The Use of This Website.

The following clauses exclude or limit our legal liability for this site and you should read them carefully.

All material contained on this website or in any other transmission containing a link to this website is for personal use and information purposes only and is not intended for dissemination to, or use by, any person or entity in any jurisdiction in any country where such dissemination or use would be illegal or which would subject any member of Türkiye İş Bankası AŞ to any registration requirement within such jurisdiction or country. Where any opinions are expressed on this website, they are provided by Türkiye İş Bankası AŞ for personal use and for information purposes only.

Any information on this website constituting a financial promotion has been issued and approved for publication and distribution in the United Kingdom only.

Nothing in these terms and conditions shall try to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude, limit or restrict our obligations to you under the Financial Services and Markets Act 2000, or the rules or regulations for the conduct of business which we are bound to comply with under this Act.

This site contains a great deal of complex information and we have tried to make it as clear, easy to use and accurate as possible. However, we disclaim any warranties, undertakings or representations, whether expressed or implied, to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials, are appropriate or available for use either in the United Kingdom or in any other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability, including without limitation, in either contract, tort, negligence, statutory duty or otherwise, to the maximum extent permitted by applicable law, arising out of the use of or access to this website, which includes without limitation any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect losses what-so-ever suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

You access and use this website at your 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, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we are not in any way responsible for anything mentioned on or linked to this site that someone else is marketing.

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

We may change, without notification, the material contained in this website, including these terms and conditions of use. Additionally Türkiye İş Bankası AŞ shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

To ensure the security of its systems, the protection of its staff and the detection fraud and other crimes, Türkiye İş Bankası AŞ reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes, without limitation, checks for viruses and other malignant code, criminal activity, and use or content that is unauthorised or unlawful or material that may cause offence in any way.

Terms of Business for Personal Accounts

1 Terms and Conditions

1.1 These terms and conditions:

1.1.1 are a contract between you and us, Türkiye İş Bankası (the 'Bank'), London Branch;

1.1.2 apply to our current accounts and savings accounts - which should not be used for business purposes;

1.1.3 explain our obligations to you and your obligations to us; and

1.1.4 are in addition to any other conditions, which are implied in the contract between us and by law.

1.2 We may, at our discretion, change these terms and conditions by notifying you of the change. If the change is to your disadvantage, we will give you not less than 30 days' notice by post before we make the change.

We may make any other change immediately and tell you about it within 30 days. If we make a disadvantageous change, you may at any time after we tell you of the change, switch your account or close it without having to pay any additional charges or interest.

2 Definitions and interpretation

2.1 'We, us, our' means Türkiye İş Bankası, London Branch (which expressions shall include any Türkiye İş Bankası branch in London).

2.2 'You' means the account holder(s) set out in the separate account operating instructions you provide us from time to time covering the account and (if applicable) any other of your accounts with us.

2.3 'Authorised person' means any person authorised by you to operate the account in accordance with condition 3.2 below.

3 Opening an account

3.1 If you wish to open an account with us, we will ask for proof of your identity, proof of address and sources of income and will ask you to complete a document (mandate) identifying you and containing a specimen of your signatures.

3.3 You can authorise another person to operate your account(s). You will need to sign a third party mandate in respect of those account(s). On joint accounts, all of you must sign. You can also do this by signing a Power of Attorney but you should take legal advice before doing so. If you authorise another person to operate your account then you will be responsible for their actions or omission as if they were your own. The Bank reserves the right to make appropriate checks against the person appointed as your Attorney and if the Power is executed by you abroad we will need to see a copy of it attested by a notary.

4 Giving Us Instructions

4.1 You or any authorised person or joint account holder must give us instructions in writing, in accordance with 4.3 below.

4.2 In the case of joint accounts, if any one of you tells us of a dispute between any of you, we may treat this as notice of cancellation of the authority. If we do, any further transactions will need the authority of you all.

4.3 We can only act on instructions (including instructions to make or collect payments from or into your account) given on a document bearing your or any joint account holder or authorised person's original signature(s) or on any faxed transmission of such a document (subject, in the latter case, to the authority and the indemnity relating to faxed instructions contained in the mandate). As long as we have followed your instructions correctly, we can deduct the amount of any payment from your account. You agree that we may rely on any account number quoted in an instruction as the correct account to be debited or credited.

4.4 If you give us an instruction by fax we can ask for the original signed copy of that instruction before we act on it.

