St. James’s Place Trust Account Opening Form and Mandate...St. James’s Place Trust Account Opening Form and Mandate (continued) pg 3 2. ST. JAMES’S PLACE PARTNER INFORMATION

Metro Bank PLC is registered in England and Wales, company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated

by the Financial Conduct Authority and Prudential Regulation Authority. ‘Metrobank’ is the registered trade mark of Metro Bank PLC. 1339 OF PR000430 (07/21)

Monday - Friday: 9am – 5.30pm • St. James’s Place Service Centre: 020 3402 8980 • [email protected]

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Principal Contact Name:

1. Is more than 50% of your income from investments/dividends/interest/royalties?

2. Is more than 50% of the Trust assets held for the purpose of generating this income?

Type and value of assets constituting the Trust

Value of cash assets expected to this account

Yes No Don’t know

Yes No Don’t know

Trust Name (As per deed):

1. TRUST DETAILS

Nature of Trust eg discretionary,personal injury or will

Country of establishment

Country(ies) where trust operates e.g. where assets have been accumulated or are currently held

St. James’s Place Trust Account Opening Form and MandateIn this Form, when we refer to 'you' or 'your' we mean the Trustee(s) acting in a professional capacity in respect of the Trust as detailed in Section 1 (below).

Please complete this form using black ink. Initial any corrections (all signatories if more than one) and do not use correc-tion fluid.

You are reminded that the Metro Bank ‘Our Service Relationship with Business Customers’ brochure (the ‘Terms and Conditions’) and the relevant Important Information Summary (the ‘IIS’) govern the operation and use of Metro Bank Accounts.

Please refer to the Terms and Conditions for a full description of the eligibility criteria applicable to each type of Account and the relevant IIS for key features (including charges and interest).

If you need another copy of the Terms and Conditions or relevant IIS please let us know. You can call the St. James’s Place Service Centre on 0203 40 28 980 or by emailing [email protected].

3. TRUSTEE DETAILS (If a corporate trustee is appointed please also complete section 6. e.g. a trustee is a limited company)

Address:

Telephone Number:

Trustee Name:

Email Address:

Address:

Telephone Number:

Trustee Name:

Email Address:

Address:

Telephone Number:

Trustee Name:

Email Address:

Address:

Telephone Number:

Trustee Name:

Email Address:

2. SETTLOR DETAILS

Title:

Surname:

Address:

Forename(s):

Country of Residence:

Entity name (if applicable):

Other Names Known By:

DOB:

Please list all countries where you are resident to pay tax. (inc. UK)

Nationality(ies):

Country of birth:




St. James’s Place Trust Account Opening Form and Mandate (continued)

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Beneficial Owner(s)

For a Limited Company (Private, Public & Limited by Guarantee); a Beneficial Owner is any individual/Business who/that:

• ultimately owns or controls (whether through direct or indirect ownership or control, including through bearer shareholdings) 25% or more of the shares or 25% or more of the voting rights in your business; or

• otherwise exercises control over the management of your business

For a Partnership (inc. Limited Partnership), Limited Liability Partnership, Club, Society, Charity or other Unincorporated Association; a Beneficial Owner is any individual who:

• is ultimately entitled to or who controls (whether directly or indirectly) 25% or more of the capital or profits of the business or 25% or more of the voting rights in your business: or

• otherwise exercises control over the management of your business

In all instances, a Beneficial Owner must be identified using the Business Individual Identification & Verification Form (regardless of whether or not they will be an account operator).

Company/Organisation Official(s)

For a Limited Company (Private, Public & Limited by Guarantee), Limited Liability Partnership; please provide details of all Company Officials (Directors/Designated Members/Company Secretaries). Two of these Company Officials (if two or more exist) are required to be identified using the Business Individual Identification & Verification Form (whether they will be an account operator or not) and are required to sign the Declaration page of this form.

*Please note that if one of the Company Officials is a Company Secretary who plays no active role in the Company, there is no requirement for them to be identified and verified and they are not required to sign the Declaration page of this form.

For a Club, Society, or other Unincorporated Association; please provide details of two Officials (Chairperson/Treasurer/Trustees/Office Bearers) if two or more are appointed. If only one Official is appointed to the Organisation, please provide details for the sole Official only.

This/these Official(s) is/are required to be identified using the Business Individual Identification & Verification Form and is/are required to sign the Declaration page of this form.

