terms and conditions of the membership scheme

1. Application for membership

1.1 Membership card details

1.2 Ownership of card

1.3 Joint membership

1.4 Changing personal details

1.5 Businesses that accept the card

1.6 Card usage

1.7 Managing your account online

1.8 Changes to the membership scheme

2. Earning Points

2.1 Registering points on previous purchases

2.2 Businesses excluded from the scheme

2.3 Transactions excluded from the scheme

2.4 Non-UK residency

2.5 Earning points through democratic activity

2.6 Refund or return of goods

2.7 Bonus Points

3. Payment calculation

3.1 Affinity partners

3.2 Charitable donations

3.2 Gift Aid declaration notice

4. Receiving your payment

5. Spending your share of the profits vouchers

5.1 Exchanging your vouchers

5.2 Lost or stolen card or vouchers

5.3 Share of the profits and tax

5.4 Power of Attorney

6. Cancelling your membership

6.1 How to cancel your membership

6.2 If we cancel your membership

6.3 Death of a member

6.4 Bankruptcy of a member

6.5 Repayment of your share in the profits

7. Data Protection

8. Contacting us about your membership record

9. Appendices

9.1 Appendix 1 - The Co-operative Travel

9.2 Appendix 2 – The Co-operative Banking Group

9.3 Appendix 3 - The Co-operative Funeralcare

9.4 Appendix 4 - The Co-operative Food

9.5 Appendix 5 - The Co-operative Pharmacy

9.6 Appendix 6 - Motor Group

9.8 Appendix 7 - The Co-operative Electrical

9.9 Appendix 8 - The Co-operative Beds

9.7 Appendix 9 - The Co-operative Legal Services

Welcome to The Co-operative Group

Thank you for choosing to become a member of The Co-operative Group. This document contains a summary of the key provisions affecting individual members but the summary is only a guide. The definitive statement is in the registered rules of The Co-operative Group Limited, which will govern the position if there is any conflict. If you need a copy of the current version of the registered rules you should telephone 0800 023 4708. In addition the document contains some further terms and conditions which you must agree to. These terms and conditions prevail in the event of any conflict or inconsistency with any other communications, including advertising or promotional materials. English law applies to our relationship with you.

Definitions

The Co-operative Group, Co-operative Group, the Group or we/us is Co-operative Group Limited.
The scheme means The Co-operative membership scheme.
Your card is any card that we give or send to you to use.
Trading period relates to the time you earn your points prior to payment. For the interim payment this period is from 1 January to 30 June. For the full year payment the period is from 1 January to 31 December.
Interim payment is the payment made for trade done in the period from 1 January to 30 June - the scheme's financial half year. This payment is made in November.
Final payment ia the payment made for trade done in the period 1 January to 31 December – the scheme’s financial year. We will take off from this any interim payment made to you. This payment is made in June.
Bank working day is any day between 9am and 5pm which is not a Saturday, Sunday or English bank or public holiday.

Purpose of the membership scheme

The scheme exists to return a dividend ‘share of the profits’ to members of The Co-operative Group in relation to the level of trade undertaken with the Group’s businesses. The dividend is paid from distributable profits of Co-operative Group Limited. The value of a point awarded for trade is variable and is dependent upon the financial performance of The Co-operative Group.

1. Application for membership

We welcome applications from customers who share our values and principles; and are aged 16 years or over. As a member you are required to hold and retain one share in The Co operative Group and this will be paid for through the deduction of £1 from your first share of the profits payment. We reserve the right to refuse any application for membership.

You can apply to become a member in the following ways:

online by visiting www.co-operative.coop/membership
phone by calling 0800 023 4708. When you apply by phone you will be asked to register security details on your membership record. We do this to help us make sure that when you call us in the future we can confirm that we are talking to you and not someone who has stolen your card. This will help to protect you against fraud.
branch or store by application form which you can pick up in our branches or stores.

If you send us an application form to become a member but do not sign the form we will still send you a card. When you use the card for the first time you accept our terms and conditions and rules of The Co operative Group.

1.1 Membership card details

As an individual member of The Co-operative Group you will receive a membership card.

1.2 Ownership of the card

The Co-operative Membership card is issued by and remains the property of Co operative Group Limited. Your card is evidence of your membership and you may be required to produce this in certain circumstances.

The membership card is not a credit card, cheque guarantee card, debit card or a savings account card.

1.3 Joint membership

In the event of holding membership jointly, unless you have told us otherwise, the first named person will exercise the membership rights. Share of the profits will be paid to the first named member. The membership card will be issued only to the person exercising the membership rights. The other party will still be able to access financial control of their share account but will not be entitled to a share of the profits. In the event of the death of a joint holder, membership will be held in the name of the surviving joint holder(s).

