[PDF] Graduate Accounts Application Form - NatWest

Graduate AccountsCurrent AccountCredit Zone OverdraftApplication Form

A range of graduate finance options that could suit your needsNow that you’ve graduated, you’ll be looking forward to starting your career and planning for the future. Whatever your needswe may have a solution, from our Graduate Account package. All you have to do is fill in the accompanying application formand return to your local branch.Interest-free arranged overdrafts after you’ve graduatedSometimes it’s just not possible to make sure that there’s enough in your account when you have to pay money out.A NatWest Graduate Credit Zone Overdraft could be an ideal way to cover day-to-day expenses in an affordable way.Subject to availability.What’s on offer?• An interest-free arranged overdraft for three years after you graduate with the maximum interest-free elements as follows:– up to £2,000 in the first year after graduation– up to £1,000 in the second year after graduation, and– up to £500 in the third year after graduation• Please see the Personal and Private Banking – Terms and Conditions, Personal and Private Banking – A Guide to Feesand Interest and Our Commitment to you leaflets for information on the interest you will pay on any arranged overdraftsabove the interest free limit.To apply for an arranged overdraft, fill in the application form attachedA Graduate Credit Zone Overdraft is interest/fee free, up to the maximum amounts described above.Graduate Credit Zone OverdraftGraduate Overdrafts are repayable on demand and are only available to persons aged 18 or over, who are NatWestGraduate Account holders. In order to be eligible for overdrafts, you must maintain a NatWest Graduate Account or CurrentAccount into which your salary is paid. We will consider your application having regard to the way you operate yourNatWest Graduate or Current Account. We will decide in our discretion whether or not to offer you an overdraft and, if so,on what terms to offer them.

How to apply for a NatWest Graduate Current Account,Credit Zone OverdraftTo apply for any of these products, simply fill in the attached application form and take it to any NatWest branch.If you are a new customer, you will need one type of identification to apply for a Graduate Current Account. If you do nothave any of the items specified below, please speak to a member of staff.We can accept the following:• Current signed Passport• Non EU Nationals must provide a passport with a valid visa• Full Driving LicenceIt will also be necessary to confirm your current permanent address with the following.• An original gas electricity or phone bill (mobile phone bills are not accepted)• An original current council tax bill• An original bank or building society statement.These documents must be the most recent that you have received and must not be more than six months old.If you are an existing customer, you may need to provide evidence of your identification and address, please speakto a member of staff for further details.If you are applying for the NatWest Graduate Current Account you will also need to provide proof of graduation(e.g. graduation certificate).

Graduate AccountsApplication FormBefore completing this application form please read:• Students and Graduates; and• Current Accounts; and• Our Commitment to you; and• Personal and Private Banking – Terms and Conditions; and• Personal and Private Banking – A Guide to Fees and Interest.Please read these documents carefully as they contain all the information you need to be aware of before opening this account.If there is anything that you do not understand please ask for further information.If you do not have any of the above documents please contact any branch to obtain those you are missing.Please mark this box with a cross to confirm you have all of the above documents.Your informationFor details of how we and others will use your information and how to give your consent, please look for the padlocksymbol below and in the accompanying Terms and Conditions or contact your branch.Please complete this form in BLOCK CAPITALS and in black ink, mark the box with a cross where applicable and deleteas appropriate. Please do not write on or mark this form outside the boxes and lines provided as this could cause ourelectronic readers to misread your instructions. Applying is simple and should only take about 15 minutes.I would like to open an account at yourbranch(If left blank your account will be opened at your existing branch, or for new customers the branch nearest your home address)I would like to open a Sole account Joint accountI wish to apply for an account in joint names withNote: Any joint applicant must complete a separate application form and both must be attached together.You must use your Graduate Account as your main current account and any existing student or graduate banking facilities thatyou have must be transferred to us.1. Type of accountI would like to apply forGraduate Current AccountIt is a condition of the account that NatWest is your main bank and all existing student/graduate banking be transferred tous. Salary must also be paid direct to the Graduate Current Account. You must use your Graduate Account as your maincurrent account and any existing student or graduate banking facilities that you have must be transferred to us.NWB45054 (01/02/2011)Page 1 of 12 02450541