4.5 We can refuse to act on any instruction if:

4.5.1 we have a good reason for thinking that you or any joint account holder or authorised person did not give us the instruction; or

4.5.2 the instruction is not clear; or

4.5.3 we believe that by carrying out the instruction we might break a law, regulation, code or other duty which applies to us; or

4.5.4 there are insufficient funds in the account.

4.6 In the event that: a petition for a bankruptcy order is presented against you then you agree that we may:

4.6.4 refuse to act on any instructions whenever given by you or any other party to make any payment/s out of any of your account/s or to carry out any dispositions or transfers of any of your property or assets of any kind unless you have previously obtained an appropriate validation order from the Court and/or

4.6.5 set up a separate account or accounts in your name to which any of your future receipts may be credited.

4.7 We may apply limits to transactions of certain types or amounts from time to time. We will tell you what these limits are, and any changes we make to them. Where possible we will do this before the changes come into effect, but we shall not be liable to you for not doing so.

5 Paying in to your account

5.1 We will accept payment into your account in cash, cheques or interbank transfer, which are payable as to you or any joint account holder.

5.2 If you want to pay in a cheque or other item that has been made payable to someone else, that person must sign it on the back. We may ask for further details before we agree to accept it. If a cheque or other item is marked on the front 'not transferable' or 'account payee', we reserve the right not to accept it for any account other than the account of the person named on it.

5.3 You can pay cash or cheques into your account by post, over the counter at any of our branches, and by personal delivery. We can only accept responsibility for these after we have received and checked them.

5.4 If items are paid into your account on a working day, we will normally deal with them that day, so long as we receive them before the relevant cut-off time. Please also see condition 7 below regarding cheques paid in to your account. Items paid in after the cut-off time or over the weekend or on a public holiday, will be dealt with on the next working day.

5.5 If you pay cash alone into your account over the counter at any of our branches, or we receive cash from you in the post (or by personal delivery), we will normally deal with it that day and you will normally be able to withdraw the money immediately. Your cash will be treated as cleared for interest calculation purposes on the day it is paid in.

5.6 If you pay in a mixture of cash and cheques into your account on the same paying in slip you will be able to withdraw the cash on the next working day. Your cash will be treated as cleared for interest calculation purposes on the day it is paid in if we receive it on a working day and before the relevant cut-off time. Otherwise it will be treated as cleared on the next working day.

5.7 When you pay in cash to settle a credit card, storecard or utility bill, you will need to follow the payment instructions provided by that company to ensure that payment is received in time to avoid interest or other penalties.

5.8 When you pay cash into your account at other banks for the credit of your account with us, you will have to wait three working days before withdrawing the money. This is because it takes time for the credit to reach your branch. The cash is treated as cleared for interest calculation purposes two working days after it has been paid in. When you pay in cash at any of our branches for the credit of an account at any other clearing

bank, the beneficiary will have to wait three working days before withdrawing the money. This is because it takes two working days to reach that bank.

5.9 When you pay a cheque into your account it will normally take four working days before you can withdraw the money unless you ask for special presentation. However, the amount to be credited will show on your balance before the cheque is cleared.

A cheque must be 'cleared' (i.e. payment of the amount shown on it confirmed) to allow you to withdraw the money and to calculate any interest payable either by us to you or by you to us.

A cheque can be subsequently returned unpaid even if we have decided to allow you to withdraw the money and/or the amount shown on the cheque has been included in your available balance on your account. (See 6.7 below).

We treat cheques as being cleared for interest calculation purposes four working days after they have been paid in. If you withdraw money which is not cleared for interest calculation purposes, you may be charged interest even though your account shows a credit balance.

If you pay a cheque drawn on one of our branches into that branch, you will normally be able to withdraw the money the next working day. The cheque is treated as cleared for interest calculation purposes on the day it is paid in

6 Payments from your account

6.1 We will make payments from your account if you authorise them in the ways set out in these terms and conditions and in any other way we have agreed with you and there are enough cleared funds in your account to cover the payments, or, the amounts due are covered by an overdraft we have agreed with you. However, we may decline to make a payment you request us to make if the amount exceeds any limit we set.

6.2 We will normally deduct cash withdrawals made over the counter at one of our branches from your account on the same day.

6.3 Cancelling or stopping payments

6.3.1 Once we have made a payment, you will not be able to cancel your instructions.

6.3.2 Please see condition 7 in relation to stopping payment of cheques.

6.3.3 If you want to cancel a standing order, you should tell us.

6.3.4 You can cancel a Direct Debit by either telling the person or organisation that collects the Direct Debit from your account or us.

