Privilege and Privilege Premier current accounts - How to enjoy the benefits 210mm - The Co-operative ...

 
Privilege and Privilege Premier current accounts - How to enjoy the benefits 210mm - The Co-operative ...
210mm

     Privilege and Privilege Premier
     current accounts
     How to enjoy the benefits

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Privilege and Privilege Premier current accounts - How to enjoy the benefits 210mm - The Co-operative ...
2 How your benefits stack up
How your benefits stack up

                             With our Privilege and Privilege Premier current accounts,                                                                                                                               N
                             you can make life and your banking a lot easier all round.                                                                                                                               O
                                                                                                                                                                                                                      a
                             Here’s a taster of the benefits available.

                                                                                                                                                                                                                      C
                                                                                                                                                                                                                      E
                                                                                                                                                                                                                      •
                                                                                                                                                                                                                      S

                             The Privilege current account – a taster                                       Privilege Premier current account – more on top
                             • Worldwide travel insurance.                                                  With a Privilege Premier current account, you also enjoy some extra benefits
                             • Mobile phone insurance.                                                      on top of what you get with our Privilege current account.
                             •	An automatic £200 overdraft. The first £200 is interest-free. An arranged   •	UK and European breakdown cover (if it is a joint account, both
                                overdraft above £200 is charged at 15.9% EAR and an unarranged                 customers are covered).
                                overdraft is charged at 18.9% EAR. Subject to status. The monthly cap on    •	A higher automatic £300 overdraft rate. The first £300 overdraft is
                                unarranged overdraft charges for your Privilege current account is £60.        interest‑free. An arranged overdraft above £300 is charged at 15.9%
                                Further details can be found on Page 7.                                        EAR* and an unarranged overdraft is charged at 18.9% EAR. Subject
                             •	Privilege Savings account for the life of your Privilege current account.      to status. The monthly cap on unarranged overdraft charges for your                                    F
                             •	Choice of one additional tailored benefit (see pages 11 and 12).               Privilege Premier current account is £60. Further details can be found
                                                                                                               on Page 10.
                              Representative example                                                        •	Privilege Premier Savings account for the life of your Privilege Premier
                              The advance of credit of            £1200                                        current account.
                              at an interest rate of              15.9% EAR* variable                       Get more information on these extra savings see page 10.
                                                                                                            *EAR stands for Equivalent Annual Rate. This is the interest on the money you borrow, equivalent
                                                                                                            to if you borrow the money for a whole year.

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Privilege and Privilege Premier current accounts - How to enjoy the benefits 210mm - The Co-operative ...
How your benefits stack up 3

                                                                                                                                                                                                           How your benefits stack up
     Now pick one of three additional benefits to suit you at no extra charge!
     Our Privilege and Privilege Premier current accounts also come with a choice of one of three additional benefits – giving you the chance to shape your account
     around your individual lifestyle needs. Simply choose the one that suits you best...

     Credit Report Monitoring**                                          Airport Lounge Passes**                                              Gadget**
     Enjoy added personal security.                                      For airport travellers.                                              Protect your portable devices and gadgets.
     •	Credit Report Monitoring service.                                •	Airport Lounge Passes (four passes per year to                    •	Cover against theft, accidental and malicious
                                                                            selected airport lounges around the world).                          damage for your registered items.
     Start feeling safer; see page 11.
                                                                         Travel extras ready to go; see page 11.                              •	Gadget accessories cover included.
                                                                                                                                              •	Mechanical or electrical breakdown cover
                                                                                                                                                 included.
                                                                                                                                              Cover for your gadgets; see page 12.

     For more information, please refer to the Policy Summaries.

       Now’s the time to choose!
       There are three additional benefits to choose from. You have 60 days^ from the date you opened your account to select which additional benefit you’d like.
       To register your choice: Call 0345 602 5783 or visit co-operativebank.co.uk/benefits
       ^If we don’t hear from you in that time, we’ll automatically allocate you the Credit Report Monitoring benefit, which will be fixed for up to 12 months.

     **Registration to activate the policy or service is required. You can do this online at co-operativebank.co.uk/benefits or by calling 0345 602 5783. Limitations apply.

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4 Privilege current account benefits
Privilege current account

                            Squeeze more out of your banking with your
                            Privilege current account.
                            Starting here...

                            Worldwide travel insurance
                            Active from the moment you open your Privilege current account.
                            Covers you, your partner and all dependent children travelling with you
                            aged 22 years or under (including legally adopted, legal ward/guardianship,
                            foster and stepchildren) who at the start date of the journey are living at
                            your address or have a term-time address, and have no other permanent
                            residence unless they are residing with their other parent. Please see the
                            full definition of Dependent Children within the Policy document for full
                            information.
                            •	Eligible family members are only covered when travelling with account
                               holders.                                                                          •	There are a number of sports activities and winter sports that are
                            •	Existing medical conditions and medical conditions under investigation               excluded. Please refer to the policy document.
                               may affect your cover.                                                            •	Cover under your policy will cease when you reach 80 years of age or
                            •	You must notify AXA of any relevant medical condition as detailed within             when your current account is closed or the policy is cancelled, whichever
                               the policy document, and if this changes, notify AXA immediately.                    is earlier.
                               All medical conditions must be re-notified to AXA at least every 12 months.       •	Cover for holidays involving winter sports activities is not operative if you
                            • Excesses may apply to claims.                                                         are 65 years of age or older.

                            •	Trips involving winter sports activities are limited to 21 days in total in any   • There’s no cover for trips over 45 consecutive days’ duration.
                               12-month period.

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Privilege current account 5

                                                                                                                                                                              Privilege current account
     •	Any trip solely within the UK is only covered where you’ve pre-booked at      Provided by AXA Travel Insurance and underwritten by Inter Partner
        least two nights’ accommodation in a hotel, motel, holiday camp, bed and      Assistance.
        breakfast, holiday cottage or similar accommodation rented for a fee.
                                                                                      See terms and conditions for full policy details. Limitations apply.
     •	If it’s a joint account, the first and second named account holders can
        travel independently but the children are only covered when travelling with
        one or both account holders.
     •	For joint account holders who are not spouses or partners, cover is not
        provided for the spouse or partner of either account holder.
     •	Missed departure cover is for if you arrive at your international departure
        point, from the UK, too late to board your scheduled public transport.
     •	You are not covered for business trips.