2. Customer detailsAre you an existing NatWest customer? Yes NoIf ‘Yes’, please provide Account number Sort codeTitle Mr Mrs Miss Ms OtherFirst name(please specify)Middle name(s)SurnameAddress line 1Address line 2Address line 3Address line 4 ORoverseas countryPostcodeIs this property a flat? Yes NoDate of entry to this address(e.g. 01JUN2005)If you have lived at your current address for less than 3 years, please provide previous addressPrevious address line 1Previous address line 2Previous address line 3Previous address line 4 ORoverseas countryPostcodeIs this property a flat? Yes NoDate of entry to this addressNationalityPleaseCountry of residence Great Britain OR Other specifyIf ‘Other’, please also provideCountry of birthPlace of birth (town/city)NWB45054 (01/02/2011)Page 2 of 12

Residential status Home owner Renting Living with parents OtherHome telephone numberWork telephone numberMobile numberEmail addressRelationship status Single Living with partner Married/In a civil partnershipDate of birth(e.g. 29JAN1970)Number of dependantsMemorable wordWidowed/Surviving civil partnerDivorced/Separated/DissolvedPlease choose a memorable word of no morethan 15 characters. This may beused to confirm certain transactions.2.1 Education detailsUniversity/College attendedFacultySubject studiedQualification achievedDate course startedM M M Y Y Y YDate of graduationM M M Y Y Y Y2.2 Employment detailsOccupationEmployer’s name(if applicable)Employed Self-employed Unemployed Homemaker RetiredEmployer’s address line 1Employer’s address line 2Employer’s address line 3Employer’s address line 4 ORoverseas countryPostcodeNWB45054 (01/02/2011)Page 3 of 12

Date employment commenced(date established if self-employed)Net monthly income £How often are you paid? Monthly Fortnightly Weekly OtherHow are you paid? Cash Cheque Direct to NatWest Direct to other bankIf your salary is not already credited to an account with NatWest please enclose your original payslips or other evidenceof income for the previous 3 months. These will be returned.2.3 Current banking detailsPlease give details of your main bank (where you hold your current or savings account) if not NatWestMain bankAccount numberSort codeApproximate dateaccount openedType of account Current OR SavingsDo you have a Cheque card? Payment/Debit card?If you are not an existing customer, please enclose your previous 3 months’ account statements. These will be returned.How many credit cardsdo you have?Total outstanding balance of all credit cards £Please give details of your main credit card. This is the one with the greatest balance.Type of card (e.g. MasterCard/Visa/Storecard)IssuerName of account/cardholderM M M Y Y Y YCredit limit £ Balance £Approximate dateaccount openedM M M Y Y Y YNWB45054 (01/02/2011)Page 4 of 12

2.4 Graduate Credit Zone Overdraft applicants onlyPlease complete this section if you are applying for any of the above.Do you hold any other bank or building society accounts? Yes NoIf ‘Yes’, please provide details belowBankAccount numberSort codeType of account Current Savings Loan MortgageDo you have a Cheque card? Payment/Debit card?Approximate dateaccount openedM M M Y Y Y YBuilding SocietyAccount numberSort codeType of account Current Savings Loan MortgageDo you have a Cheque card? Payment/Debit card?Approximate dateaccount openedM M M Y Y Y Y2.5 Other credit card(s) heldType of card (e.g. MasterCard/Visa/Storecard)IssuerName of account/cardholderCredit limit £ Balance £Approximate dateaccount openedM M M Y Y Y YType of card (e.g. MasterCard/Visa/Storecard)IssuerName of account/cardholderCredit limit £ Balance £Approximate dateaccount openedM M M Y Y Y YType of card (e.g. MasterCard/Visa/Storecard)IssuerNWB45054 (01/02/2011)Page 5 of 12

Name of account/cardholderCredit limit £ Balance £Approximate dateaccount openedM M M Y Y Y Y2.6 Financial statusHave you ever been insolvent, bankrupt, sequestrated, involved in anycourt proceedings for debt or made arrangements with your creditors? Yes NoIf ‘Yes’, please provide details on an attached sheet.3. Graduate Current Account applicants onlyThis section allows you to request certain features for your new account. You can make changes at a later date if you needto do so.Card detailsDo you wish to receive a debit card for use on this account? Yes NoIf you would like your card to show a description of the account to which it relates e.g. ‘Current account’, please enter thedetails you would like to appear on your cardTelephone (Actionline) and Internet BankingPlease provide me with information onInternet banking (NatWest OnLine Banking) OR Telephone banking (Actionline)4. Income and commitmentsCommitmentsIncome Per month per monthNet income from employer £ Mortgage/Rent £Any other income £ Council tax £Total income £ NatWest loan repayments £Is this job pensionable? Yes No Non NatWest loan repayments £(e.g. student loan)Other regular payments £Total commitments £Note: If your salary is not already credited to an account with NatWest, please enclose your last 3 months’ payslips or otherevidence of income. These will be returned.NWB45054 (01/02/2011)Page 6 of 12

