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Welcome to ufirst

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					Welcome to ufirst
– User Guide
– Initial Disclosure Document
– Additional Information Document
– Mobile Phone Insurance Policy
  Summary
– Mobile Phone Insurance Policy
  Document




ufirst
Current Account
Welcome to ufirst,
the Current Account
that’s all about you
Whatever your lifestyle, whatever you’re looking
for, you’ll find ufirst will help you to get the most
out of your time and money and also allow you
to do more.
Inside this user guide you’ll find all the information
you need about your ufirst Current Account
as well as details on how to access each of its
benefits. Remember you can take advantage of
these benefits as often as you like.




  Also, please visit
  www.ufirstaccount.co.uk to see
  the full range of benefits available.




                        2
User Guide
Contents
Introduction                                Page 4



Financial                                  Page 6



Travel                                     Page 12



Lifestyle                                  Page 15



Terms and conditions                       Page 18



Initial Disclosure Document                Page 25



ufirst – Additional Information Document   Page 27



Mobile Phone Insurance Policy Summary      Page 28



Mobile Phone Insurance Policy Document     Page 31




                         3
Benefits divide into three
categories:financial, travel
and lifestyle

Take a few moments now to look through each of the sections
and see how you can make the most of your ufirst Current Account.
In most cases, simply opening your ufirst Current Account is
all you need to do to reap the rewards of your membership.
For others, you may need to contact your branch or call
ufirst membership services on 0870 600 0427. You’ll find our
membership services team more than happy to help you.
What’s more, when you call our membership services, you get
to speak to a person who’s committed to helping you in every
way possible.
As with most clubs there is a monthly membership fee. You can
find details of the current monthly membership fee in our
brochure A guide to personal accounts fees and interest from any
branch of Ulster Bank or from www.ulsterbank.co.uk.
The terms and conditions for the ufirst leisure and lifestyle
benefits are at the back of this user guide. To make sure you
receive any items you order through ufirst membership services,
remember to let your branch know if you change your address.
You should also read our brochure Personal banking – terms and
conditions on the operation of your account.




                             4
                                                                       Introduction
The most important information we’ll need when
you call us is your ufirst membership number. This
is made up of your branch sort code and your ufirst
Account number.
Write them down in the space below so you will
always have them to hand.




Sort Code




Account number




 ufirst membership services
 0870 600 0427
 (The National call rate applies)
 Open Monday to Friday, 8am to 8pm (but not including bank holidays)
 and Saturday 9am to 5pm.

 Also, please visit
 www.ufirstaccount.co.uk
 to see the full range of benefits available.




                                      5
Financial
• Up to £500 Buffer Limit
• Preferential overdraft rates
• Interest when your account is in credit
• Exclusive savings account
• Discounts on personal loans
• Mortgage discount benefit
• A customer service review each year
• Internet and telephone banking




Up to £500 Buffer Limit

We have designed the Buffer Limit for those times of the month,
like just before pay day, when you realise you haven’t budgeted
as well as you thought, or for those times when an emergency
crops up and you need that little bit of extra cash.
As a ufirst member you can apply for a Buffer Limit of up to £500
and relax knowing you have it in place to cover those unexpected
extra expenses. And as long as your account is in credit or within
the Buffer Limit, we will not charge debit interest.

How it works
Basically the Buffer Limit is an authorised overdraft which every
ufirst member can apply for. You must not go over the limit
without our agreement. If you go over your limit without letting
us know, we will charge you interest at the arranged overdraft rate
up to your limit and interest at the unarranged interest rate for
any balance over your limit. (You will pay a monthly membership
fee of £9.)
Arranged and unarranged overdraft rates are shown in our
brochure A guide to personal current accounts fees and interest.

How to apply
When opening your ufirst Current Account you can apply for a
Buffer Limit of up to £500 (depending on your circumstances).

                                 6
Preferential overdraft rates

Sometimes we all need a little extra money, so why not take
advantage of our preferential overdraft rates?




                                                                       Financial
How it works
You can apply for a higher overdraft limit above your agreed
Buffer Limit at a preferential overdraft rate. However, if you
do, every time your balance goes over the Buffer Limit, we will
charge debit interest on the full amount of the overdrawn
balance including your Buffer Limit.

How to apply
If you would like to ask for a higher overdraft limit, please
contact your local branch.
If you go over your overdraft limit, we will charge you debit
interest at our arranged interest rate up to the total limit and we
will charge you interest at our unarranged overdraft rate on the
balance above the total limit.
The rates are preferential compared to our standard Current
Account and Current Plus Account.




Credit interest

We can pay credit Interest at a preferential rate on all credit
balances in your ufirst Current Account. The interest rates are
different depending on how much money you have in your account.
The rates are preferential compared to our standard Current
Account and Current Plus Account.

How it works
It doesn’t matter if you have £1 or £10,000 in your ufirst Current
Account, every £1 will earn interest. We will pay this interest into
your account every month.




                                  7
How to apply
This benefit is automatic for every ufirst member, so there is no
need to apply. You can get current interest rates from any branch
of Ulster Bank or from our website at www.ulsterbank.co.uk.



Exclusive Savings Account

As a ufirst member, you can open a ufirst Savings Account which
pays preferential rates of interest compared to our Easy Access
Savings Account. It comes with a Cashcard giving you instant
access to your savings 24 hours a day.

How it works
This account is only for ufirst members and designed to pay
preferential interest rates and you don’t have to give notice for
withdrawals. We will give you a Cashcard which means you’ll
also have easy access to your savings 24 hours a day.
(If for any reason your ufirst Current Account is closed, we will
change your ufirst Savings Account to an Easy Access Savings
Account with interest at our current rate.)

How to apply
You can open a ufirst Savings Account at the same time you
open your ufirst Current Account or any time afterwards. Simply
call into the branch where you hold your ufirst Current Account
and we will open the account for you. You can get details of
current interest rates from any Ulster Bank branch or from
www.ulsterbank.co.uk.




Discounts on personal loans

As a ufirst member, you are entitled to a special discount off our
standard interest rate for personal, car and home-improvement
loans. Whatever loan we provide will depend on the result of
your credit scoring.
You must be 18 or over. We may need security using a personal
guarantee. Terms and conditions apply.

                              8
How it works
We will take the discount off your personal loan interest rate
when we provide a quotation for you. Once you have agreed how
much you want to borrow, and for how long, your branch will pay
the borrowed amount into your account and you’ll benefit from
the reduced rate for the life of the loan.




                                                                    Financial
How to apply
If you are looking for a personal, car or home-improvement
loan, simply call into your local branch or phone 0800 857 837,
between 8am and 8pm Monday to Friday (bank holidays between
9am and 2pm) and 9am to 2pm Saturday, for a quotation. Let
them know you are a ufirst member. When we provide the
quotation, we’ll automatically apply the discounted interest rate
so you will be able to benefit from lower repayments.



Mortgage benefit discount

All ufirst members are entitled to apply for a ufirst Flexible
Tracker Mortgage.
This offers all the features and benefits of our Flexible Tracker
Mortgage, with the added benefit of a special discount off our
Flexible Tracker Mortgage rate. The details of this offer will
constantly change to reflect the conditions in the mortgage
market and changes in lending rates. You can get up-to-date
details from any Ulster Bank branch or from our website at
www.ulsterbank.co.uk/mortgages.

How it works
When you apply for a ufirst Flexible Tracker Mortgage we’ll
discuss all your options with you. While your application is
being processed, if you want to take the ufirst Flexible Tracker
Mortgage, we will give you full details of this to you before and
when you apply.
Once we have agreed your application, we will send you an
offer of advance. From the moment you drawdown mortgage
funds, you’ll start receiving the benefit of your ufirst Flexible
Tracker Mortgage.




                                 9
How to apply
Simply contact your branch and say you are a ufirst member.

       Your home may be repossessed if you do not
         keep up repayments on your mortgage.

You can use the ufirst Flexible Tracker Mortgage for buying
residential properties only. You must have a ufirst Current
Account to be eligible for a ufirst Flexible Tracker Mortgage.
If your ufirst Current Account is closed and you have a ufirst
Flexible Tracker Mortgage, the interest rate will go back to our
current Flexible Tracker rate mortgage (unless you are switching
to a ufirstgold Current Account in which case the ufirstgold
Flexible Tracker Mortgage rate will apply). Mortgage loans
are provided by Ulster Bank Limited under certain terms and
conditions. You must be 18 or over.
To take advantage of these preferential benefits, please visit your
branch with your ID and confirmation of your address. You can
find details of these in our Current Accounts brochure.




As our customer you can also benefit from
a range of other services designed to make
managing your money as easy as possible.




                              10
A customer service review each year

All our customers are entitled to a financial consultation every
year with a customer adviser.




                                                                      Financial
How it works
A consultation with our customer advisers could help you make
sure your money is working as hard as you do. We have designed
this service to provide real peace of mind.

How to apply
Simply phone or call into your local branch and make an appointment
with either the customer adviser or branch manager.



Internet and telephone banking

You can apply to register your ufirst Current Account for Internet
or Telephone Banking (or both). These services give you access to
your accounts 24 hours a day, seven days a week, 365 days a year.

