CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS

Transcription

1 CLUB LLOYDS DELIGHT THE BENEFITS OF BELONGING TO CLUB LLOYDS

2 Club Lloyds Contents Welcome to Club Lloyds 1 Your Club Lloyds benefits Current account credit interest 2 Banking Offers 4 Lifestyle Benefits 6 Interest and fee-free Planned Overdraft 8 Using your account Your debit card 10 Everyday Offers 11 Switch to Club Lloyds 12 Ways to bank 14 Money when travelling 17 Moving your money 18 Money Manager 20 Useful information Our other accounts 22 Other services 24

3 Welcome to Club Lloyds I ve got a current account with more to offer Get the most from your Club Lloyds benefits Welcome to Club Lloyds. Whether you ve just opened a Club Lloyds account or added Club Lloyds benefits to your existing account, we want to help you get the most from its benefits. Pay two different Direct Debits from your account each calendar month and you ll qualify for variable, tiered credit interest on balances from 1 to 5,000. Exclusive access to Club Lloyds banking offers details on pages 4-5. Select your Lifestyle Benefit if you haven t already. You ll receive more details in the next few days about how to do this details on pages 6-7. You can apply for an interest and fee-free Planned Overdraft (see page 8). Move all your payments to your Club Lloyds account in just seven working days with the Current Account Switch Service. Register for internet, mobile or telephone banking as well as Money Manager at lloydsbank.com Sign up for Everyday Offers, activate your offers and start earning up to 15% cashback when you use your Lloyds Bank debit card. Register for It s On Us at lloydsbank.com/everydayoffers Club Lloyds offers will change from time to time. If you ve added Club Lloyds benefits to your existing Added Value account, or upgraded from a Classic account, some of the features of your account may change (See notes on page 23). As long as you pay 1,500 or more into your account each month, we ll waive the 5 Club Lloyds monthly fee. If in any month you don t pay in this amount, you will need to pay the fee. 1

4 Current account credit interest Making the most of my money Tiered credit interest rates With Club Lloyds you can earn interest on the money in your current account. It offers variable, tiered interest rates up to 4% AER /3.93% Gross, so the more money you have in your account, the more interest you could receive on balances from 1 to 5,000. Interest rates are calculated daily on the balance that s in your account, so even if your balance fluctuates from the beginning of the month to the end, you could still be earning interest. On balances between 4,000 5,000 you could earn 4% AER variable To qualify for credit interest you need to pay two different Direct Debits from your Club Lloyds current account each calendar month. If there s a calendar month where you don t have two different Direct Debits paid from your account, you won t get any interest on the money in your account for that month. Interest is paid monthly into your account at the end of the first working day of each month, and the interest cycle runs from the second working day of one month to the first working day of the next. We don t pay interest on amounts over 5,000. Please speak to us about our range of savings accounts, including the exclusive Club Lloyds Saver and Club Lloyds Monthly Saver accounts. 2

5 Current account credit interest Club Lloyds interest rates Balances between 1 & 1, % AER Balances between 2,000 & 3, % AER Balances between 4,000 & 5, % AER 1.00% Gross 0.80% Net 1.98% Gross 1.59% Net 3.93% Gross 3.14% Net Club Lloyds interest rates are variable and apply to your whole balance. For example, if you have 4,000 in your account for 365 days, you ll receive an interest rate of 4% AER/3.93% Gross variable on your entire balance as long as you pay two different Direct Debits from your account each calendar month. 3

6 Banking Offers I d like offers on other banking products too Exclusive offers just for Club Lloyds customers Savings As a Club Lloyds customer you have exclusive access to two savings accounts: Club Lloyds Saver A variable rate savings account that includes a fixed bonus for the first 12 months on balances of 1,500 or more. The account gives you instant access and you can choose to receive interest monthly or annually. After the first 12 months the variable rate without the bonus will apply. Club Lloyds Monthly Saver Save between 25 and 400 every month via standing order. Rates are fixed for the oneyear term of the account with interest paid on maturity. After 12 months it converts to an Easy Saver with bonus. To find out more visit us in branch, go online lloydsbank.com/savings or call us on Mortgages As a Club Lloyds customer you can take advantage of an exclusive 0.20% discount on your initial mortgage rate. You must have a Club Lloyds current account open at the time of mortgage application. This discount does not apply to Local Lend a Hand, Shared Equity, Shared Ownership, Negative Equity and Buy to Let mortgages. For more information go online lloydsbank.com/mortgages, use our online form to book an appointment in branch to see one of our dedicated Mortgage and Protection Advisers, or call us on YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 4

