Yes the point regarding why Nat West Private Banking was there is correct. They are after your business later in the long run, when you have that decent paid job. I can't help but agree that perhaps they were a little misguided as to who they are dealing with and how long it will actually be for any of these people to be earning big money.
Never the less, they were still very helpful in explaining what is currently on offer and with what terms and rates. (although I was enquiring about a figure considerably less than most).