Legal information

Conditions of Use

The content of this website and the products and services featured are only directed at and are only available to residents of the United Kingdom. The contents of this website shall be governed by and construed in accordance with English law. We will only communicate in English. Telephone calls are being recorded and may be monitored for security, quality control and training purposes.

Alliance & Leicester plc provides a Website www.alliance-leicester.co.uk ("the Website") which is generally accessible and may also offer various online services to its users. Such services may include online calculators, online application forms, internet banking products, product information, interest rates, email, chat rooms, instant messaging, text messaging, bulletin boards, and calendar facilities.

Your use of and access to the Website is subject to these Conditions of Use. By entering the Website You are agreeing to and accepting these Conditions of Use. The Conditions of Use may be changed at any time and without notice. Any changes shall be posted on this page. It is Your responsibility to check these Conditions of Use in case there are any changes. If You access and use the Website after We have made a change to these Conditions of Use You shall be treated as having accepted the change.

1. Target Audience

Although anyone may be able to access the Website, the content of the Website and the products and services featured are only directed at and are only available to and for use by residents of the United Kingdom. They are not available to anyone who is not a resident of the United Kingdom.

2. Definitions

3. About the Website

3.1 The Website is provided by Alliance & Leicester plc. Alliance & Leicester plc, Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company No: 3263713. Registered in England.

3.2 The Website is a service provided to enable You to find information about the range of products and service provided by Alliance & Leicester plc. The Website also includes advertisements and general information related to our range of products and service provided by Alliance & Leicester plc

4.Copyright and Trade Marks

4.1Our Website and the copyright in the content of and materials featured on Our Website are owned by or licensed to Us.

4.2 "Alliance & Leicester" and certain other names, words, images or logos identifying Us and the products and services featured in Our Website are the property and trade marks of the Group. Certain other names, words, images or logos may constitute trade names or unregistered trademarks of the Group.

4.3 The names and logos of third parties mentioned in the Our Website may be the trade marks, trade names or unregistered trade marks of those third parties and are used by the Group with the permission of such organisations.

4.4 You may view, print, download or store temporarily extracts from Our Website for Your own personal reference or for the purpose of applying to Us to access or use the products and services featured on Our Website. No other use (including, without limitation, the alteration, deletion, utilisation or extraction) of the content and materials featured on Our Website is permitted without Our written permission. Otherwise than as provided, Our Website cannot, whether in whole or as to any part, be copied, reproduced, distributed or transmitted in any medium (including, without limitation, by the internet) without Our written permission.

Copyright© Alliance & Leicester plc. All right reserved.

5. Third Party Products, Services and Websites

5.1 The Website may feature the products and services of, and may contain materials produced by, third parties. The inclusion of such products, services and materials and any statements made about them does not constitute advice that they are available to or suitable for You. You must ensure that any third party product or service is suitable for Your specific needs.

5.2 The Website may, from time to time, refer to third party products and services. We do not warrant, and are not responsible for, the quality or availability of such products and services.

5.3 The Website may contain various links to third party websites over which We have no control. Such links are provided for convenience only and are accessed at Your own risk.

5.4 We are not responsible for the content of products and services offered by, or any other matters (including, but not limited to, the privacy of Your information) relating to, any linked third party website. Any claim relating to any third party product or service must be made to the provider of the third party product or service.

5.5We are not responsible for any loss or damage (including, but not limited to, any direct, indirect, special, incidental or consequential damage (including the loss of profit)) relating to the products and services of third parties which are featured in or linked to the Website.

5.6 Any dealings by You with any third party on or through the Website are between You and that third party and We are not responsible for any losses or damages that may arise from any such dealings.

5.7 No third party website may in any way be linked to the Website without Our prior written consent.

6. Our Liability To You

6.1 We regularly update the Website. However, We cannot guarantee that the content of the Website or the cars, goods and services featured (including, but not limited to, third party products and services) are available (either as featured or at all). The content of and the products and services featured in the Website are subject to change at any time without notice.

6.2 We are not liable to You for any scheduled or non-scheduled interruptions of the Website.

6.3 We provide the Website and the services featured on it on an 'as is' basis and We do not guarantee that the Website or services shall be available or suitable for Your purposes and requirements. We do not guarantee the accuracy or completeness of any information contained on the Website or services nor that the Website or services shall be error free.

6.4 To the extent permitted by any applicable law, We:

6.4.1 Exclude any liability and express or implied warranties (including, but not limited to, any express or implied warranties as to fitness for purpose, accuracy and completeness of content, quality and availability), relating to Your access and use of the Website and as to the content of, and products and services (including, but not limited to, third party products and services) featured in, the Website;

6.4.2 Exclude liability for any claims, loss or damage (including, but not limited to, any direct, indirect, special, incidental or consequential damage (including the loss of profit)) relating to Your access and use of, or inability or any delay in being able to use, the Website and as to the content of, and products and services (including, but not limited to, third party products and services) featured in, the Website.

6.5 Nothing in these Conditions of Use excludes or restricts Our liability for death or personal injury resulting from Our negligence.

6.6 We do not make any representation as to the accuracy or completeness of any opinion, advice or statement or any other information given by any third party which may be featured in or linked to the Website. We exclude all liability for any loss or damage (including loss of profit) which may arise directly or indirectly from any use of or reliance upon it.

7. Your liability to Us

You shall be liable to Us for (and agree to indemnify Us against) any liabilities, losses, or expenses incurred by Us as a result of: any breach by You of these Conditions of Use; or, Your use of the Website.

8. Complaints

8.1 We have a complaints procedure in place to ensure that any complaint You may bring to Our attention is dealt with fairly and that it receives a quick response. Any complaint You may have shall be fully investigated.

8.2 In the first instance any complaint You may have relating to the Website should be sent to Us via the 'Contact Us' area of this Website. We would hope that We would be able to deal with any complaint You may have to Your satisfaction at this stage.

8.3 If Your complaint is one which We cannot quickly resolve or resolve to Your satisfaction Your complaint should be forwarded to the address in the 'Contact Us' section of the Website.

9. Access to the Website

9.1 We may change the minimum specification You require to access the Website at any time. We shall notify You of such a change by placing a message on the Website. We are not liable to You if any such change in specification results in Your Equipment (the responsibility for obtaining, maintaining and upgrading of which is Yours) becoming incompatible with the Website or becoming unable to perform, within the Website all of the functions previously performed.

9.2 You accept that We cannot guarantee the speed with which You shall be able to access and use the Website (as it shall depend upon factors such as the specification of Your Equipment and the number of people using the Website) or that You shall have uninterrupted or continuous access to the Website (including any of the products or services featured).

9.3 You must not:

• Introduce or attempt to introduce any virus or any other contaminant to the Website or any of Our systems;
• In any way attempt to access, alter, de-compile, reverse engineer, destroy or otherwise tamper with any part of the Website or any of Our systems;
• Interfere with the Use of another person's access to or Use of the Website;
• Obtain access to information relating to another person which is on Our system;
• Use or attempt to Use the Website or any of Our systems for any unlawful or immoral purpose;
• Use the Website for any commercial purpose;
• Use the Website or any of Our systems to create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from the Website or any of Our systems.

9.4 We may suspend or terminate Your access and Use of the Website at any time with or without notice. We shall be entitled to suspend or terminate Your access to the Website if We become aware and determine that You have breached any of these Conditions of Use.

9.5 You are responsible for getting an appropriate connection with a telecommunications provider in order to access the Website.

9.6 You shall be responsible for the cost of all charges You incur in accessing and using the Website.

10. General

10.1 These Conditions of Use shall be governed by and interpreted in accordance with English law. The English courts shall have sole jurisdiction over any disputes arising from the Website. We will only communicate in English.

10.2 Each of these Conditions of Use is separate from all other Conditions of Use, so that if one Condition of Use is found to be invalid or unenforceable this shall not affect the validity of any of the other Conditions of Use.

10.3 If We do not enforce any of the rights We have under these Conditions of Use, or if We delay in enforcing them, that does not stop Us from taking any action to enforce Our rights in the future.

