If you have an Offset Plus savings account you will be a shareholding member of the Society. You will therefore be subject to the Society's Rules, a copy of which is available at any branch or from our Member Contact Centre.

Withdrawals can be made from your account if there are sufficient cleared funds in your account. This is subject to the following:

1. The clearing cycle for cheques and automated payments is normally 3 working days. As we are not a clearing bank we will normally treat cheques as cleared on the fifth working day following the day of receipt. Cheques paid in on a nonworking day will be treated as received on the next working day (working days exclude Saturdays, Sundays and Bank Holidays). Automated payments will be treated as cleared on the day of receipt.
2. We will not regard a cheque drawn on a bank with an address outside the UK as cleared until we have received the cleared funds for the credit of your account. This means that you will not be able to withdraw against that cheque for a period of at least 25 working days following the day of receipt.
3. If we have any reason to doubt the validity of a cheque you pay into your account we may not allow any withdrawals against that cheque for a period of up to 14 working days from the day of receipt.
4. If a cheque you have paid into your account is returned unpaid, we will debit your account with the amount of the cheque even if we have allowed withdrawals against it and whether it is returned before or after our clearing cycle in (a) above has been completed.
5. We can only stop a cheque if you report it lost or stolen. If you request a replacement cheque it will be issued with exactly the same details as the original cheque. If you want to cancel a cheque made payable to someone else and you do not want a replacement, you must provide us with the cheque itself or the written consent of that person.
6. We can limit the amount which may be withdrawn from any account at any time without giving you notice if we reasonably consider it necessary in order to protect the interests of our members as a whole.

1. All terms apply to both of you together and to each of you on your own;
2. Each of you can be held fully responsible for complying with the terms.
3. Because the law relating to building societies requires this, whichever of you is the first named in our records is called the 'representative joint shareholder' for the purposes of membership. Details of what membership means can be found in our leaflet 'Your Society', available on request.
4. We will accept instructions from, or rely on the signature of either one of you for all purposes relating to the account. This includes withdrawals, changes to the account, such as to your address or closure of the account. This term applies:
   1. unless agreed otherwise at the time the account is opened, or
   2. until we are told otherwise by either one of you, or
   3. unless either one of you tells us that there is a dispute between you (e.g. in the event of a separation or divorce), or;
   4. unless we believe that there may be a dispute between you.
   In any of these cases the authority or signature of both of you will then be required.
5. If one of you dies:
   1. the survivor should tell us of the death and provide us with proof of death;
   2. we will then change the account so that it can be operated by the survivor
   3. the survivor owns the account and only the survivor is able to operate it.
6. Further information about joint accounts can be found in the leaflet 'you and your joint account' available on request.

We do not have to recognise the interest or claim of any person other than the account holder in respect of money held in any account, nor will we be liable in any way for failing to recognise such interest or claim, except as required by law.

1. We can close an Offset Plus savings account, repay any part of it immediately or transfer the savings to another instant access account in the same names which allows you to withdraw money at any of our branches throughout the UK (this will not be an offset savings account) if:
   1. the borrower's Offset mortgage loan to which it is linked has been paid off and the legal charge on the property which is security for the loan has been discharged, or
   2. the loan is transferred to another of our mortgage products which does not include the Offset feature, or
   3. the only Offset savings account is held by a saver who is not also a borrower under an Offset mortgage to which the account is linked, or
   4. there is a change in law, HM Revenue or Customs practice or interpretation, a decision of a regulator or ombudsman or similar person as a result of which we are required to deduct or account for income tax in respect of any savings in an offset plus savings account.
   5. we believe that a saver on the account has been involved in fraudulent or serious criminal behaviour or that the relationship between a saver and us has irretrievably broken down.
2. We can close an Offset Plus savings account or repay any part of it at any time without giving any reason after telling you personally at least 30 days in advance.

1. An 'Account Document' means a passbook, certificate, card or similar item that we designate to be an Account Document. We will give you an Account Document, but it will remain our property and must be returned to us to be brought up to date whenever we ask or for such other purposes as we may reasonably require.
2. You must produce the relevant Account Document before making a withdrawal.
3. You must immediately contact your local branch or call us on 0845 1200 300 if you discover that any Account Document is missing. If you notify us by telephone, you must also write to us.
4. After you have:
   1. provided such evidence regarding the loss,
   2. given an indemnity, and
   3. paid any fee
   as we may reasonably require, we may transfer the amount in the account in our records to a new Offset savings account and afterwards will give you a new Account Document.
5. If someone other than you presents your Account Document to us, pretends to be you or to be authorised by you, and is therefore able to withdraw money from your account, you will be responsible for the amount of any withdrawal made if you have acted fraudulently. You may be similarly responsible if you have acted without reasonable care.

1. If we have to tell you something we will do so personally:
   1. by post to your last known address, or
   2. by fax or email to any number or email address you have given us for this purpose
2. If we give you notice in this way then it will be considered as given on the following days:
   1. Post: The second working day after date of posting
   2. Email: The day the email is sent
   3. Fax: The day of transmission
3. If we accidentally fail to send you a notice intended for our savers generally (or a category of our savers of which you are one) this will not make the notice invalid.

The terms of the Offset Plus savings account are governed by the laws of the country in the United Kingdom (i.e. England and Wales, Scotland or Northern Ireland) where the property which is security for the mortgage loan to which the account is linked, is situated.