you know what's best, so you decide... what interest rate what fee...if any what card design what rewards

how, when and where you want... 6.9% on balance transfers rates from 9.9%: APR 10.6% earn up to 1.6% CashBack free purchase & travel accident insurance smart chip security and more...

choose as many times as you want... reduce your interest rate change your card design get rid of your annual fee increase your CashBack Accucard standard terms and conditions...

Accucard Mastercard comes with up to 0.8% Cashback, but when you apply today you'll get DOUBLE! That's up to 1.6% CashBack on all purchases for an amazing 6 months.
If your needs change, so can your card! It's all up to you - change your card features anytime you want.

Accucard credit cards are issued by London Scottish Bank plc. Credit is subject to status and available only to individuals resident in the UK aged 18 or over. Written quotations available on request from Accucard Ltd., 199 Piccadilly, London W1J 9HA.

With Accucard, the Interest Rate, any Annual Card Fee, any CashBack Rewards and the APRs that will apply will depend on the choices you make. We will charge a handling fee on cash advances of 1.5% of the advance or £1.50 whichever is the greater. Typical Example: Balance transfers made in the first six months after you open an Account will each be charged at a fixed introductory rate of 6.9% per annum for six months after the transfer has been made (10.5% typical composite APR). After that, balance transfers will be charged at the same variable rate as for purchases. APR 14.6% on cash advances and APR 14.0% on purchases and other amounts charged to the Account. No annual fee. Unless otherwise indicated, all rates are variable. Monthly payments required. Minimum monthly payment will be £5 or 2% of the total amount you owe, whichever is the greater, unless you owe less than £5 when the whole amount is payable. Double CashBack Rewards subject to terms.

Accucard standard terms and conditions...
Please note that the interest rate(s), credit charges and APRs which will apply depend on the card you choose and there will be no binding agreement between us unless and until an agreement form containing these items and other information required by law has been signed both by you and on our behalf.

Notice: Important Financial and Related Details
This notice and the terms and conditions below form the agreement between you and us relating to your account. Words and expressions defined in the terms and conditions have the same meaning where used in this notice.
1. We will send you a regular statement showing your payments to us and all amounts we have charged to your account since the last statement. We will normally do this monthly, unless you owe nothing and there have been no purchases, cash advances or balance transfers during that period on your account. Interest will be charged, where applicable, even if we are unable for any reason to send a statement to you.
2. We will set and notify you of the credit limit for your account. We may change your credit limit at any time and will always tell you when we do.
3. Your account statements will show the smallest amount you must pay and the date by which you must make this payment. Unless we tell you otherwise, the smallest amount you must pay will be £5 or 2% of the total amount you owe (as shown on the statement), whichever is the greater. If you owe less than £5, you must pay the whole amount.
4. In working out APRs shown, we have not taken into account any changes in our interest rate(s), fees or charges which may occur. We may change these and introduce an annual fee or other account fee at any time so long as we give you written notice.
5. We charge interest until repaid on all cash advances and balance transfers from the date of the cash advance or balance transfer and on purchases (or transactions) and all other amounts charged to your account from the date they are charged until paid off in full. Any interest will be added to your account on each statement date. We work out interest on a daily basis, so you pay less interest the earlier you pay off what you owe.
6. We charge a handling fee on cash advances of 1.5% or £1.50, whichever is the greater. If we issue convenience cheques, we may introduce a handling fee for them at any time as long as we give you written notice.
7. We will not charge interest on purchases (or transactions) shown on a statement if you pay off the total amount you owe (as shown on the statement) by the date shown and you paid the total amount you owed on the previous statement by the date shown on that statement. (The payment date shown will be 20 days after the date of the statement itself). However, we will always charge you interest on cash advances and all other amounts charged to your account.
8. We will charge you the following interest and charges. We will charge each balance transfer made during the first six months after you open your account at the fixed introductory rate for six months after the transfer has been made and at the rate for purchases and other amounts after that. All rates are variable unless otherwise stated.

	Annual Interest Rate	APR
Balance Transfers (fixed introductory rate) Cash Advances* Purchases and Other Amounts*
Annual Card Fee	£

*variable rates

9. The following CashBack Reward rate will apply to transactions on the account. For the terms relating to CashBack Rewards see paragraph 11.1 of the terms and conditions.

	Rate of Reward/transaction value
CashBack Rewards

You have indicated you will accept the following optional insurances.