10.4 We may at any time make changes to any part of the Website (including any change to these Conditions of Use). Any change shall be deemed to be accepted by You when You next access the Website following such change having been made.

10.5 We shall provide the Website using reasonable care and skill.

10.6 You acknowledge that any material and/or information downloaded or otherwise obtained through the Use of the Website is at Your own discretion and that You shall be solely responsible for any damage to Your Equipment or loss of data that results from the download of such material and/or data.

10.7 We shall use reasonable endeavours to keep the Website free from viruses and corrupt files. We do not warrant that the Website is free from infection by viruses or anything else with contaminating or destructive properties.

10.8 We have no obligation to monitor, censor or edit the content of any material transmitted or received by You or other Users of the Website. You are responsible for the content of any material You transmit.

10.9 We may monitor material transmitted or received using the Website and shall be entitled to modify, edit or remove any material on the Website or transmitted or received using the Website.

10.10 You may not transfer or try to transfer any of Your rights and responsibilities under these Conditions of Use. We may transfer any of Our rights and responsibilities without Your permission.

10.11 The headings in these Conditions of Use are for convenience only and shall not affect the meaning of these Conditions of Use.

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Alliance & Leicester plc are committed to protecting the privacy of the information We obtain from You. That information shall be obtained on each occasion that You access the Alliance & Leicester website and when You apply for or use any product or service featured in the Website. Alliance & Leicester plc aims to provide a service which meets Your individual requirements and needs.
By accessing and using the Website You confirm Your consent to Alliance & Leicester plc collecting and using Your information in accordance with this Privacy Statement.

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You need to be aware that third party websites which are linked to the Website or which You may need to access and Use to obtain any third party products or services featured on the Website may contain privacy provisions that differ from this Privacy Statement. Such third parties may use Your information differently to the way in which We shall Use it.

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Given that an e-mail message is sent through a number of computers over which We have no control You need to be aware that any message You send to Us or We send to You may not be secure, any data contained therein may be intercepted by or otherwise become available to a third party and We cannot guarantee the timescales within which We shall receive Your messages or You shall receive Our messages. We do not in any way control the information or materials ("Information") contained in e-mail messages. However, We reserve the right (which We may exercise at any time, at Our sole discretion and without notice) to delete, move or edit such information. In sending such Information, You waive any moral rights You may have in it.

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You acknowledge the Internet is not a 100% secure medium for communication and, accordingly, We cannot guarantee the security of any information You send to Us via the Internet. We are not responsible for any damages You, or others, may suffer as a result of the loss of confidentiality of such information.

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References to 'We', 'Us' or 'Our' are references to Alliance & Leicester plc and other companies in Our Group.*

By “your information” We mean the personal and financial information We obtain from you or from third parties (such as credit reference and fraud prevention agencies, joint account holders, other organisations who introduced us or act on your or Our behalf and from other companies within Our Group), We learn from the way you use and manage your account(s), and from the transactions you make, including the name of the supplier and the general nature of the goods or services you pay for using non-cash methods of payment.

We shall use your information:

• To assess your application, manage your account and operate services We provide;
• To trace your whereabouts, to recover debts and prevent fraud and/or money laundering;
• To understand more about you to enable Us to develop, improve and market Our products and services;
• To profile your purchasing preferences;
• For credit scoring, behavioural and statistical analysis and systems testing.

On the basis that it is kept confidential, We may at any time give your Information to

• Any organisation who introduced us or who acts on your or Our behalf;
• Service providers and agents;
• Anyone who has a legal right to require disclosure of your information;
• Any organisation that requires disclosure of your information for regulatory purposes, whether or not their power is derived from an Act/Acts of Parliament.

You have a right to ask for a copy of your information if you apply to Us in writing (a small fee is payable) and to ask Us to delete or correct any information We hold about you that is wrong.

Credit Reference and Fraud Prevention Agencies (see paragraph relevant to the product for which you are applying):-

For Mortgage, Personal Loan and Current Account products:

We shall use credit-scoring or other automated decision making systems to assess this application and to verify your identity. We shall search your records at credit reference agencies who shall supply Us with credit information as well as information from the Electoral Register. The agencies shall record details of the search whether or not this application proceeds. We and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, your current spouse/partner who lives with you or any other individual identified as being financially associated with you (your “associate”).

Information held about you by the Credit Reference Agencies may already be linked to records relating to your associate/s or other members of your household. For the purposes of this application you may be treated as financially linked and your application shall be assessed with reference to any such records. From the information you have provided in your application form, a link between you and your associate/s, shall be created at credit reference agencies, which shall link your financial records. You and your associate/s understand that each other’s information shall be taken into account in all future applications by either or both/all of you. This linking shall continue until one of you successfully files a “disassociation” at the credit reference agencies.

By providing details of a spouse or partner residing with you, you are also declaring that you are entitled to:-

• Disclose information about your joint applicant and/or anyone else referred to by you as being your associate;
• Authorise Us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

For all products:

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details for job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

We may make periodic searches of Group records, credit reference and fraud prevention agencies to manage your account with Us, to take decisions regarding credit, including whether to make credit available or to continue or extend existing credit. The searches shall not be recorded and shall not be seen or used by lenders to assess your ability to obtain credit.

If you want to receive details of the fraud prevention agencies we use or exercise your right of access to your personal records held by credit reference and fraud prevention agencies, please call Us on Freephone 0800 0681068.

For security and training purposes We may record and/or monitor your use of Our website and e-mail and telephone communications between us. We may use cookies (small files stored on the hard drive of your computer which do not harm your computer) to enable Us to record your preferences. However, We do not store any personal information that other organisations could read and understand about you and We do not monitor your visits to websites not hosted by Us.

You consent to Us transferring your information to countries that do not provide the same level of data protection as the UK if necessary for the above purposes. If we do make such a transfer We shall put a contract in place to ensure that your information is protected.

Keeping You Informed:-

We and our business partners would like to keep you informed by post, telephone, email and SMS text message about offers, products and services which may be of interest to you. If you do not want us to do this, please write to Alliance & Leicester plc, Data Admin, Bldg 3 Fl 3 (Marketing Preference Dept), Carlton Park, Narborough, Leicester LE19 0AL. However, you should remember that this will stop us from telling you about any of our special offers and promotions that may benefit you financially.

DECLARATION

It is important that you read and understand the section above entitled Use of Your Information (including Credit Reference and Fraud Prevention Agencies and Keeping You Informed). By making this application, you consent to Us using your information in this way.

* Alliance & Leicester Group at the time of printing means Alliance & Leicester plc and its subsidiaries (whether direct or indirect) including (but not limited to) Alliance & Leicester Commercial Bank plc and Alliance & Leicester Commercial Finance plc.

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A Guide to the use of your personal information by Alliance & Leicester plc and Credit Reference Agencies

Q: What is a credit reference agency?

A: Credit reference agencies (CRAs) collect and maintain information on consumers’ and businesses’ credit behaviour, on behalf of lenders in the UK.

Q: Why do you use them when I have applied to your organisation?

A: Although you have applied to Alliance & Leicester plc and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.

Q: Where do they get the information?

A: Publicly available information:-

• The Electoral Register at Local Authorities.
• County Court Judgments from Registry Trust.
• Bankruptcy information from the Insolvency Service.
• Fraud information from fraud prevention agencies.
• Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts.

Q: How will I know if my information is to be sent to a CRA or Fraud prevention agency?

A: Organisations are only allowed to send information to CRAs and/or Fraud Prevention Agencies with your agreement and knowledge. You will be told when you apply for an account if your data will be supplied. The short fair processing notice (“FPN”) on the application form and the condensed FPN in the product’s terms and conditions tell you how, when and why we will search at CRAs and what we will do with the information we obtain from them. We will also tell you if we plan to send information on you or your business, if you have one, to CRAs.

Q: Why is my data used in this way?

A: We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fairest decisions possible.

Q: Who controls what credit reference agencies are allowed to do with my data?

A: All organisations that collect and process personal data are regulated by the Data Protection Act 1998 overseen by the Office of the Information Commissioner. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.

