our-business-working-for-your-business

Our business working for your business Together we can work to make a difference

Our businesses Everything from ethical banking and online shopping to prescriptions and great value local food The Co-operative Group is a unique family of businesses wholly owned by its members and together we each have a say in how these businesses are run. With an annual turnover of over £13billion, we employ more than 102,000 people and operate over 5,000 trading outlets. Our values influence the products and services of each of these businesses, showing that good quality products and value don’t have to come at the expense of honesty and social responsibility. Ethical trading is what we are about.

What we do: We have over 5,000 stores and branches offering everything from ethical banking to great value local shopping. The Co-operative can help with everything from advice on your next holiday to collecting your prescriptions, or simply ensuring that you get a great deal locally on all your food essentials. And nowadays we’re not just on your high street – visit us online for legal services, community healthcare services, insurance, great value electricals and internet banking.

Our business services: As a business partner or supplier to The Co-operative, you make a contribution to what makes us such a unique and successful organisation. As you’re familiar with parts of us, you know we’re co-operative and ethical.

But, like many of our partners, perhaps you don’t realise the extent of the services we offer, and just how good they could be for your business.

Take a look through the enclosed inserts to learn more about the services we can provide, or to find out more about our organisation, call into any of our businesses or visit us online at www.co-operative.coop

We are the UK’s leading provider of bereavement services With over 100 years experience we possess unrivalled knowledge of the highly specialised field of bereavement services and have over 900 funeral homes, crematoria and woodland burial grounds operate across the UK. We are therefore ideally placed to provide a comprehensive range of bereavement service solutions to your business.

We have become the country’s leading provider because of the high quality of care we offer, care that’s delivered by our people working at a local level, who are backed by the resources and expertise of The Co-operative Group – the largest consumer co-operative in the world owned and controlled by our members.

Grenoside Crematorium, Sheffield

We possess unrivalled knowledge We carry out over 100,000 funerals per year, so in choosing The Co-operative Funeralcare, you will be dealing with an organisation which possesses unrivalled knowledge of bereavement – knowledge which can be used to meet the widest possible range of requirements.

A range of services We have the flexibility to work with partners in a number of different ways with the range of services that we offer.

• Building, and developing, managing crematoria and woodland burial grounds.

• We can assist insurance and medical assistance companies with worldwide repatriation.

• Bereavement services including mortuary provision for hospitals.

We understand tomorrow’s challenges With our extensive expertise we understand the many challenges in providing bereavement services now and in the future – including limited resources and capital, the need to comply with legislative demands, advancing technology and diverse cultural requirements.

We have a dedicated team The services which we provide are underpinned by an experienced senior management team backed by an extensive network of staff who are dedicated to managing, innovating and improving the level of service we offer to the bereaved.

To find out more please contact: Peter Bates Senior Commercial Manager Tel: 0161 202 8116 Email: peter.bates@co-operative.coop

www.co-operativefuneralcare.co.uk

Life Planning Solutions Meet the needs of your over 50s customers and generate extra income.

There are 21 million people aged over 50 in the UK (that’s 1 in 3), and that number is growing fast. The Co-operative Life Planning provides a range of market-leading life planning solutions designed to meet their needs whilst helping you benefit from the huge potential of this market.

• Access to simple and affordable products that meet customers’ needs • Earn a greater share of customers’ wallet • Increase retention and loyalty • Re-engage customers with whom you don’t have an active relationship • Create cross-sale opportunities

life planning

Life Planning Products We can give you access to a range of life planning products that meet customers’ needs through a variety of distribution channels.