Terms and Conditions
1. Definitions
In these terms and conditions:

• we, us and our mean London Scottish Bank plc, which is the card issuer, and any organisation which takes over the benefit of the agreement;
• you and your mean the person who enters into the agreement with us;
• Accucard means Accucard Limited, our credit card services provider;
• additional cardholder means anyone chosen by you for whom a card is issued for use on your account;
• agreement means the credit card agreement entered into with us which is subject to these terms and conditions;
• card means any credit card issued under the agreement;
• Group means London Scottish Bank plc and any holding company of it and any subsidiary of that holding company or London Scottish Bank plc;
• someone else means a person other than you or an additional cardholder.

2. Your account
2.1 We will open a credit card account in your name (your account) and we will send a card to you and each additional cardholder plus a Personal Identification Number (PIN) unless you tell us you do not want a PIN.

• all purchases of goods or services, or both, you and any additional cardholder make using your account (transactions),
• any balances we allow you to transfer from another account (balance transfers)
• any cash advances and any other amounts you must pay under the agreement, other than your minimum monthly payments.

2.3 We may also send you cheques which allow you to draw on your account (convenience cheques). The amounts of any convenience cheques used by you or any additional cardholder will be charged to your account and, unless otherwise indicated, will be treated as transactions.

2.4 You promise to pay us all amounts charged to your account for which you are liable under the agreement. We will pay into your account all payments you make to us and the amount of any properly issued refund voucher which we receive from a supplier. We will use payments to pay off amounts in the following order:

(1) interest, fees and charges (other than an annual fee)
(2) annual fees and any Payment Protection Insurance premiums or Card Protection Plan (CPP) payments arranged through Accucard and applied to your account,
(3) balance transfers,
(4) transactions (other than convenience cheques) which have been charged to your account and shown on a statement followed by transactions (other than convenience cheques) which have been charged to your account but not yet shown on a statement and (5) cash advances and convenience cheques which have been charged to your account and shown on a statement, followed by cash advances and convenience cheques which have been charged to your account but not yet shown on a statement.

Even if you ask us to, we will not apply your payments in any other way.

2.5 Where any transactions or cash advances are made in a currency other than sterling, we will change the amount to sterling at the exchange rate we use for such transactions and cash advances. We will make a charge of 2.75% of the amount of each foreign currency transaction or cash advance and the sterling amount shown on your statement will include this charge. In the case of a cash advance, this charge will be in addition to the handling fee.

2.6 We will not pay interest on any credit balance on your account.

3. Important Financial and Related Details

Important financial and related information that applies to your account is set out in the separate notice which refers to these terms and conditions and is headed "Notice: Important Financial and Related Details". The notice and these terms and conditions together form the agreement between you and us relating to your account.

4. Cards and Convenience Cheques

4.1 We may at any time replace a Card with a different type of Card for use under the agreement. Cards and convenience cheques may only be used by the person named on them and our convenience cheques cannot be used to make payments in a foreign currency or to pay any sums you owe us.

4.2 Cards and convenience cheques remain our property at all times, so we can recall or replace them, and we may change your account number or PIN at any time. A Card or convenience cheque must only be used while valid. The period for which a Card is valid is shown on it and we may print validity dates on convenience cheques.

4.3 You will be responsible for all convenience cheques signed, cash advances taken and purchases (or other transactions) made by any additional cardholder using your account and for all related amounts charged to your account even if this causes the terms of the agreement to be broken.

5. Looking after your account

5.1 You must sign your Card and ensure that each additional cardholder signs his or her Card as soon as it is received. You must always ensure that you and all additional cardholders keep each Card and any convenience cheques safe and:

• do not allow someone else to use any Card, convenience cheque, PIN, password or other security information and do not keep a Card and PIN together;
• memorise your PIN, destroy the notice of it as soon as you receive it and always keep the PIN, password and other security information secret - never write them down or record them;
• do not enter your account number over the internet unless it is encrypted using the secure session features included in the Netscape or Microsoft browser or by using other software providing at least the same level of security. If you fail to comply with these requirements, you may be treated as having acted with gross negligence.

5.2 We may record or monitor telephone calls to help protect our customers and staff and to help maintain service quality.

6. Lost or Stolen Cards

6.1 It is essential you telephone us as soon as you can if you suspect or find out that a Card or convenience cheque is lost or stolen or might otherwise be misused or if someone else knows your PIN, password or other security information. Our telephone lines are open 24 hours a day.