      IMPORTANT! Existing medical conditions
      • If you or any person travelling under this insurance have any medical conditions, whether these are diagnosed or not (this includes those under
        investigation), you may need to notify AXA. AXA will advise you if this will affect your cover and whether an additional premium will apply. If there are
        any changes in your health, you must notify AXA, otherwise the insurance may not be valid.
      • You must update AXA on existing medical conditions every year, not just at the outset.
      • You must inform AXA of any change in your health or the health of anyone covered by the policy.

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6 Privilege current account
Privilege current account

                            Mobile phone insurance
                            A lost, stolen or damaged mobile can be expensive and inconvenient.
                            The cover that comes with your account really takes the pressure off,
                            should this happen.
                            •	Insures up to four handsets, up to the value of £1,500 per phone, so your
                               family can benefit too.
                            •	Covers the cost of repair or replacement in the event of theft, loss,
                               damage or breakdown (including faults) occurring anywhere in the world.
                            • Includes any accessories for your mobile phone if they are lost, stolen or
                              damaged at the same time as your mobile phone; you are covered for
                              these up to a value of £350 (including VAT). That’s cases, headphones,
                              Bluetooth headsets and other similar items.                                   Registering your mobile phone
                                                                                                            To help us administer your policy more effectively and to help simplify
                            •	Worldwide cover means you or your family members needn’t worry about
                               losing a phone whilst abroad. Repair or replacement will be arranged upon    the claims process, you can provide us with your mobile phone details.
                               return to the UK.                                                            This can be done through co-operativebank.co.uk/benefits or by
                                                                                                            calling 0344 249 9981.
                            •	You may need to provide proof of purchase to claim under the mobile
                               phone insurance.                                                             You’ll need the following information when registering your handset:
                            •	Cover under this policy is limited to up to a maximum of two successful      • Make.
                               claims during any 12-month period per account holder.                        • Model.
                            •	There’s a policy excess payable for every successful claim. If you have an   • IMEI number. The IMEI number is the unique serial number for your
                               Apple iPhone, the excess is £75 and for all other handsets it’s £50.           mobile phone. You can find it by inputting *#06# into your mobile
                            Mobile phone insurance is provided on behalf of The Co-operative Bank             phone. It should also be noted on the documentation that came with
                            by Lifestyle Services Group Limited and underwritten by Assurant General          your mobile phone when you purchased it. Your airtime provider may
                            Insurance Limited.                                                                also be able to provide it to you.
                                                                                                            • Telephone number.
                                                                                                            Cover is subject to the terms and conditions which can be viewed at
                                                                                                            co-operativebank.co.uk/benefits. Limitations apply.

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Privilege current account 7

                                                                                                                                                                                                Privilege current account
     More benefits – from spending to saving
     £200 overdraft                                                                    Your linked savings account
     To make sure you’re not caught short unexpectedly, your Privilege current         When you opened your Privilege current account, we automatically opened
     account comes with an automatic £200 overdraft. The first £200 is                 a Privilege savings account for you. It’s a brilliant way to make more of your
     interest‑free. An arranged overdraft above £200 is charged at 15.9% EAR           money quickly and easily. Here’s why...
     and an unarranged overdraft is charged at 18.9% EAR. Subject to status.
                                                                                       •	You can transfer money quickly and easily between your current and
     Monthly cap on unarranged overdraft charges                                          savings account, earning interest on it as you go along.
     The monthly cap on unarranged overdraft charges for your Privilege current        •	It pays a rate of interest which is guaranteed to track up to a maximum of
     account is £60.                                                                      0.3% below the Bank of England Base Rate, for the life of your Privilege
     1. Each current account will set a monthly maximum charge for:                       current account†.

     (a) going overdrawn when you have not arranged an overdraft; or
     (b) going over/past your arranged overdraft limit (if you have one).
     2. This cap covers any:
     (a) interest and fees for going over/past your arranged overdraft limit;
     (b) fees for each payment your bank allows despite lack of funds; and
     (c) fees for each payment your bank refuses due to lack of funds.
     Need a little more on top?
     If you need a higher limit and wish to apply for an arranged overdraft, contact
     us on 03457 212 212 (6am - 10pm, 7 days a week).
     Please refer to the Account Charges Leaflet for details.

                                                                                       We’ll pay you gross interest on your savings. To find out how you may need to pay tax on the
                                                                                       interest, please visit www.gov.uk/hmrc/savingsallowance

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8 Privilege current account
Privilege current account

                            Loans
                            If you need to borrow money over the short or long term, we offer our
                            customers straightforward loans with fixed repayments so you always know
                            exactly how much they’re costing you. And because we’re responsible
                            lenders, we never let you borrow more than you can afford to repay.
                            • Borrow between £2,000 to £25,000.
                            • Spread your loan repayments over one to seven years.
                            For available rates please contact us.

                             To find out more call us on 0800 346 494 and have your Privilege or
                             Privilege Premier current account number to hand.

                             IMPORTANT! Your cover and charges
                             • You may not use or be eligible for all the benefits available on this account, however, the monthly cost will remain the same.
                             • Please check to ensure if you already have travel insurance, mobile phone cover and/or motor breakdown cover in place with any other provider,
                               even if it’s part of another bank account. If you do, you need to check whether this product is suitable for your needs. You need to ensure that you
                               are not paying for more insurance than you need, and you must be aware that you may only be able to make a claim on one policy at any one time.
                             • The cost of the account will remain the same regardless of whether you use any of the benefits or not and will continue to be charged unless or until
                               you ask to change your account.

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Privilege Premier current account 9

                                                                                                                                                                       Privilege Premier current account
     Take all the benefits and discounts of the Privilege
     current account – then add extras on top. That’s what
     you get with your Privilege Premier current account.
     Starting right here...

     UK and European motor
     breakdown cover
     When you’re on the road, it’s great to have the peace of mind and
     reassurance that comes from comprehensive motor breakdown cover.
     Your UK and European breakdown cover includes:
     •	Personal-based breakdown cover for the named account holder(s),
        NOT the vehicle.                                                             Also good to know
     • Roadside assistance to repair your vehicle.
                                                                                     RAC has been a breakdown organisation since 1897.
     •	Recovery for up to eight people and your vehicle to any destination within
        the UK.                                                                      •	RAC has more patrols per member than any other breakdown provider.