6.3.5 You can only cancel payment instructions given to us in advance, including standing order and Direct Debit payment instructions up to the day before you have asked us to make the payment.

6.3.6 To cancel a regular payment other than a Direct Debit or Standing Order you should tell the person/organisation that collects the payment from your account.

6.3.7 You cannot cancel a cash transaction or a card payment

6.3.8 Cash withdrawals made via our debit card are subject to separate terms and conditions to which you are referred.

6.4 Foreign Currency Payments

6.4.1 If we make payments in a currency other than the currency of your account, we will tell you the rate of exchange and the fees we may charge.

6.4.2 Depending on the currency involved and certain other factors, it might not be possible to convert the amount and complete the transaction on the day that you give instructions to us.

6.4.3 If the transaction is conditional on the exchange rate for conversion or on the date of completion you must inform us of this when giving us your instructions. This clause only applies to accounts held in the UK and not to those held offshore.

6.5 Automated Payments

6.5.1 The central clearing cycle for automated payment is normally three working days. (If the person you are paying banks at the same bank as you the amount will usually be credited on the same day payments may take longer than three working days through some financial institutions). Where

automated withdrawals (e.g. standing orders and direct debits) or cheque payments are debited to your account, they will normally be debited at the beginning of the working day that they are received or due. This means that if you pay cash, make a transfer or make a CHAPS payment into your account on the day a withdrawal is due, it may be credited too late to meet that withdrawal, The clearing cycle may also take longer when paying via some financial institutions as an agent (such as the post office)

6.5.2 If your account becomes overdrawn, we may cancel any of your direct debits, standing orders and other direct payments from your account. We will normally give you at least 7 days' notice but in exceptional circumstances, where we consider this necessary to prevent abuse of your account, we may cancel a payment without giving you notice. If your account is subsequently in credit, those payments will not be automatically reinstated. If you wish to reinstate them you must apply in writing.

6.6 Balance on your account

The balance shown on your account may include cheques and other items paid into it that have not yet been cleared. Unless we have agreed in advance to let you draw against uncleared items we can always refuse to allow you to do so and the fact that we allow you to draw against uncleared items on one occasion does not mean that we cannot refuse to allow you to do so on another occasion.

6.7 Returned payments

If an uncleared cheque or other item is returned unpaid we will debit your account with the amount and with any interest we have paid you on it, even if you have already withdrawn against it. You may incur a charge and if debiting the item overdraws your account, interest may be charged - see Condition 9 for details. If the item is returned to us with an indication from the bank it is drawn on that it may be paid if it is presented again through the clearing, we are not obliged to do this. We will normally only present such a cheque or other item again if it is above a certain amount. This amount may change. We will tell you what this amount is when you open your account and if it changes.

7 Cheques

7.1 You must ensure that there are always sufficient available funds in your account to cover cheques and other payments to be made from it. Available funds include the available balance of any overdraft, which we have given you on your account.

7.2 When you issue a cheque on your account, the amount will normally be deducted from your account two working days after the recipient pays it into their account. More time may be needed for a cheque paid into a building society account or any bank outside England, Wales or Scotland or any account held at another non-clearing bank.

7.3 A cheque paid in at your own branch will be deducted from your account on the same day. If you issue a cheque on your account and it is paid in by the recipient over the counter at your own branch, the amount will be deducted on the same day. If you cash a cheque at any of our branches, the amount will be deducted from your account on the same day. If you issue a cheque, which is specially presented, the amount will be deducted from your account on the day it is received at your branch, which is likely to be on the working day after the day it was paid in by the recipient (but it could even be on the day it is paid in).

7.4 If your account goes overdrawn or your existing overdraft increases as a result of our deducting a cheque from your account, we may charge you interest from the day the amount of the cheque is deducted from your account. (Please also see clause 9).

7.5 You should always date a cheque, as undated cheques are likely to be returned with a request to include a date.

7.6 You should not write a future date on a cheque. If you do and the cheque is presented for payment before that date we can decide whether to pay or return it. In either case, we will not be liable to you.

7.7 We will 'stop' one of your cheques drawn by you at your request as long as:

7.7.1 the cheque has not been guaranteed;

7.7.2 the cheque has not already been paid; and

7.7.3 you give us sufficient details including;

. The cheque number i.e. the number appearing on the face of the cheque.

. The number of the account on which the cheque was drawn.

. The name of the payee.

. The amount of the cheque.

