Helping you make the most of your Black Account - NatWest

Executive SummaryThis report provides a summary of results from a household survey that was conducted in Kisarawe andRufiji following completion of universal distribution of free nets (LLINs) and hang-up campaign. Thereported household survey was conducted in October 2011.The survey addressed four main objectives:1. To assess coverage of the Universal Coverage Campaign (UCC) in the Coastal zone2. To assess household ownership of ITNs in the Coastal zone3. To asses use of ITNs for people in various age groups in the Coastal zone4. To assess the coverage of the hang-up campaign the Coastal zoneA total of 580 households were surveyed in the Coastal zone.Process indicators for the Universal Coverage CampaignPrior to distribution of the nets, various preparatory activities were carried out, among them wasregistration of households. Procedures required each household to be visited and sleeping spaces thatwere not covered by a LLIN from the Under five Catch-up Campaign (U5CC) or through the upgradedfixed top-up voucher would be counted and the household would be given the number of couponsequivalent to such sleeping spaces.In Kisarawe and Rufiji districts, virtually every head of household who was interviewed reported thats/he had heard about the UCC (99.5%). Of the 580 surveyed household, 96% were registered for freeLLINs. However, just few households were asked the purposed questions that would lead to theaccurate number of nets required. Of the 580 surveyed households, only 3% were asked about thenumber of sleeping spaces by those who were doing registration. Contrarily, most of the householdswere asked about household members (70%).Household ITN ownership and sleeping spacesEstimates of household ownership of ITN (at least one) were 97% in Kisarawe district and 98% in Rufijidistrict. Ownership of LLIN was also high, 97% of the surveyed households in Kisarawe and Rufiji districtsowned at least one LLIN.Success of the UCC as measured by percentage of sleeping spaces covered by LLIN was substantiallyhigh. At the time of the survey, 79% of the reported sleeping spaces were covered by LLIN. However,number of LLINs owned per household did not necessarily correspond to the number of sleeping spaces.While some households had more nets (LLINs) than required, others had less than the number ofsleeping spaces. Distribution of LLINs through the UCC achieved a high level of equity, 99% of thehouseholds in the lowest wealth quintile had at least one LLIN and 94% of the households in the highestwealth quintile had at least one LLIN (equity ratio=1.1).3

05Make the most of your Black Account benefitsThe details of each benefit, and how to use them, are explained on thefollowing pages.Automatic benefitsCertain benefits are yours to enjoyautomatically, such as Worldwide Multi-TripTravel Insurance and Car Breakdown Cover(with European Cover). You will know abenefit is automatically yours when you seethe ‘Automatic benefit’ icon.Benefits you register forFor other benefits, you will need to registerbefore you start using them – such asWorldwide Airport Lounge Access andMobile Phone Insurance. You will knowwhen you need to register for a benefitwhen you see the ‘Register now’ icon.In these cases, clear instructions on howto register are provided.For additional information about any of thebenefits or to register visit natwest.com/blackaccountbenefits or call theBlack Account Membership Serviceson 0845 601 7188 Customers withhearing and speech impairments cancontact us by Minicom 08456 00 05 12.Once you are ready to use your BlackAccount benefits you can also sign up toour Black Account Membership Servicesat membershipbenefits.natwest.comIf have have any other questions aboutthe Black Account and the benefits it offers,please don’t hesitate to ask your PrivateBanking Manager.

065 Star Defaqto rated Annual WorldwideMulti-Trip Travel InsuranceWherever you travel in the world, as a Black Account customer, you and yourfamily will be covered by our Annual Worldwide Travel Insurance.The policy provides:Cover for you and your partner.Cover for any children aged under 18if they are unmarried and permanentlyliving with you or the other parent.Cover for any children up to the ageof 23 if in full-time education.5 Star Defaqto rated cover.Cover for up to 90 days for each tripand up to 31 days for winter sports trips.Up to £10,000 per person forcancellation or curtailment of yourtrip and up to £10 million cover formedical expenses.No upper age limit.Pre-existing medical conditionsIf you have a pre-existing medical condition,please call Membership Services on0845 601 7188 (Minicom 08456 00 05 12).Please note that in certain cases, cover maynot be available or you may be required topay a premium for cover.Find out moreYour policy documents were includedwith the letter we previously sent youregarding your account changes.Please read the ‘Insurance PolicySummaries’ for full details.Visit the Black Membership Services areaat natwest.com/blackaccountbenefitsFor emergency assistanceCall +44 (0)125 230 8794Lines are open for you 24 hours a day,7 days a week.

