19. In regulation 12 (conditions for application to open an account that is not a junior ISA account or a Lifetime ISA)—
(a)for paragraph (1) substitute—
“(1) An application by an individual to open an account must—
(a)be made to an account manager in a statement, and
(b)meet the conditions in paragraphs (2), (3) and (4).”;
(b)in paragraph (3)—
(i)in sub-paragraph (b) for “in which the applicant subscribes to the account” substitute “until the account is closed”;
(ii)omit sub-paragraphs (d) and (e);
(iii)in sub-paragraph (f) for “16” substitute “18”;
(iv)omit sub-paragraph (fa);
(c)omit paragraph (11A).