The following conditions apply to your Albion Cheque Account.

(Effective from date of account opening)

Definitions
In these conditions, unless the context requires otherwise:

“Account” means your Albion Cheque Account.
“British Isles” means England, Scotland, Wales and Northern Ireland.
“Card” means any cheque guarantee card that we give or send to you to use with your Account.
“Cheque Book” means any cheque book we give or send to you to use with your Account.
“Costs“ means all our costs and expenses incurred because you fail to fulfil an obligation under these conditions including (but not limited to) the examples given in condition 15.
“Fees“ means the fees we charge for any document or service we provide in connection with the Account including (but not limited to) the examples given in condition 15.
“Our Savings Accounts Rates and Features Leaflet” means the Society’s published list of interest rates, which are currently in force and which will be provided to you, or the contents advised to you, at least once a year.
“Albion Cheque Account Tariff of Fees and Costs” means the Society’s published list of Fees and Costs including debit interest, which are from time to time in force and which will be provided to you, or the contents advised to you, at least once a year.
“Society” means Leeds Building Society.
“We/our/us” means the Society.
“Working Day” means any day which is not a Saturday, Sunday or English Bank Holiday.
“You/your” means the account holder(s) in whose name(s) the Account is held.

If the Account is held in joint names:

• all information regarding the Account will be sent to the first named account holder’s registered address;
• liability to the Society is joint and several, meaning that each named account holder is responsible for all the obligations of the Account;
• if one account holder dies, the Account vests in the name(s) of the survivor(s) and will be automatically transferred to the other(s) on production of the death certificate or a certified copy;
• any account holder named on the Account will be able to withdraw money from the Account and give other instructions as to the operation or closure of the Account without the authority of the other(s);
• it is the responsibility of joint account holders who are partners and become subject to divorce or separation to give notice to the Society if they wish to change the operation of their Account (e.g. if a signatory is to be removed).

In accordance with the Society’s Rules, only the first named of joint account holders is entitled to exercise the rights of membership (such as voting and participation in any distribution of the Society’s assets). Joint account holders may select which of them is to be the representative (i.e. first named) account holder.

Payments into your Account must be made by either cheque, postal order, transfer from another Leeds Building Society account or by way of bank transfer. Cheques and postal orders can be paid in at any branch of Leeds Building Society, or alternatively can be sent to Leeds Building Society by post for the credit of your Account. We are not responsible for cheques, postal orders or any other items lost in the post. When you pay in money by cheque:

• interest is calculated from the second Working Day after the cheque is paid in at the branch or the second Working Day after the cheque is received at the Society's Head Office. Cheques received after 3:30pm will be held over until the next Working Day before being processed;
• the cheque should be made payable to the account holder(s) or to Leeds Building Society and where it is made payable to Leeds Building Society it should include on the payee line details of the Account number and/or name of the account holder(s) to whom the cheque is being paid. For example, "Leeds Building Society re Mr A B Smith", or "Leeds Building Society re a/c no. 1234567890". We may not accept cheques that are payable only to Leeds Building Society unless they are drawn on an account which matches the name(s) of the account holder(s) on the Leeds Building Society account;
• the cheque may be returned unpaid due to lack of funds, the cheque being stopped, irregularities in the way the cheque has been completed or other reasons as determined by the bank on which the cheque has been drawn. In such circumstances the Society will debit the value of the cheque to your Account and may apply a Cost for this;
• the cheque will normally be deemed as being out of date if it is paid in more than six months after its date. We will use our discretion when deciding whether or not to pay an out of date cheque into your Account. We may contact you if an out of date cheque is presented;
• cheques paid into your Account should be crossed “account payee only”.

You can only make withdrawals from your Account in the following ways:

• bank transfer;
• Direct Debit;
• cheque;
• standing orders;
• transfers to other Society accounts;
• other authorised automated payments.

We will debit your Account with the amount of:

• any cheques you write;
• any Direct Debits, standing orders and other automated payments you have instructed us to pay (including bank transfers);
• the amount of cheques paid into your Account which are subsequently returned unpaid;
• any Fees and Costs which are incurred in the operation of your Account;
• any loss or expense which the Society suffers in connection with your Account;
• any other transaction which you have authorised.

We reserve the right to refuse to pay Direct Debits, cheques you have written (other than those which we guarantee), standing orders and other automated payments because you have an insufficient cleared balance in your Account, even though money to cover the payment is paid into your Account later on the same day. This is because we check the balance of your Account at the start of the day.

If you wish to close your Account you must first:

• give us notice;
• return all unused cheques along with any Card(s) and Cheque Book(s) issued; and
• pay all amounts you owe us on your Account, including any Fees and Costs due.