Funeral Plans – Income from a product with high retention levels Customer Benefits: • • •

Provides emotional peace of mind and reduces the financial burden on those left behind Protection against rising funeral costs Wide choice of funeral plans and payment options

Funeral Option on over 50’s life insurance – Generate additional income and retention Customer Benefits: • • •

Peace of mind by making financial provision towards a funeral A £250 contribution towards the cost of their Co-operative Funeralcare funeral Can record personal funeral requests to make things easier for loved ones

Wills and Probate (from The Co-operative Legal Services*) – Receive commission on sale and any subsequent estate administration Customer Benefits: • •

Full range of Will writing services, including storage and ongoing support Fixed fee probate and estate administration service

Free advice when a loved one dies (from The Co-operative Legal Services*) – Enhanced service to customers, commission potential and possible operational efficiencies Customer Benefits: •

Free bereavement advice – on everything from what to do with the deceased’s car insurance to probate and estate administration

*Co-operative Legal Services Limited is authorised and regulated by the Solicitors Regulation Aurority under registration number 567391.

Sales Channels and Partnerships

Market Leaders Customers buy products with proven success: • • • •

We are the market leaders in funeral planning and funeral provision The Co-operative Life Planning sold over 70,000 funeral planning products in 2010 The Co-operative is known and trusted We offer affordable options through a channel of the customer’s choice

With our expertise we can help you tailor products to suit your customer base. Our products can be sold through a range of distribution channels, including: • • • •

Direct marketing – direct mail, telephony, inserts Point of sale – in-branch, in-store Online – quote and purchase Face-to-face – non-regulated staff and financial advisers

We’ll help you identify the best products and the best channels for you and your customers.

We sell our funeral planning products through partnerships with numerous companies, including: AXA Sun Life Direct, engage Mutual Assurance, PruProtect, Newcastle Building Society and West Brom Building Society.

For further information, please contact: Helen Chandler, Senior Business Development Manager (Funeralcare) helen.chandler@letsco-operate.com / 07710 195595

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

life planning

An expanding force in community healthcare The Co-operative Pharmacy is a leading force in community healthcare, with nearly 800 branches in England, Wales, Scotland and Northern Ireland. We are the 3rd largest national chain in the UK and the largest in Wales. With a presence in high street, villages, towns and health centres; we are servicing the health needs of our local communities.

Our network of branches offers the traditional dispensing and prescriptions services, with health advice and information available for all of our customers and patients.

Working in Partnership The Co-operative Pharmacy is one of the largest pharmacy chains in the UK, and we place a great deal of emphasis on delivering to our partners. We have a clear understanding of our local communities and what really matters to people we work with, from doctors to patients, Primary Care Organisations and private health care businesses. Our co-operative approach ensures we deliver real benefits, making us your partner of choice.

Committed As healthcare professionals we are committed to help deliver ‘at need services’ in local communities. We are ideally placed to see patients with acute minor ailments to alleviate pressure on GP’s time, allowing them to spend more time with patients that really need your help.

We are committed to ensure our branch colleagues are accredited to deliver the services commissioned. We have a dedicated service team that can work with PCO’s to drive services in your local area.

Tailored Service The Co-operative Pharmacy offer products and services that can deliver both services and increased patient experience to both private and NHS healthcare organisations including; Nursing homes, Care homes, Community and Sheltered housing and Mental Health Trusts.

The services offered are efficient and professional, with packages including; • Dispensing of medication • Delivery of medication • monitored dosage systems • Wholesale supply of dressings and appliances • incontinence products.

Prescription dispensing to institutions, such as prisons and hospitals are also benefiting from working in partnership with The Co-operative Pharmacy in fulfilling dispensing their medication for inmates/patients and also including releasing financial savings through VAT release on drug spends.

Our innovative Outpatient Dispensing services in hospitals have reported, excellent operational ability, great partnerships with the Trusts, increased patient experience and excellent patient feedback and realised substantial financial benefits.

Support The Co-operative Pharmacy can work in conjunction with community Drug Teams to ensure any concerns and feedback can be given quickly and effectively to those working with patients. We do not ask our drug misuse clients to sign a contract and work with local Community Drugs Teams to ensure clients are cared for.