1.4 Change in personal details

If you move address please contact the membership helpline on 0800 023 4708 and we will update your details. Please quote your name and postcode to help us to find your record. You will be asked to register or confirm existing security questions.

If you change your name please send written confirmation to The Co-operative Membership, PO Box 3504, Stoke-on-Trent, ST6 9ED enclosing a copy of the relevant documentation i.e. Marriage certificate, change of name deed.

1.5 Businesses that accept the card

You can use your membership card at participating Co-operative Group businesses and affinity partners where you see
The Co-operative Membership sticker in the window or door.

Affinity Partners
The Co-operative Group may on a temporary or permanent basis enter into agreements with affinity partners where points or cash rewards are earned for purchases with affinity partners. Terms and conditions for the awarding of points relating to the offers from affinity partners are available at www.co-operative.coop/membership

Current affinity partners are:

Phone Co-op

Independent co-operative businesses

You can earn points at other independent co-operative businesses. These businesses are not part of The Co-operative Group and operate in certain regions of the UK. These businesses will display the membership sticker to identify where you can use your card to earn points.

Independent co-operative businesses that accept our membership card are:

Anglia Regional Co-operative Society	0845 241 0433
Chelmsford Star Co-operative Society Limited	01245 490101
Midlands Co-operative	01543 414140
The Midcounties Co-operative	0800 435 902
The Southern Co-operative	0800 6520 124

There may be other terms and conditions or product and service exclusions that apply if you use your membership card with the above businesses. You should check with these businesses for full details. The value of the points you earn when you trade with an independent co-operative business will be set by that society, based on its financial performance over their trading year. We will pay you these points through the next available share of the profits payment we make after we have received the cash value for your trade with the independent co-operative business. This payment will show on your statement as ‘ Other Co-operative Societies’.

1.6 Card Usage

The membership card must be signed by the member named on the front of the card. It can only be used by and for the benefit of the member named on the front of the card. You must not use it as a club, charity, trust, sole trader, partnership, company or other kind of business card.

If you would like your share of the profits to be paid to a community group or charity contact the membership helpline on 0800 023 4708.

We do not have to accept that anyone apart from you has any right or interest in the share of profits earned by using your card. (For example if you are purchasing goods or services for someone else.)

You may not transfer any of your rights or duties under this scheme.

The card must not be used by anyone other than the member as evidence of a right to exercise democratic rights unless this is allowed under the rules of Co-operative Group Limited.

1.7 Managing your account online

You can manage your account online. You must set up security information with us before you start to use this service. If your address is registered outside the UK, Channel Islands or Isle of Man you will not be able to access your account online.

1.8 Changes to the membership scheme

We can change the conditions of the membership scheme at any time without giving you notice and at our discretion.

2. Earning points

To earn points you must present your card at the beginning of a transaction at a participating outlet or verify your membership number. If you make purchases online or over the telephone you must quote your membership card number to earn points. Exclusions apply, please see appropriate business appendices below.

Business	Number of points awarded
Food, Pharmacy, Funeral and Online stores Electrical and Clothing	1 point for every £1 spent
Travel and Legal Services (Wills)	1 point for every £2 spent
Legal Services - conveyancing	250 points
Pharmacy - Prescription Collection Service / Prescription Collection and Delivery Service	250 points
Motor dealerships	1 point for every £5 spent
Petrol stations - fuel	1 point for every £10 spent
Funeralcare - funeral planning	2,500 points for a funeral plan not applicable to any other product or service
Co-operative Bank or smile credit card	1 point for every £10 borrowed, based on an average of your monthly statement balances*
Co-operative Bank or smile current accounts	1 point for every £10 based on average quarterly credit balances held*
Co-operative Bank or smile loan	1 point for every £10 outstanding on the loan*
Co-operative Bank, smile or Britannia savings	1 point for every £20 held on average during the year*
Co-operative Bank, smile or Britannia mortgage	1 point for every £40 outstanding on mortgage, based on outstanding balance held on 30 June and 31 December*
Co-operative Bank flexible loan	1 point for every £10 borrowed on average based on the average of the monthly balances outstanding on the loan*
Co-operative Insurance policies	250 points for holding a policy (125 points for 6 months) awarded proportionally for each full month held [E2]

* For full details of how points are awarded on these products see Appendix 2.

2.1 Registering points on previous purchases

If you are unable to produce your membership card at the following participating outlets you can register your purchase with them within the time period detailed for all outlets excluding food stores, this must be done at the outlet where you made your purchase:

The Co-operative Food – If you forget your card you must request a forgotten card receipt at the checkout before you pay for your goods. If you do not request a forgotten card receipt then you will not be able to claim points for your transaction. You can register your purchase online www.co-operative.coop/membership or call 0800 023 4708 within 7 days.
The Co-operative Funeralcare – If you are not in possession of a membership number at the time of arrangement or when purchasing a funeral plan you can ask the funeral home to contact the membership helpline to obtain and verify the members’ details.
The Co-operative Travel – Within 7 days from financial balance payment
The Co-operative Pharmacy – Write your membership number on the reverse of the receipt and return it within 7 days to the branch where you made your purchase and ask the branch to forward to the Membership Contact Centre.