07Worldwide Airport Lounge AccessAs a Black Account customer, simply register for Airport Angel Membershipto enjoy unlimited access to airport lounges worldwide, even when youtravel economy.This benefit includes:Unlimited access to over 560 VIP airportlounges worldwide.Complimentary drinks and snacks,and use of business facilities.Text alerts (when you register yourflight) to keep you up-to-date withcheck-in and boarding times, gatenumbers and your final call.Guests travelling with you, who don’thave a Black Account themselves, canalso use the lounges for a payment of£15 per person.An Airport Angel Membership Card willbe sent to you up to 14 days after youregister and will be valid for three years.We’ll automatically send you a new cardwhen your existing membership card isdue to expire, as long as you’re still aBlack Account customer.For joint Black Accounts, both accountholders must register to use this benefit.Register now atnatwest.com/blackaccountbenefitsor call 0845 601 7188(Minicom 08456 00 05 12)Lines are open for you 24 hours a day, 7 days a week.

08Black Travel ServiceEnjoy a welcome discount on your next holiday, city break, flightor cruise. Working with over 100 different tour and cruise operators,the Black Travel Service gives you money off all year round ona range of breaks and holiday extras.This benefit provides:Up to 10% off selected holidays, flightsand accommodation from a number ofmajor tour operators including ThomasCook, Thomson, First Choice, Cosmosand Crystal.No additional charges such as creditcard or booking fees.Up to 10% discount on: airport hotels,Avis car hire, transfers and tickets forattractions abroad that you bookthrough this service.To make a booking or find out moreBook online atnatwest.com/blackaccountbenefitsCall 0845 601 7188(Minicom 08456 00 05 12)Lines are open for you 24 hours a day, 7 days a week.

09Travel Money ServiceWhen you’re planning a trip abroad, it’s good to know that,as a Black Account customer, you can buy foreign currency andtravellers’ cheques at a preferential rate. The service is very easyto use and we’ll even deliver direct to your home.Our Travel Money Service offers:Access to preferential rates on mostcurrencies and travellers’ cheques.Delivered direct to your home or anyNatWest branch – whatever you’dprefer, at no extra cost.The value of your travel money order mustbe at least £100 to qualify for preferentialexchange rates and home delivery.To order currency and travellers’ chequesVisit natwest.com/blackaccountbenefitsCall 0845 601 7188(Minicom 08456 00 05 12)Lines are open for you 24 hours a day, 7 days a week.

10Mobile Phone InsuranceUse your mobile or smartphone knowing it’s covered for loss, theft or damage.Simply register for Black Account Mobile Phone Insurance to benefit froma comprehensive policy covering up to four mobiles (including iPhone,BlackBerry devices and Android-based smartphones).The policy includes:Loss, theft, accidental damage andbreakdown cover – including waterdamage, liquid and malicious damage,as well as electrical or mechanical faults.Unauthorised calls cover – up to£2,500 (incl VAT) for monthly contractsand £100 (incl VAT) for pay-as-you-gocustomers.Worldwide cover – wherever you are inthe world, you’re covered.All claims must be reported within48 hours of the loss, theft, damage orbreakdown being discovered, unless youare outside the UK, in which case youmust report the claim within 48 hoursof returning to the UK.Accessory cover – up to £200 a claimfor any accessories that are lost, stolenor damaged at the same time as yourphone. Accessories include chargers,cases, earphones and memory cards.Maximum replacement retail value of£1,250 (including VAT) – you must payan excess of £100 for iPhones and £50for other handsets towards the claim.Register now – your cover will start7 days after registration.Please read the ‘Insurance PolicySummaries’ for full details.Register now atnatwest.com/blackaccountbenefitsor call 0845 601 7188(Minicom 08456 00 05 12)Lines are open for you Monday to Friday, 8am to 8pmand Saturday 9am to 5pm.

12Card ProtectionCard ProtectionWhen your cards are lost or stolen, theconsequences can be far-reaching. BlackAccount card protection eases the burden– whether you’re at home or abroad.Minimise the disruptionEmergency assistance –round-the-clock cover, worldwide forall your cards, no matter the provider.Card cancellation – we’ll arrange forall your missing registered cards tobe cancelled, replacements orderedand cover up to £100 communicationcosts a year.Fraudulent card use – up to £20,000,per Black Account holder where yourcard issuer deems you liable.Emergency cash advance – up to£5,000, subject to status, repayablewithin 28 days.Please read the ‘Insurance PolicySummaries’ for full details.If your cards are lost or stolen, call us on0845 601 7188 (Minicom 08456 00 05 12).And +44 (0)1904 275 858 from abroad.Lines are open for you 24 hours a day, 7 days a week.