How it works
Once registered, you can access your accounts and the
following services:
• check your balance;
• check recent transactions;
• pay bills;
• transfer funds from one account to another;
• order a statement, credit or cheque book; and
• search to see if a cheque has been paid.
These and many other services will help you to do your banking
when it suits you.

How to apply
Simply call into your local branch or phone us any time on
08457 4 24 365 and fill in an application form. We will ask you
for security details which we will use so that no one else can see
your accounts.



                                 11
Travel
• Discounted travel booking service
• Hotel accommodation discounts




Discounted travel booking service

If you’re planning an exotic tour, a weekend getaway, a family
holiday or a romantic trip away, your money goes further when
you’re a ufirst member. With a guaranteed 10% discount off
weekend breaks, holidays, car hire and overseas travel, you can
travel further, more often.

Our travel booking service offers you:
• a wide selection of holiday packages, tours and cruises;
• tickets for scheduled airline flights;
• tickets for any chartered airline flights offered to the public;
• holiday cottages and villas;
• ferry tickets;
• hotel accommodation; and
• car hire.
And as a ufirst member you will be offered the lowest official
published or consolidator-rate IATA scheduled airfares available
at the time of booking, as well as a guaranteed 10% discount.
(A consolidator buys airline seats in bulk and then offers to sell
them to other travel operators.)

How to book
Just call ufirst membership services on 0870 600 0427 between
8am and 8pm, Monday to Friday (but not including bank
holidays) and 9am to 5pm Saturday, and quote your membership
number. We’ll put you through to one of our expert travel agents
right away.
You can discuss your travel choices with our travel agents. We’ll
also give you lots of important information about visas and
health precautions. Once you’ve agreed the arrangements, we
will ask you for a deposit to secure the arrangements.


                               12
You can pay by debit and credit card to secure the arrangements
immediately or pay with a cheque. If you use a cheque, we
will confirm your arrangements as soon as your payment has
cleared. If you’re making a booking within 10 weeks of the
departure, we will ask you for full payment at the time of
booking. We may need you to pay in full on certain restricted
scheduled flight deals if cancellation charges apply.

Tickets or travel plans
Once you’ve booked, you’ll receive official confirmation and a bill
for any remaining balance.
You’ll receive all your travel documents about two weeks before
you go. For last-minute holidays and flights, we can arrange for




                                                                       Travel
you to collect your tickets at the airport.



Hotel accommodation discounts

The ufirst hotel booking service allows you to enjoy discounts
of up to 60% off standard room rates in over 21,000 hotels
worldwide ranging from budget to five-star hotels. Most rates
include breakfast, and with the ‘Price Promise’, you can be sure
you’re getting the best price available at the time of booking.
See point 3.4 in the terms and conditions at the back of this
leaflet for more details of the ‘Price Promise’.

How to book
To make a reservation, simply phone ufirst membership services
on 0870 600 0427 from 8am to 8pm, Monday to Friday (but not
including bank holidays) and 9am to 5pm, Saturday.
When we receive your request, our agents will try to book the
hotel that best fits your needs. The ufirst hotel booking service
will offer the lowest price available at the time of booking for the
room, dates and length of stay you need.
Our agents have access to all the hotels available through
the service and will be able to offer you the lowest available
price when you call. Our agents will guide you through the
accommodation options available at your chosen destination
and they will aim to book the hotel that best fits your needs.




                                 13
You can log onto www.ufirstaccount.co.uk and search for a hotel.
You will need to enter the following details:
Login:         ufirst
Password: hotels
As hotel discounts can rise and fall according to demand, the
discounts can change each day. If you are booking online, the
prices quoted are the best rates. To guarantee your room and
to make sure you get the best rates, you will need to pay in full
when you book. There is no charge for cancellation if you give
more than 72 hours’ notice. ufirst membership services will
then give you a booking reference number and a confirmation
voucher for the accommodation. Keep it safe as you’ll need
it when you check in. Whether you book through ufirst
membership services or online the discount you receive will be
at least 10% less than the hotel’s standard rate, and in most
cases, will be higher (up to 60%).

What happens if I have a question or a problem
with the bill from the hotel?
Please contact ufirst membership services, Sentinel House,
Airspeed Road, Portsmouth PO3 5RF within 21 days of your stay
and we will investigate the matter for you. Please enclose a copy
of your bill.
Call ufirst membership services after you have made a booking
and quote your booking reference number.



ufirst membership services
0870 600 0427
(National call rate applies)
Monday to Friday 8am-8pm (but not including bank holidays)
Saturday 9am-5pm.
Also, please visit
www.ufirstaccount.co.uk
to see the full range of benefits available.




                                  14
Lifestyle
You can have more fun more often with our lifestyle benefits.
You can get 25% off your dining bills, as well as 25% off the price
of theatre productions, concerts and many international sporting
events. All in all it means you’ll save a packet.

• Service for booking events
• Mobile phone insurance
• Discounts on eating out



Service for booking events




                                                                         Lifestyle
The ufirst event booking service provides a convenient and
money saving facility for booking tickets for a wide range of
performances at major venues in Northern Ireland, the Republic
of Ireland and the UK. When you book your tickets through
ufirst, you’ll enjoy a 25% discount on the cost of your tickets (up
to six tickets for each event, if they are available). This includes
the booking fee and other fees, but not postage. Bookings need
to be made at least 10 working days before an event.

How it works
To use this service, call ufirst membership services on
0870 600 0427 between 8am and 8pm, Monday to Friday (but
not including bank holidays) and 9am to 5pm, Saturday. Quote
your membership number, and one of our ufirst membership
services agents will take your booking.

What happens then?
We’ll ring you back to confirm availability and take your payment
details. We will send you your tickets directly. In some cases, if you
book events several months beforehand, we may not send tickets
until nearer the date of the event.

How many tickets can you order?
You can order as many as six tickets for each event, and there
is no limit to the number of times each year you can use the
service. However, to benefit from the discount, you must always
be one of the people going to the performance.
                                  15
Mobile phone insurance

The mobile phone has become a constant companion for most
of us – that’s why insurance is vital. The great news is you can
enjoy a great insurance package as part of your ufirst Account.
It covers you against loss, theft, accidental damage and electrical
and mechanical breakdown. The cover is worldwide and covers
unauthorised calls if your phone is lost or stolen (up to £1,500 for
contract phones and £100 for pay-as-you-go phones). It covers
you for repairing, or replacing your handset and new sim card up
to £300 in value. Plus if you have a joint account, you can cover
both your handsets! All you have to do is register – just call ufirst
membership services on 0870 600 0427 or log onto
www.ufirstaccount.co.uk.

How to register
To register your phone, simply phone ufirst membership services
on 0870 600 0427 from 8am to 8pm, Monday to Friday (but not
including bank holidays) and 9am to 5pm, Saturday or
visit www.ufirstaccount.co.uk.



Discounts on eating out


The ufirst dining service allows you and three others to enjoy a 25%
discount off your total bill (including drinks) in any one of over 200
restaurants taking part throughout Northern Ireland, the Republic
of Ireland and the rest of the UK.

How to get your 25% discount
To make a booking, simply phone ufirst membership services
on 0870 600 0427 from 8am to 8pm, Monday to Friday
(but not including bank holidays) and 9am to 5pm, Saturday.
Our agents will try to make a booking for you at a restaurant
of your choice, if space is available. Or, you can log on to
www.ufirstaccount.co.uk and search for a restaurant.
You will need to enter the following details:
Login:      ufirst
Password: dining
                               16
You will find full details of all the restaurants and once you’ve
made your choice, you can book online there and then.
If for some reason the restaurant refuses to give you a discount,
please keep your receipt and contact membership services within
21 days. We will then investigate the matter for you.



Plain English Campaign’s Crystal Mark does not
apply to the terms and conditions on the
following pages.




                                                                    Lifestyle




                                       17
Terms and conditions
Please read the terms and conditions on the following pages. They tell you
important information about your Ulster Bank ufirst Current Account.

Definitions
“ufirst Membership Services” means services provided by Affinion International
Limited acting as agents for Ulster Bank.
ufirst Benefits
You are entitled to apply for any additional benefits specified in this User Guide
for so long as your ufirst Current Account remains open. We may alter any of these
benefits and will usually give you at least one month’s prior written notice except
in exceptional circumstances (for example where a benefit provider goes into
liquidation) when we may remove a benefit without prior notice.

We reserve the right to reclaim all or part of the value given on any benefits so
highlighted in this User Guide, should the ufirst Current Account be closed or
downgraded within 6 months of the Account being opened.

Please note that if you cancel your agreement for the ufirst Current Account during
the 14 day period, your ufirst Membership will also be cancelled automatically and
you will not be able to use any ufirst benefits in this Guide.
Financial Benefits
Credit Facilities: Over 18s only. Security (by way of guarantee) may be required for
personal loans. The ufirst Account is only available to over 18s.