. The date of the cheque.

We cannot 'stop' a Counter Cheque or Bankers Draft that you have asked us to draw for you.

7.8 If you send a cheque through the post, it will help to prevent fraud if you clearly write the name of the person you are paying the cheque to and put extra information about them on the cheque. You should draw a line through unused space on the cheque so unauthorised people cannot add extra numbers or names.

7.9 Cheques you receive normally become out of date after 6 months and you should pay them into your account so they clear before they expire. Outdated cheques will be returned to you. We will notify you when this happens.

7.10 Cheques can be returned unpaid by the bank of the person who wrote the cheques even where funds have been made available.

7.11 You should only write cheques in the currency of your account. If you need to make a payment in a currency other than the currency of your account, we will advise you on the best way to do so.

7.12 If it is necessary to make amendments to a cheque you are writing, these should be made clear by crossing through the error and signing the correction.

7.13 When writing a cheque, you must take all reasonable precautions to prevent anyone else altering it or making a forgery including using ink to write the cheque. You may be liable for cheques which have been altered or signed by someone else if you have not taken all reasonable steps to prevent anyone from doing this and/or if you have not notified us of any actual or suspected event in accordance with clause 7.14 below.

7.14 If your cheques are lost or stolen, or if you think that someone has signed one of your cheques without your permission, you must tell us as soon as you can.

7.15 Foreign cheques

7.15.1 By 'foreign cheques' we mean cheques drawn in a foreign currency other than in sterling.

7.15.2 If you want to pay in cash or a cheque in one currency into an account in another currency, e.g, a cheque drawn in US dollars into a sterling account, we will convert the amount at our applicable rate of exchange. We will tell you the exchange rate and, where applicable, the fees we charge for negotiating or collecting the cheque.

7.15.3 We may decide or agree to negotiate a foreign cheque although we are not obliged to do so. This means that we will credit your account on the day we receive the foreign cheque if credited to a sterling account, or with a pre-determined forward value if credited to a foreign currency account, with the full amount or the converted amount but if it is returned unpaid, we will have 'recourse' against you (as well as anyone who has signed or endorsed it) and we are entitled to deduct from your account either the amount we added or, if we converted the cheque into another currency, the amount reconverted at the exchange rate applicable on the date we make the deduction. This means that if the exchange rate has changed the amount we deduct could be greater than the amount we originally added.

7.15.4 For details of how and when interest is calculated and applied in relation to amounts added to or deducted from your account following negotiation of a foreign cheque, please ask at your branch.

7.15.5 For a foreign cheque that we negotiate, we will deduct our fees at the time that you pay it in. If a cheque is returned unpaid, we will also deduct a further fee at the time it is returned. Agents' fees may also be payable whether the cheque is paid or not. These will be deducted from your account when we receive notice of them. This may be after the foreign cheque has been dealt with.

7.15.6 We may decide or agree to send a foreign cheque for collection although we are not obliged to do so. We will either:

. send the cheque directly to the bank on which the foreign cheque is drawn for payment, or

. pass the foreign cheque through the appropriate clearance system in the country where the foreign cheque needs to be presented for payment. We may appoint an agent in that country to do this for us. We will credit your account with the amount of the foreign cheque (subject to clauses 7.15.2 and 7.15.7) when we or our agents have received the funds and are satisfied that they can be credited to your account. This may involve us or our agents waiting for a period of time after receiving funds from the bank upon which the foreign cheque was drawn so we or they are certain that it has cleared and has not been returned before we credit your account.

You should be aware that a cheque, which has been sent for collection, can be returned unpaid even after we have credited your account with the amount of the cheque. If this happens we reserve the right to debit your account with the amount we credited your account with, or if we converted the cheque into another currency, the amount reconverted at the exchange rate applicable on the date we make the deduction. This means that the amount we deduct could be greater than the amount we originally added.

7.15.7 For a cheque that we collect, we will deduct a fee from the proceeds at the time we receive them or, if it is not paid, we will charge a fee at the time we receive the unpaid cheque. Agents fees and/or fees of the bank on which the cheque is drawn may also be payable whether the cheque is paid or not. These will be deducted from your account when we receive notice of them. This may be after the foreign cheque has been dealt with.

7.15.8 You must endorse any foreign cheques you pay into your account. This means that you must sign on the back. Your signature should be in the same form as your name on the front of the cheque.

