Tesco Bank is a wholly-owned subsidiary of Tesco, which gives us the freedom to make decisions based on what we really think is best for our customers. As part of the wider Tesco Group, we aim to live by the standards defined in the Tesco core purpose and values. Our core purpose is a clear and simple statement of what we do and what we stand for: to serve Britain's shoppers a little better every day. So, in practical terms, how do we do this? For a start, we listen to our customers and then deliver on what they really want when it comes to banking. Ease, value, trust _ these are the things that customers want, and so these are the hallmarks of all the products that we offer. To make life easier for our customers, all the products and services we offer are available online, on your mobile and over the phone. Most of our customers enjoy the convenience of buying and servicing their accounts online, and our call centres in Glasgow, Edinburgh and Newcastle are open seven days a week. Our colleagues are not set individual sales targets and do not receive incentives. This is because we want the focus to be on listening to customers and serving their needs. We also believe wholeheartedly in the importance of rewarding loyalty when customers choose to buy or use our products, and we do this by offering Clubcard points to customers on almost all of their spending. Today, we pride ourselves on our range of simple and convenient retail banking and insurance products designed specifically to meet the needs of Tesco customers. We believe that every little help makes a big difference, and by putting the customer first and rewarding their loyalty, weÍre offering something we believe every bank should.