Please use these tables to provide details of Beneficial Owners and Company Officials only (as detailed above)





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4. CORPORATE TRUSTEES (only to be completed if a corporate trustee has been appointed)

Is the corporate trustee an existing Metro Bank customer? Yes No If yes, please provide Metro Bank customer number:

Registered Entity Name:

Please complete the following details if corporate trustee is not an existing Metro Bank customer (for existing customers, proceed to section 7):

Trading Name:(if applicable)

Company Number:

Previous Business Name (if applicable):

Registered Address:Trading Address (if different):

Postcode:

Country of incorporation:

Date of Incorporation:

Country of trading:

Postcode:

Name of Individual % Shareholding (if Beneficial Owner)

Position in Business Nationality(ies) Country of Residence





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5. BENEFICIARIES OF TRUST ASSETS (Please only list beneficiaries with a stated or likely interest of 25% or greater)

Please provide the names and permanent addresses of the Trust's beneficial owner(s).There are two categories of beneficial owner of a trust:

• individuals with a specified interest of at least 25% in the trust capital (a person has a specified interest if they have a vested interest of the requisite level in possession or remainder or reversion, defeasible or indefeasible);• classes of people in whose main interest the trust operates; e.g. The Grandchildren of…You must notify us immediately if the identity or details of the beneficial owners changes during the course of your agreement with Metro Bank.

If a class of beneficiaries is applicable please provide details of that class below

Title:Surname:

Address:

Forename(s):

Country of Birth:

Percentage Interest:

Nationality(ies)


DOB:Please list all countries where you are resident to pay tax. (inc. UK):


Title:Surname:

Address:

Forename(s):

Country of Birth:


Nationality(ies)




Title:Surname:

Address:

Forename(s):

Country of Birth:


Nationality(ies)




Title:Surname:

Address:

Forename(s):

Country of Birth:


Nationality(ies)




9. ST. JAMES’S PLACE PARTNER INFORMATION

Full Name

To be filled in by your St. James’s Place Partner

Company/Business Name

Email Address

Contact NumberPartner Code

I/We would like to open: A St. James’s Place Instant Access Trust Savings Account A St. James’s Place Fixed Term Trust Account

6. CHOOSE YOUR ACCOUNT(S)

Cheque book for the use with the instant access accountI/We require:

Funds to be deposited by:

Interest must be credited to your St. James’s Place Instant Access Trust Account. When applying for a Fixed Term Savings Account, an Instant Access Savings Account will be opened in order to accept these payments.

7. YOUR FIXED TERM SAVINGS DETAILS

Cheque made payable to Metro Bank

Complete this section only if you are applying for a St. James’s Place Fixed Term Trust Account.

Electronic transfer from another bank

AmountDeposited

Term 12 months 18 months 3 years Please tick if this is being transferred from St. James’s Place Bank

Do you make and receive international payments?

Yes

No

If yes please detail the principal countries you transact with

8. ACCOUNT ACTIVITY

Purpose of the account

Expected accountactivity (eg. transaction volumes)





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Authorised Signatory 1

Add individual Remove individual

Please specify your instruction for this Account Operator:

Title:

Surname:

Forename(s):

Scope of Permissions:

Online Banking (if only one authorised signatory)Telephone Banking

Obtain account information

Set up payments

Appoint other Account Operators

Authorise, Amend and Cancel Payments

Yes No

Yes No

Yes No

Yes No

Yes No

Yes NoSignature:




Title:

Surname:

Forename(s):


Online Banking (view only)

Telephone Banking


Set up payments



Yes No

Yes No

Yes No

Yes No

Yes No

Yes NoSignature:

Please tell us how you would like to use and operate your account(s) in relation to the Trust.

A. Trustees:

You hereby authorise Metro Bank to accept all instructions given or acts performed in accordance with the Terms and Conditions and/or this

Mandate by you (where you are the sole Trustee) or by of you (where there is more than one Trustee).

10. MANDATE

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B. Authorised Signatory:An Authorised Signatory is an Account Operator who can have full access on the account in accordance with the instructions set out in this Mandate. If you do not wish to appoint an additional Authorised Signatory to assist you in the use and operation of your account(s) in relation to the Trust please complete your own details: Section 6C Authorised Signatory 1 and leave the remainder of Section 6C blank.

Please specify below the Authorised Signatory(ies) who will operate the Trust account(s) by crossing the ‘Add Individual’ box. If you wish to remove any Authorised Signatory(ies), please cross the ‘Remove Individual’ box and complete the details below.

Please refer to our Terms and Conditions for the definition of Authorised Signatory.

