The small print...

This is the privacy statement of MBNA Europe Bank Limited ("MBNA"). Whilst exploring the services offered through this and Web sites owned by other members of the MBNA group, please be alert for and review any specialised privacy statements and terms of use applicable to particular products or Web sites, or portions thereof, as they may differ depending on group, company, product or service.

Further Protection of Your Privacy Policies of other Service Providers

Whilst exploring the services offered through MBNA's Web site, please be aware that other online retailers, partners, third party Internet sites, and third party services accessible through MBNA's Web site have separate privacy and data collection policies and practices, which are independent of and may differ from MBNA's policies and practices. MBNA is not responsible or liable for these independent policies and practices. It is your responsibility to review them and decide whether such policies and practices satisfactorily protect your rights.

Customer Privacy Is Important to Us.

At MBNA, we are committed to providing our Customers with the finest products backed by consistently top-quality service. However, we fully recognise the importance of keeping our Customers' personal and account information secure.

• We use established and exacting security standards to protect Customer information from unauthorised access.
• We verify the identity of our Customers through the use of personal passwords or other information before assisting them.
• We also use vigilant protection measures in order to protect our Customers' accounts from fraudulent use.

Personal Information

The MBNA Web server automatically recognises and records the domain name from which you access the Internet and the names of the pages you visited while at our site. In doing this, we do not gather or store any personal information about you. We do not store your electronic mail address (unless you choose to provide that to us). The information gathered may be used to improve the content of the MBNA Web site and make it more useful. Any personal information which you provide to us when you apply for a product or hold an account with us will be used in accordance with the terms and conditions of the particular agreement which you have entered into with us and in accordance with data protection legislation in the United Kingdom and Ireland.

Internet Safety

MBNA is committed to ensuring your personal and Account information is protected, both off and on the Internet. As a reminder:

• MBNA will not disclose or request sensitive information in any unencrypted e-mail communications (e.g., full account number and security passwords). If you should receive an e-mail containing or asking for this type of sensitive information, please call us immediately at 0800 062062 (UK) or 1800 446 262 (Ireland) prior to responding.
• If you call MBNA or receive a call from MBNA, please remember we will never ask you to provide us with your online account password.
• Any e-mails sent from MBNA, including Customer Satisfaction e-mails and new product offers, would require you to successfully log on to Online Banking before entering any Account or personal information. We do not request that personal information be sent via e-mail.
• E-mail hoaxes are becoming commonplace on the Internet. If you suspect that you have received a hoax e-mail that appears to be from MBNA, do not click on any links that may be embedded in the message. Instead, please forward your e-mail to emailfraud@mbna.com and call us immediately at 0800 062062 (UK) or 1800 446 262 (Ireland), and after speaking with us delete the e-mail.

Advertising Services

MBNA's banner advertisements and online applications may contain small graphics with tags in them. These tags are not personally identifiable and work in conjunction with these cookies. These tags allow us to measure the effectiveness and response rates of our advertising.

Use of Cookies

Some MBNA Web sites use a feature of your Internet browser called a cookie. Cookies are files that are placed on your computer's hard drive or in your browser memory. MBNA uses cookies to make your Internet sessions easy and to maintain security. For example, MBNA uses cookies to verify your identity, remember your personal settings such as your offer preferences, and to monitor your use of MBNA Web sites to improve our services. If you choose not to enable cookies on your browser, you will not be able to use some of the services offered on MBNA's Web sites.

Privacy Statement Changes

We may change this Privacy Statement from time to time. When such a change is made, we will post a revised version on this Web site. Changes will be effective when they are posted. It is your responsibility to review this Privacy Statement from time to time to be aware of any such change. Your continued use of the service will indicate your agreement to any such change.

This Privacy Statement was last reviewed January 2006.

This Privacy Statement is published by MBNA Europe Bank Limited registered in England under number 2783251. The registered office address is Stansfield House, Chester Business Park, Wrexham Road, Chester, CH4 9QQ. MBNA is at your service 24 hours a day, seven days a week and can be contacted via the telephone on 0800 062062 (UK) or 1800 446 262 (Ireland).