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    <title><?php echo $shortname ?> World Elite | <?php echo $sitename ?></title>
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	<div class="top-menu-1x">
		<div class="container">
			<div class="row">
				<div class="col-md-6">
					<div class="top-menu-left">
						<p>Need help? Contact Us</p>
						 
						<b><i class="fa fa-envelope"></i><a style="color:#fff;" href="mailto:<?php echo $siteemail ?>"><?php echo $siteemail ?></a></b>
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					<div class="top-menu-right">
						<div class="footer-info-right">
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								<a href="index" style="background-color:white; color:black; border: 2px red; padding:2px;"><i class="fa fa-lock"></i> sign in</a>										
								<li><a href="#"> <i class="fa fa-twitter"></i> </a></li>											
								<li><a href="#"> <i class="fa fa-google"></i> </a></li>									
								<li><a href="#"> <i class="fa fa-linkedin"></i> </a></li>											
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	<div class="bussiness-main-menu-1x">	
		<div class="container">
			<div class="row">
				<div class="col-md-12">		
					<div class="business-main-menu">		
						<nav class="navbar navbar-expand-lg navbar-light bg-light btco-hover-menu">
						<a class="navbar-brand" href="index-2">
							<img style="max-width:125px;" src="<?php echo$logo ?>" class="d-inline-block align-top" alt="">		
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					  <button class="navbar-toggler" type="button" data-toggle="collapse" data-target="#navbarSupportedContent" aria-controls="navbarSupportedContent" aria-expanded="false" aria-label="Toggle navigation">
						<span class="navbar-toggler-icon"></span>
					  </button>

					  <div class="collapse navbar-collapse" id="navbarSupportedContent">
					  
						<ul class="navbar-nav ml-auto business-nav">
							<li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink2" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Banking Services <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Accounts & services</span>
									</a>
									<ul class="dropdown-menu" aria-labelledby="navbarDropdownMenuLink2" style="width:100%;background-color: #fff;">
									
									<div class="container">
										<div class="business-services nav1">	
											<div class="row">				
												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="current-accounts" class="menuhead">Current Accounts</a>
																		<li><a class="dropdown-item" href="premier-accounts"><?php echo $shortname ?> Account</a></li>
																		<li><a class="dropdown-item" href="advance-accounts">Advance Account</a></li>
																		<li><a class="dropdown-item" href="student-accounts">Student Account</a></li>
																		<li><a class="dropdown-item" href="bank-accounts">Bank Account</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="saving-accounts" class="menuhead">Savings</a>
																		<li><a class="dropdown-item" href="isas-accounts">ISAs</a></li>
																		<li><a class="dropdown-item" href="online-bonus-saver">Online Bonus Saver</a></li>
																		<li><a class="dropdown-item" href="flexible-saver">Flexible Saver</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="credit-cards" class="menuhead">Credit cards</a>
																		<li><a class="dropdown-item" href="32-month-balance-transfer">32 Month Transfer Credit Card</a></li>
																		<li><a class="dropdown-item" href="advance">Advance Credit Card</a></li>
																		<li><a class="dropdown-item" href="dual">Dual Credit Card</a></li>
																		<li><a class="dropdown-item" href="classic">Classic Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier"><?php echo $shortname ?> Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier-world-elite"><?php echo $shortname ?> World Elite Mastercard</a></li>
																		<li><a class="dropdown-item" href="student">Student Credit Card</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="contactandsupport" class="menuhead">Services</a>
																		<li><a class="dropdown-item" href="ways-to-bank">Ways to bank</a></li>
																		<li><a class="dropdown-item" href="phone-banking">Voice ID</a></li>
																		<li><a class="dropdown-item" href="contactandsupport">Contact & Support</a></li>
																		<li><a class="dropdown-item" href="branch-locator">Find a Branch</a></li>
																		<a style="margin-top: 15px;" href="international" class="menuhead">International services</a>
																		<li><a class="dropdown-item" href="currency-account">Currency Account</a></li>
																		<li><a class="dropdown-item" href="money-transfer">International Payments</a></li>
																		<li><a class="dropdown-item" href="travel-money">Travel money</a></li>
																  </div>
																</div>	
															</div>	
														</div>
													</div>
												</div>									
											</div>
										</div>
									</div>                                     
								</ul>
								</li>
							    <li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink3" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Borrowing <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Loans & mortgages</span>
									</a>
									<ul class="dropdown-menu" aria-labelledby="navbarDropdownMenuLink2" style="width:100%;background-color: #fff;">
									