Leisure and Lifestyle Benefits
1 Travel Booking Service
1.1 ELIGIBILITY
a) You may book package holidays, tours, cruises, tickets for scheduled airline
     flights, tickets for charter airline flights, city breaks, selected ferry tickets, hotel
     accommodation, holiday cottages and villas, holiday apartments and car hire
     through the service.
b) There is no limit to the number of times you may use the service, provided you
     are an active ufirst Current Account member.
1.2 TRAVEL RESERVATIONS
a) Reservations can only be made via telephone through the ufirst Travel Service.
b) To make a reservation, you must phone ufirst Membership Services, who will verify
     your Membership details and put you through to a ufirst Travel Service Agent.
c) Your details will not be used for any purpose other than to fulfil the obligations
     under the ufirst Travel Service.
d) The availability of scheduled airline tickets and international ferry tickets can
     usually be confirmed during your call to the ufirst Travel Service.
e) For holiday packages, tours, cruises, city breaks and charter airline tickets,
     availability can usually be confirmed during your call and always on the same day.
f) You may request specific excerpts from brochures, where available, to be posted
     to you. The ufirst Travel Service can also provide information on short-notice
     bargain holidays and forward tickets for such travel to your point of departure
     for collection, if necessary.
g) For Scheduled Airline Tickets the Travel Service’s computerised reservation system
     will conduct a ‘best fare search’ automatically, to ensure that you are offered at
     least 10% off the lowest published airfare available at the time of booking.
h) Car-hire and hotel accommodation-only reservations can be arranged through

                                         18
     the service, for your convenience. For car hire bookings, you should provide
     your preference of car size, model etc to the ufirst Travel Service agent. When
     requesting car or room availability, the agent will advise the lowest rate
     available at the time of booking.
i) All travel services are provided by RCI Europe, a fully licensed and bonded Travel
     Agency. RCI Europe is a retail member of ABTA (A2793), holds an ATOL (2409) and
     is accredited by IATA.
j) RCI is owned by Wyndham Worldwide, an American company, with American
     shareholders and is therefore subject to US regulations. Currently, the US
     Regulations prevent RCI from arranging travel into Cuba and this will continue
     to apply unless the regulations are lifted.
k) All bookings made via the Travel Service are subject to the cancellation and
     amendments terms applicable at the time of booking. Such terms vary according to
     the tour operator, airline or other supplier used and will be advised at the time
     of booking.
1.3 PAYMENT
a) The Travel Service agent will advise you at the time of booking if a deposit or
     the full balance is required. Reservations cannot be confirmed until payment is
     received by the ufirst Travel Service.
b) Payments may be made by debit or credit card or cheque.
c) Best results are achieved if you elect to pay the ufirst Travel Service by credit




                                                                                              Terms and conditions
     or debit card at the time of booking, otherwise the rates quoted cannot be
     guaranteed. If there are any special conditions attached to the booking you will
     be advised of this at the time of payment.

1.4 TRAVEL BOOKING EXCLUSIONS
a) Any reservations which must be booked privately, i.e. which cannot be booked
      through a Travel Agency (and therefore not through the Travel Service).
 This includes :
(i) ‘Direct Sell’ Tour Operators (e.g. Trailfinders, E-Bookers etc – holidays which
      cannot be booked through a travel agency)
(ii) Low cost airlines or airlines that do not sell through travel agents such as
      Ryanair and Easyjet
(iii) Hotel stays and car-hire bookings of 31 days or longer
(iv) Tickets for domestic ferry journeys or journeys not originating in Northern Ireland
(v) Such accommodation as:
      • Bed and breakfasts
      • Caravans or camp-sites
      • Chalets
      • Rental properties (such as privately owned apartments, flats, etc)
      • Time-shares
      • Non-sleeping rooms (such as conference or meeting rooms)
      • Health spas and health farms which do not accept bookings through Travel Agencies
      • Hotels which do not accept bookings through Travel Agencies
      • Rooms which are part of a block held by another company for conventions,
        special groups and/or incentive programmes
      • Rooms held by companies on a semi-permanent basis for use by their employees
1.5 TRAVEL DISCOUNT EXCLUSIONS
a) Bookings for ufirst Members’ relatives, friends, associates or others, unless the
      ufirst Member is one of the travelling party.
b) Car hire-only bookings do not gain the additional ufirst Travel Service discount
      as the ufirst Travel Service rates are typically already at least 10% lower than Avis
      published rates.
 c) ‘Accommodation-only’ bookings (i.e. bookings which are not made in
      combination with a holiday package, or airline/ferry ticket) unless paid for in full
      at the time of booking.

                                            19
d) Any amount in excess of the published base price of the eligible travel, including:
(i) SURCHARGES – e.g. penalty payments/fares, taxes, supplements, excess baggage
     charges, prepaid ticket charges, mileage charges, insurance.
(ii) OPTIONAL PRODUCTS OR SERVICES – e.g. upgrades, food or beverage services,
     services charged to a hotel-room, petrol for hire-cars, optional tours or excursions,
     baby equipment and facilities, ‘optional extras’ for hire-cars such as mobile phones.
2 ufirst Dining Service
2.1 BOOKINGS
a) The ufirst Dining Service is operated and managed by Last Minute Network Ltd
    trading as lastminute.co.uk (registered office: 39 Victoria Street, London
    SW1H 0EE, No.3538456) on behalf of Affinion International Limited, Charter
    Court, 50 Windsor Road, Slough, Berkshire SL1 2EJ.
b) The ufirst Dining Service offers to its members an exclusive range of discounted
    dining offers under the name of ‘Jade Dining.’ Jade is a trademark of Affinion
    International Limited.
c) You must be a ufirst Account Holder to book a restaurant through the ufirst
    Dining Service.
d) There is no limit to the number of times you may use the service, provided you
    are a registered ufirst Account Holder.
e) The discount is available on bookings for your relatives, friends, associates or
    others, providing you are one of the dining party.
f) All bookings must be made online via the ufirst Dining Service website, or by
    telephone through ufirst Membership Services.
g) Bookings made by telephone through ufirst Membership Services must be
    made between the hours of 8am to 8pm Monday to Friday and 9am to 5pm on
    Saturday (excluding Bank Holidays). Bookings outside of these hours can only
    be made online via the ufirst Dining Service website. Bookings for the same day
    must be made before 5pm, and at least two (2) hours before the dining time.
h) By making a booking with the ufirst Dining Service, you shall be deemed to have
    accepted these terms and conditions on behalf of all the individuals in your
    dining party.
i) At participating restaurants, subject to compliance with these terms and
    conditions, you will receive a twenty-five percent (25%) discount off the
    entire dining bill for a party of one (1) to four (4) persons – known as “Jade
    25% Discount”. Drinks and VAT are included, but gratuities and non-food or
    non-beverage purchases are excluded. Other alternative dining special offers
    may be made available to you which are not part of the Jade 25% Discount
    range. You will be advised at the time of booking whether the restaurant you
    have booked is a Jade 25% Discount offer or an alternative type of offer.
j) The Jade 25% Discount offers are only available through the ufirst Dining Service
    and bookings must be made in advance of your intended visit to the restaurant.
    Bookings must not be made directly with the restaurant.
k) The Jade 25% Discount is not valid in conjunction with any other promotional
    offer or discount such as senior citizen rates, already reduced lunchtime and
    early evening specials or any other such offer, takeaways or drinks only. It
    cannot be guaranteed that the discounts will be available in December when
    restaurants run their Christmas menu, Christmas Eve, Christmas Day, Boxing
    Day, New Year’s Eve, New Year’s Day, other Bank holidays or celebrations such as
    Valentine’s Day or Mother’s Day.
l) All ufirst dining discounts and other special offers are offered subject to their
    availability at the time of booking. Please be prepared to be flexible over your
    dining time to avoid disappointment, especially at weekends.
m) The Jade 25% Discount applies for up to four (4) people per booking.
n) Up to two (2) Account Holders can qualify for the Jade 25% Discount as part of
    one (1) booking, therefore the maximum number of diners in a party benefiting
    from the Jade 25% Discount is eight (8). The ufirst Dining Service may need to

