From: Subject: BBA - British Bankers' Association - Code of conduct for the advertising of interest bearing accounts Date: Thu, 8 Nov 2007 15:45:22 -0000 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C8221E.5F86EB60" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C8221E.5F86EB60 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=135&a=261&view=print BBA - British Bankers' Association - Code of conduct = for the advertising of interest bearing accounts
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Printed from=20 = http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=3D135&a=3D261

Code of conduct for the advertising of interest bearing=20 accounts


31/01/2007

Guidance for banks and building societies

British Bankers' Association
The Building Societies = Association

Introduction

The Code of Conduct for the Advertising of Interest Bearing Accounts = (the=20 Code) has been in place since 1985. The Code is published jointly by the = British=20 Bankers' Association and The Building Societies Association. It is = recognised by=20 the Financial Services Authority and other bodies, such as the = Consumers'=20 Association and the Advertising Standards Authority (ASA), were = consulted on its=20 2003 content. This version updates all references and provides = additional=20 clarification but has not amended any areas of policy.

This guidance is designed to help with the implementation of the Code = and to=20 explain in more detail the thinking and practical application of the=20 requirements. It sets out the provisions of the Code (in italics) and, = where=20 necessary, each provision is followed by some background issues and the = BBA/ BSA=20 interpretation. This guidance is not intended to be a detailed rulebook = on how=20 to comply with the Code; it merely sets out the BBA/BSA interpretation = of it.=20 Banks and societies are free to reach their own conclusions on = interpretation=20 and, for that reason, this document is intended primarily for the use of = banks=20 and building societies and their professional advisers. However, a copy = of this=20 guidance has been sent to the Banking Code Standards Board, which is = responsible=20 for monitoring compliance with the Banking Code.

General

1. The terms of this Code apply to the advertising of all = interest=20 bearing accounts maintained within the United Kingdom by banks and = building=20 societies. For the purposes of this Code, the term "advertisement" = includes=20 press and broadcast advertisements, direct marketing, window displays, = posters,=20 brochures, leaflets, advertisements delivered by electronic means (eg = mobile=20 communications; the Internet) and automated teller machine displays. The = Code=20 does not apply to generic advertising or promotional material which does = not=20 advertise a specific interest bearing account or accounts.

The requirements of the Code are designed to apply as widely as = possible, to=20 everything that could be interpreted to be an advertisement designed to = sell a=20 specific service or product. However, the Code does not apply to simple=20 promotions, designed simply to raise brand awareness (for example, = promotional=20 gifts etc) or which merely list products, for example "we offer a range = of=20 products including an instant access account and a 30 day notice = account: ask=20 for details". Advertisements for accounts to be maintained outside the = UK,=20 including for example, the Channel Islands or the Isle of Man, do not = fall=20 within the scope of the Code, provided the advertisement makes it clear = that=20 they are to be maintained outside the UK. 'Interest bearing accounts' = includes=20 current accounts which pay interest on credit balances.

2. Advertisements must comply with the spirit and letter of = this=20 Code, the British Code of Advertising, Sales Promotion and Direct = Marketing, the=20 Radio Authority Advertising Code, the Independent Television Commission = Code on=20 Advertising Standards and Practice, the FSA Handbook and with all = relevant=20 legislation.

This merely confirms that the Code must be read and applied alongside = the=20 other codes and regulations, which set down general advertising = standards.=20 Advertising must also comply with the spirit of the Code to ensure that = the=20 intentions behind the Code are complied with.

3. Advertisers of interest bearing accounts must take care to = inform=20 potential customers of the nature of any commitment, including the type = of=20 deposit (eg whether it is a notice account or instant access) into which = they=20 may enter as a result of responding to an advertisement. Advertisers = should=20 ensure that all advertising and promotional material is clear, fair, = reasonable=20 and not misleading.

The requirement to inform customers of the nature of the commitment = applies=20 to all advertisements. However, more detail is required where customers = are=20 being invited to deposit money via a direct response advertisement. (See = sections 15 to 17 below) For other types of advertising, information on = the=20 nature of the commitment can be less detailed since the Banking Code (1) = requires more detailed information to be given before the customer opens = the=20 account (section 3 of the March 2005 edition of the Banking Code = refers).

