Smilemore current account ...enjoy the benefits ...smile more

 
Smilemore current account ...enjoy the benefits ...smile more
smilemore current account
     ...enjoy the benefits

                                 ...smile more
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Smilemore current account ...enjoy the benefits ...smile more
2 A load of lovely stuff
A load of lovely stuff

                         Like lovely stuff?
                         Take your pick – smilemore’s got loads.
                         The recipe is simple. Take one current account and pack it full of tasty benefits
                         (just the useful ones, no daft stuff). Try this lot for size.

                         Designed to make you                                                  And just to make sure…
                         smile more                                                            • Co-operative Legal Services advice helpline.
                         • Worldwide family travel insurance.                                  • T
                                                                                                  o help make Online Banking even more
                         • U
                            K and European motor breakdown                                      secure we also offer Trusteer Rapport Security
                           assistance.                                                           Software. As a Co-operative Bank customer
                                                                                                 this is free for you to download via our
                         • Mobile phone insurance.
                                                                                                 customer website.
                         • A
                            n automatic £500 overdraft, of which £260
                                                                                               See page 9 to find out more.
                           is interest-free. Debit interest of 15.9% EAR†
                           per annum is charged on the total overdrawn
                           balance over £260. Subject to status.
                           Representative example: The advance of credit
                           of £500 for a 12-month term at an interest rate
                           of 15.9% EAR† variable charged on the amount
                           borrowed over the interest free £260 overdraft
                           facility. Total amount payable £538.16. Interest
                           is payable each month and the remaining
                           balance would be repayable in one instalment
                           at the end of the term.
                         • Mortgage deals.
                         • C
                            hoice of one additional tailored benefit
                           (see pages 9-10).
                          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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A load of lovely stuff 3

                                                                                                                                                                                                                        A load of lovely stuff
     Pick an additional benefit, any additional benefit...
     Your account’s called smilemore for a good reason. For no additional cost you get to pick one of three great
     additional benefits each year. Just choose from these three:

     Credit Report Monitoring                                                Airport Lounge Passes                                                   Gadget
     Enjoy added personal security.                                          For airport travellers.                                                 Protect your devices and gadgets.
     • Credit Report Monitoring service*.                                   • A
                                                                                irport lounge passes – four passes per                              • C
                                                                                                                                                        over against theft, damage and breakdown
                                                                               year to selected airport lounges around the                             (including faults) for your registered items**.
     Start feeling safer – see page 11.
                                                                               world**.
                                                                                                                                                     • Gadget accessories cover included.
                                                                             Get ready for the off – check in to page 14.
                                                                                                                                                     Protect your gadgets – flick to page 10.

     For more information, please refer to the Policy Summaries later in this welcome guide. Limitations apply.

     A load of smart extras, just £15.50 a month. Nice!

        Don’t forget! Bag yourself an additional benefit…
        You have 60 days from the date you open your account in which to register your choice, by visiting smile.co.uk/benefits or by calling
        0345 602 5783. If we don’t hear from you by then we’ll automatically allocate you with Credit Report Monitoring which will be fixed for up to
        12 months. After all, we’d rather you didn’t miss out on any extras! Limitations apply.

     *Registration to activate this policy or service is required. You can do this online at smile.co.uk/benefits. Please note: Registration for Credit Report Monitoring service is available online only.
     **Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0345 602 5783.

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4 Sussing out your smilemore account
Sussing out your smilemore account

                                     Worldwide Travel Insurance
                                     Active from the moment you open your smilemore current account.

                                     Covers you, your partner and all dependent children travelling with you               whichever is the earlier.
                                     who are 22 years of age or under (including legally adopted, legal ward/           •	Cover for holidays involving winter sports activities is not operative if
                                     guardianship, foster and stepchildren) who at the start date of the journey           you are 65 years of age or older.
                                     are living at your address or have a term time address, and have no other          •	There is no cover for trips over 45 consecutive days’ duration.
                                     permanent residence unless they are residing with their other parent.
                                                                                                                        •	Any trip solely within the United Kingdom is only covered where you
                                     Please see the full definition of dependent children within the policy
                                                                                                                           have pre-booked at least two nights’ accommodation in a hotel,
                                     document for full information.
                                                                                                                           motel, holiday camp, bed and breakfast, holiday cottage or similar
                                     • Eligible family members are only covered when travelling with account              accommodation rented for a fee.
                                        holders.
                                                                                                                        •	If it is a joint account, the first and second named account holders can
                                     • Existing medical conditions and medical conditions under investigation             travel independently but the children are only covered when travelling
                                        may affect your cover.                                                             with one or both account holders.
                                     • You must notify AXA of any relevant medical condition as detailed within        •	For joint account holders who are not spouses or partners, cover is not
                                        the policy document, and if this changes notify AXA immediately.                   provided for the spouse or partner of either account holder.
                                        All medical conditions must be re-notified to AXA at least every 12 months.
                                                                                                                        •	Missed Departure cover is for if you arrive at your international departure
                                     • Excesses may apply to claims.                                                       point, from the UK, too late to board your scheduled public transport.
                                     •	Trips involving winter sports activities are limited to 21 days in total in     • You are not covered for business trips.
                                        any 12-month period.
                                                                                                                        Provided by AXA Travel Insurance and underwritten by Inter Partner
                                     •	There are a number of sports activities and winter sports that are              Assistance.
                                        excluded. Please refer to the policy document.
                                                                                                                        See terms and conditions for full policy details. Limitations apply.
                                     •	Cover under your policy will cease when you reach 80 years of age
                                        or when your current account is closed or the policy is cancelled,