									<div class="container">
										<div class="business-services nav2">	
											<div class="row">				
												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="loans" class="menuhead">Loans</a>
																		<li><a class="dropdown-item" href="personal-loans">Personal Loan</a></li>
																		<li><a class="dropdown-item" href="car-loans">Car Loan</a></li>
																		<li><a class="dropdown-item" href="flexible">Flexiloan</a></li>
																		<li><a class="dropdown-item" href="premier-personal"><?php echo $shortname ?> Personal Loan</a></li>
																		<li><a class="dropdown-item" href="graduate-loans">Graduate Loan</a></li>
																  </div>
																</div>	
															</div>	
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="overdrafts" class="menuhead">Overdrafts</a>
																	</div>
																</div>
															</div>
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="mortgages" class="menuhead">Mortgages</a>
																		<li><a class="dropdown-item" href="first-time-buyers">First time buyer</a></li>
																		<li><a class="dropdown-item" href="95-mortgages">95% Mortgages</a></li>
																		<li><a class="dropdown-item" href="remortgage">Remortgage</a></li>
																		<li><a class="dropdown-item" href="buy-to-let-mortgages">Buy to let</a></li>
																		<li><a class="dropdown-item" href="existing-customers">Existing homeowner</a></li>
																		<li><a class="dropdown-item" href="mortgage-rates">Mortgage rates</a></li>
																		<li><a class="dropdown-item" href="armed-forces">Armed Forces Personnel</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="credit-cards" class="menuhead">Credit cards</a>
																		<li><a class="dropdown-item" href="32-month-balance-transfer">32 Month Transfer Credit Card</a></li>
																		<li><a class="dropdown-item" href="advance">Advance Credit Card</a></li>
																		<li><a class="dropdown-item" href="dual">Dual Credit Card</a></li>
																		<li><a class="dropdown-item" href="classic">Classic Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier"><?php echo $shortname ?> Credit Card</a></li>
																		<li><a class="dropdown-item" href="premier-world-elite"><?php echo $shortname ?> World Elite Mastercard</a></li>
																		<li><a class="dropdown-item" href="student">Student Credit Card</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="contactandsupport" class="menuhead">Services</a>
																		<li><a class="dropdown-item" href="contactandsupport">Help & Support</a></li>
																		<li><a class="dropdown-item" href="money-worries">Money Worries</a></li>
																		<li><a class="dropdown-item" href="branch-locator">Find a Branch</a></li>
																
																		<a style="margin-top: 15px;" href="tools-and-guides" class="menuhead">Tools & Guides</a>
																		<li><a class="dropdown-item" href="overpayment-calculator">Overpayment calculator</a></li>
																		<li><a class="dropdown-item" href="repayment-calculator">Repayment calculator</a></li>
																		<li><a class="dropdown-item" href="bank-of-england-base-rate">Base rate information</a></li>
																  </div>
																</div>	
															</div>	
														</div>		
													</div>
												</div>									
											</div>
										</div>
									</div>                                     
								</ul>
							  </li>	

							  <li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink3" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Investing <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Products & analysis</span>
									</a>
									<ul class="dropdown-menu" aria-labelledby="navbarDropdownMenuLink2" style="width:100%;background-color: #fff;">
									