Private Organisations The Co-operative Pharmacy can provide a bespoke tailored services to private organisations, that want to provide healthcare advice and services to their employees, even in their place of work, this can include; • Flu Vaccination programme • Health checks • Stop smoking service With the direction of an innovative and dynamic pharmacy business team, and sound knowledge and expertise, The Co-operative Pharmacy will deliver strong and reliable business partnerships.

To find out more please contact: Fiona Caplan-Dean, Business Development Tel: 07841 076769 Email: fiona.caplan-dean@coop.co.uk To find out more, call into any of our branches or visit us online at www.pharmacy.co.uk

Working as one with your business The Co-operative Bank has the knowledge, credentials and expertise to provide a comprehensive portfolio of corporate banking services from day to day banking services through to more complex funding requirements. Our corporate customers include a wide cross-section of businesses and organisations from manufacturing and service companies, to property developers/investors to major international charities, local authority organisations and renewable energy providers.

Our corporate banking services are delivered at a local level through our UK network of Corporate Banking Centres, where our teams of experienced corporate banking specialists are on hand to meet the financial needs of their customers. The quality of our relationship management and support teams sets us apart from our competitors.

The growth of our corporate banking division is testament to the success of our customer focused approach.

(Left to right) Steven Wetherby, Managing Director with Brian O’ Donnell, Finance Director, both from Hill Biscuits, and Paula Brown, Corporate Manager at The Co-operative Bank.

Why choose The Co-operative Bank?

Reason 1: We offer the full range of financial solutions you would expect from any corporate banking partner and can provide solutions to meet even the most complex funding requirements.

Reason 2: Our solutions are delivered via a UK network of corporate banking centres, and through specialist sector teams including charities, property, public sector, renewable energy and social housing.

Reason 3: We are committed to providing the highest standards of service. All our customers are provided with a dedicated Relationship Manager who can provide expert guidance and advice.

Reason 4: We have a prudent and consistent lending policy, a sound liquidity position and a strong balance sheet. These were key factors in us being voted ‘Europe’s Most Sustainable Bank’ at the prestigious Financial Times Sustainable Bank of the Year Awards 2012.

Reason 5: The Co-operative Bank has long been at the forefront of responsible business practice. As part of The Co-operative Group, we’re led by our principles, not the stock market, and use our profits to benefit customers and members, not shareholders. Plus, we’re still the only UK high street bank with a published ethical policy.

Full Corporate Banking Solutions We offer a full range of corporate banking solutions including: • Current accounts • Deposit accounts • Electronic & internet banking • Lending solutions from business loans to cards to more complex acquisition finance • Treasury services • Payment collection • International payments To locate your nearest corporate banking centre and to discuss your requirements please call 0800 587 2864 or visit www.co-operativebank.co.uk/corporate The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Lending Code and the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110). The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Calls may be monitored or recorded for security and training purposes.

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

The Co-operative Electrical Business Services At The Co-operative Electrical Business Services we recognise the need to work in partnership with you to identify your special requirements, maintain an excellent level of service and offer you competitive pricing.

From single items to large quantity orders, The Co-operative Electrical Business Services are able to process any type or size of order.

Our comprehensive range of products ensure we can meet all your ordering needs, and your Personal Account Manager will assist you with a bespoke service on the more complex orders.

Why Choose The Co-operative Electrical Business Services?

A competitive pricing policy is only part of what we offer you. We also demonstrate our commitment to environmental issues in everything we do, with a measurable record in reducing our carbon footprint.

Competitive pricing We have developed strong working relationships with our suppliers and our electrical buying power of over £150M ensures we can offer you the best value for money quote.

Fast, efficient delivery Instant delivery dates, 90 minute delivery slots provided by e-mail and text message, free removal of disconnected appliances, free removal of all packaging.

Comprehensive range of products • White Goods • Small Domestic Appliances & Vacuum Cleaners • Audio & Vision • IT • Photographic and if we don’t stock something you require, your Account Manager will work with our buyers to source products on your behalf.