The 14 day cooling-off period in The Banking Code should also be = borne in=20 mind (section 7.1 of the March 2005 edition refers) although the = cooling-off=20 period need not be referred to in the advertisement, unless it is a = direct=20 response advertisement. The requirement for advertising to be clear, = fair,=20 reasonable and not misleading is consistent with the Banking Code = (section 8.1=20 of the March 2005 edition refers).

4. The registered or business name (and - in the case of = press=20 advertisements, direct marketing, brochures and leaflets - the postal = address)=20 of the deposit-taking institution must be clearly stated.

This allows those institutions which do not use their registered name = in=20 advertising some flexibility. NB for web-based advertisements it is not=20 sufficient to give an email or website address (the Companies = (Registrar,=20 Languages & Trading) Regulations 2006 , requires that every company = should=20 list its registration number, place of registration and registered = office=20 address on its website). This does not apply to web-based banner = advertisements=20 which give a 'click-through' link to the advertiser's website and, as = such, may=20 be seen as an extension of the advertiser's website.

5. In advertisements in which an agent advertises = deposit-taking=20 facilities on behalf of a principal, or a principal indicates that it = will=20 accept deposits through an agent, it must be made clear which body is = the agent=20 and which is the principal.

This should ensure that, when dealing through an agent, the customer = knows=20 exactly the relationship and terms of business he is dealing with and,=20 therefore, who is providing any advice given.

6. The explanatory phrases and statements required by this = Code must=20 be clearly audible or legible as appropriate.

The Radio Authority and the Independent Television Commission issue=20 guidelines regarding legibility and audibility. The ASA's views on the = use of=20 small print should also be borne in mind. Their website, www.asa.org.uk, = contains details of relevant adjudications.

Statement of Interest Rates

7. Where interest rates are advertised, these must be = described as=20 follows:=20

  1. W% gross=20
  2. X% net=20
  3. Y% tax free and=20
  4. Z% Annual Equivalent Rate ("AER")
where:=20
  1. is the contractual rate of interest payable before the deduction = of income=20 tax at the rate specified by law (the "specified rate"); an = explanatory phrase=20 conveying this meaning must be used in conjunction with this = expression.=20
  2. b. is the rate of interest which would be payable after allowing = for the=20 deduction of income tax at the specified rate; an explanatory phrase = conveying=20 this meaning must be used in conjunction with this expression. The net = rate=20 may only be quoted where the gross rate is also given. Where both = gross and=20 net rates are given, only the net rate need be defined, provided the = meaning=20 of gross rate can be inferred.=20
  3. c. is the contractual rate of interest payable where interest is = exempt=20 from income tax. An explanatory phrase conveying this meaning must be = used in=20 conjunction with this expression.=20
  4. d. is a notional rate which illustrates the contractual interest = rate=20 (excluding any conditional bonus payable) as if paid and compounded on = an=20 annual basis. An explanatory phrase conveying this meaning must be = used in=20 conjunction with this expression. Any assumptions made in calculating = the rate=20 should be stated.

In the case of a table or list of rates, the words "gross", "net", = "tax free"=20 and "AER" as appropriate need not appear after each rate. However, it = must be=20 clear which term applies to which rate, for example, by the use of = column=20 headings or footnotes.

For the avoidance of doubt, it is worth emphasising that the = contractual=20 gross rate must be stated if the net rate is quoted, so that (b) can be = used=20 only where (a) is stated. Guidance on the calculation of the Annual = Equivalent=20 Rate (AER) is given in the Appendix to the Code at the end of this = guidance. The=20 AER should be quoted, in respect of the gross rate only, in every = advertisement=20 where an interest rate is quoted. This means that all advertisements = include one=20 rate which is capable of comparison across all advertisements, = regardless of=20 product provider and how interest is calculated and paid. The AER is a = truly=20 reflective rate, taking into account the frequency with which the = product has=20 interest paid or compounded. So, for example, if two products pay the = same=20 contractual rate of interest but one pays or compounds interest more = frequently=20 than the other, the account which pays or compounds interest more = frequently=20 will have a higher AER.