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

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                                                                                                                                                                    Sussing out your smilemore account
     UK and European motor breakdown cover

     Unless you really love engine grease and spanners,
     breaking down is a pain. The remedy is simple: your
     smilemore breakdown cover is here to help you get back
     on the road if something goes wrong.
     It features:
     • Roadside assistance to repair your vehicle.
     • P
        ersonal-based breakdown cover for the named account holder(s),
       NOT the vehicle.
     • R
        ecovery for up to eight people and your vehicle to any destination
       within the UK.
     • Breakdown assistance at your home.
     • R
        eplacement car for up to one day whilst your vehicle is being fixed or
       overnight accommodation or alternative form of transport.
                                                                                       Also good to know
     Your vehicle must be roadworthy and in good mechanical condition when
     you obtain cover and you must keep it in that condition.                          RAC has been a breakdown organisation since 1897.
     UK and European motor breakdown cover is provided on behalf of smile,             • RAC has more patrols per member than any other breakdown provider.
     part of The Co-operative Bank, by RAC.                                            • RAC patrols fix four out of five cars at the roadside.

       Wheely important! Keep your policy in the car…
       Glove compartments – who sticks gloves in them? Better to stick your
       smilemore breakdown cover policy in there. It’s vital to have it handy should
       you need it. Also, store the emergency assistance number in your mobile:
       0800 783 7396.

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Sussing out your smilemore account

                                     Mobile phone insurance
                                     Losing or damaging your mobile phone can drive you mad. And it’s even worse if your phone’s been pinched.
                                     But the mobile phone insurance that comes with your smilemore current account could help.

                                     • Insures up to four handsets up to the value of £1,500 per phone – so     • C
                                                                                                                    over under this policy is limited to up to a maximum of two successful
                                        the family members in your household can benefit too.                      claims during any 12-month period per account holder.
                                     • C
                                        overs the cost of repair or replacement in the event of theft, loss,    • T
                                                                                                                    here is a policy excess payable for every successful claim. If you have
                                       damage and breakdown (including faults occurring anywhere in                an Apple iPhone the excess is £75 and for all other handsets it is £50.
                                       the world).                                                               Mobile phone insurance is provided on behalf of smile, part of
                                     • Includes any accessories for your mobile phone if they are lost,         The Co‑operative Bank by Lifestyle Services Group Limited and
                                        stolen or damaged at the same time as your mobile phone; you are         underwritten by Assurant General Insurance Limited.
                                        covered for these up to a value of £350 (including VAT). That’s cases,
                                        headphones, Bluetooth headsets and other similar items.
                                     • W
                                        orldwide cover means you or your family members needn’t worry
                                       about losing or damaging your phone whilst abroad. Repair or
                                       replacement will be arranged upon return to the UK.
                                     • Y
                                        ou may need to provide proof of purchase to claim under the mobile
                                       phone insurance.

                                       Register your mobile phone!
                                       To help us administer your policy more effectively and to help simplify   • IMEI number. The IMEI number is the unique serial number for your
                                       the claims process, you can provide us with your mobile phone details.       mobile phone. You can find it by inputting *#06# into your mobile
                                       This can be done through smile.co.uk/benefits                                phone. It should also be noted on the documentation that came with
                                       or by calling 0344 249 9981.                                                 your mobile phone when you purchased it. Your airtime provider may
                                       You will need the following information when registering your handset:       also be able to provide it to you.
                                       • Make.
                                       • Model.                                                                  Cover is subject to the terms and conditions which can be viewed at
                                       • Telephone number.                                                       smile.co.uk/benefits. Limitations apply.

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                                                                                                                          Sussing out your smilemore account
     sussed
     Looking for a better deal on a mortgage?
     The Co-operative Bank offers a competitive range of mortgages. Speak to one of
     our qualified mortgage advisers for advice on a mortgage product to meet your
     needs and circumstances.

     Our mortgages offer:

     • Products available with no booking or application fee.
     • Dedicated case owning team to process your application efficiently.
     • Advice on your mortgage protection needs.

     TERMS AND CONDITIONS APPLY. EARLY REPAYMENT CHARGES APPLY.

      YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

       Visit co-operativebank.co.uk/mortgages or
       contact 08000 288 288 for current offers.

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                                      All the benefits that are included in your packaged account can only be taken together – please remember that even though you may not use all of
                                      the benefits, you will still pay for them via your monthly subscription.