We guarantee in any single transaction, the payment of only one cheque taken from your Cheque Book for up to £250 provided:

• the cheque bears the same name and sort code number, where printed, as the Card;
• the cheque is dated with the actual date of issue;
• if it is signed, before expiry of the Card, in the British Isles in the presence of the payee by the person whose signature appears on the Card;
• the Card number is written on the reverse of the cheque by the payee;
• the Card has not been altered or defaced.

You must sign your Card(s) issued to you in permanent ink as soon as you receive it and take reasonable care to prevent your Card being lost or stolen, or used by a third party. In particular:

• never let anyone else use your Card;
• keep your Card separate from your Cheque Book.

1. Where we charge a Fee because you ask us to provide a document or service in connection with the Account, whether to you or anyone else and the amount of the Fee is set out in our Albion Cheque Account Tariff of Fees and Costs, it may only be changed in accordance with conditions 15.5, 15.6 and 15.7. Examples of activities we may charge a Fee for under this condition include (but are not limited to):
   
   
   • copy documents (including duplicate statements, cheques etc.);
   • telegraphic transfers (CHAPs payments);
   • cheques credited to your Account which are unpaid;
   • transfers of funds to cover cheques, Direct Debits and standing orders where there are insufficient available funds;
   • unauthorised overdrafts resulting from the misuse of the Card and/or Cheque Book;
   • unauthorised overdrafts;
   • stopped cheques.
     
     
2. Where we incur a Cost because you fail to fulfil an obligation you have under these conditions, you must pay us all reasonable Costs which we reasonably incur as a result of your failure. Where we have made a genuine pre-estimate of the expenses we are likely to incur, the amount of the Costs we will charge is set out in our Albion Cheque Account Tariff of Fees and Costs and may only be changed in accordance with conditions 15.5, 15.6 and 15.7. Examples of activities we may charge for under this condition include (but are not limited to):
   
   
   • cheques drawn on your Account which are unpaid;
   • unpaid Direct Debits;
   • unpaid standing orders;
   • a management charge for reviewing your Account and communicating with you regarding the operation of your Account outside the agreed Account conditions.

We can at any time vary the Fees or Costs set out in our Albion Cheque Account Tariff of Fees and Costs if it is to your advantage (for example if we reduce or abolish any Fee or Cost) or we can at any time vary or add to the Fees or Costs set out in our Albion Cheque Account Tariff of Fees and Costs for any one or more of the following reasons (which may relate to circumstances existing at the time or those which we reasonably expect to apply in the near future):

• to respond, in a proportionate manner, to changes in the expenses which we reasonably incur in carrying out the relevant activities;
• to respond, in a proportionate manner, to changes in technology or general practice in the personal savings market;
• to respond, in a proportionate manner, to changes we may reasonably make in the activities we carry out or to carry out new activities;
• to respond, in a proportionate manner, to changes in the law or the interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply;
• to enable us to harmonise, in a reasonable manner, the Fees and Costs concerned following any acquisition or transfer of deposit or savings accounts or any takeover of, or merger with, another deposit taker or savings provider;
• to correct an error, if it is reasonable to do so;
• to enable us to maintain our financial strength in the interests of all our customers;
• to respond, in a proportionate manner, to increases in inflation;
• if we have not previously charged, or charged the full cost, for any activity or service, to reflect the costs which we reasonably incur in carrying out the activity or service.

We may also increase or add to the Fees or Costs set out in our Albion Cheque Account Tariff of Fees and Costs at any time, for any valid reason (not being a reason mentioned in condition 15.5). If we do so:

• we will give you individual notice at least 30 days before the change is to take effect;
• we will tell you the change is made under this condition 15.7 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 30 days or if greater, a period of time equal to your notice period, to close your Account without notice or without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.

We can change the interest rate to be paid on your Account at any time if we reasonably believe that the change is to your advantage or is needed for any one or more of the following reasons (which may relate to circumstances existing at the time or those which are expected to apply in the near future):

• to respond, in a proportionate manner, to changes in the Bank of England repo rate (base rate) or changes generally in the interest rates offered by our competitors in the personal savings market;
• to enable us to maintain the competitiveness of interest rates charged to our borrowers or paid to the providers of funds to us, while having regard to the interests of our investors, in the interests of our business as a whole;
• to manage margins between interest rates charged to our borrowers and interest rates paid to our investors or the providers of funds to us, in the interests of our business as a whole;
• to respond, in a proportionate manner, to any increase or reduction in costs reasonably incurred by the Society in operating its personal savings business;
• to enable us to maintain our financial strength in the interests of all our customers;
• to enable us to harmonise, in a reasonable manner, the interest rates being paid to investors following any acquisition or transfer of deposit or savings accounts or any takeover of, or merger with another savings provider or deposit taker; and
• to respond, in a proportionate manner, to changes in the law or the interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply.