                                       20
    check in advance that smaller restaurants are able to accommodate your party.
o) For bookings where there is more than one (1) ufirst Account Holder in the
    dining party, you need to telephone the ufirst Dining Service. These bookings
    cannot be made online.
p) Subject to availability, the ufirst Dining Service shall accept your booking by
    issuing you with a restaurant booking reference. Please ensure you have your
    restaurant booking reference with you on arrival at the restaurant.
q) The restaurants featured in the ufirst Dining Service are subject to change at
    any time.
2.2 PAYMENT
a) You must provide credit or debit card details to secure your booking when
    making a restaurant reservation.
b) You will only have to pay the relevant restaurant after you have eaten.
c) The relevant discount will be deducted from your bill where appropriate.
d) The ufirst Dining Service will not charge you a booking fee for your
    restaurant booking.
2.3 CANCELLATIONS AND AMENDMENTS
a) All requests for cancellations or amendments should be notified by telephone
    to ufirst Membership Services.
b) A charge of £10 (or euro equivalent) per person may be made for cancellations
    made less than twenty-four (24) hours before the booked dining time at
    the restaurant, or if cancellations are not notified and you fail to attend the
    restaurant (a ‘no show’).
c) The decision whether to debit your card with a cancellation fee or ‘no show’ fee
    shall be entirely at the discretion of the individual restaurant. If the restaurant
    does debit your card, it will do so within five (5) working days from your
    booking time.
d) In extreme circumstances such as flood or fire it may be necessary for the
    restaurant to cancel your booking in which case you will be notified directly by
    the restaurant.
2.4 CUSTOMER SERVICE
a) ufirst Membership Services must be contacted for all booking related queries,
    complaints and claims. If telephoning, your call may be recorded for quality and
    training purposes.
b) Any complaint regarding the restaurant must be brought to the attention
    of the restaurant management at the time of dining, and, if not resolved to
    your satisfaction, should be notified to ufirst Membership Services in writing.
    You must quote your restaurant booking reference and enclose a copy of the
    restaurant bill within twenty-one (21) days of your restaurant visit.
2.5 LIABILITY
a) Restaurants have not been inspected specifically from the point of view of
    Members with special mobility needs. The information given is that supplied
    by the proprietor.
b) All information about restaurants is correct at the time of publication, and
    every effort has been made to ensure the accuracy of the information provided.
    Neither Affinion, Ulster Bank nor lastminute.co.uk accepts responsibility for
    errors or omissions. Participating restaurants may be subject to change without
    notice and published restaurant prices may also be subject to change
    without notice.
c) The ufirst Dining Service accepts no responsibility if a participating
    establishment ceases to trade or undergoes a change of ownership.
d) The ufirst Dining Service shall not be liable for any failure or delay in
    performance of its obligations that results directly or indirectly from any
    cause or circumstance that is beyond its reasonable control. Without limiting
    the generality of the foregoing, the following shall be regarded as such
    circumstances: act of God, outbreak of hostilities, riot, civil disturbance, acts of

                                           21
      terrorism, revolution, the act of any government or authority (including but not
      limited to refusal or revocation of any licence or consent), fire, flood, lightning,
      explosion, fog or bad weather, interruption or failure of a utility service
      (including but not limited to electricity, gas, water or telecommunications),
      renovations undertaken by the restaurant; strikes, lockouts or boycotts,
      embargos, blockades.
2.6   GENERAL
a)    The ufirst Dining Service may alter any of these terms and conditions on giving
      at least 30 days prior written notice. Where changes have been made to your
      advantage, we will make the change immediately and notify you within 30 days
      of the change taking effect.
b)    Except as otherwise provided in these terms and conditions, your statutory
      rights are not affected.
3     Discounted Hotel Accommodation
3.1   BOOKINGS
a)    The ufirst Hotel Booking Service (“the Hotel Booking Service’’) is operated
      by Octopus Travel Limited (registered office Gullivers House, 27 Goswell Road,
      London EC1M 7GT, No. 3963097) on behalf of Affinion International Limited,
      Charter Court, 50 Windsor Road, Slough, Berkshire SL1 2EJ.
b)    By making a booking with the Hotel Booking Service, you shall be deemed to
      have accepted these terms and conditions on behalf of all the members of your
      party. These terms and conditions shall govern the contract between you and
      Octopus Travel Limited (“the Contract”).
c)    Subject to availability and the booking conditions of your chosen hotel, the
      Hotel Booking Service shall accept your booking by issuing you with a booking
      reference number and a booking confirmation voucher.
d)    The special rates are only available through the Hotel Booking Service and
      bookings must be made in advance of your intended stay.
e)    Please ensure that you have your booking confirmation voucher with you upon
      arrival at the hotel/property.
f)    The hotels featured in the Hotel Booking Service are subject to change at any
      time. Most hotels are offered on an ‘immediate’ basis where a confirmation is
      obtained at the time of booking. Where the Hotel Booking Service is unable
      to immediately confirm the initial requested hotel, either the requested or an
      alternative hotel will be offered within 48 hours.
g)    You warrant that you are at least 18 years of age. All bookings are personal to
      you and may not be sold, assigned or otherwise transferred. You must be at
      least 21 years of age to check in to Las Vegas (USA) hotels.
3.2   PAYMENT
a)    Payment in full is required at the time of booking. Payment must be made
      through the Hotel Booking Service by credit or debit card. Prices are quoted in
      the currency requested at the time of booking. In the event that a payment fails
      or is rejected by the card issuer, the Hotel Booking Service reserves the right
      to cancel your booking and will notify you accordingly.
b)    You must make payment for extra incidental charges e.g. meals, meal
      supplements, mini-bar, dry cleaning and laundry prior to your departure from
      the hotel. Hotels in California may levy a daily supplement to be paid prior
      to departure.
3.3   CANCELLATIONS AND AMENDMENTS
a)    All requests for cancellations or amendments should be notified directly to the
      Hotel Booking Service, not to the hotel. Cancellation charges will be applied
      where applicable in relation to the period between notification of cancellation
      and 00.01hrs on the due date of arrival at each hotel, apartment or villa within
      a booking. Charges for amendments apply where either the number of rooms
      or the number of nights decreases.
b)    A charge of the first night’s accommodation will be made for cancellations

                                        22
      made less than 72 hours before the arrival date. The lesser of £20 or a charge for
      the first night’s accommodation will be made for amendments made less than
      72 hours before the arrival date. No charges will be made for cancellations and
      amendments made more than 72 hours before the arrival date.
c)    You will be notified at the time of booking if your travel falls during a Special
      Events/Conference Period where the following terms apply: 100% cancellation
      charges apply to a stay falling within a fair or exhibition period or for any
      changes or modifications to the dates requested.
3.4   HOTEL PRICE PROMISE
a)    Only prices from online travel retailers will be matched and the accommodation
      at the lower price must be offered by a bonded travel agent (ABTA membership
      or equivalent).
b)    In the event that after a booking has been made a lower price is found with
      an alternative provider, a claim for the difference in price can be made. Claims
      must be made directly to the Hotel Booking Service within 48 hours from the
      time of the booking being made and confirmed. For last minute bookings
      claims must be made at least 72 hours prior to the date of arrival. Group
      bookings and bookings made during fair and exhibition periods are excluded.
c)    The Hotel Booking Service must be able to verify the claim to its reasonable
      satisfaction.
d)    The claim must be based on a like for like comparison of the same date, hotel,
      room type, occupancy, rate type and currency.
e)    The lower price with the alternative provider must be available with immediate
      confirmation via an online booking method and must not be subsidised
      through other elements (frequent flyer credits, meal plans or linked to other
      products or packages).
3.5   CUSTOMER SERVICE
a)    The Hotel Booking Service must be contacted for all booking related queries,
      complaints and claims.
b)    For telephone queries after a booking has been made, quote your booking
      reference number. For written queries after a booking has been made quote
      your booking reference number and enclose a copy of the hotel bill within
      21 days of your visit.
c)    Any complaint regarding the hotel must be brought to the attention of the
      local hotel management as early as possible during your stay and, if not
      resolved to your satisfaction, should be notified to the Hotel Booking Service
      in writing.
3.6   LIABILITY
a)    The Hotel Booking Service takes every care to ensure that published
      descriptions are correct and accepts no liability for errors or omissions in the
      description of hotels. The Hotel Booking Service reserves the right to change
      the hotel booking to one of a comparable standard and to notify you of such
      change as soon as possible. No compensation is payable for such changes. In
      extreme circumstances, the Hotel Booking Service may be forced to cancel your
      booking in which case you will be notified of such a change as soon as possible
      and a full refund will be made.
b)    The Hotel Booking Service shall not be liable for any failure or delay in
      performance of its obligations which results directly or indirectly from any
      cause or circumstance which is beyond its reasonable control. Without limiting
      the generality of the foregoing, the following shall be regarded as such
      circumstances: act of God, outbreak of hostilities, riot, civil disturbance, acts of
      terrorism, revolution, the act of any government or authority (including but not
      limited to refusal or revocation of any licence or consent), fire, flood, lightning,
      explosion, fog or bad weather, interruption or failure of a utility service
      (including but not limited to electricity, gas, water or telecommunications),
      renovations undertaken by the hotel, strikes, lockouts or boycotts,
      embargo, blockade.