It is suggested that wording along the following lines should be used = (for=20 example, in leaflets, supporting wording of advertisements etc) to = explain the=20 AER -

"AER stands for Annual Equivalent Rate and illustrates what the = interest rate=20 would be if interest was paid and compounded once each year. [As every=20 advertisement for a savings product which quotes an interest rate will = contain=20 an AER, you will be able to compare more easily what return you can = expect from=20 your savings over time.]"

(The first sentence could be used alone to cut down length). The = explanation=20 of the AER, "gross", "net" or "tax free" need not be included in = television or=20 radio advertisements.

The final paragraph of this section puts beyond doubt the fact that = any=20 advertisement listing a series of rates, for example, when comparing=20 competitors' products, need only ensure that the appropriate term is = clear. This=20 applies the provisions of general notifications of rates (see Section = 13) to=20 advertisements.

Advertisements which do not quote a specific rate of interest, for = example,=20 which simply state that the rate will be x% below base rate, do not need = to=20 quote an AER. Specific guidance on the calculation of the AER is set out = in the=20 Appendix.

As far as money market deposits are concerned, it is recognised that = these=20 are largely traded in the corporate, wholesale and inter-bank markets, = and it is=20 not intended to extend the Code to those areas.

However, any advertisement for money market deposits (including time=20 deposits) aimed at people who may not be familiar with the money = markets, and=20 which quotes (i.e. offers) a specific rate, requires an AER to be = calculated and=20 quoted.

8. Advertisements which quote a rate of interest must quote = the=20 Annual Equivalent Rate and the contractual rate. No rate or return shall = be=20 given greater prominence than the AER. For illustrative purposes, = advertisements=20 may also include an AER including conditional bonuses. However, this = rate must=20 be given less prominence than the contractual rate and the true AER, and = must be=20 described as "AER including conditional bonuses". Where contractual = rates are=20 quoted on the basis of other than a 12 month period, this must be = clearly=20 stated. Where an interest rate is calculated on a basis other than = actual/365,=20 the basis should be stated and the AER should nonetheless be calculated = on an=20 actual/365 basis.

Actual/365 means that interest is calculated by taking the balance = multiplied=20 by the annual interest rate divided by 100, multiplied by the number of = calendar=20 days that the balance is held, divided by 365 in a normal year or by 365 = or 366=20 days in a leap year. If making an adjustment for AER purposes, the = divisor=20 should be 365 in all years.

Because the AER will be the one rate that customers will be able to = use to=20 compare all products, it must be given at least equal prominence as the=20 contractual rate (i.e. the gross or tax free rate). However, if the AER = is=20 exactly the same as the contractual rate, there is no need to quote the = same=20 rate twice =3D it is enough to state, for example, "5% gross/AER". = Conditional=20 bonuses (paid, for example, if the customer makes only a certain number = of=20 withdrawals each year) can only be included in the AER if the AER = without the=20 bonuses is also quoted and given greater prominence.

9. Advertisements which quote a rate of interest must contain = the=20 following specific information -=20

  1. the frequency of payment of interest;=20
  2. either -=20
    • a statement that the contractual rate of interest is fixed for = any=20 specified term; or=20
    • a statement that the interest rate is subject to = variation;
  3. the minimum amount which must be deposited to achieve the = advertised rate=20 of interest.

This provides that, if a rate of interest is quoted in an = advertisement, the=20 advertisement must also state how often interest will be paid (for = example,=20 monthly, annually or after five years); whether the interest is fixed or = variable (if fixed, the term must be stated); and any minimum deposit = necessary.=20 The Code does not require this information to be contained in any = particular=20 part of the advertisement. However, institutions should take care to = ensure, in=20 respect of printed advertisements, that any footnotes are clear and = legible and=20 meet the Advertising Standards Authority's legibility requirements.

10. Advertisements should not quote a return which includes = all or=20 part of the original investment.

It is not acceptable for advertisements to state, for example, "110% = return"=20 where this means that the customer gets their original investment back = with a=20 10% return. This is a new provision in the Code and brings it into line = with ASA=20 requirements and FSA rules [FSA rule 3.8.7 (G) (5) refers].

