Look what you get with this credit card:

• 12.9% APR typical/variable
• 7% pa on balance transfers† for 6 months from the date of each balance transfer
• 7% pa on purchases from our ethical partners for 6 months after each purchase** - 12.9% APR typical / variable
• Up to 59 days interest free credit*
• No annual fee
• Help protect 1/3 of an acre of Indonesian rainforest the very first time you use your think credit card.
• For every £100 spent on your card we’ll donate 25p to RSPB’s Indonesian Rainforest project
• Manage your credit card account online with secure online banking
• 24/7 UK call centre
• This credit card is provided by The Co-operative Bank, still the only UK high street bank to have a customer-led Ethical Policy
• When you take out Credit Card Plus with your credit card you’ll get a fantastic range of benefits that will give you some serious savings and with our choice of benefit bundles you can shape your membership to suit your lifestyle. All for just £8.50 per month. For more information call 0845 604 1033.

GROSS

Gross means the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

NET

NET means the contractual rate of interest payable after the deduction of income tax at the rate specified by law.

AER

AER is the notional rate which illustrates the contractual interest rate as if paid and compounded on an annual basis.

Interest rates on savings accounts are variable.

A.P.R (Annual Percentage Rate)

Must be quoted on all Lending quotes/offers. takes into account compounding of interest - customer reduces principal debt monthly - every half year interest is applied to the principal and customer pays interest on new principal (including the applied interest. APR includes the payment of interest on top of interest.

FLAT RATE

Specific rate per £100 borrowed. does not take into account any compounding interest. eg. Flat Rate = 24% : £24 of interest charged per £100 borrowed.

C.A.R. (Compound Annual Rate)

Application of Credit Interest at half-year which gains further credit interest throughout Year - Credit interest on top of credit interest.

BASE RATE

The rate at which the Bank Of England charge for money loaned to the Money Markets - which may then be "Loaned on" to Banks at a slightly higher rate. The Government can manipulate this rate, via The Bank of England in order to control inflation and implement other monetary strategies.

EAR

EAR is the equivalent annual rate.

Credit facilities provided by The Co-operative Bank Plc, are subject to status and not available to non-UK residents or anyone under 18 years of age. Clear applicants must be aged 18 or over and have annual income of £10,000 or more and already hold a credit card. Gold applicants must be aged 21 or over and have annual income of £15,000 or more and already hold a credit card. Platinum applicants must be aged 25 or over and have annual income of £25,000 or more and already hold a credit card.The Bank reserves the right to decline any application or offer a card product that differs to those advertised. Telephone calls may be monitored and/or recorded for security and/or training purposes.

PRIVACY

The privacy of Co-operative Bank customers is very important to us, and how we deal with personal information is outlined in our terms and conditions. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have:

We will only use the personal information we gather:

• in the normal course of our business to provide the products and services you have requested
• to identify you when you contact us
• to determine if we can offer you a better service or more relevant products
• to send you e-mail updates of service changes which are important to you or which we feel may be of interest to you
• for credit assessment, to review the conduct of and to administer/operate your accounts
• for statistical analysis, including automated techniques (eg behaviour and credit scoring) and to monitor and analyse our business

We will disclose your personal information only to:

• our agents and sub-contractors to administer and operate your account or to conduct our business
• to our affinities' partner(s) if you have an affinity product(s)
• the insurer of any payment or card protection cover which you take out in connection with your account
• our licensed credit reference agency who may keep a record of any search we make and your personal information may be shared with and used by other lenders in assessing applications from you or members of your household
• any person to whom we transfer our rights or obligations under this agreement
• for debt tracing or fraud prevention
• to help desk advisers, minicom/typetalk operators or their equivalent
• if required or compelled to do so by law

The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Banking Code, is a member of the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).

Credit card payment protection plan
About payment protection cover

Credit card payment protection plan from The Co-operative Bank is a simple way to help meet your credit card repayments. It could cover your credit card repayments if you have an accident, become ill or suddenly find yourself unemployed through no fault of your own.

To be eligible for this cover, provided by Aviva, you must be:-

• Aged 18 or over and under 65
• A UK resident excluding the Channel Islands and the Isle of Man
• Working 16 hours or more per week in permanent paid employment*
• The principal card holder

Benefits include:

The cost of your PPI is 76p per £100 of your monthly statement balance. For example, if you have an outstanding balance of £1,000 in any one month, the amount charged to your account will be £7.60 in that month. Should your borrowing remain at this level for 12 months, then the total debited to your credit card account for PPI would be £91.20 plus interest at your normal rate.

Some limitations and exclusions exist, the most significant of which are listed below. These are not all of the exclusions and limitations, and it is very important that you read the Policy Documentation carefully, as there may be exclusions which limit your ability to claim under the policy:

You will need Adobe Acrobat Reader to read this. Download this here.