                                            23
c) The Hotel Booking Service’s liability to you is limited to the higher of:
(i) GBP £1,000 or
(ii) three times the value of the booking. To the extent permitted in law, all
     conditions, warranties or obligations whether express or implied by statute,
     common law or otherwise are excluded and these terms shall apply in their
     place. None of the foregoing shall limit the Hotel Booking Service’s liability for
     death or personal injury caused by the Hotel Booking Service’s negligence or for
     fraud or for fraudulent misrepresentation in respect of which there is
     no limitation.
3.7 GENERAL
a) Octopus Travel Limited will not use your details for any purpose other than to
     fulfil its obligations under the Hotel Booking Service.
b) The Hotel Booking Service reserves the right to change these terms from time
     to time without notice.
c) Travel insurance, passport, visa and health requirements are the responsibility
     of all members of the party.
d) The Travel Contract together with your booking confirmation voucher represent
     the entire agreement between you and Octopus Travel Limited and shall
     be governed and interpreted under English law and shall be subject to the
     exclusive jurisdiction of the English courts.
e) Except as otherwise provided in these booking terms and conditions, your
     statutory rights are not affected.
4 Event Booking
4.1 ACCESSING THE SERVICE
a) The Event Booking Service is a special telephonic service and can only be
     accessed via the ufirst Membership Services telephone number on 0870 600 0427.
b) Normal hours of business during which you can use the Event Booking Service
     are 0800 to 2000 hrs Monday to Friday and 0900 to 1700 hrs Saturday, except
     Public Holidays.
4.2 BOOKINGS
a) Bookings must be made at least 10 business days prior to the performance.
b) Discount is calculated on the combined ticket price, booking fee and any processing
     fee incurred. Postage costs are not included in the discount.
c) The discount is not applicable to any other promotional offer and only applies
     to tickets purchased through the Event Booking Service.
d) You must be included in the party attending the event for the discount to apply.
e) All bookings are subject to availability and the rules and regulations of the
     venue, event organiser and promoter.
f) Affinion International purchases tickets from agents and has no control over
     the events.
g) Reservations – tickets will be reserved for a maximum of 2 days from enquiry.
     All further enquiries outside of the 2 days will be treated as a new enquiry.
h) Tickets cannot be refunded or exchanged.
4.3 TICKETS
a) You will receive the discount on up to 6 tickets for any one production. You may
     purchase as many tickets as is available for the performance or as stipulated by
     the promoter, event organiser or venue.
b) A ufirst Membership Services agent will call you back within 1 business day to
     confirm availability and the cost of your booking.
c) Upon taking your booking a confirmation letter will be dispatched to you
     within 2 business days of placing your order for tickets.
d) Tickets are posted to you within 5 business days of receipt to the Event Booking
     Service. ufirst Membership Services are provided by Affinion International
     Limited acting as agents for Ulster Bank. Affinion International Limited,
     Charter Court, 50 Windsor Road, Slough, Berkshire SL1 2EJ.

                                      24
Initial Disclosure
Document
                                                                     Ulster Bank Ltd
                                                          11-16 Donegall Square East
                                                                              Belfast
                                                                             BT1 5UB


Companies we select from:         From their product range we sell:
UK Insurance Limited (UKI)        Personal Loan Protector Insurance (Life Insurance
                                  element provided by Direct Line Life Insurance
                                  Company Limited)
                                  Mortgage Repayment Protector Insurance
                                  Payment Protection Insurance (Life Insurance
                                  element provided by Direct Line Life Insurance
                                  Company Limited)




                                                                                         Initial Disclosure Document
                                  Travel Insurance (Provided with a ufirstgold Account)


Lifestyle Services Group Limited Mobile Phone Insurance (Provided with ufirst and
                                 ufirstgold Account)


National Westminster Life         Mortgage Term Assurance & Critical Illness
Assurance Limited                 Life Protector


Royal & Sun Alliance              Purchase Protection Insurance (Provided
Insurance PLC                     with Ulster Bank Gold Credit Card)


ACE European Group Limited        Card Protection Plus
                                  Travel Accident Insurance (Provided with Ulster
                                  Bank Standard and Gold Credit Card, NatWest
                                  Business Card and with Ulster Bank OneCard)


Domestic and General              Extended Warranty Insurance (Provided with
Insurance                         Ulster Bank Gold Credit Card)


Royal Scottish Assurance PLC      Over 50s Guaranteed Life Cover Plan

                                                                     ULST830NI (05/08)




      Ulster Bank Limited. Registration Number R733 Northern Ireland.
      Registered Office: 11–16 Donegall Square East, Belfast BT1 5UB.
      Authorised and regulated by the Financial Services Authority.




                                         25
                 about our insurance services

1   The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates financial services. Use this
information to decide if our services are right for you.
2   Whose products do we offer?
       We offer products from a range of insurers.
       We only offer products from a limited number of insurers. Ask us for a list
       of insurers we offer insurance from.
       We only offer products from a single insurer.
3   Which service will we provide you with?
       We will advise and make a recommendation for you after we have
       assessed your needs.
       You will not receive advice or a recommendation from us. We may ask some
       questions to narrow down the selection of products that we will provide
       details on. You will then need to make your own choice about how to proceed.
4   What will you have to pay us for this service?
       A fee.            No fee for arranging non-investment insurance contracts.
You will receive a quotation which will tell you about any other fees relating to any
particular insurance policy
5   Who regulates us?
Ulster Bank Ltd., 11-16 Donegall Square East, Belfast, BT1 5UB is authorised and
regulated by the Financial Services Authority. Our FSA Register number is 122315.
Our permitted business is arranging non-investment insurance. You can check
this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or
by contacting the FSA on 0845 606 1234.
6   Ownership
The Royal Bank of Scotland Group plc, which is a parent undertaking of various
insurance companies in the Royal Bank of Scotland Group (including companies
in the Direct Line Group (such as Direct Line Insurance plc, UK Insurance Limited
and Privilege Insurance Company Limited), Churchill Insurance Company Limited
and also Royal Scottish Assurance plc and National Westminster Life Assurance
Limited), also, indirectly, wholly owns and controls Ulster Bank Limited.
7   What to do if you have a complaint
If you wish to register a complaint, please contact us:
In writing Write to:      Ulster Bank Ltd., Retail Network Support, Customer
                          Relations Unit, 11-16 Donegall Square East, Belfast, BT1
                          5UB.
By phone Telephone: 028 9027 6025.
If you cannot settle your complaint with us, you may be entitled to refer
it to the Financial Ombudsman Service.
8   Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the
scheme if we cannot meet our obligations. This depends on the type of business
and the circumstances of the claim. Insurance advising and arranging is covered
for 100% of the first £2,000 and 90% of the remainder of the claim, without any
upper limit. Further information about compensation scheme arrangements is
available from the FSCS.
                                                              ULST829NI (05/08)


                                      26
ufirst – Additional
Information
Document
We are providing information on the insurance product included in the ufirst
Account Package. This is the only insurance product of this type Ulster Bank
arranges as part of its ufirst Account Package. You are under no obligation to accept
this insurance product.

Will This Insurance Product Meet Your Needs?
The Insurance Product mentioned below is an integral part of the ufirst Account
range of benefits/services available for you to use.
Mobile Phone Insurance will be appropriate for eligible customers who wish to




                                                                                        ufirst – Additional Information Document
ensure that their mobile phone is covered against theft, loss and/or damage.
Please be advised, if you wish to avail of this cover you must register your phone.
Please refer to the Registration Process detailed within the Policy Document.
Ulster Bank is not making a personal recommendation based on your individual
circumstances that this policy is suitable for your needs and we recommend that you
read the Policy Summary and enclosed policy carefully.

How Much Will This Cost Me?
The Insurance Product listed is an integral part of the Ulster Bank ufirst Account
range of benefits/services available for you to use. There is no separate charge for
this insurance policy, it will remain available while the ufirst Account is open.
There is a monthly subscription charge for the ufirst Account and this charge
is not adjusted should you not wish to use a specific feature of the account.
Benefits under the plan are free of all personal taxes under current law and Inland
Revenue practice. Tax law and practice may change in the future.
Other taxes may exist that are not paid via underwriting Insurer and/or
Ulster Bank Limited or imposed by them or us.
The Monthly Subscription Charge for the account, currently £9 per month,
is inclusive of insurance premium tax, where applicable.

Your Right To Cancel
You have the right to cancel this policy within 14 days of registering your mobile
phone or SIM card.
To cancel your Mobile Phone Insurance your written instruction should be sent to
Customer Relations Department, Lifestyle Services Group Limited, PO Box 395, Crewe
CW1 6WT. You have the right to cancel this policy at any time by sending your written
instruction to Customer Relations Department, Lifestyle Services Group Limited,
PO Box 395, Crewe CW1 6WT which will have immediate effect. If the connected
Ulster Bank ufirst Account is closed this policy ends at the same time.




                                          27
Your ufirst Mobile
Phone Insurance
Policy Summary

Please read this document carefully. It is a Policy Summary only and does not
detail the full terms and conditions of the insurance policy. Full details of the
insurance policy terms and conditions can be found in the Policy Document,
on page 31 of this booklet.

Features of Ulster Bank ufirst Mobile Phone Insurance Policy

Insurance Provider
This policy is provided and underwritten by London General Insurance
Company Limited

Duration of Insurance Contract
As a ufirst Account holder, you are eligible for cover as long as you maintain your
account and register your mobile phone by contacting membership services on
0870 600 0427 or by visiting www.ufirstaccount.co.uk. You should review and
update your cover periodically to ensure it remains adequate.

Type of Insurance Cover
This is an insurance product that provides cover for one registered mobile phone
and SIM card for each ufirst customer (up to a maximum of two phones for
ufirst joint accounts) and up to a maximum original retail cost or value of £300
per phone. Your mobile phone is identified by the IMEI number and your mobile
phone number.

Significant Features and Benefits
This policy protects your mobile phone wherever you are in the world. Repair or
replacement will be arranged upon your return to the UK for the following:
• Loss
• Theft
• Accidental damage
• Water and liquid damage
• Mechanical breakdown
• Electrical breakdown
• Unauthorised calls up to £1,500 per claim for a monthly pay phone and
   £100 per claim for a pay-as-you-go phone. (Claims for unauthorised calls
   on pay-as-you-go phones will apply to top ups purchased in the 24 hours
   preceding the incident only.)
• Accessories up to £200
A maximum of two successful claims in total are allowed during any
12 month period.



