England and Wales will also be moving with you to Santander so you can be sure of receiving the same high level of service from people you know.

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Visit your branch or call our dedicated Branch Sale helpline on 0800 210 0213 (Minicom 0800 917 0527). Calls may be recorded. Private, Business and Corporate customers should contact their Relationship Manager. Business Banking Direct customers should contact their Relationship Management Team.

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This service will continue to be provided by NatWest as a third party provider in accordance to arrangements set in place with the RBS group. The NatWest Executor Service will be happy to provide more information. We will keep all affected customers fully informed of any future changes.

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Affected customers will have the opportunity to comment during the High Court process. In the interim you can continue to use the NatWest complaints process. Please visit https://www.natwest.com/secure/global/contact_us/complaints_procedure.htm where you can find more information.

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Until the sale completes you will continue to be a customer of NatWest and there will be no change to the name appearing on branches. Following the transfer the branches will change to Santander.

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NatWest has no plans to make changes as a result of the transfer. If any changes are needed in the future, we’ll update you well in advance.

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When the sale completes, you will not be charged for transferring funds from your NatWest or RBS account to Santander. If any changes are needed in the future, we’ll update you well in advance.

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For now, it's business as usual. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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Current accounts, savings accounts, loans, mortgages, credit and charge cards are all included in the sale. Associated foreign exchange, hedging, bonds and guarantees, documentary and standby letters of credit made available to corporate customers who are transferring to Santander when the sale completes will also be included.

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There are no changes. RBS Group can continue to provide you with other products and services. All products currently provided will continue to be available to all our customers. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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Any mortgage arrears will be dealt with in the same way as they are now for the time being. If any changes are needed in the future, we’ll update you well in advance.

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There is no change to our current lending policy and we remain fully committed to our HM Government lending commitments.

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Santander intends to honour fixed rate savings and fixed rate mortgage products. If you have, for example, a fixed rate bond that is due to mature after completion of the sale, Santander will honour your rate and term.

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Until the sale completes, all of our current products and services will still be available and there will be no immediate changes to our lending policy or your banking arrangements. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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Investments are not part of the sale. Please see your policy document or Terms and Conditions for details of the product provider. If you have invested in a fixed term product, it will continue to run its full term, subject to any early maturity conditions. Please contact your Private Banking Relationship Manager for more information.

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Until the transfer of branches is complete it’s business as usual and we’d be delighted to help with this or any other requirement you might have. Please call our customer mortgage team on 0800 092 9585 (Minicom 0800 917 0789). Calls may be recorded.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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RBS has no plans to make changes as a result of the transfer and we will continue to honour all our commitments to you. If any changes are to be made in the future, we will keep you fully informed.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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Will my bank charges change?

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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If you have shares in the RBS Group, these will not transfer as part of the sale.

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The service you receive from us will continue to run as normal, as will your account and any products you hold with us. When the sale is completed, your local branch and any of your accounts included in the sale will transfer to Santander.

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If you are a personal and small business customer with accounts at one of the branches that is part of the sale, it is likely that both these accounts will transfer to Santander. If you have a Business Banking Direct account, this will also transfer to Santander.

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Your current or business account statement will have details of the address where your account is based.

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Offshore accounts are not part of the sale.

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If you have an agreement where your bank account is linked to your mortgage, this will continue to apply for the time being. If any changes are needed in the future, we’ll update you well in advance.

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If all your accounts are moving to Santander, you can continue to use your customer number to access your accounts via telephone and Online Banking and as you do currently. If you have accounts that are moving to Santander as well as accounts staying with NatWest, we would have provided you with an additional customer number for you to access your accounts that are moving to Santander. Please continue to use your existing customer number for your accounts staying with NatWest.

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Yes. As both your customer numbers for telephone and Online Banking are linked together, you can use the same security number and password. If you need to reset your security number and password for any reason, it will change for both customer numbers.

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No. You can continue to use your PIN and password as you do currently. If any changes are needed in the future, we'll update you well in advance.

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No. You can continue to use your PIN for your debit card as you do currently. If and when any changes are needed, we'll update you well in advance.

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You can continue to use your cheque book as you do currently. As and when a new cheque book is needed, we’ll update you well in advance.

