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From: "Lloyds Bank" <info@commercialemails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Your terms and conditions are changing
Date: Thu, 2 Oct 2025 15:08:26 +0100
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What’s new - from 10 December 2025
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͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_icon_DM.png>
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bf565ab22-da75-4951-8537-1cf33ff70358%7D_header_icon_fill_024731.png>
We want you to recognise a fraudulent email if you receive one, so we'll
always include the last four digits of an account you hold with us:
****3506.
<https://www.lloydsbank.com/business/home.html?elqTrackId=83c5faab2112451f82546c2c5e91e550&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13235&elqak=8AF5C0C1F266BE00F3D9FB3036A60FD84B6516464AD7725EC312FE9655DF42234388>
<https://www.lloydsbank.com/business/home.html?elqTrackId=286badfbfd944bea8868e0c58a369bf5&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13235&elqak=8AF52E85FDB296C038EC45EF3CABBA9E88F716464AD7725EC312FE9655DF42234388>
<https://www.lloydsbank.com/business/home.html?elqTrackId=8ce3d3967e58493aab419a99d29b572e&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13235&elqak=8AF56C1CEC82EE6BDF0E32B0E91FD5EC0DEB16464AD7725EC312FE9655DF42234388>
<https://www.lloydsbank.com/business/home.html?elqTrackId=db93cc509b7b4276812238e048a16030&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13235&elqak=8AF586F63467F73889062C4F07410C19374116464AD7725EC312FE9655DF42234388>
Your terms and conditions are changing from 10 December 2025 <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B15f5fae8-19df-4e1d-9cfe-80226107ce34%7D_LB-O4B-Hero-bell-arrows-phone.png> <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B15f5fae8-19df-4e1d-9cfe-80226107ce34%7D_LB-O4B-Hero-bell-arrows-phone.png>
You’ll see changes to your terms and conditions from 10 December 2025. There’s
a Guide to Changes included further down the email that explains all the
updates we’re making. Most updates take effect on that date unless we’ve
shown a different date in the Guide. Please set aside some time to read
this, keep it safe and share with anyone else who needs to be aware. <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bfdda1c20-66ef-4768-aaf0-ba97227cec8e%7D_LB-icon-SearchTransactions-Outline-VibrantGreen-64w-2x.png>
The key changes• Some fees and charges are changing – in future, you could pay more for
some services, such as:• If you have or take out an authorised overdraft of up to £5,000.
• If you don’t have an authorised overdraft and your account goes into an
unauthorised overdraft of more than £12.•
If we return an unpaid item to you.•
We're updating our international payment services — adding more payment
options, increasing our range of currencies and extending cut-off times on
our existing ones. We’ve also removed the phone service.•
We’ve updated some product and service specific conditions. They’re now
simpler and easier to read. There’s more about which ones in the Guide.•
We’re proud to be part of the same family as Halifax and Bank of Scotland.
You can now visit any of our branches to do your everyday banking.Other important changes we’re making that you should read in the Guide
include:•
Changes to the notice period we’ll give you if we need to close your account
or end a payment service.•
Delaying payments you’ve asked to make if we suspect fraud.•
Refunds for micro-enterprises and small charities affected by certain scams.•
When we can immediately end our agreement with you.Read
your new terms and conditions
<https://www.lloydsbank.com/business-account-terms?elqTrackId=32002a52f42849be9e85396d8f068a8a&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13241&elqak=8AF5DB2BBD7FEA973EE6BCE41483ED078EB316464AD7725EC312FE9655DF42234388>
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B19879a3c-5c6d-45a9-816a-96e87bb3d610%7D_LB-divider-EG-top.png>
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B44b4c88b-171e-4726-97c3-fc373930121f%7D_LB-divider-EG-bottom.png>
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B987cea11-b76f-4241-8f09-9187fe1fe7eb%7D_LB-icon-Info-24w-2x.png>
Check your account and overdraft still works for you
When we make changes, you should check you’re still happy with your account
and overdraft. If you are then there’s nothing for you to do, your new
account terms and conditions will start automatically. If you don't want to
accept them, you can ask us to close your account or end your overdraft
without charge before the changes are made. Just let us know before 26
November 2025 and we can help you with that too. You’ll still need to pay
any remaining charges in full on your account and pay back your overdraft
before you close or end it, plus any outstanding interest and fees.
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B5b11f240-8de2-4fcc-b2e3-c7acdb1c0f6c%7D_LB-illust-Chatbot-132w-2x.png>
We’re here to help and support youIf
you’d like to talk to us or have any other questions, please call us on 0345
072 5555 we’ll be happy to help.
We’re here between 8am and 6pm, Monday to Friday, and from 9am to 2pm on
Saturday. Closed on UK public holidays.Yours sincerely,
John Ramage
Head of Accounts & Deposits <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bad656697-17f3-451c-9c2b-8b9718ceb4a1%7D_LB-illust-Switching-Arrows-132w-2x.png>
Guide to ChangesWe’ll
apply any changes to your account charges from December 2025.Your
terms and conditions explainedThe
terms and conditions are in three sections. Together they form Your
Agreement with us: <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds
BankingGroup2/%7B61702b6c-72bb-4ada-8bdd-910b1bd8c361%7D_LB-icon-number-1-24w-2x.png>
General Conditions – this includes key information about your relationship
with us. <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B6e3c1bf9-112b-46a5-a5a5-a6bdc26124e6%7D_LB-icon-number-2-24w-2x.png> Product Specific Conditions – these are additional terms and conditions that apply to the particular type of account you hold.
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bae9dfe1a-fd6d-4fd5-8604-3d84fc2a7887%7D_LB-icon-number-3-24w-2x.png>
Account Charges & Processing Times – this covers our charges and provides
information about payments such as how long they’ll take to reach the person
you want to pay.Your
new terms and conditions
<https://www.lloydsbank.com/business-account-terms?elqTrackId=878e83f20572482bb1587193dfba7f6a&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13264&elqak=8AF5E6A7EAC886C5A798048B6077E663ED5D16464AD7725EC312FE9655DF42234388>
General Conditions changesNotice we give for terminations will be longer and we’re updating suspension
rightsWe’ll be changing the notice period that we will give to you if we are
closing your account or terminating a payment service. From 28 April 2026,
the notice period will increase from two months to 90 days, unless there are
situations where we can terminate immediately or on a different notice
period.
We’ll update the termination and suspension rights in Your Agreement, to
make it clearer when we can either terminate or suspend your account or
payment service. These changes also take effect on 28 April 2026.We may delay payments if we suspect fraud
If we suspect fraud in a payment you ask us to make to another UK account,
we may delay the payment for up to four Business Days while we ask you for
more information. We won't delay longer than we need to and will refund you
any charges or interest you have to pay as a result of the payment being
delayed.Refunds for micro-enterprises and small charities for Authorised Push
Payment (APP) scamsA micro-enterprise is a business that employs less than ten people and has
an annual turnover and/or balance sheet of two million Euros or less, or
equivalent value. The General Conditions explain more about what a
micro-enterprise is.
We've updated our terms and conditions to reflect that we'll pay you back
for APP scams if you're a micro-enterprise or a small charity - where you’re
tricked into transferring money to a fraudster through a bank transfer. For
example, they may pose as a solicitor you’re dealing with in a property
purchase and give you bank details of an account they control.When we can end our agreement with you and close your account
We’ve added an additional circumstance where we can terminate our agreement
with you immediately.
If you don't provide ‘know your customer’ information when we ask for it,
we'll issue a notice to close. We've clarified that we can also immediately
close any new accounts you apply for in the period from us issuing the
notice, and the original account being closed.Both you and us are Data Controllers under Data Protection laws
We’re adding wording to explain that, in most cases, we expect both of us to
be “Data Controllers” under data protection laws. This means we’re both
responsible for personal data when we provide banking products to you.We’ve clarified how our Foreign Exchange Rate works
We’ve made it clearer that we’ll use the Lloyds Bank Foreign Exchange Rate
when you make or receive payments in a different currency from your
account — unless we’ve agreed to use a different rate with you.
We’re also making it clearer that when you exchange foreign currency, we add
the rate available to us when we obtain these currencies, plus a margin. The
margin is the difference between the Lloyds Bank Foreign Exchange Rate you
pay and the rate available to us for these currencies.Customers that aren’t micro-enterprises or small charities - We can convert
payments unless you ask us not toThe Payment Services Regulations contain lots of requirements about payment
accounts, but we don’t need to apply all of these requirements to our
customers that aren’t micro-enterprises or small charities. These are called
corporate opt-outs.
We’re applying a corporate opt-out to Regulation 57 of the Payment Services
Regulations. This means that unless you’ve asked us not to, we, or a
correspondent bank acting on our behalf may convert payments made to a
beneficiary account in a currency that is different to the currency in the
payment instruction. Where we convert payments, we'll let you know the
exchange rate used. Where our correspondent converts, we'll let you know the
exchange rate used where this information is made available to us.We’re no longer monitored by the Lending Standards Board
We've removed reference to the Standards of Lending Practice as we’re no
longer subscribed to the Lending Standards Board.
If you use any services shown in the Product Specific Conditions section of
the Guide, these updates will also apply.When we will and won’t be responsible for money you lose
We’re including information about when we will and won’t be responsible for
money you lose. If you’re making a claim against us because you’ve lost
money, we won’t be responsible for:• money you lose which isn’t directly linked to the incident leading you to
claim against us. This applies whether or not we could have reasonably
foreseen that you would lose that money; and•
any loss of profit, loss of business, loss of goodwill or any form of
special damages.Letting you know about changes to interest rates
When there’s a change to an interest rate because of a reference rate
change, we’ll let you know by updating our website within five business
days.Refunds and what happens if something goes wrong
We’re including a section called ‘What happens if something goes wrong?’
This covers how we can help you and what you need to do if something goes
wrong with a payment. Your right to a refund will depend on lots of things,
such as what has gone wrong and whether you’re a micro-enterprise or not.
We're applying an additional corporate opt-out to Regulations 75 and 77 of
the Payment Services Regulations. This means that if you're not a
micro-enterprise or small charity, you won't have full refund rights for
unauthorised payments.What happens when cheque payments go wrong
We’re updating the wording about what happens if a cheque payment goes wrong
and how we’ll refund you if we make a mistake.Ending Your Agreement
We now make it clear that we can end Your Agreement for additional reasons.
For example, where there are anti-money laundering reasons, where a pension
scheme is wound up, where you cease to be a corporate entity or where you
don’t tell us about a change in the ownership of your business in advance.
We’ll update the termination and suspension rights in your terms and
conditions again with effect from 28 April 2026.Product Specific Conditions changes
We’ve updated product and service specific conditions. They’re now simpler
and easier to read. We’ve listed which ones and the links to them. If you
use any of these services, read the ones relevant to you and share with
anyone else who needs to be aware.Updates to Business Debit Card, Cashpoint and Keycard
• We're adding details about electronic wallets. From next year, you’ll be
able to store your Business Debit Card in one place and make payments
through it.•
We’ve removed your user guide as information about Business Debit Card,
Cashpoint and Keycard has been moved to your Product Specific Conditions and
our website.•
For business accounts with one authorised signatory, you can now apply for
new Business Debit Cards online. For more details on how to apply, visit our
website. We'll make this available for multi-sign businesses in 2026.•
Daily cash machine withdrawal limits are no longer listed in your Product
Specific Conditions; you’ll find them on our website.•
If you need to block an authorised user’s use of the Business Debit Card,
please contact us directly.•
If your account closes, we may end your Business Debit Card service
immediately.Your
updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=887f3f452ffe45c6ae33d573a5934499&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13280&elqak=8AF51F8D69C0F1BE448AFCF1A32073B6B23816464AD7725EC312FE9655DF42234388>
Bulk Cash ServicesUpdates to Carrier Cash Direct Service
Changing your account
In future, to use a different account for this service, you’ll need to write
to us. We’ll update our records within 10 business days.
Changing your premises address
If you're moving, let us know at least 10 business days before you change
premises. Contact your relationship team (if you have one) or get in touch
in the usual way.
If you don’t tell us this way, we can’t take responsibility if anything goes
wrong. Once we’re told, we’ll update our records within 10 business days.
Our responsibilities
We’re making it clearer what we will and won’t be responsible for:• We’re not responsible for any problems with cash delivery or issues
caused by your agreement with the carrier or anything else outside our
control.•
If money gets lost or stolen while we or our subcontractors have it, we’ll
pay you back up to £7,500 for each deposit or collection.•
Apart from the above, our total liability in a year is limited to the amount
you’ve paid us for the service during that time.Your
updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=b5f60111cbcd4aef8ee6014dedf9265e&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13286&elqak=8AF59C82B2FAD3284A3134163E5A52FB228316464AD7725EC312FE9655DF42234388>
Updates to Bulk Cash Till ServiceChanging locations
To change a location used for the service, you’ll need to tell us at least
10 business days in advance using the form we give you. If you don’t use the
form or don’t tell us, we won’t be responsible for any lost money. We’ll
update our records within 10 business days of receiving your request.
Our responsibilities
We’re making it clearer what we will and won’t be responsible for:
We’re responsible for making sure your account reflects the amount shown in
the daily balance certificate from the security company.
We’re not responsible for:• collecting, delivering, or processing the cash. These activities are
managed by the security company.•
any lost money or issues caused by the security company or your agreement
with them.Your
updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=24c8a066ebc247af99ef7b91fa2c891c&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13286&elqak=8AF537AB56B7EDE7FCA693DBFFFFF763555016464AD7725EC312FE9655DF42234388>
Updates to the Bulk Cheque Processing Service and Branch Delivery Service
Our responsibilities for both services
We’re making it clearer what we will and won’t be responsible for:• We’re only responsible for losses related to the service. If something
goes wrong, the most we’ll pay is any refund we’re legally required to give,
plus up to 150% of the charges you’ve paid us for the bulk cheque processing
service in that 12-month period (or less, if used for a shorter time).•
We’re not responsible for losses caused by fraud or if the service isn’t
used as set out in the Product Specific Conditions or other instructions we’ve
given you.Need
more stationery?