If at any time after completing this form you would like to appoint nominated persons or additional authorised signatories to assist in the use and operation of your account(s) please contact the St. James’s Place Service Centre. You should also use this form to terminate the appointment of a nominated person or authorised signatory or to vary the existing permissions of a nominated person. If completed, each such form shall be part of this Mandate.

Identification and address verification of Trustees and/or other authorised signatories

To comply with current regulations, Metro Bank must identify and verify the address(es) of all trustees, any other authorised signatories and beneficiaries. Unless an Identification Verification Confirmation has been provided by your St. James’s Place Partner, we will require separate original identification documents from each relevant individual to confirm their identity and verify their address(es).

Examples of documents include the following:

• Valid full Passport for identification along with a bank statement / utility bill dated within the last 3 months for address verification; or• Full UK Photo Driving Licence for either identification or residential address verification (please note this cannot be used to verify both identity and address)

Please ask us if you need guidance on other suitable identification documents.

If under 18 a certified copy of passport OR birth certificate is required.

Internet Banking is only available where there is only one authorised signatory on the bank account.

If the mandate below requires more than one authorised signatory, then when requested a transaction via the telephone banking service, we will accept instructions from one authorised signatory and will confirm by telephone with a second signatory.

Important:

We can only accept payment instructions under the telephone banking service or the online banking service in accordance with the Mandate, as specified below.

For trusts with one Signatory, Online Access allows transactions to be completed online. For trusts with more than one Signatory, Online Access is view only for all.

C. Please provide the following details of all authorised signatories on your account(s) in relation to the Trust.







Title:

Surname:

Forename(s):



Telephone Banking


Set up payments



Yes No

Yes No

Yes No

Yes No

Yes No

Yes NoSignature:


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10. MANDATE (continued)




Title:

Surname:

Forename(s):



Telephone Banking


Set up payments



Yes No

Yes No

Yes No

Yes No

Yes No

Yes NoSignature:

Important:

We can only accept payment instructions under the telephone banking service or the online banking service in accordance with the Mandate, as specified below.

C. Please provide the following details of all authorised signatories on your account(s) in relation to the Trust.




10. MANDATE (continued)

Nominated PersonsA Nominated Person is only authorised to access transaction information and account balances and may only transact on an Account in accordance with the limited scope of permissions requested below.

If you would like to appoint a Nominated Person(s) who will assist in the operation of your Trust Account(s), please do so by crossing the ‘Add Individual’ box and complete the details below.

If you wish to remove any Nominated Person(s) from your Trust Account(s), please cross ‘Remove Individual’ box and complete the details below.


Nominated Person 1


Title

Surname

Forename(s)


Online Banking (View only)

Telephone Banking (Limited access*)


Set up payments

Yes No

Yes No

Yes No

Yes No


Nominated Person 2


Title

Surname

Forename(s)





Set up payments

Yes No

Yes No

Yes No

Yes No


Nominated Person 3


Title

Surname

Forename(s)





Set up payments

Yes No

Yes No

Yes No

Yes No


Nominated Person 4


Title

Surname

Forename(s)





Set up payments

Yes No

Yes No

Yes No

Yes No

*May obtain account balances, transaction information and set up payments only if ‘Yes’ is crossed above





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1339 OF PR000430 (07/21)Metro Bank PLC is registered in England and Wales, company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated

by the Financial Conduct Authority and Prudential Regulation Authority. ‘Metrobank’ is the registered trade mark of Metro Bank PLC.


11. AUTHORITIES, REPRESENTATIONS AND WARRANTIES Please read and confirm the following. In all cases:

1. Please attach a certified copy of the trust deed.

2. By signing this Form, you represent and warrant in favour of Metro Bank that this application does not, and the account and related services if offered will not, contravene the terms of the trust deed or any agreement to which you are a party.

3. By signing this Form, you: (i) authorise Metro Bank to pay and debit, receive and credit to your account(s) all cheques or other orders to pay signed, made, accepted or given by

you or (if there is more than one Trustee) the number of you or, if you have completed Part C in Section 6, the number of Authorised Signatories specified in Section 6A as being required to consent to payments or made payable or endorsed in your favour, notwithstanding that each such payment or debit may create or increase an instant overdraft (please see the Terms and Conditions, together with the relevant IIS, for more information on instant overdrafts);

(ii) authorise Metro Bank to act or otherwise rely upon any other instruction, notice or document given or signed by you or (if there is more than one Trustee) the number of you or, where you have completed Section 6A, the number of authorised signatories specified for such instruction, notice or document; and

(iii) authorise Metro Bank to give each account operator access to those facilities that you permit that account operator to have in accordance with this Mandate.