Q: Can just anyone look at my data held at credit reference agencies?

A: No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.

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The Banking Code sets standards for the way banks and building societies conduct business with their customers. Alliance & Leicester plc subscribes to this Code, a copy of which is available on request.

We are committed to the Banking Code and the standards it sets for good banking practice when we are dealing with our personal customers in the United Kingdom. In subscribing to the Code, we promise to:

• Act fairly and reasonably in all our dealings with you
• Help you to understand how our financial products and services work
• Deal with things that go wrong quickly and sympathetically
• Publicise the code, have copies available and make sure that our staff are trained to put it into practice

Further information and a copy of the full Banking Code is available from the Banking Code Standards Board website.

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Alliance & Leicester plc. Registered Office: Carlton Park, Narborough Leicester LE19 0AL. Company Number: 3263713. Registered in England. VAT number 545765414. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is: 189099. Members of the British Bankers' Association. You can check the FSA's Register by visiting the FSA's website at www.fsa.gov.uk/register

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Current Accounts

Current Accounts Terms and Conditions (PDF)

You can download or print the latest Current Accounts Terms and Conditions (PDF).

Premier Direct Current Account

You must be 21 or over. You need to pay in at least £500 a month or we may charge fees. Credit transfers to the account from other Alliance & Leicester accounts will not count towards the minimum monthly credit. Premier Direct Current Account and credit products are subject to status. The right to decline any application is reserved. If your application for a Premier Direct Current Account is declined we may give you an alternative current account and other products and you may receive the associated Terms and Conditions. We pay 8.19% gross (fixed) before deductions a year on credit balances of £1 up to £2,500 (8.50% AER fixed) for 1 year. After that rates will go back to the Bank of England base rate less 1%. We work out interest each day and add it to or take it from your account each month. All balances over £2,500 earn 0.10% gross/AER (variable). You must have an e-mail address. You will need internet access to get full benefit from this account and to see your statements or any changes to the terms and conditions of the account. To be eligible for a Premier Direct Current Account at a rate of 8.50% AER fixed for 1 year applicants must not currently hold a Premier Direct Current Account and must not have held a Premier Direct Current Account in the three months preceding a new Premier Direct Current Account Application.

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Premier Current Account

You must be 21 or over. You need to pay in at least £500 a month or we may charge fees. Credit transfers to the account from other Alliance & Leicester accounts will not count towards the minimum monthly credit. Premier Current Account and credit products are subject to status. The right to decline any application is reserved. If your application for a Premier Current Account is declined you may be offered an alternative current account and other products and receive the associated Terms and Conditions. We will pay 0.99% gross (variable) before deductions a year on credit balances of up to £2,500 (1.00% AER Variable). All balances over £2,500 earn 0.10% gross/AER (variable). Maximum of one Premier Current Account per customer.

Premier Regular Saver with an interest rate of 12.00% gross p.a./AER is available to customers only at the time of opening a new Premier Current Account in a branch or by telephone. To apply for a Premier Regular Saver account, applicants must not hold or have held any Alliance & Leicester current account in the 3 months preceding a new Premier Current Account application. Applicants must switch all your direct debits/standing orders to the current account using our Premier Switching Service within 11 weeks from the account opening and meet the conditions of the Premier Current Account or the Premier Regular Saver may be closed. Premier Current Account must be credited with £500 p/month or fees may be applied, and Premier Regular Saver account may be closed. Minimum monthly payment into Premier Regular Saver account £10, maximum £250, for a maximum of 12 months. Interest is paid on maturity on the anniversary of the first payment due date. After 12 months the Premier Regular Saver account will be closed and funds transferred to your Premier Current Account. If you invest the maximum of £250 per month, £3,000 will be in your account at the end of the 12 month term and no withdrawals were made. At 12.00% interest, you would earn approximately £195 interest (gross). AER: Annual Equivalent Rate illustrates the interest rate if interest was paid and compounded each year. Gross is the interest without deduction of tax. For full details see Premier Regular Saver Terms and Conditions (pdf)

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year. Gross is the interest without deduction of tax.

Travel insurance is provided by Fortis Insurance Limited. Fortis Insurance Limited is authorised and regulated by the Financial Services Authority. An extra charge applies if upgrade is required to include dependents. Upper age limit of 65 applies. Subject to terms and conditions. Offer may be revised from time to time or withdrawn. Travel insurance is made available from the opening date of your Premier Current Account as held on our system.

Customers must fund their Premier Current Account with the minimum monthly funding in order to retain travel cover.

For full details of the cover, please see the Travel Insurance Policy (pdf**)

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Premier 50

Premier 50 applicants must be 50 years or over, a UK resident and must not currently hold a Premier 50 current account and must not have held one in the 3 months preceding a new Premier 50 current account application. We pay 8.19% gross (fixed) p.a. payable on credit balances of £1 up to £2,500, 8.50% AER fixed for 1 year. After that, rates revert to Bank of England Base Rate less 1%. Interest is calculated daily and credited monthly. Balances over £2,500 earn 0.10% gross (variable). AER: Annual Equivalent Rate illustrates the interest rate if interest was paid and compounded each year. Gross is the interest without deduction of tax. EAR stands for Effective Annual Rate and illustrates what the annual interest would be on a debit balance where interest is compounded each year. Overdrafts are subject to status. Overdrafts are repayable on demand. 0% EAR typical overdraft. No interest or usage fees on agreed overdraft for first 12 months. After 12 months, 0% overdraft continues but a usage fee of 50p a day (£5 max per month) applies if agreed overdraft is used. Maximum limit of £2,500 applies. This offer is not applicable to existing current account customers. Overdrafts are subject to status and are repayable on demand. Please refer to current interest rates & fees for further details.

Premier 50 Travel Insurance is provided by Fortis Insurance Limited. Pre-existing medical conditions may not be covered and some conditions may be subject to medical screening. Premier 50 Health Benefits: is provided by AXA PPP healthcare Limited and provides each account holder with up to two out-patient consultations per year. Refund will be provided for out-patient diagnostic testing up to the value of £750 per year. All consultations must follow a GP or specialist referral and all diagnostics must follow a specialist referral. Health Benefits do not cover any pre-existing medical conditions. Premier 50 Identity Protection and Alert: is provided by Homecare Insurance Limited. Cover not applicable for identity theft committed by someone living at your address, losses as a result of business activity, or costs from a pre-existing instance of identity theft. Premier 50 Card Assist: is provided by Card Protection Plan Limited. Cash advances are made subject to status and are repayable within 28 days. There are conditions governing Premier 50 benefits. Exclusions and limitations apply.
For full details of the cover, please see the Premier 50 Policies (pdf**)

Premier 50 Fixed Rate Bond: 7.50% gross p.a./AER fixed for one year. Only available to new, upgrading and existing Premier 50 Current Account customers. The Premier 50 Bond can only be funded with money from outside Alliance & Leicester. Alliance & Leicester cheques or transfers from any other Alliance & Leicester account are not allowed. On maturity your Premier 50 Fixed Rate Bond will move to our Instant Access Account. Instant Access interest rates and terms and conditions will apply. The minimum investment for the Premier 50 Bond is £1,000, with a maximum investment of £10,000. Only one bond per Premier 50 Current Account. In the case of joint accounts, either account holder can open the bond. The Premier 50 Current Account must remain open for the full fixed term of the bond otherwise the interest rate payable on the bond will be reduced to 5.00% gross p.a./AER for the entire fixed term period. The Premier 50 Fixed Rate Bond is a strictly limited offer and subject to availability. Bond maturity date 30 September 2009.