We’ve updated our contact details. Email the Bulk Stationery Team at:
corp.bulkstationery@lloydsbanking.com
Your updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=a2ffd0bbc30149cf8b94d0b80257f8b9&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13286&elqak=8AF5AC383F28720C033737DA83A6D760D55F16464AD7725EC312FE9655DF42234388>
Updates to the Premier Direct Cash Service
Changing your account
In future, to use a different account for this service, you’ll need to write
to us. We’ll update our records within 10 business days.
Changing your premises address
If you're moving, let us know at least 10 business days before you change
premises. Contact your relationship team (if you have one) or get in touch
in the usual way. If you don’t tell us this way, we can’t take
responsibility if something goes wrong. We’ll check the new address is
eligible for cash delivery or collection. If it is, we’ll update our records
within 10 business days.
Resolving queries and discrepancies
We now aim to resolve general queries within three business days and
discrepancies within five business days, regardless of the money involved.
Our responsibilities
We’re making it clearer what we will and won’t be responsible for:• We’re not responsible for any loss, damage, or claims related to cash
delivery or your agreement with the carrier.•
We’re only responsible if money is lost or stolen while it’s with us or our
sub-contractors. In that case, we’ll reimburse you.•
Apart from that, our total liability in any 12-month period is limited to
what you paid us for the service during that time.Your
updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=38204f635dcb4072bedc1382702028e2&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13286&elqak=8AF5F36BCAE6FA37F9F1A14C56F8402AD99F16464AD7725EC312FE9655DF42234388>
E-Payments servicesUpdates to the Bacstel-IP Service
Bacstel-IP Direct and Indirect submitters
Definitions
We’re making some of the definitions in the “Meaning of words we use”
section clearer.
Our responsibilities
We’re making it clearer what we will and won’t be responsible for:• We’re only responsible for losses related to the service or how we
provide or expect to provide the service under these Product Specific
Conditions and/or your use of the service. If something goes wrong, the most
we’ll pay is any refund we’re legally required to give, plus up to £5,000 or
the fees you paid us during that period, whichever is higher.•
If you lose money due to Bacs, we’ll only cover what we can recover from
them.We’re
not responsible for:• losses caused by misuse of the service or if you or your contacts don’t
follow the Product Specific Conditions.•
lost profits, lost business, lost goodwill, or indirect losses even if they
were foreseeable. This applies even if the issue involves software, or third
party software, contract or warranty breaches, negligence or any other legal
reason someone might be held responsible for harm or loss, even if they didn’t
mean to cause it or weren’t careless.Need
any help with this service?
We’re updating our contact details. If you need help with the service, email
us at GRPBACSCOR@lloydsbanking.com or call 0345 982 5325, or use any other
number we give you.
Notice of service changes
We’re updating how much notice we give before making changes. The General
Conditions explains more about this. If Bacs requires us to make a change
straightaway, we’ll give you as much notice as they allow.
Your updated Terms including your charges
<https://www.lloydsbank.com/business-account-terms?elqTrackId=fc4fe8f6d66d43638076962f86203e56&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13292&elqak=8AF50A4B0BB8DDC698D45565A867564BFF8516464AD7725EC312FE9655DF42234388>
Updates to PCO Pay and Pay and Collect Online (PCO)Definitions
We’re making some of the definitions in the “Meaning of words we use”
section clearer.
Notice of service changes
We’re updating how much notice we give before making changes. The General
Conditions explains more about this. If Bacs requires us to make a change
straightaway, we’ll give you as much notice as they allow.
Confidential information
You must keep all service-related and Bacs information confidential,
including anything shared by Bacs or its members.
Our responsibilities for PCO Pay
We’re making it clearer what we will and won’t be responsible for:• We’re only responsible for losses related to the service or how we
provide or expect to provide the service under these Product Specific
Conditions. If something goes wrong, the most we’ll pay is any refund we’re
legally required to give, plus up to £5,000 or the fees you paid us during
that period, whichever is higher.•
If we use a third party to help provide the service, they won’t be
responsible for more than we are.•
If your loss is due to Bacs, we’ll only be responsible for what we can
recover from Bacs.•
You’re responsible for any loss we suffer if you or any contacts breach
these Product Specific Conditions.•
We're not responsible if you lose money caused by faulty equipment used by
you, your agents, or subcontractors, or if you use our service in a way that’s
not recommended, authorised, or intended — or if you break any laws while
using it.Our
responsibilities for Pay & Collect Online (PCO)
We’re now clearer about when we’re responsible if something goes wrong.• We’re only responsible for losses directly related to the service. If
something goes wrong, the most we’ll pay is any refund we’re legally
required to give, plus up to £5,000 or the fees you paid us during that
period, whichever is higher.•
We’re not responsible for losses or damage caused by network or
communication failures.•
If any loss you suffer relates to Bacs, we’re only responsible for what we
can recover from the Bacs scheme.You’re
responsible for:• any losses, costs (including VAT), damages, liability or claims (even if
caused by negligence) we suffer, if you or a PCO user breaches Your
Agreement or misuses the service.•
any data entered into the service by you or on your behalf. We’re not
responsible for errors in that data or how it’s entered.Your
updated Terms
<https://www.lloydsbank.com/business-account-terms?elqTrackId=16a6cbcc97114387ba2cb9c12e4c9b11&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13292&elqak=8AF57CF3A3B87107555520BCB14ABBCC63A616464AD7725EC312FE9655DF42234388>
Updates to Public Key Infrastructure (PKI)We've made some small changes to our Digital Identification Service PKI
Customer Agreement and Digital Identification Service Reference Document.
These changes include updates from a third-party supplier about security
procedures.
Your new documents
<https://www.lloydsbank.com/business/corporate-banking/commercial-terms/pki-agreement.html?elqTrackId=beafe872df0d4b98873553a668e5f110&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13292&elqak=8AF5718B2F9CB8733C2832727A01385806CB16464AD7725EC312FE9655DF42234388>
International Cash Management (ICM)The
following ICM changes apply to:• ‘Requests for Transfers’ (MT101/pain.001)
• ‘Customer Statement Messages’ (MT940/camt.053)Some changes to our ICM fees and where to find them
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B0c67a374-5b1a-4f02-bf6b-b24a7aaae79c%7D_LB-O4B-table-3-desk.png>
<https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B325fa11b-e9b0-4892-9480-0b74b34252e8%7D_LB-O4B-table-3-desk-1.png>
Our responsibilities for ‘Requests for Transfers’ or ‘Customer Statement
Messages’ servicesWe have made it clear what we’re responsible for when it comes to ‘Requests
for Transfers’ and ‘Customer Statement Messages’.
Request for Transfers – outward and inward• Your refund rights for transfers are explained in the General Conditions.
Beyond that, we’re not responsible for issues with outward or inward
transfer requests.•
For inward transfers, we’re not liable if you or the forwarding bank make a
mistake, are late, or fail to send the request.•
We’re not bound by any promises made by our employees or agents unless
confirmed in writing.Customer
Statement Messages – outward and inward• We’re not bound by any promises made by our employees or agents unless
confirmed in writing.•
We’re only responsible for losses caused by our fraud, negligence, or wilful
default.•
For inward messages, we simply pass on information from the forwarding
bank — we don’t control its accuracy and aren’t responsible if it’s wrong.Updates to ICM documents
We’ve updated the International Cash Management Product and Service Specific
Conditions to make them simpler and easier to read. This includes updates to
our charging schedules. If you’d like copies of these, contact us in the
usual way or the Onboarding Team.Our payment definitions will be clearer
We’re making our payment definitions clearer to match ISO 20022, the
international standard for exchanging payment data. This means you’ll see
changes to message names and how we describe charges on our documents.Account Charges and Processing Times changes
Returned Item FeeOur Returned Item Fee will go up from £7 to £11.50.
We’ll charge for stopping chequesFrom 1 December 2025, we’ll be able to charge £10 if you ask us to stop a
cheque for any reason. We’ll contact you before any charges begin.Changes when paying in cheques and cash
• From 1 November 2025, you’ll be able to pay cheques into your account by
post. You can find more details about this on our website.•
From 31 December 2025, the Post Office® will no longer accept cheques. You
can still pay cash into your account at a Post Office® using your debit
card. This will appear in your account straightaway.Text alerts for account balances and payments are being removed
We’re removing Business Text Alerts from your terms and conditions. This
means we’ll no longer accept new registrations. If you already have text
alerts set up, they’ll continue for now.
To check your account balance and transactions, you can use the Business
Mobile Banking app or log in to Online for Business.Later cut-off times for foreign currency payments
Send money with later currency cut-off times and improved value dates—giving
you more flexibility and faster payments. <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bc308efbf-b4bd-42d4-bcd9-a5276756dfea%7D_LB-O4B-table-1-desk.png> <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B95c94e47-071a-4ad4-9961-d9f0bed726dd%7D_LB-O4B-table-1-mob.png>
• Cut off times for file imports will be 20 minutes earlier than the above
times.•
Cut off times for manual payments will be around an hour earlier than above.•
The time difference between cut off times and manual payment times will stay
the same.You
can find the full list of currently available currencies, cut-off times and
value dates, in the Payment Transaction Brochure
<https://lloydsbank.com/payment-transaction-brochure?elqTrackId=166ce83263ea4f049a0b1cd8e96a5d85&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13306&elqak=8AF584FF4B16C819A6F89BC8214DCE2FF85616464AD7725EC312FE9655DF42234388>
We’ll reflect any changes to our available currencies, cut off times and
value dates in this brochure in the coming months.New payment options for international payments
You’ll be able to make payments to all jurisdictions (including the European
Economic Area (EEA)) using all three charging codes below on Online for
Business. There’ll be more options for payments to the EEA, including
through Commercial Banking Online, in 2026. <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B6a3a7fd0-ffc8-4f57-83e2-b1a285b667d0%7D_LB-O4B-table-2-desk.png> <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B2bd0f281-847d-4314-a023-6184a7f75751%7D_LB-O4B-table-2-mob.png>
If you choose OUR, we may charge you a correspondent bank fee. You’ll find
this fee in the Account Charges & Processing Times section of Your
Agreement.Make international payments in more currencies
You’ll be able to make international payments in more currencies on
Commercial Banking Online and Online for Business.
We’ve introduced some new currencies on Commercial Banking Online already
and we’ll be adding more in the coming months on both Commercial Banking
Online and Online for Business.
These new currencies will only be available on the OUR charging code. We won’t
apply any separate OUR charge. They’ll have a value date of D+2. This means
the payment will reach the beneficiary bank after two days. The cut-off time
for submitting your payments will be 16:30.New fee for International payments in branch and manual international
payments
• There’s now a single £28 fee for international payments made in branch.
This fee doesn't apply to Single Euro Payments Area (SEPA) payments, which
stay the same.•
Manual international payments will also have a single £28 fee. This fee
doesn't apply to SEPA payments, which stay the same.You’ll no longer be able to make international payments by phone
We’ve closed our international payments phone service.
You’ll need to use Online for Business, Commercial Banking Online or go to
one of our branches.Using Halifax branches
You can now use any Halifax branch to pay in and withdraw money.
The same terms apply as they do in any Lloyds Bank branch. You can find
these in Your Agreement.New overdraft fee
We’ll charge a fee of £12 a month if you don’t have an authorised overdraft
and your account goes into an unauthorised overdraft of more than £12.
We’ll notify you, and we’ll continue to charge one fee per month for as long
as your account remains in an unauthorised overdraft and you don’t have an
authorised overdraft in place.
If your account comes out of an unauthorised overdraft and later goes back
into one without an authorised overdraft in place, the fee may apply again
in a future month.How we charge for authorised overdrafts of up to £5,000
We're changing how we charge for overdrafts up to £5,000.
Instead of a usage fee, we’ll now charge a monthly fee every month for
authorised overdrafts up to £5,000.
If you take out an authorised overdraft, you’ll receive an overdraft
facility letter giving you full details of the fees you may have to pay in
connection with an authorised overdraft.
If you already have an authorised overdraft with a limit of up to £5,000, we
may have sent you a separate letter about this change. Your overdraft
facility letter may already include the new fee. If you don't have an
authorised overdraft but take one out before 10 December 2025, your
overdraft facility letter will include the new fee.