5. Assets and liabilitiesProperty details Main residence Other propertyDate purchasedPurchase price £ £Borrowing outstanding £ £Estimated present value £ £Property owned Solely Jointly Solely JointlyLender – main residenceLender – other property6. Other assets and liabilitiesAssetsLiabilitiesNatWest savings £ NatWest loan(s) £Non NatWest savings £ Non NatWest loan(s) £(e.g. student loan)Car(s) £ Guarantee obligations £Investments £Life assurance £Shares £Other(please specify in box below)£Other(please specify in box below) £Total assets £ Total liabilities £Details of other assets and liabilitiesNWB45054 (01/02/2011)Page 7 of 12

7. Credit reference agenciesWe may obtain information about you from credit reference agencies and Group records to check your credit status andidentity.The agencies will record our enquiries which may be seen by other companies who make their own creditenquiries. This may affect your ability to obtain credit elsewhere in the near future. We may use credit scoring.Your application will be assessed using credit reference agency records relating to anyone with whom you have a jointaccount or similar financial association. If this is a joint application and such a link does not already exist then one may becreated now. These links will remain until you file a “notice of disassociation” at the credit reference agencies.8. Fraud prevention agenciesIf false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraudprevention agencies.We may also obtain information about you from fraud prevention agencies.9. Keeping you informedWe would like to keep you informed by letter and by phone about products, services and additio nal benefits that we believemay be of interest to you. If you don’t want us to do this, please place a cross in this boxWe would also like to keep you informed via the e-mail address or mobile number you may have provided earlier in this form.May we keep you informed by e-mail? Yes NoMay we keep you informed by mobile messaging? Yes NoNotwithstanding your choices above we shall keep you informed of preferential offers that are directly associatedwith this account.10. Giving your consentBy signing this application you are agreeing that we may use your information in the way described in this form (includingthe ‘Keeping you informed’ section) and in the associated Terms and Conditions.Please read the following section carefully before selecting your preference.11. Joint Account Overdraft requestsWhen we receive a request for an overdraft which will be regulated by the Consumer Credit Act, we require to provide someinformation about the overdraft before the facility is agreed. We refer to this information as pre-contract information, or PCI.This means that, for joint accounts, if one account holder telephones, or goes online, or attends at a branch to request anoverdraft, we will be unable to grant the request until we have provided PCI to the other account holder(s).However, the Consumer Credit Act permits joint current account holders to give consent to Overdraft PCI being provided toonly one party to the account. This is consistent with how an ‘either or any one to sign’ joint account mandate operates,allowing any joint account holder to authorise their bank to accept an overdraft request without contacting the otheraccount holder(s).What happens if you give consent to PCI being given to only one party to the account?The overdraft will normally be available to use immediately after the single PCI is provided and we confirm our agreementto provide the facility.• There may be exceptions when we attach conditions, which have to be satisfied before you can use the overdraft.• We will send both/all of you a copy of the Confirmation letter/Facility agreement setting out the terms and conditionsthat apply to the agreed overdraft. This will be issued after the overdraft is agreed.What happens if you want PCI to be given to all parties to the account?We will have to provide PCI to all account holders before the overdraft is agreed. If both/all of you present yourselvesat the branch to request the overdraft we will be able to provide PCI to everyone at the same time and process therequest immediately.NWB45054 (01/02/2011)Page 8 of 12