7.15.9 Whilst we take care in choosing our agents when negotiating or collecting any foreign cheques, we do not accept liability for any loss, damage or delay that is not directly due to our own negligence. If exchange restrictions or some other cause result in us receiving payment in a currency different from that of the cheque, neither we nor our agents will be liable for any loss in exchanging the proceeds into the currency of your account.

7.15.10 Because of difficulties that occur from time to time with foreign cheques drawn on banks abroad, for example exchange restrictions, we may not always be able to negotiate or collect foreign cheques for you.

7.15.11 When we refer to foreign cheques, we also mean other forms of foreign payment, unless other arrangements are in place between you and us in respect of any other forms of foreign payment. The Uniform Rules for Collections, as published by the International Chamber of Commerce from time to time, also apply to any negotiation or collection of foreign cheques or other forms of foreign payment. If you would like a copy of these, please ask us.

7.15.12 We will keep original cheques paid from your account or copies for at least six years unless we have already returned these to you.

8 Electronic Payments

(This clause applies to electronic payments in addition to the remainder of the Terms and Conditions)

8.1 You can instruct us to make electronic payments from your account to beneficiaries in the UK or abroad by electronic fund transfer.

8.2 To make an electronic payment you need to complete the appropriate written instruction form depending on the type of electronic payment you require us to carry out. In the future, we may accept instructions in other ways, such as via the telephone or Internet.

8.3 You must make sure that you give us the correct details of the bank, the bank sorting code, (for payments within the UK) or national bank code IBAN number and SWIFT code (for payments outside the UK), bank account number and the name and address of the beneficiary to whom the payment is made. In order for us to meet our statutory obligations, details of your name and address, our reference number, or date and place of birth will be passed to the beneficiary's banker.

8.4 We do not accept liability for any kind of loss or delay occasioned by any incorrect description by you of the beneficiary's name or bank or account details.

8.5 Making the Payment

8.5.1 We will send your payment in the currency requested for electronic fund transfers.

8.5.2 In respect of priority payments, payments may be made for any amount in any freely traded currency. However, unless your beneficiary has requested that you send the payment in a particular currency and you have completed the appropriate boxes on the priority payments application form, where possible, we will send the payment in the currency of the destination country.

8.5.3 We shall endeavour to ensure that payment is credited to the bank account of the beneficiary on the same day that we process the payment for electronic fund transfer. In respect of priority payments, same day value can be achieved in a few financial centres; otherwise you should expect payments to be received by the beneficiary's bankers within 3 to 6 business days (a business day being a day when banks are open for business both in London and in the financial centre of the foreign currency being transferred).

8.5.4 Circumstances beyond our control or that of any correspondent we may select may cause delays in whole or in part, these may include the following but are not limited to them: the action of any government or government agency, industrial action (whether involving our staff or not), equipment failure, or interruption to power supplies, or the information you gave us is incorrect, or if there are complications in the routing of your payment or in overseas banking systems. In addition, all banks apply different cut off times for the processing of payments in foreign currencies.

8.5.5 Where we select any correspondent we shall exercise reasonable care in making any such selection but, subject to that, we shall not be liable for any failure to perform or any act of omission of any such correspondent, which will act for your account and at your risk.

8.6 Charges

8.6.1 A charge will be made when you give us your instructions to make the payment. This will be debited to your account. You will also have to pay us any additional expenses we incur in making the electronic payment in accordance with your instructions e.g. confirmation that a beneficiary's bank account has been duly credited (net of any pre-payment the customer has made on the account of this expense). These may either be debited to your account or deducted from the remittance.

8.6.2 We will also make a charge for any enquiries we receive in respect of any payment made in accordance with your instructions whether enquiries are made by you or by any other person. These charges will apply in respect of each electronic payment instruction (but we will not charge you if we have made an error). The enquiries, which will generate charges, may include the following but are not limited to them: refunds, cancellations, amendments, duplicated services, copies of cleared payments and enquiries about whether the funds have cleared. A charge will be made per payment instruction.

8.7 Cancellation of a Payment

You cannot normally cancel a payment that you have instructed us to make after we have accepted your instructions. However, if you ask us to we will do all we can to recall the payment but we cannot guarantee that we will be able to do so once your instructions for the payment have been received and acted on. Any refund of the amount retrieved will be made net of any incidental expenses.

8.8 Return of a Payment

If, for any reason, a payment is returned to us we will convert the amount at the exchange rate applicable at that date and credit it to your account. This means that if the exchange rate has changed the amount we credit could be less than the amount originally paid out by you.