7 Banking Offers EXCLUSIVE These are our current Club Lloyds banking offers they are only available to Club Lloyds customers. We might change them from time to time. Please ask in branch or visit lloydsbank.com/club-lloyds for details of the latest offers. Home Insurance As a Club Lloyds customer we ll give you a 10% discount when you take out a new combined buildings and contents policy, or upgrade from a buildings only or contents only policy to a combined one. The Club Lloyds offer is only available on Home Solutions and Home Options products and is not available via comparison sites. Minimum premiums may apply please see the separate offer conditions for each product. For more about our Home Solutions insurance visit us in branch or call us on For Home Options insurance please call us on or go online lloydsbank.com/insurance Credit Cards As a Club Lloyds customer when you open a Lloyds Bank Choice Rewards Credit Card account we ll refund 12 of the 24 annual card fee. If you are an existing Choice Rewards Credit Card holder you will receive this refund if you hold a Club Lloyds current account when your next annual fee is charged. Conditions apply. Choice Rewards allows you to collect Choice points almost anywhere you go and use your points to get cashback, shopping vouchers, travel rewards and magazine subscriptions. To find out more about this offer, the offer conditions and the other credit cards that may be available to you please visit lloydsbank.com/cards, ask in branch or call us on REPRESENTATIVE EXAMPLE Purchase rate: 18.94% p.a. variable Representative 23.7% APR variable Based on borrowing 1,200 over 12 months with an annual fee of 24. Credit limits and interest rates will vary based on your individual circumstances. 5

8 Lifestyle Club Lloyds Benefits A more rewarding current account Offering a choice of benefits as standard As a Club Lloyds customer you can choose one of three Lifestyle Benefits, each year per account, as part of your account benefits package, as long as you remain a Club Lloyds customer. Dining offers Cinema tickets Magazine subscription Annual Gourmet Society membership typically gives you deals like 2 for 1 or 25% off food and drink at over 6,000 participating restaurants including national chains, award winners and local favourites. Get six tickets a year for films showing at Vue cinemas with over 80 locations around the UK. An annual magazine subscription choose from a selection of printed and digital magazines (compatible with Apple devices) published by Hearst Magazines including Good Housekeeping Cosmopolitan, Prima and Men s Health. 6

9 Lifestyle Benefits What happens next? Full information about the Lifestyle Benefit you ve chosen will be sent to you shortly by or by post and will include all of the information you need including: Confirmation of what you ve chosen with all the details about when and how you ll receive it. All the information you need to choose a Lifestyle Benefit if you haven t already. What to do if you ve changed your mind. Plus all of the terms and conditions you need to read about your chosen benefit as well as details of any exclusions that apply. If you don t receive anything within 14 days, or have any queries that you d like to discuss please call (8am 10pm, seven days a week). You can also call this number to choose your Lifestyle Benefit if you haven t already, or to change the one you ve selected as long as it s at least three working days after you open your account. Key terms and conditions Lifestyle Benefits are administered by The Grass Roots Group UK Ltd, Pennyroyal Court, Station Road, Tring, Herts, HP23 5QZ. Company Registration Number They use different 3rd party suppliers to provide each benefit. These are subject to the supplier s terms and conditions. Benefits can t be combined with any other offer or exchanged for cash or other alternatives. One benefit per account is available each 12 months. The selection may be subject to change upon notice by us or the supplier. Exclusions apply. You can change or cancel the choice you made at account opening within 30 days. If you did not make a selection when you joined Club Lloyds you can do so by contacting or visiting lloydsbank.com/club-lloyds If you do this more than 30 days after you open or upgrade your account you will receive your Lifestyle Benefit on a pro rata basis. After that the selected benefit can only be changed within a restricted window around the anniversary of when you opened the account. We will write to you to remind you about this closer to the time. All Lifestyle Benefits are subject to terms and conditions. Cinema tickets cinema codes can only be exchanged for a Standard 2D admission ticket to any Vue Cinema or as part payment towards a 3D or other special admission. Exclusions are detailed in the Lifestyle Benefits terms with your welcome letter. The codes may not be used to reserve an admission ticket and can t be used after the expiration dates allocated. Each code can only be used once. Annual Gourmet Society membership participating restaurants may change at any time and discounts and availability may vary. Advance booking may be required. You can t use the card with any set menus. Magazine subscription if you choose a digital magazine title you must provide a valid address. It can take up to six weeks to receive the first publication from confirming the title you want to receive. Subscriptions may not include promotional items packaged with the magazine. 7

