28. Copies of our most recent audited accounts are available for inspection on request.
29.RBS International is a participant in the Guernsey Banking Deposit Compensation Scheme. The scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Details are available from: Website: www.dcs.gg. Telephone: +44 (0)1481 722756. Post: P.O. Box 380, St Peter Port, GY1 3FY. Deposits made in a Guernsey Branch will not be covered by any equivalent scheme in any jurisdiction outside of the Bailiwick of Guernsey. Further details of the scheme are available on request.
30. RBS International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the Government of Jersey website www.gov.je/dcs or on request.
31. RBS International is a member of the Isle of Man Depositors' Compensation Scheme (DCS) as set out in the Depositors' Compensation Scheme Regulations 2010. To understand your eligibility under the scheme you may wish to visit https://www.iomfsa.im/consumer-material/isle-of-man-depositors-compensation-scheme-dcs/.
32. RBS International is a member of the UK Financial Services Compensation Scheme (FSCS) as set out in the Financial Services Compensation Scheme Regulations 2015. For further information about the compensation provided by the FSCS, please refer to the FSCS website at www.fscs.org.uk.
33. Not all accounts will be covered by these schemes, further details of these schemes are available on request.
34. As at 31 December 2019, RBS International’s paid-up capital and reserves exceeded £1,581.2 million. UK resident depositors may be subject to declaration and taxation of resulting income.
35. RBS International is a member of NatWest Group. NatWest Group plc - Registered in Scotland No 45551. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB. The latest report and accounts are available at www.investors.natwestgroup.com.
36. RBS International places funds with other parts of NatWest Group and thus its financial standing is linked to the Group. Depositors may wish to form their own view on the financial standing of RBS International and the Group based on publicly available information. The latest report and accounts are available at www.rbsinternational.com/financial-results.
37. AER stands for Annual Equivalent Rate and illustrates the interest rates as if paid and compounded each year.
38. With currency accounts there is an exchange rate risk if the currency is not the depositor's reference currency.
39. Fixed deposit accounts may not be suitable if you require easy access to your funds or an income.
40. The use of the word "Guaranteed" in relation to this product refers only to the ordinary contractual obligation of the bank to repay your capital in full upon maturity. Our products are not guaranteed by any other party and your rights to repayment upon liquidation of the bank are the same as for any other unsecured depositor of the Bank.
41. Please bear in mind that inflation may have reduced the purchasing power of your deposit by the time it has matured.
42. Past performance is not necessarily a guide to future performance.
43. The value of deposits and any income from them can fall as well as rise.
44. Graphs and figures are used for illustrative and information purposes only and are not based on past or projected performance. They in no way represent projections of the anticipated or expected performance of relevant products.