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If you are registered for Online Banking, you would have received a letter from us with details of a new Online Banking web address natwest.com/santander to service your accounts which are moving to Santander. You should start using this new web address from 20 May 2012 and you can continue to use this web address before, during and after your move.

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From 20 May 2012, if you would like to transfer funds between your accounts that are moving to Santander and your accounts that are staying with NatWest, you will need to set up a payment mandate. This will require a card reader which can be ordered by selecting Account Admin within Online Banking.

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You do not need to make any changes at the moment. If any changes are needed in the future, we’ll update you well in advance.

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Following the transfer you should direct any queries about your account history to Santander who will be able to help you.

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If you have received a letter from us which provided you with a new telephone banking number to service your accounts moving to Santander, you should start using this new number from 20 May 2012. You can continue to use this number before, during and after your move. If you also have accounts staying with NatWest, you should continue to use your existing telephone banking number to service these accounts.

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Credit cards are included in the sale. However, there is no immediate change for you and you can continue to use your credit card as usual. If any changes are needed in the future, we’ll update you well in advance.

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For most customers, your account number and sort-code will remain unchanged. However, for a small number of customers, we will have already notified you that there will be changes to your account details and have provided you with information on how we will support you throughout this process. If you have not heard from us, then it is very unlikely that you will receive new account details. Private, Business and Commercial customers should contact their Relationship Manager or Relationship Management Team with any further questions. If an account number or sort code change is required, we will write to you in advance.

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One Accounts are not part of the sale.

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Charge cards are included in the sale. However, there is no immediate change for you and you can continue to use your charge card as usual. If any changes are needed in the future, we’ll update you well in advance.

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Your Royalties account and benefits stay the same for the time being. If any changes are needed in the future, we’ll update you well in advance.

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As a NatWest customer with an account held in England and Wales you are not affected by the sale and will remain a NatWest customer. You will continue to have the same facilities. We are reviewing a number of options for providing branch access to our customers. This will ensure that, when NatWest branches in Scotland transfer to Santander, you will continue to have access to a branch service that meets your needs.

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Current accounts, savings accounts, loans, mortgages, credit and charge cards are all included in the sale.

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Yes. You can still apply for any of our accounts in the usual way but if you open a new account at a NatWest branch in Scotland or at an RBS branch in England or Wales this may mean that in due course any of your accounts and products included in the sale will transfer to Santander.

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If you have a current account, savings account, loan, mortgage credit or charge card attached to a NatWest branch in Scotland or RBS branch in England and Wales, your accounts and products are included in the sale and will transfer to Santander. If you have a Business Banking Direct account, this will also transfer to Santander. Private, Business and Commercial customers should contact their Relationship Manager or Relationship Team for further information.

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We want to make arrangements to meet your needs because we are committed to making this as easy as possible for you. If you have some accounts (including joint accounts or accounts with other named parties) transferring to Santander and some accounts remaining with NatWest please call our dedicated Branch Sale Helpline on 0800 210 0213 so that we can help.

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For debit card users, we will send you a new NatWest or RBS debit card which will work before, during and after the transfer, ensuring that you will always have access to your money. In the meantime, you can continue to use your debit card as you do currently.

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This issue will be addressed as part of the Financial Services Authority and High Court review of the integration plans. The purpose of the review is to confirm that customer interests are being addressed, including how protection provided by the Financial Services Compensation Scheme will operate. We will communicate the details prior to completion of the sale.

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You do not need to make any changes at the moment. If any changes are needed in the future, we’ll update you well in advance.

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Yes, you should use these new details from 20 May 2012 to service your accounts that are moving to Santander, before, during and after the sale has completed.

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For your accounts that are registered for Online Banking, you'll find this information when you access your Online Banking service after 20 May 2012. You can also call telephone banking or speak with your usual contact.

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Yes. You can continue to access your account details, statements and history via Online Banking.

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No. There are no changes to how you access and use Mobile Banking.

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No. You can continue to use your card reader to service all of your accounts. If any changes are required in the future, you'll be advised in advance.