9 Interest rates and Bank Charges

9.1 We will pay you interest on your account (after deduction of tax) when it is in credit and charge you interest if it is overdrawn. A higher rate of interest will be charged if we have not given you an overdraft or to the excess if you exceed an overdraft limit which we have given you. We will tell you what the rates are and how interest will be calculated and about any changes in the rates.

9.2 We will tell you our tariff of charges for basic account services and about any changes in the tariff. We will give you at least 14 days' notice of charges to be debited. We will also tell you about any charge for a service related to your account, which is not in our tariff. We will do this on request or before or when we provide the service to you.

9.3 The period during which charges for transactions and debit interest on your account build up before we debit them from your account ('Charging Periods') will usually be on a quarterly basis. The initial Charging Period will commence on the day your account is opened and include all transactions up to and including the next Quarter Day.

9.4 We may change our interest rates at any time, by giving you direct notice within 30 days of the change. Details will also be posted elsewhere on our website.

9.5 We may change our charges for the day-to-day running of your account or introduce such charges by giving you at least 30 days' direct notice. Again details will be posted elsewhere on our website.

9.6 We may change or introduce charges for any other service or product at any time but we will tell you what the charge is before we provide you with any such product or service and at any time you ask.

9.7 We will deduct tax from interest payments at the rate applicable to savings income, unless you are entitled to receive interest gross and have completed and delivered to us the appropriate form confirming that you are not liable to tax.

10 Overdrafts

10.1 If you are 18 or over, we may at our discretion provide an overdraft facility on your account (except saving accounts). When we agree to do so we will tell you the terms of the facility, the limit and the interest rate and charges which you must pay and we will confirm these details and any other conditions in writing. In some cases, we may need security.

10.2 We may make any enquiries which we think are appropriate when you apply for an overdraft facility or if we wish to consider increasing the limit.

10.3 You must bring the account into cleared credit from time to time. As a minimum, this will mean once a year or if the overdraft facility is specified for a shorter period, on expiry of that period.

10.4 We can also require you to repay any overdraft on your account at any time (unless we have told you in writing that an overdraft on your account is available for a specific period of time). If we have given you an overdraft on your account, we will wherever possible give you at least 30 days' notice to repay it as long as you have not exceeded your overdraft limit and none of the events in Condition 10.5 have occurred.

10.5 If we have made an overdraft on your account available for a specific period of time, we can require you (or your estate in the event that you die) to repay it at any time if:

10.5.1 You are in breach of any of these Conditions;

10.5.2 You fail to make payments into an overdrawn account as required under the relevant facility letter or loan agreement;

10.5.3 You are in breach of any financial obligation you owe to us or anyone else;

10.5.4 Any step application or proceeding is taken by you for an individual voluntary arrangement or composition or reconstruction of your debts or bankruptcy.

10.5.5 Any distress or execution is levied on or affects any of your property or assets;

10.5.6 You are deemed to be unable to pay your debts.

10.6 If you:

10.6.1 Overdraw your account when we have not given you an overdraft on it; or

10.6.2 Exceed the limit of any overdraft that we have given you on your account

You are in breach of these Conditions and must immediately pay sufficient money into your account to put it back into credit (or back within the overdraft limit on your account), taking account of any interest and charges you will have incurred. We have the right to pay off or reduce any overdrawn balance on your account by transferring funds from any other account you hold with us.

11 Responsibility for borrowing

11.1 You are personally responsible for any money you owe us, whether this arises from your own actions or from the actions of someone authorised by you.

11.2 Joint account holders are individually and jointly liable for money owed to us, unless we have agreed otherwise in writing. We have the right to demand repayment from all or any account holders or partners for all or part of such money. Where any of you has an account with us in your sole name, we can set-off these monies against any money owing to us on the joint account even if the accounts are in different currencies and/or jurisdictions.

12 Closing your account

12.1 If we wish to close your account, we will give you at least 30 days' notice in writing unless there are circumstances that justify us in ending our relationship earlier.

12.2 If you are not happy about your choice of account within 14 days of making your first payment into your account, we will help you to switch to another of our accounts or we will close your accounts and pay you the balance in your account with interest at the rate(s) if any applicable to your account. We will ignore any additional charges and any notice period that applies to your account.

12.3 We reserve the right not to close your account until you have returned any plastic cards we have given you and any unused cheques. You must repay any money you owe us, including the amount of any cheques you have issued or card transactions you have made, which have not been taken out of your account, and any charges incurred.