To understand what we mean by authorised and unauthorised overdrafts, please
see the definitions in your Account Charges & Processing Times brochure. Not
all our business accounts include the option of an authorised overdraft. For
more details, please check your Product Specific Conditions. <https://www.lloydsbank.com/?elqTrackId=f6558bbc7b0a49fca06a6c6a3da91b0c&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF50057460AE50B39C5609DBCC16E5267E516464AD7725EC312FE9655DF42234388>
<https://www.lloydsbank.com/business/contact-us?elqTrackId=55a6df7bae80436589f4c65577a03a0b&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF538280F03BCD58EACEA81356762B1E02516464AD7725EC312FE9655DF42234388>
Contact Us |
<https://www.lloydsbank.com/business/privacy?elqTrackId=ed75740a18ca4cb3b68a8f614d35a20d&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5552803253CA00DE2876CA5921A6497D116464AD7725EC312FE9655DF42234388>
Privacy Policy |
<https://www.lloydsbank.com/business/retail-business/suspicious-emails-and-text?elqTrackId=9703f546666f40cd9bf13a88ba0452fc&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5CE5DE0313E9ECD714527E74E956C96B716464AD7725EC312FE9655DF42234388>
Email Security
<https://www.facebook.com/lloydsbankbusiness/?elqTrackId=09119c1ad5bc449a8546583cb2011c29&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5AFB8836DC41C7FF2F5B0BD9135B7A7F716464AD7725EC312FE9655DF42234388>
<https://twitter.com/lloydsbankbiz?elqTrackId=20dc633592af407bbd8e0c3c8cd6883e&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5324BEF248A4A0F330A2E52B1F2FC9D7016464AD7725EC312FE9655DF42234388>
<https://uk.linkedin.com/company/lloyds-bank-business-commercial?elqTrackId=495461af23dc4c5691a8d2d962154050&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF52A1D0556A7274EA1C03E456EB119B89F16464AD7725EC312FE9655DF42234388>
<https://www.instagram.com/lloydsbankbusiness/?elqTrackId=1522fcb7c08c440b863938b8ed7e3483&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5B725718DC201A888232B70F0E23F339916464AD7725EC312FE9655DF42234388>
<https://www.youtube.com/user/lloydsbankcb?elqTrackId=0134066489454ad9b9d6a51764a5341d&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5DDB334732FD31FB3477ADC816EB07CFC16464AD7725EC312FE9655DF42234388>
Security Information
Please note that Lloyds Bank NEVER send emails that ask for confidential or
security information. We’ll never send you an email asking for your logon
details or direct you to a webpage that asks for this information. Visit our
online security pages
<https://www.lloydsbank.com/business/fraud.html?elqTrackId=79d29b7355e04ff38c0d47f47f3fa021&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5CE4CA9F9EB80E8E9AF13012DBB3D89E016464AD7725EC312FE9655DF42234388>
for more details.
Please note that sending data by email isn’t secure. Others could read it.
To help us improve the emails we send you, we collect basic information from
your device such as when you open the emails. For more information, please
read our Cookies Policy
<https://www.lloydsbank.com/help-guidance/legal-information/privacy/cookies.html?elqTrackId=0f1d42cb60de41028425549ec0b3d352&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5C760D3C23DD8B3A384C65BDF94242F6416464AD7725EC312FE9655DF42234388>
.
Our service promise
Business help and support - We aim to provide you with a high level of
service. If you have a query our Help & Support pages can help:
lloydsbank.com/business/help
<https://lloydsbank.com/business/help?elqTrackId=8f3abcafa0f644599c90acc162f34360&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF582B9BD5DCC4DAEB21F2E6C0A998819CB16464AD7725EC312FE9655DF42234388>
If your hearing or speech is impaired – you can use the Relay UK Service.
You can find more information about the Relay UK Service at:
www.relayuk.bt.com/
<https://www.relayuk.bt.com/?elqTrackId=2b6cc4a3d946415098b099c28fc598fa&elq=cf80176ddee9486c87e100b6ea333d56&elqaid=5166&elqat=1&elqCampaignId=1133&elqcst=272&elqcsid=13505&elqak=8AF5D846C32269C9A75DB09FC5D32B143BD116464AD7725EC312FE9655DF42234388>
Keeping your money protected – Eligible deposits with us are protected by
the Financial Services Compensation Scheme (FSCS). We are covered by the
Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS
eligibility criteria not all business customers will be covered.
Things you need to know
We don’t charge you for the Mobile Banking app but any applicable account
transaction charges will still apply. You should also check with your mobile
operator as they may charge you for certain services such as downloading or
using the app. You will need a smartphone running iOS or Android. The app is
not compatible with some older versions of the operating systems – check the
Apple App Store or Google Play for more details. Online for Business
registration required. Services may be affected by phone signal and
functionality. Use of Mobile Banking is subject to our Online for Business
Terms and Conditions.
Calls and online sessions may be monitored and/or recorded for quality
evaluation, training and to ensure compliance with laws and regulations. Not
all Telephone Banking services are available 24 hours a day, 7 days a week.
Occasionally we may need to carry out essential maintenance, resulting in
some interruption to service.
We send communications like this, either for legal reasons or to let you
know about changes to your accounts or services.
The Post Office® and Post Office logo are registered trademarks of the Post
Office Ltd.
Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered
Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales
no. 2065. Telephone: 0207 626 1500. Authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority under Registration Number 119278.
This information is correct as of September 2025 and is relevant to Lloyds
Bank plc products and services only. <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif>
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.m_footerButton{padding:24px 0px !important;border-bottom:1px solid =
#fffffe}
.m_footerButton_last{border-bottom: none !important}
.m_footerArrow{display: block !important}
=09
/* Gmail overrides */
u~div .g_h {display: none !important}
u~div .m_minwunset {min-width: unset !important; padding-left: 24px =
!important; padding-right: 24px !important}
u~div .NMS_B_cell {width:100% !important; min-width: 100% !important; =
padding-bottom: 8px}
u~div .m_plr64 {padding-left: 24px !important; padding-right: 24px =
!important}
u~div .g_nobg_rnd {background-image: none !important; =
border-radius:16px !important; padding-top: 32px}
u~div .g_nobg_rnd_upper {background-image: none !important; =
border-radius:16px 16px 0 0 !important; padding-top: 32px}
u~div .g_nobg {background-image: none !important; padding-top: 32px}
u~div .g_bgnone {background-image: none !important}
}
@-webkit-keyframes bugfix{
from{padding:0}
to{padding:0}
}
@media yahoo {
*{-ms-overflow-y:hidden!important;-ms-overflow-x:hidden!important}
.y_bsbb{box-sizing:border-box !important}
}
@media (prefers-color-scheme: dark) {
.d_lightText {color: #fffffe !important;-webkit-text-fill-color: =
#fffffe !important}
.d_darkText {color: #000001 !important;-webkit-text-fill-color: =
#000001 !important}
}
/* Outlook.com dark mode overrides */
[data-ogsc] .d_lightText{color:#fffffe !important; =
-webkit-text-fill-color: #fffffe !important}
[data-ogsc] .d_darkText{color:#000001 !important; =
-webkit-text-fill-color: #000001 !important}
[data-ogsb] .cta_ghost{border:1px solid #FFFFFE !important; color: =
#FFFFFE !important}
[data-ogsb] .darkmode_img {display: block !important}
[data-ogsb] .lightmode_img {display: none !important}
</style>
<style>
/* Gmail Dark Mode overrides */
@media only screen and (max-width:480px) {
u ~ div .g_blend_screen {background:#000; mix-blend-mode:screen}
u ~ div .g_blend_difference {background:#000; =
mix-blend-mode:difference}
u ~ div .m_footerButton_last {border-bottom: none !important}
}
</style>
<style>
.m_footerButton_last\0{border-bottom: none!important}
.oa_dib {display: inline-block !important}
@media (min-resolution: 1dpi) and (max-width:480px) {
.oa_h\0 {display: none!important}
.oa_w6pc\0 {width: 6%!important}
.oa_w29pc\0 {width: 29%!important}
.oa_w46pc\0 {width: 46%!important}
.oa_w61pc\0 {width: 61%!important}
.oa_w85pc\0 {width: 85%!important}
}
</style>
<!--[if gte mso 16]>
<style>
.keep-white {
mso-style-textfill-type:gradient;
mso-style-textfill-fill-gradientfill-stoplist:"0 \#FFFFFF 0 =
100000\,100000 \#FFFFFF 0 100000";
color:#000000 !important;
}
.keep-black {
mso-style-textfill-type:gradient;
mso-style-textfill-fill-gradientfill-stoplist:"0 \#000000 1 =
100000\,99000 \#000000 1 100000";
color:#ffffff !important;
}
</style>
<![endif]-->
<!--[if gte mso 9]>
<style type=3D"text/css">
v\:* { behavior: url(#default#VML); display:inline-block}
o\:* { behavior: url(#default#VML); }
</style>
<xml>
<o:OfficeDocumentSettings>
<o:PixelsPerInch>96</o:PixelsPerInch>
</o:OfficeDocumentSettings>
</xml>
<xml>
<w:WordDocument xmlns:w=3D"urn:schemas-microsoft-com:office:word">
<w:DontUseAdvancedTypographyReadingMail/>
</w:WordDocument>
</xml>
<![endif]-->
<!--[if gt mso 15]>
<style type=3D"text/css" media=3D"all">
/* Outlook 2016 Height/Pagebreak Fix */
table, tr, td {border-collapse: collapse}
tr { font-size:0px; line-height:0px; border-collapse: collapse; }
</style>
<![endif]-->
<!--[if !mso]><!-- custom fonts -->
<!-- Lloyds FONT DECLARATION - 'GUL and GUS' -->
<link =
href=3D"https://image.CommercialEmails.lloydsbank.com/Web/LloydsBankingGr=
oup/{a727e539-e23d-4078-b0a5-6242fada62ff}_LB_budapest_base64_fonts.css" =
rel=3D"stylesheet">
<style>
/* FOR HEADINGS ONLY*/
.f_GUL_U{font-family:'GT Ultra Lloyds =
Ultra',arial,helvetica,sans-serif !important; font-weight:800 =
!important}
.f_GUL_BK{font-family:'GT Ultra Lloyds =
Black',arial,helvetica,sans-serif !important; font-weight:700 =
!important}
.f_GUL_B{font-family:'GT Ultra Lloyds Bold',arial,helvetica,sans-serif =
!important; font-weight:600 !important}
.f_GUL_R{font-family:'GT Ultra Lloyds =
Regular',arial,helvetica,sans-serif !important; font-weight:400 =
!important}
.f_GUL_T{font-family:'GT Ultra Lloyds Thin',arial,helvetica,sans-serif =
!important; font-weight:300 !important}
/* FOR BODY COPIES AND CTAS*/
.f_GUS_B{font-family:'GT Ultra Sans Bold',arial,helvetica,sans-serif =
!important; font-weight:600 !important}
.f_GUS_R{font-family:'GT Ultra Sans =
Regular',arial,helvetica,sans-serif !important; font-weight:400 =
!important}
.f_GUS_L{font-family:'GT Ultra Sans Light',arial,helvetica,sans-serif =
!important; font-weight:300 !important}
</style>
<!--KINETIC ENABLER-->
<link =
href=3D"https://image.CommercialEmails.lloydsbank.com/Web/LloydsBankingGr=
oup/{25e5ce9f-a6f3-4598-ba36-5ca1b7341d8f}_kinetic_enabler.css" =
rel=3D"stylesheet">
<!--<![endif]-->
</head>
<body class=3D"m_w100pc f_GUS_R body" id=3D"body" bottommargin=3D"0" =
leftmargin=3D"0" rightmargin=3D"0" topmargin=3D"0" style=3D"border: 0px =
none; padding:0px; margin: 0px; text-align:center; font-size: 0px; =
line-height: 0; font-family: arial,helvetica,sans-serif; =
background-color:#f1f1f1; position:relative">
<div style=3D"width:100%; height:100%; background-color:#f1f1f1; =
overflow:visible; font-size:0; line-height:0" class=3D"">
<!-- [H1a] Header - preheader and security text (racing green) -->
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#024731" =
style=3D"margin:auto; width:600px; background-color:#024731">
<tbody><tr>
<td class=3D"m_w100pc f_GUS_B" align=3D"left" style=3D"padding:16px; =
font-size:0; line-height:0; background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px; font-weight:bold">
What’s new - from 10 December 2025
<div =
style=3D"mso-hide:all;display:none;max-height:0px;overflow:hidden;line-he=
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
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=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
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=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
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=C2=AD =C2=AD =C2=AD=20
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
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=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD </div>
</td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:16px; font-size:0; =
line-height:0" class=3D"">
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" style=3D"margin:auto">
<tbody><tr>
<td width=3D"24" style=3D"padding-right: 8px">
<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
<img class=3D"darkmode_img" alt=3D"tick icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_ico=
n_DM.png" width=3D"24" style=3D"width: 24px; min-width:24px; =
height:auto; mso-hide:all; display:none; margin:0 auto">
</div>
<img class=3D"lightmode_img" alt=3D"tick icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bf565ab22-da75-4951-8537-1cf33ff70358%7D_header_ico=
n_fill_024731.png" width=3D"24" style=3D"width: 24px; min-width:24px; =
height:auto">
</td>
<td class=3D"f_GUS_R m_w100pc" align=3D"left" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px">
We want you to recognise a fraudulent email if you receive one, =
so we'll always include the last four digits of an account you hold =
with us: ****3506.
