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Reply-To: "Lloyds Bank" <commercial.banking@lloydsbanking.com>
From: "Lloyds Bank" <info@commercialemails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Bounce Back Loan Privacy Notice
Date: Fri, 26 Mar 2021 13:06:27 +0100
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Your Bounce Back Loan Privacy Notice is being updatedWe
want you to recognise a fraudulent email if you receive one, so we will
always greet you personally using your title, last name and the last four
digits of your bank account number: 3506We
track the emails we send you. There's more detail towards the end of this
email. <http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B3721195e-5e54-4dae-915e-88a107622809%7D_desktop_BB_strip_2x.png> <http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bf98171e1-23ab-446b-a575-5fed072f0546%7D_mobile_BB_strip_2x.png>
<https://www.lloydsbank.com?elqTrackId=2a201405bcc84c6e971b3b417bfe526c&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
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Dear Mr Home
We hope your Bounce Back Loan is helping your business during this difficult
time.
This is to let you know, the British Business Bank plc (BBB) and the
Secretary of State for Business, Energy & Industrial Strategy (BEIS) are
updating their privacy notices for Covid-19 Loan Schemes and have asked us
to send the following information to you.
If you have any questions
Please go to the questions and answers section on the BBB website
<https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-schemes/data-reporting/?elqTrackId=db49f8f63a164f0b9e4e95411639a5d7&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
BBB Q&As or contact the BEIS at enquiries@beis.gov.uk
<mailto:enquiries@beis.gov.uk>
Yours sincerely
Gareth Oakley
Managing Director, Business Banking <http://image.emails.lloydsbanking.com/EloquaImages/clients/LloydsBankingG
roup2/%7B4c360f83-dcb2-4cfe-b623-9437e9d75c35%7D_BBB-logo-desk.png>
<http://image.emails.lloydsbanking.com/EloquaImages/clients/LloydsBankingGroup2/%7B64f7ecd1-177c-46a6-9455-c6e032db2faa%7D_BBB-logo-mob.png>
DEPARTMENT FOR BUSINESS, ENERGY AND INDUSTRIAL STRATEGY
BRITISH BUSINESS BANK PLC
BOUNCE BACK LOAN SCHEME / CORONAVIRUS BUSINESS INTERRUPTION LOAN SCHEME /
CORONAVIRUS LARGE BUSINESS INTERRUPTION LOAN SCHEME
Information about data
As you will be aware the Bounce Back Loan Scheme, the Coronavirus Business
Interruption Loan Scheme and the Coronavirus Large Business Interruption
Loan Scheme (the “Covid-19 Loan Schemes”) are Government initiatives to
support businesses which have been impacted by Covid-19. The Covid-19 Loan
Schemes are managed by a subsidiary of the British Business Bank plc (“BBB”)
on behalf of, and with the financial backing of, the Secretary of State for
Business, Energy & Industrial Strategy (“BEIS").
We are writing to let you know about changes to the BEIS and BBB privacy
notices. In particular, these notices have been updated to clarify the ways
customer data for the Covid-19 Loan Schemes is used and to highlight that
the data will be used for data analytics; and also for meeting reporting
obligations to the European Commission and the UK Government. Where
required, certain information about loans granted under the Covid-19 Loan
Schemes including customer data must be shared with the UK Government and
the European Commission who may publish details on their respective
transparency websites. Customer data is information which you provided to
your lender for the purpose of obtaining your loan, as well as information
about the loan.
For further information about how your data may be used, please refer to the
BEIS Privacy Notice
<https://www.gov.uk/government/publications/covid-19-loan-schemes-privacy-notice/covid-19-loan-schemes-privacy-notice?elqTrackId=07aac6c9056b47349ed898d4c7df8bcb&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
and the BBB Privacy Notice
<https://www.british-business-bank.co.uk/privacy-notice/?elqTrackId=85b2456a75634a9ba997923f847efcab&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
. The Privacy Notices can also be found on the BEIS website (see
publications - COVID-19 loan schemes) and the BBB website.
Data analytics
The COVID-19 Loan Schemes were delivered quickly to support businesses to
access finance to meet their immediate cashflow needs in response to the
pandemic. The scale, value and importance of the Schemes means it is
essential to analyse the information held by BBB and BEIS in order to
evaluate the take up and effectiveness of the schemes and to identify
potential losses and fraud risks. The data analysis uses a subset of the
loan application information such as company name, trading name, post code,
and lender demand date, to help identify potential fraudulent behaviour,
patterns and trends. BEIS is taking the lead on the data analytics programme
and will work with other government departments and law enforcement agencies
where appropriate.