Growth and Income Account – provided by Credit Suisse: 7.00% gross p.a./AER fixed for five years on half your investment. For ISAs the gross rate is the rate we will pay you and for direct deposits the gross rate is the rate payable before deduction of tax. Available to all Premier 50 Current Account customers only; in the case of joint accounts both account holders can open an account. You must be able to hold your investment for the full term. If you need to take some or all of your money out early, you will receive back less than you originally invested. Cash ISA transfer applications must be received before 13 September 2008. Applicants should read and understand the relevant product brochure which is available from your nearest branch. Potential growth is based on the FTSE™ 100 Index. Applicants should ensure they understand the method used to calculate the potential growth on half of your investment of this product; your Alliance & Leicester Financial Advisor will be pleased to answer any questions you have. This promotion is approved by Alliance & Leicester plc. Credit Suisse International (“CSi”) is authorised and regulated in respect of its deposit taking business by the Financial Services Authority and is incorporated in England and Wales with its registered address at One Cabot Square, London E14 4QJ. CSi plc has been licensed by FTSE international Limited to use the name FTSE 100™ Index. CSi is entered on the FSA register with Registration No. 146702 and is a member of the Financial Services Compensation Scheme. As at 31 December 2007, CSi had called up share capital and reserves in excess of U.S. $10.9 billion. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if Interest was paid and compounded each year. Gross is the interest without deduction of tax.

Calls are recorded and may be monitored for security, quality control, and training purposes. Calls to 0800 numbers are free. Mobile charges may vary. Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company No. 3263713. Registered in England. Details correct as at 10 July 2008. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 189099. For details of our fees and interest rates, visit alliance-leicester.co.uk or pick up a leaflet at any branch.

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Premier 21

If you apply for the Premier 21 Current Account, you must be aged 16 - 20 and living in the UK. We pay 9.57% gross (fixed) before deductions a year on credit balances of £1 up to £1,000 (10.00% AER fixed), for 1 year. After that, rates will revert to the Bank of England base rate less 1%. We work out interest each day and add it to your account each month. All balances over £1,000 earn 0.10% gross/AER (variable). You must have an email address. You will need to have internet access to get the full benefit from this account and to see your statements or any changes to terms and conditions of the account. Applicants must not currently hold a Premier 21 Current Account and must not have held a Premier 21 Current Account in the 3 months preceding a new Premier 21 application. Credit cards, personal loans, overdraft and 'access to your last few pounds facility' are only available if you are aged 18 or over and are subject to status. Credit will depend on your financial and other circumstances. We can refuse your application. If we do refuse your application, we may give you an alternative account and we will send you the associated terms and conditions.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year. Gross is the interest without deduction of tax

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Overdrafts

Premier Direct Current Account

0% EAR typical overdraft. No interest or usage fees on arranged overdrafts for the first 12 months from when you open the account (not including customers who are moving from another Alliance & Leicester current account). After 12 months, the 0% overdraft continues but a usage fee of 50p a day (up to £5 a month) applies if you use the arranged overdraft. Maximum overdraft limit is £2,500. Overdrafts are subject to status and are repayable on demand. Please refer to current interest rates & fees for further details.

New Premier Direct Current Accounts will receive a minimum overdraft facility of £250 if the application for the current account is successful. Subject to status, additional checks and validation.

Premier Current Account

0% EAR typical overdraft. No interest or usage fees on arranged overdrafts for the first 12 months from when you open the account (not including customers who are moving from another Alliance & Leicester current account). After 12 months, the 0% overdraft continues but a usage fee of 50p a day (up to £5 a month) applies if you use the arranged overdraft. Maximum overdraft limit is £2,500. Overdrafts are subject to status and are repayable on demand. Please refer to current interest rates & fees for further details.

New Premier Current Accounts will receive a minimum overdraft facility of £250 if the application for the current account is successful. Subject to status, additional checks and validation.

Premier 21 Current Account

You can ask for an overdraft at any time and this will depend on your circumstances. We will charge you a fee of 50p a day up to a maximum of £5 per month if you use the arranged overdraft. Maximum overdraft is £2,500. 0% EAR typical (variable). We will not charge interest on overdrafts. You must repay the overdraft when we demand. Please refer to current interest rates & fees for further details.

Premier 50 overdrafts

0% EAR typical overdraft. No interest or usage fees on arranged overdrafts for the first 12 months from when you open the account (not including customers who are moving from another Alliance & Leicester current account). After 12 months, the 0% overdraft continues but a usage fee of 50p a day (up to £5 a month) applies if you use the arranged overdraft. Maximum overdraft limit is £2,500. Overdrafts are subject to status and are repayable on demand. Please refer to current interest rates & fees for further details.

New Premier 50 current accounts will receive a minimum overdraft facility of £250 if the application for the current account is successful. Subject to status, additional checks and validation.

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Premier Switching Service

Premier Switching Service is available to Premier Direct, Premier Current Account, Premier 21 and Premier 50 customers. There are three main elements to the Premier Switching Service:

1. Overdraft limit matching
Overdraft limit matching may only be considered if you use our Premier Switching Service.

For us to consider matching an overdraft limit you have elsewhere, you will need to provide an original bank statement for the current month. If you have an Internet based account, we will accept a print out of your statement if the website address is showing at the bottom. If your bank statement does not quote the overdraft limit, you will also need to provide a letter from your bank confirming your overdraft limit. Your previous account must have been in the same name(s) as the new Alliance & Leicester current account.

If you open a joint account and hold two separate accounts elsewhere, we will need the above for each account holder and we will look to match the higher of the two overdraft limits. Overdraft limit matching is subject to status and an assessment of your personal circumstances and financial behaviour. We will check to make sure your total unsecured lending with us does not go over £25,000 and we will need to be satisfied that your previous account has been run in a satisfactory manner.

2. Minimum £250 overdraft

New Premier Direct Current Accounts, Premier Current Accounts and Premier 50 current accounts will receive a minimum overdraft facility of £250 if the application for the current account is successful and overdraft facility selected (subject to status, additional checks and verification).

3. Suppression of overdraft fees during the switching process

Customers will benefit from the suppression of any overdraft fees on their Alliance & Leicester current account whilst they are in the process of switching from their existing current account provider and using the Alliance & Leicester Switching Service. Overdraft fees to include Overdraft Usage Fees, Exceeding Overdraft Limit Fees and Payment Review Fees - please refer to the interest rates & fees for details.

The waiver of Administration fee for Fixed Term Overdrafts is excluded from this offer. The switching period is defined as starting when we process a correctly completed Switching Service Authority (this may be part of the account application or after the account has been opened using the Switching Service Authority Form) and ends after we have written to confirm that we have completed our switching activities as instructed.

You will not receive a separate notification or be personally notified of the date when the fee suppression period ends. To be eligible for this offer customers must be switching at least one Direct Debit or standing order from their old current account provider using the Alliance & Leicester Switching Service. We do not include switching your salary or regular credits under this offer. This offer excludes switching from one Alliance & Leicester current account to another.

Overdrafts are subject to status and repayable on demand.

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Recommend a Friend

Recommend a Friend - earn £25 each

Offer only available to existing Premier customers who recommend new Premier customers. The person being recommended must not have held any Premier account in the 3 months preceding the application to open a new account. The offer is not available for upgraded accounts. The existing customer and the customer being recommended must open their accounts at least 1 week apart. New customers must be aged 21 or over (aged 16-20 in the case of Premier 21 and over 50 for Premier 50) and must open the Account by visiting a branch, by visiting alliance-leicester.co.uk or by calling 0800 015 8405. Applications from any other source are not eligible for this offer.
Minimum monthly funding of £500 for Premier and Premier Direct Current Accounts, this must be received within 8 weeks of the new account being opened. Initial deposit of £50 for the recommended Premier 21 account must be received within 8 weeks of the new account being opened. Minimum funding not applicable to Premier 50 Current Account but this account must still be funded, within 8 weeks of the new account being opened. £10 monthly account fee applies to Premier 50. Funding must be received from a non Alliance & Leicester account. Internet access required for Premier Direct and Premier 21. The incentive will be paid into each account provided the voucher is received within 4 weeks of the offer closing and eligibility criteria are met. The payment will be made within 8 weeks of us receiving the voucher. Maximum of 5 recommendations per Premier customer per 12 months. Offer not available to staff of Alliance & Leicester plc or its subsidiaries. Offer subject to availability. Account opening subject to status. Account Terms & Conditions will be provided at application stage. Telephone calls are being recorded for security, quality control and training purposes. Alliance & Leicester plc. Leicester LE19 0AL.