     • Breakdown assistance at your home.                                            • RAC patrols fix four out of five cars at the roadside.
     •	Replacement car for up to one day while your vehicle is being fixed,
        overnight accommodation or an alternative form of transport.                  IMPORTANT! Keep the enclosed policy document handy.
     Your vehicle must be roadworthy and in good mechanical condition when you        You’ll find breakdown cover policy details in this Welcome Pack.
     obtain cover and you must keep it in that condition.                             Put them in your glove compartment and store the emergency
                                                                                      assistance number in your phone.
     UK and European motor breakdown cover is provided on behalf of
                                                                                      Emergency assistance number: 0344 249 9981 (option 1).
     The Co-operative Bank by RAC.

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10 Privilege Premier current account
Privilege Premier current account

                                    Extras to help with your spending and saving
                                    £300 overdraft                                                               Your Privilege Premier linked
                                    Your Privilege Premier current account allows you to tap into a £300
                                    overdraft which was set up automatically when you opened your Privilege
                                                                                                                 savings account
                                    Premier current account. The first £300 is interest-free. An arranged        When you opened your Privilege Premier current account, we automatically
                                    overdraft above £300 is charged at 15.9% EAR and an unarranged overdraft     opened a Privilege Premier savings account for you. It’s a brilliant way to
                                    is charged at 18.9% EAR. Subject to status.                                  make more of your money quickly and easily. Here’s why...
                                    Monthly cap on unarranged overdraft charges                                  •	You can transfer money quickly and easily between your current and
                                                                                                                    savings accounts, earning interest on it as you go along.
                                    The monthly cap on unarranged overdraft charges for your Privilege Premier
                                    current account is £60.                                                      •	It pays a rate of interest on balances up to £100,000 which is guaranteed
                                                                                                                    to track up to a maximum of 0.1% below the Bank of England Base Rate
                                    1. Each current account will set a monthly maximum charge for:                  for the life of your Privilege Premier current account^.
                                    (a) going overdrawn when you have not arranged an overdraft; or              ^We’ll pay you gross interest on your savings. To find out how you may need to pay tax on the
                                                                                                                 interest, please visit www.gov.uk/hmrc/savingsallowance
                                    (b) going over/past your arranged overdraft limit (if you have one).
                                    2. This cap covers any:
                                    (a) interest and fees for going over/past your arranged overdraft limit;
                                    (b) fees for each payment your bank allows despite lack of funds; and
                                    (c) fees for each payment your bank refuses due to lack of funds.
                                    Need a higher limit? You can apply for an arranged overdraft by contacting
                                    03457 212 212 (6am - 10pm, 7 days a week).                                       Remember…
                                                                                                                     Your Privilege Premier savings account rate tracks 0.1% below the
                                    Please refer to the Account Charges leaflet for details.
                                                                                                                     Bank of England Base Rate on balances up to £100,000, guaranteed
                                                                                                                     for as long as you hold your Privilege Premier current account.
                                                                                                                     It’s easy to start saving now, call 03457 212 212 (6am - 10pm,                                        *
                                                                                                                                                                                                                           c
                                                                                                                     7 days a week) for more information or pop into your local branch.
                                                                                                                                                                                                                           M

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Additional benefits information 11

                                                                                                                                                                                      Additional benefits information
     The ‘additional benefits’ in more detail
     Choose one of three additional benefits available with both the Privilege and Privilege Premier current accounts.
     More details about each additional benefit is provided below – it should help you decide which is the right one for you.

       IMPORTANT! Register your selection within 60 days                                        Choose from the following three
       Once you’ve chosen your additional benefit, you must register it.                        additional benefits:
       Remember you must make your selection within 60 days of opening
       your account.
                                                                                                Credit Report Monitoring**
       We’ll then send you a full information pack telling you everything you
                                                                                                As well as having easy online access to your credit report, we’ll set up
       need to know. If we don’t hear from you in that time, we’ll automatically
                                                                                                a monthly monitoring service which will alert you by text or email of any
       allocate you the Credit Report Monitoring benefit which will be fixed for
                                                                                                significant changes to your credit file.
       up to 12 months – just to make sure you don’t miss out.
                                                                                                Subject to terms and conditions.

                                                                                                Airport Lounge Passes**
                                                                                                •	Four Airport Lounge Passes per year, per account, for the account
                                                                                                   holder(s) only to enjoy.
                                                                                                •	If you wish to take guests with you, additional passes can be purchased at
                                                                                                   £15 per person, per visit.
                                                                                                Subject to terms and conditions.

     **Registration to activate this policy or service is required. You can do this online at
     co-operativebank.co.uk/benefits. Please note: registration for Credit Report
     Monitoring service is online only.

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12 Additional benefits information
Additional benefits information

                                  Gadget**                                                                       REMEMBER!
                                  •	Worldwide cover up to £1,200 per account holder for digital cameras,
                                     handheld DVD players, digital camcorders, MP3 players, portable sat
                                     nav devices, games consoles and laptops, smart watches and wearable
                                                                                                                 Read the Policy Summaries
                                     technology etc.                                                             You’ll find the Policy Summaries on the next page. They contain
                                                                                                                 details about the additional benefits to help you make your decision.
                                  •	Repair and replacement will be arranged upon return to the UK. Maximum      But of course, you can only choose one and don’t forget to register it
                                     individual item limit of £1,200 per account holder.                         within 60 days.
                                  •	Cover for theft, damage and breakdown (including faults) occurring          You can register your chosen additional benefit at
                                     anywhere in the world.                                                      co-operativebank.co.uk/benefits or by calling 0345 602 5783.
                                  •	If any accessories for your gadget are stolen or damaged at the same time   If you don’t register within that time, you’ll be automatically allocated
                                     as your gadget, you are covered for these up to a value of £50 (including   the Credit Report Monitoring additional benefit – fixed for up to
                                     VAT). That’s cases, headphones and similar.                                 12 months.
                                  Subject to terms and conditions.                                               The Privilege and Privilege Premier current account additional
                                                                                                                 insurance benefits for Credit Report Monitoring, Airport Lounge
                                                                                                                 Passes and Gadget are provided on behalf of The Co-operative Bank
                                                                                                                 by Lifestyle Services Group Limited and insured by Assurant General
                                                                                                                 Insurance Limited.

                                  **Registration to activate the policy is required. You can do this online at
                                  co-operativebank.co.uk/benefits or by calling 0345 602 5783.