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

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A bit of extra info on our additional benefits 9

                                                                                                                                                                                                                        A bit of extra info on our additional benefits
     Right, time to talk additional benefits
     Choose one of three additional benefits available each year. More detail
     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
       Once you’ve chosen your additional benefit you must register it. Remember you must
       make your selection within 60 days of opening your account. We will then send you a full
       information pack telling you everything you need to know. 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 – just to make sure you don’t miss out.

     Choose from the following three additional benefits:

     Credit Report Monitoring*                                                                                   Airport Lounge Passes**
     As well as having easy online access to your credit report, you’ll set up                                   • F
                                                                                                                    our airport lounge passes per year, per account, for the account
     a monthly monitoring service which will alert you by text or email of any                                     holder(s) only to enjoy.
     significant changes to your credit file.
                                                                                                                 • If you wish to take guests with you, additional passes can be
     Subject to terms and conditions.                                                                               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 smile.co.uk/benefits .Please note: Registration for Credit Report Monitoring service is available online only.
     **Registration to activate the policy is required. You can do this online at smile.co.uk/benefits or by calling 0345 602 5783.

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10 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits

                                                 Gadget**
                                                 These days most of us have a few personal gadgets and gizmos.
                                                                                                                                                              Read the Policy Summaries
                                                 This bundle makes sure they’re covered (but remember, you have to                                            You’ll find the Policy Summaries on the next page. They contain
                                                 register them).                                                                                              details about the additional benefits to help you make your decision.
                                                                                                                                                              But of course, you can only choose one and don’t forget to register
                                                 • W
                                                    orldwide cover up to £1,200 per account holder for digital cameras,
                                                                                                                                                              it within 60 days.
                                                   handheld DVD players, digital camcorders, MP3 players, portable
                                                   Sat Nav devices, games consoles and laptops, smart watches and                                             You can register your chosen additional benefit at
                                                   wearable technology etc.                                                                                   smile.co.uk/benefits or by calling 0345 602 5783.
                                                                                                                                                              If you don’t register within that time, you will be automatically
                                                 • R
                                                    epair and replacement will be arranged upon return to the UK.
                                                                                                                                                              allocated the Credit Report Monitoring additional benefit – fixed for
                                                   Maximum combined retail value of £1,200 per account holder.
                                                                                                                                                              up to 12 months.
                                                 • C
                                                    over for theft, damage and breakdown (including faults) occurring
                                                                                                                                                              The smilemore current account additional insurance
                                                   anywhere in the world.
                                                                                                                                                              benefits for Credit Report Monitoring, Airport Lounge
                                                 • Insurance for accessories for your gadget which are stolen or                                             Passes and Gadget are provided on behalf of smile (part
                                                    damaged at the same time as your gadget, you are covered for these                                        of The Co‑operative Bank) by Lifestyle Services Group
                                                    up to a value of £50 (including VAT). That’s a case, headphones                                           Limited and insured by Assurant General Insurance
                                                    and similar.                                                                                              Company Limited.

                                                 Subject to terms and conditions.

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

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                                                                                                                                                                        A bit of extra info on our additional benefits
     Credit Report Monitoring
     Arranged by Lifestyle Services Group Limited

     Online access to your credit report                   – view your credit file and receive              Price
                                                             monitoring alerts
     As well as having easy online access to your                                                            This benefit is provided as a benefit of you
     credit report, you’ll set up a monthly monitoring     – view tips on how to protect your personal      being a smilemore current account holder
     service which will alert you by text or email of        information                                     where you have selected the Credit Report
     any significant changes to your credit history.       – view useful links to organisations and         Monitoring option and that option remains valid.
     Giving you the opportunity to act before any            services who can help you prevent your          The cost is an inclusive part of your smilemore
     serious damage is done.                                 information being accessible to others.         current account monthly subscription.
                                                         Or call our Benefits Helpline on 0345 604 1033.     You must be aged 18 years or over to be
     Registration and day-to-day usage
                                                                                                             eligible for this benefit.
                                                         Benefits Customer Services are available:
     As a smilemore current account holder,
     you are eligible for the service. You must          Monday – Friday      8am – 8pm
                                                                                                             Credit reports and monitoring
     register your details with us online at             Saturday – Sunday 9am – 6pm
                                                                                                             You will be able to access your online credit
     smile.co.uk/benefits providing:
                                                         Please ensure that you quote your policy ID and     report from our chosen credit reference agency.
     • your name and address                             your full name and address when you call.           You will be able to receive monthly alerts of any
        art of your smilemore debit card number
     • p                                                 You will be asked security questions to verify      significant changes to your credit file by email
       (please have your debit card to hand)             your identity. Calls may be recorded or monitored   or by SMS text message. To obtain your credit
                                                         for training/customer services purposes and/or      report, please access smile.co.uk/benefits
     • your date of birth.
                                                         for the prevention/detection of crime.              Your report will be viewable securely online, and
     You must keep your secure login details             If you prefer, you may write to:                    we recommend that you save or print a copy.
     confidential.                                                                                           Using our website will provide real-time access.
                                                         Benefits Customer Services
     You can use the website to:                                                                             If you cancel this benefit or close your account,
                                                         Lifestyle Services Group Limited
                                                                                                             access to your credit report will end immediately.
     • a
        ccess the Credit Report Monitoring service      P.O. Box 98, Blyth NE24 9DL                         No warranty is offered or given in relation to the
       area of the website and:                                                                              accuracy of information contained in your credit
                                                         Please ensure that you quote your policy
       – learn how important it is to protect your                                                          report. If you notice entries which you consider
                                                         number and your full name and address.
          personal information and how its theft and                                                         may be inaccurate please contact the credit
          use could affect you                                                                               reference agency directly to discuss these entries.