10 Interest and fee-free overdraft Support for when things get a little tight Club Lloyds Planned Overdraft We support Club Lloyds customers with an interest and fee-free Planned Overdraft of up to 100 subject to application and approval. This gives you some financial flexibility, without the worry of overdraft fees or interest. If you have added Club Lloyds benefits to an existing Added Value account, the interest and fee-free amount for that account remains unchanged, unless you have added Club Lloyds to your Silver account. Where you have added Club Lloyds to an existing Silver account you will now be able to apply for the Club Lloyds interest and fee-free Planned Overdraft amount of up to 100, however if you already have a Planned Overdraft of 100 or more, we will automatically increase your interest and fee-free amount from 50 to 100. You can find more details about all our overdraft fees, and an explanation of how our overdrafts work in our Banking Charges Guide at lloydsbank.com All overdrafts are subject to our assessment of your circumstances and are repayable in full on demand. You must be aged 18 or over to apply. Applying for your overdraft If you didn t apply for your overdraft when you opened your account and want to apply for a Planned Overdraft, you can do this in branch or call us on to apply. Grace period Our grace period gives you until 3:30pm (UK time) every day to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer it from another personal account you have with us or pay in cash over the counter in branch. REPRESENTATIVE EXAMPLE If you use a Planned Overdraft limit of 1,200 the overdraft interest rate we charge on the first 50 for Silver accounts or 100 for Club Lloyds Silver accounts will be 0% EAR variable. The overdraft interest rate on the remaining amount up to 1,200 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of 6 will apply. EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn t take into account other fees and charges. 8

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12 Your debit card I need a card that s easy to use Your Lloyds Bank Visa debit card can be used in shops, online and over the phone. And there s no charge to withdraw cash at any of our UK Cashpoint machines (although you may be charged by other ATM owners). You can also use your Visa debit card abroad wherever you see the Visa sign. Please see your Banking Charges Guide or visit lloydsbank.com for more details of the fees or charges that apply to overseas or non-sterling transactions. What you ll receive next You should already have your sort code and account number, and we ll send you everything else you need in the coming days. If you re new to Lloyds Bank, your debit card and PIN will arrive within seven working days. For your security, we send them separately. If you ve changed from another Lloyds Bank current account or added Club Lloyds to your existing account, your account number, sort code and PIN will all stay the same, and you can continue to use your existing card. But if you re a Club Lloyds Silver customer or have upgraded from a Classic account then we ll send you a new card. If your card or PIN has not arrived after ten days of joining Club Lloyds, please let us know. If we spot any fraudulent transactions on your account, we ll call to let you know. So please make sure we have your up-to-date contact details. 10