For further information, please see the following note from BEIS.
Data reporting to the European Commission and the UK Government
Like some of the UK Government’s other Covid-19 business support measures,
the Covid-19 Loan Schemes are considered to be financial assistance from the
State (also known as State aid or a subsidy). To comply with State aid
rules, where required, certain information about loans and facilities
granted under the Covid-19 Loan Schemes (including the identity of
individual borrowers and the amounts borrowed under the relevant Covid-19
Loan Scheme) must be shared with the UK Government and the European
Commission who may publish details on their respective transparency
websites.
• For CBILS, there is a requirement to report and publish information about
individual aid exceeding €100,000, and above €10,000 if the Borrower
operates in the agriculture or fisheries sectors.
• For CLBILS, information about all individual aid awards is required to be
published.
• For BBLS, we are working to confirm what information, if any, needs to be
made available for publication in relation to individual Bounce Back Loan
facilities.
This applies to all loan and facility types under the Covid-19 Loan Schemes
(ie term loans, asset finance facilities, invoice finance facilities and
revolving credit facilities).
For further information about data reporting to the European Commission and
the UK Government please see the BEIS Q
<https://www.gov.uk/government/publications/covid-19-loan-schemes-privacy-notice/covid-19-loan-schemes-data-reporting-to-the-european-commission-and-the-uk-government?elqTrackId=b2ba9476af8c43a18539824b6d08ca46&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
&As and the BBB Q
<https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-schemes/data-reporting/?elqTrackId=db49f8f63a164f0b9e4e95411639a5d7&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
&As.
If you have any questions on data analytics or data reporting to the
European Commission and the UK Government which are not answered by
reference to the Privacy Notices and the Q&As, please contact the BEIS at
enquiries@beis.gov.uk <mailto:enquiries@beis.gov.uk> .
Further details and clarification will be made in due course so please keep
checking the Privacy Notices and the Q&As mentioned above.
DEPARTMENT FOR BUSINESS, ENERGY AND INDUSTRIAL STRATEGY (BEIS): DISCLOSURE
OF INFORMATION TO COMBAT FRAUD AGAINST THE PUBLIC SECTOR
BEIS receives personal data provided in the loan application form from your
lender and the British Business Bank (BBB) for analytical and administrative
purposes.
BEIS is a data controller of this personal data. Further details, including
details of your data protection rights, can be found in our Covid-19 Loan
Privacy Notice.
<https://www.gov.uk/government/publications/covid-19-loan-schemes-privacy-notice?elqTrackId=bd51d73c8b604dfa8f8f045208d616ad&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
Data Analytics
As part of BEIS’ official functions as a government department and guarantor
of the Bounce Back Loan Scheme (BBLS), the Coronavirus Business Interruption
Loan Scheme (CBILS), and the Coronavirus Large Business Interruption Loan
Scheme (CLBILS) (the Covid-19 Loan Schemes), it has responsibility to take
action against fraud. Data analytics help us to improve our ability to
identify and reduce the risk of fraud against the public sector and recover
public sector funds by:
• preventing, detecting, investigating and prosecuting fraud
• bringing civil proceedings as a result of fraud
• taking administrative action in connection with fraud
Disclosure of information to combat fraud against the public sector
Section 56 of the Digital Economy Act 2017 enables public authorities to
share information in order to take action in connection with fraud against a
public authority.
We share loan data to match it with other government data sets. We will
share your personal data where required with:
• the Cabinet Office
• the British Business Bank
• accredited lenders
• our executive agencies, including the Insolvency Service and Companies
House
• other government departments including the Department for Work and
Pensions and, HM Revenue and Customs
• Specified Anti-Fraud Organisations (SAFO)
• law enforcement agencies
Where BEIS has entered into information sharing under this power, it has
taken steps to ensure that information sharing arrangements are balanced and
proportionate and come under an appropriate level of scrutiny. This includes
ensuring that such arrangements are set out in appropriate information
sharing agreements.
Data analytics results will be shared with BEIS, the BBB, accredited
lender(s) and other government bodies and law enforcement agencies as
appropriate.