4. By signing this Form you represent and warrant that all information set out in this Mandate is true, accurate and complete.

5. By signing this Form:

(i) you agree (if applicable) that all individuals nominated in this Mandate as account operators shall be authorised to act in accordance with this Mandate until Metro Bank receives written notification to the contrary (such notification to be provided in accordance with the terms of this Mandate);

(ii) you agree that Metro Bank can rely on all the other information provided in this Mandate unless and until notified otherwise in accordance with the terms of this Mandate;

(iii) in consideration of Metro Bank complying with this Mandate (including the authorities conferred by this Mandate) you undertake to indemnify Metro Bank against any loss, charge or expense that Metro Bank may suffer or sustain and to absolve Metro Bank of all liability for loss or damage which you may sustain as a result of Metro Bank acting on this Mandate, in particular, but not limited to, any liability arising as a result of the Trust or any breach of the Trust;

(iv) you confirm that the names, residential addresses, dates of birth, official positions and specimen signatures of the Authorised Signatories (and/or Nominated Person(s) where applicable), as set out in Section 6 and the account operator details (which shall form part of this Mandate), are true and correct; and

(v) you confirm that this Mandate has been completed, signed and dated under the authority properly conferred on the Trustee(s) in accordance with the trust deed; and that such authority has not been amended or revoked and otherwise remains in full force and effect as at the date indicated below next to your signature(s); and all Trustee(s) confirm that you are fully and duly authorised to open and operate this bank account in accordance with the terms of the Trust and with no restriction (if this is not the case, Metro Bank confirms that we will rely fully on the indemnity provided by you in Section 7 5(iii) - if you are in any doubt you must seek your own independent legal advice).

6. You authorise Metro Bank to disclose details of your account(s) to your St. James’s Place Partner (section 2) as named on the application form, or their successors in title, and to St. James’s Place Group who may from time to time correspond with Metro Bank in accordance with your instruction.Where you have completed Section 6 of this Form, your signature(s) below constitute(s) as well as your Mandate to Metro Bank in relation to your use and operation of your account(s) with Metro Bank.

Declarations and Authority to St. James’s Place Group (‘St. James’s Place Group’)

• I instruct and authorise St. James’s Place Group and/or my St. James’s Place Partner to pass my instructions in relation to the Trust Account to Metro Bank PLC.

• I understand that St. James’s Place Group and/or my St. James’s Place Partner will correspond with Metro Bank PLC on my behalf and according to my instructions, and for these purposes.

• I instruct and authorise St. James’s Place Group and/or my St. James’s Place Partner to pass details of all communications (including copy correspon-dence) that I may have with St. James’s Place Group in connection with my Trust Account to Metro Bank PLC for the purposes of Metro Bank PLC maintaining accurate records in compliance with its regulatory duties.

I understand that St. James’s Place Group cannot advise me on whether or not to take up the Metro Bank Trust Account and that acceptance of my application does not mean that St. James’s Place Group has assessed the Metro Bank Trust Account as suitable for my requirements.

By signing this form we acknowledge receipt of details of the Financial Services Compensation Scheme Information Sheet.

Credit Reference Agencies

When you make this request to become an Account Operator as defined in “Our Service Relationship with Business Customers” brochure (Terms and Conditions), Metro Bank will make various checks in order to assess your eligibility to become an Account Operator, to verify your identity and to prevent and detect crime and money laundering. Metro Bank will search records held by credit reference agencies (‘CRAs’) when considering this request.

Fraud Prevention Agencies

If you give false or inaccurate information and fraud is identified or suspected, details may be passed to fraud prevention agencies and/or CRAs to prevent fraud and money laundering. Law enforcement agencies may access and use this information.

More information is available about how Metro Bank will use your information. You have been given a copy of the Terms and Conditions which includes a section titled “How we use the information we hold about you”. More detailed information is also available about how Metro Bank will use your informa-tion in our “Guide to the Use of Your Information - Business Customers” brochure. Please ask any Metro Bank team member for a copy of this leaflet. By signing this form you agree to Metro Bank using your information as set out above and in the ways described in the leaflet. You can contact us in writing at Metro Bank PLC, One Southampton Row, London, WC1B 5HA or

[email protected] at any time if you would like us to stop using your data in a manner to which you have previously consented.

Any decision by Metro Bank to accept your request to become an Account Operator in relation to the Account identified in section 1 (the ‘Relevant Account’) will be based on the information set out in this request. By signing this form, you declare that the information set out in this request is, to the best of your knowledge and belief, correct and not misleading. If it alters at any time you must tell Metro Bank promptly in writing.