13 Everyday Offers I d like cashback when I use my card Everyday Offers & It s On Us Everyday Offers Earn up to 15% cashback with Everyday Offers. Food, clothes, or something new for the home. With your Lloyds Bank debit card, or credit card if you re the main cardholder, you can earn cashback using Everyday Offers on purchases at the types of places you shop. It s On Us With It s on Us, we reward your loyalty by giving you the chance to be paid back for something you ve bought every month, up to 500 with your Lloyds Bank debit card, or credit card if you are the main cardholder. You can activate It s On Us when you view your Everyday Offers. See Important Information section for more details and eligibility criteria for Everyday Offers and It s On Us. Or visit lloydsbank.com/everydayoffers to register. Log on to internet banking to register for Everyday Offers under Your Account Tools and follow the steps below: Click on Everyday Offers in your Account Overview to see your offers, then select the ones you want to activate for use on your next purchase. Shop with your Lloyds Bank debit card, or credit card if you re the main cardholder, in line with the offer conditions. Enjoy the money you have earned, which is paid back into your account at the end of the following month. 11

14 Switch to Club Lloyds I want all my payments in one place Transferring payments If you are new to Lloyds Bank and want to move your regular payments to your new account, you can use the Current Account Switch Service. We ll help you switch your Direct Debits and standing orders. We can also help arrange for anyone who regularly pays money into your account to redirect their payments. All you need to do is: Let us know the date you want to be switched. Tell us the account details, including the 16-digit number from your debit card for the account you want to switch from. We offer our banking customers a range of benefits and services: Access to a network of branches. Variety of accounts taking care of your everyday banking needs. Free services like Money Manager. A debit card you can use in over 500,000 places in the UK and in over 27 million outlets around the world. Send money almost anywhere in the world with our international payments service. Terms and conditions apply, ask us for more information. The Current Account Switch Service moves all your payments in 7 working days Current accounts and services are offered subject to status. Available only to personal customers, aged 18+ who are resident in the UK and are either an EU National or have permission to stay in the UK for at least 12 months. 12

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16 Ways to bank I can choose how I want to bank 24 7 PhoneBank Open new accounts, book a branch appointment, make payments and more. Our automated telephone service lets you carry out simple transactions and our advisers are available to help with other queries. Ask an adviser to send you a security number in the post to make the best of our PhoneBank service. Internet banking View statements, check your balance, view Direct Debits, set up standing orders and make transfers and payments. Register in branch or log on to internet banking at lloydsbank.com/ib Mobile banking Our free mobile banking service helps you stay on top of your finances on the move. You can do your banking on the spot with most mobile phones either using our app or through your mobile s browser at lloydsbank.com/onthemove 14

17 Ways to bank Text Alerts Weekly balance alerts on the weekday of your choice, we ll let you know your latest balance and last six transactions. Limit alerts if you re near to or over your account limit, we ll let you know to help you avoid accidental overdraft fees. High and low balance alerts when your balance reaches or falls to a certain level, we ll let you know so you can transfer money in or out of your account. Overseas transaction alerts for added security, when your Visa debit card is used abroad we ll text to tell you whether it was a purchase or withdrawal from a cash machine. Cashpoint machine You can also do a lot of your day-to-day banking at Lloyds Bank Cashpoint machines. At all of our ATMs you can: Check your balance, change your PIN or print a mini statement showing your most recent transactions. Withdraw up to 500 cash per day with your Club Lloyds debit card. And at the majority of our ATMs you can: Move money between Lloyds Bank personal accounts. Pay your bills. Pay in cash and cheques. Top up your pay-as-you-go mobile phone.* REGISTER To receive Text Alerts, register online at lloydsbank.com/ib call us on or visit a branch. Please note, although you can use internet, PhoneBank and mobile banking to give us instructions 24 hours a day, seven days a week, some instructions, such as those given after 10pm or at weekends, cannot be processed until the next working day. Not all telephone, internet and mobile banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. You must be registered for internet banking to be able to use our mobile banking service. Services may be affected by phone signal or functionality. We don t charge you for mobile banking but your mobile operator may charge you for some services, please check with them. PhoneBank is a registered trademark of Lloyds Bank plc. Text Alerts (other than weekly balance alerts and overseas transaction alerts) are sent before 10am UK time Monday to Friday excluding Bank Holidays. Terms and conditions apply. * Your bank account will be debited in the same way as a cash withdrawal. Successful top-up transactions will reduce your 500 daily withdrawal limit. 15