0800 064 0114 (if phoning from the UK) and
+44 1268 567 437 (if phoning from abroad).

You will need to give us your account number when you call. If we ask you to do so, you must write to us within 7 days (quoting your account number) at Accucard Customer Services, Department AK, Christopher Martin Road, Basildon, SS14 9BG, to confirm your call. We will send you and any additional cardholder a replacement Card as soon as possible after receiving your call.

6.2 Unless you have acted fraudulently or consented to or permitted its misuse, you will not be liable for the misuse of a card, convenience cheque or PIN if:

(a) someone else uses your Card, convenience cheque or PIN before or after you tell us that it might be misused or that someone else knows the PIN, password or other security information; or

(b) someone else uses your Card details and your Card has not been lost or stolen.

6.3 We may give the appropriate authorities any information we consider relevant about the loss, theft or misuse of a Card, convenience cheque, account number or PIN, without asking you or any additional cardholder. If you find or recover any Card or convenience cheque after you have told us it is lost, stolen or might be misused, then you must cut it in half (Cards across the magnetic strip) and, if we ask you to do so, return it to us. You must not use a Card or convenience cheque you find or recover after you have told us it is lost or stolen or it might be misused.

7. Change of details

You must tell us immediately if your name, postal address or e-mail address (or the name of any additional cardholder) changes or if you change the Bank or Building Society you use to make payments to us by direct debit.

8. If you break the agreement

8.1 You must immediately pay any amount over the credit limit on your account.

8.2 We may charge your account for any loss we suffer or any costs we have to pay as a result of you or an additional cardholder breaking the agreement. You must also pay the following account fees:

£20 each time you do not make the minimum payment by the date shown on the statement;

£15 each time your account balance is over the credit limit on a statement date;

£15 each time a direct debit, cheque or other item is not paid when called on or presented for payment;

£5 for each replacement statement you request; and

£5 each time you request a copy transaction record.

8.3 These fees and costs are in addition to any interest and other amounts you must pay under the agreement. We may change them or introduce other fees at any time by giving you written notice.

8.4 If you break the agreement (or you die or become bankrupt) and we ask you to do so, you (or your personal representative(s) or trustee in bankruptcy) must immediately pay everything owed to us under the agreement, including all amounts not yet charged to your account e.g. transactions you have made which have not yet been charged to your account, subject to the service of any default or other notice required by law.

9. Ending the agreement

9.1 You or we may end the agreement at any time by giving written notice to the other. You must still pay us all amounts which you owe us, including all amounts not yet charged to your account and your account will not be closed until you have paid us all such amounts. When the agreement ends, you must cut all Cards in half across the magnetic strip and destroy unused convenience cheques and return them to us if we ask you to do so.

9.2 Unless there are exceptional circumstances, we will give you at least 7 days' written notice before ending the agreement, and we may restrict, terminate or suspend the use of your account at any time without giving notice if we believe it necessary for business or security reasons. Cards, convenience cheques, account numbers and PINs must not be used after the agreement has ended or while use of your account is suspended.

10. Changes to the agreement

We may change and add to the terms of the agreement if we decide to do so by giving you at least 7 days' written notice. If we change any interest rate or the way it is calculated, the new rate or method will apply to everything you owe under the agreement from the date the change takes effect. This applies to all amounts charged to your account before that date which are still owed and whether or not you continue to use your account. You may always close your account if you do not accept the change or addition.

11. Additional benefits and CashBack Rewards

11.1 We may offer you additional benefits or incentives (such as CashBack Rewards) along with your account. If at any time we provide you with CashBack Rewards, they will be credited to your account annually. CashBack Rewards will be calculated on the basis of the total value of transactions (net of refunds) up to a maximum net transactions value of £20,000 set out in your statements for the previous 12 months and will be shown credited to your account in the last statement of that 12 month period. Transactions will not earn CashBack Rewards if made whilst your account is over your credit limit. CashBack Rewards may not be paid for a 12 month period if during that time:

• any monthly payment due from you has not been made on time;
• you have exceeded your credit limit more than twice;
• special arrangements for payment have been made with you following financial difficulties on your part ; or
• your account has been closed.

We may change or withdraw CashBack Rewards and any other additional benefits or incentives at any time as long as we give you at least 7 days' written notice.