                                     28
Significant Exclusions and Limitations
Please refer to section I, J and K of your Policy Document for a full list of the
cover’s exclusions and limitations. The following are the significant exclusions
and limitations:
• The policy excess of £30 for the first successful claim, and £50 for a second
  successful claim during any 12 month period.
• Theft of your phone and accessories from an unattended motor vehicle, unless
  secured in a glove box or locked boot.
• Theft of your phone and accessories from any unattended building or premises
  unless evidenced damage was caused in gaining entry to, or exit from the
  premises.
• Theft or loss of your phone and accessories where they have been left
  accidentally or deliberately in a public place or a place to which others
  have access.
• Theft, loss of or damage to your phone and accessories where they have been
  passed to someone else other than a family member.
• The period of 21 days after you register the details of your phone and/or SIM
  card, or the period of 21 days after you change the phone and/or SIM card you
  have already registered.
• Devices with a PDA and/or Qwerty functionality.

Making a Claim




                                                                                      Your ufirst Mobile Phone Insurance Policy Summary
Should you need to register a claim, you can do this online at
www.ufirstaccount.co.uk or by telephoning 0870 600 0427. (Lines are open
Monday to Friday 8am to 8pm and Saturday 9am to 5pm, except U.K.
Bank Holidays).

Cancellation Rights
You have a right to cancel this policy within 14 days of registering your
mobile phone or SIM card. To cancel your Mobile Phone Insurance, please call
membership services on 0870 600 0427.
You have the right to cancel this policy at any time by sending your written
instruction to Customer Relations Department, Lifestyle Services Group Limited,
PO Box 395, Crewe CW1 6WT which will have immediate effect. If you don’t
exercise this cancellation right, the agreement will be binding on you. If the
connected Ulster Bank ufirst Account is closed, this policy ends at the same time.

Making a Complaint
If you would like to make a complaint, you can do so by either:
• Telephoning 0870 600 0427
• Writing to: Customer Relations Department, Lifestyle Services Group Limited,
   PO Box 395, Crewe CW1 6WT.
Any complaints may be raised without prejudice to your right to take a legal
proceedings. If after making a complaint you are still unhappy and you feel
the matter has not been resolved to your satisfaction, you may contact the
Ombudsman’s Service.

The Financial Services Compensation Scheme
Parties to this contract are covered by the Financial Services Compensation
Scheme (FSCS). Under the Financial Services and Markets Act 2000, should the
insurer be unable to meet all its liabilities to policyholders, compensation may be
available. Most insurance contracts are covered for 100% of the first £2,000 and
90% of the remainder of the claim, without any upper limit. You can get more
information about the Compensation Scheme arrangements by contacting the
FSCS on 020 7892 7300 or by visiting their website at www.fscs.org.uk.



                                         29
Important Pre-Contract Information
Registering your mobile phone for cover: To qualify for your free cover, you must
register your mobile phone(s) by contacting ufirst membership services on
0870 600 0427 (lines are open Monday to Friday 8am to 8pm and Saturday 9am to
5pm) or go on-line to www.ufirstaccount.co.uk. Please see Section A of the Policy
Document for the information you will require when registering.

What If I Need To Make A Claim?
To notify Lifestyle Services Group Limited of a claim in the first instance please
telephone ufirst membership services on 0870 600 0427. You will need to provide
your Name, Address and the Account Number of your ufirst Account through which
your insurance was arranged.

The Law Applicable
You and the Insurers have a legal right to choose which law will apply to this
contract. However, this contract is offered to you on the basis that it will be
governed by the law of England.

Financial Services Compensation Scheme
Under the Financial Services and Markets Act 2000, should the insurers be unable to
meet all their liabilities to policyholders, compensation may be available. Insurance
contracts are covered for 100% of the first £2,000 and 90% of the remainder of
the claim, without any upper limit. Information can be obtained on request, or by
visiting the Financial Services Compensation Scheme website at www.fscs.org.uk

The ufirst Mobile Phone Insurance has been arranged for Ulster Bank Limited by Lifestyle
Services Group Limited, with a single provider, London General Insurance Company
Limited. London General Insurance Company Limited: Registered Office and Head Office:
Eaton House, 152–158 Northolt Road, Harrow, Middlesex HA2 0EA. Registered in England
number 1865673. London General Insurance Company Limited is authorised and regulated
by the Financial Services Authority and entered in the FSA Register (number 202689).
Lifestyle Services Group Limited: Registered Office and Head Office: Phones 4U House, Ore
Close, Lymedale Business Park, Newcastle, Staffordshire ST5 9QD. Registered in England
number 5114385. Lifestyle Services Group Limited is authorised and regulated by the
Financial Services Authority and entered in the FSA Register (number 315245).

                                                                       ULST2025NI 02/07




                                       30
Mobile Phone
Insurance Policy
Document
These are the terms and conditions of your mobile phone insurance available to you
as an Ulster Bank ufirst Account holder. Lifestyle Services Group Limited provides the
services under this agreement and has arranged the insurance cover with London
General Insurance Company Limited.
The policy is governed by these terms and conditions, which the insurer may change
in certain circumstances, upon giving 30 days’ notice in writing to you at your last
known address. Acceptance of cover is at our discretion.
Your policy is based on the information you gave to us verbally or otherwise about
you and your personal details when you applied for the insurance. The terms
detail what is covered and what is not covered, how claims are settled and other
important policy information.
Lifestyle Services Group Limited deals with the administration of this insurance and
the handling of claims.
Words or expressions that have a particular meaning are shown in bold type and
shall have the same meaning wherever they may appear.
You can request another copy of these terms. They are also available in large print,
audio and Braille versions. If you would like a copy in any of these formats, please
contact your branch.
Under European law, the parties to this contract may choose which law will apply to
this contract. English law will apply unless both parties agree otherwise in writing
prior to policy inception. The contract is written in English and all communication by
us with you will be in English.
A) Registration Process                                                                  Mobile Phone Insurance Policy Document
You must register your phone to take advantage of this cover. Please call
0870 600 0427* or go online at www.ufirstaccount.co.uk and follow the procedure.
You will need to provide the following details:
   •   Your name and address
   •   Your mobile phone number(s)
   •   The make, model, and IMEI number of your mobile phone(s)
   •   Whether your mobile phone is on a monthly contract or pay-as-you-go
   •   Your Ulster Bank ufirst Account number and sort code
   •   Your date of birth
You must inform us if you have changed the phone, or you wish to cover a different
phone to the one registered. The phone will not be covered for the period of 21 days
after you register it, or 21 days after you change the phone you have already
registered. If you would like to cover an alternative phone, you must advise us of the
change as soon as possible. The phone covered by this policy must be your property.
The phone can be used by a family member.




                                          31
B) Definitions
Accessories
All accessories up to a combined retail price of £200 including VAT, per claim (proof
of purchase must be provided with your claim). The retail price will be the standard
selling price applicable on the original day of purchase.
Administrator
Lifestyle Services Group Limited. Contact details can be found in section P.
Electrical or Mechanical Breakdown
The actual breaking or burning out of any part of the phone caused by, or arising from,
internal electronic, electrical or mechanical defects, or defective or faulty materials, or
workmanship, causing stoppage of normal operation and necessitating immediate
repair or replacement before normal operation can be resumed.
Excess
The amount of £30 for the first claim, and £50 for the second during any 12-month
period, which you have to pay.
Family Member
An individual who resides at the same permanent address as you and which
has one of the following relationships: your brother or sister, mother or father,
grandmother or grandfather, uncle or aunt, niece or nephew, spouse, partner with
whom you have resided for at least six months, or a child of which you or your
partner are the legal guardian.
IMEI Number
International Mobile Equipment Identity Number
The unique serial or identification number that we will use to identify the phone.
Incident
Any event that may lead to a claim being made for repair or replacement of the
phone. Any incident involving a crime must be reported to the Police. You must
obtain an incident reference number.
Insurer
London General Insurance Company Limited, whose main business is general
insurance. Contact details can be found in section P.
Mobile Phone/Phone
Your handset and SIM card specifically identified by the IMEI number and mobile
phone number. The handset must be your property. The SIM card will not be
covered unless it has been inserted into the SIM card slot of the phone.
The handset must be a handheld electronic device for which its main use is for
the making and receiving of telephone calls, SMS text messages and data. We do
not cover devices which have Windows Mobile®, Symbian OS™, or Palm® operating
systems or similar PDAs (Personal Digital Assistants), type of interface, whose
primary function is of a business nature. The cover of handsets will be at our
discretion, and if you are unsure as to whether the handset can be covered please
contact us.
Proof of Purchase
The till receipt provided at the point of sale that details the phone, or similar
documentation that provides proof that you own the phone such as a mobile
phone statement which shows the IMEI number.
Services
The work we undertake for you in arranging the insurance and acting as an
intermediary between you and the insurer.
SIM Card
Subscriber Identity Module Card
The card carrying your subscriber identity, the use of which, in conjunction with the
phone, enables services to be charged to your account.
Unauthorised Calls
Unauthorised calls, messages and downloads made from the insured phone after
being lost or stolen and whilst not barred by the airtime-provider. The payment of