For full details of our data protection arrangements including the legal
basis for processing your personal data, please see our Privacy Notice
<https://www.gov.uk/government/publications/covid-19-loan-schemes-privacy-notice/covid-19-loan-schemes-privacy-notice?elqTrackId=d8a243b611f54beeab2a2fcb426cb29f&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
, which also contains details of your rights and the contact information for
our Data Protection Officer. Further information is also available at the
British Business Bank privacy notice webpage.
Security Information
Lloyds Bank never send emails that ask for confidential or security
information. We’ll never send you an email asking for your log on details,
or direct you to a webpage that asks for this information. Visit our online
security pages
<https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud.html?elqTrackId=a6b2378b3483437b9523bb05d20a9303&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
for more details.
Please note that any data sent via e-mail is not secure and could be read by
others.
Email Tracking – review our Cookies Policy
<https://www.lloydsbank.com/cookies.html?elqTrackId=de79d4cc6f184d908d46d142ea4ce46b&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
.
We track emails to help us improve the communications we send. We use small
images called pixels within our emails to tell us things like whether you
opened the email, how many times and the device you used. We may also set a
cookie to find out if you clicked on any links in the email.
Our service promise
If you experience a problem, we will always try to resolve it as quickly as
possible. Please bring it to the attention of any member of staff. Our
complaints procedures are published at
<https://www.lloydsbank.com/business/contact-us.html?elqTrackId=2b3e6dbe9bef4f46a77c135a95739a46&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361&elqcst=272&elqcsid=2703>
lloydsbank.com/business/contactus
If you have a hearing or speech impairment you can use Relay UK. More
information on the Relay UK Service can be found at: relayuk.bt.com
<https://www.relayuk.bt.com/?elqTrackId=6bcbfca94fb54c3982bda3438678fc33&elq=a3923e4f5273470b9b267c1ef6418171&elqaid=1103&elqat=1&elqCampaignId=361>
Calls may be monitored or recorded in case we need to check we have carried
out your instructions correctly and to help improve our quality of service.
Occasionally we may need to carry out essential maintenance, resulting in
some interruption to service.
While all reasonable care has been taken to ensure that the information
provided is correct, no liability is accepted by Lloyds Bank for any loss or
damage caused to any person relying on any statement or omission. This is
for information only and should not be relied upon as offering advice for
any set of circumstances. Specific advice should always be sought in each
instance.
We send communications like this, either for legal reasons or to let you
know about changes to your accounts or services.
We adhere to The Standards of Lending Practice which are monitored and
enforced by the LSB.
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.
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.
<http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B6162779c-1ff6-4e00-ab10-a05762c0b4d8%7D_spacer.gif>
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<body class=3D"m_w100pc" 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;" topmargin=3D"0" rightmargin=3D"0" leftmargin=3D"0" =
bottommargin=3D"0">
<div style=3D"width:100%; height:100%; background-color:#f1f1f1; =
overflow:visible; font-size:0; line-height:0;" class=3D"">
<!-- [H1a] HEADER (basic)-->
<!-- PREHEADER -->
<!-- [H1a] HEADER (basic)--><!-- PREHEADER -->
<table align=3D"center" bgcolor=3D"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:11px 20px 11px 20px; =
position:relative;font-size:0; line-height:0;">
<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"margin:auto; width:100%;" =
width=3D"100%">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ_B" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px; font-weight:bold; padding-bottom:5px;" =
width=3D"600">Your Bounce Back Loan Privacy Notice is being updated</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px; padding-bottom: 15px" width=3D"600">We want you to =
recognise a fraudulent email if you receive one, so we will always greet =
you personally using your title, last name and the<!--START - only =
output if SLTTN used--> <!--END - only output if SLTTN used--> last four =
digits of your bank account number: 3506</td>
</tr>
<tr>