2.2 Businesses excluded from the scheme

You will not earn points for purchases at the following Co-operative Group outlets:

Department and Home stores
Travel Franchises
Cash machine withdrawals or deposits
Subsidiary companies, unless stated in the terms and conditions

2.3 Transactions excluded from the scheme

There are a number of products and services that we are not able or permitted by law to award points on. For a full list of these products and services please refer to the business specific appendices at the end of this document.

2.4 Non UK Residency

Dividend earned by residents outside of the UK, the Isle of Man and the Channel Islands will earn a share of the profits. You are responsible for declaring and settling any tax liability with the relevant authorities where you reside.

2.5 Earning Points through democratic activity

There may be times when you can also earn points for taking part in certain democratic activities and certain membership events run by The Co-operative Group. This is at the discretion of the Group and we will communicate these opportunities at the time of publication of the activity.

2.6 Refund or return of goods

If you purchase goods from us and return them for a refund (or cancel/amend a holiday booking) we may remove/amend any points you have earned from your card. This will not apply where this is as a result of a valid holiday/product complaint.

When a product refund is made after a share of the profits payment has been paid a minus points value will appear on the Share of Profits statement for the start of the next trading year.

2.7 Bonus Points

From time to time the Group's businesses or affinity partners may award bonus (marketing) points. The value of a bonus point, is not linked to the financial performance of the Group and has a fixed value of 1p.

Bonus points awarded by an affininty partner, are funded by the affinity partner. If the affinity partner fails the Group has no obligation to fund any unpaid pointsthey have awarded.

Bonus points awarded by the Group's businesses are funded by the businesses themselves. Bonus points are not funded from profit distribution payments made by the Group. Bonus points are paid alongside the share of the profits payment.

3. Payment Calculation

After the end of each trading period or as frequently as we decide to declare our financial results, your points will be converted into a cash value. The proportion of profits approved for distribution to members as a share of the profits is approved at our Annual and Half Year General Meetings by our members.

At the end of each trading period we will calculate the points you have accumulated. These will be converted into a cash value based on the following formula:

Proportion of profits approved for share of the profits
= Value of each point

Total number of points accumulated by all members

We will only pay you a share of the profits if you are a member of The Co operative Group at the time of payment and we have recorded evidence of qualifying products or services within the trading period from an eligible Co-operative Group business.

And,

We will only pay you a share of the profits if the value of the points you have earned is greater than the minimum limit for payment, which may vary for each trading period. If the value of the points you have earned is less than the minimum limit for payment we will roll this amount over and add it to the points you earn in the next trading period.

3.1 Affinity partner payments

If you earn points with an affinity partner, you will receive your payment through the share of profits payment. Points earned through affinity partners are valued at 1p.

3.2 Independent co-operative business payments

If you are a member of an independent co-operative business, participating in The Co-operative Membership, you can use your membership card in our businesses. When you use your card we will calculate the points you have earned and after our members have approved the profits for distribution at our AGM we will convert your points to a cash value. We will send this cash value to the independent co-operative you are a member of for them to distribute to you in their next available share of the profits payment.

3.3 Charitable donations

Your share of the profits will be paid to you in whole pounds and pence. Depending on what you have instructed us to do we will pay the odd pence, or 25%, 50%, 75% or your entire share of the profits to the Community Fund and/or other named charities we choose to add. If you donate some of your share of the profits to the Community Fund you will be asked if you would like your donation to be treated as gift aid.

3.4 Gift Aid declaration notice

If you ticked the box on the application form to donate your odd pence to Gift Aid, this will happen and will go on being donated until you tell us otherwise.

UK charities are currently entitled to 25% tax reclaim using Gift Aid. This means that for every pound you give, the charity will receive an extra 25 pence from the HM Revenue & Customs helping your donation go further.

To qualify for Gift Aid what you pay in income tax or capital gains tax must at least equal the amount the Community Fund will claim in the tax year.

You can change this declaration at any time by notifying The Co-operative Group on 0800 023 4708 or email membership@co-operative.co.uk
If in the future your circumstances change and you no longer pay tax on your income and capital gains equal to the tax that the charity reclaims, you must cancel your declaration.
If you pay tax at the higher rate you can claim further tax relief in your Self Assessment tax return.
If you are unsure whether your donations qualify for Gift Aid tax relief, refer to help sheet IR65 on the HM Revenue & Customs website (www.hmrc.gov.uk)

4. Qualifying for and receiving your payment

Your payment is dependent on both the amount of time you have been a member and the value of qualifying transactions you have made with The Co-operative Group or its affinity partners.