We will notify you of any change under condition 16.1 either by:

• notice to you individually within 30 days of the change taking effect; or
• a general notice displayed in our branches and on our website, and by advertisement in two national newspapers (selected at our discretion from The Times, The Telegraph and The Daily Mail) within 3 Working Days of the change taking effect. For postal or internet Accounts details of changes will be given to you by individual notice within 30 days of the change taking effect.

We may also change the interest rate to be paid at any time for any valid reason (not being a valid reason mentioned in condition 16.1). If we do so:

• we will give you individual notice of the change before, or as soon as reasonably practicable after, such change is to take effect;
• we will tell you that the change is made under this condition 16.3 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 60 days, or if greater, a period of time equal to your notice period, to close your Account without notice or without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.

We may vary these conditions (other than in respect of changes to interest rates or Fees and Costs) at any time for any of the following reasons:

• to respond, in a proportionate manner, to changes in the products or services we provide or the way we provide these;
• to respond, in a proportionate manner, to changes in technology or general practice in the personal savings market;
• to respond, in a proportionate manner, to changes in the law or interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply;
• to correct errors, if it is reasonable to do so;
• if we reasonably believe the change is necessary in the interests of our business as a whole;
• if the change is to your advantage.

We may also vary these conditions (other than in respect of changes to interest rates or Fees and Costs) at any time for any valid reason (not being a valid reason mentioned in condition 16.5). If we do so:

• we will give you individual notice at least 30 days before the change is to take effect;
• we will tell you that the change is made under this condition 16.8 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 60 days, or, if greater, a period of time equal to your notice period, to close your Account without notice and without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.

We will only give details of your Account or personal details to anyone else if:

• you have specifically requested or consented to the disclosure;
• the law requires us to do so;
• our interests make disclosure necessary; or
• we have a public duty to disclose.

• you owe us money on your Account;
• we have asked you in writing to pay this money;
• you do not dispute that you owe us money; and
• you have not made satisfactory arrangements for repayment.

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The following conditions apply to your Premier Current Account.

(Effective from date of account opening)

Definitions
In these conditions, unless the context requires otherwise:
“Account” means your Premier Current Account.
“Account Documents” means your Passbook or your Cheque Book(s) and Card(s) (as the case may be).
“British Isles” means England, Scotland, Wales and Northern Ireland.
“Card” means any cheque guarantee card that we give or send to you to use with your Account.
“Cheque Book” means any cheque book we give or send to you to use with your Account.
“Costs” means all our costs and expenses incurred because you fail to fulfil an obligation under these conditions including (but not limited to) the examples given in condition 16.
“Fees” means the fees we charge for any document or service we provide in connection with the Account including (but not limited to) the examples given in condition 16.
“Our Savings Accounts Rates and Features Leaflet” means the Society’s published list of interest rates, which are currently in force and which will be provided, to you or the contents advised to you, at least once a year.
“Passbook” means any passbook we give or send to you to use with your Account.
“Premier Current Account Tariff of Fees and Costs” means the Society’s published list of Fees and Costs including debit interest, which are from time to time in force and which will be provided to you, or the contents advised to you, at least once a year.
“Society” means Leeds Building Society.
“We/our/us” means the Society.
“Working Day” means any day which is not a Saturday, Sunday or English Bank Holiday.
“You/your” means the account holder(s) in whose name(s) the Account is held.

If the Account is held in joint names:

• all information regarding the Account will be sent to the first named account holder’s registered address;
• liability to the Society is joint and several, meaning that each named account holder is responsible for all the obligations of the Account;
• if one account holder dies, the Account vests in the name(s) of the survivor(s) and will be automatically transferred to the other(s)
• on production of the death certificate or a certified copy;
• unless you have given us written notice to the contrary in accordance with condition 2.3, any account holder named on the Account will be able to withdraw money from the Account and give other instructions as to the operation or closure of the Account without the authority of the other(s);
• it is the responsibility of joint account holders who are partners and become subject to divorce or separation to give notice to the Society if they wish to change the operation of their Account (e.g. if a signatory is to be removed).

