Packed with all you need to make the most of your studies

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1 1 z :07 LLOYDS BANK CURRENT ACCOUNT Packed with all you need to make the most of your studies Planned Overdraft You can apply for an interest and fee-free tiered Planned Overdraft of up to 1,500. In your first year of study you could get up to 500 for the first six months, and then ask us to increase it to 1,000 in months seven to nine. From month 10 until the end of your third year you can ask for another increase to 1,500. If you re studying on a course that is longer than three years, you can request to increase it to 2,000 from year four onwards, should you need it. Student credit card You can also apply for a Lloyds Bank Student credit card, with a credit limit of at least 500, to help you spread costs for large purchases. Representative 19.9% APR (variable). Free everyday banking Eligibility criteria To apply for a Lloyds Bank Student Account you must be 17 or over, have been a resident in the UK for at least three years and be studying for a full-time course that lasts for a minimum of two years or be on a one year access course leading onto a full-time degree. International students If you don t meet the eligibility criteria for a Lloyds Bank Student Account you may be eligible for our Classic Account or another one of our Lloyds Bank current accounts. Overdrafts and credit cards To apply for a Planned Overdraft or Lloyds Bank Student credit card, you must be 18 or over. All overdrafts are subject to our assessment of your circumstances and are repayable on demand. Stay in credit and you won t have to

2 2 z :07 pay monthly fees. Bank your way with Internet Banking, Telephone Banking, Mobile Banking, in-branch, and also get free Text Alerts. Representative example: If you use a Planned Overdraft of 1,800 in your second year the overdraft interest rate we will charge on the first 1,500 will be 0% EAR variable and a monthly overdraft usage fee will not apply. The overdraft interest rate on the next 300 will be 8.21% EAR variable and a monthly overdraft usage fee of 6 will apply. Planned Overdraft Setting up a Planned Overdraft is free. In your first year, you can apply for a Planned Overdraft where there is an interest and fee-free amount of up to: 500 for the first 6 months, 1,000 from month 7, 1,500 from month 10, In your second and third year, your Planned Overdraft can be up to 1,500 In your fourth year and above, your Planned Overdraft can be up to 2,000 You can find all the information you need about Planned Overdrafts for students in our Student Account welcome pack (PDF, 1.7 MB) All applications are subject to a review of your personal circumstances. Debit card You can withdraw up to 500 a day from a Lloyds Bank Cashpoint or other cash machines. You can use your Visa debit card in over 500,000 locations in the UK and 27 million worldwide.

3 3 z :07 Banking your way Quick, easy ways other than in branch to manage your money 24 hours a day, 7 days a week, online or on the phone with Internet Banking, PhoneBank and Mobile Banking. Everyday Offers Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It s available to UK personal current account customers over 18, who bank online. Retailer offers and cashback amounts may vary. Text Alerts Sign up for our Text Alerts, which can help you keep track of your finances. Limit Alerts tell you if you're near to or over your account limit. You can also get Balance Alerts that let you know when your balance is above or below a level set by you. Save the Change Register for Save the Change and make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound, and the difference transferred to an eligible Lloyds Bank savings account. Money Manager Keep track of your spending and see at a glance where your money goes with our free Internet Banking service. Switching with us We can move your current account to a Lloyds Bank Student Account in just seven working days. Your standing orders and Direct Debits will be automatically transferred to your new account. All you have to do is let us know the date you want to be switched and provide details

4 4 z :07 of the account you want to switch from. Current accounts and services are offered subject to your status. They are available only to personal customers who are aged over 18, are resident in the UK, and are either an EU national or have permission to stay in the UK for at least 12 months. By phone Call us on to make an appointment at your local branch. Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm. In-branch Pop into any Lloyds Bank branch and our staff will be happy to help. You ll need to bring your UCAS confirmation letter or a letter from your university or college confirming your place. If you aren t already a Lloyds Bank current account holder, you ll also need to bring your ID, such as a passport or driving licence, and proof of address, such as a utility bill (not a mobile phone bill) that s dated within the last three months. Find your nearest branch You can apply for a Lloyds Bank Student Account if: you re aged 17 or older you ve been a UK resident for at least 3 years you re studying full-time on an eligible course of at least two

5 5 z :07 years' duration, or a one-year full-time access course leading to a degree. International students Choosing the right account for you To apply for a Lloyds Bank Student Account you must be 17 or over, have been a resident in the UK for at least three years and be studying for a full-time course that lasts for a minimum of two years or be on a one year access course leading onto a full-time degree. If you ve lived in the UK for less than three years or plan to study in the UK, you may be eligible for our Classic Account or another one of our Lloyds Bank current accounts. Information for International students applying for a Classic Account Free everyday banking Stay in credit and you won t have to pay monthly fees. Bank your way with Internet Banking, Telephone Banking, Mobile Banking, in-branch, and also get free Text Alerts. Debit card You can use your Visa debit card to shop online and in over 500,000 locations in the UK and 27 million worldwide. Cash withdrawals You can withdraw up to 500 a day from a Lloyds Bank Cashpoint or other cash machines. No overdraft International Students who have lived in the UK for less than 3 years are not eligible for an overdraft. Ways to apply Applying for an account online can be a convenient way to open an account but do bear in mind that you will be required to provide proof of identification and address at a Lloyds Bank branch to complete your application.

6 6 z :07 What documents can I bring? After applying for a current account online, you will need to provide proof of your identity and address at your nearest branch within 14 days so we can continue with your application. All documents must be the most recent ones. We don t accept expired documents or documents printed off the internet. We need to see one of the following documents. This document must show your full name. You can choose from the following: current United Kingdom, European Union or European Economic Area photo driving licence current UK / EU / EEA passport EU / EEA identity card all other current signed passports with a valid UK visa benefits or pensions notification letter confirming the right to benefit current UK non-photo driving licence blue disabled driver s pass. PLUS We need to see one of the following documents. This document must show your full name and current address. You can choose from the following: bank, credit card or building society statement showing transactions current UK driving licence (if it hasn t been used as proof of your identity) utility bill local authority tax bill for current year benefits of pensions notification letter confirming the right to benefit (if it hasn t been used as proof of your identity) original letter on headed paper issued by educational institution confirming place on a course (must confirm full name, UK and overseas address, start and end date of course) We reserve the right to ask for additional documents. If you don t have the documents listed above, we may be able to accept others so please speak to a member of staff if you have any questions about this or any of our services.

7 7 z :07 Not the right account for you? With so much choice, take a look at our other current accounts to see which account suits you best. Existing customers Manage your account Joint accounts Self service online Free banking services Internet Banking Mobile Banking Text Alerts PhoneBank Apple Pay Switch your account to us within seven days Find out how to switch Useful phone numbers Lost or stolen cards ( from outside the UK)

8 8 z :07 Contact us ( from outside the UK) These lines are available 24/7. Financial Services Compensation Scheme Find out more Useful links Save The Change Everyday Offers and It's On Us Money Manager