To receive an interim payment you must have become a member between 1 January and 30 June and earned a minimum of £2. To receive a final payment for a trading year you must have become a member before 31st December and have earned a minimum of £2. If you have earned less than £2 your points will be rolled over.

Payment will be made in vouchers, if chosen, directly in to your bank account. In all cases, you must have remained a member up to the date of issue of this share of profit payment.

If you would like to change your method of payment, for further help in understanding the methods of payment, or to query your share of profit payment, please call us on 0800 023 4708.Please note you will be asked to register or confirm existing security questions, if you have not already done so.

In all cases, you must have remained a member up to the date of issue. Claims will only be accepted for 6 months after the date of issue of the share of the profits payment [E3].

5. Spending your share of the profits vouchers

The Co-operative Membership. Use your card here The vouchers can be used at the following Co-operative Group businesses or where The
Co-operative Membership sticker is displayed.

The Co-operative Food
The Co-operative Travel
The Co-operative Pharmacy
The Co-operative Funeralcare
The Co-operative Bank
The Co-operative Legal Sevices
The Co-operative Electrical
The Co-operative Beds
Britannia

You must present your membership card when you spend your vouchers, and the number on the voucher must be the same as the number on the membership card. We may request proof of your identity.

We will not accept vouchers at the following Co-operative Group businesses:

The Co-operative Insurance
Department and Home stores
The Co-operative Motor Group

5.1 Exchanging the vouchers for cash

You can only exchange the vouchers you receive for cash at Co-operative Group Food stores, and at branches of
The Co-operative Bank or Britannia.

You must use your vouchers before their expiry date. You should return any out of date vouchers to The Co-operative Membership, PO Box 3504, Stoke on Trent, ST6 9ED and we will issue replacement vouchers to you.

5.2 Lost or Stolen cards or vouchers

If your card or vouchers are lost or have been stolen you must tell us immediately. You can do this by phone on 0800 023 4708 or by email at membership@co-operative.co.uk. You will need to give your membership number that appears on your membership card/letter and answer a few security questions.

If we ask you to provide evidence, you must write and provide us with this evidence to: The Co operative Membership, PO Box 3504, Stoke on Trent, ST6 9ED.

Generally we will replace lost or stolen vouchers however we may give the appropriate authorities any information considered important about the loss or theft of a card or voucher.

5.3 Share of the profits and tax

With limited exceptions, you do not have to pay income tax on your share of the profits payment. With effect from 1 November 2010 the share of profits earned on current account and savings products will be paid net of income tax (at the rate specified by law, currently 20%).

When you complete your tax return or if you intend to claim back from HMRC the tax paid, you will need to request a Section 975 certificate from us by calling 0800 023 4708.

Higher-rate taxpayers will need to pay additional tax (the difference between the 20% and the prevailing higher rate. You should declare this on your tax return.

After 1 November 2010, if you do not pay income tax, you may reclaim any tax paid or overpaid from HM Revenue & Customs.

You will pay tax if you earn a share of the profits on the following products.

The Co-operative Bank
Current Accounts	Cashminder
	Current Account
	Current Account Plus
	Student Current Account
	Smile Current Account
	Smile Current Account Student
	Privilege*
	Privilege Premier*
	Smile More Privilege*

Savings Accounts	Smart Saver
	Instant Access (CIS and CWS)
	Standard Current Account
	Pathfinder UK
	Special Deposit
	Deposit Savewise
	Deposit Top Tier
	Investment 90
	Fixed term Deposit transferred to Smart Saver
	High Interest Tracker
	Deposit Standard
	Matured Guaranteed Investment Bond transferred to Savedirect
	Matured Tessa
	Smile Special Deposit
	Smile Standard Deposit
	Retail Savings Account

Britannia
Savings Accounts	Directsaver
	Directsaver Reserve
	Easylife
	Easysaver
	Homesaver
	Index Linked
	Instant Access
	Premium Saver
	Regular Saver
	Savings Mortgage
	Special Savings
	Select Saver

*If you pay a fee for your account you will not have to pay income tax on the share of the profits paid to you unless it exceeds the amount of the annual fee you have paid for using the account.

If you do not pay tax you should register an R85 form with The Co-operative Bank, Smile or Britannia. You can get an R85 form from HMRC.

After 1 November 2010, if you do not pay income tax or only pay the 10% income tax rate, you may reclaim any tax paid or overpaid from HM Revenue & Customs.