11.=20

  1. Accounts which advertise a bonus rate of interest, payable for a = specific=20 period, must ensure that the duration of the bonus is clearly stated = in the=20 main part of the advertisement=20
  2. The terms which apply to the payment of any other bonus must be = clearly=20 stated.

This provision ensures that bonuses are explained clearly. The = duration of=20 that bonus rate must be clearly stated in the main part of the = advertisement,=20 and not in the footnotes. Similarly, the terms which apply to the = payment of a=20 bonus (for example, bonus of 2% paid if no withdrawals are made during = the year)=20 must be stated clearly, although not necessarily in the main part of the = advertisement.

If the level of bonus payable may be subject to change this should be = spelt=20 out clearly in the main part of the advertisement.

If a bonus rate is payable until a fixed date (for example, "payable = until 1=20 December 2003" and the product is launched on 1 May 2003), the AER will = change=20 over the period. The AER at the time of the product launch will be = higher than=20 that towards the end of the bonus period. This gives rise to scope for = the AER=20 to be misleading if it is not recalculated on a regular basis. It is = not,=20 therefore, enough for advertisements simply to state in the supporting = wording=20 the date of calculation of the AER. Instead, AERs on such accounts = should be=20 recalculated on a monthly basis. This means that posters and leaflets, = as well=20 as newspaper advertisements etc, need to be changed monthly, if such = accounts=20 are being advertised.

12. Advertisements quoting a rate of interest or return which = are=20 intended for media or direct mail must contain a suitable qualification, = such as=20 2rates correct at date of going to press", and must state that=20 date.

This acknowledges that some advertisements, eg for magazines, have = quite long=20 copy dates and that there is the chance that rates could change in the = meantime.=20 The requirement applies to the advertiser's own interest rate and to=20 competitors' interest rates where these are quoted for comparative = purposes. The=20 date the information was correct should be quoted eg "all financial = information=20 was correct at x/y/z (date)".

Notices of Rates

13.A general notice to customers of rates need only comply = with=20 paragraphs 7 and 8 of the Code. In the case of such notices or lists, = the words=20 "gross", "net", "tax free" and "AER" as appropriate need not appear = after each=20 rate. However, it must be clear from the whole of the notice or list = which term=20 applies to which rate, for example, by the use of column headings or=20 footnotes.

This means that general notices of rates, for example, as required by = section=20 4.6 of The Banking Code, March 2005 edition and which generally are not=20 inherently designed to sell products but to inform customers of rates, = need=20 comply only with paragraphs 7 and 8 of this Code.

"Instant Access"

14.=20

  1. An account may not be described as having instant access or = "immediate=20 withdrawal" or any similar statement where withdrawal must be other = than by=20 cash.=20
  2. b. Any conditions attached to 'instant' or 'immediate' (or any = other=20 similar statement) withdrawal, for example if-=20
    • the number of withdrawals that may be made without transactional = charges, loss of interest, loss of bonus or any similar charge being = made,=20 is limited=20
    • the amount of cash that can be withdrawn in a transaction is = limited by=20 the account should be clearly stated in the main part of the=20 advertisement.

These provisions were added to the Code as a result of the = Advertising=20 Standards Authority's decision regarding the use of the words "instant = access".=20 "Instant access" and any similar wording should be used only where it is = possible to make cash withdrawals (without charge), whether in a branch = or via=20 an ATM. Accounts which do not offer this facility should not be = described as=20 "instant access". Accounts which themselves do not have the facility to = withdraw=20 cash, but which allow immediate real-time transfers to a side account = from which=20 cash may be withdrawn are also acceptable. The BBA and BSA have both = recommended=20 that, to avoid confusion, accounts should not have "instant access" in = their=20 titles if they do not actually offer instant access.