If your request is accepted, you will not have any rights under the Terms and Conditions in your capacity as Account Operator. However the Relevant Entity will be responsible for your acts or omissions as if they were its own. We have recommended that the Relevant Entity should make you aware of its obligations to Metro Bank under the Terms and Conditions.

Before signing this form you should carefully read the Terms and Conditions and the “Important Information Summary”. If there is anything you do not understand then please discuss it with a Metro Bank Customer Service Representative before signing this form.


pg 9





pg 10

12. PRIVACY NOTICE

Who are we?Metro Bank PLC (“Metro Bank”, “we” or “us”), registered in England and Wales, company number: 6419578.

We are a controller for the processing activities specified in this Privacy Notice that relate to your personal data.

This Privacy Notice also explains how other parties, including companies belonging to the Metro Bank group, may use your personal data excluding any products, applications or services that have separate privacy notices which do not incorporate this Privacy Notice.

If you have any questions about this Privacy Notice, or would like more information about how we use your personal data or to exercise any of your data subject rights (see “Your rights”), please contact our Data Protection Officer:

Write to: Data Protection Officer Metro Bank PLC One Southampton Row London, WC1B 5HA

Email: [email protected]

If you are unhappy with our management of your information, you have the right to lodge a complaint with the Information Commissioner’s Office. Please visit www.ico.org.uk for more information.

Our collection and retention of personal dataPersonal data includes any information that directly or indirectly (whether alone or in conjunction with other information) identifies you (or someone else). This includes information such as your name, address and contact details, but also includes, for example, any photograph we have of you (e.g. when you provide us with a selfie and a copy of a photo ID as part of the account opening process), online identifiers such as IP address or device ID, and location data.

The personal data we hold about you is limited to information that:

• You have given us directly, for example when you apply for an account or contact us (eg a copy of your ID, a selfie and your contact information, or details of your query or complaint)

• We capture through the use of CCTV when you visit one of our stores

• We record and monitor through our telephone calls to help improve the products and services we offer

• We receive from trusted third parties during eligibility checks

• We collect during the provision of our contracted services to you (e.g. your account details, and details of your transactions and interactions with us)

• We, or third parties acting on our behalf (such as Google Analytics), automatically collect when you use our website or interact with our emails (in each case, with your consent, where necessary). Examples of data collected include your IP address, browser type referral source, information about which parts of our page you have visited and how long you spent on them, the preferences you have set, and whether you have opened our emails

• We occasionally obtain personal data from publicly available sources, such as social media sites (e.g. we may collect your name and comments where you mention us in a post) and Government registers (e.g. Companies House).

Where we ask you to provide personal data to us on a mandatory basis, we will tell you at the time of collection. In the event that particular personal data is required by the contract or law, this will be made clear. We will also explain the consequences of any failure to provide any mandatory personal data: for example, if you can’t show us proof of identity, this will mean that we can’t open an account for you.

If you open an account with us and you are under 18, we may also collect personal data that directly or indirectly identifies your parent or legal guardian who helped you open an account. We may use and keep their personal data only for the purposes of checking your identity. You must not give us personal data about someone else (such as a joint applicant or a parent or guardian) without first getting their permission for it to be used and released. We will assume that that person has given permission, although we may still ask for confirmation.

At the end of your relationship with us (for example, if you decide to close your account), we retain your personal data for as long as required to meet our legal and regulatory obligations. Where retention is based on other reasons, we will retain it for no more than seven years, in line with our data retention policy.

The purposes and lawful basis for our collection of personal dataYour personal data is collected and processed for business and compatible purposes, in accordance with applicable laws and as set out below. Personal data may occasionally be used for purposes not obvious to you where the circumstances warrant such use (e.g. in fraud investigations or similar).

We generally process your personal data under one of the following legal bases:

• Our legitimate business interests (described in the section below), except where these are overridden by your interests or fundamental rights and freedoms which require protection of personal data (“Legitimate Interests”)

• Compliance with our legal obligations (“Legal Obligation”)

• For the performance of a contract to which you are a party or in order to take steps at your request prior to entering into such a contract (“Contractual Performance”).

We may also rely on other bases (for example, where the processing is necessary in the performance of a task carried out in the public interest or in order to protect your vital interests or those of another person or where you have given your consent) on an exceptional basis, where none of the above apply.