You have not received any advice or recommendation on this product but have been provided with information in order to make an informed decision. It is important that you read the Policy Documentation in order to check whether the policy is suitable for your needs within the statutory 30 day cancellation period.

*Paid employment is defined as paid work of at least 16 hours per week. This includes self-employed work and statutory maternity and parental leave but it does not include temporary work. Examples of temporary work include that done on a casual basis or through a recruitment agency.

As well as helping the Indonesian rainforest every time you make a purchase with it, The Co-operative Bank's think credit card also rewards you for making greener and more ethical choices in your day-to-day life.

Use your card to purchase any of the products and services from our range of ethical partners and receive a lower rate of just 7% pa for six months 12.9% APR typical/variable. Whether it's food, clothing or transport, you can help to make a difference.

RSPB is working with its sister organisation Burung Indonesia and the global conservation network BirdLife International to protect endangered rainforest in Sumatra, Indonesia. It is helping to store carbon in the rainforest (preventing it from being released into the atmosphere) and preserve the habitat of more than 300 species of birds, mammals, reptiles and amphibians. It is also supporting local people, who rely on the forest for their livelihood.

Ethical partner offer:
Once you make a purchase using your think credit card for the first time, we’ll help to protect a third of an acre of Indonesia rainforest on your behalf for the next 100 years.

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The materials used for all of IKEA's furniture and furnishings is sustainable and soundly sourced. They're an ethical leader in this sector and appear in the Ethical Consumer Research Association's 'best buy' tables.

Ethical partner offer:
7% pa* on any purchase from any UK IKEA store or from www.ikea.co.uk.

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Lush provide toiletries that are animal cruelty free. They're a leader in their sector and appear in the Ethical Consumer Research Association's 'best buy' tables.

Ethical partner offer:
7% pa* on any purchase from any UK or Ireland store, or from www.lush.co.uk.

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You can consider using public transport as an alternative to cars. thetrainline is a fully impartial online retailer of train tickets, providing an easy way to plan journeys and book train tickets for travel on any operator.

Ethical partner offer:
7% pa* on any purchase from www.thetrainline.com.

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Raleigh bicycles provide a great alternative to using your car. Whatever aspirations you have for riding a bicycle – fitness, commuting, racing or just cruising with family and friends, Raleigh could have a bicycle that's right for you.

Ethical partner offer:
7% pa* on purchases from www.raleigh.co.uk.

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Ascension has searched the world for the very best of ethical fashion, beauty and lifestyle and bought it together in one easy-to-use place online. They sell over 70 ethical brands and over 900 of the finest organic, fair trade, natural or recycled products on the market today. As a company Ascension believes that it is possible for fashion to be both stylish and made in an ethical and just way; in a way that gives rather than takes from people and the planet; in a way that upholds the dignity of those along the supply chain.

Some brands trade fairly and directly with producers while others have a focus on the environmental cost of growing and producing fibre and fabric. Some brands achieve both these objectives and many aspire to. Ascension showcases these pioneering brands which are tackling head on one or more of the ethical issues involved in fashion production.

Ethical partner offer:
7% pa* on purchases from www.ascensiononline.com.

Additional discount:
Get 15% off your first order when you shop at ascension.com. To redeem, visit the website and enter The Co-operative Bank promotional code at point of sale - the promotional code will be provided to you upon opening your new credit card account. Offer valid until 01/11/09.

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Nigel's Eco Store provides an array of energy saving devices, gifts and gadgets, including energy saving light bulbs. This helps to support you in reducing your energy consumption and carbon footprint.

Ethical partner offer:
7% pa* on any purchase from www.nigelsecostore.com.

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The Ethical Superstore offers a broad range of every-day groceries, unique fair trade gifts and energy saving devices which helps you to buy what you believe.

Ethical partner offer:
7% pa* on any purchase from www.ethicalsuperstore.com. You'll also get free delivery on your orders, usually £3.95.

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Energy Saving World provides an array of energy-saving devices, such as energy-saving lightbulbs, helping you to reduce your energy consumption and carbon footprint.

Ethical partner offer:
7% pa* on any purchase from www.energysavingworld.co.uk.

Additional discount:
Four free energy saving lightbulbs (value £12 + £40 energy savings) when you spend £25 on energy saving products.
Eight free energy saving lightbulbs (value £24 + £80 energy savings) when you spend £50 on energy saving products.
To redeem, visit www.energysavingworld.co.uk and enter The Co-operative Bank promotional code at the point of sale - this code will be provided to you upon opening your new credit card account. Offer valid until 30/11/09 & is subject to availability.

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Traidcraft provides fairtrade products and supports development in the Third World.

Ethical partner offer:
7% pa* on any purchase from www.traidcraftshop.co.uk.

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Ecofirst provides supply and installation services for a wide range of renewable micro-power, water conservation and sustainable insulation products and systems.

Ethical partner offer:
7% pa* on purchases made with Ecofirst.