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A bit of extra info on our additional benefits

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

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A bit of extra info on our additional benefits 13

                                                                                                                                                                             A bit of extra info on our additional benefits
     Other information                                  You can choose whether or not you provide             How long we keep your personal
                                                        this information to us, but if you decide not to      information
     Lifestyle Services Group Limited.
                                                        do so, we will be unable to provide the benefits
     Registered in England No: 5114385                                                                        Your personal information will be retained as
                                                        under this service agreement.
     Assurant House                                                                                           long as necessary for the performance of this
     6–12 Victoria Street                               We will also use your information where we            service and for as long as required or permitted
     Windsor                                            feel there is a justifiable reason for doing so for   by applicable law or regulation.
     Berkshire                                          example: carrying out research and analysis
                                                                                                              Your rights
     SL4 1EN                                            to improve our services; and recording and
                                                        monitoring calls.                                     You have a number of rights in relation to the
     Data Privacy Policy                                                                                      information we hold about you, these rights
                                                        Sharing your information
                                                                                                              include but are not limited to: the right to a
     Lifestyle Services Group Limited are part of the   Your personal information will be disclosed to        copy of your personal information we hold;
     Assurant, Inc. group of companies. The details     other Assurant group companies, and to any            object to the use of your personal information;
     here provide a summary of how we collect,          other entity or service provider contractually        withdraw any permission you have previously
     use, share, transfer and store your information.
                                                        obligated to us for the purpose of performing         provided and complain to the Information
     For our full Data Privacy Policy please visit
                                                        tasks that directly relate to the above-described     Commissioner’s Office at any time if you are not
     our website by logging into the Credit Report
                                                        purposes.                                             satisfied with our use of your information.
     Monitoring section of your account benefits at
     smile.co.uk/benefits or contact our                Your personal information will also be disclosed      For a full list of your rights please refer to the full
     Data Protection Officer at P.O. Box 98,            to public bodies and organisations in order to        Data Privacy Policy.
     Blyth NE24 9DL or by emailing                      satisfy our legal obligations, where required.
     dataprotectionofficer@assurant.com                                                                       Please note that there are times when we
                                                        Where we send your personal information               will not be able to delete your information.
     Information that we collect from you                                                                     This may be as a result of fulfilling our legal
                                                        Your information may be transferred to, stored
                                                                                                              and regulatory obligations or where there is a
     We collect a variety of personal information       and processed outside the European Economic
                                                                                                              minimum, statutory, period of time for which we
     about you including your name, address,            Area (EEA). We will not transfer your information
                                                                                                              have to keep your information. If we are unable
     contact details and date of birth in order that    outside the EEA unless it is to a country which
                                                                                                              to fulfil a request, we will always let you know
     we can provide the benefits of this service.       is considered to have equivalent data protection
                                                                                                              our reasons.
                                                        laws or we have taken all reasonable steps to
     Using your information
                                                        ensure the company has suitable standards in
     The main reason we collect your personal           place to protect your information.
     information is to enable you to use the benefits
     of the service and in order that we can advise
     you of any changes to it.

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14 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits

                                                 Airport Lounge Passes
                                                 Arranged by Lifestyle Services Group Limited and provided by DragonPass International