									<div class="container">
										<div class="business-services nav3">	
											<div class="row">				
												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="investing" class="menuhead">Investments</a>
																		<li><a class="dropdown-item" href="investment-funds">Investment funds</a></li>
																		<li><a class="dropdown-item" href="world-selection-isa">World Selection ISA</a></li>
																		<li><a class="dropdown-item" href="sharedealing">Sharedealing</a></li>
																		<li><a class="dropdown-item" href="premier-financial-advice"><?php echo $shortname ?> Financial Advice</a></li>
																		<li><a class="dropdown-item" href="stand-alone-investment-advice">Stand-alone Investment Advice</a></li>
																		<li><a class="dropdown-item" href="onshore-investment-bond">Onshore Investment Bond</a></li>
																		<li><a class="dropdown-item" href="child-trust-funds">Child Trust fund</a></li>
																		<li><a class="dropdown-item" href="investing">View all</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="news" class="menuhead">Financial news & analysis</a>
																  </div>
																</div>	
															</div>
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="why-invest-with-us" class="menuhead">Why invest with us?</a>
																	<li><a class="dropdown-item" href="why-invest-with-us">Find out more</a></li>
																  </div>
																</div>	
															</div>
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="wealth-insights" class="menuhead">Wealth Insights </a>
																  </div>
																</div>	
															</div>	
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="investment-funds-online" class="menuhead">Global Investment Centre</a>
																		<li><a class="dropdown-item" href="investment-funds-online">Find out more</a></li>
																	</div>
																</div>
															</div>
														</div>	
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="contactandsupport" class="menuhead">Customer support</a>
																		<li><a class="dropdown-item" href="gsa">Log on to Global Investment<br>Centre</a></li>
																		<li><a class="dropdown-item" href="gsa">Log on to Sharedealing</a></li>
																		<li><a class="dropdown-item" href="contactandsupport">Investments contacts</a></li>
																		<li><a class="dropdown-item" href="selected-investment-funds">Existing Selected Investments<br>Customers</a></li>
																		<li><a class="dropdown-item" href="getting-started">Getting started with investing</a></li>
																		<li><a class="dropdown-item" href="contactandsupport">View all</a></li>
																  </div>
																</div>	
															</div>	
														</div>			
													</div>
												</div>									
											</div>
										</div>
									</div>                                     
								</ul>
							  </li>	

							  <li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink3" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Insurance <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Property & family</span>
									</a>
									<ul class="dropdown-menu" aria-labelledby="navbarDropdownMenuLink2" style="width:100%;background-color: #fff;">
									
									<div class="container">
										<div class="business-services nav4">	
											<div class="row">				
												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="insurance" class="menuhead">Insurance</a>
																		<li><a class="dropdown-item" href="home-insurance">Home Insurance</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance</a></li>
																		<li><a class="dropdown-item" href="student-insurance">Student Insurance</a></li>
																		<li><a class="dropdown-item" href="insurance">View all</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="life-insurance" class="menuhead">Life Insurance</a>
																	<li><a class="dropdown-item" href="life-cover">Life Cover</a></li>
																	<li><a class="dropdown-item" href="critical-illness-cover">Critical Illness Cover</a></li>
																	<li><a class="dropdown-item" href="income-cover">Income Cover</a></li>
																	<li><a class="dropdown-item" href="protection-telephone-advice">Telephone Protection Advice</a></li>
																	<li><a class="dropdown-item" href="life-insurance">View all</a></li>
																  </div>
																</div>	
															</div>
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="insurance" class="menuhead">Insurance Claims</a>
																		<li><a class="dropdown-item" href="home-insurance-claims">Home Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="car-insurance-claims">Car Insurance Claims</a></li>
																	</div>
																</div>
															</div>
														</div>	
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="premier-accounts" class="menuhead"><?php echo $shortname ?> Customers</a>
																		<li><a class="dropdown-item" href="premier-travel">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="premier-car">Car Insurance Claims</a></li>
																  </div>
																</div>	
															</div>	
														</div>			
													</div>
												</div>									
											</div>
										</div>
									</div>                                     
								</ul>
							  </li>
								
								<li class="nav-item dropdown">
									<a class="nav-link" href="#" id="navbarDropdownMenuLink3" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false">
										Life events <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Help & support</span>
									</a>
									<ul class="dropdown-menu" aria-labelledby="navbarDropdownMenuLink2" style="width:100%;background-color: #fff;">
									
									<div class="container">
										<div class="business-services nav5">	
											<div class="row">				
												<div class="col-md-12 service-content">
													<div class="row">
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="life-events" class="menuhead">Life events</a>
																		<li><a class="dropdown-item" href="dealing-with-bereavement">Bereavement support</a></li>
																		<li><a class="dropdown-item" href="dealing-with-separation">Separation support</a></li>
																		<li><a class="dropdown-item" href="settling-in-the-uk">Settling in the <?php echo$sitecountry ?></a></li>
																		<li><a class="dropdown-item" href="getting-married">Getting married</a></li>
																		<li><a class="dropdown-item" href="planning-your-retirement">Planning your retirement</a></li>
																		<li><a class="dropdown-item" href="growing-your-wealth">Growing your wealth</a></li>
																		<li><a class="dropdown-item" href="moving-abroad">Moving abroad</a></li>
																		<li><a class="dropdown-item" href="life-events">View all</a></li>
																  </div>
																</div>	
															</div>	
														</div>
														
