smile LAUNCHES FOUR IN ONE "BEST BUY" CREDIT CARD

smile LAUNCHES FOUR IN ONE "BEST BUY" CREDIT CARD smile, the Internet bank, intensified competition in the credit card market today (12 November 2003) when it introduced a four in one "best buy" credit card. The smile Visa card offers 0 per cent interest until May 2004 on transferred balances, 0.5 per cent cash back on all card purchases and an interest rate of just 11.8 per cent p.a. - one of the lowest standard credit card rates available. This is then reduced to just 9.9 per cent p.a. for smile current account holders The card, which is available in both standard and gold versions, offers up to 46 days' free credit and can be used at more than 20 million Visa outlets worldwide. Phil Garlick, Director of Operations said: "Since we launched smile in 1999 we have consistently offered a very competitive credit card package and we believe that this is one of the best currently available. "Of course, there is far more to smile than just competitively priced products. We are attracting customers at a consistent rate and proving that Internet banking is a real alternative for people who want great deals and award winning service." In addition to this latest credit card deal, smile offers 3.04 per cent gross AER on all current account credit balances. Ends For further information contact: 12 November 2003 Dave Smith smile Press Office Tel: 0161 829 5397 Fax: 0161 829 4590 Email: dave.smith@co-operativebank.co.uk ------------------------------------------------------------ This information was brought to you by Waymaker http://www.waymaker.net The following files are available for download: http://www.waymaker.net/bitonline/2003/11/12/20031112BIT00450/wkr0001.doc http://www.waymaker.net/bitonline/2003/11/12/20031112BIT00450/wkr0002.pdf