Changing your mind

From the date that you enter into the agreement with us to open your account (or, if later, the date we provide you with the General Terms and Conditions), you have 14 days in the case of a Child Trust Fund, Junior ISA or fixed rate account or 30 days in the case of any other account (including a fixed rate cash ISA) to notify us in writing at either our Head Office or one of our branches that you want to change your mind.  If you notify us within this time, you can:

• Have your money back (assuming we have received cleared funds); or
• Switch to another available account

In this case, you will not have to

• Give any period of notice
• Lose any interest on the account you are closing; or
• Pay any other charges

If you do not exercise your right to change your mind, you will continue to be bound by the terms and conditions and any special conditions that apply to the particular account until your account is closed by you or us.