11.2 You can ask us to change the credit limit on your account, any rate of interest or CashBack Reward rate applied to your account or any annual fee (Card parameters) at any time. If we decide to change your Card parameters we will give you at least 7 days' written notice of the new Card parameters. You can make as many requests as you like but if, following separate requests, we change your Card parameters three times in the year following the opening of your account (or any year after that), we may charge £10 for subsequent changes we make to your Card parameters in the same year following subsequent requests.

11.3 Cards may be available in different designs and we will on request send you a new Card but we will charge you £10 for doing so. This charge does not apply if we send you a new Card because you tell us a Card is lost or stolen or may be misused. If we send you a new Card you must cut the Card that is replaced in half across the magnetic strip and, if we ask you to do so, return it to us.

12. Use and disclosure of personal information

12.1 You agree we may use any information we hold about you and your account (your information) and disclose and give your information to other members of our Group and our contractors (including Accucard) in the UK and any other country (even those which have only limited or no data protection laws provided that we remain responsible for making sure your information is held securely) for marketing purposes and for the purpose of running your account (including setting your credit limit and the interest rate(s) and other charges on your account) and helping us and them to make credit decisions about you and others and for the purpose of carrying out statistical analysis and market research.

12.2 You agree that we and Accucard may disclose and give your information:

• to fraud and credit reference agencies to help us, Accucard and others to make credit decisions, to help prevent or detect fraud or other crimes and to trace debtors;
• to insurers and their regulators for the purposes of arranging and administering insurance relating to your account and underwriting, claims handling and fraud prevention (which could include passing details to other insurers) and to the administrators of relevant payment systems;
• to any organisation providing services and benefits relating to your account or which recommends our credit cards for the purposes of its business and for marketing purposes; and

* to the regulators of our business and the business of Accucard, if required by them.

12.3 You agree that we may also use and analyse your information (and provide it to other members of our Group and to Accucard) to enable us (and them) to form a view of you as an individual and your preferences to help us (and them) to design and select goods and services to be offered by us (and them) and to enable us (and them) to send to you by post marketing materials about goods and services offered by us, members of our Group, Accucard and other organisations which may be of interest to you.

12.4 We and Accucard may agree to sell or otherwise provide your contact details as part of a marketing list to other organisations (including other members of our Group) in any country so that they can let you know about goods and services which may be of interest to you.

12.5 If you do not want us or Accucard to send you marketing materials or to contact you by telephone, e-mail or other on-line or interactive media for the purpose of direct marketing, if you do not wish other organisations to let you know about goods and services (or either) which may be of interest to you or you do not want to take part in any market research carried out by or for us or Accucard, you can write to us at any time at Accucard Customer Services, Department AK, Christopher Martin Road, Basildon, SS14 9BG.

13. General

13.1 We will not be liable if any person refuses to accept or honour any Card or convenience cheque or if any person or cash dispenser fails to make a cash advance or if we fail to provide services due to computer systems or ATM failure, industrial action or any events outside our reasonable control.

13.2 We may at any time transfer our rights under the agreement to any company or other organisation and, if we decide to do so, we may let such company or other organisation have information about you or any additional cardholder. We may also arrange for any person to carry out our rights or duties under the agreement. You may not transfer any of your rights or duties under the agreement.

13.3 We can delay enforcing our rights under the agreement without losing them. We may also accept part payments (even if marked "payment in full" or with other similar wording) without losing our right to claim full payment.

13.4 No term of the agreement shall be enforceable solely by virtue of the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to the agreement.

13.5 The agreement is governed by English law.

IMPORTANT - YOU SHOULD READ THIS CAREFULLY
YOUR RIGHTS
The Consumer Credit Act 1974 covers this agreement and lays down certain requirements for your protection which must be satisfied when the agreement is made. If they are not, we cannot enforce the agreement against you without a court order.

The Act also gives you a number of rights. You have a right to settle this agreement at any time by giving notice in writing and paying off all amounts payable under the agreement. If you have obtained unsatisfactory goods or services under a transaction financed by this agreement, apart from any purchased out of a cash loan, you may have a right to sue the supplier, us or both. Similarly, if the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about the protection and remedies provided under the Act, you should contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

LOSS OR MISUSE OF CARD
If the card is lost, stolen or misused by someone who obtained it without your consent, you may be liable for up to £0 of any loss to us. If it is misused with your permission you will probably be liable for ALL losses. You will not be liable for losses to us which take place after you have told us of the theft etc., provided you confirm any oral message in writing within seven days.

PURCHASE PROTECTION PLAN - SUMMARY OF COVER
Full details of your policy will be set out in the Policy Document, which you should read carefully to make sure it meets your needs.