                                                 Service summary                                    • A
                                                                                                       nnual DragonPass membership (which will          Things to know
                                                                                                      expire if not renewed).
                                                 Airport Lounge access is available to                                                                   Before you go, simply check the lounge lists
                                                 smilemore current account holders who have         • F
                                                                                                       our inclusive airport lounge visits per          within the app or online at
                                                 validly selected the Airport Lounge Passes           account to enjoy, during each period               co-operativebank.co.uk/benefits
                                                 option and requested Airport lounge access           of membership.
                                                                                                                                                         Lounge listings and lounge detail downloads
                                                 membership.                                        • A
                                                                                                       dditional lounge visits for you or your guests
                                                                                                                                                         are available for Android and Apple operated
                                                 Airport lounge access is arranged for the            will be charged at £15 per person per lounge
                                                                                                                                                         devices. Please check your membership guide
                                                 registered account holders of the eligible           visit and will be debited from your nominated
                                                                                                                                                         and online members area for details.
                                                 smilemore current account by Lifestyle               payment card.
                                                                                                                                                         • R
                                                                                                                                                            enewal cards normally take up to a week
                                                 Services Group Limited utilising the services of
                                                                                                                                                           to create and despatch to you. If your card
                                                 DragonPass.                                        Your Airport Lounge Pass
                                                                                                                                                           is due to expire and you wish to fly soon,
                                                                                                    is activated
                                                 This service provides:                                                                                    please let us know.
                                                                                                    You can now take advantage of our dedicated
                                                 • A
                                                    ccess to over 800 airport lounges around                                                            • T
                                                                                                                                                            here is no pre-booking required. If the
                                                                                                    DragonPass mobile app and website which
                                                   the world – subject to eligibility criteria.                                                            lounge is open, has availability and you are
                                                                                                    includes information on how to use the service
                                                 • W
                                                    here a participating lounge is present and                                                            eligible, you will be let in. Relax, it’s simple.
                                                                                                    (including lounge locations) and your digital
                                                   available, lounge access is provided no          membership card. Lost, stolen or damaged             • A
                                                                                                                                                            dmittance to the lounges is conditional
                                                   matter who you are flying with or whether        DragonPass membership cards are to be                  upon presentation of a valid DragonPass
                                                   you belong to an airline programme.              reported immediately to DragonPass, who will           card, boarding card and passport.
                                                 • A
                                                    ccess to business facilities – including       arrange for a replacement card. Lost, stolen or        Payment cards will not be accepted as
                                                   phones, email, internet, fax machines and        damaged cards will be deactivated wherever             substitutes for the DragonPass card.
                                                   even conference rooms in some lounges            possible. A charge of £10 will be made for             All guest or additional visits will be chargeable.
                                                   (where provided).                                card replacement where more than three card
                                                                                                    replacement requests have been made in a
                                                 • C
                                                    omplimentary refreshments and snacks
                                                                                                    12‑month period.
                                                   and the chance to relax in peace and quiet
                                                   before your flight.

          525756_CBG_MKT10931.indd 14                                                                                                                                                                 09/05/2018 14:10
A bit of extra info on our additional benefits 15

                                                                                                                                                          A bit of extra info on our additional benefits
      Registered office details:
     	                                   Data Privacy Policy                                    Sharing your information
      Lifestyle Services Group Limited.
     	                                   Lifestyle Services Group Limited are part of the       Your personal information will be disclosed to
      Registered in England No: 5114385   Assurant, Inc. group of companies. The details         other Assurant group companies, and to any
      Assurant House                      here provide a summary of how we collect,              other entity or service provider contractually
      6-12 Victoria Street                use, share, transfer and store your information.       obligated to us for the purpose of performing
      Windsor                             For our full Data Privacy Policy please visit          tasks that directly relate to the above-described
      Berkshire SL4 1EN                   our website by logging into the Credit Report          purposes.
                                          Monitoring section of your account benefits at
      DragonPass International Ltd.
     	                                   smile.co.uk/benefits or contact our                    Your personal information will also be disclosed
      Registered in England No. 8643888   Data Protection Officer at P.O. Box 98,                to public bodies and organisations in order to
      173A Ashley Road                    Blyth NE24 9DL or by emailing                          satisfy our legal obligations, where required.
      Hale                                dataprotectionofficer@assurant.com                     Where we send your personal information
      Cheshire WA15 9SD
                                          Information that we collect from you                   Your information may be transferred to, stored
                                          We collect a variety of personal information           and processed outside the European Economic
                                          about you including your name, address,                Area (EEA). We will not transfer your information
                                          contact details and date of birth in order that        outside the EEA unless it is to a country which
                                          we can provide the benefits of this service.           is considered to have equivalent data protection
                                                                                                 laws or we have taken all reasonable steps to
                                          Using your information                                 ensure the company has suitable standards in
                                          The main reason we collect your personal               place to protect your information.
                                          information is to enable you to use the benefits       How long we keep your personal
                                          of the service and in order that we can advise         information
                                          you of any changes to it. You can choose
                                          whether or not you provide this information to us,     Your personal information will be retained as
                                          but if you decide not to do so, we will be unable to   long as necessary for the performance of this
                                          provide the benefits under this service agreement.     service and for as long as required or permitted
                                                                                                 by applicable law or regulation.
                                          We will also use your information where we
                                          feel there is a justifiable reason for doing so for
                                          example: carrying out research and analysis
                                          to improve our services; and recording and
                                          monitoring calls.

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16 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits

                                                 Your rights                                               Conditions of use                                   2.   Membership.