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Financial Services Compensation Scheme

Alliance & Leicester plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. In respect of deposits with a UK office, payments under the Scheme are limited to 100% of the first £35,000 of a depositor's total deposits with the bank. Most depositors, including individuals and small firms, are covered. The Scheme covers deposits made with the offices of the bank within the European Economic Area and deposits denominated in all currencies are treated alike. Further details of the Scheme are available on request.

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Savings Terms & Conditions (PDF)

You can download or print the latest Savings Terms and Conditions (PDF).

Important Information about Savings

The right to decline any applicant is reserved.

Interest rates are variable (unless otherwise stated). AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if paid and compounded each year. Gross is the interest without deduction of tax.

Full details of interest rates, including those applicable to accounts no longer available, can be found in a schedule permanently available on the counter at all branches and agents of Alliance & Leicester plc. Except for ISAs, interest will be payable net of income tax at the rate determined by H.M. Revenue & Customs, from time to time, or, subject to the required registration, gross. Registration forms are available at your nearest Alliance & Leicester branch. Tax may be reclaimed from H.M. Revenue & Customs where the amount deducted exceeds a saver's liability to tax. Similarly, if you are liable to higher rate tax, additional income tax may be payable to H.M. Revenue & Customs. Interest rates are subject to variation. Where gross monthly rates are shown they are gross Annual Equivalent Rates. Interest is calculated daily from the day following receipt, up to and including the day before withdrawal, except for investments made by cheque where interest is calculated from the fifth working day. (Working Day means Monday to Friday not including Bank Holidays).

Holders of closed branch based accounts can transfer their balances to an open account from our current savings range without charge (subject to the open account terms and conditions). Closed account holders can contact either a Customer Advisor at your nearest branch or a Customer Services Advisor at the Postal Savings Centre.

All Alliance & Leicester ISAs are Cash ISAs. We also provide Cash ISAs through Credit Suisse and Stocks and Shares ISAs through Legal & General. The favourable tax treatment of ISAs may not be maintained in the future.

All details correct as at April 2008.

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You can download or print the latest Policy Document

Important information about Personal Loans

The right to decline any applicant is reserved. Loans are only available to UK residents aged 18 or over and are subject to status. Not available to residents of the Channel Islands or Isle of Man.

Personal Loans are provided by Alliance & Leicester Personal Finance Ltd. Registered Office: Heritage House, 61 Southgates, Leicester, LE1 5RR. Registered in England. Company number 2486611. Alliance & Leicester Personal Finance Ltd is an appointed representative of Alliance & Leicester plc. Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company Number: 3263713. Registered in England. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 189099.

The content of this website and the products and services featured are only directed at and are only available to residents of the United Kingdom. The contents of this website shall be governed by and construed in accordance with English law. Calls are recorded and may be monitored for security, quality control and training purposes. The Banking Code sets standards for the way banks and building societies conduct business with their customers. Alliance & Leicester plc subscribes to the Codes, copies of which are available on request. Click here for more information on the Banking Code.

All details correct as at May 2008.

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Guaranteed Capital Accounts

AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year. For ISAs, the gross rate is the rate we will pay you and for deposit investments the gross rate is the rate payable before the deduction of tax.

You must be able to hold your investment for the full term. If you need to take some or all of your money out early, you may receive back less than you originally invested.

The current products in the Guaranteed Capital Account Series are only available for a limited period from 12 June 2008 to 2 August 2008. Cash ISA transfer applications must be received before 19 July 2008.

Applicants should read and understand the relevant product brochure which is available from your branch. Potential growth is based on an index of emerging markets stocks. Applicants should ensure they understand the methods used to calculate the potential growth of this product. Your Alliance & Leicester financial advisor will be pleased to answer any questions you have.

Issued and approved by Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company No 3263713. Registered in England. Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 189099. Credit Suisse International ("CSi") is authorised and regulated in respect of its deposit taking business by the FSA and is incorporated in England and Wales with it's registered address at One Cabot Square, London E14 4QJ. CSi is entered on the FSA register with Registration No. 146702 and is a member of the Financial Services Compensation Scheme. As at 31 December 2007, CSi had called up capital and reserves in excess of US$10.9 billion. Alliance & Leicester plc has been licensed by FTSE International Limited to use the name FTSE™ 100 Index. Rates correct as at 10 June 2008

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Balanced Savings & Investment Plan

Please note that the favourable tax treatment of ISAs may not be maintained. Investors must be aged 18 or over to invest in an ISA.

Past performance is not a guide to future performance. Both capital and income values of investments may go down as well as up. You may get back less than the amount invested.

Product is available on a limited basis and offer may be withdrawn at any time.

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Portfolio Bond

Past performance is not a guide to future performance. Both capital and income values of investments may go down as well as up. You may get back less than the amount invested.

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Unit Trusts / OEICs

Past performance is not a guide to future performance. Both capital and income values of investments may go down as well as up. You may get back less than the amount invested.

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Individual Savings Accounts

Please note that the favourable tax treatment of ISAs may not be maintained. Investors must be aged 18 or over to invest in an ISA.

Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company Number: 3263713. Registered in England.

Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 189099.

Telephone calls are being recorded for security, quality control and training purposes.

These products are only available to UK residents and all contracts governed by and construed in accordance with English Law.

Past performance is not a guide to future performance. Both capital and income values of investments may go down as well as up. You may get back less than the amount invested.

The contents of this Website are only directed at residents of the United Kingdom and shall be governed by and construed in accordance with English Law.

All details correct as at June 2008.

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Life Cover

Full details are available in the technical guide and Key Features documents which are available on request.

Life Cover is provided by Legal & General Assurance Society Limited. Registered in England No. 166055. Registered Office: One Coleman Street, London, EC2R 5AA.

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Critical Illness Cover

Full details are available in the technical guide and Key Features documents which are available on request. Critical Illness Cover is provided by Legal & General Assurance Society Limited. Registered in England No. 166055. Registered Office: One Coleman Street, London, EC2R 5AA.

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Whole of Life Protection Plan

Whole of Life Protection Plan is provided by Legal & General Assurance Society Limited. Full details are available in the technical guide and Key Features documents which are available on request. Registered Office: One Coleman Street, London, EC2R 5AA

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Family and Personal Income Plan

Full details are available in the technical guide and Key Features documents which are available on request. Family and Personal Income Plan is provided by Legal & General Assurance Society Limited. Registered in England No. 166055. Registered Office: One Coleman Street, London, EC2R 5AA.

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Income Protection Benefit

Full details are available in the technical guide and Key Features documents which are available on request. Income Protection Benefit is provided by Legal & General Assurance Society Limited. Registered in England No. 166055. Registered Office: One Coleman Street, London, EC2R 5AA.

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Car Insurance

Alliance & Leicester Motor Insurance is arranged and administered by Equity Insurance Brokers Limited, which is authorised and regulated by the Financial Services Authority. Registered Office: Library House, New Road, Brentwood, Essex, CM14 4GD. Equity Insurance Brokers Ltd’s FSA register number is 312083.

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Home Insurance

Home Solutions is underwritten by Zurich Insurance Company. A limited company incorporated in Switzerland. UK Branch registered in England number BR105. UK Head Office, Zurich House, Stanhope Road, Portsmouth, Hampshire PO1 1DU.

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Travel Insurance

1. The maximum age limit on a single trip policy is 84 years. The maximum age limit on an annual multi-trip policy is 69 years.
2. If you have taken out family cover, cover applies to you and your spouse (including common-law spouse and civil partner), plus all your unmarried dependent children under the age of 18 years who are permanently residing with you or 21 years who are in full time education. Your unmarried dependent children are only covered when travelling with and under the supervision of an adult who is responsible for their care for the length of the trip.
3. UK Cover is defined as England, Scotland, Wales and Northern Ireland including Isle of Man. European Cover is defined as Europe, the Channel Islands, The Republic of Ireland, Madeira, the Canary Islands, Syria, Turkey, Tunisia, Egypt, Israel and all countries bordering the Mediterranean Sea. Worldwide Cover except the United States of America, Canada and the Caribbean is defined as worldwide except the United States of America, Canada and the Caribbean. Worldwide Cover is defined as worldwide.