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="planningtools" class="menuhead">Planning tools</a>
																	<li><a class="dropdown-item" href="financial-health-check">Financial health check</a></li>
																	<li><a class="dropdown-item" href="planningtools">View All</a></li>
																  </div>
																</div>	
															</div>
														</div>
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="protecting-what-matters" class="menuhead">Protecting what matters</a>
																		<li><a class="dropdown-item" href="protecting-what-matters">Learn more</a></li>
																	</div>
																</div>
															</div>
														</div>	
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<div class="business-main-slider">
	<div class="owl-carousel main-slider">
        <div class="item creditbanner">			
			<div class="hvrbox">
				<img src="images\wei.jpg" alt="credit" class="hvrbox-layer_bottom">
			</div>	
			<div class="banner-content">
				<div class="innerBanner container">
					<h3><?php echo $shortname ?> World Elite™ Card</h3>
					<p>Indulge yourself with extra rewards</p>
				</div>
			</div>		
        </div>
    </div>	
</div>
<div class="card-detail-wr">
	<div class="container">
		<div class="cardWr row">
			<div class="col-sm-8 leftwr">
				<div class="col-sm-12" style="margin-bottom: 15px;">
					<h2><?php echo $shortname ?> World Elite™ Mastercard®</h2>
					<img src="images\visa.png" style="width:250px; height: 170px;">
				</div>
				<div class="col-sm-12">	
					<ul>
						<li><span class="firstspan"><i class="fa fa-check" aria-hidden="true"></i></span><span class="secondspan">Whether you’re a frequent flier or just planning a dream holiday, a credit card that’s been designed with travelling in mind could be right for you. This card is available exclusively for existing <?php echo $sitename ?> <?php echo $shortname ?> customers.</span></li>
					</ul>
				</div>
				<div class="readmoreWr col-sm-12">
					<a href="#" class="bussiness-btn-larg">How to apply</a>
				</div>
			</div>
			<div class="col-sm-4 rightwr">
				<p style="font-size: 28px;font-weight: bold;">Representative example</p>
				<div class="col-sm-12 variableper">
					<p>59.3% APR <span>Variable rep APR</span></p>
				</div>
				<div class="col-sm-12 variableper">
					<p>18.9% p.a. <span>Variable purchase rate</span></p>
				</div>
				<div class="col-sm-12 creditlimit">
					<span>Based on an assumed credit limit of</span><p>$1,200</p>
				</div>
				<div class="col-sm-12 creditlimit">
					<span>With an annual fee of</span><p>$195</p>
				</div>
			</div>
		</div>

		<div class="card-single-wr">
			<h2>Key features</h2>
			<div class="inner-card-wr">
				<h3>Rewards</h3>
				<ul>
					<li><i class="fa fa-check" aria-hidden="true"></i> Welcome points boost</li>
					<p>Receive 40,000 reward points when you spend $2,000 on your card in the first 90 days of card membership.</p>
					<li><i class="fa fa-check" aria-hidden="true"></i> Anniversary points boost</li>
					<p>Spend $12,000 or more on your card within your first 12 months of membership to receive a further 40,000 reward points at the anniversary of card membership.</p>
					<li><i class="fa fa-check" aria-hidden="true"></i><?php echo $sitename ?> <?php echo $shortname ?> Rewards Programme</li>
					<p>For every $1 of eligible spend1 on your credit card: you’ll earn 2 <?php echo $sitename ?> <?php echo $shortname ?> Reward points if it’s in Sterling currency2, or 4 <?php echo $sitename ?> <?php echo $shortname ?> Reward points if it’s in non-Sterling currency. A spend of just over $7,000 for example converted into reward points could see you receive a Laithwaites <?php echo $shortname ?> 6 wine selection. Redeem your points for shopping vouchers. <a href="#">Terms & Conditions apply (PDF, 1MB)</a>.</p>
					<li><i class="fa fa-check" aria-hidden="true"></i> <?php echo $sitename ?> <?php echo $shortname ?> Rewards for Miles</li>
					<p>Every 2 points are worth the equivalent of 1 frequent flyer mile. A spend of just $9,000 for example converted into Frequent Flyer miles could be enough to fly to Paris.</p>
					<li><i class="fa fa-check" aria-hidden="true"></i> <?php echo $sitename ?> <?php echo $shortname ?> Privileges</li>
					<p>A unique collection of special discounts and experiences exclusively for our <?php echo $shortname ?> credit card customers.</p>
				</ul>
			</div>