Sensitive personal dataWe may collect a limited amount of Special Category Personal data (revealing racial or ethnic origin, religious or philosophical beliefs, trade union membership, genetic data, biometric data (where that information is used to identify an individual), information concerning physical or mental health, an individual's sex life or sexual orientation (in order to make appropriate accommodations or adjustments), or to provide biometric identification services. When we do so, we will explain to you why we need it, and obtain your consent to use it for the relevant purpose.

To the extent permitted by applicable laws, we may collect and process a limited amount of information regarding criminal convictions and offences and related proceedings (including information relating to allegations and suspicions of criminal offences).

Further processingIf we determine that your personal data is to be used for a new purpose, we will inform you beforehand.

Sharing your informationYour personal information may be shared with third party service providers, including companies belonging to the Metro Bank group, which may provide products or services to you or us.

We will only share your personal data where necessary and where we have a lawful basis for doing so (for the purposes previously outlined). Recipients of your personal data include:

• Other parties connected to your account (i.e. joint account holders)

• Credit reference agencies (please see section below)

• Our service providers (such as payment processors, IT service providers, email service providers and web analytics providers)

• Specific subcontractors who help to provide you with the services you have requested

• Tax authorities, regulatory authorities, law enforcement agencies and fraud prevention agencies

• Our insurers, lawyers, auditors, consultants and other professional advisers

• Other banks or financial institutions (where you ask us to share your personal data, or where we are asked to confirm your identity for the purposes of preventing or investigating financial crime)

• If you want to use our referral to selected third parties to get discounts for their services, or where you want to take advantage of our functionality to import or export your banking data

• Third parties where you have consented for us to share your data with them.

These recipients may be located in countries around the world (please see “Processing Personal Data outside of the EU (EEA) and UK”).

The personal information we have collected from you will be shared with fraud prevention agencies, who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at www.cifas.org.uk/FPN.

Your rightsYou have specific rights over your personal data, as explained below. These may not apply in all circumstances – we will let you know where this is the case.

• Data subject access request

• Rectification of inaccurate personal data

• Erasure of personal data

• Restricting processing of personal data

• Right of portability

• Object to the processing of your personal data

• Right not to be subject to automated decision-making

• Right to withdraw consent.

You can exercise your rights by contacting us on 0345 08 08 500, in writing using the contact details given at the top of this document, or by visiting one of our stores.

We will respond to your request within one calendar month. We may need to confirm your identity before processing your request. If you can’t give us satisfactory proof of your identity, we have the right to refuse your request. We also have the right to reject requests that are manifestly unfounded or excessive.

For more information on how we process your personal data, please see our website Privacy Noticehttps://www.metrobankonline.co.uk/about-us/privacy-and-security/

Who are we?Metro Bank PLC (“Metro Bank”, “we” or “us”), registered in England and Wales, company number: 6419578.

We are a controller for the processing activities specified in this Privacy Notice that relate to your personal data.

This Privacy Notice also explains how other parties, including companies belonging to the Metro Bank group, may use your personal data excluding any products, applications or services that have separate privacy notices which do not incorporate this Privacy Notice.

If you have any questions about this Privacy Notice, or would like more information about how we use your personal data or to exercise any of your data subject rights (see “Your rights”), please contact our Data Protection Officer:

Write to: Data Protection Officer Metro Bank PLC One Southampton Row London, WC1B 5HA

Email: [email protected]

If you are unhappy with our management of your information, you have the right to lodge a complaint with the Information Commissioner’s Office. Please visit www.ico.org.uk for more information.

Our collection and retention of personal dataPersonal data includes any information that directly or indirectly (whether alone or in conjunction with other information) identifies you (or someone else). This includes information such as your name, address and contact details, but also includes, for example, any photograph we have of you (e.g. when you provide us with a selfie and a copy of a photo ID as part of the account opening process), online identifiers such as IP address or device ID, and location data.

The personal data we hold about you is limited to information that:

• You have given us directly, for example when you apply for an account or contact us (eg a copy of your ID, a selfie and your contact information, or details of your query or complaint)

• We capture through the use of CCTV when you visit one of our stores

• We record and monitor through our telephone calls to help improve the products and services we offer

• We receive from trusted third parties during eligibility checks

• We collect during the provision of our contracted services to you (e.g. your account details, and details of your transactions and interactions with us)

• We, or third parties acting on our behalf (such as Google Analytics), automatically collect when you use our website or interact with our emails (in each case, with your consent, where necessary). Examples of data collected include your IP address, browser type referral source, information about which parts of our page you have visited and how long you spent on them, the preferences you have set, and whether you have opened our emails

• We occasionally obtain personal data from publicly available sources, such as social media sites (e.g. we may collect your name and comments where you mention us in a post) and Government registers (e.g. Companies House).