                                        32
unauthorised calls is subject to a valid claim for the phone under the terms and
conditions and you reporting the incident within the given timescales.
We/Us/Our
The administrator.
You/Your
The Ulster Bank ufirst Account holder.
C) Price
This policy is provided as a benefit of you being an Ulster Bank ufirst Account holder.
The cost is an inclusive part of your standard monthly fee.
D) Cover
This policy covers:
1. One (up to two for a joint account) registered mobile phone(s) and SIM card(s)
    for each Ulster Bank ufirst Account (which must be owned by the primary
    account holder), and up to a maximum original retail cost or value of £300
    per phone. The mobile phone is identified by the IMEI number and mobile
    phone number.
2. The cost of replacing your phone as a direct result of loss or theft.
3. The cost of repairing your phone (or replacing it if your phone cannot be
    repaired) as a direct result of accidental damage, water or liquid damage, or
    malicious damage.
4. The cost of repairing your phone (or replacing it if your phone cannot be
    repaired) where damage is a result of electrical or mechanical breakdown.
5. The phone wherever you are in the world, repair or replacement will be arranged
    upon your return to the UK.
6. The cost of unauthorised calls made, up to a maximum of £1,500 including VAT
    per claim for monthly contract phones and £100 including VAT per claim for
    pay-as-you-go phones. Claims for unauthorised calls on pay-as-you-go phones will
    apply to top-ups purchased in the 24 hours preceding the incident only.
7. The replacement of your accessories up to a combined retail price
    of £200 including VAT, per claim if:
    • They are stolen or damaged at the same time as your phone
    • We have replaced your phone with an alternative model as a result of a
         successful claim and the accessories are no longer compatible with the
         new phone
8. Two successful claims in total during any 12-month period.
E) How to make a claim
To make a claim:
1. Visit the website at www.ufirstaccount.co.uk to register your claim online
2. Telephone 0870 600 0427*
     Monday to Friday    8am – 8pm (except U.K. Bank Holidays)
     Saturdays           9am – 5pm
     Please have your mobile phone number to hand.
     If your phone is lost or stolen, please follow these simple steps:
1. Call your airtime-provider to bar the SIM card - doing this will prevent any
   further unauthorised calls being made.
2. Inform the Police and ask for an incident reference number.
3. The airtime-provider and the Police must be contacted within 24 hours of
   discovering the incident.
     Airtime-providers’ numbers:
     3                   07782 333 333
     BT Mobile           08000 322 111
     O2                  08705 214 000
     Orange              07973 100 150
     Tesco Mobile        0870 900 4455
     T-Mobile            0845 412 5000
     Virgin Mobile       08456 000 789
     Vodafone            07836 191 191
                                           33
F) Conditions on making a claim
1. You must register a claim within 48 hours of discovering any incident for which
   you wish to claim, by visiting our website at www.ufirstaccount.co.uk or by
   telephoning 0870 600 0427*
2. You must inform the Police within 24 hours of discovering any theft, loss or
   malicious damage for which you wish to make a claim, obtaining an incident
   reference number. You must also inform the airtime provider within 24 hours of
   discovering the incident.
3. You must complete and return the claim form to us within 30 days of receiving
   it, ensuring that you have followed the procedure detailed on the claim
   documentation.
4. You may be requested to return the damaged phone and accessories to us for
   inspection as part of the claims assessment process. If requested to do so, you
   must send the phone and accessories by secure means, as described in the claim
   documentation. The phone and accessories remain your responsibility until we
   have received them.
5. You must ensure that no one but our approved agents carries out repairs to, or
   maintenance of, the phone or accessories.
6. To support your claim for unauthorised calls incurred on a monthly contract,
   you must provide the monthly mobile phone bill(s) covering the period of
   unauthorised calls, and the bill for the month prior to the unauthorised calls.
   To support your claim for unauthorised calls incurred on a pay-as-you-go phone
   you must provide proof of purchase of a top-up which was purchased in the 24
   hours preceding the incident.
7. You must provide proof of purchase for the phone and accessories with your
   claim form.
8. You must pay the policy excess if your claim is accepted.
G) What will happen when your claim is approved
1. We may settle your claim, at our discretion, by repair, replacement, or cash
   settlement. We will advise you of the method of settlement at the time your
   claim is authorised.
2. The settlement we offer for your mobile phone will be based on the current
   market value of the registered mobile phone or one of similar specification
   and functionality (where your mobile phone is no longer available on the
   general market).
3. Replacement phones and accessories will come from available stock. In the
   event that the same model is not available, the replacement will be of a similar
   specification and quality. We will contact you to confirm the phones that
   are available.
4. If your phone is lost or stolen, we will provide reimbursement, at our discretion,
   by BACS transfer or cheque payable to you, or by direct payment to the
   airtime-provider, for the cost of unauthorised calls up to a maximum of £1,500,
   including VAT, per claim for monthly contract phones and £100 per claim for
   pay-as-you-go phones. We will advise you of the method of reimbursement
   when the claim is authorised.
5. If your SIM card has been lost, stolen or damaged, you will need to contact
   the airtime-provider to request a replacement. If there is a charge for the
   replacement we will reimburse you. You may be asked to provide a receipt for
   the cost of the SIM card.
6. If you need to claim as a result of an incident outside the UK, the phone will be
   repaired or replaced once you return to the UK.
7. If any lost or stolen equipment is recovered after the claim is approved, it shall
   become the property of the insurer and must be returned to us immediately.
8. Damaged phones, accessories, parts and materials replaced by us shall become
   the property of the insurer.
9. The details of phones reported lost or stolen will be submitted to the
   Central Equipment Identity Register to prevent further use.



                                      34
10. The replacement phone will automatically be covered under your policy unless
    you have asked for it not to be covered. There will be no registration period in
    these circumstances and the phone will be immediately covered.
H) Important things that you must do
1. Use the phone and accessories in accordance with the manufacturer’s instructions.
2. Take reasonable care to prevent loss of, theft of, or damage to, the phone and
   accessories. If it is considered that you have not done so, your claim may not
   be accepted.
3. Advise us if any of your personal details change, you change the phone you wish
   to be covered, or the mobile phone number changes. You will not be covered for
   the period of 21 days after you register the details of the phone and/or SIM card,
   or for the period of 21 days after you change the phone and/or SIM card you
   have already registered.
4. Inform us of any loss, theft, breakdown or damage covered by your policy within
   the given timescales.
I) Loss, theft and damage
Cover will not be provided for:
1. Theft of the phone and accessories from an unattended motor vehicle, unless
   secured in the glovebox or locked boot. The vehicle must be locked and all
   security devices activated. Damage must be caused by the thief and evidence
   provided with your claim. Cover will not be provided if the vehicle cannot be
   secured against unauthorised entry.
2. Theft of the phone and accessories from any unattended building or premises
   unless evidenced damage was caused in gaining entry to, or exit from, the
   premises.
3. Theft or loss of the phone and accessories where they have been left
   accidentally or deliberately in a public place or a place to which other people
   have access.
4. Theft of, loss of, or damage to, the phone and accessories where they have been
   passed to someone else, other than a family member.
5. The cost of unauthorised calls whilst the phone was not in your custody or the
   custody of a family member, where the theft or loss of the phone has not been
   reported to the airtime-provider and the Police within 24 hours, and to us within
   48 hours, of discovering the incident.
6. The cost of unauthorised calls if the phone and SIM card have not been lost or
   stolen at the same time, and an incident reference number obtained from
   the Police.
7. Theft of, loss of, or damage to accessories not lost, stolen, or damaged at the
   same time and under the same circumstances as your phone.
J) Electrical or mechanical breakdown
Cover will not be provided for:
1. Loss or damage caused by, or during, maintenance or modification of the phone,
   other than by our approved agents.
2. Any breakdown or failure caused by placing or using the phone in a location or
   environment not in accordance with the manufacturer’s instructions.
K) General Exclusions
Cover will not be provided for:
1. Any incident which occurs within the first 21 days of registering the phone and/
   or SIM card, or during the first 21 days after you change the phone and/or SIM
   card you have already registered.
2. The policy excess of £30 for the first claim, and £50 for the second claim during
   any 12-month period.
3. Any loss (business or personal) resulting from loss of use of the phone.
4. Where the IMEI number cannot be determined from the phone or proof of
   purchase cannot be provided to prove ownership of the phone.
5. Loss or damage due to wear and tear, depreciation or gradual deterioration.
6. Loss or damage due to any process of cleaning, adjustment, repair, maintenance
   or dismantling other than by our approved agents.