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Yes, can view your credit card statements through Online Banking and Credit Card Online Services

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In August 2010, we announced the sale of NatWest branches and accounts in Scotland, RBS branches and accounts in England and Wales and our Direct Business Banking division, to Santander. This follows an agreement reached with the European Commission in December 2009 and is subject to certain conditions. The sale includes Personal (including Private Banking) customer accounts, certain accounts held by Business and Commercial customers attached to the branches, together with certain accounts held by customers of NatWest and RBS Direct banking business. In addition, certain mid-corporate customer accounts across the UK will be included.

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As a result of the state aid received by The Royal Bank of Scotland Group a number of restructuring plans were agreed with the European Commission. Broadly, these changes meant that NatWest branches in Scotland and RBS branches in England and Wales had to be offered for sale.

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We expect the sale to complete during the second half of 2012, subject to certain conditions.

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The sale includes NatWest branches and accounts in Scotland, RBS branches and accounts in England and Wales, Personal (including Private Banking) customer accounts, certain accounts held by Business and Commercial customers attached to these branches, together with certain accounts held by customers of NatWest and RBS Direct banking business. In addition certain mid-corporate customer accounts across the UK will be included. When the sale completes, NatWest branches and accounts in Scotland, RBS branches and accounts in England and Wales and any customer accounts and products included in the sale will transfer to Santander. In addition, staff from all these branches will also be moving to Santander with you to provide the continuity of service you’ve come to expect. Private, Business and Commercial customers should contact their Relationship Manager or Relationship Management Team for further information.

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If you have an account at a NatWest branch in Scotland, RBS branch in England and Wales or if you are a Direct Business Banking customer or one of the mid-corporate customers included in the sale, there will be no immediate change for you. We expect the sale, which is subject to certain conditions, to complete during the second half of 2012. You are still a valued NatWest customer and the service you receive from us will continue to run as usual as will your account and any products you hold with us. Only when the sale completes will your accounts and products included in the sale transfer to Santander.

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If you have an account at a NatWest branch in Scotland or an RBS branch in England or Wales, this account and products and services included in the sale are likely to transfer to Santander. You can check if your branch is being sold using the online Branch Sale Checker tool; please visit http://natwestbranchinformation.com/home/business. If you are a Direct Business Banking customer, your accounts and products included in the sale will also transfer to Santander when the sale completes.

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Visit your branch or call our dedicated Branch Sale helpline on 0800 210 0213 (Minicom 0800 917 0527). Calls may be recorded. Private, Business and Corporate customers should contact their Relationship Manager. Direct Business Banking customers should contact their Relationship Management Team.

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You will continue to get the same customer service throughout this process.

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Our aim throughout is to make the transfer as easy as possible for our customers. With that in mind, we have designed 5 key stages that ensure a smooth transfer to Santander. We will refer to these 5 stages every time we contact you so that it is clear where you are in the journey. For the moment, it's very much business as usual. For more information on the journey, please refer to 'The key 5 stages in your journey to Santander'. You can find a link to this document in the top right hand corner of the Business & Commercial http://natwestbranchinformation.com/home/business page, as well as the Corporate Banking http://natwestbranchinformation.com/home/corporate page.

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It's business as usual and you can continue to use your account and associated products and services as you do currently. If any changes are needed in the future, we’ll update you well in advance.

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NatWest branches in England and Wales and RBS branches in Scotland will stay as part of the RBS Group, although some Directs, Small and Medium-sized business customers may have accounts attached to these branches which will transfer with them to Santander. To find your nearest branch, check the branch locator at www.natwest.com/branch-locator

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For most customers, your existing point of contact will also be moving with you to Santander so you can be sure to receive the continuity of service from the people who know and understand your business. If there are any changes to your existing point of contact in the future, we will keep you fully informed.

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We are reviewing a number of options for providing branch access for Corporate customers of NatWest in Scotland (who are not transferring to Santander). This will ensure that, when these branches transfer to Santander after the sale completes, you will continue to have access to an RBS Group branch service that meets your needs.

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You won't need to make any changes to stationery for the time being. If any changes are needed at any point, we'll be in touch in plenty of time to make sure it’s a smooth transition.

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It's very much business as usual and there is no need to stop the process. We continue to offer a service focused on delivering solutions to meet your needs.