5.4 Power of Attorney

If you are no longer able to look after your own affairs you can appoint a power of attorney to operate your card. The power of attorney will be able to request to receive any outstanding share of profits to be paid to you but they will not have any other power such as voting or participating in any democratic activity.

6. Cancelling your membership

6.1 How to cancel your membership

You may cancel your membership by calling 0800 023 4708, or by writing to us at The Co operative Membership, PO Box 3504, Stoke on Trent, ST6 9ED.

6.2 If we cancel your membership

We value your membership, however as a consumer co-operative, we reserve the right to cancel your membership if you do not purchase goods or services from The Co-operative Group for a period of two years. If you are a paid up member we will write to you at your last known address and give you two months notice of any intention to cancel. During this time you may provide evidence of purchases or other interaction with us (to be determined by us from time to time) and we will reconsider our decision to cancel.

There may be other circumstances where we believe it is inappropriate for an individual to remain in membership/be a member. We reserve the right to cancel an individual’s membership in such circumstances, although we will always communicate the reasons to the member and provide them with the opportunity to discuss this with us before taking a final decision.

6.3 Death of a member

When we are advised of your death we will cancel your membership. Any points you have earned, but have not been paid to you, at the time we are notified of your death will be cancelled.

Your personal representative will need to send us a photocopy of you death certificate. This should be sent to: The Co-operative Membership, PO Box 3504, Stoke on Trent. ST6 9ED.

6.4 Bankruptcy of a member

A trustee in the bankruptcy of a member may apply to us for repayment of your share of the profits.

6.5 Repayment of your share of the profits

In the event of your membership being cancelled for any reasons outlined in 6.2, we will retain £1 share and donate it to our charity of the year unless you have advised us that you wish it to be repaid to you. Any declared share of the profits will be paid to you.

We reserve the right to use such money to offset any debts a member may have with us. In the event of the death of a member, payments shall be made to the personal representatives.

7. Data protection

7.1 Our responsibilities to you
We take our responsibilities for data seriously.

The Co-operative Group will use your information to:

Issue your share of the profits payment
Provide the products and services you need
Improve the quality of our products and services to you
Provide you with offers that we believe will interest you.

We may pass your details onto our subsidiaries including The Co-operative Bank and The Co operative Insurance and other
co-operative societies and carefully selected organisations (our “Partners”).

We and/or our Partners would like to tell you by post, telephone and fax – including automated dialling, email SMS, MMS, or other computer methods about a wide range of offers, which may interest you. If you do not wish to receive this information please ring the help line on 0800 023 4708 or tick the relevant box on the application form.

We may monitor or record telephone calls and or emails for security reasons and to improve the quality of our service to you.

When you contact us we will ask you to register security information to help protect your account. If you choose not to register this information you will not be able to manage your account over the phone or online.

Please note that we will disclose personal information to fraud prevention and other agencies to help prevent crime or where we suspect fraud.

You have a right to receive a copy of the personal data that we hold about you. There will be a charge of £10 towards the cost of administration. To obtain a copy of the personal information we hold on you, please write to the above FREEPOST address or alternatively ring Customer Services on FREEPHONE 0800 0686 727 and ask for a Subject Access Request form. The form once completed, should be returned with a cheque for £10.00 made payable to ‘The Co-operative Group Limited’.

7.2 When can we tell someone else about your account?
We may give details of your account or your name and address to any one else if:

the law says we must
we have a public duty to do so
it is necessary to protect our interests; or
you ask us to give the details to someone else or agree we can give them to someone else

8. Contacting us about your membership record

We will accept instructions and queries from you by letter, email, or by telephone. Providing:

The letter is signed by the cardholder.
Your email address has been registered with us. This can be done through our website www.co-operative.coop/membership in ‘manage your personal details’ section.
You complete our telephone security questions.

Any information you send to us in writing or electronically will be held by us for 36 months and then will be securely destroyed.

9. Appendices

9.1 APPENDIX 1 – The Co-operative Travel

Unless you tell us otherwise we will only award you points if you are named as the lead person on the travel booking. If you are paying for travel arrangements on behalf of someone else we will award you the points if you ask us to do so.

Points are awarded on:

Points are earned through The Co-operative Travel branches, which display the membership sticker and Future Travel Ltd.
Your points will be awarded to your membership account when you have travelled.
Points can be earned through The Co-operative Travel Direct call centre and online via www.co-operativetravel.co.uk.
The basic holiday, which are the standard brochure prices, or view data system prices indicated at the time of purchase.
Car hire.
Airport lounge.
Airport parking.
Attraction tickets.
Fully priced travel insurance products.
Scheduled flight only products.