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19 Money when travelling I ve got everything I need when I go away Commission free travel money All your foreign currency banknotes and American Express Travellers Cheques are commission free from us. We also offer instant euros and US dollars in many of our branches. Order your foreign currency or travellers cheques by 3pm Monday to Friday (excluding Bank Holidays) and we ll deliver them to any of our branches for you to collect after 1pm the next working day, free of charge. We can even deliver your currency to your home address for just 4.50 if you order online or by phone (delivery to British mainland and Northern Ireland, to customer s billing address only). Our branches will also buy back any foreign notes or American Express Travellers Cheques you might have left over commission free. A convenient, secure way to pay abroad Use your Visa debit card in hotels, bars, restaurants and shops Visa is accepted in over 27 million outlets and at one million ATMs worldwide. Fees apply to using your debit card abroad. Please see our Banking Charges guide for more details. Your Visa debit card is an alternative to carrying cash, and is just as safe to use abroad as it is at home. We ll monitor your account when you re out of the country, and if we see anything suspicious, we ll text or call you to let you know. Places around the world you can use your debit card 27 million You should always check travellers cheques are accepted at your travel destination. The price at which we buy back your currency may differ from the price at which we sold it to you. There are minimum denominations we can accept in certain currencies. Details of these are available on request. We may not be able to re-purchase currency if a country becomes embargoed or we no longer deal with that currency. Different delivery timescales may apply to Scotland and Northern Ireland. We may not be able to guarantee next working day delivery to certain remote areas within the United Kingdom. Please ask in a branch for further details. 17

20 Moving your money It s easy to move my money A_B Make quick, secure deposits All cash will be immediately available when processed, information on cheque clearance timescales is available in your terms and conditions. All the deposits you make over the counter are processed immediately. Our easy-to-use Immediate Deposit Machines (IDMs) will process a deposit in a matter of seconds. Any deposits made through our depositpoints before the cut-off time on a working day will be processed by the end of the day. Any deposits made after that time or at weekends will be processed the next working day. Any deposit made through our Cashpoint machines will be processed the next day. Weekends and Bank Holidays are not counted as working days. Sending money abroad Our international payment services help you send money abroad quickly, easily and securely. To find out more go to lloydsbank.com/travel Paying in cheques If you qualify for credit interest, we ll start paying it straight away on the first 1,000 of cheques paid in over the counter before the cut-off time on a working day. Whenever you pay in a cheque we use the process. This may be quicker for Lloyds Bank cheques. To find out more about how and when you can use cheques visit lloydsbank.com or see your Personal Banking terms and conditions. 18

21 Moving your money Direct Debits and standing orders Direct Debits are a quick and easy way to make payments. They go straight from your account to a company or service, which is really useful for paying regular bills like your utilities, where the amounts might vary. If you ever need to cancel or change a Direct Debit, simply let the company you are paying and us know. If you think there s been an incorrect payment, tell us immediately and we ll arrange a full refund and tell the company or business involved. Another simple way to pay your bills is by standing order. This is a fixed, regular payment from your account. We can help you set these up, and if you ever need to change or cancel them just let us know. We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day. If you don't have enough funds in your account at this point to make a payment, we will try to make a payment again after 3.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via internet, mobile or telephone banking or pay in cash over the counter in branch. If you do not have enough funds at the beginning of a day to make a payment: You have until 3.30pm to pay money into your account to make the payment that day. If a payment takes you into any type of overdraft, you have until 3.30pm to pay money into your account to avoid overdraft fees and charges. Standing orders and future-dated payments If you don't have enough funds in your account to pay a standing order after 3.30pm on the day the payment is due, we will continue to make the payment each working day for up to 26 days in total. If we can't make the payment by the second day after it was due, then we may charge a returned item fee of 10. We will, however, only charge once for each item that isn't paid, even if we continue to try to make the payment over the 26 days. If we charge a returned item fee then we will write to let you know about the failed payment. 19

