Abstract-Using the metric actual diversity gain (ADG), diversity performance is investigated for a compact mobile terminal prototype with two internal, triple frequency band antennas in four different cases of user interaction. ADG is presented as a preferred alternative to apparent diversity gain and effective diversity gain. Absorption due to user proximity causes degradation and imbalance in mean effective gain of the antennas over the frequency bands, contributing to a degradation in diversity performance. However, user-induced changes in the antenna patterns cause a decrease in correlation in the low frequency band, which facilitates increased diversity gain. The study reveals that a significant net diversity gain, i.e., ADG of 5-8 dB compared to a single antenna prototype, can be achieved using multiband antennas in the proximity of a user, even at low frequencies for antennas with high mutual coupling.