Points are not awarded on:

Purchases made in travel outlets managed for independent co-operative societies, unless they are displaying the membership sticker.
On third party partnership discounts.
Discounted Insurance products.
The purchase of The Co-operative Travel or Co-operative gift vouchers.
Surcharges or supplements additional to the basic holiday cost. These include, but are not limited to:
• Fuel surcharges
• Flight supplements
• Single occupancy supplements
• Under occupancy supplements
Foreign exchange products
Cancelled travel arrangements.

Tour Operators

We may not award points on selected tour operators from time to time. This is at the discretion of The Co-operative Travel.
The Co-operative Travel will set the discount level appropriate to individual tour operators and this may change from time to time at The Co-operative Travel’s discretion.
Information regarding which operators are eligible and what discount levels they offer are available from The Co-operative Travel’s branches.

Exclusive Member Benefits

You must be a member at the time of booking your travel arrangements to use a member benefit discount. If you become a member after you have booked your travel arrangements with us, then you will not be entitled to a member benefit discount or any free gift on that booking. This includes travel arrangements that are paid for in installments. If you become a member after you have booked your travel arrangements, but before you pay the final balance, you will be eligible to receive membership points.

9.2 APPENDIX 2 – Financial Services

Points earned from banking and insurance product holdings with The Co-operative Bank, smile The Co-operative Insurance and Britannia:

i) may be variable from one payout to another i.e. The Co-operative Insurance The Co operative Bank, smile, Britannia and The Co-operative Insurance reserve the right to vary the number of points attributable to an insurance or bank product holding between payouts. For details of the most up to date attribution of points to products go to www.co-operative.coop/membership and login to your account, or you can call us on 0800 023 4708.

ii) are only earned by individual members on the accounts and policies held in their name when they have maintained all those accounts and policies in order. In addition...

Policies and products held by businesses on which a member may have an interest will not have points calculated for attribution to that individual member.
Where a policy or account is held or registered in more than one name and more than one of the parties to the policy or account is a member then the points attributable to that product will be shared pro rata amongst the members who are party to the policy or account.
If a member is deemed by The Co-operative Insurance and The Co-operative Bank (including smile and/or Britannia) to be operating a policy or account outside of their terms and conditions (for example, but not limited to: a mortgage account in arrears and/or a bank account operating outside an agreed overdraft and/or premiums not being maintained on a policy) then we reserve the right to not award points in the current or future points calculation. This includes whether such breach was during the period that the points were accrued or at the actual time of the calculation.'

iii) are only earned for the duration of the payout period for which the products have been live i.e. where a new policy or product is opened or closed between payouts then only a suitable proportion of points will be awarded (for the payout after the product has been opened or closed).

Points are not awarded on:

The Co-operative Investments policies (Pensions, Savings and Life & Health Insurance) as profits from these policies are already distributed through the product structure.
Banking accounts which are in arrears at the closing date for the relevant trading period.
Accounts where the customer is deceased at the closing date for the relevant period.
Offshore Savings products, as there are tax benefits attached to these products and the payment of share of profits would have tax implications.
Products for under 16s will not earn membership points. Members are required to be over 16.
Affinity or Partnership products for Savings, Visa and Loans will not earn membership points.
Fixed term deposits and fixed rate ISAs as profit is returned through a preferential interest rate.
All in force Bonds will not earn membership points however any bond that has matured and been converted to an alternative, eligible product within the relevant period will receive a share of profits payment for the time it has been a matured product.

How points are awarded

Insurance policies
You will start to earn points from the first day of the month after you have taken out the insurance policy. For example if you take your policy out on 15 June you will start to earn points on 1 July. If you become a member whilst you already hold a policy with us then you will start to earn points from the first full month you are a member.

Insurance Policy	Points earned over six months	Points earned over 12 months
Buildings insurance	125	250
Contents insurance including any of the following additional benefits: i. Travel insurance (including Young Driver Insurance) ii. Caravan insurance	125	250
Travel insurance (single policy)	125	250
Caravan insurance (single policy)	125	250
Car insurance (including Young Driver Insurance)	125	250
Breakdown Cover - Roadside	25	50
Breakdown Cover - Recovery	75	150
Breakdown Cover - Recovery and Home Start	100	200
Breakdown Cover - European	100	200
Pet insurance - Classic cover	75	150
Pet insurance - Select Plus	125	250

Motor Breakdown cover is provided on behalf of The Co-operative Insurance by AXA Assistance (UK) Ltd.

Pet Insurance from The Co-operative Insurance is provided, underwritten and administered by Allianz Insurance plc. The Co-operative Insurance is a brand used by CIS General Insurance Limited. CIS General Insurance Limited is Authorised and Regulated by the Financial Services Authority. FSA registration No. 435022. Registered Office: Miller Street, Manchester M60 0AL. Registered in England No. 29999R.