                                                 You have a number of rights in relation to the            1.		 The scheme.                                    2.1. Membership of the scheme is annual.
                                                 information we hold about you, these rights               1.1.	This scheme is jointly provided by            2.2.	The membership year is defined as
                                                 include but are not limited to: the right to a                  Lifestyle Service Group and DragonPass              the date from which you apply for your
                                                 copy of your personal information we hold;                      International. The Co-operative Bank is not         membership and the period of 365 days
                                                 object to the use of your personal information;                                                                     thereafter.
                                                                                                                 responsible for the operation and running
                                                 withdraw any permission you have previously
                                                                                                                 of the airport lounge access scheme or the    2.3.	Membership will be automatically renewed
                                                 provided and complain to the Information
                                                                                                                 airport lounges within the scheme.                  provided you continue to have the
                                                 Commissioner’s Office at any time if you are not
                                                 satisfied with our use of your information.               1.2.	These terms and conditions will apply               qualifying account.
                                                                                                                 to you once you have activated your           2.4.	Should you choose to cancel your Airport
                                                 For a full list of your rights please refer to the full         membership of the scheme; they are                  Lounge Pass benefit or switch to a non-
                                                 Data Privacy Policy.
                                                                                                                 separate from the terms and conditions              qualifying benefit, your membership will be
                                                 Please note that there are times when we                        that apply to your smilemore current                immediately cancelled and your free visit
                                                 will not be able to delete your information.                    account.                                            allocation removed.
                                                 This may be as a result of fulfilling our legal           1.3.	To access the benefits of the                 2.5.	If you cancel your membership of this
                                                 and regulatory obligations or where there is a                  scheme you must register online at                  scheme, you will not be entitled to a
                                                 minimum, statutory, period of time for which we                 smile.co.uk/benefits or over the
                                                 have to keep your information. If we are unable                                                                     refund, reduction or cancellation in the
                                                                                                                 telephone on 0344 249 9981.                         monthly fee for your qualifying account.
                                                 to fulfil a request, we will always let you know
                                                 our reasons.                                              1.4.	Registration will allow you to access the     2.6.	If you have pre-paid for any additional
                                                                                                                 Airport Lounge App on your mobile phone.            airport lounge visits, which you have not
                                                                                                                 The Lounge App can be downloaded from               used, these will be refunded to you.
                                                                                                                 Google Play or Apple App Store.
                                                                                                                                                               2.7.	Lifestyle Service Group, DragonPass
                                                                                                                 This app is your digital membership card
                                                                                                                                                                     International and Co-operative Bank are
                                                                                                                 for the scheme.
                                                                                                                                                                     not liable to you or any third party for any
                                                                                                           1.5.	This service is designed to work as a               losses of any nature incurred by you in the
                                                                                                                 digital service through access to the               use of your membership of this scheme.
                                                                                                                 app provided. Using only the physical               This includes the services provided, or not
                                                                                                                 membership card may mean you cannot                 provided by the individual lounges or the
                                                                                                                 access the discounts and information                inability to use any part of the membership
                                                                                                                 which is available to you via the app.              scheme.

          525756_CBG_MKT10931.indd 16                                                                                                                                                                    09/05/2018 14:10
A bit of extra info on our additional benefits 17

                                                                                                                                                                                    A bit of extra info on our additional benefits
     2.8.	If you change your name you must tell             3.5.	Additional lounge visits for you or your         3.11.	It is the responsibility of the passenger to
           Co-operative Bank as soon as possible,                  guests can be purchased via your Airport               ensure they arrive at their departure gate
           and before you next use your membership                 Lounge app, or by calling 0344 249 9981.               on time and board their flight. There is no
           card. Please allow up to 72 hours for             3.6.	The number of guests permitted varies                  obligation on the lounges to provide flight
           name changes to take effect.                            from lounge to lounge as does the policy               information or announcements.
     2.9.	You must tell DragonPass as soon                        of individual lounges regarding access for       4. 	General Terms.
           as possible if you lose your physical                   children. Please check with the individual       4.1.	We do not give any warranty for any
           membership card, or access to your                      lounges you plan to use prior to travelling            goods or services accessed through,
           digital membership card, for example if the             to determine their policy on guests and                or displayed on, our app or connected
           device which you use to access the digital              children.                                              website.
           membership card is lost or stolen, by             3.7.	To access participating airport lounges
           calling on 0344 249 9981 (lines open 8am                you must show your passport,                     Severability
           - 8pm Monday to Friday and 9am – 6pm                    boarding pass and your valid digital or          4.2.	If any court or competent authority decides
           Saturday to Sunday).                                    physical membership card.                              that any of the provisions of these terms
     3.   Airport Lounge Access.                             3.8.	Participating airport lounge staff will record         and conditions are invalid, unlawful or
     3.1.	You are entitled to four free visits to airport         your details and communicate them to                   unenforceable to any extent, the term will,
           lounges that are part of the DragonPass                 DragonPass. This information will be used              to that extent only, be severed from the
           scheme per membership year.                             for record keeping, tracking usage and                 remaining terms, which will continue to be
     3.2.	The free visit allowance is renewed                     billing purposes, where appropriate.                   valid to the fullest extent permitted by law.
           each membership year and no unused                3.9.	All participating lounges are owned and
           visits may be carried over into another                 operated by third party organisations.           Third party rights
           membership year.                                        You must comply with the terms and               4.3.	A person who is not party to these terms
     3.3.	If you hold a joint qualifying account,                 conditions of the individual airport lounges           and conditions shall not have any rights
           you will be issued with one membership                  that you choose to visit or use.                       under or in connection with them under the
           number and two physical membership                3.10.	In particular, please note that any food and          Contracts (Rights of Third Parties) Act 1999.
           cards or two access codes for the digital               drink, including alcoholic drinks, provided
           membership card on the Airport Lounge                   as part of your lounge visit are only for
           App. This means that the four free visits               consumption in the airport lounge and are
           are shared between the two members.                     not to be taken out of the lounge.
     3.4.	Your four free visits can be used only by
           the scheme member.