<td align=3D"left" class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;" width=3D"600">We track the emails we send you. =
There's more detail towards the end of this email.</td>
</tr>
</tbody>
</table>
<!--[if gte mso 15]><br /> <![endif]--></td>
</tr>
</tbody>
</table>
<!-- START - IF SEGMENT FIELD =3D RBB, SHOW BUSINESS BANKING-->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc" style=3D"background-color:#006A4D; margin:auto;" =
valign=3D"top" width=3D"600">
<tbody>
<tr>
<td align=3D"center" style=3D"background-color:#024731; =
background-image:url(http://image.commercialemails.lloydsbank.com/EloquaI=
mages/clients/LloydsBankingGroup2/%7B3721195e-5e54-4dae-915e-88a107622809=
%7D_desktop_BB_strip_2x.png); background-size:320px 34px; =
background-position:center; color:#ffffff; =
font-family:arial,helvetica,sans-serif; font-size:0; line-height:0; =
letter-spacing:3.5px; text-decoration:none; height:34px;"><img =
alt=3D"BUSINESS BANKING" class=3D"m_h" height=3D"34" =
src=3D"http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup2/%7B3721195e-5e54-4dae-915e-88a107622809%7D_desktop_BB=
_strip_2x.png" width=3D"600" /> <!--[if !mso]><!-- mobile image --> <img =
alt=3D"BUSINESS BANKING" class=3D"m_d_b m_w100pc" =
src=3D"http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup2/%7Bf98171e1-23ab-446b-a575-5fed072f0546%7D_mobile_BB_=
strip_2x.png" style=3D"display:none; height:auto; width:100%;" =
width=3D"300" /> <!--[endif]----> <!--[if gte mso 15]><br =
/> <![endif]--></td>
</tr>
</tbody>
</table>
<!-- END - IF SEGMENT FIELD =3D RBB, SHOW BUSINESS BANKING-->
=20
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"600" height=3D"74" align=3D"center" =
valign=3D"top" style=3D"background-color:#006A4D; margin:auto;">
<tbody><tr>
<td valign=3D"top" style=3D"background-color:#006A4D; =
width:600px; height:74px; vertical-align:top; font-size:0; =
line-height:0;">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560" align=3D"center" =
style=3D"margin:auto;">
<tbody><tr>
<td class=3D"m_w100pc" =
style=3D"vertical-align:middle; text-align:left; =
background-image:url('http://image.CommercialEmails.lloydsbank.com/Eloqua=
Images/clients/LloydsBankingGroup2/%7B857e2b66-4355-493e-8621-b78ea6ae3ae=
6%7D_Lloyds-Header-B2B-Desktop-Logo-v1.jpg'); background-size:600px =
74px; background-position:left; width:600px; height:74px;">
<!-- LOGO -->=20
<a =
href=3D"https://www.lloydsbank.com?elqTrackId=3D2a201405bcc84c6e971b3b417=
bfe526c&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D1103&elqat=3D1&el=
qCampaignId=3D361" target=3D"_blank" title=3D"Lloyds" =
style=3D"font-size:20px; line-height:1.2em; color:#fffffe;"><img =
class=3D"m_h" =
src=3D"http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup2/%7B857e2b66-4355-493e-8621-b78ea6ae3ae6%7D_Lloyds-Hea=
der-B2B-Desktop-Logo-v1.jpg" alt=3D"Lloyds Bank" width=3D"600" =
height=3D"74" border=3D"0" style=3D"width:600px; height:74px;"></a>
</td>
</tr>
</tbody></table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
=20
<!-- SHOW IF CBIL_LOAN_TYPE1 =3D Bounce Back Loan -->
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"m_w100pc m_hauto" height=3D"190" style=3D"margin:auto;" =
width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"font-size:0; line-height:0;" =
valign=3D"top"><img alt=3D"Your Bounce Back Loan Privacy Notice is being =
updated" class=3D"d_w100pc d_hauto m_h" =
src=3D"http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup2/%7Bba9d4fa3-dde4-46cc-8053-87bd391824e6%7D_ltb-hero-b=
bl-desk.png" width=3D"600" /> <!--[if !mso]><!-- mobile image --> <img =
alt=3D"Your Bounce Back Loan Privacy Notice is being updated" =
class=3D"m_d_b m_w100pc" =
src=3D"http://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup2/%7Bf127e974-0b65-4d32-94a4-22823638e6dd%7D_ltb-hero-b=
bl-mob.png" style=3D"display:none; height:auto; width:100%;" =
width=3D"300" /> <!--[endif]----> <!--[if gte mso 15]><br =
/> <![endif]--></td>
</tr>
</tbody>
</table>
<!-- END (CBIL_LOAN_TYPE1 =3D Bounce Back Loan) -->
=20
<!-- V SPACER 13 -->
<table class=3D"m_w100pc" width=3D"100%" height=3D"13" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" =
bgcolor=3D"#f1f1f1;"><tbody><tr><td style=3D"background-color:#f1f1f1; =
height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;" class=3D""> </td></tr></tbody></table>
<!-- [4a] TEXT (with H2) -->
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
<tbody><tr>
<td style=3D"padding:30px 20px; mso-padding-alt:25px =
20px 25px 20px; font-size:0; line-height:0;" valign=3D"top" =
align=3D"left" class=3D"">