Where we ask you to provide personal data to us on a mandatory basis, we will tell you at the time of collection. In the event that particular personal data is required by the contract or law, this will be made clear. We will also explain the consequences of any failure to provide any mandatory personal data: for example, if you can’t show us proof of identity, this will mean that we can’t open an account for you.

If you open an account with us and you are under 18, we may also collect personal data that directly or indirectly identifies your parent or legal guardian who helped you open an account. We may use and keep their personal data only for the purposes of checking your identity. You must not give us personal data about someone else (such as a joint applicant or a parent or guardian) without first getting their permission for it to be used and released. We will assume that that person has given permission, although we may still ask for confirmation.

At the end of your relationship with us (for example, if you decide to close your account), we retain your personal data for as long as required to meet our legal and regulatory obligations. Where retention is based on other reasons, we will retain it for no more than seven years, in line with our data retention policy.

The purposes and lawful basis for our collection of personal dataYour personal data is collected and processed for business and compatible purposes, in accordance with applicable laws and as set out below. Personal data may occasionally be used for purposes not obvious to you where the circumstances warrant such use (e.g. in fraud investigations or similar).

We generally process your personal data under one of the following legal bases:

• Our legitimate business interests (described in the section below), except where these are overridden by your interests or fundamental rights and freedoms which require protection of personal data (“Legitimate Interests”)

• Compliance with our legal obligations (“Legal Obligation”)





pg 11

12. PRIVACY NOTICE (continued)

• For the performance of a contract to which you are a party or in order to take steps at your request prior to entering into such a contract (“Contractual Performance”).

We may also rely on other bases (for example, where the processing is necessary in the performance of a task carried out in the public interest or in order to protect your vital interests or those of another person or where you have given your consent) on an exceptional basis, where none of the above apply.

Sensitive personal dataWe may collect a limited amount of Special Category Personal data (revealing racial or ethnic origin, religious or philosophical beliefs, trade union membership, genetic data, biometric data (where that information is used to identify an individual), information concerning physical or mental health, an individual's sex life or sexual orientation (in order to make appropriate accommodations or adjustments), or to provide biometric identification services. When we do so, we will explain to you why we need it, and obtain your consent to use it for the relevant purpose.

To the extent permitted by applicable laws, we may collect and process a limited amount of information regarding criminal convictions and offences and related proceedings (including information relating to allegations and suspicions of criminal offences).

Further processingIf we determine that your personal data is to be used for a new purpose, we will inform you beforehand.

Sharing your informationYour personal information may be shared with third party service providers, including companies belonging to the Metro Bank group, which may provide products or services to you or us.

We will only share your personal data where necessary and where we have a lawful basis for doing so (for the purposes previously outlined). Recipients of your personal data include:

• Other parties connected to your account (i.e. joint account holders)

• Credit reference agencies (please see section below)

• Our service providers (such as payment processors, IT service providers, email service providers and web analytics providers)

• Specific subcontractors who help to provide you with the services you have requested

• Tax authorities, regulatory authorities, law enforcement agencies and fraud prevention agencies

• Our insurers, lawyers, auditors, consultants and other professional advisers

• Other banks or financial institutions (where you ask us to share your personal data, or where we are asked to confirm your identity for the purposes of preventing or investigating financial crime)

• If you want to use our referral to selected third parties to get discounts for their services, or where you want to take advantage of our functionality to import or export your banking data

• Third parties where you have consented for us to share your data with them.

These recipients may be located in countries around the world (please see “Processing Personal Data outside of the EU (EEA) and UK”).

The personal information we have collected from you will be shared with fraud prevention agencies, who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at www.cifas.org.uk/FPN.

Your rightsYou have specific rights over your personal data, as explained below. These may not apply in all circumstances – we will let you know where this is the case.

• Data subject access request

• Rectification of inaccurate personal data

• Erasure of personal data

• Restricting processing of personal data

• Right of portability

• Object to the processing of your personal data

• Right not to be subject to automated decision-making

• Right to withdraw consent.

You can exercise your rights by contacting us on 0345 08 08 500, in writing using the contact details given at the top of this document, or by visiting one of our stores.

We will respond to your request within one calendar month. We may need to confirm your identity before processing your request. If you can’t give us satisfactory proof of your identity, we have the right to refuse your request. We also have the right to reject requests that are manifestly unfounded or excessive.

For more information on how we process your personal data, please see our website Privacy Noticehttps://www.metrobankonline.co.uk/about-us/privacy-and-security/





pg 12

Signature of Trustee

Date


Date


Date


Date

All unused signatory boxes must be ruled through.

