Savings:

Know more about how your savings can work for you before you invest…

When your investment has been approved we will send you a personalised Savings Agreement to accompany these documents.

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The Rates

• Tax free means the contractual rate of interest payable where interest is exempt from income tax
• Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.
• Rates subject to variation
• Should the interest rate on your savings account ever exceed that of your Cash Mini ISA, we will increase your ISA rate to ensure both accounts receive the same level of interest
• Rates subject to variation. Rates correct as at 1st February 2008.
  

General

• Cash Mini ISA provided by The Royal Bank of Scotland plc trading as Direct Line, 339 Southbury Road, Enfield, Middlesex, EN1 1TW
• Deposits and withdrawals via your nominated external bank account – allow 3 working days
• The Government proposes that the ISA will remain tax exempt until at least 2009
• If, after applying you decide that you no longer want to continue with your Cash Mini ISA, you can cancel your account with no loss of interest within 14 days of your account being activated (your account is activated on the date when we receive your initial deposit funds – this date will be shown on your opening statement). If you cancel within 14 days, your application will not be counted as an ISA application for that tax year
• We will try to resolve any complaint in a reasonable and professional way
  

Accessibility

Direct Line has a variety of facilities in place to ensure that as many visitors and customers as possible can use our services.

Phone

For example:
18001 + area code + number.

To use Text phone, please call 0208 344 5705. Alternatively Direct  Line Financial Services will deal with anyone who has Power of Attorney for you, should you be unable to contact us yourself.

Print

Direct Line shall also be happy to send you any of our brochures, letters or statements in Braille, large print or audio, upon request.

Banking Code

Direct Line subscribes to the Banking Code. If you would like a copy of the Code, please follow this link: www.bankingcode.org.uk.

How we can help?

Direct Line is committed to providing the highest standard of customer service to all our customers. However, if we fall short of this standard, we would like you to tell us, so that  we can do everything possible to ensure your complaint it is dealt with quickly and fairly.

How to complain by telephone

Call: 0845 300 1230

If our Customer Advisors are unable to resolve your complaint, we will arrange for the relevant person to investigate the complaint on your behalf and reply to you as quickly as possible.

How to complain by letter, email or fax

Customer Feedback
Direct Line
250 St Vincent Street
Glasgow G2 5SH

Email: !GOBBGLACustomerTeam@rbs.co.uk
Fax: 0141 308 4026

Financial Ombudsman Service

If we have been unable to resolve your complaint within 8 weeks, you can refer your complaint to the Financial Ombudsman Service.

Or, if all reasonable avenues to resolve your complaint have been exhausted, we will send you a "final response" letter.

This will allow you to refer your complaint to the Financial Ombudsman Service, who, once contacted, will liaise with Direct Line on your behalf. The Financial Ombudsman Service will then inform you directly of their decision.

The Financial Ombudsman Service contact details are:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

Telephone enquiries: 0845 080 1800
Fax enquiries: 0207 964 1001
Email: enquiries@financial-ombudsman.org.uk

The complaints procedures outlined here do not affect your legal rights.