Terms & Conditions Our terms and conditions booklet gives you important information you need to know about your Account. In addition to our Savings General Terms and Conditons booklet we also have product Special Conditions for each of our savings accounts which must be read in conjunction with our General Terms and Conditions. (Where there is a conflict between these General Terms & Conditions and the product Special Conditions contained in the product terms, the product Special Conditions will prevail). We are committed to ensuring that our customers fully understand any commitment they are undertaking before they sign any agreement and we strongly recommend that you read all of this document. If you have any questions or concerns, please contact us before you decide to apply for a savings account.