Not sure if your destination is covered? Call the Fortis Travel Insurance team on 0800 085 4525^†

(Lines open: 8am-8pm Monday-Friday, 9am-1pm Saturday, except Bank Holidays)

Travel insurance is underwritten by Fortis

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Important Information about Credit Cards

The Alliance & Leicester Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. You cannot transfer balances from another Alliance & Leicester or MBNA Credit Card account. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.

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Important Information about Secured Loans

Alliance & Leicester Personal Finance Ltd introduce secured loan enquiries to Freedom Finance. Registered Office: Freedom House, Church Street, Wilmslow, Cheshire, SK9 1AX. Company Number 1780977. Registered in England, who arrange Secured Loans through their panel of lenders. A broker fee between 0% and 10% may be charged, on average this amount is £763. You can check the FSA's Register by visiting the FSA's website at www.fsa.gov.uk/register. Alliance & Leicester plc. Registered Office: Carlton Park, Narborough, Leicester LE19 0AL. Company Number: 3263713. Registered in England.

The right to decline any applicant is reserved. Loans are only available to UK residents aged 18 or over and are subject to status and security. Security will take the form of a second charge on the property of the applicant. Not available to residents of Channel Islands or Isle of Man.

The content of this website and the products and services featured are only directed at and are only available to residents of the United Kingdom. The contents of this website shall be governed by and construed in accordance with English law. Calls are recorded and may be monitored for security, quality control and training purposes.

The content of this website and the products and services featured are only directed at and are only available to residents of the United Kingdom. The contents of this website shall be governed by and construed in accordance with English law. For security and training purposes telephone calls may be recorded/monitored.

The Banking Code sets standards for the way banks and building societies conduct business with their customers. Alliance & Leicester plc subscribes to this Code, a copy of which is available on request.

We are committed to the Banking Code and the standards it sets for good banking practice when we are dealing with our personal customers in the United Kingdom. In subscribing to the Code, we promise to:

• Act fairly and reasonably in all our dealings with you
• Help you to understand how our financial products and services work
• Deal with things that go wrong quickly and sympathetically
• Publicise the code, have copies available and make sure that our staff are trained to put it into practice
• Further information and a copy of the full Banking Code is available from the Banking Code Standards Board website.

Further information and a copy of the full Banking Code is available from the Banking Code Standards Board website.

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Important Information about Mortgages

Mortgages are subject to status, valuation, availability and our lending policy, and are only available to new customers or existing customers moving home.

For interest only mortgages, an appropriate repayment vehicle (such as a savings policy or pension plan) must be in force, with sufficient proceeds to repay the loan. The repayment vehicle must be maintained whilst the loan is outstanding. Minimum and maximum loan sizes apply. Our residential mortgages are restricted to 95% of the purchase price/valuation (whichever is lower). For loans exceeding 90% of the purchase price or valuation (whichever is lower.)The maximum mortgage loan available (excluding any Higher Lending Charge) will be based on the lower of the current value or purchase price of the property. For purchase price/valuation, up to £500,000 we will lend up to 90% loan to value, and over £500,000 we will lend up to 85%.

Any mortgage (or part thereof) unrelated to the purchase of your home, or improvement to it, will be charged at a different rate. A Redemption Administration Charge may be payable in certain circumstances if you repay your mortgage early. Unless you have received an Offer of Loan, we reserve the right to withdraw any mortgage offer without prior notice.

10% Overpayment Facility – Customers who choose one of these products will have the option of making a one off annual payment of up to 10% of the Interest Bearing Balance (IBB) on their mortgage (without incurring any Early Repayment Charge). Any such overpayment must be for a minimum amount of £500, over and above their monthly mortgage payment, and can only be made during each month of January which falls during the period which an Early Repayment Charge is payable.

Free Valuation is for mortgage purpose only and by way of a refund of the valuation fee i.e. the relevant Valuation fee is paid to us before the Valuation is carried out and will be refunded following completion of your mortgage with us. Our free Valuation, where applicable, is limited to one per application. To qualify for a free Valuation, Alliance & Leicester must choose and instruct the valuer (procedures differ in Scotland for purchase customers). If a Homebuyers, Survey and Valuation or Building survey is required, the full amount must be paid on application. The full amount will be charged even where the chosen product attracts a free Valuation, and the equivalent cost of the free/refunded valuation will not be refunded. This valuation offer cannot be used in conjunction with any other valuation offers. Alliance & Leicester may use alternative valuation methods, which include the use of limited external appraisals, automated valuations or use computer based data to establish the value of the property. Remortgage customers will not receive a copy of the valuation report.

For details of current valuation fees, please speak to us at Alliance & Leicester Mortgage Direct on 0800 056 3254† (Textphone 0800 056 3250), quoting ref: i51.

If you would like us to send you any information in the future in larger print, or in Braille, or on audio tape, just call 0800 056 3254.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

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

All details correct as at May 2008.

Buy to let Mortgages

Alliance & Leicester plc is authorised and regulated by the Financial Services Authority. Our FSA number is 189099. The FSA does not regulate buy to let mortgages

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

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Mobile Banking

*There are no data charges from your mobile network for registering, using or downloading MONILINK™ Mobile banking with the exception of Orange and Virgin. For Orange and Virgin customers MONILINK™ usage and download will be charged at your standard data tariff. Free access to MONILINK™ via Orange and Virgin will be available soon. For the period 1st July 2007 to 30th September 2008 inclusive, all Mobile banking customers will receive free MONILINK™ Mobile Banking. From 1st October 2008 a fixed monthly fee of £1.50 will be charged for use of the Mobile banking service unless notified otherwise by email or by text message. The charge will be deducted and will appear on your current account statement or mobile phone bill or deducted from available credit if a pre-pay phone. Please see latest charging information at www.alliance-leicester.co.uk or www.monilink.co.uk. You should ensure that you keep your phone secure at all times. Mobile phone top-ups will be debited directly from your current account and will be shown on your current account statement. Additional overseas network charges may apply when the service is used abroad. The service is provided by Monilink Limited. Offer conditions can change at any time. Monilink Limited is registered in England and Wales at Companies House. Registered office: Providian House, 16 - 18 Monument Street, London, EC3R 8AJ. Registered company number: 4831976.

If you wish to stop Text Services but still want to use the on-demand service then select ‘Stop Alerts’ from within the Text Services options within MONILINK. If you wish to stop the Mobile Banking service altogether – you can either text STOP to 82428 or you can cancel the service from within the Options Menu of MONILINK. Please note if you text STOP it will stop the whole service across all accounts you have registered for Mobile Banking on MONILINK. If you choose this option and then wish to use the on demand service again you will need to re-register for the Mobile Banking MONILINK service. (You will be charged at your standard text message rate by your network operator to send this text). To contact MONILINK, please telephone Customer Services on 0808 168 2957 or Textphone 0808 168 2953 or visit their website www.alliance-leicester.monilink.co.uk. Calls are recorded and may be monitored for security, quality control and training purposes.

All details correct as at August 2008.

