points awarded for each of the businesses

As well as high levels of customer service, you will earn membership points when you spend with any of our high street and internet businesses*:

• Food, Pharmacy, Funeral and Online Stores –  point for every £1 spent
• Travel and Legal Services (Wills) – 1 point for every £2 spent
• Legal Services (conveyancing) – 250 points
• Funeralcare  (funeral planning) – 2,500 points for a funeral plan not applicable to any other product or service
• Motor Group – 1 point for every £5 spent
• Petrol stations  (fuel) – 1 point for every £10 spent

You will also be rewarded with points based on the products you hold with The
Co-operative Bank, our internet bank smile, and The Co-operative Insurance. Members will be awarded points based on the products they held the previous year – for instance in 2006:

• 1 point for every £10 held or borrowed on average in The Co‑operative Bank or smile current or credit card accounts
• 1 point for every £10 outstanding on a loan from The Co‑operative Bank or smile
• 1 point for every £20 held on average in a savings account with The Co‑operative Bank, smile or Britannia
• 1 point for every £40 outstanding on a mortgage with The Co‑operative Bank or Britannia 
• 1 point for every £10 borrowed on average in The Co-operative Bank flexible loan accounts
• 250 points for holding a home or motor insurance policy with The Co‑operative Insurance held for 12 months (125 points for six months).