Starling Bank Current Account and App Terms and Conditions

Version 1.04: 19 February 2018

Please read this Agreement carefully and make sure you understand it.

AGREEMENT FOR THE PROVISION OF A BANK ACCOUNT AND BANKING SERVICES WITH STARLING BANK LIMITED

Introduction – our agreement with you

What you need to do to have an Account

Checks we do and information regarding tax status

Please check our Privacy Policy for other information about data.

Paying money into or out of your Account

Foreign currency transactions

Overdrafts

Interest you earn or are charged

Fees, Charges and enforcing our rights

Closing your Account and switching your Account

How we keep in touch

What if something goes wrong? Complaints…

Mistaken payments into your Account

Liability

Using the App

App analytics and compatibility

Things you must not do

Security and App security

App availability

Changing this agreement

General and other

Definitions

Schedule 1

International Payment Terms

The following terms apply when you make an International Payment. Please read these International Payments Terms carefully. The terms and conditions in the Agreement apply when you make an International Payment. Terms defined in the Agreement have the same meaning in these International Payment Terms, unless otherwise defined herein. If there is any conflict between the terms of the Agreement and these International Payment Terms, these International Payment Terms will take priority. 1. If you would like to send an International Payment to a new payee, you must add the new payee in the normal way through the App. 2. Subject to paragraphs 3 and 4 below and paragraphs 10-13 and 48-51 of the Agreement in particular, Starling will make each International Payment using the exchange rate, with the fees and charges and within the delivery timeframe as offered to you and accepted by you at the time of confirmation. 3. You must provide all the information required to process an International Payment and ensure that this information is accurate. Otherwise, Starling may not be able to process the International Payment, or the International Payment may be delayed or fail to reach the intended payee. If we become aware that the International Payment has not been processed because the information provided was incomplete or inaccurate, we will let you know and use our reasonable endeavours to assist in retrieving the funds. If any funds are returned to you for any reason, they may need to be re-converted into £ sterling. As a result, the amount you receive may be less or more than you originally paid. 4. Starling accepts no liability for any losses, liabilities, costs, expenses or other charges (whether direct or indirect) (together, “Losses”) arising from or as a result of any delay or failure of an International Payment to reach the intended payee, unless any such Losses arise from Starling’s own fraud, negligence or wilful default. In particular, Starling will not be responsible for the acts or omissions of any third party involved in processing an International Payment on your behalf (including if the payment reference you have used to make the International Payment is cut short by a third party as a result of any internal technical or payment schemerelated restrictions). 5. The amount of the International Payment, as well as all related Fees and Charges incurred, will be debited from your Account immediately.

Schedule 2

Settle Up Terms

The following terms apply to your use of Settle Up. Please read these Settle Up Terms carefully. The terms and conditions in the Agreement apply when you make use of Settle Up. Terms defined in the Agreement have the same meaning in these Settle Up Terms, unless otherwise defined herein. If there is any conflict between the terms of the Agreement and these Settle Up Terms, these Settle Up Terms will take priority. 1. If you would like to use Settle Up, you must follow the instructions set out on the Settle Up screen. 2. Subject to paragraphs 2 and 3 below, Starling will process your Settle Up instruction through the Settle Up function on the App. 3. You must ensure that the information you provide when using Settle Up is complete and accurate. Otherwise, Starling may not be able to process your instructions or your Settle Up instruction may be delayed or fail to reach the intended recipient. 4. Starling will not be liable for any losses, liabilities, costs, expenses or other charges (whether direct or indirect) (together, “Losses”) arising as a result of your use of Settle Up, unless such Losses arise as a result of Starling’s fraud, negligence or wilful default. In particular, Starling will not be liable for your use of the third-party application or software you use to transmit your Settle Up instruction.