Common use of COMMUNICATION BETWEEN YOU AND US Clause in Contracts

COMMUNICATION BETWEEN YOU AND US. 2.1 We may contact each other by post, telephone, computer (and subject to condition 12) which includes internet/email, digital television and any other electronic means and/or message made by any type of electronic device including but not limited to mobile/cellular communications or by any other method we agree. If we post a letter to you in the United Kingdom (the UK) it will be considered to be received 24 hours later if sent by first class post, 72 hours later if sent by second class post. Email will be considered to be received once it is transmitted from our system. Your HiSAVE Fixed Rate Account may be accessed through the internet via ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇ or such other internet link as we may from time to time advise you. If we communicate with you through post, we will use your residential address on our records as your communication address. 2.2 For any queries on how to open a HiSAVE Fixed Rate Account you can visit the FAQs section on our website ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇. Alternatively, you can email us at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ or contact our Customer Service Centre at 08081 31 41 51(freephone from UK landline). 2.3 After your HiSAVE Fixed Rate Account has been opened, you can communicate with us by sending us e-mails through the logged in section of your HiSAVE Fixed Rate Account via the website. This is a secured and an authorised mode of communication between you and us. 2.4 If there are technical problems in logging into your HiSAVE Fixed Rate Account or if you cannot access your HiSAVE Fixed Rate Account for any reason you can contact our Customer Service Centre for assistance or send us an email at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇. 2.5 If you want to prevent others from reading email or text or electronic messages we send you, you must set up your own protection system such as a password on your system whether it is at home or at work. You understand that we may not be able to prevent messages being monitored at your work. 2.6 When you telephone our Customer Service Centre or contact us through the website, we will use your account details and security details provided by you when you opened your HiSAVE Fixed Rate Account. This is done for your own security and you will not be able to operate your HiSAVE Fixed Rate Account without them. We recommend that you use a touch tone phone while calling our Customer Service Centre. 2.7 If you have forgotten your password, you must call the Customer Service Centre where one of our customer service executives will ask you security questions to ascertain your identity for regeneration of your password. You can also visit our website go to the login page, click on the ‘Forgot password’ link, fill the form and submit it. If you have placed a request for a new password and are waiting for it to arrive, please do not use your old password as this will block the new password as well. 2.8 We shall send you the password for you to use along with your HiSAVE Fixed Rate Account User ID, through post at your registered communication address with us. Please note that we cannot send it to any other address. You must inform us of any changes to your address before you place a request for a new password. You can update your address by placing an online request through the 'Service Request' option on your HiSAVE Fixed Rate Account logon screen or by calling our Customer Service Centre. 2.9 You must have a touch-tone phone to access our Customer Service Center. You will otherwise have to give instructions or get information about your account using our website (▇▇▇.▇▇▇▇▇▇.▇▇.▇▇). Also, if you forget your User ID and/or your password, you will not be able to operate your account online. 2.10 We shall contact you by phone, email or write to your registered address. You must update your details regularly and inform us of any changes to your details or any other changes which may be relevant to your account. You will be responsible for any loss or damage that may occur as a result of not keeping updated details with us. We may conduct periodic electronic checks or seek electronic/written confirmation from you about the details we hold of you on your account and may ask you to provide us with documentary proof, in case you do not clear these checks/confirmations We are required to send you information at your registered address (postal and email). We are not responsible for any loss, damage or consequential losses, if you do not inform us promptly of a change in your details and address which may be relevant to your account. In case of a joint account, unless you advise us otherwise, we will contact only the first account holder subject to any legal and regulatory requirements. The first named account holder is responsible for passing information we send to other joint account holders.

COMMUNICATION BETWEEN YOU AND US. 2.1 We may contact each other by post, telephone, telephone and computer (and subject to condition clause 12) which includes internet/emailelectronic mail, digital television and any other electronic means and/or message made by any type of electronic device including but not limited to mobile/cellular communications or by any other method we agree. Electronic mail will be considered to be received once it is transmitted from our system. Your HiSAVE Savings Account may be accessed through the internet via ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇ (the "website") or such other internet link as we may from time to time advise you. 2.1.1 We may also occasionally contact you by post. If we communicate with you through post, we will use your communication address on our records as your communication address. If we post a letter to you in the United Kingdom (the UK) it will be considered to be received 24 hours later if sent by first class post, 72 hours later if sent by second class post. Email will be considered to be received once it is transmitted from our system. Your However, since the HiSAVE Fixed Rate Account may be accessed through the internet via ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇ or such other internet link as we may from time to time advise you. If we communicate with you through postis an online account, we will use your residential address on our records as your communication addressnot be able to accept any requests that are sent to us by post, except for the circumstances mentioned in Clause 22 and Clause 23. 2.2 For any queries on how to open a HiSAVE Fixed Rate Account you can visit the FAQs section on our website ▇▇▇.▇▇▇▇▇▇.▇▇.▇▇. Alternatively, you can email us at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇ or contact our Customer Service Centre at 08081 31 41 51(freephone from UK landline). 2.3 After your HiSAVE Fixed Rate Account has been opened, you can communicate with us by sending us e-mails through the logged in section of your HiSAVE Fixed Rate Account via the website. This is a secured and an authorised mode of communication between you and us. 2.4 If there are technical problems in logging into your HiSAVE Fixed Rate Account or if you cannot access your HiSAVE Fixed Rate Account for any reason you can contact our Customer Service Centre for assistance or send us an email at ▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇.▇▇▇. 2.5 If you want to prevent others from reading email or text or electronic messages we send you, you must set up your own protection system such as a password on your system whether it is at home or at work. You understand that we may not be able to prevent messages being monitored at your work. 2.6 When you telephone our Customer Service Centre or contact us through the website, we will use your account details and security details provided by you when you opened your HiSAVE Fixed Rate Account. This is done for your own security and you will not be able to operate your HiSAVE Fixed Rate Account without them. We recommend that you use a touch tone phone while calling our Customer Service Centre. 2.7 If you have forgotten your password, you must call the Customer Service Centre where one of our customer service executives will ask you security questions to ascertain your identity for regeneration of your password. You can also visit our website go to the login page, click on the ‘Forgot password’ link, fill the form and submit it. If you have placed a request for a new password and are waiting for it to arrive, please do not use your old password as this will block the new password as well. 2.8 We shall send you the password for you to use along with your HiSAVE Fixed Rate Account User ID, through post at your registered communication address with us. Please note that we cannot send it to any other address. You must inform us of any changes to your address before you place a request for a new password. You can update your address by placing an online request through the 'Service Request' option on your HiSAVE Fixed Rate Account logon screen or by calling our Customer Service Centre. 2.9 You must have a touch-tone phone to access our Customer Service Center. You will otherwise have to give instructions or get information about your account using our website (▇▇▇.▇▇▇▇▇▇.▇▇.▇▇). Also, if you forget your User ID and/or your password, you will not be able to operate your account online. 2.10 We shall contact you by phone, email or write to your registered address. You must update your details regularly and inform us of any changes to your details or any other changes which may be relevant to your account. You will be responsible for any loss or damage that may occur as a result of not keeping updated details with us. We may conduct periodic electronic checks or seek electronic/written confirmation from you about the details we hold of you on your account and may ask you to provide us with documentary proof, in case you do not clear these checks/confirmations We are required to send you information at your registered address (postal and email). We are not responsible for any loss, damage or consequential losses, if you do not inform us promptly of a change in your details and address which may be relevant to your account. In case of a joint account, unless you advise us otherwise, we will contact only the first account holder subject to any legal and regulatory requirements. The first named account holder is responsible for passing information we send to other joint account holders.