			<div class="inner-card-wr lowerwr">
				<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo">	Additional credit card information</a>
				<div id="demo" class="collapse">
					<h3 style="margin-top: 0;">Additional cardholders</h3>
					<p>For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ MasterCard ®.</p>
					<p><strong>Representative example</strong></p>
					<p>Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200</p>
					<p><strong>What are the benefits?</strong></p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Additional cardholder will gain unlimited access to over 500 airport lounges across the world.</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i><strong>Earn two points for every $1 of eligible spend in Sterling currency and earn four points for every $1 of eligible spend in non-Sterling.</strong></li>
						<p>These points are added to the main cardholder's points balance.</p>
						<p>Save up and redeem against great rewards for example:</p>
						<li><i class="fa fa-check" aria-hidden="true"></i><strong>Guests</strong> (non-cardholders) are also charged at a cost of <strong>$15 per guest per visit</strong></li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>Shopping vouchers for stores like M&S, Amazon and Boots</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Sample special selections of luxury wines and champagnes from Laithwaite’s Wine</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Take that feel-good factor even further and donate your points to charity</li>	
					</ul>

					<p>US includes the Channel Islands and the Isle of Man.</p>
					<p><a href="#">Additional application form</a></p>
				</div>
			</div>

			<div class="inner-card-wr">
				<h3>Travel*</h3>
				<ul>
					<li><i class="fa fa-check" aria-hidden="true"></i>Enjoy complimentary airport lounge access</li>
					<p>With membership in the LoungeKey programme, you get complimentary access to over 750 airport lounges worldwide. Both primary and additional cardholders simply need to swipe their card at the Lounge entrance and state they are travelling with Lounge Key.</p>
				</ul>
			</div>

			<div class="inner-card-wr lowerwr">
				<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo1">	Review our top tips before travel.</a>
				<div id="demo1" class="collapse">
					<h3 style="margin-top: 0;"><?php echo $shortname ?> World Elite Credit Card Customers</h3>
					<p>To get the most out of your journey;</p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Upon arrival at the airport lounge, cardholders must state they are with Lounge Key and swipe their <?php echo $shortname ?> World Elite Card on the payment terminal</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i>If travelling together, both primary and additional cardholders must state they are with Lounge Key and swipe their <?php echo $shortname ?> World Elite Card on the payment terminal separately</li>
						<p>If both card holders attempt to enter under one card, the secondary cardholder will be treated as a guest and charged.</p>
						<p><?php echo $shortname ?> World Elite cardholders are entitled to unlimited complimentary access</p>
						<li><i class="fa fa-check" aria-hidden="true"></i>Guests (non-cardholders) are charged at a cost of $15 per guest per visit</li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>Each lounge has its own policy on whether children can enter. The cost of children entering is subject to each individual lounge’s discretion. For more information please refer to <a href="#">Lounge Key’s FAQ page.</a></li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Cardholders cannot pre book but, download the Lounge Key app to check key usage stats.</li>	
					</ul>

					<p>If you would like to find out more about how Lounge Key can support you whilst you travel please click here to explore their <a href="#">website/app</a></p>
				</div>
			</div>

			<div class="inner-card-wr">
				<ul>
					<li><i class="fa fa-check" aria-hidden="true"></i>Additional cardholders</li>
					<p>For an annual fee of $60, you can get an additional credit card for up to 3 members of your family or friends to your card account. They’ll earn points and enjoy unlimited airport lounge access, too. </p>
					<li><i class="fa fa-check" aria-hidden="true"></i>Contactless transactions</li>
					<p>Use your card to make <a href="#">contactless</a> transactions and add it to <a href="#">Apple Pay</a>, <a href="#">Google Pay</a> and <a href="#">Samsung Pay.</a></p>
					<li><i class="fa fa-check" aria-hidden="true"></i>24-hour worldwide assistance</li>
					<p>Receive round-the-clock support and an emergency cash advance if your card is lost or stolen.</p>
				</ul>
			</div>
			<div class="inner-card-wr lowerwr">
				<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo2">Additional credit card information</a>
				<div id="demo2" class="collapse">
					<h3 style="margin-top: 0;">Additional cardholders</h3>
					<p>For an annual fee of $60, adding your partner, a family member or friend (18 years or over) to your account is a simple way to get more from your <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ MasterCard ®.</p>
					<p><strong>Representative example</strong></p>
					<p>Representative 59.3% APR variable and 18.9% pa (variable) for purchases, based on an annual fee of $195 and an assumed credit of $1,200</p>
					<p><strong>What are the benefits?</strong></p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Earn two points for every $1 of eligible spend in Sterling currency and earn four points for every $1 of eligible spend in non-Sterling.</li>		
						<p>These points are added to the main cardholder's points balance.</p>
						<p>Save up and redeem against great rewards for example:</p>
						<li><i class="fa fa-check" aria-hidden="true"></i>Shopping vouchers for stores like M&S, Amazon and Boots</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Sample special selections of luxury wines and champagnes from Laithwaite’s Wine</li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>Take that feel-good factor even further and donate your points to charity</li>
					</ul>

