Common use of INSTRUCTIONS FROM YOU Clause in Contracts

INSTRUCTIONS FROM YOU. 15.1 You can use different methods to send us Instructions, as set out in paragraph 12 (Communication between us). Because you can do so via telephone and (where we inform you that you can) email, we may take certain steps to check these Instructions with you. 15.2 You must ensure you take all reasonable steps to keep your Security Details secure or secret, to prevent unauthorised use of them, and to carry out regular virus checks and security updates on any computer or telephone equipment you use to contact us. 15.3 Please contact us without undue delay if you think someone has your Security Details, if you suspect someone is impersonating you, or if you have lost your Security Details or they have been stolen. You may contact your Client Advisor or any member of our staff. 15.4 We may accept and act upon any Instructions purporting to come from you and which we believe to be genuine and which are given to us in a form of communication set out in paragraph 12 (Communications between us). For payment Instructions, we will assume you have agreed to us acting on your Instruction once we are satisfied of these matters or after your Confirmation under paragraph 15.6. 15.5 We may call you back to confirm any Instructions given by telephone or email (where we have told you that we will accept emails from you). If we do so you must confirm the communication in order for it to be valid. 15.6 Where you provide Instructions to enter into a Transaction by telephone or (where applicable) email: (A) if we have called you back to obtain Confirmation of your Instruction, your Instruction will be treated as having only been received by us when you have confirmed the Instruction; and (B) you agree that you will bear any Loss in the event that the Instruction is given by a person or persons purporting to be you and we shall not be liable for any Loss in these circumstances. 15.7 You may not withdraw any Instruction after the time when it has actually been received by us without our consent. However this does not affect your rights to revoke Instructions for payments from your Account, which are set out in paragraph 15 (Revoking Instructions for payments). 15.8 We may decline any Instruction to enter into a Transaction, without providing any reason or being liable for any Loss you suffer or incur resulting from that decision. We will endeavour to notify you if we refuse any such Instructions. However, for the avoidance of doubt, this does not affect the terms applying to our refusal of your payment Instructions, which are set out in paragraph 17 of Part 2, Section 1 (Refusal of Instructions). 15.9 In the event that you have completed the relevant section of the Account Opening Form relating to third party instructions, you authorise us to accept instructions from the person or persons nominated by you in the Account Opening Form without needing to contact you.

INSTRUCTIONS FROM YOU. 15.1 You can use different methods to send us Instructions, as set out in paragraph 12 (Communication between us). Because you can do so via telephone and (where you have elected to do so and, subject to Applicable Law, we inform you that you can) email, we may take certain steps to check these Instructions with you. We will send Security Details for the purposes of accessing your Accounts from time to time and to authenticate your payments Instructions. When we send these to you it is at your own risk. 15.2 We will maintain adequate security measures to protect the confidentiality and integrity of your Security Details but we are not solely responsible for protecting these. You must ensure you take all reasonable steps to keep your Security Details secure or secret, to prevent unauthorised use of them, and to carry out regular virus checks and security updates on any computer or telephone equipment you use to contact us. This applies when we give the Security Details and throughout our relationship for services under this Section 2. 15.3 Please contact us without undue delay if you think someone has your Security Details, if you suspect someone is impersonating you, you have not received replacement Security Details or if you have lost your Security Details or believe they may have been stolen. You may contact your Client Advisor Relationship Manager or any member of our staff. 15.4 We will, (on your written request made within 18 months of the notification in 15.3) provide you with confirmation of that notification. 15.5 We may accept and act upon any Instructions purporting to come from you and which we believe to be genuine and which are given to us in a form of communication set out in paragraph 12 (Communications between us). For payment Instructions, we will assume you have agreed to us acting on your Instruction once we are satisfied of these matters or after your Confirmation under paragraph 15.6. 15.5 15.6 We may call you back to confirm any Instructions given by telephone or email (where we have told you that we will accept emails from you). If we do so you must confirm the communication in order for it to be valid. 15.6 15.7 Where you provide Instructions to enter into a Transaction by telephone or (where applicable) email: (A) if we have called you back to obtain Confirmation of your Instruction, your Instruction will be treated as having only been received by us when you have confirmed the Instruction; and (B) you agree that you will bear any Loss in the event that the Instruction is given by a person or persons purporting to be you and we shall not be liable for any Loss in these circumstances. 15.7 15.8 You may not withdraw any Instruction after the time when it has actually been received by us without our consent. However this does not affect your rights to revoke Instructions for payments from your Account, which are set out in paragraph 15 13 of Part 2, Section 1 (Revoking Instructions for payments). 15.8 15.9 We may decline any Instruction to enter into a Transaction, without providing any reason or being liable for any Loss you suffer or incur resulting from that decision. We will endeavour to notify you if we refuse any such Instructions. However, for the avoidance of doubt, this does not affect the terms applying to our refusal of your payment Instructions, which are set out in paragraph 17 15 of Part 2, Section 1 (Refusal of Instructions). 15.9 15.10 In the event that you have completed the relevant section of the Account Opening Form relating to third party instructions, you authorise us to accept instructions from the person or persons nominated by you in the Account Opening Form without needing to contact you.