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Additional benefits information 13

                                                                                                                                                                                                           Additional benefits information
     Credit Report Monitoring
     Arranged by Lifestyle Services Group Limited

     Online access to your                                             – view your credit file and receive monitoring alerts      Price
                                                                       – view tips on how to protect your personal information
     credit report                                                     – view useful links to organisations and services
                                                                                                                                   This benefit is provided as a benefit of you being a
     As well as having easy online access to your credit report,                                                                   Co‑operative Bank Privilege or Privilege Premier current
                                                                         that can help you prevent your information being
     we’ll set up a monthly monitoring service which will alert                                                                    account holder, where you’ve selected the Credit Report
                                                                         accessible to others.
     you by text or email of any significant changes to your                                                                       Monitoring option and that option remains valid. The cost
                                                                    Or call our Benefits Helpline on 0345 604 1033.                is an inclusive part of your Privilege or Privilege Premier
     credit history, giving you the opportunity to act before any
     serious damage is done.                                        Benefits Customer Services are available:                      current account monthly subscription.

                                                                    Monday-Friday             8am-8pm                              You must be aged 18 or over to be eligible for this benefit.
     Registration and                                               Saturday-Sunday           9am-6pm
     day-to-day usage                                                                                                              Credit reports and monitoring
                                                                    Please ensure that you quote your policy ID and your full
     As a Co-operative Bank Privilege or Privilege Premier          name and address when you call. You’ll be asked security       You’ll be able to access your online credit report from our
     current account holder, you’re eligible for the service.       questions to verify your identity. Calls may be recorded or    chosen credit reference agency. You’ll be able to receive
     You must register your details with us online at               monitored for training/customer services purposes and/         monthly alerts of any significant changes to your credit file
     co-operativebank.co.uk/benefits providing:                     or for the prevention/detection of crime. If you prefer, you   by email or by SMS text messaging. To obtain your credit
                                                                    may write to:                                                  report, please visit co-operativebank.co.uk/benefits
     • your name and address
                                                                                                                                   Your report will be viewable securely online, and we
     •	part of your Co-operative Bank debit card number            Benefits Customer Services                                     recommend that you save or print a copy. Using our website
        (please have your debit card to hand)                       Lifestyle Services Group Limited                               will provide real-time access. If you cancel this benefit or
     • your date of birth.                                          P.O. Box 98                                                    close your account, access to your credit report will end
                                                                    Blyth                                                          immediately. No warranty is offered or given in relation to
     You must keep your secure login details confidential.          NE24 9DL                                                       the accuracy of information contained in your credit report.
     You can use the website to:                                    Please ensure that you quote your policy number and your       If you notice entries which you consider may be inaccurate,
                                                                    full name and address.                                         please contact the credit reference agency directly to discuss
     • access the Credit Report Monitoring service area of the
                                                                                                                                   these entries.
       website and:
        – learn how important it is to protect your personal
          information and how its theft and use could affect you

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14 Additional benefits information
Additional benefits information

                                  Cancelling the benefit                                           4. In the event you do not wish to continue this                  Financial Ombudsman Service, Exchange Tower, London,
                                                                                                      benefit, please phone our Benefits Helpline on                 E14 9SR, United Kingdom.
                                  1. You have the right to cancel the Credit Report Monitoring
                                                                                                      0345 602 5783.
                                     service at any time, which will have immediate effect.                                                                          Or you can phone 0800 023 4567 or
                                     However, no alternate selection will be available until                                                                         0300 123 9 123 from a mobile.
                                     your additional benefit renewal option is offered to you by   Enquiries/complaints
                                                                                                                                                                     Website: www.financial-ombudsman.org.uk
                                     The Co-operative Bank (your current selection will be         We’ll always be fair and reasonable. Should there ever be
                                     valid for up to 12 months from the date you select the        an occasion when you feel that we’ve not provided you with        If you purchased your account online you may also
                                     additional benefit). As the Credit Report Monitoring          a satisfactory level of service, we would like you to inform us   have the option to refer your complaint to the Financial
                                     service is provided as a benefit of you being a               so that we can do our best to solve the problem.                  Ombudsman Service using the Online Dispute Resolution
                                     Co‑operative Bank Privilege or Privilege Premier current                                                                        platform. The platform has been established by the
                                                                                                   We’ll do everything possible to ensure that your query is
                                     account holder who has selected the Credit Report                                                                               European Commission to provide an online tool for
                                                                                                   dealt with promptly. The easiest way to contact us is to
                                     Monitoring service option, if the connected Privilege or                                                                        consumers to resolve disputes about goods and
                                                                                                   call our Customer Relations team on 0345 602 5783.
                                     Privilege Premier current account is cancelled or you                                                                           services purchased online. The platform can be found at
                                                                                                   Alternatively, you can write to us at the following
                                     select another option, access to these benefits ends.                                                                           http://ec.europa.eu/consumers/odr
                                                                                                   address, quoting your name, address and Policy ID in all
                                     If the additional benefit option does not meet your
                                                                                                   correspondence:                                                   These procedures do not affect your right to take
                                     requirements, please telephone the Benefits Helpline
                                                                                                                                                                     legal action.
                                     immediately on 0345 602 5783 or write to:                     Customer Relations
                                                                                                   Lifestyle Services Group Limited
                                     Benefits Customer Services
                                                                                                   P.O. Box 98                                                       Other information
                                     Lifestyle Services Group Limited
                                                                                                   Blyth                                                             Lifestyle Services Group Limited.
                                     P.O. Box 98
                                                                                                   NE24 9DL                                                          Registered in England No. 5114385
                                     Blyth
                                                                                                                                                                     Assurant House
                                     NE24 9DL                                                      Our staff will attempt to resolve your query immediately.
                                                                                                                                                                     6–12 Victoria Street
                                                                                                   If this is not possible, we promise to acknowledge your
                                  2. We may cancel access to this Credit Report Monitoring                                                                           Windsor
                                                                                                   query within five working days of receiving it. In the unlikely
                                     service with immediate effect by a registered letter                                                                            Berkshire
                                                                                                   event that your query has not been resolved within four
                                     to you at your last known address in the event of you                                                                           SL4 1EN
                                                                                                   weeks of our receiving it, we’ll write and let you know the
                                     submitting any fraudulent or inaccurate information,
                                                                                                   reasons why, and what further action we’ll take.
                                     or for any other valid reason.
                                                                                                   Once we’ve resolved your query, we’ll confirm our
                                  3. Subject to clause 2 access to this additional benefit will    response in writing. If you’re not satisfied with our decision,
                                     remain in force for as long as you have a Co-operative        please contact the Customer Relations Manager at the
                                     Bank Privilege or Privilege Premier current account,          address opposite. If after making a complaint you are
                                     and this benefit continues to be provided as part of the      still unhappy, you may contact the Financial Ombudsman
                                     account benefits.                                             Service by writing to:

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Additional benefits information 15

