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Important information
It’s important to know
• We are Authorised and Regulated by the Financial Services Authority except for lending, for which we’re licensed by
the Office of Fair Trading. The Financial Services Authority is there to protect customers’ interests. We are listed in
the FSA’s register with register number 169628. Your bank account and all its insurance-related benefits (apart from
AA Breakdown Cover) are covered by the Financial Services Compensation Scheme.
• We also subscribe to The Lending Code. Details can be obtained from www.lendingstandardsboard.org.uk
• We’re not providing advice or recommending that these insurance policies are suitable for you. You should review
your present cover against these policies to ensure you have the cover you need. There is no fee for this service.
• The insurance products outlined in this booklet are underwritten by Acromas Insurance Company Limited
(Accident Management), Inter Partner Assistance (home emergency cover), Great Lakes Reinsurance (UK) PLC
(worldwide travel insurance), London General Insurance Company Limited (mobile phone insurance) and Allianz
Insurance plc (card protection).
• You should review any similar insurance products you have, including any held with us, to make sure you are not
paying for the same cover twice. There is a summary table on page 91 which shows the key differences in the cover
provided by us.
• If you open a joint account with another person, either of you can withdraw all or part of the balance, write
cheques, apply for an overdraft or close the account without the other person’s permission. Both people are
responsible for any debts – such as the overdraft – and fees and charges on the account. This means we can choose
to claim the money from either person. If you decide you no longer want the joint account or want to take one
person off the account, you can request this in branch.
• If you move to live outside the UK, Channel Islands or the Isle of Man, your insurance benefits are invalid.
Important information about compensation arrangements
We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors
if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses
– are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint
accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two
eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000).
The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank including their
share of any joint account, and not to each separate account.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your
local branch, refer to the FSCS website www.FSCS.org.uk or call 020 7741 4100 or 0800 678 1100. Deposits with
us are held with Bank of Scotland plc. Accounts with Bank of Scotland plc include accounts with its divisions and
trading names: Halifax, Intelligent Finance (IF), Birmingham Midshires (BM Savings), Bank of Scotland, Bank of Scotland
Private Banking, Bank of Scotland Germany, Bank of Scotland The Netherlands, Bank of Scotland Treasury, Lloyds
Bank Corporate Markets, Lloyds TSB Corporate Markets, St James’s Place Bank and St James’s Place Private Bank. Some
savings accounts under the AA Savings, Saga and Charities Aid Foundation brand names are also deposits with
Bank of Scotland plc. An eligible depositor’s £85,000 limit relates to the combined amount in accounts under all
of these names.
If you are unsure whether your account is held with Bank of Scotland plc, please check your account literature.
Our bank accounts
At Halifax, we know that people’s personal circumstances change, which is why we offer a range of bank accounts
to suit all kinds of needs. So if at any stage you’d like to review your options, just let us know. Visit any branch,
call 08457 20 30 40 or go to www.halifax.co.uk to find out more.