</td>
</tr>
</tbody></table>
</td>
</tr>
</tbody></table>
=20
=20
<!-- HERO -->
<!-- [2d] Hero (Business and Commercial) - secondary full width =
layout with H2 and CTA -->
<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#C7FFC6; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px; font-size:0; line-height:0" =
valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" height=3D"48" style=3D"padding-bottom:32px" =
valign=3D"middle">
<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none"><a =
href=3D"https://www.lloydsbank.com/business/home.html?elqTrackId=3D83c5fa=
ab2112451f82546c2c5e91e550&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13235&elqak=3D=
8AF5C0C1F266BE00F3D9FB3036A60FD84B6516464AD7725EC312FE9655DF42234388" =
target=3D"_blank" title=3D"Lloyds Bank"><img alt=3D"Lloyds Bank Logo" =
class=3D"darkmode_img" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B0be62af5-90dd-46d2-8543-ca0eff2183c8%7D_LB_Logo_Ho=
rse_Mark_DM.png" style=3D"width: 48px; height: auto; mso-hide:all; =
display:none; font-size:12px; line-height:16px; color:#000001; =
font-family:arial,helvetica,sans-serif" width=3D"48" /> </a></div>
<a =
href=3D"https://www.lloydsbank.com/business/home.html?elqTrackId=3D286bad=
fbfd944bea8868e0c58a369bf5&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13235&elqak=3D=
8AF52E85FDB296C038EC45EF3CABBA9E88F716464AD7725EC312FE9655DF42234388" =
target=3D"_blank" title=3D"Lloyds Bank"><img alt=3D"Lloyds Bank Logo" =
class=3D"lightmode_img" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B7f1afa01-b00e-4ae1-a9fa-28cae40b2739%7D_LB_Logo_Ho=
rse_Mark_C7FFC6.png" style=3D"width:48px; display:block; height:auto; =
font-size:12px; line-height:16px; color:#000001; =
font-family:arial,helvetica,sans-serif" width=3D"48" /> </a></td>
<td align=3D"right" height=3D"48" style=3D"padding-bottom:32px" =
valign=3D"middle">
<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none"><a =
href=3D"https://www.lloydsbank.com/business/home.html?elqTrackId=3D8ce3d3=
967e58493aab419a99d29b572e&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13235&elqak=3D=
8AF56C1CEC82EE6BDF0E32B0E91FD5EC0DEB16464AD7725EC312FE9655DF42234388" =
target=3D"_blank" title=3D"Lloyds Bank"><img alt=3D"Business and =
Commercial" class=3D"darkmode_img" height=3D"48" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B1ea59c03-d769-436e-a0c6-fedbd251ca03%7D_signpost_b=
us_com_rev.png" style=3D"height:48px; width: auto; mso-hide:all; =
display:none; font-size:12px; line-height:16px; color:#000001; =
font-family:arial,helvetica,sans-serif" /> </a></div>
<a =
href=3D"https://www.lloydsbank.com/business/home.html?elqTrackId=3Ddb93cc=
509b7b4276812238e048a16030&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13235&elqak=3D=
8AF586F63467F73889062C4F07410C19374116464AD7725EC312FE9655DF42234388" =
target=3D"_blank" title=3D"Lloyds Bank"><img alt=3D"Business and =
Commercial" class=3D"lightmode_img" height=3D"48" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B5977ad36-0055-4b96-b812-9371f1da55c9%7D_signpost_b=
us_com_C7FFC6.png" style=3D"height:48px; width: auto; font-size:12px; =
line-height:16px; color:#000001; font-family:arial,helvetica,sans-serif" =
/> </a></td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUL_R m_w100pc" colspan=3D"2" =
style=3D"color:#000001; font-family:arial,helvetica,serif; =
font-size:48px; mso-line-height-rule:exactly; line-height:52px; =
letter-spacing:-0.02em;" valign=3D"top">Your terms and conditions are =
changing from 10 December 2025</td>
</tr>
</tbody>
</table>
<!--[if gte mso 15]><br /> <![endif]--></td>
</tr>
</tbody>
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc m_hauto" style=3D"margin:auto; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" style=3D"font-size:0; line-height:0" =
valign=3D"top"><img alt=3D"Arrow bell phone illustration" class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B15f5fae8-19df-4e1d-9cfe-80226107ce34%7D_LB-O4B-He=
ro-bell-arrows-phone.png" style=3D"width:600px; height:auto; =
color:#000001; font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:400px; text-align:center" width=3D"600" /> <!--[if =
!mso]><!-- mobile image --> <img alt=3D"Arrow bell phone illustration" =
class=3D"m_d_b m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B15f5fae8-19df-4e1d-9cfe-80226107ce34%7D_LB-O4B-He=
ro-bell-arrows-phone.png" style=3D"display:none; height:auto; =
width:100%" width=3D"300" /> <!--<![endif]--></td>
</tr>
</tbody>
</table>
=20
<!-- INTRO -->
<!-- [3a] Text - introduction / salutation -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px; font-size:0; line-height:0" =
valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">You’ll see =
changes to your terms and conditions from <strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">10 December 2025</strong>. There’s a Guide to =
Changes included further down the email that explains all the updates =
we’re making. Most updates take effect on that date unless =
we’ve shown a different date in the Guide. Please set aside some =
time to read this, keep it safe and share with anyone else who needs to =
be aware.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 1 -->
<!-- [3c] Text - Icon overlap - full width -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"width:600px; margin:auto; background-color:#fffffe" =
width=3D"600"><!--[if !mso]><!-- non-outlook -->
<tbody>
<tr>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:268px"> </td>
<td class=3D"m_w50pc" height=3D"64" rowspan=3D"2" =
style=3D"height:64px; width:64px; text-align:center" width=3D"64"><img =
alt=3D"Search transactions icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bfdda1c20-66ef-4768-aaf0-ba97227cec8e%7D_LB-icon-S=
earchTransactions-Outline-VibrantGreen-64w-2x.png" style=3D"width: 64px; =
min-width: 64px; height: auto; z-index:3; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:132px; text-align:center" width=3D"64" /></td>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:268px"> </td>
</tr>
<tr>
<td bgcolor=3D"#024731" class=3D"m_w100pc" colspan=3D"3" =
height=3D"32" style=3D"background-color:#024731; height:32px; =
width:auto"> </td>
</tr>
<!--<![endif]--><!--[if gte mso 9]>
<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" =
style=3D"width:600px; height:32px; z-index:-1" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif=
"/>
<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" style=3D"top:0px; =
left:268px; width:64px; height:64px; z-index:2; position:relative" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bfdda1c20-66ef-4768-aaf0-ba97227cec8e%7D_LB-icon-S=
earchTransactions-Outline-VibrantGreen-64w-2x.png""/>
<![endif]-->
</tbody>
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" style=3D"width:600px; margin:auto" width=3D"600">
<tbody>
<tr>
<td bgcolor=3D"#024731" colspan=3D"3" style=3D"background:#024731; =
padding:24px 32px 0px 32px; mso-padding-alt: 56px 32px 0px 32px" =
valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"center" class=3D"m_w100pc f_GUL_R" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:30px; mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em;">The key changes</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [3d] Text - Icon overlap - inset coloured box -->
<table align=3D"center" bgcolor=3D"#024731" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" height=3D"64" =
style=3D"width:600px; margin:auto; background-color:#024731" =
width=3D"600">
<tbody>
<tr>
<td class=3D"m_p16" style=3D"padding:32px" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; width:536px" =
width=3D"536">
<tbody>
<tr>
<td bgcolor=3D"#fffffe" colspan=3D"3" style=3D"background:#fffffe; =
padding:24px 24px 24px 24px; mso-padding-alt: 24px 0px 24px 0px; =
border-radius: 16px" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:488px" width=3D"488">
<tbody>
<tr>
<td valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Some fees and charges are changing</strong> – =
in future, you could pay more for some services, such as:</td>
</tr>
<tr>
<td colspan=3D"2" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; width: =
5px; padding-top:10px; padding-left: 20px; padding-right: 10px;" =
valign=3D"top" width=3D"5">•</td>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; =
padding-top:10px;">If you have or take out an authorised overdraft of up =
to £5,000.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; width: =
5px; padding-top:10px; padding-left: 20px; padding-right: 10px;" =
valign=3D"top" width=3D"5">•</td>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; =
padding-top:10px;">If you don’t have an authorised overdraft and =
your account goes into an unauthorised overdraft of more than =
£12.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; width: =
5px; padding-top:10px; padding-left: 20px; padding-right: 10px;" =
valign=3D"top" width=3D"5">•</td>
<td align=3D"left" class=3D"f_GUS_R" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; =
padding-top:10px;">If we return an unpaid item to you.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">We're updating our international payment services</strong> =
— adding more payment options, increasing our range of currencies =
and extending cut-off times on our existing ones. We’ve also =
removed the phone service.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’ve updated some product and service specific =
conditions. They’re now simpler and easier to read. There’s =
more about which ones in the Guide.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re proud to be part of the same family as =
Halifax and Bank of Scotland. You can now visit any of our branches to =
do your everyday banking.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" colspan=3D"2" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:30px; mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em;">Other important changes we’re making that =
you should read in the Guide include:</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">Changes to the notice period we’ll give you if =
we need to close your account or end a payment service.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">Delaying payments you’ve asked to make if we =
suspect fraud.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">Refunds for micro-enterprises and small charities =
affected by certain scams.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:20px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">When =
we can immediately end our agreement with you.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" colspan=3D"2" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D32=
002a52f42849be9e85396d8f068a8a&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13241&el=
qak=3D8AF5DB2BBD7FEA973EE6BCE41483ED078EB316464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Read your new terms and =
conditions">Read your new terms and conditions</a></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [19a] Pattern divider - tritone colour-way -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc m_hauto" style=3D"margin:auto; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" bgcolor=3D"#fffffe" =
style=3D"background-color:#fffffe" valign=3D"top"><img alt=3D"Divider =
pattern" class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B19879a3c-5c6d-45a9-816a-96e87bb3d610%7D_LB-divide=
r-EG-top.png" style=3D"width:600px; height: auto" width=3D"600" /></td>
</tr>
<tr>
<td align=3D"center" bgcolor=3D"#C7FFC6" =
style=3D"background-color:#C7FFC6" valign=3D"top"><img alt=3D"Divider =
pattern" class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B44b4c88b-171e-4726-97c3-fc373930121f%7D_LB-divide=
r-EG-bottom.png" style=3D"width:600px; height: auto" width=3D"600" =
/></td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 2 -->
<!-- [6a] Icon bullet - Standard (ticks) -->
<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#C7FFC6; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px; =
font-size:0; line-height:0" valign=3D"top" class=3D"">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td valign=3D"top">
<table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0">
<tbody>
<tr>
<td style=3D"" =
valign=3D"top" width=3D"24"><img alt=3D"info icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B987cea11-b76f-4241-8f09-9187fe1fe7eb%7D_LB-icon-I=
nfo-24w-2x.png" style=3D"display: block; width:24px; height:auto" =
width=3D"24"></td>
<td align=3D"left" =
class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-left: =
12px"><span class=3D"f_GUS_B" style=3D"font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; font-weight: =
bold;">Check your account and overdraft still works for =
you</span><br>
<br>
When we make changes, you =
should check you=E2=80=99re still happy with your account and =
overdraft. If you are then there=E2=80=99s nothing for you to do, your =
new account terms and conditions will start automatically. If you don't =
want to accept them, you can ask us to close your account or end your =
overdraft
without charge before the changes are made. Just let us know before 26 =
November 2025 and we can help you with that too. You=E2=80=99ll still =
need to pay any remaining charges in full on your account and pay back =
your overdraft before you close or end it, plus any outstanding interest =
and fees. </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 3 -->
<!-- [5a] Text with overlapping illustration on grey background - =
50:50 image right -->
<table align=3D"center" bgcolor=3D"#f1f1f1" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#f1f1f1; width:600px" =
width=3D"600">
<tbody>
<tr>
<td bgcolor=3D"#fffffe" class=3D"m_p0 m_nobg" style=3D"font-size:0; =
line-height:0; padding:64px 0px 32px 0px; background-color:#fffffe; =
direction:rtl"><!--[if mso | ie]><table width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0"><tr><td valign=3D"top"><![endif]-->
<div class=3D"m_d_b" style=3D"display:flex; justify-content: center">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:228px; =
direction:ltr" width=3D"228">
<tbody>
<tr>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:32px"> </td>
<td class=3D"m_w50pc m_p0" height=3D"64" rowspan=3D"2" =
style=3D"height:64px; width:132px; text-align:center; =
padding-right:32px" width=3D"132"><img alt=3D"Chat icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B5b11f240-8de2-4fcc-b2e3-c7acdb1c0f6c%7D_LB-illust=
-Chatbot-132w-2x.png" style=3D"width:132px; min-width:132px; height: =
auto; z-index:3; color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:132px; text-align:center" width=3D"132" =
/></td>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:32px"> </td>
</tr>
<tr style=3D"mso-hide:all">
<td bgcolor=3D"#fffffe" class=3D"m_w100pc" colspan=3D"3" =
height=3D"100" style=3D"background-color:#fffffe; height:100px; =
width:auto"> </td>
</tr>
</tbody>
</table>
<!--[if mso | ie]></td><td valign=3D"top"><![endif]-->
<table align=3D"left" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc m_mauto m_fnone" =
style=3D"width:372px; background-color:#fffffe; direction:ltr" =
width=3D"372">
<tbody>
<tr>
<td class=3D"m_p32 m_pt24" style=3D"padding:0px 32px; font-size: =
0; line-height: 0">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width: 308px; =
mso-table-lspace:0px; mso-table-rspace:0px" width=3D"308">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:40px; =
letter-spacing:-0.02em">We’re here to help and support you</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If =
you’d like to talk to us or have any other questions, please call =
us on 0345 072 5555 we’ll be happy to help.<br />
<br />
We’re here between 8am and 6pm, Monday to Friday, and =
from 9am to 2pm on Saturday. Closed on UK public holidays.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
<!--[if mso | ie]></td></tr></table><![endif]--><!--[if gte mso =
15]><br /> <![endif]--></td>
</tr>
</tbody>
</table>
<!-- [12a] Signature -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;width: 600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" class=3D"m_plr16" style=3D"padding:0px 32px 16px =
32px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td style=3D"background-color:#f1f1f1; padding:16px 24px; =
border-radius:16px" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
text-decoration:none;">Yours sincerely,<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001">John =
Ramage</strong><br />
Head of Accounts & Deposits</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 4 -->
<!-- [3e] Text - Illustration overlap - full width -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"width:600px; margin:auto; background-color:#fffffe" =
width=3D"600"><!--[if !mso]><!-- non-outlook -->
<tbody>
<tr>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:268px"> </td>
<td class=3D"m_w50pc" height=3D"64" rowspan=3D"2" =
style=3D"height:64px; width:64px; text-align:center" width=3D"64"><img =
alt=3D"Arrows illustration" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bad656697-17f3-451c-9c2b-8b9718ceb4a1%7D_LB-illust=
-Switching-Arrows-132w-2x.png" style=3D"width:132px; min-width:132px; =
height: auto; z-index:3; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:132px; text-align:center" width=3D"132" /></td>
<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:268px"> </td>
</tr>
<tr>
<td bgcolor=3D"#024731" class=3D"m_w100pc" colspan=3D"3" =
height=3D"100" style=3D"background-color:#024731; height:100px; =
width:auto"> </td>
</tr>
<!--<![endif]--><!--[if gte mso 9]>
<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" =
style=3D"width:600px; height:32px; z-index:-1" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif=
"/>
<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" style=3D"top:0px; =
left:234px; width:132px; height:132px; z-index:2; position:relative" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bad656697-17f3-451c-9c2b-8b9718ceb4a1%7D_LB-illust=
-Switching-Arrows-132w-2x.png""/>
<![endif]-->
</tbody>
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" style=3D"width:600px; margin:auto" width=3D"600">
<tbody>
<tr>
<td bgcolor=3D"#024731" colspan=3D"3" style=3D"background:#024731; =
padding:24px 32px 0px 32px; mso-padding-alt: 124px 32px 0px 32px" =
valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"center" class=3D"m_w100pc f_GUL_B" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:48px; mso-line-height-rule:exactly; line-height:52px; =
font-weight: bold; letter-spacing:-0.02em">Guide to Changes</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; text-decoration:none; =
padding-top:24px">We’ll apply any changes to your account charges =
from December 2025.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUL_B" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; font-weight: bold; =
letter-spacing:-0.02em; padding-top:24px">Your terms and conditions =
explained</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; text-decoration:none; =
padding-top:24px">The terms and conditions are in three sections. =
Together they form <span class=3D"f_GUL_B" style=3D"font-weight: =
bold;">Your Agreement</span> with us:</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [6a] Icon bullet - Standard (ticks) -->
<table align=3D"center" bgcolor=3D"#024731" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#024731; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:24px 32px 32px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" style=3D"margin:auto; =
width:536px" width=3D"536">
<tbody>
<tr>
<td valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td style=3D"" valign=3D"top" width=3D"24"><img alt=3D"one =
image" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B61702b6c-72bb-4ada-8bdd-910b1bd8c361%7D_LB-icon-n=
umber-1-24w-2x.png" style=3D"display: block; width:24px; height:auto" =
width=3D"24" /></td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-left: =
12px"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">General Conditions</strong> – this includes key information =
about your relationship with us.</td>
</tr>
<tr>
<td style=3D"padding-top:16px" valign=3D"top" width=3D"24"><img =
alt=3D"two image" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B6e3c1bf9-112b-46a5-a5a5-a6bdc26124e6%7D_LB-icon-n=
umber-2-24w-2x.png" style=3D"display: block; width:24px; height:auto" =
width=3D"24" /></td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-left: 12px"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Product Specific Conditions</strong> – these are additional =
terms and conditions that apply to the particular type of account you =
hold.</td>
</tr>
<tr>
<td style=3D"padding-top:16px" valign=3D"top" width=3D"24"><img =
alt=3D"three image" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bae9dfe1a-fd6d-4fd5-8604-3d84fc2a7887%7D_LB-icon-n=
umber-3-24w-2x.png" style=3D"display: block; width:24px; height:auto" =
width=3D"24" /></td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-left: 12px"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Account Charges & Processing Times</strong> – this =
covers our charges and provides information about payments such as how =
long they’ll take to reach the person you want to pay.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; text-decoration:none; =
padding-top:24px"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D87=
8e83f20572482bb1587193dfba7f6a&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13264&el=
qak=3D8AF5E6A7EAC886C5A798048B6077E663ED5D16464AD7725EC312FE9655DF4223438=
8" style=3D"color:#fffffe; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your new terms and =
conditions">Your new terms and conditions</a></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 5 -->
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em;">General Conditions changes</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 1000px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_1_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_1_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_1_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Notice we give for =
terminations will be longer and we’re updating suspension =
rights</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ll be =
changing the notice period that we will give to you if we are closing =
your account or terminating a payment service. From <span =
class=3D"f_GUL_B" style=3D"font-weight: =
bold;">28 April 2026</span>, the notice period will increase =
from two months to 90 days, unless there are situations where we can =
terminate immediately or on a different notice period.<br />
<br />
We’ll update the termination and suspension rights in =
<span class=3D"f_GUL_B" style=3D"font-weight: bold;">Your =
Agreement</span>, to make it clearer when we can either terminate or =
suspend your account or payment service. These changes also take effect =
on 28 April 2026.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_2_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_2_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header f_GUL_R m_hauto" height=3D"72" =
style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height:72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_2_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">We may delay payments if =
we suspect fraud</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">If we suspect =
fraud in a payment you ask us to make to another UK account, we may =
delay the payment for up to four Business Days while we ask you for more =
information. We won't delay longer than we need to and will refund =
you any charges or interest you have to pay as a result of the payment =
being delayed.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_3_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_3_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_3_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Refunds for =
micro-enterprises and small charities for Authorised Push Payment (APP) =
scams</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">A =
micro-enterprise is a business that employs less than ten people and has =
an annual turnover and/or balance sheet of two million Euros or less, or =
equivalent value. The General Conditions explain more about what a =
micro-enterprise is.<br />
<br />
We've updated our terms and conditions to reflect that =
we'll pay you back for APP scams if you're a micro-enterprise or =
a small charity - where you’re tricked into transferring money to =
a fraudster through a bank transfer. For example, they may pose as a =
solicitor you’re dealing with in a property purchase and give you =
bank details of an account they control.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_4_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_4_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_4_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">When we can end our =
agreement with you and close your account</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ve =
added an additional circumstance where we can terminate our agreement =
with you immediately.<br />
<br />
If you don't provide ‘know your customer’ =
information when we ask for it, we'll issue a notice to close. =
We've clarified that we can also immediately close any new accounts =
you apply for in the period from us issuing the notice, and the original =
account being closed.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_5_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_5_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_5_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Both you and us are Data =
Controllers under Data Protection laws</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’re =
adding wording to explain that, in most cases, we expect both of us to =
be “Data Controllers” under data protection laws. This means =
we’re both responsible for personal data when we provide banking =
products to you.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_6_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_6_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_6_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">We’ve clarified how =
our Foreign Exchange Rate works</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ve =
made it clearer that we’ll use the <strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Lloyds Bank Foreign Exchange Rate</strong> when you make or =
receive payments in a different currency from your account — =
unless we’ve agreed to use a different rate with you.<br />
<br />
We’re also making it clearer that when you exchange =
foreign currency, we add the rate available to us when we obtain these =
currencies, plus a margin. The margin is the difference between the =
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Lloyds Bank Foreign Exchange Rate</strong> you pay and the rate =
available to us for these currencies.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_7_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_7_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"120" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 120px; =
mso-padding-alt:0px 24px 0px 24px"><label for=3D"region_7_control" =
style=3D"display:block; cursor: pointer; padding:24px 60px 24px =
24px">Customers that aren’t micro-enterprises or small charities - =
We can convert payments unless you ask us not to</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">The Payment =
Services Regulations contain lots of requirements about payment =
accounts, but we don’t need to apply all of these requirements to =
our customers that aren’t micro-enterprises or small charities. =
These are called corporate opt-outs.<br />
<br />
We’re applying a corporate opt-out to Regulation 57 of =
the Payment Services Regulations. This means that unless you’ve =
asked us not to, we, or a correspondent bank acting on our behalf may =
convert payments made to a beneficiary account in a currency that is =
different to the currency in the payment instruction. Where we convert =
payments, we'll let you know the exchange rate used. Where our =
correspondent converts, we'll let you know the exchange rate used =
where this information is made available to us.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_8_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_8_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_8_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">We’re no longer =
monitored by the Lending Standards Board</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We've =
removed reference to the Standards of Lending Practice as we’re no =
longer subscribed to the Lending Standards Board.<br />
<br />
If you use any services shown in the Product Specific =
Conditions section of the Guide, these updates will also apply.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_9_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_9_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_9_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">When we will and =
won’t be responsible for money you lose</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px;">We’re including information =
about when we will and won’t be responsible for money you lose. If =
you’re making a claim against us because you’ve lost money, =
we won’t be responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top: 24px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top: 24px">money =
you lose which isn’t directly linked to the incident leading you =
to claim against us. This applies whether or not we could have =
reasonably foreseen that you would lose that money; and</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px; padding-bottom: 24px;" =
valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-bottom: 24px;">any loss of profit, loss of business, loss of =
goodwill or any form of special damages.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_10_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_10_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_10_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Letting you know about =
changes to interest rates</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">When =
there’s a change to an interest rate because of a reference rate =
change, we’ll let you know by updating our website within five =
business days.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_11_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_11_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_11_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Refunds and what happens =
if something goes wrong</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’re =
including a section called ‘What happens if something goes =
wrong?’ This covers how we can help you and what you need to do if =
something goes wrong with a payment. Your right to a refund will depend =
on lots of things, such as what has gone wrong and whether you’re =
a micro-enterprise or not.<br />
<br />
We're applying an additional corporate opt-out to =
Regulations 75 and 77 of the Payment Services Regulations. This means =
that if you're not a micro-enterprise or small charity, you =
won't have full refund rights for unauthorised payments.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_12_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_12_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_12_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">What happens when cheque =
payments go wrong</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’re =
updating the wording about what happens if a cheque payment goes wrong =
and how we’ll refund you if we make a mistake.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_13_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_13_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_13_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Ending Your =
Agreement</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We now make it =
clear that we can end Your Agreement for additional reasons. For =
example, where there are anti-money laundering reasons, where a pension =
scheme is wound up, where you cease to be a corporate entity or where =
you don’t tell us about a change in the ownership of your business =
in advance. We’ll update the termination and suspension rights in =
your terms and conditions again with effect from 28 April 2026.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
<!-- [X5] LINE DIVIDER -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"1" style=3D"margin:auto; width:600px; =
background-color:#fffffe" width=3D"600">
<tbody>
<tr>
<td style=3D"padding:0px 30px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; width:540px" width=3D"540">
<tbody>
<tr>
<td class=3D"d_bt1px_grey" style=3D"height:0px; font-size:0px; =
line-height:0px; border-top:1px solid #e6e6e6; =
box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 6 -->
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em;">Product Specific Conditions changes</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px;">We’ve updated product and service specific =
conditions. They’re now simpler and easier to read. We’ve =
listed which ones and the links to them. If you use any of these =
services, read the ones relevant to you and share with anyone else who =
needs to be aware.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 1000px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_14_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_14_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_14_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to Business Debit =
Card, Cashpoint and Keycard</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We're adding =
details about electronic wallets. From next year, you’ll be able =
to store your Business Debit Card in one place and make payments through =
it.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’ve removed your user guide as information =
about Business Debit Card, Cashpoint and Keycard has been moved to your =
Product Specific Conditions and our website.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">For =
business accounts with one authorised signatory, you can now apply for =
new Business Debit Cards online. For more details on how to apply, visit =
our website. We'll make this available for multi-sign businesses in =
2026.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">Daily =
cash machine withdrawal limits are no longer listed in your Product =
Specific Conditions; you’ll find them on our website.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If you =
need to block an authorised user’s use of the Business Debit Card, =
please contact us directly.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If =
your account closes, we may end your Business Debit Card service =
immediately.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D88=
7f3f452ffe45c6ae33d573a5934499&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13280&el=
qak=3D8AF51F8D69C0F1BE448AFCF1A32073B6B23816464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms ">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
<!-- [X5] LINE DIVIDER -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"1" style=3D"margin:auto; width:600px; =
background-color:#fffffe" width=3D"600">
<tbody>
<tr>
<td style=3D"padding:0px 30px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; width:540px" width=3D"540">
<tbody>
<tr>
<td class=3D"d_bt1px_grey" style=3D"height:0px; font-size:0px; =
line-height:0px; border-top:1px solid #e6e6e6; =
box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 7 -->
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em;">Bulk Cash Services</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 2500px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_15_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_15_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_15_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to Carrier Cash =
Direct Service</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Changing your account</strong><br />
In future, to use a different account for this service, =
you’ll need to write to us. We’ll update our records within =
10 business days.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Changing your premises address</strong><br />