                                                                                                                                                                                                               Additional benefits information
     Data Privacy Policy                                               Sharing your information                                       Your rights
     Lifestyle Services Group Limited are part of the Assurant,        Your personal information will be disclosed to other           You have a number of rights in relation to the information
     Inc. group of companies. The details here provide a               Assurant group companies, and to any other entity or           we hold about you, these rights include but are not limited
     summary of how we collect, use, share, transfer and store         service provider contractually obligated to us for the         to: the right to a copy of your personal information we hold;
     your information. For our full Data Privacy Policy please visit   purpose of performing tasks that directly relate to the        object to the use of your personal information; withdraw
     our website by logging into the Credit Report Monitoring          above-described purposes.                                      any permission you have previously provided and complain
     section of your account benefits at co-operativebank.co.uk/                                                                      to the Information Commissioner’s Office at any time if you
                                                                       Your personal information will also be disclosed to public
     benefits or contact our Data Protection Officer P.O. Box 98,                                                                     are not satisfied with our use of your information.
                                                                       bodies and organisations in order to satisfy our legal
     Blyth, NE24 9DL or by emailing
                                                                       obligations, where required.                                   For a full list of your rights please refer to the full Data
     dataprotectionofficer@assurant.com
                                                                                                                                      Privacy Policy.

     Information that we collect                                       Where we send your personal                                    Please note that there are times when we will not be
     from you                                                          information                                                    able to delete your information. This may be as a result
                                                                       Your information may be transferred to, stored and             of fulfilling our legal and regulatory obligations or where
     We collect a variety of personal information about you                                                                           there is a minimum, statutory, period of time for which we
                                                                       processed outside the European Economic Area (EEA).
     including your name, address, contact details and date                                                                           have to keep your information. If we are unable to fulfil a
                                                                       We will not transfer your information outside the EEA
     of birth in order that we can provide the benefits of                                                                            request, we will always let you know our reasons.
                                                                       unless it is to a country which is considered to have
     this service.
                                                                       equivalent data protection laws or we have taken all
                                                                       reasonable steps to ensure the company has suitable
     Using your information                                            standards in place to protect your information.
     The main reason we collect your personal information
     is to enable you to use the benefits of the service and in        How long we keep your personal
     order that we can advise you of any changes to it. You can
     choose whether or not you provide this information to us,
                                                                       information
     but if you decide not to do so, we will be unable to provide      Your personal information will be retained as long as
     the benefits under this service agreement.                        necessary for the performance of this service and for
                                                                       as long as required or permitted by applicable law or
     We will also use your information where we feel there             regulation.
     is a justifiable reason for doing so for example: carrying
     out research and analysis to improve our services; and
     recording and monitoring calls.

525725_CBG_MKT10788.indd 15                                                                                                                                                                          08/05/2018 16:32
16 Additional benefits information
Additional benefits information

                                  Airport Lounge Passes
                                  Arranged by Lifestyle Services Group Limited and provided by DragonPass International
                                  Service Summary                                                 Your Airport Lounge Pass is                                   • Admittance to the lounges is conditional upon
                                                                                                                                                                  presentation of a valid DragonPass card, boarding card
                                  Airport Lounge access is available to The Co-operative          activated                                                       and passport. Payment cards will not be accepted
                                  Bank Privilege or Privilege Premier account holders who         You can now take advantage of our dedicated DragonPass          as substitutes for the DragonPass card. All guests or
                                  have validly selected the Airport Lounge Passes option and      mobile app and website which includes information on how        additional visits will be chargeable.
                                  requested Airport lounge access membership.                     to use the service (including lounge locations) and your
                                  Airport lounge access is arranged for the registered            digital membership card.                                      Registered office details:
                                  account holders of the eligible Co-operative Bank Privilege     Lost, stolen or damaged DragonPass membership cards           Lifestyle Services Group Limited.
                                  or Privilege Premier account by Lifestyle Services Group        are to be reported immediately to DragonPass, who will        Registered in England No: 5114385
                                  Limited utilising the services of DragonPass.                   arrange for a replacement card. Lost, stolen or damaged       Assurant House
                                  This service provides:                                          cards will be deactivated wherever possible. A charge of      6-12 Victoria Street
                                                                                                  £10 will be made for card replacement where more than         Windsor
                                  • access to over 800 airport lounges around the world –
                                                                                                  three card replacement requests have been made in a           Berkshire
                                    subject to eligibility criteria
                                                                                                  12‑month period.                                              SL4 1EN
                                  • where a participating lounge is present and available,
                                                                                                                                                                DragonPass International Ltd.
                                    lounge access is provided no matter who you are flying
                                    with or whether you belong to an airline programme            Things to know                                                Registered in England No: 8643888
                                                                                                                                                                173A Ashley Road
                                  • access to business facilities – including phones, email,     Before you go, simply check the lounge lists within the app
                                                                                                                                                                Hale
                                    internet, fax machines and even conference rooms in           or online at co-operativebank.co.uk/benefits
                                                                                                                                                                Cheshire
                                    some lounges (where provided)                                 • Lounge listings and lounge detail downloads are            WA15 9SD
                                  • complimentary refreshments and snacks and the chance           available for Android and Apple operated devices.
                                    to relax in peace and quiet before your flight                  Please check your membership guide and online
                                                                                                    members area for details.
                                  • annual DragonPass membership (which shall expire if
                                    not renewed)                                                  • Renewal cards normally take up to a week to create and
                                                                                                    despatch to you. If your card is due to expire and you
                                  • four inclusive airport lounge visits per account to enjoy,     wish to fly soon, please let us know.
                                    during each period of membership
                                                                                                  • There is no pre-booking required. If the lounge is open,
                                  • additional lounge visits for you or your guests will be        has availability and you’re eligible, you will be let in.
                                    charged at £15 per person per lounge visit and will be          Relax, it’s simple.
                                    debited from your nominated payment card.