13 Our liability to you and your liability to us

13.1 Subject to the other provisions of this Condition 13, we will be liable to you for any loss, injury or damage resulting from any failure, delay or error in carrying out your instructions unless or to the extent caused by you, but our liability will be limited to the lower of:

13.1.1 the amount of such loss, injury or damage; and

13.1.2 the amount of any interest you do not receive or any interest you have to pay as a result of such failure, delay or error.

13.2 We will not be liable to you if we do not act on your instructions for any reason under conditions or if we cannot carry out our responsibilities under this agreement as a result of anything that we cannot reasonably control. This includes, amongst other things, any machine failing to work, complete or partial closure of any payment or settlement system such as CHAPS, industrial disputes and any act, omission or delay of any agent, correspondent or paying bank, or any third party.

13.3 We will not be liable to you in any circumstances for:

13.3.1 loss of business, loss of goodwill, loss of opportunity, loss of profit; and

13.3.2 any type of special, consequential or indirect loss whatsoever.

13.4 If you wish to make a claim on us under this agreement you must notify us and give us such details of the loss as we may request as soon as you have identified it and in any case within six months after you become aware or should reasonably have become aware of the event or omission on which your claim is based. If you do not do so we will not be liable to you.

13.5 You will reimburse us for any costs incurred, loss, damage or liability we or our agents suffer in acting upon your instructions or resulting from the effect any local laws or regulations have on payments made in accordance with your instructions or as a result of any breach by you of the terms of this agreement.

13.6 You will carefully control the issue of all instructions to us and make sure they are in accordance with the authority you have given us. We will not be liable to you if it can be shown that you have not exercised reasonable control over the operation of, and access to, your account and our services.

14 Savings Accounts

14.1 The terms set out in this clause 14 only apply to savings accounts (the 'Savings Account'). They apply in addition to the remainder of these Conditions, but to the extent that they may be inconsistent with any other provision of these Conditions then the terms in this clause 14 shall prevail..

14.2 The Savings Account is a deposit account and must not be used to carry out business transactions.

14.3 There are no minimum or maximum amounts you may invest in your Savings Account.

14.4 You must ensure that you have sufficient cleared funds in your Savings Account before making a withdrawal. If there are not enough cleared funds in the Savings Account to meet a withdrawal or payment out of the Savings Account we will refuse to carry out an instruction to do so.

14.5 Until further notice, interest is worked out daily, on the cleared balance of the Savings Account at the close of business. Please note that a Savings Account should not become overdrawn. However, if the Savings Account does become overdrawn for any reason, we may charge you interest at the unarranged borrowing rate of interest applicable to the account.

14.6 Interest rates applicable to Savings Accounts (including the unarranged borrowing rate of interest) may change from time to time, but revised rates are available in our branch on the date of change. Rates may be changed for any of the following reasons: (a) movements in the market rates such as Base Rate changes; or (b) to reflect market conditions; or (c) if there are changes in the availability of deposits to us or the rates payable in respect of such deposits; or (d) if in our opinion a variation is otherwise reasonably necessary.

14.7 Credit interest is paid bi-annually, at the end of both June and December. Any debit interest payable will be charged to the Savings Account at the end of each month.

14.8 If we have your written authority to do so, we may pay the interest earned on the Savings Account to another Isbank account held by you at the same branch.

14.9 There are no account charges for making transfers between the Savings Account and any other account you maintain with us.

14.10 If you wish to make a deposit in a currency that is different from that applicable to a particular Deposit Account, e.g. a payment in Sterling into a New Turkish Lira Deposit Account, we will convert the amount at our applicable rate of exchange at the time of the deposit. Should you then wish to re-convert the deposited amount back to the original currency at a later date you should note that the exchange rate used to reconvert the funds will not be the same as that used at the time you made your deposit. This means that the capital amount you receive when your deposit matures may be less than the amount that you would have received had you made a deposit in the original currency. We will not be responsible for any such loss.

15 Notice Accounts

15.1 The terms set out in this clause 15 only apply to notice accounts (the 'Notice Account'). They apply in addition to the remainder of these Terms and Conditions, but to the extent that they may be inconsistent with any other provision of these Terms and Conditions then the terms in this clause 15 shall prevail.

15.2 Notice Accounts are deposit accounts and must not be used for the purposes of business transactions.

15.3 There is no minimum or maximum amount you can invest in a Notice Account.

15.4 You must ensure that you have sufficient cleared funds in your Notice Account before making a withdrawal. If there are not enough cleared funds in the Notice Account to meet a withdrawal or payment out of the Notice Account we will refuse to carry out an instruction to do so.