However, it is possible to describe an account as having "instant = access",=20 where the number of withdrawals that may be made is limited for good = reason. For=20 example, it would be within the spirit of 14(b) to limit the number of=20 withdrawals on a savings account to ensure that it was not used as a = money=20 transmission account, but it would not be appropriate to limit = withdrawals too=20 tightly. The ASA has indicated that each case would be looked at on its = own=20 merits. Any restrictions and charges (howsoever calculated and = described) must=20 be stated in the main part of the advertisement and not in the = supporting=20 text.

If the terms of the product limit the amount of cash that can be = withdrawn in=20 a single transaction, that must be clearly stated in the main part of = the=20 advert, together with the amount of the limit. Again, as with paragraph = 14(a),=20 this refers to a particular limitation on the product itself, and not to = a=20 general floor limit imposed by the institution across the board, for = example,=20 for security or other practical reasons.

Direct Response

15. Advertisements which invite deposits by immediate = response (eg by=20 coupon or website application form) must=20

  1. Include the full terms and conditions or state that they are = available on=20 request;=20
  2. Clearly state in the part of the advertisement to be retained by = the=20 consumer a full postal address at which the advertiser can be = contacted during=20 normal business hours and the description and details of the = advertised=20 product including the information required by this Code.

This section applies only to direct response advertisements. For = other=20 advertisements, the information required under section 15(a) is not = required to=20 be given in the advertisement but should be provided to the customer = prior to=20 account opening, under Sections 3 of the Banking Code and the Business = Banking=20 Code (March 2005 editions). NB the ASA requires a full company name and = full=20 geographical address to be given in the part of the advertisement = retained by=20 the consumer. A post office-box address is unlikely to be acceptable to=20 them.

16. In direct response advertisements a clear indication of = the type=20 of deposit must be given by including the following -=20

  1. A clear statement of the terms (if any) for any withdrawal or = transfer,=20 including -=20
    • the period of any notice required;=20
    • the amount of any charges which may be payable;=20
    • any limitation which the account imposes on the amount which may = be=20 withdrawn or transferred in a single transaction;=20
    • any limit on the number of withdrawals = permitted.

    This means that every direct response advertisement must contain = details=20 about any notice period required before a withdrawal can be made, any = charges=20 that might be payable (for example, if a charge is made for making a=20 withdrawal over the counter), and any maximum or minimum = withdrawal/transfer=20 applied to that particular deposit, for example, a minimum withdrawal = of =A3100=20 or a maximum of =A35,000. This information must be clear, but does not = necessarily have to be in the main part of the advertisement.

  2. b. Where payments are made other than by cash (for example, by = cheque or=20 bank giro credit to another account), this should be made clear, as = should the=20 number of working days payment will normally take.

    Again, although the information must be clear, it does not have to = be=20 included in the main part of the advertisement.

  3. For accounts which do not allow withdrawals even after notice, = without=20 forfeiting interest or bonuses or making any similar charge, the text = of the=20 main part of the advertisement must include a statement indicating = that, if a=20 withdrawal is made, the stated interest rate or return will not be=20 achieved.

    If, to make a withdrawal from the account, any form of charge, = however=20 calculated or specified (whether a set fee, a loss of interest or a = loss of a=20 conditional bonus payment), is made, that must be spelt out clearly in = the=20 main part of the advertisement. The effect of the charge should be = reflected=20 in the AER (see section A4 of the Appendix).

  4. The advertisement must state that compensation may be available = from the=20 Financial Services Compensation Scheme.=20
  5. Direct Response advertising of Cash Mini or TESSA-only Individual = Savings=20 Accounts

