"The Institute of Sales & Marketing Management"

		The smart way to buy!
		Have you heard about the Institute of Sales and Marketing Management Credit Card? As our only official credit card, it has beenn carefully designed to both support the ISMM and provide great value with attractive rates and benifits.

This card has a fantastic zero percent p.a. on balance transfers* for nine months from the date your account is openedand a typical rate of 15.9 per cent APR (variable) on card purchases that you make. And that's not all, the Institute of Sales and Marketing Management Credit Card is packed with great benefits...
•No annual fee •Up to 59 days interest free on card purchases ‡ •FREE 24 hour Customer Satisfaction Helpline •FREE fraud protection - even on the Internet † •The convenience of online account management •Up to three additional cardholders at no extra cost •Use of over 630,000 cash machines in most countries throughout the world ƒ
‡ As long as you pay your statement balance in full and on time every month †As long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account ƒFor up to date information or advice on using your credit card worldwide or to withdraw cash, please contact our Customer Satisfaction Helpline 24 hours a day on Freephone 0800 062 062 *We may charge a handling fee for each balance transfer of 2% of the amount transferred, and will charge a handling fee for each cheque transaction of 2% of the transaction amount (minimum £2, maximum £35 per transfer or cheque). We will charge a 2% handling fee (minimum £2, no maximum) on cash transactions, and 2.75% commission on the amount of any foreign currency transactions. There is an annual fee of £0. The maximum amount of credit which may be provided under the agreement is £50,000. The minimum monthly repayment is the lesser of 2.25% of the balance shown on the statement (min £5) OR the charges for Payment Protection Cover, plus interest charged on the statement, and fees, plus £5, OR the full balance shown on the statement if this is less than £5. The typical APR on card purchases is APR (variable) and is calculated on the basis of a credit limit of £1,500. You cannot transfer balances from another MBNA account. The Institute of Sales and Marketing Management Credit Card is issued by MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. Credit is available, subject to status, only to UK residents aged 18 or over. We will monitor or record some phone calls. MBNA is authorised and regulated by the Financial Services Authority.