15.5 We will pay you interest either annually, at the end of December, or at maturity where the requisite notice has been received for withdrawal in full of the capital, at the appropriate Notice Account rates.

15.6 We may at our discretion vary any of the applicable rates of interest at any time. Rates may be changed for any of the following reasons: (a) movements in the market rates such as Base Rate changes; or (b) to reflect market conditions; or (c) if there are changes in the availability of deposits to us or the rates payable in respect of such deposits; or (d) if in our opinion a variation is otherwise reasonably necessary.

15.7 You may make a single withdrawal of up to £500 without notice or penalty from any Notice Account.

15.8 For subsequent withdrawals or with the prior agreement of the Bank you may be able to withdraw your money in full without giving us the relevant period of notice applicable to your Notice Account. However, if you do so you will lose the interest, which would have accrued on the amount withdrawn for the duration of the notice period applicable to the Notice Account.

15.9 If you wish to make a deposit in a currency that is different from that applicable to a particular Deposit Account, e.g. a payment in Sterling into a New Turkish Lira Deposit Account, we will convert the amount at our applicable rate of exchange at the time of the deposit. Should you then wish to re-convert the deposited amount back to the original currency at a later date you should note that the exchange rate used to reconvert the funds will not be the same as that used at the time you made your deposit. This means that the capital amount you receive when your deposit matures may be less than the amount that you would have received had you made a deposit in the original currency. We will not be responsible for any such loss.

15.10 We will issue statements every month and on request for Notice Accounts.

16 Fixed Term Deposit Accounts

16.1 The terms set out in this clause 16 only apply to fixed term deposit accounts (the 'Fixed Term Deposit Account'). They apply in addition to the remainder of these Conditions but to the extent that they may be inconsistent with any other provision in these Terms and Conditions then the terms in this clause 16 shall prevail.

16.2 We will only accept cleared funds as a Fixed Deposit. A cheque used as a deposit must be placed in your current account you hold with us until it has cleared. We will then open your Fixed Deposit by transferring the cleared funds. You will receive the interest rate applicable when your Fixed Deposit is opened.

16.3 The interest rate you receive is fixed for the term of the Fixed Deposit and is calculated daily on the cleared balance. We will tell you what the applicable interest rate is when your Fixed Deposit is opened.

16.4 We will pay you interest when we repay your deposit. The interest may be added to your Fixed Deposit or credited to you by cheque or by automated bank transfer to any UK bank account that you may nominate for such purpose.

16.5 Interest will be paid subject to deduction of any tax that may be due.

16.6 You cannot make additions to your initial Deposit but you can open more than one Fixed Deposit. Each Fixed Deposit will receive interest at the rate applicable at the time of opening.

16.7 No early withdrawals of capital are allowed during the term of the Fixed Deposit either in whole or in part.

16.8 You must contact us at least two working days before your Fixed Deposit matures to let us know what you wish to do on maturity. In the absence of any other instructions, we will renew your Fixed Deposit for the same term at the prevailing interest rate when it matures. If you wish you can provide us with standing instructions when you make a Fixed Deposit or set up an automatic rollover so that until further notice your Fixed Deposit is renewed for the same term at the prevailing interest rate each time it matures.

16.9 If you wish to make a deposit in a currency that is different from that applicable to a particular Deposit Account, e.g. a payment in Sterling into a New Turkish Lira Deposit Account, we will convert the amount at our applicable rate of exchange at the time of the deposit. Should you then wish to re-convert the deposited amount back to the original currency at a later date you should note that the exchange rate used to reconvert the funds will not be the same as that used at the time you made your deposit. This means that the capital amount you receive when your deposit matures may be less than the amount that you would have received had you made a deposit in the original currency. We will not be responsible for any such loss.

17 Confidentiality and Disclosure of information, Data Protection etc

17.1 We will treat any personal or business information you give us as confidential and it will not be disclosed to anyone, other than where:

17.1.1 we are legally required to disclose, or

17.1.2 we have a public duty to disclose, or

17.1.3 our interests requires disclosure, or

17.1.4 the disclosure is made with your consent, or

17.1.5 set out in the terms below.

17.2 We may put the information obtained by us or given by you in your dealings with us on our information systems. This will be used by us for assessment and analysis and so that we can develop and improve our services to you and other customers and protect our interests.

17.3 We will inform you about products and services which may be of interest to you.

17.4 We may give information about you and h