					<p>US includes the Channel Islands and the Isle of Man. </p>
					<p><a href="#">Additional application form</a></p>
				</div>
			</div>			
		</div>

		<div class="inner-card-wr accordianwr">
			<button class="accordion">Annual cardholder fees</button>
			<div class="panel">
				<div class="inner-card-wr">
					  <p>Primary cardholder fee: $195 (non-refundable)</p>
					  <p>Secondary cardholder fee: $60 (non-refundable) </p>
			  	</div>
			</div>

			<button class="accordion">Using your reward points</button>
			<div class="panel">
				<div class="inner-card-wr">
				  <div class="row">
					  <div class="col-sm-4">
					  	<img src="images\accord1.jpg" alt="">
					  </div>
					  <div class="col-sm-8">
					  	<h3>Rewards for miles</h3>
					  	<p>We've partnered with British Airways, Etihad, Asia Miles and Singapore Airlines so you can convert your <?php echo $sitename ?> <?php echo $shortname ?> Reward points into your dream getaway. </p>
					  	<a href="#">
							<i class="fa fa-download" aria-hidden="true"></i>Terms & Conditions apply (PDF, 46KB)
						</a>
					  </div>
				  </div>
				  <div class="row">
					  <div class="col-sm-4">
					  	<img src="images\accord3.jpg" alt="">
					  </div>
					  <div class="col-sm-8">
					  	<h3>Vouchers</h3>
					  	<p>You can redeem your points for vouchers from M&S, Amazon, Debenhams, Sainsbury's, Boots, Argos and Morrisons. Even better, we'll deliver them straight to your door. Find out more in the </p>
					  	<a href="#">
							<i class="fa fa-download" aria-hidden="true"></i>Rewards Points Brochure (PDF, 3MB)
						</a>
					  </div>
				  </div>
				  <div class="row">
					  <div class="col-sm-4">
					  	<img src="images\accord2.jpg" alt="">
					  </div>
					  <div class="col-sm-8">
					  	<h3>Fine wines</h3>
					  	<p>You can also exchange your points for a special selection of Laithwaite's quality wines, delivered direct to your home or office.</p>
					  	<p>Just call <?php echo$sitephone ?>* quoting reference MP85 to pay by points only or MC85 to pay by points and cash.</p>
					  </div>
				  </div>
				  <div class="row">
					  <div class="col-sm-4">
					  	<img src="images\accord4.jpg" alt="">
					  </div>
					  <div class="col-sm-8">
					  	<h3>Charity</h3>
					  	<p>You might also want to consider donating your points to a good cause. Every 1,500 points is worth $5 of vital support for charities all over the world, including Age <?php echo$sitecountry ?>, British Heart Foundation and the Alzheimer's Society.** </p>
					  </div>
				  </div>
				  <div class="row">
				  	<div class="col-sm-12">
				  		<h3 style="margin-top: 0;">Exclusive offers</h3>
				  		<p>Discover the vast possibilities awaiting you when travelling or simply staying at home with a wide range of very special offers from <?php echo $sitename ?> <?php echo $shortname ?> Privileges. It's just one of the ways we like to thank our <?php echo $shortname ?> World Elite MasterCard customers.</p>
				  		<a href="#" class="bussiness-btn-larg">Visit <?php echo $sitename ?> <?php echo $shortname ?> privileges</a>
				  		<p style="margin-top: 20px;">Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day). </p>
				  		<p>*In order to provide a wide range of charities that our customers would choose to support and to ensure as many charities as possible have the opportunity to benefit from our scheme, we may change the charity selection from time to time.</p>
				  		<p>**Lines are open Weekdays: 8.30am to 9pm, Saturday: 9am to 8pm, Sunday: 9am to 6pm</p>
				  	</div>
			  	  </div>
			  	</div>
			</div>