Payments into your Account can be made by cash, cheque, postal order, transfer from another Leeds Building Society account or by way of bank transfer. Cash, cheques and postal orders can be paid in at any branch of Leeds Building Society. Cheques and postal orders (but not cash) can also be sent to Leeds Building Society by post for the credit of your Account. We are not responsible for cheques, postal orders or any other items lost in the post. When you pay in money by cheque:

• interest is calculated from the second Working Day after the cheque is paid in at the branch or the second Working Day after the cheque is received at the Society's Head Office. Cheques received after 3:30pm will be held over until the next Working Day before being processed;
• the cheque should be made payable to the account holder(s) or to Leeds Building Society and where it is made payable to Leeds Building Society it should include on the payee line details of the Account number and/or name of the account holder(s) to whom the cheque is being paid. For example, "Leeds Building Society re Mr A B Smith", or "Leeds Building Society re a/c no 1234567890". We may not accept cheques that are payable only to Leeds Building Society unless they are drawn on an account which matches the name(s) of the account holder(s) on the Leeds Building Society account;
• the cheque may be returned unpaid due to lack of funds, the cheque being stopped, irregularities in the way the cheque has been completed or other reasons as determined by the bank on which the cheque has been drawn. In such circumstances the Society will debit the value of the cheque to your Account and may apply a Cost for this;
• the cheque will normally be deemed as being out of date if it is paid in more than six months after its date. We will use our discretion when deciding whether or not to pay an out of date cheque into your Account. We may contact you if an out of date cheque is presented;
• cheques paid into your Account should be crossed “account payee only”.

You may not pay in money in a currency which is not legal tender in the UK. Payments into your Account cannot be accepted if made by way of:

• foreign currency;
• foreign currency travellers cheques;
• cheques from foreign banks;
• cheques in foreign currency.

You can only make withdrawals from your Account in the following ways:

• cash withdrawals (subject to the applicable daily limit from time to time in force, details of which are available from your local branch or our Customer Helpline);
• bank transfer;
• Direct Debit;
• cheque;
• standing orders;
• transfers to other Society accounts;
• other authorised automated payments.

We will debit your Account with the amount of:

• all cash withdrawals from your Account;
• any cheques you write;
• any Direct Debits, standing orders and other automated payments you have instructed us to pay (including bank transfers);
• the amount of cheques paid into your Account which are subsequently returned unpaid;
• any Fees and Costs which are incurred in the operation of your Account;
• any loss or expense which the Society suffers in connection with your Account;
• any other transaction which you have authorised.

If you wish to close your Account you must first:

• give us notice;
• return all of your Account Documents including any unused cheques; and
• pay all amounts you owe us on your Account, including any Fees and Costs due.

We guarantee in any single transaction, the payment of only one cheque taken from your Cheque Book for up to £100 provided:

• the cheque bears the same name and sort code number, where printed, as the Card;
• the cheque is dated with the actual date of issue;
• if it is signed, before expiry of the Card, in the British Isles in the presence of the payee by the person whose signature appears on the Card;
• the Card number is written on the reverse of the cheque by the payee;
• the Card has not been altered or defaced.

You must sign any Card(s) issued to you in permanent ink as soon as you receive it and take reasonable care to prevent your Card being lost or stolen, or used by a third party. In particular:

• never let anyone else use your Card;
• keep your Card separate from your Cheque Book.

1. Where we charge a Fee because you ask us to provide a document or service in connection with the Account, whether to you or anyone else and the amount of the Fee is set out in our Premier Current Account Tariff of Fees and Costs, it may only be changed in accordance with conditions 16.5, 16.6 and 16.7. Examples of activities we may charge a Fee for under this condition include (but are not limited to):



• copy documents (including duplicate statements, cheques etc);
• telegraphic transfers (CHAPs payments);
• cheques credited to your Account which are unpaid;
• transfers of funds to cover cash withdrawals, cheques, Direct Debits and standing orders where there are insufficient available funds;
• authorised overdrafts;
• unauthorised overdrafts;
• unauthorised overdrafts resulting from the misuse of the Card and/or Cheque Book;
• stopped cheques.


2. Where we incur a Cost because you fail to fulfil an obligation you have under these conditions, you must pay us all reasonable Costs which we reasonably incur as a result of your failure. Where we have made a genuine pre-estimate of the expenses we are likely to incur, the amount of the Costs we will charge is set out in our Premier Current Account Tariff of Fees and Costs and may only be changed in accordance with conditions 16.5, 16.6 and 16.7. Examples of activities we may charge for under this Condition include (but are not limited to):
   
   
   • cheques drawn on your Account which are unpaid;
   • unpaid Direct Debits;
   • unpaid standing orders;
   • a management charge for reviewing your Account and communicating with you regarding the operation of your Account outside the agreed Account conditions.