Excellent customer service We pride ourselves on the excellence of service we offer our customers, and whether you are placing an order or have an after sales issue, you will receive the highest level of dedication from our team.

Corporate and social responsibility Our business has a long history of working with communities, and this remains a primary philosophy within our business to this day.

The Co-operative Electrical Business Services demonstrates this with its exclusive scheme for financially excluded individuals in conjunction with community led groups such as Credit Unions and charities.

Working with you Because we don’t subscribe to a ‘One size fits all’ mentality, we encourage our Account Managers to work with our customers to tailor our offering to reduce leakage and costs, and improve customer satisfaction. This rewarding approach means that we are continually improving our service to meet the demands of a challenging sector.

A business you can trust!

“The Co-operative group is a first class business.

They operate in a professional manner and have a dedicated group of employees working for them.

The relationship Samsung Electronics has with the group is excellent and continues to develop” Rob Whitaker, Samsung Channel Manager

Ethical trading policies As part of The Co-operative Group we are committed to ethical trading and our Food business was one of the pioneers of Fair Trade products.

For more information on how The Co-operative Electrical Business Services could help your business, contact David Sanderson, Commercial Manager on: Telephone: 0161 8297884 Mobile: 07545 210485 Fax: 0870 8897306 Email: david.sanderson@coop.co.uk

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

Co-operative Energy Consortium The Co-operative Group have an extensive and mixed property portfolio which brings with it a vast energy requirement.

We currently buy nearly 1% of the UK’s total energy consumption.

We have a team of in house energy experts who manage this requirement, ensuring we buy at the best possible price and validate our many thousands of bills every month to engineers and energy managers who are responsible for reducing and minimising our utility consumption. All of the electricity that we buy is from renewable sources with a large proportion supplied by our own wind farms and other renewables projects that are managed by the Co-operative Group.

With this vast in house expertise and an award winning team of the most highly regarded energy exerts in the industry, some 10 years ago, the Co-operative Group started to offer an energy management service to other Co-operative societies: the Co-operative Energy Consortium. As energy markets have changed dramatically over the last 10 years, so has the structure of and services offered by the Consortium.

What started as an arrangement to assist independent co-operative societies has now grown in to one the UK’s largest energy buying groups. We are now able to offer energy procurement, risk management, carbon reduction, bill validation and CRC management services to a range of organisations that are all aligned to our core business values.

We can now list a range of charities, NGO’s, suppliers and other businesses connected to the Group amongst our customers.

If you would like to discuss how the Co-operative Energy Consortium can offer you a new perspective on the energy markets and a fresh approach to managing your utility requirements then please contact one of our expert team: Martin Garry – martin.garry@co-operative.coop Katie Hague – Katie.hague@co-operative.coop

Adding professional legal services to your business is easier than you think.

We are dedicated to widening and easing public access to legal services and offer a welcome alternative to traditional law firms and solicitors. This means that you get a legal services partner who operates in a more business and consumer-friendly way than might be expected from traditional legal practices.

And because The Co-operative Legal Services is part of a ÂŁ13.7 billion family of businesses, our stability and resourcing are exceptionally strong.

Why choose us Participating in a successful partnership Working with The Co-operative Legal Services offers the opportunity to build a successful partnership as well as long term growth and value. Our partnership would provide: • Significant revenue opportunities • Increased customer loyalty – Improving both the customer journey and customer satisfaction – Driving retention and ongoing loyalty • A range of tailored services – Innovative approach to delivering added value solutions – Tailored to your needs • Skilled staff dedicated to providing high levels of customer satisfaction Our services would provide your customers with: • Expert advice and support – available on a range of legal services • Help at a vulnerable and distressing time – Information provided clearly and concisely – Timely progression of cases and issues – Transparency with our fees – Convenient access to professional assistance – Telephone based