			<button class="accordion">Find out how to convert your points for airmiles</button>
			<div class="panel">
			  <div class="inner-card-wr">
			  	<ul>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Log on to online banking</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Choose World Elite within the My Accounts section. Then choose Points Balance from the right hand menu.</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Select Continue under Airlines miles, on the list of Points Redemption Options or Join airline programme if you are not currently part of an airline programme</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Select the airline you wish to redeem your Points with.</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Insert your details, including your airline programme number and submit your request. Please allow up to 14 days for your request to be processed.</li>
			  	</ul>
			  </div>
			</div>

			<button class="accordion">How to redeem your points</button>
			<div class="panel">
			  <div class="inner-card-wr">
				 <h3 style="margin-top: 0;">Redeem your points online</h3>
				 <ul>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Log into online banking</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Click on '<?php echo $shortname ?> World Elite Mastercard' within the 'My accounts' section</li>
			  		<li><i class="fa fa-check" aria-hidden="true"></i>Click on 'Points balance' on top right hand of card transactions Go to <a href="#">My accounts</a></li>
			  	</ul>
			  	<h3>Redeem your points by phone</h3>
			  	<p>Alternatively, you can call us on</p>
			  	<p><?php echo $sitephone ?> .</p>
			  	<p>Please ensure you have your <?php echo $sitename ?> <?php echo $shortname ?> Credit Card account number to hand.</p>
			  	<p>Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day). </p>
			  </div>
			</div>
		</div>