13European Car Breakdown CoverWhether you break down at home or on the roadside anywhere in Europe,you’re automatically covered for emergency call-out with Green Flag.This valuable benefit includes:Roadside assistance – anywhere in theUK and Europe. (Cover outside the UK willnot apply to vehicles over 10 years old).Home Call – help when your car won’tstart at home.Recovery service – if Green Flag can’tget your car going, they’ll take you toa destination of your choice or to asuitable repairer at no additional cost.All your cars are covered – as long asthe car is registered in your name at yourhome address.Find out morePlease read the ‘Insurance PolicySummaries’.Visit the Black Membership Services areaat natwest.com/blackaccountbenefitsFor breakdown or emergency assistancein the UK, call Green Flag on0845 601 7188 or 0125 230 8790For breakdown or emergency assistanceoutside the UK, call Green Flag on+44 (0)125 230 8790Lines are open 24 hours a day, 7 days a week(additional call charges apply when callingfrom abroad).

14Home Emergency ServiceFrom a burst pipe to a broken boiler, our Home Emergency Service will cometo your assistance. We’ll even pay for parts and labour up to £750 per call-out.The Service providesthe following benefits:24-hour helpline – you can call us dayor night.Cover for up to two homes in the UK– your main residence and a secondhome owned by you.Approved repairers – all repairs arecarried out by qualified tradespeople.Cover up to £750 per call-out(including VAT) for parts and labour.Find out morePlease read the ‘Insurance PolicySummaries’.Visit the Black Membership Services areaat natwest.com/blackaccountbenefits24-hour, 7 days a weekHome Emergency helpline0845 601 7188(Minicom 08456 00 05 12)ExclusionsBoilers over 10 years old are not covered.Regrettably, we cannot provide coverfor homes in Northern Ireland, ChannelIslands, Scilly Isles and Isle of Man.Does not apply to rented propertiesyou own.IMPORTANTIt’s important to remember that this isn’t a household, buildings or contents insurancepolicy, or an equipment maintenance contract. It is recommended that you have a buildinginsurance policy covering your home and you should also consider a contents insurancepolicy to cover your possessions.

15Black Tickets ServiceYour Black Account gives you access to live entertainment and sporting eventsat reduced prices. You’ll receive 25% cash-back for up to four events a yearwithin the UK and Ireland, so it’s a great opportunity to treat friends, familyor colleagues.The Service allows you to:Order up to six tickets – for eachevent booked.Receive 25% cash-back – based onthe normal face value price of the ticket,with the discount paid directly into yourBlack Account.Book sporting events – receive 25%cash-back on top sporting events whenyou book online, including Premiershipfootball matches, Wimbledon, BritishOpen Golf etc.Find out moreVisit the Black Membership Services area atnatwest.com/blackaccountbenefitsBlack Tickets Service0845 601 7188(Minicom 08456 00 05 12)Lines are open 8am to 10pm Monday to Sunday,364 days a year (excluding Christmas Day).

1624/7 Black Concierge ServiceWhen you need a hand arranging something special – like booking the trip ofa lifetime or getting a table at an exclusive restaurant – the Black ConciergeService will go the extra mile for you.Available 24 hours a day, 365 days ayear including public and bank holidays,the Concierge Service can:source hard-to-get theatre or concerttickets for you.book a table at a top restaurantanywhere in the world.recommend and source a special giftfor any occasion – gift-wrappedif you need it.book an executive car in the UKor abroad.create and book travel for youanywhere in the world, with apersonalised itinerary.Find out moreVisit the Black Membership Services area atnatwest.com/blackaccountbenefits24/7 Black Concierge Service0845 601 7188(Minicom 08456 00 05 12)Lines are open for you 24 hours a day, 7 days a week.