– Opening hours designed to suit your customers needs • Specialist legal teams – Specialists employed to provide required levels of expertise Part of a known, trusted and financially stable brand With The Co-operative Legal Services you benefit from: • Additional revenue streams • Long term business growth and value • Highly trained and motivated staff • Market leading service levels • Effective use of technology to drive innovation • Strong account management Customer focused legal services With The Co-operative Legal Services, you can offer a strong range of professional legal services to meet the legal needs of your customers. We already successfully provide the following services on a nationwide basis: • Accident Management • Personal Injury • Probate and Estate Administration • Will Writing • Family Law • Employment Law • Conveyancing • Legal Advice

Lyndsey Swift. Sales & Marketing. Tel: 07753 929751 email: lyndsey.swift@theco-operativelegal.co.uk www.co-operative.coop/legalservices Co-operative Legal Services Limited is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. A list of the Directors is available for inspection at our Registered Office. The Co-operative Legal Services is a trading name of Co-operative Legal Services Limited.

Registered Office: Co-operative Legal Services Limited, 1 Angel Square, Manchester M60 0AG. Registered in England and Wales under Company Number: 05671209. In Scotland and Northern Ireland different laws apply and The Co-operative Legal Services will refer you to one of our approved panel of solicitors who will act on your behalf. Our road traffic accident personal injury service in England and Wales is provided by Co-operative Legal Services Limited. All other personal injury services in England and Wales are provided by an approved panel. Calls to 0844 numbers will cost no more than 5p a minute for BT customers. Calls from other networks may vary. Terms and Conditions apply and are available on request.

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

Delivering comprehensive, personal & impartial service The Co-operative Travel Management service ethos • Client focused – we work with you to gain an in-depth understanding of your business, what your travellers and travel bookers need in order to ensure that our business travel service exceeds your expectations • Immediate, continuous cost savings • Best practice, driven by our ISO: 9001 Quality Assurance compliance • Seamless integration of each element of the travel procurement process into your company ethos, processes and procedures • Accurate, meaningful Management Information customised to what is important to your business • Proactive Account Management • A choice of fully managed or on-line service options. We combine the significant cost benefits that automation brings with the cost-efficiencies that our expert teams deliver, day in, day out • Surety and continuity of service

travel management

More and more businesses are entrusting us to cost-effectively manage their corporate travel, leaving them free to focus on their business and their clients.

A dedicated, personalised business travel service from an experienced team provides a professional, innovative service to support your travel management needs.

The Co-operative Travel Management is a unique, independent, full-service corporate travel management company. The strength and reputation of our company has grown substantially over the last 25 years and our continued growth is a result of our commitment to offer all our clients the highest level of service and expertise whilst delivering flexible, innovative and cost-efficient business travel solutions.

We have excellent working relationships with all leading travel partners, and use our extensive purchasing capability and the latest technology to ensure that we always offer the best fares possible to generate real business benefit.

We understand that every client wants a bespoke business travel programme, which is why we offer a comprehensive range of services from air, rail and hotel reservations to airport parking and transfers, 24 hour world-wide emergency service and VIP travel to group travel bookings.

25 years of experience and still growing • We have an excellent reputation and a commitment to offer all our clients the highest level of service and expertise • We deliver flexible, innovative and cost-efficient business travel solutions Travel solutions to suit your business • Excellent relationships with travel partners • Extensive purchasing capability along with the latest travel technology solutions • Ensuring that we always offer the best fares to generate real business benefit • We provide customised management reporting and data for total visibility of your business travel related expenditure

Bespoke business travel programmes are our speciality We offer a comprehensive range of services: • Air, rail and hotel reservations • Airport parking and transfers • 24 hour world-wide emergency service • VIP travel • Group travel bookings For further information, please contact: Jo Strange on 07860 945611 or jo.strange@co-operativetm.co.uk or visit www.co-operativetm.co.uk

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

travel management

Business Insurance Ensuring it’s business as usual In focus: business insurance Having the right insurance is critical to securing the future of your business. Business Insurance from The Co-operative Insurance is designed around your specific needs, so you can be sure that if the worst does happen and you need to make a claim, your business will be fully protected.