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18 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits

                                                 Entire agreement                                     Gadget Insurance
                                                 4.4. T
                                                       hese terms and conditions and any
                                                      document expressly referred to in them          Arranged by Lifestyle Services Group
                                                      constitute the whole agreement between
                                                      us and supersede all previous discussions,
                                                                                                      Limited and provided by Assurant General
                                                      correspondence, negotiations, previous          Insurance Limited
                                                      arrangement, understanding or agreement
                                                      between us relating to the subject matter        Demands and needs
                                                      of these terms and conditions. We each
                                                                                                       Gadget Insurance meets the demands and needs of smilemore current account holders who
                                                      acknowledge that, in entering into these
                                                                                                       wish to ensure that their gadget(s) and/or those of their family member(s) are covered against
                                                      terms and conditions, neither of us relies
                                                                                                       theft, damage and breakdown (including faults).
                                                      on, or will have any remedies in respect of,
                                                                                                       The Co-operative Bank p.l.c. is not providing you with a personal recommendation based
                                                      any representation or warranty (whether
                                                                                                       on your individual circumstances as to whether this policy is suitable for your needs and we
                                                      made innocently or negligently) that is not      recommend that you read the Policy Summary on the right.
                                                      set out in these terms and conditions or
                                                      the documents referred to in them.
                                                                                                      Policy Summary                                     Registering your gadget
                                                      Nothing in this clause limits or excludes
                                                      any liability for fraud.                        As a benefit of being a smilemore current          You must register your gadget(s) to take
                                                                                                      account holder, if you have selected gadget        advantage of this cover. Please visit
                                                                                                      cover as your optional benefit, we will repair     smile.co.uk/benefits or call 0345 602 5783
                                                 Law and jurisdiction                                 or replace your gadget in the circumstances        and follow the procedure. You will need to
                                                 4.5. T
                                                       his agreement shall be interpreted in         summarised below. These are explained in full      provide the following information:
                                                      accordance with English law and subject to      detail in the insurance policy document.
                                                                                                                                                         • your name and address
                                                      the non-exclusive jurisdiction of the English
                                                                                                      We want you to get the most out of this policy,
                                                      Courts.                                                                                            • the make, model, and serial number of the
                                                                                                      and that means you need to be clear on what
                                                                                                                                                            gadget(s)
                                                                                                      is and is not covered. The Insurance Summary
                                                                                                      and Policy Documents provide details of the        • your smilemore current account number
                                                                                                      insurance policy, which you must read to              and sort code
                                                                                                      ensure that the policy meets your needs.
                                                                                                      Full terms and conditions of the policy can be     • your date of birth.
                                                                                                      found in the Policy Document. You may need         If you change the gadget or you wish to cover
                                                                                                      to review this policy periodically to ensure it    a different gadget to the one already registered,
                                                                                                      continues to meet your requirements.               you must register the new details with us as
                                                                                                                                                         soon as possible.

          525756_CBG_MKT10931.indd 18                                                                                                                                                             09/05/2018 14:10
A bit of extra info on our additional benefits 19

                                                                                                                                                                    A bit of extra info on our additional benefits
     What you are covered for
      Summary                                    Description

      This policy covers registered gadgets up   •	Replacing or repairing your gadgets in the event of:
      to a combined retail value of £1,200 per     – theft
      account holder (including VAT) for each
                                                   – damage, and
      smilemore current account (gadgets
      must be owned by the account holder          – breakdown (including faults)
      (you) or their family members.               occurring anywhere in the world.
      A family member is a relative living at    •	Gadget accessories that are stolen or damaged at the same time as your gadget, up to a maximum
      the same address. Gadgets must be no          value of £50 (including VAT) per claim.
      older than three years from new at the
                                                 This policy is designed to cover the following or similar devices:
      point of registration and no more than
      five years old at any time.                • PDAs (Personal Digital Assistant).
                                                 •	Digital cameras, satellite navigation systems.
                                                 •	Laptops, tablets, portable camcorders (digital or otherwise), portable games consoles
                                                    (e.g. PSP, Nintendo Gameboy, GP2X), portable sound and vision devices - smart watches and
                                                    wearable technology.
                                                 •	A games console (e.g. Wii, Xbox, Playstation). Please note, we do not cover the screen used to view
                                                    or play the content.