17The Black Current AccountThe Black Current Account provides all the features you need to makeeveryday banking effortless.Visa Debit CardAs long as you have enough money availablein your account, you can use your Visa DebitCard to:Withdraw cash from any cash machineor Post Office in the UK.Withdraw cash from any cash machineoverseas which displays the Visa logo(you may have to pay fees and chargesfor this).Shop in store or online.Get cash-back from selected retailers.Direct Debits and standing ordersTo help you manage your money, youraccount allows you to set up Direct Debitsand standing orders to pay bills and transfermoney automatically.It is important to ensure there are sufficientfunds in your account to cover any DirectDebit and standing order payments – toavoid incurring any fees unnecessarily.Please see The ‘Personal & Private CurrentAccount Fees & Interest Rates’ leaflet formore information.Monthly statementsWe will send you a statement by post everymonth. However, if you register for onlinebanking at natwest.com you can gopaperless. Just select ‘Start or stop receivingbank statements by post’.Cheque bookWe don’t issue Black Account chequebooks automatically, but if you would like acheque book with your account, please call0845 305 0600 (Minicom 0845 900 5961)to order one.

18Emergency CashIf your debit card is lost or stolen, youcan still get access to your money by usingour 24-hour Emergency Cash service.Here’s how the service works:If your debit card is lost or stolen,call us immediately on 0870 600 0459(Minicom 0800 404 6160).To safeguard your account, you’ll beasked a few quick security questions.We’ll give you a code allowing you towithdraw your money at any NatWest,RBS or Ulster Bank cash machine inthe UK.If you do your banking online or use ourPrivate Banking 24/7 telephone bankingservice, you can withdraw up to £300.If not, you can still withdraw up to £60to tide you over.These amounts depend on you havingthe money available in your account. Asa minimum, you must have £25 availablein your account to use this service.We’ll ensure you receive a replacementcard within 24 hours of you reportingit missing.Overdraft facilityYour Black Account gives you the optionof an interest-free overdraft facility of upto £500. Please note, this facility does needto be agreed separately with your PrivateBanking Manager or team.If you’re likely to need more than this, youcan apply online at natwest.com, by calling0845 305 0600 (Minicom 0845 900 5961).Please note, certain eligibility criteria willapply and you’ll need to pass a standardcredit test.Switching made easyTo keep your finances simple, you may wantto do all your everyday banking throughyour Black Account. Our specialist switchingteam can arrange it all for you – with theminimum of fuss. They will keep you informedat every stage and answer any questions youmay have.To find out more about switching,visit natwest.com/easyswitch or call0800 200 400 (Minicom 0800 917 0526).

19Further banking benefitsPreferential savings ratesAdvantage Private Reserve, available toBlack Account customers, is the highest rateinstant access savings account we offer.As well as paying a bonus, the AdvantagePrivate Reserve account is easy to manageand offers the following benefits:Instant access – access your moneywhenever you need to.Tiered rates – the more you save,the more interest you could earn.Flexibility – make deposits andwithdrawals online, over the phoneor at any NatWest branch.Monthly interest – paid directly intoyour account.Conditional bonus – this is payablewith your monthly interest if you do notmake any withdrawals and maintaina minimum balance of £10,000 in youraccount during that month.Fast transfers – it’s quick and easyto move money between AdvantagePrivate Reserve and your otherNatWest accounts.No maximum balance – minimumbalance £10,000.To find out more or apply for anAdvantage Private Reserve AccountCall 0845 305 0600(Minicom 08456 00 05 12)or visit natwest.com/privateLines are open for you 24 hours a day, 7 days a week.

20More preferential offersFrom time to time, we will make PreferentialOffers available to Black Account customers.These could include:Mortgage and personal loan offers.Will writing service – with a discounton our usual fees.Personal tax service – enjoy a discounton the normal fee.Share dealing – access discounts oncommission for buying and selling UKand international shares.Car and home insurance – save moneyon your first year’s premium (car insuranceis subject to a minimum premium).YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTSON YOUR MORTGAGE

21Ways to manage your moneyWe make it easy to do your banking when and where you want, giving you thechoices you need to manage your money 24/7.Private telephone bankingAs a Black Account customer, you canmanage your money 24 hours a day usingour UK-based telephone banking service.The service lets you:speak to one of our trained staff atany time.get real-time balances and statements.carry out day-to-day transactions likepaying bills and managing payments.To find out more, call 0845 305 0600(Minicom 0845 900 5961) or visitnatwest.com/privateOnline bankingYou can manage your money round theclock using our secure online bankingservice. Simply log in at natwest.comand you can:manage your money 24 hours a day.view real-time balances and details oftransactions.pay bills, make and manage payments.All you need to register for online banking isyour account number, sort code and debitcard number. Visit natwest.com/online andclick on ‘sign up now’.Mobile bankingStay in touch with your finances even whenyou’re away from home or the office. Oursecure mobile banking service allows youmanage your money easily on the move:Receive limit alerts and balance updatesdirect to your mobile.Check statements while on the move.We offer mobile banking apps foriPhones, Blackberry devices andAndroid-based smartphones.To register or find out more, please visitnatwest.com/mobile