17. Direct response advertisements for cash ISAs must also = contain=20 the following information:=20

  1. If the ISA is stated as satisfying the minimum standard for the=20 deposit-based stakeholder product, a comparison of the account against = the=20 stakeholder standards, or if the ISA is not stated as satisfying the = minimum=20 standards for the deposit- based stakeholder product, a statement = making this=20 clear. See the guidance to Banking Code section 3.3=20
  2. a statement making it clear that the ISA is a mini ISA agreement = and, and=20 an explanation of the differences between a mini and a maxiISA = agreement.=20
  3. The minimum amount needed to open the account.=20
  4. The maximum yearly deposit (not applicable for a TESSA-only ISA).=20
  5. The interest rate earned and if and how it might vary.=20
  6. How the interest will be calculated (e.g. daily, monthly or = annually and=20 when it will be added to the account).=20
  7. How to make withdrawals and any limits.=20
  8. The arrangements for handling complaints.=20
  9. Where a customer can obtain further information about ISAs and , = if=20 applicable, other products within the firm's range.=20
  10. That the favourable tax treatment may not be maintained = (institutions may=20 wish to add that it is the government, not the institution, which is=20 responsible for the tax treatment).=20
  11. That the favourable tax treatment may not be maintained = (institutions may=20 wish to add that it is the government, not the institution, which is=20 responsible for the tax treatment).=20
  12. A warning that a mini and maxi ISA may not both be opened in the = same tax=20 year and that by opening a cash mini ISA, the customer will be = limiting the=20 amount of tax-free savings in equities that they can make, if they do = not=20 already have a mini stocks and shares or insurance ISA in that tax = year (not=20 applicable for a TESSA-only ISA). And=20
  13. The cooling-off period which will apply when the account is opened = (see=20 section 7.1 of The Banking Code, 2005 edition).=20
  14. Reference to the customer's rights under the Distance Marketing = Directive=20 (DMD). See Banking Code section 3.5

These requirements were introduced to ensure consistency in standards = between=20 the advertising of cash ISAs under this Code and under the rules of the = FSA. FSA=20 COB 3.9.8 R, 6.5.13 and 6.4.42 of the FSA's Conduct of Business. = Handbook.

Notes

(1) Except where inappropriate (e.g. in relation to cooling off in = Section 3=20 and the Distance Marketing Directive in Section 17) all references in = this code=20 to the Banking Code apply equally to the Business Banking Code.

Related Links

= Calculation=20 of the Annual Equivalent Rate (AER) (Internal=20 Link)
127255 (PDF)=20

=A9 1998-2007 British Bankers' Association & BBA = Enterprises Ltd. All=20 rights reserved.
For permission to copy please contact BBA Publication = Unit.
Any=20 reproduction, republication, transmission or reuse in whole or = part=20 requires our consent.

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.omstitle { FONT-WEIGHT: bold; FONT-SIZE: 12px; VERTICAL-ALIGN: top; COLOR: = #000000; FONT-FAMILY: Arial,Helvetica } .omsSubText { PADDING-LEFT: 5px; FONT-SIZE: 11px; VERTICAL-ALIGN: top; COLOR: = #000000; FONT-FAMILY: Arial,Helvetica } .omstxt { FONT-SIZE: 9px; VERTICAL-ALIGN: top; COLOR: #000000; FONT-FAMILY: = Arial,Helvetica } .omstxt2 { FONT-WEIGHT: bold; FONT-SIZE: 12px; VERTICAL-ALIGN: top; COLOR: = #000000; FONT-FAMILY: Arial,Helvetica } .omstxt3 { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; FONT-WEIGHT: bold; FONT-SIZE: = 12px; PADDING-BOTTOM: 5px; VERTICAL-ALIGN: top; COLOR: #000000; = PADDING-TOP: 5px; FONT-FAMILY: Arial,Helvetica } .omsObjtxt { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; = PADDING-TOP: 5px } .omsbluetxt { FONT-WEIGHT: bold; COLOR: #333397 } .whitetxt { FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: #ffffff; BACKGROUND-COLOR: = #333399 } .oms_colorA { BACKGROUND-COLOR: #ffffff } .oms_colorB { BACKGROUND-COLOR: #ffffff } .oms_colorObj { COLOR: #ffffff; BACKGROUND-COLOR: #ffffff } .omsgreen { BACKGROUND-COLOR: #ffffff } .omspadding { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; = PADDING-TOP: 5px } .poll1 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color1.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll2 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color2.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll3 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color3.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll4 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color4.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll5 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color5.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll6 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color6.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll7 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color7.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll8 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color8.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll9 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color9.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } .poll10 { BACKGROUND-POSITION: 50% top; BACKGROUND-IMAGE: = url(/bbaimages/color10.jpg); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #ffffff } ------=_NextPart_000_0000_01C8221E.5F86EB60--