        525725_CBG_MKT10788.indd 16                                                                                                                                                                              08/05/2018 16:32
Additional benefits information 17

                                                                                                                                                                                                                 Additional benefits information
     Data Privacy Policy                                                Sharing your information                                        any permission you have previously provided and complain
                                                                                                                                        to the Information Commissioner’s Office at any time if you
     Lifestyle Services Group Limited are part of the Assurant,         Your personal information will be disclosed to other
                                                                                                                                        are not satisfied with our use of your information.
     Inc. group of companies. The details here provide a                Assurant group companies, and to any other entity or
     summary of how we collect, use, share, transfer and store          service provider contractually obligated to us for the          For a full list of your rights please refer to the full Data
     your information. For our full Data Privacy Policy please visit    purpose of performing tasks that directly relate to the         Privacy Policy.
     our website by visiting the Airport Lounge passes section of       above-described purposes.
                                                                                                                                        Please note that there are times when we will not be
     your account benefits at co-operativebank.co.uk/benefits
                                                                        Your personal information will also be disclosed to public      able to delete your information. This may be as a result
     or contact our Data Protection Officer P.O. Box 98,
                                                                        bodies and organisations in order to satisfy our legal          of fulfilling our legal and regulatory obligations or where
     Blyth, NE24 9DL or by emailing
                                                                        obligations, where required.                                    there is a minimum, statutory, period of time for which we
     dataprotectionofficer@assurant.com
                                                                                                                                        have to keep your information. If we are unable to fulfil a

     Information that we collect                                        Where we send your personal                                     request, we will always let you know our reasons.

     from you                                                           information                                                     Conditions of use
                                                                        Your information may be transferred to, stored and
     We collect a variety of personal information about you                                                                             1. The scheme.
                                                                        processed outside the European Economic Area (EEA).
     including your name, address, contact details and date of                                                                          1.1.	This scheme is jointly provided by Lifestyle Service
                                                                        We will not transfer your information outside the EEA
     birth in order that we can provide the benefits of this service.                                                                        Group and DragonPass International.
                                                                        unless it is to a country which is considered to have
                                                                        equivalent data protection laws or we have taken all                 The Co-operative Bank is not responsible for the
     Using your information                                             reasonable steps to ensure the company has suitable                  operation and running of the airport lounge access
     The main reason we collect your personal information               standards in place to protect your information.                      scheme or the airport lounges within the scheme.
     is to enable you to use the benefits of the service and in                                                                         1.2.	These terms and conditions will apply to you once you
     order that we can advise you of any changes to it. You can         How long we keep your personal                                       have activated your membership of the scheme, they
     choose whether or not you provide this information to us,                                                                               are separate from the terms and conditions that apply
     but if you decide not to do so, we will be unable to provide
                                                                        information                                                          to your Privilege or Privilege Premier current account.
     the benefits under this service agreement.                         Your personal information will be retained as long as
                                                                                                                                        1.3. To access the benefits of the scheme
                                                                        necessary for the performance of this service and for as
     We will also use your information where we feel there                                                                                   you must register online at
                                                                        long as required or permitted by applicable law
     is a justifiable reason for doing so for example: carrying                                                                              co-operativebank.co.uk/benefits
                                                                        or regulation.
     out research and analysis to improve our services; and                                                                                  or over the telephone on 0344 249 9981.
     recording and monitoring calls.                                                                                                    1.4. R egistration will allow you to access the Airport Lounge
                                                                        Your rights                                                          App on your mobile phone. The Lounge App can be
                                                                        You have a number of rights in relation to the information           downloaded from the Google Play or Apple App Store.
                                                                        we hold about you, these rights include but are not limited          This app is your digital membership card for the scheme.
                                                                        to: the right to a copy of your personal information we hold;
                                                                        object to the use of your personal information; withdraw

525725_CBG_MKT10788.indd 17                                                                                                                                                                            08/05/2018 16:32
18 Additional benefits information
Additional benefits information

                                  1.5. T his service is designed to work as a digital service      2.9. You must tell DragonPass as soon as possible if you       3.6. The number of guests permitted varies from lounge
                                       through access to the app provided. Using only the                lose your physical membership card, or access to your           to lounge as does the policy of individual lounges
                                       physical membership card may mean you cannot                      digital membership card, for example if the device              regarding access for children. Please check with the
                                       access the discounts and information which is                     which you use to access the digital membership card             individual lounges you plan to use prior to travelling to
                                       available to you via the app.                                     is lost or stolen, by calling on 0344 249 9981 (lines           determine their policy on guests and children.
                                  2. Membership.                                                         open 8am - 8pm Monday to Friday and 9am – 6pm              3.7. To access participating airport lounges you must show
                                                                                                         Saturday to Sunday).                                            your passport, boarding pass and your valid digital or
                                  2.1. M
                                        embership of the scheme is annual.
                                                                                                    3. 	 Airport Lounge Access.                                         physical membership card.
                                  2.2. T he membership year is defined as the date from
                                       which you apply for your membership and the period           3.1. You are entitled to four free visits to airport lounges   3.8. Participating airport lounge staff will record your
                                       of 365 days thereafter.                                           that are part of the DragonPass scheme per                      details and communicate them to DragonPass.
                                                                                                         membership year.                                                This information will be used for record keeping,
                                  2.3. M
                                        embership will be automatically renewed provided
                                                                                                    3.2. The free visit allowance is renewed each membership            tracking usage and billing purposes,
                                       you continue to have the qualifying account.
                                                                                                         year and no unused visits may be carried over into              where appropriate.
                                  2.4. S hould you choose to cancel your Airport Lounge Pass
                                                                                                         another membership year.                                   3.9. All participating lounges are owned and operated by
                                       benefit or switch to a non-qualifying benefit,
                                                                                                    3.3. If you hold a joint qualifying account, you will be            third-party organisations. You must comply with the
                                       your membership will be immediately cancelled and
                                                                                                         issued with one membership number and two physical              terms and conditions of the individual airport lounges
                                       your free visit allocation removed.
                                                                                                         membership cards or two access codes for the digital            that you choose to visit or use.
                                  2.5. If you cancel your membership of this scheme, you will
                                                                                                         membership card on the Airport Lounge App.                 3.10.In particular, please note that any food and drink,
                                       not be entitled to a refund, reduction or cancellation in
                                                                                                         This means that the four free visits are shared                 including alcoholic drinks, provided as part of your
                                       the monthly fee for your qualifying account.
                                                                                                         between the two members.                                        lounge visit are only for consumption in the airport
                                  2.6. If you have pre-paid for any additional airport lounge                                                                           lounge and are not to be taken out of the lounge.
                                                                                                    3.4. Your four free visits can be used only by the scheme
                                       visits, which you have not used, these will be refunded
                                                                                                         member.                                                    3.11. It is the responsibility of the passenger to ensure they
                                       to you.
                                                                                                    3.5. Additional lounge visits for you or your guests can be          arrive at their departure gate on time and board their
                                  2.7. L ifestyle Service Group, DragonPass International and                                                                            flight. There is no obligation on the lounges to provide
                                                                                                         purchased via your Airport Lounge app, or by calling
                                       The Co-operative Bank are not liable to you or any                                                                                 flight information or announcements.
                                                                                                         0344 249 9981.
                                       third party for any losses of any nature incurred by you
                                                                                                                                                                    4.  General Terms.
                                       in the use of your membership of this scheme.
                                       This includes the services provided, or not provided by                                                                      4.1. We do not give any warranty for any goods or services
                                       the individual lounges or the inability to use any part of                                                                        accessed through, or displayed on, our App or
                                       the membership scheme.                                                                                                            connected website.