23Earn NatWest YourPointsYou’ll also earn 1.25 NatWest YourPointsfor every £1 you spend on qualifyingtransactions on your Private Black CreditCard. You can exchange the points you earnfor an inspired choice of rewards, including:Shopping vouchers – for top UK brandsincluding Harvey Nichols, M&S,amazon.co.uk and Boots.Travel and holidays – throughour travel partners, easyJet andebookers.com, you can choose fromover 100 airlines, 56,000 hotels andmany leading car hire companies.Great days out – use your points totreat yourself to anything from a luxuryspa break to a family day out, or a tripto the theatre.Quality wines – for wine lovers, there’salso the option to redeem points forsome excellent wine selections.To apply for the Private Black Credit CardPlease call 08000 15 16 17(Minicom 0845 900 5961)Already a Private BlackCredit Card holder?If you have any queries about making themost of your card, call 0845 300 8478(Minicom 0870 154 1192)Lines are open for you 24 hours a day, 7 days a week.Eligibility for the Private BlackCredit CardYou must earn at least £100,000 a yearor £150,000 joint annual income for ajoint account or have savings in excess of£50,000 in a NatWest account to qualify.You also need to be over 18 years old andyou will be subject to a credit review. Theminimum credit limit on this card is £5,000.To register for NatWest YourPointsvisit natwest.com/yourpoints

24Frequently asked questionsQ. Will I receive a new debit card?A: You will receive a new debit card and PINif you are new to NatWest . If you are anexisting customer who has upgraded youraccount to Black Account then you will notreceive a new debit card until your existingcard expires or we replace it.Q: I am new to NatWest and I’ve not yetreceived my Black Account debit card andPIN. What should I do?A: Please call us on 0845 305 0600(Customers with hearing and speechdifficulties can contact us byMinicom number 0845 900 5961)Q: I see that for some Black Accountbenefits, I need to register.How do I do this?A: You can register online atnatwest.com/ blackaccountbenefitsor call 0845 601 7188(Minicom 08456 00 05 12)Q: I want to switch all my current accountbanking to the Black Account.Can I do this?A: Yes. We have a dedicated switchingteam who will ensure this is done quicklyand with the minimum of fuss. To find outmore, visit natwest.com/easyswitch or call0800 200 400 (Minicom 0800 917 0526).Q: How do I register for online banking,telephone banking and mobilephone banking?A: The easiest way to do this is online atnatwest.com. If you have any questionsabout using any of these services, pleasedon’t hesitate to contact your PrivateBanking Team – they’ll be happy to help.Q: Why does the Black Account notinclude a cheque book?A: We don’t issue cheque booksautomatically as many customers prefer touse their debit cards. But we will be happyto send you a cheque book if you wish– please call 0845 305 0600(Minicom 0845 900 5961) to order one.

Page header25Helping you get the mostfrom your Black AccountWe’re here to help you get the mostvalue and enjoyment from the manybenefits offered by the Black Account.Q: I’m over 70. Am I still eligible forthe Annual 5-star Travel Insurance?A: Yes you are. The only thing we ask allcustomers (regardless of age) is that youlet us know if you have any pre-existingmedical conditions.Q: How can I find out aboutpreferential banking offers forBlack Account customers?A: For the latest available bankingdeals, please contact your PrivateBanking Manager.Q: How can I find out more aboutthe Black Account benefits?A: You can find out more atnatwest.com/blackaccountbenefitsor you can call 0845 601 7188(Minicom 08456 00 05 12). You’llalso find more information and policydocuments enclosed with the letter wepreviously sent you regarding youraccount changes.If you have any questions about using yourBlack Account or taking advantage of itsbenefits, please don’t hesitate to get in touchwith your Private Banking Manager or calla member of our Private Banking team on0845 30 50 600. If you have a hearingor speech impairment, please call us usingMinicom on 0845 900 5961. Calls maybe recorded.Alternatively, please visitnatwest.com/blackaccountbenefitsor call the Black Account MembershipServices on 0845 601 7188(Minicom 08456 00 05 12).

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