<table class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;" width=3D"560" cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" align=3D"center">
<tbody>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;" align=3D"left">
<!--remove if no salutation-->Dear Mr =
Home<br /><br />
We hope your Bounce Back Loan is helping =
your business during this difficult time. <br><br>
This is to let you know, the British =
Business Bank plc (BBB) and the Secretary of State for Business, Energy =
& Industrial Strategy (BEIS) are updating their privacy notices for =
Covid-19 Loan Schemes and have asked us to send the following =
information to you.=20
</td>
</tr>
</tbody></table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
=20
=20
<!-- V SPACER 13 -->
<table class=3D"m_w100pc" width=3D"100%" height=3D"13" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;" class=3D""> </td></tr></tbody></table>
=20
<!-- [4a] TEXT (with H2) -->
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
<tbody><tr>
<td style=3D"padding:30px 20px 20px 20px; =
mso-padding-alt:25px 20px 20px 20px; font-size:0; line-height:0;" =
valign=3D"top" align=3D"left" class=3D"">
<table class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;" width=3D"560" cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" align=3D"center">
<tbody><tr>
<td class=3D"f_LBJ_B" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom:20px;" align=3D"left">
If you have any questions
</td>
</tr>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;" align=3D"left">
Please go to the questions and answers =
section on the BBB website <a =
href=3D"https://www.british-business-bank.co.uk/ourpartners/coronavirus-b=
usiness-interruption-loan-schemes/data-reporting/?elqTrackId=3Ddb49f8f63a=
164f0b9e4e95411639a5d7&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D11=
03&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" title=3D"BBB =
Q&As" style=3D"color:#006A4D;"> BBB Q&As </a> or contact the =
BEIS at <a class=3D"f_LBJ_B" href=3D"mailto:enquiries@beis.gov.uk" =
target=3D"_blank" title=3D"enquiries@beis.gov.uk" =
style=3D"color:#006A4D; font-family:arial,helvetica,sans-serif; =
font-weight: bold">enquiries@beis.gov.uk</a><br><br>Yours sincerely
</td>
</tr>
</tbody></table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
=20
<!--START - SHOW IF SEGMENT =3D BB-->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
<tbody>
<tr>
<td align=3D"left" style=3D"padding:0px 20px 20px 20px; =
mso-padding-alt:0px 20px 20px 20px; 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=3D"560">
<tbody>
<tr>
<td align=3D"left" class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;"><strong>Gareth =
Oakley</strong><br />
Managing Director, Business Banking</td>
</tr>
</tbody>
</table>
<!--[if gte mso 15]><br /> <![endif]--></td>
</tr>
</tbody>
</table>
<!--END - SHOW IF SEGMENT =3D BB-->=20
=20
<!-- V SPACER 13 -->
<table class=3D"m_w100pc" width=3D"100%" height=3D"13" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;" class=3D""> </td></tr></tbody></table>
=20
<table class=3D"m_w100pc m_hauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"600" =
height=3D"104" style=3D"margin:auto;">
<tbody><tr>
<td align=3D"left" valign=3D"top" style=3D"font-size:0; =
line-height:0;">
<img class=3D"d_w100pc d_hauto m_h" alt=3D"British =
Business Bank" =
src=3D"http://image.emails.lloydsbanking.com/EloquaImages/clients/LloydsB=
ankingGroup2/%7B4c360f83-dcb2-4cfe-b623-9437e9d75c35%7D_BBB-logo-desk.png=
" width=3D"600">
<!--[if !mso]><!-- mobile image -->
<img class=3D"m_d_b m_w100pc" =
src=3D"http://image.emails.lloydsbanking.com/EloquaImages/clients/LloydsB=
ankingGroup2/%7B64f7ecd1-177c-46a6-9455-c6e032db2faa%7D_BBB-logo-mob.png"=
alt=3D"British Business Bank" width=3D"300" style=3D"display:none; =
height:auto; width:100%;">
<!--[endif]--><!---->
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
=20
<!-- [4a] TEXT (with H4) -->
<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
<tbody><tr>
<td align=3D"left" valign=3D"top" style=3D"padding:30px =
20px 30px 20px; mso-padding-alt:25px 20px 25px 20px; font-size:0; =
line-height:0;" class=3D"">
<table class=3D"m_w100pc m_mauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560" =
style=3D"margin:auto;">
<tbody><tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:30px;">
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; font-weight:bold; =
text-decoration:none; padding-bottom: 30px">
DEPARTMENT FOR BUSINESS, ENERGY AND =
INDUSTRIAL STRATEGY <br><br>
BRITISH BUSINESS BANK PLC<br><br>
BOUNCE BACK LOAN SCHEME / CORONAVIRUS =
BUSINESS INTERRUPTION LOAN SCHEME / CORONAVIRUS LARGE BUSINESS =
INTERRUPTION LOAN SCHEME
