The Royal Bank of Scotland Combi Saver Terms and Conditions for the Combi Saver ‘Green Edition’ (Issue 3)

The Combi Saver ‘Green Edition’ is a three year structured deposit account that allows you to benefit from an attractive rate of interest on your short term savings and take advantage of the potential growth in emerging ‘Green’ business sectors on your long term savings.

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use the information to decide if our services are right for you.

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Welcome to the fi fth edition of Your Liquidity, our regular review of the world of liquidity, trade and supply chain issues that can make a real difference to your business. debt and a desire to keep a careful track of the money being spent. In challenging market conditions, with liquidity a major issue worldwide, businesses of all sizes are acutely aware of the importance of ready access to cash. Having money in the right

Access to Smart Data is simple and requires no software to be installed on your computer. All you need is a web browser as the service is supplied directly over the internet

“When economic conditions deteriorate, small businesses are usually the most vulnerable. They tend to have fewer resources, less capital and typically rely on a smaller number of customers than larger businesses.

This leafl et is available in Braille, large print and on audio tape. Ask in branch or call 0800 015 5035 (Minicom 0800 917 0527) to request that the leafl et/brochure be sent to you in an alternative format. Please ask at any Royal Bank of Scotland branch for a copy of ‘The Disability Discrimination Act – How we make our services available to everyone’ leaflet.

Welcome to the fourth edition of Your Liquidity, our regular review of the world of liquidity, trade and supply chain issues that can make a real difference to your business. In this edition we look at how RBS can help businesses optimise their working capital and maximise control over cash resources. We also highlight the benefits of e-invoicing in speeding up payments and driving efficiencies across the supply chain. Furthermore, we bring you up to date with

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Please contact us before completing your application to ensure we open the right savings account for you. Call 01252 893962

This is the Information Sheet for Fixed Rate Bond Issue 284and should be read in conjunction with Personal and Private Banking –Terms and Conditions and Personal and Private Banking– Charges and Rates of Interest.

We are making some important changes which will allow us to always notify you in advance of fees and charges in relation to unarranged borrowing or unpaid items which may be payable by you.

We have some great limited offers for new Instant Savings Tracker and Royalties Saver accounts.

Please read this document carefully. Full Terms and Conditions can be found within the Policy Document. This document does not form part of the contract between us. For full details of cover, including Terms and Conditions, please refer to Leaflet ‘Your Service Guide’ which will be contained as part of your Royalties/Royalties Gold Welcome Pack.

At RBS we are committed to helping our customers at this difficult time. We have already pledged to maintain your business overdraft and promised not to change the pricing on your overdraft until at least the end of 2009.

If you like the idea of investing in the stockmarket with the opportunity to earn an accumulated return on your investment and gain the benefit of capital protection in certain circumstances (as detailed below), the Investment Fund 1 Annual Accumulator (the Investment Fund, or Fund) may be the ideal investment for you. All you’ll need to take advantage of this great investment opportunity is at least £20,000 which you are prepared to invest for a term of just over 5 years (5 years and 9 days).

RBS - Private Banking Special Edition Bond Series - Terms and Conditions of ‘Autopilot’ (Issue 1) Please read these terms and conditions (“the Conditions”) carefully, and keep them for future reference. Suggested reading: http://www.edocr.com/doc/2471/rbs-special-edition-bond-series-autopilot-issue-1

Autopilot from the Private Banking Service has a management strategy that allows you to benefit from exposure to a broad and diversified portfolio of four markets, safe in the knowledge that your capital is guaranteed as long as the bond is held until maturity. Autopilot follows the trends and price levels of four distinct Market Sectors: Developed Markets, Emerging Markets, Property and Commodities. By using an innovative, monthly management strategy, Autopilot can avoid manyof the risks and costs often associated with direct investment. The monthly management strategy links your

This guide will help you get up and running as quickly as possible. It takes you through day-to-day transactions and gives you advice on how to manage your new account. It also refers to our commitments under The Banking Code – a voluntary Code which aims to set minimum standards in the financial industry. This ensures that you get the best possible banking service. At The Royal Bank of Scotland we fully support the Code. We do all that it asks and often more.