If you're moving, let us know at least 10 business days =
before you change premises. Contact your relationship team (if you have =
one) or get in touch in the usual way.<br />
<br />
If you don’t tell us this way, we can’t take =
responsibility if anything goes wrong. Once we’re told, =
we’ll update our records within 10 business days.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities </strong><br />
We’re making it clearer what we will and won’t be =
responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re not =
responsible for any problems with cash delivery or issues caused by your =
agreement with the carrier or anything else outside our control.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If =
money gets lost or stolen while we or our subcontractors have it, =
we’ll pay you back up to £7,500 for each deposit or =
collection.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">Apart =
from the above, our total liability in a year is limited to the amount =
you’ve paid us for the service during that time.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3Db5=
f60111cbcd4aef8ee6014dedf9265e&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13286&el=
qak=3D8AF59C82B2FAD3284A3134163E5A52FB228316464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms ">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_16_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_16_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_16_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to Bulk Cash Till =
Service</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Changing locations</strong><br />
To change a location used for the service, you’ll need to =
tell us at least 10 business days in advance using the form we give you. =
If you don’t use the form or don’t tell us, we won’t =
be responsible for any lost money. We’ll update our records within =
10 business days of receiving your request.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities</strong><br />
We’re making it clearer what we will and won’t be =
responsible for:<br />
<br />
We’re responsible for making sure your account reflects =
the amount shown in the daily balance certificate from the security =
company.<br />
<br />
We’re not responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">collecting, delivering, =
or processing the cash. These activities are managed by the security =
company.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">any =
lost money or issues caused by the security company or your agreement =
with them.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D24=
c8a066ebc247af99ef7b91fa2c891c&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13286&el=
qak=3D8AF537AB56B7EDE7FCA693DBFFFFF763555016464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms ">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_17_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_17_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_17_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to the Bulk Cheque =
Processing Service and Branch Delivery Service </label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Our responsibilities for both services </strong><br =
/>
We’re making it clearer what we will and won’t be =
responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re only =
responsible for losses related to the service. If something goes wrong, =
the most we’ll pay is any refund we’re legally required to =
give, plus up to 150% of the charges you’ve paid us for the bulk =
cheque processing service in that 12-month period (or less, if used for =
a shorter time).</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re not responsible for losses caused by fraud =
or if the service isn’t used as set out in the Product Specific =
Conditions or other instructions we’ve given you.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Need =
more stationery?</strong><br />
We’ve updated our contact details. Email the Bulk =
Stationery Team at: corp.bulkstationery@lloydsbanking.com<br />
<br />
<a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3Da2=
ffd0bbc30149cf8b94d0b80257f8b9&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13286&el=
qak=3D8AF5AC383F28720C033737DA83A6D760D55F16464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms ">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_18_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_18_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_18_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to the Premier =
Direct Cash Service </label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Changing your account</strong><br />
In future, to use a different account for this service, =
you’ll need to write to us. We’ll update our records within =
10 business days.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Changing your premises address</strong><br />
If you're moving, let us know at least 10 business days =
before you change premises. Contact your relationship team (if you have =
one) or get in touch in the usual way. If you don’t tell us this =
way, we can’t take responsibility if something goes wrong. =
We’ll check the new address is eligible for cash delivery or =
collection. If it is, we’ll update our records within 10 business =
days.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Resolving queries and discrepancies</strong><br />
We now aim to resolve general queries within three business =
days and discrepancies within five business days, regardless of the =
money involved.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities</strong><br />
We’re making it clearer what we will and won’t be =
responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re not =
responsible for any loss, damage, or claims related to cash delivery or =
your agreement with the carrier.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re only responsible if money is lost or =
stolen while it’s with us or our sub-contractors. In that case, =
we’ll reimburse you.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">Apart =
from that, our total liability in any 12-month period is limited to what =
you paid us for the service during that time.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D38=
204f635dcb4072bedc1382702028e2&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13286&el=
qak=3D8AF5F36BCAE6FA37F9F1A14C56F8402AD99F16464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms ">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
<!-- [X5] LINE DIVIDER -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"1" style=3D"margin:auto; width:600px; =
background-color:#fffffe" width=3D"600">
<tbody>
<tr>
<td style=3D"padding:0px 30px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; width:540px" width=3D"540">
<tbody>
<tr>
<td class=3D"d_bt1px_grey" style=3D"height:0px; font-size:0px; =
line-height:0px; border-top:1px solid #e6e6e6; =
box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 8 -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em; =
">E-Payments services</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 2500px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_19_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_19_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_19_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to the Bacstel-IP =
Service</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Bacstel-IP Direct and Indirect submitters</strong><br =
/>
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Definitions</strong><br />
We’re making some of the definitions in the =
“Meaning of words we use” section clearer.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities</strong><br />
We’re making it clearer what we will and won’t be =
responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re only =
responsible for losses related to the service or how we provide or =
expect to provide the service under these Product Specific Conditions =
and/or your use of the service. If something goes wrong, the most =
we’ll pay is any refund we’re legally required to give, plus =
up to £5,000 or the fees you paid us during that period, whichever =
is higher.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If you =
lose money due to Bacs, we’ll only cover what we can recover from =
them.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">We’re not responsible for:</strong></td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">losses caused by misuse =
of the service or if you or your contacts don’t follow the Product =
Specific Conditions.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">lost =
profits, lost business, lost goodwill, or indirect losses even if they =
were foreseeable. This applies even if the issue involves software, or =
third party software, contract or warranty breaches, negligence or any =
other legal reason someone might be held responsible for harm or loss, =
even if they didn’t mean to cause it or weren’t =
careless.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;">Need any help with this service?<br />
We’re updating our contact details. If you need help with =
the service, email us at GRPBACSCOR@lloydsbanking.com or call 0345 982 =
5325, or use any other number we give you.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Notice of service changes</strong><br />
We’re updating how much notice we give before making =
changes. The General Conditions explains more about this. If Bacs =
requires us to make a change straightaway, we’ll give you as much =
notice as they allow.<br />
<br />
<a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3Dfc=
4fe8f6d66d43638076962f86203e56&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13292&el=
qak=3D8AF50A4B0BB8DDC698D45565A867564BFF8516464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms including your =
charges">Your updated Terms including your charges</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_20_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_20_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_20_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to PCO Pay and Pay =
and Collect Online (PCO)</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;"><strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Definitions</strong><br />
We’re making some of the definitions in the =
“Meaning of words we use” section clearer.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Notice of service changes</strong><br />
We’re updating how much notice we give before making =
changes. The General Conditions explains more about this. If Bacs =
requires us to make a change straightaway, we’ll give you as much =
notice as they allow.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Confidential information</strong><br />
You must keep all service-related and Bacs information =
confidential, including anything shared by Bacs or its members.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities for PCO Pay</strong><br />
We’re making it clearer what we will and won’t be =
responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re only =
responsible for losses related to the service or how we provide or =
expect to provide the service under these Product Specific Conditions. =
If something goes wrong, the most we’ll pay is any refund =
we’re legally required to give, plus up to £5,000 or the =
fees you paid us during that period, whichever is higher.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If we =
use a third party to help provide the service, they won’t be =
responsible for more than we are.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If =
your loss is due to Bacs, we’ll only be responsible for what we =
can recover from Bacs.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">You’re responsible for any loss we suffer if you =
or any contacts breach these Product Specific Conditions.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We're not responsible if you lose money caused by =
faulty equipment used by you, your agents, or subcontractors, or if you =
use our service in a way that’s not recommended, authorised, or =
intended — or if you break any laws while using it.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold">Our =
responsibilities for Pay & Collect Online (PCO)</strong><br />
We’re now clearer about when we’re responsible if =
something goes wrong.</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re only =
responsible for losses directly related to the service. If something =
goes wrong, the most we’ll pay is any refund we’re legally =
required to give, plus up to £5,000 or the fees you paid us during =
that period, whichever is higher.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re not responsible for losses or damage =
caused by network or communication failures.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">If any =
loss you suffer relates to Bacs, we’re only responsible for what =
we can recover from the Bacs scheme.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;">You’re responsible for:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">any losses, costs =
(including VAT), damages, liability or claims (even if caused by =
negligence) we suffer, if you or a PCO user breaches <strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">Your Agreement</strong> or misuses the service.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">any =
data entered into the service by you or on your behalf. We’re not =
responsible for errors in that data or how it’s entered.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business-account-terms?elqTrackId=3D16=
a6cbcc97114387ba2cb9c12e4c9b11&elq=3Dcf80176ddee9486c87e100b6ea333d56&elq=
aid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13292&el=
qak=3D8AF57CF3A3B87107555520BCB14ABBCC63A616464AD7725EC312FE9655DF4223438=
8" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Your updated Terms">Your updated =
Terms</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_21_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_21_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_21_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to Public Key =
Infrastructure (PKI)</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We've made =
some small changes to our Digital Identification Service PKI Customer =
Agreement and Digital Identification Service Reference Document. These =
changes include updates from a third-party supplier about security =
procedures.<br />
<br />
<a class=3D"f_GUS_B" =
href=3D"https://www.lloydsbank.com/business/corporate-banking/commercial-=
terms/pki-agreement.html?elqTrackId=3Dbeafe872df0d4b98873553a668e5f110&el=
q=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=3D1&elqCampaignI=
d=3D1133&elqcst=3D272&elqcsid=3D13292&elqak=3D8AF5718B2F9CB8733C2832727A0=
1385806CB16464AD7725EC312FE9655DF42234388" style=3D"color:#000001; =
font-weight: bold; text-decoration: underline" target=3D"_blank" =
title=3D"Your new documents">Your new documents</a></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
<!-- [X5] LINE DIVIDER -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"1" style=3D"margin:auto; width:600px; =
background-color:#fffffe" width=3D"600">
<tbody>
<tr>
<td style=3D"padding:0px 30px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; width:540px" width=3D"540">
<tbody>
<tr>
<td class=3D"d_bt1px_grey" style=3D"height:0px; font-size:0px; =
line-height:0px; border-top:1px solid #e6e6e6; =
box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 9 -->
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em; =
">International Cash Management (ICM)</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; padding-bottom: 24px; padding-top: 16px;">The =
following ICM changes apply to:</td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:13px; mso-text-raise:-6px; =
width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">‘Requests for =
Transfers’ (MT101/pain.001)</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#0BE248; =
font-family:arial,helvetica,sans-serif; font-size:36px; =
mso-line-height-rule:exactly; line-height:13px; mso-text-raise:-6px; =
width: 24px; padding-top:16px" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">‘Customer Statement Messages’ =
(MT940/camt.053)</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 1500px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_22_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_22_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_22_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Some changes to our ICM =
fees and where to find them</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"center" style=3D"font-size:0px; line-height:0px; =
padding: 0px 0px 24px 0px;" valign=3D"top"><img alt=3D"table image" =
class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B0c67a374-5b1a-4f02-bf6b-b24a7aaae79c%7D_LB-O4B-ta=
ble-3-desk.png" style=3D"width:488px; height:auto; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:300px; text-align:center" width=3D"488" /> <!--[if =
!mso]><!-- mobile image --> <img alt=3D"table image" class=3D"m_d_b =
m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B325fa11b-e9b0-4892-9480-0b74b34252e8%7D_LB-O4B-ta=
ble-3-desk-1.png" style=3D"display:none; height:auto; width:100%" =
width=3D"300" /> <!--<![endif]--></td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_23_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_23_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_23_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Our responsibilities for =
‘Requests for Transfers’ or ‘Customer Statement =
Messages’ services</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We have made it =
clear what we’re responsible for when it comes to ‘Requests =
for Transfers’ and ‘Customer Statement Messages’.<br =
/>
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Request for Transfers – outward and inward</strong></td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">Your refund rights for =
transfers are explained in the General Conditions. Beyond that, =
we’re not responsible for issues with outward or inward transfer =