		<div class="card-single-wr">
			<h2>Apply for a <?php echo $shortname ?> World Elite Credit Card™</h2>
			<div class="inner-card-wr">
				<p><?php echo $sitename ?> <?php echo $shortname ?> is available to you, if you pay your annual income into your <?php echo $sitename ?> <?php echo $shortname ?> <?php echo $sitename ?> Account and have either:</p>
				<ul>
					<li><i class="fa fa-check" aria-hidden="true"></i>savings or investments of at least $50,000 with <?php echo $sitename ?> in the <?php echo$sitecountry ?>; or</li>
					<li><i class="fa fa-check" aria-hidden="true"></i>an individual annual income of at least $75,000 and one of the following products with <?php echo $sitename ?> <?php echo$sitecountry ?>:  a mortgage, investment, life insurance or protection product;</li>
				</ul>
				<p>Or if you’ve already qualified for <?php echo $sitename ?> <?php echo $shortname ?> in another country.</p>
			</div>
			<div class="inner-card-wr lowerwr">
				<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo4">Please review our complete eligibility criteria before applying</a>
				<div id="demo4" class="collapse">
					<h3 style="margin-top: 0;"><?php echo $sitename ?> <?php echo $shortname ?> <?php echo $sitename ?> Account eligibility criteria </h3>
					<p>If you'd like to open an <?php echo $sitename ?> <?php echo $shortname ?> Account, please ensure you fulfil all the following criteria:</p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>you are 18 years or older</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i>your residential address is within the EU</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>you can provide us with certified proof of your identity and address and one month's <?php echo $sitename ?> statements from your current <?php echo $sitename ?> (translated into English if appropriate)</li>	
						<li>if you are resident in the <?php echo$sitecountry ?>, you are happy for us to undertake a credit register search</li>
						<li>in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a US resident. This is subject to status and meeting Bank's proof of US address requirement</li>
					</ul>
					<p>Please note: <?php echo $sitename ?> in the US excludes M&S Bank, first direct and <?php echo $sitename ?> Expat. For the second criteria listed above (‘an individual annual income of at least $75,000 and one of the following products with <?php echo $sitename ?> in the <?php echo$sitecountry ?>), in the case of a joint account, at least one of the parties must have an individual annual income of at least $75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.</p>
				</div>
				<ul>
					<li>
						<a href="#">
							<i class="fa fa-download" aria-hidden="true"></i>Summary box (PDF, 87KB)
						</a>
					</li>
					<li>
						<a href="#">
							<i class="fa fa-download" aria-hidden="true"></i>Privacy Notice (PDF)
						</a>
					</li>
				</ul>
				<div class="row logonwr">
					<div class="col-sm-6 applynow">
						<h3>Existing <?php echo $shortname ?> cardholders</h3>
						<p>We regularly invite our <?php echo $shortname ?> cardholders to transfer to the <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ MasterCard®. If you have received an invite, please select the 'transfer online' button below to access the application form. You'll need to have your reference code with you to complete the application. </p>
						<a href="#" class="bussiness-btn-larg">Transfer online</a>
					</div>
					<div class="col-sm-6 logon">
						<h3><?php echo $shortname ?> customers who don't yet have a credit card</h3>
						<p>If you're already a <?php echo $shortname ?> customer and you don't have a credit card with us, you can apply online for an <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ MasterCard®.</p>
						<a href="#" class="bussiness-btn-larg">Apply now</a>
					</div>
					<div class="col-sm-12" style="margin-top: 20px;">
						<p>You may have told us in the past that you do not want to receive certain communications from <?php echo $sitename ?> Plc. If so, we are unable to send you an invitation to transfer online. Alternatively, apply for the <?php echo $shortname ?> World Elite MasterCard by speaking to your <?php echo $shortname ?> Relationship Manager over the phone or in branch. You can call us on <?php echo $sitephone ?>  to book an appointment.</p>
						<p>Credit is subject to status, affordability and applicable terms and conditions.</p>
					</div>
				</div>
				<div class="inner-card-wr applybranch">
					<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo5">Apply by phone or in branch</a>
					<div id="demo5" class="collapse">
						<div class="row">
							<div class="col-sm-12">
								<h3 style="margin-top: 0;">Apply in branch</h3>
								<p>To apply for an <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ MasterCard®, please speak to your relationship manager. You can also call us on:</p>
								<p><?php echo $sitephone ?> </p>
								<p>Lines are open 24 hours a day.</p>
								<p>You'll need to bring identification, proof of your address and a recent statement from your current bank.</p>
							</div>
						</div>
					</div>
				</div>
				<div class="inner-card-wr">
					<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo6">What you can expect when you transfer to the <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ Mastercard®</a>
					<div id="demo6" class="collapse">
						<div class="row">
							<div class="col-sm-12">
								<ul>
									<li><i class="fa fa-check" aria-hidden="true"></i>Any existing balance transfers and reward points will automatically move to the new <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ Mastercard®</li>
									<li><i class="fa fa-check" aria-hidden="true"></i>We will automatically issue you with a new PIN for the new card</li>
									<li><i class="fa fa-check" aria-hidden="true"></i>We won't need to credit score you for your new card, so your credit limit will be unchanged. Plus, we will transfer any debit balance to your new card</li>
									<li><i class="fa fa-check" aria-hidden="true"></i>You can continue using your existing <?php echo $shortname ?> Card until your new card arrives, which should be within 7-10 working days</li>
									<li><i class="fa fa-check" aria-hidden="true"></i>Once you start using your new card, we'll take it as an instruction to close your current existing <?php echo $shortname ?> Card</li> 
									<li><i class="fa fa-check" aria-hidden="true"></i>If you already have a Direct Debit set up on your account, we will transfer this to your new card automatically. If you would like to update your Direct Debit, please let us know by completing the 'Payments' section of the Card Agreement</li>
									<li><i class="fa fa-check" aria-hidden="true"></i>Continue to pay your <?php echo $shortname ?> Credit Card until you receive your new <?php echo $sitename ?> <?php echo $shortname ?> World Elite™ Mastercard®. If you have recurring payments on your account, you'll need to advise the retailer of the new credit card number</li>
								</ul>
							</div>
						</div>
					</div>
				</div>
				<div class="inner-card-wr">
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Eligible spend excludes cash advances, fees, balance transfers, cheques, refunds, interest or any other charge.</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Sterling currency includes transactions made in the <?php echo$sitecountry ?>, Jersey, Guernsey and Isle of Man, as well as transactions overseas where you choose to pay in Sterling rather than local currency.</li>
					</ul>
				</div>
			</div>
		</div>
	</div>
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						<a href="ways-we-can-help">Find your nearest <?php echo$shortname ?> Banking location</a>
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                                            <!--<p><a href="##">Industri Banking Group</a></p>-->
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                                    <div class="col-md-6 text-center"><?php echo$siteaddress ?><br>
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