13. SIGNATURES




pg 13

The Financial Services Compensation Scheme (“FSCS”)1

£85,000 per depositor per bank2

All your eligible deposits at the same bank are “aggregated” and the total is subject to the limit of £85,000.2

The limit of £85,000 applies to each depositor separately.3

20 working days.4

Pound sterling (GBP, £) or, for branches of UK banks operating in other EEA Member States, the currency of that State.

http://www.fscs.org.uk

Metro Bank PLCOne Southampton RowLondonWC1B 5HA

Financial Services Compensation Scheme10th Floor Beaufort House15 St Botolph StreetLondonEC3A 7QUTel: 0800 678 1100 or 020 7741 4100Email: [email protected]

Eligible deposits in Metro Bank PLCare protected by:

Limit of protection:

If you have more eligible deposits at the same bank:

If you have a joint account with other person(s):

Financial Services Compensation SchemeInformation Sheet

BASIC INFORMATION ABOUT THE PROTECTION OF YOUR ELIGIBLE DEPOSITS

ADDITIONAL INFORMATION

Reimbursement period in case of bank’s failure:

Currency of reimbursement:

More information:

Acknowledgement of receipt bythe depositor:

To contact Metro Bank PLC for enquiries relating to your account:

To contact the FSCS for further information on compensation:

1 Scheme responsible for the protection of your eligible deposit

Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme.

2 General limit of protection

If a covered deposit is unavailable because a bank is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers a maximum of £85,000 per bank. This means that all eligible deposits at the same bank are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000.

In some cases eligible deposits which are categorised as “temporary high balances” are protected above £85,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including:

(a) certain transactions relating to the depositor’s current or prospective only or main residence or dwelling;

(b) a death, or the depositor’s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity;

(c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction.

More information can be obtained under http://www.fscs.org.uk3 Limit of protection for joint accounts

In case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personali-ty, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.

4 Reimbursement

The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: [email protected]. It will repay your eligible deposits (up to £85,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply.

Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating expenses (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under http://www.fscs.org.uk.

Other important information

In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank shall also confirm this on the statement of account.




pg 14

Financial Services Compensation Scheme (continued)

1 Scheme responsible for the protection of your eligible deposit

Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme.

2 General limit of protection

If a covered deposit is unavailable because a bank is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers a maximum of £85,000 per bank. This means that all eligible deposits at the same bank are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000.

In some cases eligible deposits which are categorised as “temporary high balances” are protected above £85,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including:

(a) certain transactions relating to the depositor’s current or prospective only or main residence or dwelling;

(b) a death, or the depositor’s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity;

(c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction.

ADDITIONAL INFORMATION (continued)

More information can be obtained under http://www.fscs.org.uk3 Limit of protection for joint accounts

In case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personali-ty, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.

4 Reimbursement

The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, Email: [email protected]. It will repay your eligible deposits (up to £85,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within 10 working days from 1 January 2021 to 31 December 2023; and within 7 working days from 1 January 2024 onwards, save where specific exceptions apply.

Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016 until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating expenses (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under http://www.fscs.org.uk.

Other important information

In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank shall also confirm this on the statement of account.

EXCLUSIONS LIST

A deposit is excluded from protection if:

(a) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank.(b) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering.(c) It is a deposit made by a depositor which is one of the following:• credit institution• financial institution• investment firm• insurance undertaking• reinsurance undertaking• collective investment undertaking• pension or retirement fund1

• public authority, other than a small local authority.

The following are deposits, categories of deposits or other instruments which will no longer be protected from 3 July 2015:

• deposits of a credit union to which the credit union itself is entitled• deposits which can only be proven by a financial instrument2 unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014• deposits of a collective investment scheme which qualifies as a small company3

• deposits of an overseas financial services institution which qualifies as a small company4

• deposits of certain regulated firms (investment firms, insurance undertakings and reinsurance undertakings) which qualify as a small business or a small company5 – refer to the FSCS for further information on this categoryFor further information about exclusions, refer to the FSCS website at www.FSCS.org.uk

1 Deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium sized enterprises are not excluded2 Listed in Section C of Annex 1 of Directive 2014/65/EU3 Under the Companies Act 1985 or Companies Act 20064 See footnote 35 See footnote 3

Documents

St. James’s Place Trust Account Opening Form and Mandate...St. James’s Place Trust Account Opening Form and Mandate (continued) pg 3 2. ST. JAMES’S PLACE PARTNER INFORMATION