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom: 20px">
Information about data=20
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:30px;">
As you will be aware the Bounce Back =
Loan Scheme, the Coronavirus Business Interruption Loan Scheme and the =
Coronavirus Large Business Interruption Loan Scheme (the =
=E2=80=9CCovid-19 Loan Schemes=E2=80=9D) are Government initiatives to =
support businesses which have been impacted by Covid-19. The Covid-19 =
Loan Schemes are managed by a subsidiary of the British Business Bank =
plc (=E2=80=9CBBB=E2=80=9D) on behalf of, and with the financial backing =
of, the Secretary of State for Business, Energy & Industrial =
Strategy (=E2=80=9CBEIS").<br><br>
We are writing to let you know about changes to the BEIS and BBB privacy =
notices. In particular, these notices have been updated to clarify the =
ways customer data for the Covid-19 Loan Schemes is used and to =
highlight that the data will be used for data analytics; and also for =
meeting reporting obligations to the European Commission and the UK =
Government. Where required, certain information about loans granted =
under the Covid-19 Loan Schemes including customer data must be shared =
with the UK Government and the European Commission who may publish =
details on their respective transparency websites. Customer data is =
information which you provided to your lender for the purpose of =
obtaining your loan, as well as information about the loan.
<br><br>
<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">For =
further information about how your data may be used, please refer to the =
<a =
href=3D"https://www.gov.uk/government/publications/covid-19-loan-schemes-=
privacy-notice/covid-19-loan-schemes-privacy-notice?elqTrackId=3D07aac6c9=
056b47349ed898d4c7df8bcb&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D=
1103&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" title=3D"BEIS =
Privacy Notice" style=3D"color:#006A4D;">BEIS Privacy Notice</a> and the =
<a =
href=3D"https://www.british-business-bank.co.uk/privacy-notice/?elqTrackI=
d=3D85b2456a75634a9ba997923f847efcab&elq=3Da3923e4f5273470b9b267c1ef64181=
71&elqaid=3D1103&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" =
title=3D"BBB Privacy Notice" style=3D"color:#006A4D;">BBB Privacy =
Notice</a>. The Privacy Notices can also be found on the BEIS website =
(see publications - COVID-19 loan schemes) and the BBB website.</span>
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom: 20px">
Data analytics
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:30px;">
The COVID-19 Loan Schemes were delivered =
quickly to support businesses to access finance to meet their immediate =
cashflow needs in response to the pandemic. The scale, value and =
importance of the Schemes means it is essential to analyse the =
information held by BBB and BEIS in order to evaluate the take up and =
effectiveness of the schemes and to identify potential losses and fraud =
risks. The data analysis uses a subset of the loan application =
information such as company name, trading name, post code, and lender =
demand date, to help identify potential fraudulent behaviour, patterns =
and trends. BEIS is taking the lead on the data analytics programme and =
will work with other government departments and law enforcement agencies =
where appropriate.<br><br>
<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">For =
further information, please see the following note from BEIS.</span>
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom: 20px">
Data reporting to the European Commission =
and the UK Government
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:20px;">
Like some of the UK Government=E2=80=99s =
other Covid-19 business support measures, the Covid-19 Loan Schemes are =
considered to be financial assistance from the State (also known as =
State aid or a subsidy). To comply with State aid rules, where =
required, certain information about loans and facilities granted under =
the Covid-19 Loan Schemes (including the identity of individual =
borrowers and the amounts borrowed under the relevant Covid-19 Loan =
Scheme) must be shared with the UK Government and the European =
Commission who may publish details on their respective transparency =
websites. =20
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; padding-bottom: =
10px;">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
For CBILS, there is a =
requirement to report and publish information about individual aid =
exceeding =E2=82=AC100,000, and above =E2=82=AC10,000 if the Borrower =
operates in the agriculture or fisheries sectors.