requests.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px">For =
inward transfers, we’re not liable if you or the forwarding bank =
make a mistake, are late, or fail to send the request.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re not bound by any promises made by our =
employees or agents unless confirmed in writing.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-top: 24px; padding-bottom: =
24px;"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">Customer Statement Messages – outward and =
inward</strong></td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">We’re not bound =
by any promises made by our employees or agents unless confirmed in =
writing.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">We’re only responsible for losses caused by our =
fraud, negligence, or wilful default.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px; padding-bottom: 24px;" =
valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-bottom: 24px">For inward messages, we simply pass on information =
from the forwarding bank — we don’t control its accuracy and =
aren’t responsible if it’s wrong.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_24_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_24_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_24_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Updates to ICM documents =
</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ve =
updated the International Cash Management Product and Service Specific =
Conditions to make them simpler and easier to read. This includes =
updates to our charging schedules. If you’d like copies of these, =
contact us in the usual way or the Onboarding Team.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_24c_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_24c_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_24c_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Our payment definitions =
will be clearer</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’re =
making our payment definitions clearer to match ISO 20022, the =
international standard for exchanging payment data. This means =
you’ll see changes to message names and how we describe charges on =
our documents.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
<!-- [X5] LINE DIVIDER -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"1" style=3D"margin:auto; width:600px; =
background-color:#fffffe" width=3D"600">
<tbody>
<tr>
<td style=3D"padding:0px 30px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; width:540px" width=3D"540">
<tbody>
<tr>
<td class=3D"d_bt1px_grey" style=3D"height:0px; font-size:0px; =
line-height:0px; border-top:1px solid #e6e6e6; =
box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
=20
<!-- MODULE 10 -->
<!-- [3b] Text - H2, H4, copy and CTA -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe; width:600px" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:32px 32px 0px 32px; font-size:0; =
line-height:0" valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;width:536px" width=3D"536">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUL_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:30px; =
mso-line-height-rule:exactly; line-height:34px; letter-spacing:-0.02em; =
">Account Charges and Processing Times changes</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0"><!--[if !mso]><!-- -->
<style type=3D"text/css">label#kineticEnabler~.NMSlider .k_d_b {display: =
block !important}
.collapse .collapse_control+.collapse_outer .collapse_inner =
{transition: max-height 250ms ease-in-out; height: auto; max-height: 0; =
overflow: hidden}
.collapse .collapse_control:checked+.collapse_outer .collapse_inner =
{max-height: 2500px}
.collapse .collapse_outer .collapse_header {position: relative}
.collapse .collapse_outer .collapse_header label {position: =
relative; z-index: 2}
.collapse .collapse_outer .collapse_header:after {
content: '';
position: absolute;
width: 32px;
height: 100%;
right: 20px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B0c28a770-a921-42cd-a53e-332f03432bda%7D_accordion_ar=
row_up.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
transform: rotate(180deg);
transition: transform 150ms ease-out;
}
#accordion_var1 .collapse_header:after {
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7B2f3555a3-a151-461c-b4b1-7662c6f1b614%7D_accordion_ar=
row_vibrant_32px_up.png') !important; background-size: 32px 32px =
!important; right: 24px !important
}
.collapse .collapse_outer .accordion_icon:after {
right: 28px;
}
.collapse .collapse_outer .accordion_icon:before {
content: '';
position: absolute;
width: 48px;
height: 100%;
left: 32px;
top: 0;
z-index: 1;
background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Bfda78081-e4b2-459a-8c7a-837641b11d75%7D_accordion_ic=
on_question_vibrant.png');
background-repeat: no-repeat;
background-position: center center;
background-size: 48px 48px;
}
.collapse .collapse_outer .light_bg:after {background-image: =
url('https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/L=
loydsBankingGroup/%7Beff7ad26-c571-4234-8ec9-8344ded9d551%7D_collapseChev=
ron_2x_Racing.png') !important}
.collapse .collapse_control:checked+.collapse_outer =
.collapse_header:after {transform: rotate(0deg)}
.& .collapse .collapse_inner {max-height: unset !important}
body[data-outlook-cycle] .collapse .collapse_inner {max-height: =
unset !important}
.moz-text-html .collapse .collapse_inner {max-height: unset =
!important}
[class~=3D"x_collapse"] [class~=3D"x_collapse_inner"] =
{max-height:unset !important}
@media only screen and (max-width:480px) {
.collapse .collapse_outer .collapse_header label {
padding:20px 70px 20px 24px !important;
}
.accordion_b .collapse_outer .collapse_header label {
padding:32px 78px 32px 0px !important;
}
}
</style>
<style type=3D"text/css">/* OUTLOOK APP OVERRIDES */
.collapse .collapse_inner\0 {
max-height: unset !important;
}
</style>
<label id=3D"kineticEnabler" style=3D"font-size:0; line-height:0; =
max-height:0px; display:block; height:0; margin:0; =
position:absolute"> </label> <!--<![endif]-->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_plr16" style=3D"padding:32px">
<form id=3D"accordion_var1"><!--[if !mso]>--><input =
class=3D"collapse_control" id=3D"region_25_control" style=3D"height:0; =
width:0; position:absolute; visibility:hidden; display:none" =
type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_25_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_25_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Returned Item =
Fee</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">Our Returned =
Item Fee will go up from £7 to £11.50.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_26_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_26_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_26_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">We’ll charge for =
stopping cheques</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">From <strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">1 December 2025</strong>, we’ll be =
able to charge £10 if you ask us to stop a cheque for any reason. =
We’ll contact you before any charges begin.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_27_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_27_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_27_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Changes when paying in =
cheques and cash </label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">From <strong =
class=3D"f_GUS_B" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold">1 November 2025</strong>, you’ll be =
able to pay cheques into your account by post. You can find more details =
about this on our website.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px; padding-bottom: 24px;" =
valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-bottom: 24px;">From <strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: =
bold">31 December 2025</strong>, the Post Office® will no =
longer accept cheques. You can still pay cash into your account at a =
Post Office® using your debit card. This will appear in your account =
straightaway.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_28_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_28_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_28_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Text alerts for account =
balances and payments are being removed</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’re =
removing Business Text Alerts from your terms and conditions. This means =
we’ll no longer accept new registrations. If you already have text =
alerts set up, they’ll continue for now.<br />
<br />
To check your account balance and transactions, you can use the =
Business Mobile Banking app or log in to Online for Business.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_29_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_29_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_29_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Later cut-off times for =
foreign currency payments</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">Send money with =
later currency cut-off times and improved value dates—giving you =
more flexibility and faster payments.</td>
</tr>
<tr>
<td align=3D"center" style=3D"font-size:0px; line-height:0px; =
padding: 0px 0px 24px 0px;" valign=3D"top"><img alt=3D"table image" =
class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bc308efbf-b4bd-42d4-bcd9-a5276756dfea%7D_LB-O4B-ta=
ble-1-desk.png" style=3D"width:488px; height:auto; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:300px; text-align:center" width=3D"488" /> <!--[if =
!mso]><!-- mobile image --> <img alt=3D"table image" class=3D"m_d_b =
m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B95c94e47-071a-4ad4-9961-d9f0bed726dd%7D_LB-O4B-ta=
ble-1-mob.png" style=3D"display:none; height:auto; width:100%" =
width=3D"300" /> <!--<![endif]--></td>
</tr>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">Cut off times for file =
imports will be 20 minutes earlier than the above times.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px;" valign=3D"top" =
width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px;">Cut =
off times for manual payments will be around an hour earlier than =
above.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px; padding-bottom: 24px;" =
valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-bottom: 24px;">The time difference between cut off times and =
manual payment times will stay the same.</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">You can find =
the full list of currently available currencies, cut-off times and value =
dates, in the <a class=3D"f_GUS_B" =
href=3D"https://lloydsbank.com/payment-transaction-brochure?elqTrackId=3D=
166ce83263ea4f049a0b1cd8e96a5d85&elq=3Dcf80176ddee9486c87e100b6ea333d56&e=
lqaid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13306&=
elqak=3D8AF584FF4B16C819A6F89BC8214DCE2FF85616464AD7725EC312FE9655DF42234=
388" style=3D"color:#000001; font-weight: bold; text-decoration: =
underline" target=3D"_blank" title=3D"Payment Transaction =
Brochure">Payment Transaction Brochure</a><br />
<br />
We’ll reflect any changes to our available currencies, =
cut off times and value dates in this brochure in the coming =
months.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_30_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_30_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_30_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">New payment options for =
international payments</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">You’ll be =
able to make payments to all jurisdictions (including the European =
Economic Area (EEA)) using all three charging codes below on Online for =
Business. There’ll be more options for payments to the EEA, =
including through Commercial Banking Online, in 2026.</td>
</tr>
<tr>
<td align=3D"center" style=3D"font-size:0px; line-height:0px; =
padding: 0px 0px 24px 0px;" valign=3D"top"><img alt=3D"table image" =
class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B6a3a7fd0-ffc8-4f57-83e2-b1a285b667d0%7D_LB-O4B-ta=
ble-2-desk.png" style=3D"width:488px; height:auto; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:300px; text-align:center" width=3D"488" /> <!--[if =
!mso]><!-- mobile image --> <img alt=3D"table image" class=3D"m_d_b =
m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B2bd0f281-847d-4314-a023-6184a7f75751%7D_LB-O4B-ta=
ble-2-mob.png" style=3D"display:none; height:auto; width:100%" =
width=3D"300" /> <!--<![endif]--></td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">If you choose =
OUR, we may charge you a correspondent bank fee. You’ll find this =
fee in the Account Charges & Processing Times section of Your =
Agreement.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_31_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_31_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_31_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Make international =
payments in more currencies</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">You’ll be =
able to make international payments in more currencies on Commercial =
Banking Online and Online for Business.<br />
<br />
We’ve introduced some new currencies on Commercial =
Banking Online already and we’ll be adding more in the coming =
months on both Commercial Banking Online and Online for Business.<br />
<br />
These new currencies will only be available on the OUR charging =
code. We won’t apply any separate OUR charge. They’ll have a =
value date of D+2. This means the payment will reach the beneficiary =
bank after two days. The cut-off time for submitting your payments will =
be 16:30.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_32_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_32_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_32_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">New fee for International =
payments in branch and manual international payments </label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td class=3D"m_p0_24" valign=3D"top">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px;" valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px;">There’s now a =
single £28 fee for international payments made in branch. This fee =
doesn't apply to Single Euro Payments Area (SEPA) payments, which =
stay the same.</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; width: 24px; padding-top:16px; padding-bottom: 24px;" =
valign=3D"top" width=3D"24">•</td>
<td align=3D"left" class=3D"f_GUS_R" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-bottom: 24px;">Manual international payments will also have a =
single £28 fee. This fee doesn't apply to SEPA payments, which =
stay the same.</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_33_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_33_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_33_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">You’ll no longer be =
able to make international payments by phone</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ve =
closed our international payments phone service.<br />
<br />
You’ll need to use Online for Business, Commercial =
Banking Online or go to one of our branches.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_34_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_34_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_34_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">Using Halifax branches =
</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">You can now use =
any Halifax branch to pay in and withdraw money.<br />
<br />
The same terms apply as they do in any Lloyds Bank branch. You =
can find these in Your Agreement.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_35_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_35_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"72" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 72px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_35_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">New overdraft =
fee</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We’ll =
charge a fee of £12 a month if you don’t have an authorised =
overdraft and your account goes into an unauthorised overdraft of more =
than £12.<br />
<br />
We’ll notify you, and we’ll continue to charge one =
fee per month for as long as your account remains in an unauthorised =
overdraft and you don’t have an authorised overdraft in place.<br =
/>
<br />
If your account comes out of an unauthorised overdraft and =
later goes back into one without an authorised overdraft in place, the =
fee may apply again in a future month.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
<!-- SPACER 24PX -->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"24" width=3D"100%">
<tbody>
<tr>
<td style=3D"height:1px; font-size:1px; line-height:1px; =
padding-top:23px; box-sizing:content-box"> </td>
</tr>
</tbody>
</table>
<!--[if !mso]>--> <input class=3D"collapse_control" =
id=3D"region_36_control" style=3D"height:0; width:0; position:absolute; =
visibility:hidden; display:none" type=3D"checkbox" /> <!--<![endif]-->
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"collapse_outer" id=3D"region_36_region" style=3D"width:100%; =
cursor: pointer; border-radius:16px; overflow: hidden">
<tbody>
<tr>
<td class=3D"collapse_header two_lines f_GUL_R m_hauto" =
height=3D"96" style=3D"background-color:#f1f1f1; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-align:left; =
letter-spacing:-0.02em; display:block; height: 96px; mso-padding-alt:0px =
24px 0px 24px"><label for=3D"region_36_control" style=3D"display:block; =
cursor: pointer; padding:24px 60px 24px 24px">How we charge for =
authorised overdrafts of up to £5,000</label></td>
</tr>
<tr>
<td style=3D"font-size:0; line-height:0; =
background-color:#f1f1f1">
<div class=3D"collapse_inner">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:488px" =