22 Money Manager I can easily keep track of my finances Money Manager Money Manager automatically breaks down most of your spending into meaningful categories (like entertainment, food and travel) to give you a better picture of your spending. Once you have registered for internet banking you can use the service free of charge. Money Manager can help you: Understand how much you are spending and where. Set up a Savings Goal* and save for the things you want. Keep track of your regular bills or payments. Create spending plans and track your progress. Money Manager can be used with all your UK Lloyds Bank personal current and credit card accounts together. To register and start using this free service, visit lloydsbank.com/moneymanager Spending analysis Categories % Entertainment & Leisure 28% Groceries 25% Cash Withdrawals 24% Transportation 18% Clothing & Personal Care 3% Savings & Financial 2% These figures are for illustrative purposes only. Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice. There may be differences between descriptions shown on printed or online statements and Money Manager. Your printed and online statements remain the definitive record of your account. Transactions may appear earlier or later on your statements. You must be registered for internet banking. Further terms and conditions apply. *In order to set up a Savings Goal you must have a Lloyds Bank savings account. 20

23 Student Money Club Manager Lloyds Account Get a clearer view of what you ve been spending Entertainment & Leisure 28% 21

24 Our other accounts Cash Account Other accounts we offer Classic Account Club Lloyds Account No monthly fee No monthly fee 5 per month Visa debit card for purchases and cash withdrawals at cash machines in the UK and abroad that are part of the LINK or Visa network. 25 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book optional. For 10 a month, adding Control to your account helps you avoid Unplanned Overdraft fees. For every calendar month that you pay in 1,500 or more we ll waive the monthly account fee. Variable tiered credit interest paid on balances from 1 up to 5,000, when you pay at least two different Direct Debits from your account each calendar month. Exclusive access to Club Lloyds banking offers. A choice of one of three Lifestyle Benefits per account: An annual magazine subscription, from a selection of available titles. 6 Vue cinema tickets. Annual Gourmet Society membership. 100 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book. For 10 a month, adding Control to your account helps you avoid Unplanned Overdraft fees. 22

25 Our other accounts European Travel Insurance for you and your partner. Cover stops on account holder s 65th birthday. AA Roadside Assistance. Accident Management. Mobile Phone Insurance. Sentinel Card Protection. 50 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card. Cheque book. Silver Account Platinum Account 9.95 per month 17 per month Club Lloyds Silver Account An extra 5 per month (maximum monthly account fee) As long as you pay 1,500 or more into your account every month, we will waive the 5 Club Lloyds monthly fee. Worldwide Travel Insurance including Family or Winter Sports Cover. Cover stops on the account holder s 80th birthday. AA Breakdown Cover including Roadside Assistance, Home Start and Relay. Accident Management. Mobile Phone Insurance. Sentinel Card Protection. 300 interest and fee-free Planned Overdraft (subject to application and approval). Visa debit card preferential charges when you use it abroad. Cheque book. Club Lloyds Platinum Account An extra 5 per month (maximum 22 monthly account fee) As long as you pay 1,500 or more into your account every month, we will waive the 5 Club Lloyds monthly fee. Things to note More information on all these benefits is available at lloydsbank.com We review the accounts we offer from time to time and products can be withdrawn without notice. The following benefits are provided by third party suppliers Travel Insurance, AA Breakdown Cover, Mobile Phone Insurance, Sentinel Card Protection and Lifestyle Benefits. Exclusions may apply to the benefits. If your existing account has Vantage and you upgrade to Club Lloyds, you ll receive the Club Lloyds current account interest rates mentioned on page 3, as long as you meet the qualifying criteria. You will no longer benefit from your existing Vantage interest rates. If you don t currently pay a fee for your Added Value account and choose to upgrade to Club Lloyds, you will lose your fee waiver and have to pay the Added Value account fee for your particular account. You will also pay the 5 monthly Club Lloyds fee unless you qualify for this to be waived. The benefits of Club Lloyds and our Silver Account. The benefits of Club Lloyds and our Platinum Account. 23