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; padding-bottom: =
10px;">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
For CLBILS, information =
about all individual aid awards is required to be published.
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; padding-bottom: =
20px;">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
For BBLS, we are working to =
confirm what information, if any, needs to be made available for =
publication in relation to individual Bounce Back Loan facilities.=20
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none;">
This applies to all loan and facility =
types under the Covid-19 Loan Schemes (ie term loans, asset finance =
facilities, invoice finance facilities and revolving credit =
facilities).<br><br>
=20
<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">For =
further information about data reporting to the European Commission and =
the UK Government please see the <a =
href=3D"https://www.gov.uk/government/publications/covid-19-loan-schemes-=
privacy-notice/covid-19-loan-schemes-data-reporting-to-the-european-commi=
ssion-and-the-uk-government?elqTrackId=3Db2ba9476af8c43a18539824b6d08ca46=
&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D1103&elqat=3D1&elqCampai=
gnId=3D361" target=3D"_blank" title=3D"BEIS Q&As" =
style=3D"color:#006A4D;">BEIS Q&As</a> and the <a =
href=3D"https://www.british-business-bank.co.uk/ourpartners/coronavirus-b=
usiness-interruption-loan-schemes/data-reporting/?elqTrackId=3Ddb49f8f63a=
164f0b9e4e95411639a5d7&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D11=
03&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" title=3D"BBB =
Q&As" style=3D"color:#006A4D;">BBB Q&As</a>.</span><br><br>
If you have any questions on data analytics or data reporting to the =
European Commission and the UK Government which are not answered by =
reference to the Privacy Notices and the Q&As, please contact the =
BEIS at <a class=3D"f_LBJ_B" href=3D"mailto:enquiries@beis.gov.uk" =
target=3D"_blank" title=3D"enquiries@beis.gov.uk" =
style=3D"color:#006A4D; font-family:arial,helvetica,sans-serif; =
font-weight: bold">enquiries@beis.gov.uk</a>.<br><br>
<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">Furthe=
r details and clarification will be made in due course so please keep =
checking the Privacy Notices and the Q&As mentioned above.</span>
</td>
</tr>
</tbody></table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
<!-- V SPACER 13 -->
<table class=3D"m_w100pc" width=3D"100%" height=3D"13" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;" class=3D""> </td></tr></tbody></table>
=20
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
<tbody><tr>
<td style=3D"padding:30px 20px 30px 20px; =
mso-padding-alt:25px 20px 25px 20px; font-size:0; line-height:0;" =
valign=3D"top" align=3D"left" class=3D"">
<table class=3D"m_w100pc m_mauto" =
style=3D"margin:auto;" width=3D"560" cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" align=3D"center">
<tbody><tr>
<td class=3D"f_LBJ_B" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; font-weight:bold; =
text-decoration:none; padding-bottom:20px;" align=3D"left">
DEPARTMENT FOR BUSINESS, ENERGY AND =
INDUSTRIAL STRATEGY (BEIS):=20
DISCLOSURE OF INFORMATION TO COMBAT FRAUD AGAINST THE PUBLIC SECTOR
</td>
</tr>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none; padding-bottom: 30px" =
align=3D"left">
BEIS receives personal data provided in =
the loan application form from your lender and the British Business Bank =
(BBB) for analytical and administrative purposes. <br><br>
BEIS is a data controller of this =
personal data. Further details, including details of your data =
protection rights, can be found in our <a =
href=3D"https://www.gov.uk/government/publications/covid-19-loan-schemes-=
privacy-notice?elqTrackId=3Dbd51d73c8b604dfa8f8f045208d616ad&elq=3Da3923e=
4f5273470b9b267c1ef6418171&elqaid=3D1103&elqat=3D1&elqCampaignId=3D361" =
target=3D"_blank" title=3D"Covid-19 Loan Privacy Notice" =
style=3D"color:#006A4D;">Covid-19 Loan Privacy Notice.</a>
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom: 20px" align=3D"left">
Data Analytics
</td>
</tr>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none; padding-bottom: 20px" =
align=3D"left">
As part of BEIS=E2=80=99 official =
functions as a government department and guarantor of the Bounce Back =
Loan Scheme (<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">BBLS</=
span>), the Coronavirus Business Interruption Loan Scheme (<span =
class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">CBILS<=
/span>), and the Coronavirus Large Business Interruption Loan Scheme =
(<span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">CLBILS=
