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When we can close your account
            We may close your account at any time by giving you at least two months’
            written notice.
            In some situations, we can decide to close your account immediately. We may
            do this if:
            • we think that anyone named on your application has provided false
              information
            •  we suspect that you are using your account for an illegal purpose
            • you were not entitled to apply for, or hold, the account
            • you have not kept to this agreement
            • we have any other valid reason for doing so.
            We’ll let you know if we have to do this.

            Joint accounts
            Each account holder can give instructions independently
            If an account is held jointly, the account is the joint property of both account
            holders. This means that both account holders hold the account and own the
            money in it. Each account holder can independently:
            • use the account with their own password and security information
            • make deposits and withdrawals

            • give any other instruction about the account.
            For the Investment Account, you can choose to manage the account together
            or independently.
            Correspondence
            We write to the account holder named first on the application to open
            the account.

            To remove an account holder from a joint account
            You both need to agree if you want to remove one of the account holders.

            If a joint account holder dies
            If one account holder of a joint account dies, the surviving account holder will
            get ownership of the account, and they will be able to manage the account on
            the same terms as when it was jointly held.








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