26 Other services I need a bank that understands real life Save every time you spend Register for Save the Change and every time you buy something with your Lloyds Bank debit card, and your account is in credit, the amount you spend will be rounded up to the nearest whole pound and at the start of the next working day, we ll transfer the difference into an eligible Lloyds Bank savings account, for example a Club Lloyds Saver. Save the Change does not apply to over-the-counter cash advances, ATM withdrawals or fees charged for non-lloyds Bank ATM transactions. Transfers can only be made if your current account is in credit. For more details or to find out which savings accounts are eligible, visit us in branch, go to lloydsbank.com/savethechange or call us on Loans If you need help planning for the future, we can offer a loan from 1,000 up to 25,000. We ll normally give you a decision in 30 minutes. Apply online, call us on , or come in branch to find out more lines are open 8am-10pm, seven days a week. Loans are subject to application and approval. Credit Cards Making day-to-day and occasional spending easier, our range of credit cards could help you manage your existing balances and even earn rewards. Visit us in branch or call us on Monday to Friday 8am-9pm, Saturday 9am-5pm to find out more. Subject to application and approval. 24

27 Club L Insurance Make sure the things that matter to you are protected with a range of insurance policies. For Home Options insurance Call , Monday to Friday 8am-8pm, Saturday 8am-4pm. For Home Solutions insurance Call , Monday to Friday 9am-7pm, Saturday 9am-1pm. For Car insurance Call Monday to Friday 8am-8pm, Saturday 9am-5pm. For Travel insurance Call Monday to Saturday 8am-8pm, Sunday 9am-5pm. Lloyds Bank Home Solutions and Home Options are underwritten by Lloyds Bank General Insurance Limited. Lloyds Bank Car insurance and Lloyds Bank Travel insurance are arranged, administered and underwritten by third parties. Important information Account opening is subject to our assessment of your circumstances. Club Lloyds is only available to personal customers who are UK resident and aged 18 or over, and who are either an EU National or have permission to stay in the UK for at least 12 months. You must continue to live in the UK to benefit from Club Lloyds banking offers and Lifestyle Benefits. How much we lend if anything, or the issue of a credit card is subject to an assessment of your personal circumstances. You must be over 18 and a UK resident to apply. If applying for a loan you also need to have held an account with Lloyds Bank for three months. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if it was paid and compounded once each year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. Net rate is the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law. Cashpoint, PhoneBank and Save the Change are registered trademarks of Lloyds Bank plc and depositpoint is a trademark of Lloyds Bank plc. Everyday Offers is available to Lloyds Bank UK personal current account and credit card customers aged 18+ who are registered for internet banking. Once enrolled, any cashback earned on credit card purchases will be paid to the primary account holder, so long as they have a Lloyds Bank personal current account. You ll need to stay registered for Everyday Offers and keep your current account open to receive your cashback. Merchant offers and cashback amounts may vary and must be activated through internet banking.

28 loyds To enter the It s On Us free draw, you must be a UK resident (excludes NI), be registered for Everyday Offers for up to a week, and have activated the It s On Us offer. 1,000 debit or credit card transactions up to 500 will be reimbursed each week. For full terms and conditions visit lloydsbank.com/everydayoffers Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Sentinel is a registered trademark of Affinion International Limited. Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. Lloyds Bank plc Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number We also subscribe to The Lending Code. Details can be obtained from We are covered by the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service. All information and rates correct as at March

29 Useful contact details For help with your account call (or ) For lost and stolen cards call (or ) If you notice unrecognisable transactions call (or ) Call us on to register for PhoneBank and ask an adviser to send you a security number to use PhoneBank Go online to register Sign up for Everyday Offers and It s On Us at lloydsbank.com/everydayoffers Register for internet banking and Text Alerts at lloydsbank.com/ib Register for mobile banking at lloydsbank.com/onthemove Register for Money Manager at lloydsbank.com/moneymanager

30 Contact us lloydsbank.com/club-lloyds Call us on Visit your local branch If you'd like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on (lines are open 24 hours a day, seven days a week). If you are Deaf you can use BSL and the SignVideo service available at lloydsbank.com/accessibility/signvideo.asp Our promise is to do our best to resolve any problems you have. If you wish to complain visit your local branch or call or (Textphone or , if you have a hearing impairment). For more information visit lloydsbank.com/contactus M59992 (03/15)