width=3D"488">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R m_p24 " =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom: 24px;">We're =
changing how we charge for overdrafts up to £5,000.<br />
Instead of a usage fee, we’ll now charge a monthly fee =
every month for authorised overdrafts up to £5,000.<br />
<br />
If you take out an authorised overdraft, you’ll receive =
an overdraft facility letter giving you full details of the fees you may =
have to pay in connection with an authorised overdraft.<br />
<br />
If you already have an authorised overdraft with a limit of up =
to £5,000, we may have sent you a separate letter about this =
change. Your overdraft facility letter may already include the new fee. =
If you don't have an authorised overdraft but take one out before =
10 December 2025, your overdraft facility letter will include =
the new fee.<br />
<br />
To understand what we mean by authorised and unauthorised =
overdrafts, please see the definitions in your Account Charges & =
Processing Times brochure. Not all our business accounts include the =
option of an authorised overdraft. For more details, please check your =
Product Specific Conditions.</td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</form>
</td>
</tr>
</tbody>
</table>
</div>
=20
=20
=20
<!-- FOOTER -->
<!-- [F1a] Footer - Non-retail, BCB and CIB use ONLY (B2B) -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc m_hauto" =
style=3D"margin:auto; width:600px; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"center" style=3D"font-size:0px line-height:0px" =
valign=3D"top"><a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3Df6558bbc7b0a49fca06a6c6a=
3da91b0c&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=3D1&e=
lqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D8AF50057460AE50B=
39C5609DBCC16E5267E516464AD7725EC312FE9655DF42234388" =
style=3D"text-decoration:none; display: block" target=3D"_blank" =
title=3D"Lloyds Bank"><img alt=3D"Lloyds Bank Logo" class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bdfe7b319-0a74-4ef4-bba3-34217e2718f2%7D_footer_log=
o_lloyds_horiz_pos_B2B_desk_u2.png" style=3D"width:600px; height: auto; =
display: block; color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:338px; text-align:center" width=3D"600" /> =
<!--[if !mso]><!-- mobile image --> <img alt=3D"Lloyds Bank Logo" =
class=3D"m_d_b m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B712d384d-6417-4a60-b6c8-85af4ff88151%7D_footer_log=
o_lloyds_horiz_pos_B2B_mob_u2.png" style=3D"display:none; height:auto" =
/> <!--<![endif]--> </a></td>
</tr>
</tbody>
</table>
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" style=3D"margin:auto; width: 600px" width=3D"600">
<tbody>
<tr>
<td align=3D"center" class=3D"m_p0 m_hauto" height=3D"88" =
style=3D"vertical-align:top; font-size:0px; line-height:0px; =
background-image:linear-gradient(#024731,#024731)" =
valign=3D"top"><!--[if gte mso 9]>
<v:rect fillcolor=3D"none" stroked=3D"false" =
style=3D"width:600px;height:92px;z-index:-1;position:relative; left:0; =
top:0">
<v:fill type=3D"frame" size=3D"450pt,69pt" opacity=3D"1" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spacer-024=
731.png"/></v:rect>
<![endif]-->
<table align=3D"center" =
background=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/=
clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spa=
cer-024731.png" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"88" style=3D"margin:auto; =
background:url('https://image.CommercialEmails.lloydsbank.com/EloquaImage=
s/clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_s=
pacer-024731.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.CommercialEmails.lloydsbank.com/Eloqu=
aImages/clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07=
e%7D_spacer-024731.png'); background-size:100% 100%; width:600px; =
height: 88px; vertical-align:top">
<tbody>
<tr>
<td valign=3D"top">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc">
<tbody>
<tr>
<td class=3D"m_p0_24" style=3D"padding:32px 32px 32px 32px; =
mso-padding-alt: 32px 0px 32px 0px">
<div class=3D"m_d_b" style=3D"display: flex; align-items: =
center; justify-content: center">
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:0 auto; =
vertical-align:top">
<tbody>
<tr class=3D"g_blend_screen">
<td class=3D"m_footerButton g_blend_difference"><a =
class=3D"f_GUL_R m_tal d_lightText" =
href=3D"https://www.lloydsbank.com/business/contact-us?elqTrackId=3D55a6d=
f7bae80436589f4c65577a03a0b&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=
=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=
=3D8AF538280F03BCD58EACEA81356762B1E02516464AD7725EC312FE9655DF42234388" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:20px; mso-line-height-rule:exactly; line-height:24px; =
text-decoration:none; letter-spacing:-0.02em; display: block" =
target=3D"_blank" title=3D"Contact Us"><span class=3D"keep-white =
d_lightText">Contact Us</span> <!--[if !mso]>--> <img align=3D"right" =
class=3D"m_footerArrow" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav=
_arrow_neg.png" style=3D"width: 24px; min-width: 24px; height: auto; =
display: none; mso-hide:all" width=3D"24" /> <!--<![endif]--> </a></td>
<td class=3D"f_GUL_R m_h d_lightText" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:20px; line-height:24px"><span class=3D"keep-white =
d_lightText"> | </span></td=
>
</tr>
</tbody>
</table>
<!--[if mso | ie]></td><td><![endif]-->
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:0 auto; =
vertical-align:top">
<tbody>
<tr class=3D"g_blend_screen">
<td class=3D"m_footerButton g_blend_difference"><a =
class=3D"f_GUL_R m_tal d_lightText" =
href=3D"https://www.lloydsbank.com/business/privacy?elqTrackId=3Ded75740a=
18ca4cb3b68a8f614d35a20d&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D=
8AF5552803253CA00DE2876CA5921A6497D116464AD7725EC312FE9655DF42234388" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:20px; mso-line-height-rule:exactly; line-height:24px; =
text-decoration:none; letter-spacing:-0.02em; display: block" =
target=3D"_blank" title=3D"Privacy Policy"><span class=3D"keep-white =
d_lightText">Privacy Policy</span> <!--[if !mso]>--> <img =
align=3D"right" class=3D"m_footerArrow" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav=
_arrow_neg.png" style=3D"width: 24px; min-width: 24px; height: auto; =
display: none; mso-hide:all" width=3D"24" /> <!--<![endif]--> </a></td>
<td class=3D"f_GUL_R m_h d_lightText" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:20px; line-height:24px"><span class=3D"keep-white =
d_lightText"> | </span></td=
>
</tr>
</tbody>
</table>
<!--[if mso | ie]></td><td><![endif]-->
<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:0 auto; =
vertical-align:top">
<tbody>
<tr class=3D"g_blend_screen">
<td class=3D"m_footerButton m_footerButton_last =
g_blend_difference"><a class=3D"f_GUL_R m_tal d_lightText" =
href=3D"https://www.lloydsbank.com/business/retail-business/suspicious-em=
ails-and-text?elqTrackId=3D9703f546666f40cd9bf13a88ba0452fc&elq=3Dcf80176=
ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=3D1&elqCampaignId=3D1133&el=
qcst=3D272&elqcsid=3D13505&elqak=3D8AF5CE5DE0313E9ECD714527E74E956C96B716=
464AD7725EC312FE9655DF42234388" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; text-decoration:none; =
letter-spacing:-0.02em; display: block" target=3D"_blank" title=3D"Email =
Security"><span class=3D"keep-white d_lightText">Email Security</span> =
<!--[if !mso]>--> <img align=3D"right" class=3D"m_footerArrow" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav=
_arrow_neg.png" style=3D"width: 24px; min-width: 24px; height: auto; =
display: none; mso-hide:all" width=3D"24" /> <!--<![endif]--> </a></td>
<td class=3D"m_h" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:0px; =
line-height:20px"> </td>
</tr>
</tbody>
</table>
</div>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"center" class=3D"m_hauto" height=3D"89" =
style=3D"vertical-align:top; font-size:0px; line-height:0px; =
background-image:linear-gradient(#323233,#323233)" =
valign=3D"top"><!--[if gte mso 9]>
<v:rect fillcolor=3D"none" stroked=3D"false" =
style=3D"width:600px;height:89px;z-index:-1;position:relative; left:0; =
top:0">
<v:fill type=3D"frame" size=3D"450pt,67pt" opacity=3D"1" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_spacer_323=
233.png"/></v:rect>
<![endif]-->
<table align=3D"center" =
background=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/=
clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_spa=
cer_323233.png" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" height=3D"60" style=3D"margin:auto; =
background:url('https://image.CommercialEmails.lloydsbank.com/EloquaImage=
s/clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_s=
pacer_323233.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.CommercialEmails.lloydsbank.com/Eloqu=
aImages/clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd4=
3%7D_spacer_323233.png'); background-size:100% 100%; width:600px; =
height: 89px; vertical-align:top">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:24px 0px">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"margin:auto; vertical-align:top">
<tbody>
<tr>
<td><a =
href=3D"https://www.facebook.com/lloydsbankbusiness/?elqTrackId=3D09119c1=
ad5bc449a8546583cb2011c29&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D=
8AF5AFB8836DC41C7FF2F5B0BD9135B7A7F716464AD7725EC312FE9655DF42234388" =
style=3D"text-decoration: none" target=3D"_blank" =
title=3D"Facebook"><img alt=3D"Facebook" border=3D"0" height=3D"32" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bae158741-78e1-4147-aad6-0c612da511a0%7D_social_ico=
n_FB_light_sk_c.png" style=3D"height:32px; width:auto; color: #fffffe; =
text-align:center; font-size: 12px; line-height: 24px" /> </a></td>
<td class=3D"m_pl30" style=3D"width:1px; font-size:1px; =
line-height:1px; padding-left:47px; box-sizing:content-box" =
width=3D"48"> </td>
<td><a =
href=3D"https://twitter.com/lloydsbankbiz?elqTrackId=3D20dc633592af407bbd=
8e0c3c8cd6883e&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=
=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D8AF5324BEF=
248A4A0F330A2E52B1F2FC9D7016464AD7725EC312FE9655DF42234388" =
style=3D"text-decoration: none" target=3D"_blank" title=3D"X =
(Twitter)"><img alt=3D"X (Twitter)" border=3D"0" height=3D"32" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B05fe43fd-9747-433d-bd29-1bc6516adec9%7D_social_ico=
n_X_light_sk_c.png" style=3D"height:32px; width:auto; color: #fffffe; =
text-align:center; font-size: 12px; line-height: 24px" /> </a></td>
<td class=3D"m_pl30" style=3D"width:1px; font-size:1px; =
line-height:1px; padding-left:47px; box-sizing:content-box" =
width=3D"48"> </td>
<td><a =
href=3D"https://uk.linkedin.com/company/lloyds-bank-business-commercial?e=
lqTrackId=3D495461af23dc4c5691a8d2d962154050&elq=3Dcf80176ddee9486c87e100=
b6ea333d56&elqaid=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqc=
sid=3D13505&elqak=3D8AF52A1D0556A7274EA1C03E456EB119B89F16464AD7725EC312F=
E9655DF42234388" style=3D"text-decoration: none" target=3D"_blank" =
title=3D"LinkedIn"><img alt=3D"LinkedIn" border=3D"0" height=3D"32" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B61eaafdd-9905-4563-9e99-b03154616eb0%7D_social_ico=
n_Linkedin_light_sk_c.png" style=3D"height:32px; width:auto; color: =
#fffffe; text-align:center; font-size: 12px; line-height: 24px" /> =
</a></td>
<td class=3D"m_pl30" style=3D"width:1px; font-size:1px; =
line-height:1px; padding-left:47px; box-sizing:content-box" =
width=3D"48"> </td>
<td><a =
href=3D"https://www.instagram.com/lloydsbankbusiness/?elqTrackId=3D1522fc=
b7c08c440b863938b8ed7e3483&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D=
5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D=
8AF5B725718DC201A888232B70F0E23F339916464AD7725EC312FE9655DF42234388" =
style=3D"text-decoration: none" target=3D"_blank" =
title=3D"Instagram"><img alt=3D"Instagram" border=3D"0" height=3D"32" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B2b921f09-d5b4-4f59-a3b1-0029a01ec0d0%7D_social_ico=
n_insta_light_sk_c.png" style=3D"height:32px; width:auto; color: =
#fffffe; text-align:center; font-size: 12px; line-height: 24px" /> =
</a></td>
<td class=3D"m_pl30" style=3D"width:1px; font-size:1px; =
line-height:1px; padding-left:47px; box-sizing:content-box" =
width=3D"48"> </td>
<td><a =
href=3D"https://www.youtube.com/user/lloydsbankcb?elqTrackId=3D0134066489=
454ad9b9d6a51764a5341d&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D51=
66&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D8A=
F5DDB334732FD31FB3477ADC816EB07CFC16464AD7725EC312FE9655DF42234388" =
style=3D"text-decoration: none" target=3D"_blank" title=3D"YouTube"><img =
alt=3D"YouTube" border=3D"0" height=3D"32" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B95c2cb6e-6ba7-4293-a2d9-216cd47cee42%7D_social_ico=
n_YouTube_light_sk_c.png" style=3D"height:32px; width:auto; color: =
#fffffe; text-align:center; font-size: 12px; line-height: 24px" /> =
</a></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"width:600px; margin:auto; background-color:#fffffe" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" class=3D"f_GUS_R" style=3D"font-size:12px; =
line-height:16px; font-family:arial,helvetica,sans-serif; color:#000001; =
padding:20px"><strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">Security Information</strong><br />
Please note that Lloyds Bank NEVER send emails that ask for =
confidential or security information. We’ll never send you an =
email asking for your logon details or direct you to a webpage that asks =
for this information. Visit our online <a =
href=3D"https://www.lloydsbank.com/business/fraud.html?elqTrackId=3D79d29=
b7355e04ff38c0d47f47f3fa021&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=
=3D5166&elqat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=
=3D8AF5CE4CA9F9EB80E8E9AF13012DBB3D89E016464AD7725EC312FE9655DF42234388" =
style=3D"color:#000001" target=3D"_blank" title=3D"security =
pages">security pages</a> for more details.<br />
<br />
Please note that sending data by email isn’t secure. Others =
could read it.<br />
<br />
To help us improve the emails we send you, we collect basic =
information from your device such as when you open the emails. For more =
information, please read our <a =
href=3D"https://www.lloydsbank.com/help-guidance/legal-information/privac=
y/cookies.html?elqTrackId=3D0f1d42cb60de41028425549ec0b3d352&elq=3Dcf8017=
6ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=3D1&elqCampaignId=3D1133&e=
lqcst=3D272&elqcsid=3D13505&elqak=3D8AF5C760D3C23DD8B3A384C65BDF94242F641=
6464AD7725EC312FE9655DF42234388" style=3D"color:#000001" =
target=3D"_blank" title=3D"Cookies Policy">Cookies Policy</a>.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">Our service promise</strong><br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">Business help and support</strong> - We aim to =
provide you with a high level of service. If you have a query our Help =
& Support pages can help: <a =
href=3D"https://lloydsbank.com/business/help?elqTrackId=3D8f3abcafa0f6445=
99c90acc162f34360&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D5166&el=
qat=3D1&elqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D8AF582B=
9BD5DCC4DAEB21F2E6C0A998819CB16464AD7725EC312FE9655DF42234388" =
style=3D"color:#000001" target=3D"_blank" =
title=3D"lloydsbank.com/business/help">lloydsbank.com/business/help</a><b=
r />
<br />
If your hearing or speech is impaired – you can use the Relay =
UK Service. You can find more information about the Relay UK Service at: =
<a =
href=3D"https://www.relayuk.bt.com/?elqTrackId=3D2b6cc4a3d946415098b099c2=
8fc598fa&elq=3Dcf80176ddee9486c87e100b6ea333d56&elqaid=3D5166&elqat=3D1&e=
lqCampaignId=3D1133&elqcst=3D272&elqcsid=3D13505&elqak=3D8AF5D846C32269C9=
A75DB09FC5D32B143BD116464AD7725EC312FE9655DF42234388" =
style=3D"color:#000001" target=3D"_blank" =
title=3D"www.relayuk.bt.com/">www.relayuk.bt.com/</a><br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">Keeping your money protected</strong> – =
Eligible deposits with us are protected by the Financial Services =
Compensation Scheme (FSCS). We are covered by the Financial Ombudsman =
Service (FOS). Please note that due to FSCS and FOS eligibility criteria =
not all business customers will be covered.<br />
<br />
<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">Things you need to know</strong><br />
We don’t charge you for the Mobile Banking app but any =
applicable account transaction charges will still apply. You should also =
check with your mobile operator as they may charge you for certain =
services such as downloading or using the app. You will need a =
smartphone running iOS or Android. The app is not compatible with some =
older versions of the operating systems – check the Apple App =
Store or Google Play for more details. Online for Business registration =
required. Services may be affected by phone signal and functionality. =
Use of Mobile Banking is subject to our Online for Business Terms and =
Conditions.<br />
<br />
Calls and online sessions may be monitored and/or recorded for =
quality evaluation, training and to ensure compliance with laws and =
regulations. Not all Telephone Banking services are available 24 hours a =
day, 7 days a week.<br />
<br />
Occasionally we may need to carry out essential maintenance, =
resulting in some interruption to service.<br />
<br />
We send communications like this, either for legal reasons or to let =
you know about changes to your accounts or services.<br />
<br />
The Post Office® and Post Office logo are registered trademarks =
of the Post Office Ltd.<br />
<br />
Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. =
Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in =
England and Wales no. 2065. Telephone: 0207 626 1500. Authorised by the =
Prudential Regulation Authority and regulated by the Financial Conduct =
Authority and the Prudential Regulation Authority under Registration =
Number 119278.<br />
<br />
This information is correct as of September 2025 and is relevant to =
Lloyds Bank plc products and services only.</td>
</tr>
</tbody>
</table>
=09
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