Policy document: This gives you full details of the cover and the conditions you must satisfy to be fully protected.

Insurers: The policy is underwritten by Financial Insurance Company Limited, whose registered office is at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG (a company incorporated in England and Wales and limited by shares).

Eligibility: In order to take out this insurance, you must have a credit card agreement arranged by Accucard Limited.

Benefits and exclusions: This merchandise insurance is designed to protect you in the event of loss and/or damage of the insured property bought in the UK for your own use or as a gift for another person, using your credit card. The loss and/or damage must happen within 90 days of the date of purchase and certain types of property are not covered by the insurance. The policy sets out what the insurer will pay and when the insurer will not pay.

Policy limits: The policy sets out the limits on the amounts the insurer will pay. The insurer will only pay up to £1,000 per insured property and up to £5,000 for more than one claim in each 12 month period.

Policy excess: You will have to pay an excess of £50 for each claim.

Reasonable care: You must take reasonable care to protect your property. You must not leave the insured property unattended at any time.

Duration of Cover: Your cover is for one month at a time and is automatically renewed every month until your credit card is cancelled, is withdrawn or expires without being renewed by the credit provider or until you die (whichever happens first).

Cooling-off period: Your policy contains a cooling-off period of 30 days. During this period you can cancel the policy if it does not meet your needs.

How to Claim: To help the insurer deal quickly and efficiently with your claim, please read the How to Claim section in the policy. The insurer supports the Association of British Insurers Claims Code. You can be provided with a copy of this document upon request to the claims service.

Choice of law: If you buy this insurance in the United Kingdom you can choose which law will apply. English law will apply unless the insurer agrees otherwise.

Complaints: Should you have a complaint about the service provided by Accucard, please write to Accucard, Customer Service, Christopher Martin Road, Basildon, Essex SS14 9AA. If you are still not happy or the problem has not been resolved, please contact the General Insurance Standards Council, 9th Floor, 110 Cannon Street, London EC4N 6EU. If you have made a claim and are not satisfied with the way your claim has been dealt with, please contact the Company Secretary at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG. After this action, if you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to:The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
If you complain, this will not affect your legal rights.

This policy is only available to residents of the United Kingdom. If you have special needs please phone the:

Disability Textphone: 0870 400 4855
Disability Helpline: 0870 400 4854

TRAVEL ACCIDENT INSURANCE - SUMMARY OF COVER
Full details of your policy will be set out in the Policy Document, which you should read carefully to make sure it meets your needs.

Policy document: This gives you full details of the cover and the conditions you must satisfy to be fully protected.

Insurers: This policy is underwritten by Financial Insurance Company Limited, whose registered office is at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG (a company incorporated in England and Wales and limited by shares).

Benefits and exclusions: This policy is designed to provide cover for you and your family whilst travelling in the event of death or disability (as listed in the policy) within 12 months. Death or disability must be caused by accidental bodily injury occurring during the period of insurance. You must also have used your credit card arranged by Accucard Limited (your card) to pay for the trip (in part or in full). The policy sets out what the insurer will pay and when the insurer will not pay.

Policy limits: The policy sets out the limits on the amounts the insurer will pay. Special rules apply if you have only paid for part of your trip using your card.

Reasonable care: You must take all reasonable steps to prevent and minimise loss.

Duration of Cover: Your cover is valid for one year.

Cooling-off period: Your policy contains a cooling-off period of 14 days. During this period you can cancel the policy if it does not meet your needs.

How to Claim: To help the insurer deal quickly and efficiently with your claim, please read the How to Claim section in the policy. The insurer supports the Association of British Insurers Claims Code. You can be provided with a copy of this document upon request to the claims service.

Choice of law: If you buy this insurance in the United Kingdom, you can choose which law will apply. English law will apply unless the insurer agrees otherwise.

Complaints: Should you have a complaint about the service provided by Accucard, please write to Accucard, Customer Service, Christopher Martin Road, Basildon, Essex SS14 9AA. If you are still not happy or the problem has not been resolved, please contact the General Insurance Standards Council, 9th Floor, 110 Cannon Street, London EC4N 6EU. If you have made a claim and are not satisfied with the way your claim has been dealt with, please contact the Company Secretary at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG. After this action, if you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to:The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
If you complain, this will not affect your legal rights.