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You can use the NatWest complaints process. Please visit http://www.natwest.com/global/contact-us/make-a-complaint.ashx where you can find more information.

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If you currently have a Relationship Manager or Relationship Management Team, they will advise you if your support team's contact details change. Until then, please continue to contact your current support team.

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You can continue to use your branch as you do currently. Santander is committed to the branch network and if there are any changes that might affect you, we’ll be in contact with you.

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You can continue to use your branch and all products and services just as you do currently. It’s business as usual and we’ll be in touch with any updates as the sale progresses.

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Until the sale is complete you will continue to be a customer of NatWest and there will be no change to the name appearing on branches. Following the transfer, the branches will change to Santander.

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The sale has to go through a number of approvals, one of which is by the High Court and involves the public notification of the proposed transfer and a comprehensive review of the proposal by the Financial Services Authority. We will be writing to you about this nearer the time.

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As Santander UK plc is a UK company holding a UK banking licence, the tax treatment on interest payments should not change for standard UK customers when the sale completes.

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As Santander UK plc is a UK company holding a UK banking licence, the tax treatment on interest payments should not change for standard UK customers when the sale completes.

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Yes. The sale is subject to independent review and will go through a High Court process. You will receive legal notification of the court process closer to the time. You will also receive written confirmation that the transfer will take place, together with useful information of what to expect when the sale completes.

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If you have shares in the RBS Group, these will not transfer as part of the sale.

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Santander’s history stretches back over 150 years. At its heart, it is a retail and commercial bank with over 90 million customers and around 14,760 branches worldwide – more than any other international bank. Santander is committed to developing its offering to business and commercial customers in the UK, through investment in its business centres and increased lending to Small and Medium-sized Enterprises. Santander remains focused on building strong relationships and providing a convenient banking service to support their customers’ requirements. For more information, please visit www.movingtosantander.co.uk

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Santander UK plc is a UK legal entity, governed by UK law and regulated by the FSA, just as NatWest’s UK operations are. In addition, Santander UK plc has a standalone credit rating of AA- from Standard & Poor’s, one of the highest ratings of any UK bank. Santander is also covered by the Financial Services Compensation Scheme. This means eligible customers are currently protected for up to £85,000 across all their accounts under one institution.

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Santander UK plc is a UK legal entity, governed by UK law, regulated by the FSA and covered by Financial Services Compensation Scheme. Santander UK plc manages its affairs autonomously and is run by a local management team which is fully accountable solely for the performance of Santander in the UK .

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Santander has confirmed that customer satisfaction is a top priority and that it regularly reviews customer feedback on all aspects of their experience with Santander.

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Santander is fully committed to delivering an excellent service to its customers and continues to identify ways in which customer service can be improved. The service initiatives adopted by Santander are not formally known as a ‘customer charter’ but have been put in place to improve the overall service experience for its customers.

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All Santander Retail and Business banking call centres are based in the UK.

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On completion, Santander will inherit existing customer agreements which are legally binding. You will be notified as part of the High Court sanctioned transfer process of any changes.

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The sale includes certain current accounts, savings accounts, loans, mortgages, credit and charge cards. Business and Commercial customers and Corporate customers should contact their Relationship Manager or Relationship Management Team for further information.

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As a NatWest customer with accounts held in England and Wales only, you are not expected to be affected by the sale and will remain a NatWest customer. We are reviewing a number of options for providing branch access to our customers. This will ensure that, when NatWest branches in Scotland transfer to Santander, you will continue to have access to an RBS Group branch service that meets your needs.

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Yes. You can still apply for any of our accounts in the usual way but if you open a new account at a NatWest branch in Scotland or at an RBS branch in England and Wales, this may mean that in due course any of your accounts and products included in the sale will transfer to Santander.

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The sale agreement does not have any impact to the way we offer our products and services. You can still apply for any NatWest account in the normal way, but if you open new accounts at NatWest branches in Scotland, in due course, some or all of these products will transfer to Santander.

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The service you receive from us will continue to run as normal, as will your account and any products you hold with us. When the sale is completed, your local branch and any of your accounts and products included in the sale will transfer to Santander.