INSTRUCTIONS FROM YOU. 15.1 You can use different methods to send us Instructions, as set out in paragraph 12 (Communication between us). Because you can do so via telephone and (where we inform you that you can) email, we may take certain steps to check these Instructions with you. We will send Security Details for the purposes of accessing your Accounts from time to time and to authenticate your payments Instructions. When we send these to you it is at your own risk. 15.2 We will maintain adequate security measures to protect the confidentiality and integrity of your Security Details but we are not solely responsible for protecting these. You must ensure you take all reasonable steps to keep your Security Details secure or secret, to prevent unauthorised use of them, and to carry out regular virus checks and security updates on any computer or telephone equipment you use to contact us. This applies when we give the Security Details and throughout our relationship for services under this Section 2. 15.3 Please contact us without undue delay if you think someone has your Security Details, if you suspect someone is impersonating you, you have not received replacement Security Details or if you have lost your Security Details or believe they may have been stolen. You may contact your Client Advisor or any member of our staff. 15.4 We will, (on your written request made within 18 months of the notification in 15.3) provide you with confirmation of that notification. 15.5 We may accept and act upon any Instructions purporting to come from you and which we believe to be genuine and which are given to us in a form of communication set out in paragraph 12 (Communications between us). For payment Instructions, we will assume you have agreed to us acting on your Instruction once we are satisfied of these matters or after your Confirmation under paragraph 15.6. 15.5 15.6 We may call you back to confirm any Instructions given by telephone or email (where we have told you that we will accept emails from you). If we do so you must confirm the communication in order for it to be valid. 15.6 15.7 Where you provide Instructions to enter into a Transaction by telephone or (where applicable) email: (A) if we have called you back to obtain Confirmation of your Instruction, your Instruction will be treated as having only been received by us when you have confirmed the Instruction; and (B) you agree that you will bear any Loss in the event that the Instruction is given by a person or persons purporting to be you and we shall not be liable for any Loss in these circumstances. 15.7 15.8 You may not withdraw any Instruction after the time when it has actually been received by us without our consent. However this does not affect your rights to revoke Instructions for payments from your Account, which are set out in paragraph 15 (Revoking Instructions for payments). 15.8 15.9 We may decline any Instruction to enter into a Transaction, without providing any reason or being liable for any Loss you suffer or incur resulting from that decision. We will endeavour to notify you if we refuse any such Instructions. However, for the avoidance of doubt, this does not affect the terms applying to our refusal of your payment Instructions, which are set out in paragraph 17 of Part 2, Section 1 (Refusal of Instructions). 15.9 15.10 In the event that you have completed the relevant section of the Account Opening Form relating to third party instructions, you authorise us to accept instructions from the person or persons nominated by you in the Account Opening Form without needing to contact you.