                                  2.8. If you change your name you must tell
                                       The Co‑operative Bank as soon as possible, and
                                       before you next use your membership card. Please
                                       allow up to 72 hours for name changes to take effect.

        525725_CBG_MKT10788.indd 18                                                                                                                                                                                      08/05/2018 16:32
Additional benefits information 19

                                                                                                                                                                    Additional benefits information
     Severability                                                    Law and jurisdiction
     4.2. If any court or competent authority decides that any      4.5. This agreement shall be interpreted in accordance
          of the provisions of these terms and conditions are             with English law and subject to the non-exclusive
          invalid, unlawful or unenforceable to any extent, the           jurisdiction of the English Courts.
          term will, to that extent only, be severed from the
          remaining terms, which will continue to be valid to the
          fullest extent permitted by law.

     Third Party Rights
     4.3. A person who is not party to these terms and
          conditions shall not have any rights under or in
          connection with them under the Contracts (Rights of
          Third Parties) Act 1999.

     Entire agreement
     4.4. These terms and conditions and any document
          expressly referred to in them constitute the whole
          agreement between us and supersede all previous
          discussions, correspondence, negotiations, previous
          arrangement, understanding or agreement between
          us relating to the subject matter of these terms and
          conditions. We each acknowledge that, in entering into
          these terms and conditions, neither of us relies on, or
          will have any remedies in respect of, any representation
          or warranty (whether made innocently or negligently)
          that is not set out in these terms and conditions or the
          documents referred to in them. Nothing in this clause
          limits or excludes any liability for fraud.

525725_CBG_MKT10788.indd 19                                                                                                                               08/05/2018 16:32
210mm

                                  20 Additional benefits information
Additional benefits information

                                  Gadget Insurance
                                  Arranged by Lifestyle Services Group Limited and provided by Assurant General Insurance Limited

                                  Demands and needs                                              Assurant General Insurance Limited is authorised by                What is a gadget?
                                                                                                 the Prudential Regulation Authority and regulated by
                                  Gadget insurance meets the demands and needs of                                                                                   A gadget is either:
                                                                                                 the Financial Conduct Authority and the Prudential
                                  The Co‑operative Bank Privilege and Privilege Premier                                                                             •	A self-contained, portable device, having the design
                                                                                                 Regulation Authority. Lifestyle Services Group Limited
                                  current account holders who wish to ensure that their                                                                                intention of supporting multimedia applications or
                                                                                                 is authorised and regulated by the Financial Conduct
                                  gadget(s) and/or those of their family member(s) are                                                                                 obtaining multimedia content.
                                                                                                 Authority. All firms’ register details can be checked on
                                  covered against theft, accidental damage, water and liquid                                                                           The insured device must be self-supporting and not be
                                                                                                 the Financial Services Register by visiting the FCA’s
                                  damage, electrical or mechanical breakdown.                                                                                          dependent upon any other type of physical device for
                                                                                                 website www.fca.org.uk/register or by phoning
                                  The Co-operative Bank p.l.c. is not providing you with         0800 111 6768.                                                        its operation.
                                  a personal recommendation based on your individual                                                                                	This policy is designed to cover the following or
                                  circumstances as to whether this policy is suitable for your                                                                        similar devices: PDAs (Personal Digital Assistant),
                                  needs, and recommends that you read the Policy Summary                                                                              digital cameras, satellite navigation systems, portable
                                  that follows.                                                                                                                       camcorders (digital or otherwise), portable games
                                                                                                                                                                      consoles, smart watches/wearable technology.
                                  Status disclosure                                              Policy Summary                                                     or
                                  This Policy has been arranged as part of your bank account     As a benefit of being a Co-operative Bank Privilege or Privilege   •	A games console (e.g. Wii, Xbox, Playstation). We do not
                                  and is administered by Lifestyle Services Group Limited        Premier current account holder, if you’ve selected gadget             cover the screen used to view or play the content.
                                  (Financial Services Register No. 315245) with a single         cover as your optional benefit, we will repair or replace your
                                  insurer, Assurant General Insurance Limited (Financial         gadget in the circumstances summarised below. These are
                                  Services Register No. 202735).                                 explained in full detail in the Insurance policy document.
                                                                                                                                                                    What is an accessory?
                                                                                                                                                                    All accessories up to a combined original retail value of
                                                                                                 We want you to get the most out of this policy, and that
                                                                                                                                                                    £50, (including VAT), per claim (proof of purchase must
                                                                                                 means you need to be clear on what is and isn’t covered.
                                                                                                                                                                    be provided with your claim). The original retail value per
                                                                                                 The Insurance Summary and Policy Documents provide
                                                                                                                                                                    accessory will be the standard selling price applicable on
                                                                                                 details of the insurance policy, which you must read
                                                                                                                                                                    the original day of purchase.
                                                                                                 to ensure that the policy meets your needs. Full terms
                                                                                                 and conditions of the policy can be found in the Policy
                                                                                                 Document. You may need to review this policy periodically
                                                                                                 to ensure it continues to meet your requirements.

        525725_CBG_MKT10788.indd 20                                                                                                                                                                                   08/05/2018 16:32
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                                                                                                                              Additional benefits information 21

                                                                                                                                                                                                           Additional benefits information
          What you are covered for                                      What you are NOT covered for                                  Duration of this policy
          This policy covers registered gadgets up to a combined        •	You need to pay a contribution every time you make a       Your Policy will remain in place until it’s either cancelled
          retail value of £1,200 (including VAT) per account holder        successful claim of:                                       by you, or if you close your Co-operative Bank Privilege or
          for each Privilege or Privilege Premier current account          – Laptops and tablets - £50.                               Privilege Premier current account.
          (gadgets must be owned by the account holder (you) or            – All other gadgets - £25.
          their family members). A family member is a relative living
                                                                        This is the excess. Your excess is payable for every          Price of your insurance
          at the same address. Gadgets must be no older than three
                                                                        accepted claim and must be paid before your                   This policy is provided as a benefit of you being a
          years from new at the point of registration, and no more
                                                                        claim will be settled.                                        Co‑operative Bank Privilege or Privilege Premier current
          than five years old at any time.
                                                                        •	More than two instances that give rise to an accepted      account holder. The cost is an inclusive part of your
          •	
            Replacing or repairing your gadgets in the event of:                                                                      Privilege or Privilege Premier current account monthly
                                                                           claim for each account holder in any 12-month period.
             – theft                                                       A full description is in the ‘What you are NOT covered     subscription.
             – damage                                                      for’ section of the Policy Document.