                                         35
7. A third or subsequent claim per account during any 12-month period.
8. Installation, removal, or subsequent relocation of the phone in a vehicle, or any
    electrical or mechanical breakdown as a result of such.
9. The cost of cosmetic repairs.
10. Loss, theft, damage, or breakdown caused by war, invasion, act of foreign enemy,
    hostilities (whether war be declared or not), civil war, rebellion, or insurrection by
    military or usurped power.
11. Loss, theft, damage, or breakdown arising out of any wilful act or negligence of
    the user of the phone.
12. Any claim arising from, or in connection with, the repossession of the phone
    by any bank, finance, leasing or similar company, or person acting with such
    authority, and/or the confiscation or impounding of the phone by any Police,
    Customs or Government Authority.
13. People who are not permanently resident in the UK.
14. Any consequential loss incurred by you during the administration of the policy
    or at the time of a claim.
15. Loss or corruption of data, images, games, logos, wallpaper, videos, or downloads,
    due to loss of, theft of, breakdown of, or damage to, your phone, or damage caused
    by a virus. It is recommended that a back-up copy of all data is kept.
L) Cancelling the policy
1. We may cancel this policy with immediate effect by registered letter to you
   at your last known address in the event of you submitting any fraudulent or
   inaccurate information, or for any other valid reason.
2. Subject to clause 1 above and the registration requirements, this cover will
   remain in force for as long as you have an Ulster Bank ufirst Account and this
   cover continues to be provided as part of the account benefits.
3. If the connected Ulster Bank ufirst Account is cancelled this policy ends.
4. In the event you do not wish to continue your cover, please telephone us
   on 0870 600 0427*
M) Fraud
Identity fraud is a serious problem in the UK. Your details will be used to help
prevent fraud of this nature from happening to you.
If you receive information that the mobile phone details have been used for
fraudulent purposes, please telephone us on 0870 600 0427* and ask to be
transferred to the Security and Risk Management team.
Alternatively, you can write to:
Security and Risk Management
Lifestyle Services Group Limited
PO Box 395
CREWE
CW1 6WT
The personal details which you supply to us during the registration process will
be used to help combat fraud. These details will be retained for legal reasons for a
reasonable period after your policy expires, and for up to one year after your policy
expires in relation to fraud specifically. The contract between you and us is based on
mutual trust. If you (or anyone acting for you):
   •   Make a claim under the policy knowing the claim to be false or fraudulently
       exaggerated in any respect
   •   Make a statement in support of a claim knowing the statement to be false
       in any respect, or submit a document in support of a claim knowing the
       document to be forged or false in any respect
   •   Make a claim in respect of any loss, theft, or damage caused by your wilful
       act, or with the intent to defraud us or the insurer




                                       36
then:
   •    We shall not honour the claim
   •    We shall not honour any other claim which has been or will be made under
        any policy held by you
   •    We shall not make any return of payments made for cover and we may, at
        our option, cancel the policy
   •    We may be entitled to recover from you the cost of any claim already paid
        under this policy (if necessary the cost may be recovered through the
        instigation of court proceedings)
   •    We may be entitled to recover from you the cost of any investigation into a
        fraudulent claim under this policy (if necessary the cost may be recovered
        through the instigation of court proceedings)
   •    We may inform the Police, Government or regulatory bodies of the
        circumstances
Details of claims may be put onto a Register of Claims through which insurers
share information to prevent fraudulent claims. A list of participants and the name
and address of the operator are available on request.
N) Enquiries/Complaints
We will always be fair and reasonable when handling your policy or claim. Should
there ever be an occasion when you feel that we have not provided you with a
satisfactory level of service, we would like you to inform us so that we can do our
best to solve the problem. We will do everything possible to ensure that your query
is dealt with promptly.
The easiest way to contact us is to call our Customer Relations team on 0870 600 0427*
.
Alternatively, you can write to us at the following address, quoting your mobile
phone number in all correspondence:
Customer Relations Department
Lifestyle Services Group Limited
PO Box 395
CREWE
CW1 6WT
Our staff will attempt to resolve your query immediately. If this is not possible,
we promise to acknowledge your query within 5 working days of receiving it. In
the unlikely event that your query has not been resolved within 4 weeks of our
receiving it, we will write and let you know the reasons why, and what further
action we will take. Once we have resolved your query, we will confirm our
response in writing.
If you are not satisfied with our decision, please contact the Customer Relations
Manager at the above address.
If you have a complaint relating to the policy wording or contract, please contact
the insurer at their registered address.
If you remain dissatisfied, you can, within 6 months of our final decision, refer your
query for an independent assessment to:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR
The parties to this contract are covered by the Financial Ombudsman Service who,
once contacted, will liaise with us on your behalf. They will inform you directly of
their decision. Referral to the Financial Ombudsman Service will not prejudice your
right to take subsequent legal proceedings. Further information can be obtained at
their website at www.financial-ombudsman.co.uk

                                          37
The parties to this contract are covered by the Financial Services Compensation
Scheme. In the unlikely event any of the parties to this insurance are unable to
meet their liabilities; you may be entitled to compensation. The scheme covers 100%
of the first £2,000 of the claim, and 90% above this limit. Further information can
be obtained from their website at www.fscs.org.uk
O) Status disclosure
This cover has been arranged for Ulster Bank (FRN 122315) by Lifestyle Services Group
Limited (FRN 315245) with a single provider, London General Insurance Company
Limited. All companies are authorised and regulated by the Financial Services
Authority, which can be checked on the FSA website www.fsa.gov.uk/register or by
telephoning 0845 606 1234. If you need to register a complaint, please follow the
procedure detailed in section N. If Lifestyle Services Group Limited cannot settle
your complaint, you may be entitled to refer it to the Financial Ombudsman Service.
We are covered by the Financial Services Compensation Scheme. You may be
entitled to compensation from the scheme if we cannot meet our obligations.
For the purposes of the Data Protection Act 1998, the Data Controller in relation to
the personal data you supply is Lifestyle Services Group Limited.
P) Other Information
Ulster Bank Limited
Registered in Northern Ireland No. R733
Registered Office:
11-16 Donegall Square East
Belfast
BT1 5UB
Authorised and regulated by the Financial Services Authority, FRN 122315.
Lifestyle Services Group Limited.
Registered in England No. 5114385.
Registered Office:
Phones 4u House
Ore Close
Lymedale Business Park
Newcastle under Lyme
Staffordshire
ST5 9QD
Authorised and regulated by the Financial Services Authority, FRN 315245.
London General Insurance Company Limited.
Registered in England No: 1865673.
Registered office:
Eaton House
152-158 Northolt Road
Harrow
Middlesex HA2 0EA
Authorised and regulated by the Financial Services Authority, FRN 202689.
How we will deal with your personal information
We are committed to preserving the privacy of our customers. Please read the
following privacy policy to understand how we will use and protect the information
that you provide to us. By registering with us, you consent to the collection and
use of your information under the terms of this privacy policy. The information
you provide will be used by us to supply you with the services for which you have
registered and we may use the information to contact you to obtain your views on
our services and to let you know about important changes to the services which
we offer. The information you provide to us about you and your mobile phone will
be shared with Ulster Bank Limited, and the insurer. We may contact you by post,
telephone, fax, or e-mail. You will only be contacted by the methods you have asked
to be contacted by. Your information will not be used or disclosed other than in
accordance with this privacy policy, or without your permission, unless required
by law.



                                     38
If you would prefer us not to contact you to obtain your views and/or you change
your mind in the future and would like us to stop contacting you for this purpose,
please write to:
Customer Relations Department
Lifestyle Services Group Ltd
PO Box 395
Crewe
CW1 6WT
We may co-operate with the Police and any other relevant authorities or
organisations in connection with any misuse or suspected misuse of the services
provided by us or other telecommunications services provided by any member of
our group of companies. If necessary, we may divulge information about you for
this purpose.
You have a right to ask for a copy of the data held about you and you may ask us to
make any necessary changes to ensure that it is accurate and kept up to date. If you
wish to do this, please contact us on 0870 600 0427*, selecting the mobile phone
option. We are entitled by law to charge you a fee of £10.00 to meet our costs in
providing you with details of the information we hold about you.
We employ security measures to protect your information from access by
unauthorised persons and against unlawful processing, accidental loss, destruction
and damage. We will retain your information for a reasonable period or as long as
the law requires. Any changes to our privacy policy will be notified to you in the
appropriate way. All comments, queries and requests relating to our use of your
information are welcomed and should be addressed as specified above.
Windows Mobile® is a registered trademark of Microsoft Corporation in the United
States and/or other countries.
Symbian™ and all Symbian-based marks and logos are trade marks of Symbian Limited
Palm® is a registered trademark owned by or licensed to Palm, Inc
*0870 calls will be charged at a maximum of 8p a minute from a BT line. Calls from
non–BT phone lines may vary. Calls may be recorded or monitored for training/
customer services purposes and/or the prevention or detection of crime. Details
correct at time of print.




                                     39
For more information call into
any Ulster Bank branch


www.ulsterbank.co.uk




This brochure is also available in Braille, in large print,
on audiotape or on disc. Please contact your local branch
for details or textphone 0800 015 44 22.




Ulster Bank Limited. Registered in Northern Ireland. Registration Number R733.
Registered Office 11–16 Donegall Square East, Belfast BT1 5UB. Authorised and
regulated by the Financial Services Authority and entered on the FSA Register
(Registration Number 122315). Calls may be recorded.
ULST1553NI 1 July 2008

				
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