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20 A bit of extra info on our additional benefits
A bit of extra info on our additional benefits

                                                 What you are NOT covered for
                                                  Summary                       Description

                                                  Excess                        You need to pay a contribution every time you make a successful claim of:
                                                                                • Laptops and tablets - £50.
                                                                                • All other gadgets - £25.
                                                                                This is the excess. Your excess is payable for every accepted claim and must be paid before your claim
                                                                                will be settled.
                                                                                •	More than two instances that give rise to an accepted claim for each account holder in any 12-month
                                                                                   period. A full description is in the ‘What you are NOT covered for’ section of the Policy Document.
                                                                                •	Theft, damage or breakdown where you have knowingly put your gadget at risk or you have not
                                                                                   taken care of it. Examples are provided in the ‘What you are NOT covered for’ section of the Policy
                                                                                   Document, which you should read to help you understand the cover.
                                                                                •	Loss of the gadget(s) and accessories in any circumstances.
                                                                                •	Any gadgets which are not registered on your policy at the time they are stolen,
                                                                                   damaged or breakdown.

          525756_CBG_MKT10931.indd 20                                                                                                                                              09/05/2018 14:10
A bit of extra info on our additional benefits 21

                                                                                                                                                                      A bit of extra info on our additional benefits
     Duration of this policy                             Got a question? Need to make a                     Status disclosure
     Your policy will remain in place until it is        complaint?                                         This policy has been arranged as part of your
     either cancelled by you, or if you close your       We want to make sure you’re happy.                 bank account and is administered by Lifestyle
     smilemore current account.                          Should you need to talk to us, contact us by       Services Group Limited (Financial Services
                                                         calling 0344 249 9981 or email                     Register No. 315245) with a single insurer,
     Price of your insurance                             LSG.Customerrelations@lifestylegroup.co.uk         Assurant General Insurance Limited (Financial
                                                         If after making a complaint you are still          Services Register No. 202735).
     This policy is provided as a benefit of you being
                                                         unhappy, you may contact the Financial
     a smilemore current account holder. The cost                                                           Assurant General Insurance Limited is
                                                         Ombudsman Service by writing to:
     is an inclusive part of your smilemore current
                                                                                                            authorised by the Prudential Regulation
     account monthly subscription.                       Financial Ombudsman Service, Exchange
                                                         Tower, London, E14 9SR, United Kingdom.            Authority and regulated by the Financial
                                                                                                            Conduct Authority and the Prudential
     Cancelling your insurance                           Or you can phone 0800 023 4567 or
                                                                                                            Regulation Authority. Lifestyle Services Group
                                                         0300 123 9 123 from a mobile.
     You have the right to cancel your insurance at                                                         Limited is authorised and regulated by the
     any time. No refund is due upon cancellation.       Website: www.financial-ombudsman.org.uk
                                                                                                            Financial Conduct Authority. All firms’ register
                                                         If you purchased your account online you           details can be checked on the Financial
     If you need to claim                                may also have the option to refer your             Services Register by visiting the FCA’s website
     •	You should tell us about your claim as soon      complaint to the Financial Ombudsman               www.fca.org.uk/register or by phoning
        as possible and within 28 days of becoming       Service using the Online Dispute Resolution        0800 111 6768.
        aware of the theft, damage, or breakdown,        platform. The platform has been established
        and inform the police in the case of theft.      by the European Commission to provide an           Financial Services Compensation
                                                         online tool for consumers to resolve disputes      Scheme (FSCS)
     •	You may need to send us proof that the           about goods and services purchased
        gadget(s) is yours, which should include the     online. The platform can be found at               Assurant General Insurance Limited is covered
        make, model, serial number and memory            http://ec.europa.eu/consumers/odr                  by the Financial Services Compensation
        size (where relevant).                                                                              Scheme (FSCS). You may be entitled to
                                                         These procedures do not affect your right to       compensation from the scheme in the unlikely
     •	We may ask for details on the steps you          take legal action.                                 event they cannot meet their liabilities to you.
        have taken to report the gadget missing and                                                         General insurance contracts are covered
        any attempts to recover it.
                                                         Need another copy?                                 for 90% of the entire claim with no upper
     •	You can make a claim at                                                                             limit. Further information is available from the
                                                         This document is also available in large print,
        smile.co.uk/benefits or by calling                                                                  FSCS by calling 0800 678 1100 and online at
                                                         audio and Braille, so get in touch with us on
        0344 249 9981.                                                                                      www.fscs.org.uk
                                                         0344 249 9981 if you’d like to request a copy
                                                         in one of these formats. The same applies if you
                                                         just need a replacement.

525756_CBG_MKT10931.indd 21                                                                                                                                 09/05/2018 14:10
22 Notes
Notes

 525756_CBG_MKT10931.indd 22   09/05/2018 14:10
Notes 23

                                               Notes
525756_CBG_MKT10931.indd 23          09/05/2018 14:10
smile the internet bank from

   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.
   Policy and supplier terms and exclusions apply.
   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.
   The subscription fee for the smilemore current account is £15.50 debited from the account on the first working day of each month.
   *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.
   Information is correct as at 05/2018.
   smile.co.uk

                                                                                                                                                                                     MKT10931 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.

525756_CBG_MKT10931.indd 24                                                                                                                                                09/05/2018 14:10
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