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If you are a personal and small business customer with accounts at one of the branches that is part of the sale, it is likely that both these accounts will transfer to Santander. If you are a Direct Business Banking customer, your accounts or products included in the sale will transfer to Santander when the sale completes.

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Your business account statement will have details of the address where your account is based.

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Offshore accounts are not part of the sale.

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For most customers, your account number and sort-code will remain unchanged. However, for a small number of customers, we have notified you that changes to your account details have already taken place. If you have not heard from us, then it is very likely that you will not receive new account details. Private, Business and Commercial customers should contact their Relationship Manager or Relationship Management Team with any further questions. If an account number or sort code change is required, we will write to you in advance.

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If you have an agreement where your bank account is linked to your mortgage, this will continue to apply for the time being. If any changes are needed in the future, we’ll update you well in advance

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Following the transfer, you should direct any queries about your account history to Santander who will be able to help you.

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You can continue to use your PIN as you do currently. If any changes are needed, we'll update you well in advance.

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You can continue to use your cheque book as you do currently. If a new cheque book is needed, we’ll update you well in advance.

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If you use online banking we’ll provide you with a new online banking web address in advance of the transfer that you can use before, during and after the transfer completes. In the meantime, please continue to use your online banking as you do currently.

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If you use telephone banking, we’ll provide you with a new telephone banking number well in advance of the transfer that you can use before, during and after the transfer completes. In the meantime, you can continue to use your telephone banking as you do currently.

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You do not need to make any changes at the moment. If any changes are needed in the future, we’ll update you well in advance.

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You do not need to make any changes at the moment. If any changes are needed in the future, we’ll update you well in advance.

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All Personal (including Private Banking) customer accounts that are linked to a NatWest branch in Scotland or an RBS branch in England and Wales, are included in the sale agreement and will transfer to Santander when the sale completes.

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This issue will be addressed as part of the Financial Services Authority and High Court review of the integration plans. The purpose of the review is to confirm that customer interests are being addressed, including how protection provided by the Financial Services Compensation Scheme will operate. We will communicate the details prior to completion of the sale.

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The sale includes certain current accounts, savings accounts, loans, mortgages, credit and charge cards. Associated foreign exchange, hedging, bonds and guarantees, documentary and standby letters of credit made available to corporate customers who are transferring to Santander when the sale completes will also be included.

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All of our current products and services will continue to be available. Please do get in touch with your existing point of contact if you would like to discuss any products or opportunities for your business. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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Any mortgage arrears will be dealt with in the same way as they are now for the time being. If any changes are needed in the future, we’ll update you well in advance.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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NatWest has no plans to make changes as a result of the transfer and we will continue to honour all our commitments to you. If any changes are to be made in the future, we will keep you fully informed.

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NatWest has no plans to make changes as a result of the transfer and we will continue to honour all our commitments to you. If any changes are to be made in the future, we will keep you fully informed.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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There is no change to our current lending policy and we remain fully committed to our HM Government lending commitments.

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You can continue to use your branch for safe custody as you do currently. If and when any changes are needed, we’ll be in contact with you in plenty of time.

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NatWest has no plans to make changes as part of the sale agreement. If any changes are needed in the future, we’ll update you well in advance.

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You can continue to use your account and associated products and services as you do currently. If any changes are needed in the future, we’ll update you well in advance. If any changes to your products and services arise from the sale, then we will let you know ahead of the transfer completing.

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Credit cards are included in the sale. However, there is no immediate change for you and you can continue to use your credit card as usual. If any changes are needed in the future, we’ll update you well in advance.

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Charge cards are included in the sale. However, there is no immediate change for you and you can continue to use your charge card as usual. If any changes are needed in the future, we’ll update you well in advance.

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Santander intends to honour fixed rate savings and fixed rate mortgage products. If you have, for example, a fixed rate bond that is due to mature after completion of the sale, Santander will honour your rate and term.

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Santander intends to honour fixed rate savings and fixed rate mortgage products. If you have, for example, a fixed rate bond that is due to mature after completion of the sale, Santander will honour your rate and term.

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Santander intends to honour fixed rate savings and fixed rate mortgage products. If you have, for example, a fixed rate bond that is due to mature after completion of the sale, Santander will honour your rate and term.