This policy is only available to residents of the United Kingdom. If you have special needs please phone the:

Disability Textphone: 0870 400 4855
Disability Helpline: 0870 400 4854

PAYMENT PROTECTION INSURANCE -SUMMARY OF COVER
Full details of your policy are set out in the Policy Document which you should read carefully to make sure it meets your needs.

Policy document: This gives you full details of the cover and the conditions you must satisfy to be fully protected.

Insurers: This policy is underwritten by Financial Assurance Company Limited and Financial Insurance Company Limited, whose registered offices are at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG (companies incorporated in England & Wales and limited by shares).

Eligibility: In order to take out this insurance, you must be 18 or over and under 65, in full time employment or self-employment and you must agree to pay the monthly premium for cover. In addition, you should not be aware of 1) any impending unemployment on your part or 2) any sickness, disease, condition or injury in the last 12 months that may cause you to claim disability benefits or 3) any sickness, disease, condition or injury that may cause a claim for life benefit. If you are aware of any of these facts, the insurer may still insure you but the insurer will not pay benefits directly relating to that unemployment or sickness, disease, condition or injury which you were aware of in the 12 months before the start date for disability cover or at any time before the start date for life cover.

Benefits and exclusions: This payment protection insurance is designed to protect your payment obligations under your credit agreement arranged by Accucard Limited in the event of your death, disability or involuntary unemployment through no fault of your own. The policy sets out what the insurer will pay and when the insurer will not pay. Some exclusions apply to individual Sections of your policy. General exclusions and conditions apply to the whole policy.

Policy limits: All Sections of the policy have limits on the amounts the insurer will pay. Monthly benefits for disability or involuntary unemployment are subject to a maximum of £750 per month and the single benefit on death is subject to a maximum of £15,000, under this policy and any other of our policies sold by Accucard Limited.

Duration of Cover: Your cover is for one month at a time and is automatically renewed every month until it is cancelled, your credit agreement ends, you miss paying three consecutive monthly premiums, you die or you permanently retire (whichever happens first).

Cooling-off period: Your policy contains a cooling-off period of 30 days. During this period you can cancel the policy if it does not meet your needs and get a refund of any premium paid.

How to Claim: To help the insurer deal quickly and efficiently with your claim, please read the How to Claim section in the policy. The insurer supports the Association of British Insurers Claims Code. You can be provided with a copy of this document upon request to the claims service.

Choice of law: If you buy this insurance in the United Kingdom you can choose which law will apply. English law will apply unless the insurer agrees otherwise.

Compensation Arrangements: You can ask the insurer for information about its compensation arrangements. These compensation arrangements apply if the insurer goes into liquidation and cannot pay its debts.

Complaints: Should you have a complaint about the service provided by Accucard, please write to Accucard, Customer Service, Christopher Martin Road, Basildon, Essex SS14 9AA. If you are still not happy or the problem has not been resolved, please contact the General Insurance Standards Council, 9th Floor, 110 Cannon Street, London EC4N 6EU. If you have made a claim and are not satisfied with the way your claim has been dealt with, please contact the Company Secretary at Vantage West, Great West Road, Brentford, Middlesex TW8 9AG. After this action, if you are still not happy or the problem has not been resolved to your satisfaction, you may refer it to the following relevant office:

for complaints about disability or unemployment cover: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR

for complaints about life cover: The Personal Investment Ombudsman Bureau, South Quay Plaza, 183 Marsh Wall, London E14 9SR

If you complain, this will not affect your legal rights. This policy is only available to residents of the United Kingdom.

If you have special needs please phone the:

Disability Textphone: 0870 400 4855
Disability Helpline: 0870 400 4854

PLEASE READ YOUR INSURANCE POLICY CAREFULLY
CARD PROTECTION PLAN
The benefits described in the Card Protection Plan policy are provided through Card Protection Plan Limited (CPP), which arranges cover for you, as your agent, with an authorised insurance company, which has chosen English law to govern the policy. Further details and an insurance policy pack will be forwarded on acceptance of your proposal. You are entitled by law to change your mind if you decide that you do not want to continue with your Card Protection Plan cover. If within 30 days of taking out your cover, you decide that this is no longer appropriate, please contact us. As long as you have not made a claim in the meantime, CPP will refund your premium.

The information that you give will be held by CPP, as an agent for the insurer, to administer the Card Protection Plan policy for which you apply. Your personal data will be processed in accordance with CPP's entry in the Data Protection Register. Any complaints should be addressed to CPP at PO Box 353, York YO24 4YS