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Ecotricity are dedicated to cutting the environmental cost of producing electricity by investing more per customer in new sources of renewable energy than any other UK supplier. Switch in just five minutes and you’ll also get £35 off your first year’s bill.

Ethical partner offer:
7% pa* on payments made to Ecotricity via www.ecotricity.co.uk or by telephoning 01453 756 111.

Additional discount:
Receive £35 off your first year’s bill when you switch to Ecotricity. To redeem, call 08000 302 302 with the Co-operative Bank promotional offer code - the promotional code will be provided to you upon opening your new credit card account. The offer is open to UK residents, aged 18 and over, who apply for electricity under the Ecotricity / Co-operative Bank offer before 30/11/ 2009. Only one offer per household. Terms and conditions apply.

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The Ecologist is a publication that promotes environmental and ethical issues in today's society.

Ethical partner offer:
7% pa* on Ecologist subscriptions by calling 01582 520 037 and stating The Co-operative Bank promotional code – this code will be provided to you upon opening your new credit card account.

Additional discount:
1 year's subscription to the Ecologist magazine for 28% off the subscription rate of £28 (£19.99) for the first year when you sign up by direct debit. Offer valid until 30/11/09. Subject to availability. No cash alternative is available.

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You can consider using public transport as an alternative to cars. Arriva are one of the largest providers of passenger transport in Europe. Their buses and trains provide more than a billion passenger journeys a year.

Ethical partner offer:
7% pa* on purchases of bus tickets through www.arrivabus.co.uk.

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The Ethical Consumer Research Association (ECRA) is a not-for-profit organisation owned and managed by its staff as a worker co-operative. They exist to promote universal human rights, environmental sustainability and animal welfare.

Ethical partner offer:
7% pa* on Ethical Consumer magazine subscriptions from www.ethicalconsumer.co.uk.

Additional discount:
ECRA offer a 28% discount to think credit card users for magazine subscriptions (£15 instead of £21) made over the phone on 0161 226 2929.

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Co-op Electrical Shop provide you with access to A-rated goods, such as washing machines and fridge freezers. A-rated white goods use less electricity and water to operate, thus preventing a negative impact upon the environment whilst helping you to reduce your energy bills. Co-op Electrical Shop also offers excellent value for money and highly rated customer service.

Ethical partner offer:
7% pa* on A-rated purchases from www.co-opelectricalshop.co.uk.

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The co-operative food is the only major retailer to be awarded the Queen's Award for Sustainable Development. They provide various energy saving light bulbs, a large range of fairtrade produce, and cruelty-free own brand household products.

Ethical partner offer:
7% pa* on any purchase from a Co-operative Group store (Excluding former United Co-operative stores) www.co-operative.co.uk/food.

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Co-operative Insurance's car insurance includes access to its responsible claims process.

Co-operative Insurance appear in the Ethical Consumer Research Association's 'Best Buy' tables and as a customer you can also have your say on its customer-led Ethical Engagement Policy.

Ethical partner offer:
7% pa* when taking out Co-operative motor or home insurance using your think credit card from www.co-operativeinsurance.co.uk. You'll also benefit from a discount of up to 10% when you buy online.

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The Co-operative Bank's think credit card ethical partners have been identified as organisations that:

• Provide ethical or sustainable products or services

or

• Are considered to have a leadership position** in their sector with regard to material ethical impacts.

All ethical partners are compliant with The Co-operative Bank's Ethical Policy and have been agreed by the Ethics and Sustainability Team within The Co-operative Group.

We want our list of ethical partners to continue to grow, so if you know of any suppliers you'd like adding to the list please let us know.

*for six months from the date of each purchase. Terms of use (PDF - 0.1MB) with each partner applies.

**Leadership positions are identified via independent third parties such as ECRA (Ethical Consumer Research Association) 'best buys.'

The Royal Society for the Protection of Birds (RSPB) is a registered charity: England and Wales no 207076 Scotland no SC037654

Thinking ethically

As the only UK high street bank with a customer-led Ethical Policy, The Co-operative Bank has been thinking about the bigger picture for the last 15 years. We know that one of the major concerns facing everyone today is climate change – more and more people are looking for ways to do their bit to combat this global issue.

This is why we introduced our think credit card. Not only does it reward you for making ethical choices on your purchases, but we’ll also make a contribution of 25p for every £100 you spend on your card to RSPB to help protect the Indonesian rainforest. You'll also get a special rate of 7% pa on products bought from our ethical partners, for 6 months after each purchase - 12.9% APR typical/variable.

But thinking ethically doesn't stop with thinking green, which is why we have identified ethical partners that consider other important issues, such as fairtrade, sound sourcing or animal welfare - it's all important in making a difference to our world.

To find out more about RSPB's Indonesian rainforest project visit: www.rspb.org.uk/thinksumatra

The Royal Society for the Protection of Birds (RSPB) is a registered charity: England and Wales no 207076 Scotland no SC037654.