We can at any time vary the Fees or Costs set out in our Premier Current Account Tariff of Fees and Costs if it is to your advantage (for example if we reduce or abolish any Fee or Cost) or we can at any time vary or add to the Fees or Costs set out in our Premier Current Account Tariff of Fees and Costs for any one or more of the following reasons (which may relate to circumstances existing at the time or those which we reasonably expect to apply in the near future):

• to respond, in a proportionate manner, to changes in the expenses which we reasonably incur in carrying out the relevant activities;
• to respond, in a proportionate manner, to changes in technology or general practice in the personal savings market;
• to respond, in a proportionate manner, to changes we may reasonably make in the activities we carry out or to carry out new activities;
• to respond, in a proportionate manner, to changes in the law or the interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply;
• to enable us to harmonise, in a reasonable manner, the Fees and Costs concerned following any acquisition or transfer of deposit or savings accounts or any takeover of, or merger with, another deposit taker or savings provider;
• to correct an error, if it is reasonable to do so;
• to enable us to maintain our financial strength in the interests of all our customers;
• to respond, in a proportionate manner, to increases in inflation;
• if we have not previously charged, or charged the full cost, for any activity or service, to reflect the costs which we reasonably incur in carrying out the activity or service.

We may also increase or add to the Fees or Costs set out in our Premier Current Account Tariff of Fees and Costs at any time, for any valid reason (not being a reason mentioned in condition 15.5). If we do so:

• we will give you individual notice at least 30 days before the change is to take effect;
• we will tell you that the change is made under this condition 16.7 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 30 days or if greater, a period of time equal to your notice period, to close your Account without notice or without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.

We can change the interest rate to be paid on your Account at any time if we reasonably believe that the change is to your advantage or is needed for any one or more of the following reasons (which may relate to circumstances existing at the time or those which are expected to apply in the near future):

• to respond, in a proportionate manner, to changes in the Bank of England repo rate (base rate) or changes generally in the interest rates offered by our competitors in the personal savings market;
• to enable us to maintain the competitiveness of interest rates charged to our borrowers or paid to the providers of funds to us, while having regard to the interests of our investors, in the interest of our business as a whole;
• to manage margins between interest rates charged to our borrowers and interest rates paid to our investors or the providers of funds to us, in the interests of our business as a whole;
• to respond, in a proportionate manner, to any increase or reduction in costs reasonably incurred by the Society in operating its personal savings business;
  • to enable us to maintain our financial strength in the interests of all our customers;
• to enable us to harmonise, in a reasonable manner, the interest rates being paid to investors following any acquisition or transfer of deposit or savings accounts or any takeover of, or merger with another savings provider or deposit taker; and
• to respond, in a proportionate manner, to changes in the law or the interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply.

We will notify you of any change under condition 17.1 either by:

• notice to you individually within 30 days of the change taking effect; or
• a general notice displayed in our branches and on our website, and by advertisement in two national newspapers (selected at our discretion from The Times, The Telegraph and The Daily Mail) within 3 Working Days of the change taking effect. For postal or internet Accounts details of changes will be given to you by individual notice within 30 days of the change taking effect.

We may also change the interest rate to be paid at any time for any valid reason (not being a valid reason mentioned in condition 17.1). If we do so:

• we will give you individual notice of the change before, or as soon as reasonably practicable after, such change is to take effect;
• we will tell you that the change is made under this condition 17.3 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 60 days, or if greater, a period of time equal to your notice period, to close your Account without notice or without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.

We may vary these conditions (other than in respect of changes to interest rates or Fees and Costs) at any time for any of the following reasons:

• to respond, in a proportionate manner, to changes in the products or services we provide or the way we provide these;
• to respond, in a proportionate manner, to changes in technology or general practice in the personal savings market;
• to respond, in a proportionate manner, to changes in the law or the interpretation of the law, decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice with which we intend to comply;
• to correct errors, if it is reasonable to do so;
• if we reasonably believe the change is necessary in the interests of our business as a whole;
• if the change is to your advantage.

We may also vary these conditions (other than in respect of changes to interest rates or Fees and Costs) at any time for any valid reason (not being a valid reason mentioned in condition 17.5). If we do so:

• we will give you individual notice at least 30 days before the change is to take effect;
• we will tell you that the change is made under this condition 17.8 in the notice we send you; and
• if we require you to give notice before making a withdrawal or restrict the amount you may withdraw and/or number of withdrawals you may make in any period, then from the date you receive notice of the change you will have a minimum of 60 days, or, if greater,a period of time equal to your notice period, to close your Account without notice and without loss of interest and without paying any Fees and/or Costs for withdrawal which would otherwise be due.