Designed to deliver At The Co-operative Insurance we have experience of providing cover for organisations of all sizes, across a range of sectors, so whatever the nature of your business we can offer an insurance solution to fit.

Our team of specialists will work closely with you to understand your needs and build a bespoke insurance solution from our market leading range of flexible commercial combined products.

Making a claim We are committed to offering you the highest levels of service throughout all stages of the claims process. If you need to make a claim we will make it our priority to get you back to business as quickly as possible, including visiting your premises to assess the damage, authorising repairs and organising for appropriate help from our network of approved suppliers. There are no claim forms to fill in – we’ll do all that for you – and any work carried out by our suppliers is guaranteed for 12 months.

The benefits of our Business Insurance include: • A choice of cover – designed to meet the specific needs of your business • A 24 hour freephone claims line – you can contact us any time of day or night via our free claims line, email, fax or online • 24 hour legal and tax advice – our legal experts can advise on any UK legal or tax matter free of charge (all you pay for is the call).

A trusted partner As well as knowing you’ve got the right insurance cover at the right price, with our Business Insurance you can also trust us to deliver what we promise.

As part of The Co-operative family of businesses, we have a strong financial and ethical position from which we deliver a wide range of insurance, banking and investment services. So with our Business Insurance you can be confident your business is in safe hands.

Talk to our Business Insurance Team – 0161 903 4203 Lines are open 9am-5pm Mon-Fri www.co-operativeinsurance.co.uk/business Please call 08457 654 654 if you would like to receive this information in an alternative format such as large print or Braille.

The Co-operative Insurance is a brand name used by CIS General Insurance Limited. CIS General Insurance Limited is authorised and regulated by the Financial Services Authority. Registered Office: Miller Street, Manchester M60 0AL. Registered in England number 29999R. Co-operative Financial Services Limited, Registered Office: New Century House, Manchester M60 4ES. Registered Number IP29379R. Calls may be monitored or recorded for security and training purposes. For BT customers, calls to 0800 numbers are free, calls to 0845 numbers will cost no more than 4p per minute.

Call charges from other companies may vary and you may want to check this with your service provider.

To find out more, call into any of our businesses or visit us online at www.co-operative.coop

SSG

Your strategic partner

Sunwin Services Group

Sunwin Services Group – Flexible, Cost-effective, Innovative.

Our extensive service offerings are the result of building strong business connections, based on trust and transparency, combined with the experience and expertise to deliver solutions that are second to none. As the current provider of a diverse range of security services we can offer an extremely wide choice of services from which you can pick those which suit you.

Managed Security Whatever your type of business or premises, we have the personnel, expertise and organisation to provide a truly integrated, consistent, cost-effective security service.

Sunwin has created a service that seeks to offer considerably more than the traditional security firms in the market, from the manner in which our officers are supported, mentored and developed through to the way in which they are patrolling your perimeters or simply holding your keys for you when you go home.

• • • • • •

Professional Security Guarding Security Inspections Personnel Vetting Services Key Holding and Alarm Response National Control Room services SIA ACS accredited for manned guarding and key-holding services

Cash & Valuables in Transit Moving your money to make money. As long as takings are outside the banking system they’re costing your business money. That’s why the Sunwin range of Cash Management services has been developed to move your money speedily, efficiently and securely.

• • • • •

Secure, speedy cash collection and processing ATM management, maintenance and replenishment SIA licensed NSI Gold to BS EN ISO 9001 2008 Cash Services BSIA Members

To find out more about our range of business services: Tel: 0800 9809911 Fax: 01274 377347 Email: enquiries@sunwin.co.uk

To find out more, call into any of our businesses or visit us online at www.sunwinservicesgroup.co.uk

To find out more, call into any of our businesses or visit us online at www.co-operative.coop