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BrokerLine is provided by NatWest Stockbrokers Limited, which is operated by a joint venture between National Westminster Bank Plc and The Toronto-Dominion Bank.

Terms and Conditions of Use of the BrokerLine Internet Web Site

This website is owned by NatWest Stockbrokers Limited and is maintained by TD Direct Investing. The use of this website is subject to the following terms and conditions. By using this website you agree to be legally bound by these terms and conditions, which you should read carefully. If you do not accept these terms and conditions, please do not use this website.

Use of Website

1 The information, services and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.

2 This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. You will be referred on certain site pages to read "Legal information". This important legal information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

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Exclusion of liability

3 While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or othewise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

4 Access to and use of the website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

5 Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.

6 This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We cannot be liable for any loss or damage which may arise from the use of such third party websites.

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Personal data

7 By agreeing to be bound by these terms and conditions, you are consenting to us collecting and storing certain personal data about you. The terms and conditions for each product or service that you enter into describe further how Your Information may be used. This data will be used to provide the service applied for and may be stored by The Royal Bank of Scotland Group to keep you informed of products and services which may be of interest to you. This data will not be used other than in the normal course of business. If you do not wish to receive such information, all you need to do is write to let us know. If you wish to receive details of personal data held about you by us, you may write to request this - there is a fee for this service. To assist your navigation of this website and our prevention of fraud we may send "cookies" from this website to your computer. We do not obtain personal data from your computer or gather personal information about you unless you personally give information to our server. Furthermore, computer viruses are not passed through the use of "cookies". You may choose to disallow "cookies" via your browser but this website may not work properly as a result. Please also see the Privacy Policy for this website.

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Copyright

8 ™ NatWest Stockbrokers Limited. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.

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Trade marks

9 This website contains numerous trade marks belonging to National Westminster Bank Plc and other companies in The Royal Bank of Scotland Group. The registered trademarks include, but are not limited to, the National Westminster Bank logo. The unregistered trademarks include graphics, logos, words, phrases and icons contained in the website, including but limited to, Advantage Premier. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of National Westminster Bank Plc or a member of The Royal Bank of Scotland Group, please contact us for clarification at the address below.

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Advice

10 The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

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Regulatory Information

11 NatWest Stockbrokers Limited is a member of the London Stock Exchange and PLUS and is authorised and regulated by the Financial Services Authority. NatWest Stockbrokers Limited is entered in the Financial Services Authority Register under Firm Reference Number 124395. The Financial Services Authority Register can be accessed at www.fsa.gov.uk/Pages/register TD Direct Investing (Europe) Limited (a subsidiary of The Toronto-Dominion Bank), is authorised and regulated by the Financial Services Authority and is a member of the London Stock Exchange and PLUS.

12 NatWest Stockbrokers is a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim.  Investments - maximum £50,000 per person, i.e. 100% of first £50,000.  Most retail consumers (this includes private individuals and some small businesses) are eligible under the Scheme. For further information on the conditions governing compensation and details on how to apply please refer to the FSCS at www.fscs.org.uk

13 If you are not satisfied with any of National Westminster Bank's products or services we have a compliant handling procedure that you can use to resolve such matters. The Bank is a member of The Financial Ombudsman Service. If you are still not satisfied after following the Bank's procedures, you can ask the Ombudsman to review the compliant. You can find out more about The Financial Ombudsman Service in a leaflet available from any branch or by telephoning the Bank. Alternatively you can write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London EC14 9SR or telephone 0845 080 1800.

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Governing Law

14 The terms and conditions of use of this website are governed by the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the English courts.

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Changes to website

15 The contents of this website, including these terms and conditions of use, are subject to change by us without notification.

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Telephone Calls

16 We may record telephone calls for security and training purposes.

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Internet Communications

17 In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, The Royal Bank of Scotland Group reserves the right to monitor all internet communications, including web and email traffic, into and out of its domains. Monitoring includes checks for, but not limited to; viruses and other malignant code, criminal activity, and use or content which is unauthorised as being in breach of the Group Dignity of Work and Information Security policies.

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Registered details

18 National Westminster Bank Plc. Registered Office: 135 Bishopsgate, London, EC2M 3UR. Registered in England and Wales. No. 929027.
NatWest Stockbrokers Limited. Registered Office: Premier Place, 2 1/2 Devonshire Square, London EC2M 4BA. Registered in England and Wales No. 1959479.

TD Direct Investing (Europe) Limited (a subsidiary of The Toronto-Dominion Bank) Incorporated in England and Wales under registration number 2101863. Registered Office: Exchange Court, Duncombe Street, Leeds LS1 4AX.

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