THE MORE TH>N CREDIT CARD IS BROUGHT TO YOU IN ASSOCIATION WITH ACCUCARD.

MORE TH>N CREDIT CARDS ARE ISSUED BY LLOYDS TSB BANK PLC. CREDIT IS SUBJECT TO STATUS AND AVAILABLE ONLY TO INDIVIDUALS RESIDENT IN THE UK AGED 18 OR OVER. WRITTEN QUOTATIONS AVAILABLE ON REQUEST FROM ACCUCARD, 199 PICCADILLY, LONDON W1J 9HA.

WITH THE MORE TH>N CREDIT CARD, THE INTEREST RATE, ANY ANNUAL FEE, ANY CASHBACK REWARDS AND THE APRS THAT WILL APPLY WILL DEPEND ON THE CHOICE YOU MAKE. WE WILL CHARGE A HANDLING FEE ON CASH ADVANCES OF 1.5% OF THE ADVANCE OR £1.50 WHICHEVER IS GREATER. TYPICAL EXAMPLE: BALANCE TRANSFERS MADE IN THE FIRST SIX WEEKS AFTER YOU OPEN AN ACCOUNT WILL BE CHARGED AT A FIXED INTRODUCTORY RATE OF 0% PER ANNUM FOR FIVE MONTHS, AFTER THE TRANSFER HAS BEEN MADE (8.8% TYPICAL COMPOSITE APR). AFTER THAT, BALANCE TRANSFERS WILL BE CHARGED AT THE SAME VARIABLE RATE AS FOR PURCHASES. APR 15.6% ON CASH ADVANCES AND APR 15.0% ON PURCHASES AND OTHER AMOUNTS CHARGED TO THE ACCOUNT. NO ANNUAL FEE. UNLESS OTHERWISE INDICATED, ALL RATES ARE VARIABLE. MONTHLY PAYMENTS REQUIRED. PAYMENTS TO THE ACCOUNT WILL PAY OFF TRANSFERRED BALANCES BEFORE PURCHASES. MINIMUM MONTHLY PAYMENT WILL BE £5 OR 2% OF THE TOTAL AMOUNT YOU OWE WHICHEVER IS THE GREATER, UNLESS YOU OWE LESS THAN £5 WHEN THE WHOLE AMOUNT IS PAYABLE. MINIMUM BALANCE TRANSFER £100. REWARDS ARE SUBJECT TO TERMS.

MORE TH>N IS A TRADING STYLE OF R&SA MARKETING SERVICES PLC (NO. 02145778), REGISTERED IN ENGLAND & WALES AT ST MARK'S COURT, CHART WAY, HORSHAM, WEST SUSSEX RH12 1XL, A MEMBER OF THE ROYAL & SUN ALLIANCE INSURANCE GROUP OF COMPANIES.

ACCUCARD IS A BUSINESS NAME OF CREATE SERVICES LIMITED (NO. 4502461) REGISTERED IN ENGLAND AT 71 LOMBARD ST, LONDON EC3P 3BS.

ISSUING BANK: LLOYDS TSB BANK PLC (NO. 2065) REGISTERED IN ENGLAND AT 71 LOMBARD STREET, LONDON EC3P 3BS.

FOR YOUR PROTECTION TELEPHONE CALLS WILL BE RECORDED AND MAY BE MONITORED.