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1. Definitions
2. Introduction
3. Scope of Service
4. Copyright and Trade Marks
5. Third Party Products, Services and Websites
6. Access To The Service
7. Telephone Facility
8. General Security Information
9. Security Information - Your Equipment
10. Exclusion of Liability
11. Your Liability
12. Termination of the Service
13. Changes to these Terms and Conditions
14. Applicable Law
15. Complaints
16. General
17. Privacy Statement
18. About us

1. Definitions

In these Terms and Conditions:

"Account" means any open account(s) that You hold with the Group and which We allow You to register once on the Alliance & Leicester Internet Banking Service;

"Account Terms" means the Terms and Conditions of the Account;

"Business Day" means any day other than a Saturday, Sunday or bank holiday in any part of the United Kingdom;

“Conditions of Use” – means the Conditions of Use Terms and Conditions which govern the use of the Website which can be found at www.alliance-leicester.co.uk ;

"Group" means Alliance & Leicester plc and its subsidiaries;

"Helpline" means a telephone helpdesk service We provide to assist You in using the Alliance & Leicester Internet Banking Service, details of which are set out in the Online Help facility;

"Instruction" means using the Alliance & Leicester Internet Banking Service to:

• Obtain information relating to the balance and transactions on the Account;
• Instruct Us to transfer money to and from the Account, such transfers being made in accordance with the Online Help facility;
• Use the other facilities which We may from time to time incorporate into the Alliance & Leicester Internet Banking Service;

"Online Help" means the Online Help facility which appears on www.mybank.alliance-leicester.co.uk ;

"Security Details" means:

• The initial Customer PIN which We give You; and
• The Customer PIN, other than the initial Customer PIN; and
• The customer identification (the "Customer ID ") which We give You when You first use the Alliance & Leicester Internet Banking Service;
• A password which We agree with You;
• Any item of memorable information which We ask You to confirm (that is, place of birth, memorable name, memorable place /address and memorable date); and any other security requirements which We may notify to You;

"Service" means the Alliance & Leicester Internet Banking Service We provide which enables You to give Instructions to Us relating to Your Account by logging on at www.alliance-leicester.co.uk or alternatively www.mybank.alliance-leicester.co.uk;

"We" / "Our" / "Us" means Alliance & Leicester plc;

“Website” means Our Website at www.alliance-leicester.co.uk or www.mybank.alliance-leicester.co.uk;

"You" / "Your" means the person named on the application form for the Alliance & Leicester Internet Banking Service;

"Your Equipment" means all such compatible equipment, software and communications lines (including any public communication lines) required by You to properly access the Alliance & Leicester Internet Banking Service.

2. Introduction

These Terms and Conditions govern your use of the Service. You are advised to read them carefully. They are in addition to the Terms and Conditions applicable to the products and services featured, and all other legal and regulatory information detailed elsewhere, in the Website. These Terms and Conditions, Your Account Terms and Conditions of Use together form the agreement between You and Us regarding Your use of the Service.

If there is any conflict between these Terms and Conditions and Your Account Terms in respect of Your use of the Service, these Terms and Conditions will prevail. If there is any conflict between these Terms and Conditions and Your Account Terms in respect of Your Account, Your Account Terms will prevail.

3. Scope of Service

The Service is only available to customers who hold an Account and is intended for use by UK customers only. The Service is not available to anyone who is not a resident of the U.K. The Service may also offer various online services to its users. Such services may include targeted offers, online calculators, online application forms, product information, interest rates, email, chat rooms, instant messaging, text messaging, bulletin boards, and calendar facilities. The Service uses a high level of encryption and the use of such encryption may be illegal in some countries outside of the UK. If You decide to use the Service outside the UK, You are responsible for ensuring that Your use of the Service is permitted by local law and We shall not be liable for any loss or damage suffered by You as a result of You not being able to use the Service in these countries.

6. Access to The Service

6.1 You are responsible for obtaining and maintaining Your Equipment and for ensuring that it is compatible with the Service. We have no responsibility or liability with respect to Your Equipment. We will notify You of the minimum specification of computer system required to enable You to access and use the Service.

6.2 We may change the minimum specification You require to access the Service at any time. We will notify you of such a change by placing a message on Our Website. We do not accept responsibility if any such change in specification results in Your Equipment becoming incompatible with Our Website or becoming unable to perform within Our Website all of the functions previously performed.

6.3 You will be responsible for the cost of all charges You incur in accessing and using Our Website.

6.4 We cannot guarantee the speed with which You will be able to access and use the Service (as it will depend upon factors such as the specification of Your Equipment and the number of people using Our Website) or that You will have uninterrupted or continuous access to the Service.

6.5 You must not:

• introduce or attempt to introduce any virus or any other contaminant to Our Website or any of Our computer systems;
• in any way attempt to access, alter, de-compile, reverse engineer, destroy or otherwise tamper with any part of Our Website or any of Our computer systems;
• interfere with the use of another person's access to or use of Our Website;
• obtain access to information relating to another person which is on Our computer system;
• use or attempt to use Our Website or any of Our computer systems for any unlawful or immoral purpose.
• Use the Website for any commercial purpose;
• Use the Website or any of Our systems to create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from the Website or any of Our systems.

6.6 We may suspend or terminate Your access and use of the Service at any time with or without notice if there is a valid reason in Our opinion for Us to do so. If We do this, You may not be able to operate an Account which is dependent on Internet Banking and You may need to make alternative arrangements.

6.7 You are responsible for getting an appropriate connection with an Internet Service Provider in order to access the Service.

6.8 We shall control, direct and establish technical procedures for using the Service (and We may vary them from time to time). You agree to follow Our instructions and adhere to Our procedures when using the Service as notified to You from time to time.

6.9 We shall be entitled to make operational changes to and alter the facilities available under the Service at any time. We will notify You of significant changes.

6.10 You are responsible for ensuring that Your Instructions (including all the details We may require to carry out Your Instructions) and any information You give to Us is accurate and complete. We shall not be liable for any loss or damage You suffer if they are in any way inaccurate or incomplete.

6.11 You agree that any material and/or information downloaded or otherwise obtained through the use of the Service is at Your own discretion and that You will be responsible for any damage to Your Equipment or loss of data that results from the download of such material and/or data.

6.12 We shall use reasonable endeavours to keep the Service free from viruses and corrupt files but We do not warrant that the Service is free from infection by viruses or anything else with contaminating or destructive properties. We recommend that where practicable You "virus check" information sent to You by Us. We shall not be liable for any corrupt information sent to You by Us or for any corrupt information You send to Us.

6.13 If We receive an Instruction before 3:00pm on a Business Day We will use all reasonable efforts to comply with that Instruction on that Business Day. If We receive an Instruction after 3:00pm on a Business Day We will use all reasonable efforts to comply with that Instruction during the course of the next Business Day. However, We may in Our absolute discretion refuse to carry out any Instruction or reverse any action taken by Us in response to any Instruction.

6.14 You undertake to co-operate fully with Us in any investigation We may wish to carry out in relation to the use of the Service.

6.15 You may not use the Service to overdraw Your Account beyond any facility as previously agreed by Us in writing. If any Instruction causes Your Account to become overdrawn (without Our prior agreement in writing) or to exceed an overdraft limit agreed by Us in writing this does not mean that We will process such Instructions again or that We have agreed to increase Your overdraft limit.

6.16 We shall not be required to carry out Instructions in any particular order.

6.17 We may place messages or directions on Our Website and You should from time to time check Our Website for such messages or directions. If Your Account is internet based it is Your responsibility to ensure that You update Us on any changes to Your e-mail address.

6.18 You must notify Us immediately via the Helpline if You become aware of any error or any suspected error in the Service or in any transaction resulting from using it. You should check your statements of account carefully.

7. Telephone Facility

7.1 We operate a Helpline facility to:

• enable You to access or use Your Account;
• to assist You in using or accessing or obtaining information about Your Account.

7.2 All telephone charges You incur in using Our Helpline facility must be paid by You

7.3 You accept that:

• the records We maintain of any instructions You give to Us will be conclusive evidence of Your Instructions and of the time when they are given (except in the case of an obvious mistake);
• We shall not be liable for any loss You may suffer if Your Instructions are inaccurate, incomplete or wrong.

7.4 All telephone calls between Us and You may be monitored to make sure that We carry out Your instructions correctly and will be recorded for security, training and quality control purposes.

8. General Security Information

8.1 You must:

• Immediately memorise Your Security Details and destroy any advice containing the Security Details (except that You may keep a record of the Customer ID);
• Not keep any written record of Your Security Details (with the exception of the Customer ID);
• Keep Your Security Details secret and take reasonable steps to prevent anyone else from finding out Your Security Details;
• Not quote Your Security Details in any correspondence (with the exception of the Customer ID), or over the telephone unless it is Security Details provided to enable You to access Your Account by telephone. When quoting any Security Details You must ensure You cannot be overheard.