Allianz Insurance plc. Registered in England No.84638. Registered Office: 57 Ladymead, Guilford, Surrey GU1 1DB. Email: cooperativepet.info@allianz.co.uk Allianz Insurance plc is Authorised and Regulated by the Financial Services Authority. FSA Register No. 121849. This can be checked by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. CIS General Insurance Limited is not part of the Allianz (UK) Group.

Credit cards
For the interim payment in November, we will calculate the average of your monthly statement balances from 1 January to 30 June and award you points on half the average balance for this period. We only award points for half the average balance you held because this represents half your trade over the whole year. For the final payment in June, we will calculate the points you have earned using the average of your monthly statement balances from 1 January to 31 December. We will deduct from this payment the amount we paid to you in your interim payment.

Personal loans
For the interim payment in November, we will calculate your outstanding monthly balance held from 1 January to 30 June and award you points on half the average balance. We only award points for half the average balance you held because this represents half your trade over the whole year. For the final payment in June, we will calculate your average outstanding monthly balance from 1 January to 31 December. We will deduct from this payment the amount we paid to you in your interim payment.

Current account
For the interim payment in November, we will calculate an average of your quarterly balances (including any agreed overdraft*) held from 1 January to 30 June and award you points on half the average balance. We only award points for half the average balance you held because this represents half your trade over the whole year. For the final payment in June, we will calculate the average of your quarterly balances (including any agreed overdraft*) from 1 January to 31 December. We will deduct from this payment the amount we paid to you in your interim payment.

*If your account is overdrawn for more than 90 days within a trading period points will not be earned.

Mortgages
For the interim payment in November, we will take half of your outstanding balance on 30 June and calculate the points you have earned from 1 January to 30 June. We only award points for half the balance outstanding because this represents half your trade over the whole year. For the final payment in the year we will take your outstanding balance on 31 December and calculate the points you have earned from 1 January to 31 December. We will deduct from this final payment the amount we paid to you in your interim payment. For any part year you hold a mortgage with us we will only pay you for the whole months that you were a member and / or the mortgage was open. For example if you took your mortgage out on 15 July, but you didn’t become a member until 6 August then you would start earning points from 1 September.

Savings
For the interim payment in November, we will take an average of your monthly savings balances (taken on 5th of the month or next working bank working day) held from 1 January to 30 June and pay you half the average balance. For the final payment in June, we will calculate the average of your monthly balances from 1 January to 31 December. We will deduct from this payment the amount we paid to you in your interim payment.

Britannia products and services

From 1 January 2010 qualifying Britannia products earn points through The Co-operative Membership.

Product type	Account name	Eligible to earn points
Mortgages	Standard residential mortgages	Yes
	Residential let mortgages	Yes
	Shared equity/ownership mortgages	Yes
	Buy to let mortgages	No
	Mortgages provided by, through or in association with our partner organisations such as football clubs and trade unions	No
	Savings in conjunction with an offset mortgage	Yes
Savings and investments	Easy Monthly Saver	Yes
	EasySaver	Yes
	DirectSaver	Yes
	DirectSaver Reserve	Yes
	Flexible Savings	Yes
	Premium Saver	Yes
	HomeSaver	Yes
	Gross Interest Deposit Account	No
	Maturity Saver	Yes
	Clubs and Charities Account	No
	FirstSaver	No
	Cash Child Trust Fund	No
	Stakeholder Child Trust Fund	No
	Savings accounts provided by, through or in association with our partner organisations such as football clubs and trade unions	No
	Limited Access Cash ISA	Yes
	Easy Monthly Saver Cash ISA	Yes
	Cash ISA	Yes
	Fixed Rate Cash ISA	No
	Stocks and Shares ISA	No
	ISAs provided by, through or in association with our partner organisations such as football clubs and trade unions	No
	Bonds including fixed rate bonds and Britannia Capital Bonds	No
Other products	Products provided by, through or in association with our partner organisations such as AXA & General including:	No
	Investment products	No
	Insurance	No
	Life protection and pensions	No
	Personal loans	No
	Legal services	No
	Credit cards	No

If you hold an offset mortgage you will earn points at the prevailing rate for savings and mortgage balances.

9.3 APPENDIX 3 – The Co-operative Funeralcare

Points are awarded on:

Purchase of our funeral pre-payment plans
Funeral arrangements
Non-funeral sales
Memorial masonry sales.

Points are not awarded on:

Any discounts to be deducted from the qualifying amount
Charges paid to third parties on behalf of clients are excluded (e.g. cemetery fees, church fees, newspaper notices etc;). These are also known as disbursements
Funeral, non-funeral or memorial masonry sales paid for in part (or whole) by a redeemed funeral plan/bond are excluded
Retail funeral, non-funeral or memorials masonry sales (e.g. hospital or local authority contract funerals, other funeral directors etc;) are excluded.
You must pay the invoice for the funeral within our payment terms. If you take out a funeral plan and pay for it in full, then the points will be awarded when the plan is issued and not when the plan is used to fund the cost of a funeral. If you pay for your funeral plan over a set period by instalments or by fixed monthly payments, we will award points after you have made the third payment and not when the plan issued is used to pay for the cost of a funeral.