             – b reakdown (including faults) occurring anywhere in     •	Theft, damage or breakdown where you’ve knowingly          Registering your gadget
               the world.                                                  put your gadget at risk or you’ve not taken care of it.    You must register the gadget(s) to take advantage of this
                                                                           Examples are provided in the ‘What you are NOT
          •	
            Gadget accessories that are stolen or damaged at the                                                                      cover. Please go to co-operativebank.co.uk/benefits
                                                                           covered for’ section of the Policy Document, which you
            same time as your gadget, up to a maximum value of                                                                        or call 0345 602 5783 and follow the procedure.
                                                                           should read to help you understand the cover.
            £50 (including VAT) per claim.                                                                                            You’ll need to provide the following information:
                                                                        •	Loss of the gadget(s) and accessories in any
          This Policy is designed to cover the following or                circumstances.                                             • your name and address
          similar devices:                                              •	Any gadgets that aren’t registered on your policy at the   •	the make, model, and serial number of the gadget(s)
          •	
            PDAs (Personal Digital Assistant).                             time they are stolen, damaged or broken down.              •	your Co-operative Bank Privilege or Privilege Premier
ot
          •	
            Digital cameras, satellite navigation systems.                                                                               current account number and sort code
          •	
            Laptops, tablets, portable camcorders (digital or                                                                         • your date of birth.
            otherwise), portable games consoles (e.g. PSP,                                                                            If you change the gadget or you wish to cover a different
            Nintendo Gameboy, GP2X), portable sound and                                                                               gadget to the one already registered, you must register the
            vision devices.                                                                                                           new details with us as soon as possible.
          •	
            A games console (e.g. Wii, Xbox, Playstation).Please
            note we do not cover the screen used to view or play
            the content.
          • Smart watches/wearable technology.

     525725_CBG_MKT10788.indd 21                                                                                                                                                                 08/05/2018 16:32
20 Additional benefits information
Additional benefits information

                                  If you need to claim                                            Cancelling your insurance                                         Need another copy?
                                  •	You should tell us about your claim as soon as possible      You have the right to cancel your insurance at any time.          This document is also available in large print, audio and
                                     and within 28 days of becoming aware of the theft,           No refund is due upon cancellation.                               Braille, so get in touch with us on 0344 249 9981 if you’d
                                     damage, or breakdown, and inform the police in the case                                                                        like to request a copy in one of these formats.
                                     of theft.                                                    Got a question?                                                   The same applies if you just need a replacement.
                                  •	You may need to send us proof that the gadget(s) is          Need to make a complaint?
                                     yours which should include the make, model, serial
                                                                                                  We want to make sure you’re happy. Should you need to
                                                                                                                                                                    Financial Services Compensation
                                     number and memory size (where relevant).
                                                                                                  talk to us, contact us by calling 0344 249 9981 or email          Scheme (FSCS)
                                  •	We may ask for details on the steps you’ve taken to report   LSG.Customerrelations@lifestylegroup.co.uk                        Assurant General Insurance Limited is covered by the
                                     the gadget missing and any attempts to recover it.           If after making a complaint you are still unhappy, you may        Financial Services Compensation Scheme (FSCS). You may
                                  •	You can make a claim at                                      contact the Financial Ombudsman Service by writing to:            be entitled to compensation from the scheme in the unlikely
                                     co-operativebank.co.uk/benefits                              Financial Ombudsman Service, Exchange Tower,                      event they cannot meet their liabilities to you. General
                                     or by calling 0344 249 9981.                                 London E14 9SR, United Kingdom.                                   insurance contracts are covered for 90% of the entire claim
                                                                                                                                                                    with no upper limit. Further information is available from
                                                                                                  Or you can phone 0800 023 4567 or
                                                                                                                                                                    the FSCS by calling 0800 678 1100 and online at fscs.
                                                                                                  0300 123 9 123 from a mobile.
                                                                                                                                                                    org.uk
                                                                                                  Website: www.financial-ombudsman.org.uk
                                                                                                                                                                    Please see section N of the Gadget Insurance Policy
                                                                                                  If you purchased your account online you may also have the        Document for further details.
                                                                                                  option to refer your complaint to the Financial Ombudsman
                                                                                                  Service using the Online Dispute Resolution platform.
                                                                                                  The platform has been established by the European
                                                                                                  Commission to provide an online tool for consumers
                                                                                                  to resolve disputes about goods and services
                                                                                                  purchased online. The platform can be found at
                                                                                                  http://ec.europa.eu/consumers/odr
                                                                                                  These procedures do not affect your right to take legal action.

        525725_CBG_MKT10788.indd 22                                                                                                                                                                                 08/05/2018 16:32
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     525725_CBG_MKT10788.indd 23                                        08/05/2018 16:32
Current accounts
   Accounts for children
   Savings
   Credit cards
   Loans
   Mortgages
   Ethics as standard

   Please call 03457 212 212* (8am - 8pm 7 days a week) if you would like to receive this
   information in an alternative format such as large print, audio or Braille.
   To hold a Privilege or Privilege Premier current account you must be 18 or over and a UK resident. The terms and exclusions applicable to any of the account benefits are set out in this
   Welcome guide. Savings account: If you convert your account back to either a Privilege or current account, a lower rate of interest will be paid on the savings account linked to your current
   account. Policy and supplier terms and exclusions apply.
   The subscription fee for the Privilege current account is £11 debited from the account on the first working day of each month. The subscription fee for the Privilege Premier current account
   is £15.50 debited from the account on the first working day of each month.
   The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885).
   The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and
   Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for
   an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.
   *Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.

                                                                                                                                                                                                                                MKT10788 05/2018
   Information correct as at 05/2018.

                                   We like our communications to have an impact on you – but not on the environment. This document is printed using vegetable oil-based inks
                                   on paper which is part recycled, Forest Stewardship Council® certified and made in an elemental chlorine-free process.

525725_CBG_MKT10788.indd 24                                                                                                                                                                                          08/05/2018 16:32
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