* Wine Offer Terms and Conditions
To qualify for the offer, you'll need to pay in a minimum of £800 per month for 2 consecutive months into the smile current account by 2nd December 2009. The wine redemption code will be dispatched by 9th December 2009. A delivery charge of £6.99 is payable upon order of wine. This offer is only available to customers who are residents in the UK (except Channel Islands and Jersey). This offer is not open to existing smile current account holders or those that have had a smile current account in the last year. smile has the right to withdraw the offer at any time.

** AER (Annual Equivalent Rate) the rate equivalent to having your interest paid and compunded on an annual basis. Gross is the rate of interest payable before income tax is deducted. Interest is calculated daily and paid into your smile accounts monthly.

^‡ EAR is the equivalent annual rate taking into account the interest rate and how often interest is paid but excludes any fees or charges.

Interest rates are variable and correct as at 4th September 2009. Credit facilities are provided by The Co-operative Bank p.l.c. (Registered No. 990937) of P.O. Box 101, 1 Balloon Street, Manchester M60 4EP, are subject to status and are not available to non-UK residents or anyone under 18 years of age. We reserve the right to decline any application.

As part of The Co-operative Bank, smile is authorised and regulated by the Financial Services Authority (12885), subscribes to the Banking Code and is a member of the Financial Ombudsman Service and licensed by the Office of Fair Trading (005110).

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