Who qualifies for a Share in Our Profits Payment?

Only the individual member who pays the account or is the purchaser of a funeral plan can be paid the Share of Profits (e.g. accounts being paid by Solicitor/Bank or non-members do not qualify).

9.4 APPENDIX 4 – The Co-operative Food

Points are not awarded on:

Baby milk
Stamps
Saving schemes
National Lottery purchases
Gift vouchers
Phone cards
Continuity programmes
In-store concessions
PayPoint
Newspaper delivery
Cigarettes and Tobacco

The scheme is for retail only customers – trade accounts and business-to-business sales do not earn points.

9.5 APPENDIX 5 – The Co-operative Pharmacy

Points are not awarded on:

Prescriptions
Baby milk
Gift vouchers

Prescription Collection Service / Prescription Collection and Delivery Service

This offer is available to existing members who use Prescription Collection Service / Prescription Collection and Delivery Service and to members who sign up for either service, at a participating Pharmacy branch.
Only customers/members who are patients at participating surgeries can be included in the service.
Prescription Collection Service / Prescription Collection and Delivery Service customers who are not already members of The Co-operative Group must become a member prior to signing up for this service to claim the 250 membership points. Under current UK legislation if the value of a point exceeds 4 pence the total value of this reward will be capped at £10.
The points are a one-off award and only one award can be made for each member.
Multiple transactions will not be awarded points.
The 250 points will be awarded in trading period the member signs up to or uses the service and will be paid in the following share of the profits payment.
We may change or withdraw this offer at our discretion.

9.6 APPENDIX 6 – Motor Group

Points are awarded on:

Service and parts

Servicing & repairs (including parts & labour)
All vehicle parts, accessories and merchandise sold from parts or service departments
Points are earned on the purchase of service plans and applied to the account for the value of the service at the time of the service. If you pay into a monthly payment scheme for your service plan, points will be awarded at the time of the service and not before. For full terms and conditions of the Service Plan, you should contact your dealership.
Retail only customers – trade and business-to-business sales do not earn points. This includes servicing and repair of company or lease vehicles
Retail bodyshop repairs.

Vehicle and vehicle related sales

Sale of motor vehicles at the total price paid by the customer
Points are not awarded for the sale of commercial or fleet vehicles
Additional products bought at the time of vehicle sale will earn points. These are:
• GAP insurance
• Paint protection
• Upholstery protection
• Extras including mats, mud flaps, audio equipment
Points will be awarded for the total amount spent on the purchase of the vehicle. This will include part exchanges. Where the value of the part exchange exceeds the purchase price of the vehicle being bought points will not be earned on the difference refunded to the customer.
Motability purchases earn points for the total amount spent
For vehicles paid for in part payments points are earned in the trading period when the final balance is paid. Points are applied when the deal is concluded and not paid in stages, i.e. on initial deposits and then when the balanced is paid
Vehicles bought on finance earn points.
Extended warranties

The individual purchasing and paying for the vehicle must be a member to earn membership points. For purchases in joint names the registered keeper (providing they are a member) will be awarded the membership points. Members can only receive points for vehicles, servicing or parts for vehicles registered to their home address.

For purchases made in joint or multiple names only one person can receive points for the amount spent.

The Co-operaticve Motor Group may include or exclude offers from the scheme that maybe provided through a third party.

9.7 APPENDIX 7 – Online Stores -The Co-operative Electrical

Points are not awarded on:

Delivery charges when in force
Extended warranty insurance.

9.8 APPENDIX 8 – Online Stores - The Co-operative Clothing

Members are awarded a 10% discount.

Points are not awarded on:

Delivery charges when in force
Trade accounts and business purchases.

9.9 APPENDIX 9 – The Co-operative Legal Services

Points are awarded on:

Wills and Conveyancing only. For Wills, membership points are allocated following full payment of your Will. For Mirror Wills, membership points will be allocated to one individual member only.
Our Conveyancing service points are allocated on completion. (If you sell or buy another property using our Conveyancing service we will reward you with points for each transaction.) Points will be allocated to a single member irrespective of joint allocations.

Points are not earned on the following services:

Personal injury
Probate

9.9 APPENDIX 10

Points are not awarded for trade with our subsidiary companies unless stated in the terms and conditions. From time to time subsidiary companies may run offers or promotions for our members. Rules for these offers and promotions are set by the subsidiary companies and are not the responsibility of The Co-operative Group.

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