8.2 You must not allow any other person to use or know Your Security Details.

8.3 You must tell Us immediately by telephoning the Helpline if:

• You know or think that someone else (who is not authorised to access it) is accessing or using or has tried to access or use Your Account;
• You know or think that someone else knows Your Security Details;
• You have forgotten Your Security Details.

8.4 If Your Security Details are used by someone else with Your permission or You have been fraudulent or negligent and You or We suffer loss as a result, You will be liable for all losses.

8.5 We may give information to the police or to a regulatory authority without asking You about any misuse or abuse of Your Account, Your Security Details or Our computer system.

8.6 Whilst We will check that any instruction given relating to Your Account is given with the correct Security Details, We shall not be obliged to take any further steps to check that the instructions are given by You.

8.7 We may require You to change Your Security Details at any time and for any reason. You must change Your Security Details if We so request.

8.8 Whilst We will take all reasonable steps to safeguard the security of Your confidential information, We cannot guarantee the security of any confidential information which is transmitted through the Internet. Please read the Privacy Statement attached to these Terms and Conditions.

9 Security Information - Your Equipment

9.1 You must ensure that You are authorised to use Your Equipment if it is not owned by You and that no one can oversee or in any other way monitor Your use of the Service.

9.2 You must always exit the Service when leaving Your Equipment unattended and ensure no one else has access to Your Security Details.

10. Exclusion of Liability

10.1 We shall not be liable to You for any loss or damage (other than that which cannot be excluded in law) which You may suffer as a result of:

• Our having acted upon Your Instructions received using the Security Details or following receipt of any information from You;
• Any misuse or abuse of the Service by You;
• Your Security Details having been disclosed by You to someone else;
• Our system for any reason being unavailable;
• The acts or omissions by Your Internet Service Provider or aggregation service.

We will be liable for losses (subject to the limitation in clause 10.3) if Instructions are not given by You unless:

• You have acted fraudulently; or
• You have failed to exercise reasonable care; or
• You have failed to follow security requirements in Our Account Terms or these Terms and Conditions including the safeguards in clauses 7 and 8; the Instruction was made by someone else with Your permission

10.2 We shall not be liable for any errors or delay or failure to follow Your Instructions if this is due to anything beyond Our control, for example:

• industrial action;
• fire, flood, explosion, government act, terrorism;
• the failure, directly or indirectly of any power supply, machine, data processing system, data transmission link, or telephone link.

10.3 Any liability We may have to You will be limited to the value of the transaction during the course of which such liability arose. We shall not be liable to You in any circumstances for any loss or damage (other than that which cannot be excluded in law) which:

• is not direct;
• is beyond Our reasonable control; or
• which We could not reasonably foresee.

10.4 We regularly update Our Website. The content of and the products and services featured in Our Website are subject to change at any time without notice.

10.5 Nothing in these Terms and Conditions seeks to exclude or restrict liability for death or personal injury resulting from Our negligence.

11 - Your Liability

11.1 You will be liable to Us for (and agree to indemnify Us against) all actions, claims, costs, damages, demands, expenses, liabilities, losses and proceedings We directly or indirectly incur or which are brought against Us if You have:

• acted fraudulently;
• failed to exercise reasonable care;
• misused or abused the Service;
• failed to observe and comply with these Terms and Conditions (including clauses 8 and 9).

11.2 If You use an account aggregation service (for example, a service that enables You to access on a single web page some or all of Your online accounts, whether with Alliance & Leicester or another financial services provider), You may be liable for any fraud or errors that occur on those accounts as a result. If You choose to use such a service, You should follow any security advice that we or the account aggregation service provider give You.

12 - Termination of the Service

12.1 You can terminate Your use of the Service by telephoning the Helpline or upon giving Us written notice by traditional post or such other means as We may agree with You. Please bear in mind that You may need to have Internet access as a condition of some of Our Accounts.

12.2 We may end Our agreement with You at any time. We will give You at least 30 days prior notice if We wish to end Our agreement with You. However We may give You a shorter period of notice (provided that such notice is reasonable in all the circumstances):

• where security requires it; or
• in circumstances beyond Our control; or
• in the event of fraud; or
• Your failure to observe and comply with these Terms and Conditions.

12.3 Any Security Details or documentation relating to the Service remains Our property, and upon termination of the Service, for whatever reason, shall be returned to Us and/or destroyed, as instructed by Us at that time. Such material shall not be copied, transcribed or used for any purpose other than as specifically authorised in these Terms and Conditions.

12.4 The following clauses shall still remain in force if Our agreement with You in respect of the Service ends: clauses 4.1, 7.3, 10, 11, 12, 12.3, 12.4, 12.5, 12.6, 14 and 15.

12.5 Termination of the Service will not affect any rights We may have against You or any liabilities You may have to Us.

12.6 Upon termination We shall at Our discretion either carry out or refuse to carry out any outstanding Instruction You may have given to Us.

12.7 Upon closure of all of Your Accounts which You have registered for the Service, Your use of the Service will end.

13 - Changes to these Terms and Conditions

13.1 We may change these Terms and Conditions and will tell You about any changes. We will tell You about any changes by:

• writing to You; or
• a message on or with Your Account statements; or
• a message on Our Website; or
• electronic mail.

13.2 If the change is to Your disadvantage We shall tell You about it at least 30 days before We make the change and at any time up to 60 days from the date of the notice You may, without notice, switch Your Account or close it without having to pay extra charges or interest for doing this.

13.3 We will make any further changes immediately and tell You about it within 30 days.

14 - Applicable Law

These Terms and Conditions shall be governed by and interpreted in accordance with English law. We will only communicate with You in English. The English courts shall have sole jurisdiction over any disputes arising from Your use of the Service.

15 - Complaints

15.1 We have a complaints procedure in place to ensure that any complaint You may bring to Our attention is dealt with fairly and that it receives a quick response. Any complaint You may have shall be fully investigated.

15.2 In the first instance any complaint You may have relating to the Service should be sent to Us via the "Contact Us" area of the www.alliance-leicester.co.uk Website. We would hope that We would be able to deal with any complaint You may have to Your satisfaction at this stage.

15.3 If Your complaint is one which We cannot quickly resolve or resolve to Your satisfaction Your complaint should be forwarded to the address in the "Contact Us" section of the Website.

15.4 We are covered by the Financial Ombudsman Service. If We do not resolve Your complaint internally to Your satisfaction, You may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

16 - General

16.1 Each of these Terms and Conditions is separate from all other Terms and Conditions, so that if one Legal Term is found to be invalid or unenforceable this will not affect the validity of any of the other Terms and Conditions.

16.2 If We do not enforce any of the rights We have under these Terms and Conditions, or if We delay in enforcing them, that does not stop Us from taking any action to enforce Our rights in the future.

16.3 The headings used in these Terms and Conditions are for ease of reference only and shall not affect the meaning of these Terms and Conditions.

16.4 We or You may contact each other by post, telephone, electronic mail or any other means We agree. We will ask You for Your Security Details when You telephone Us.

16.5 If We need to send You a formal notice (other than those concerned with the day to day operation of the Account or changes to these Terms and Conditions) We will send the notice by first class post and it will be deemed to be received 24 hours after posting.

16.6 If You notify Us of a change to any of Your personal details, We will update all Your sole named and joint named accounts You hold with Us.

17. Privacy Statement

Alliance & Leicester plc are committed to protecting the privacy of the information We obtain from You. That information shall be obtained on each occasion that You access the Alliance & Leicester Website and when You apply for or use any product or service featured in the Website. Alliance & Leicester plc aims to provide a service which meets Your individual requirements and needs.

By accessing and using the Website You confirm Your consent to Alliance & Leicester plc collecting and using Your information in accordance with this Privacy Statement and the section entitled "Use of Your Information" on the application form.

A. Third party websites

You need to be aware that third party websites which are linked to the Website or which You may need to access and Use to obtain any third party products or services featured on the Website may contain privacy provisions that differ from this Privacy Statement. Such third parties may use Your information differently to the way in which We shall Use it.

B. Use of e-mail (including e-mail Alerts)

Given that an e-mail message is sent throu