However, if any party to the account cannot be present along with the other(s) when the request is made:• We will not be able to confirm that the overdraft request has been granted at the time the request is made.• We will not be able to make funds available immediately we decide to meet the request.• We must send PCI to the account holder(s) not present at the time of the request.• We must allow the recipient(s) time to read the PCI we send to them and then to let us know if they are happy for theoverdraft to be granted. To this end we will require them to sign and return to us an overdraft application form so we canbe certain they wish the overdraft to proceed. The present account holder will also require to sign the application form.Therefore, if you decide that PCI is to be provided to all account holders, there will be a delay to making the overdraftavailable. The delay could be a number of days and if you are looking for the overdraft to be made available urgently we willbe prevented from helping you as we will be forced first to provide PCI to all of you.What do we need to do if both/all of us are happy for only one of us to receive PCI?Delete Section B in the Declaration section of this Application form (declining the opportunity for only one of you to beprovided with pre-contract information) before signing.What do we need to do if all parties to the account are to receive PCI?Delete the Section A (consent) in the Declaration section of this Application form (cross out the boxed text by two diagonalpen strokes) before signing.12. Declaration and signature(s)1. We hold a copy of Personal and Private Banking – Terms and Conditions and Personal Banking – Charges andRates of Interest. We accept that upon signing this application, we will become bound by the terms contained in thosedocuments and in the other documents whose receipt we have acknowledged.2. We declare that the details provided are correct and agree to notify you of any changes.3. We apply for a debit card with cheque guarantee facility (not available to Key/Cash Account customers). If a debit cardwith cheque guarantee facility cannot be issued to us, we apply for a debit card without cheque guarantee facility andrequest and authorise you at any time at your discretion to issue a debit card with cheque guarantee facility to us.We understand that debit cards with cheque guarantee facility are only available to applicants aged 18 years or over.We accept that upon signing this application we will become bound by Section C of the General Conditions inPersonal and Private Banking – Terms and Conditions.4. We understand that you may at any time at your discretion, on giving written notice to us, amend the limit on anyarranged overdraft (and that overdrafts are only available to applicants aged 18 years or over). Arranged overdrafts arenot available to Key/Cash Account customers.For accounts in joint names only –1. Statement of AccountWe request and authorise you not to comply with the requirement of the Consumer Credit Act 1974 to provide separateperiodical statements of account (delete this clause if you require separate statements).2. Pre-Contract Information on Arranged Overdraft requests –Section A (consent)We have read the section of this application form titled ‘Joint Account Overdraft requests’ and we consent to you,when dealing with overdraft requests on our joint account(s) with you, to provide pre-contract information for thepurposes of the Consumer Credit Act 1974 to only one of us and not to all of us.We understand that by giving this consent you will be permitted to agree overdrafts after providing pre-contractinformation about the overdraft to only one of us.• Please delete section B (declining the opportunity for only one of you to be provided with pre-contract information) if both/allof you are giving the Section A consent above when each of you sign below.NWB45054 (01/02/2011)Page 9 of 12

Section BYou are to provide each of us with pre-contract information for the purposes of the Consumer Credit Act 1974 when dealingwith overdraft requests on our joint account(s) with you.•Please delete section A (consent) set out above (cross out the boxed text by two diagonal pen strokes) if each of you areto be given pre-contract information when we deal with overdraft requests on your joint account(s).Your right to cancelYou have a period of 14 days within which to cancel your account. The cancellation period begins on the later of thefollowing two dates;a) the date your account is opened; orb) the first date on which you have received a copy of each of the following:Personal and Private Banking – Terms and Conditions; andPersonal Banking – Charges and Rates of Interest; and• Any other documents containing contractual terms relating to your account.Customer signature(s)Main applicantJoint applicantDatePlease ensure that your signature is inside the box, as it will be sorted electronically and may be used forverification purposes.DateNWB45054 (01/02/2011)Page 10 of 12National Westminster Bank Plc. Registered in England No. 929027.Registered Office: 135 Bishopsgate, London EC2M 3UR.

Branch, Private Banking Manager or CSC use onlyGraduate Current AccountAccount number allocatedSort codeApplication reference numberDetails of ID obtainedExisting CINJoint applicant’s CINIs the ‘R’ or ‘V’ marker present? Yes No If ‘No’, undertake KYC processFor joint applications, if both are required to sign, joint account mandate attachedApplicant has changed address and Change of address form sent to CSC Yes N/ACheque guarantee limit £100 £250Card to be posted to customer OR Card to be sent to branchCard authorised byStaff signatureStaff nameLocationDateContact numberAccount type 1 7 Reason for application CRIPurpose of overdraft if not AS Days items RTD SCIOutlet codeSource of introduction Sales code Purpose of account code7 6 5B of E Industrial code B of E Institutional code Responsibility codeOverseas residentCourse codeBRT liability Yes No NORAccount sanctionerLead codeSeller codePortfolio codeNWB45054 (01/02/2011)Page 11 of 12National Westminster Bank Plc. Registered in England No. 929027.Registered Office: 135 Bishopsgate, London EC2M 3UR.

If you would like this information in Braille, large print and audio tapes call 0800 015 4212 and select option 1 (Minicom 0800 917 0527).National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3URRegistered number: 929027, EnglandNWB45054 (01/02/2011)