</span>) (the <span class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif;font-weight:bold;">Covid-=
19 Loan Schemes</span>), it has responsibility to take action against =
fraud. Data analytics help us to improve our ability to identify and =
reduce the risk of fraud against the public sector and recover public =
sector funds by:
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
preventing, detecting, =
investigating and prosecuting fraud
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
bringing civil proceedings =
as a result of fraud
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; padding-bottom: =
30px">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
taking administrative action =
in connection with fraud
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ_B" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:18px; line-height:22px; font-weight:bold; =
text-decoration:none; padding-bottom: 20px" align=3D"left">
Disclosure of information to combat fraud =
against the public sector
</td>
</tr>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none; padding-bottom: 20px" =
align=3D"left">
Section 56 of the Digital Economy Act =
2017 enables public authorities to share information in order to take =
action in connection with fraud against a public authority. <br><br>
We share loan data to match it with other =
government data sets. We will share your personal data where required =
with:
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
the Cabinet Office
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
the British Business Bank
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
accredited lenders
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
our executive agencies, =
including the Insolvency Service and Companies House
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
other government departments =
including the Department for Work and Pensions and, HM Revenue and =
Customs
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; ">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
Specified Anti-Fraud =
Organisations (SAFO)
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:14px; line-height:20px; text-decoration:none; padding-bottom: =
20px">
<table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560">
<tbody><tr>
<td valign=3D"top" width=3D"15" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
=E2=80=A2
</td>
<td valign=3D"top" =
class=3D"f_LBJ" align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
law enforcement agencies=20
</td>
</tr>
</tbody></table>
</td>
</tr>
<tr>
<td class=3D"f_LBJ" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;" align=3D"left">
Where BEIS has entered into information =
sharing under this power, it has taken steps to ensure that information =
sharing arrangements are balanced and proportionate and come under an =
appropriate level of scrutiny. This includes ensuring that such =
arrangements are set out in appropriate information sharing =
agreements.<br><br>
Data analytics results will be shared =
with BEIS, the BBB, accredited lender(s) and other government bodies and =
law enforcement agencies as appropriate.<br><br>
For full details of our data protection =
arrangements including the legal basis for processing your personal =
data, please see our <a =
href=3D"https://www.gov.uk/government/publications/covid-19-loan-schemes-=
privacy-notice/covid-19-loan-schemes-privacy-notice?elqTrackId=3Dd8a243b6=
11f54beeab2a2fcb426cb29f&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D=
1103&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" title=3D"Privacy =
Notice" style=3D"color:#006A4D;">Privacy Notice</a>, which also contains =
details of your rights and the contact information for our Data =
Protection Officer. Further information is also available at the British =
Business Bank privacy notice webpage.
</td>
</tr>
</tbody></table>
<!--[if gte mso 15]><br /> <![endif]-->
</td>
</tr>
</tbody></table>
=20
<!-- V SPACER 13 -->
<table class=3D"m_w100pc" width=3D"100%" height=3D"13" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0"><tbody><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;" class=3D""> </td></tr></tbody></table>
<!-- FOOTER TEXT -->
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"center">
<tbody><tr>
<td class=3D"m_p20 m_pb0" style=3D"font-size:0; =
line-height:0;" align=3D"left">
<table cellspacing=3D"0" cellpadding=3D"0" =
border=3D"0" align=3D"center">
<tbody><tr>
<td class=3D"m_p0 m_pb30 f_LBJ =
eloqua-contenteditable-highlight" style=3D"font-size:12px; =
line-height:16px; font-family:arial,helvetica,sans-serif; color:#323233; =
padding:30px 20px 30px 20px;">
=20
<strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold; =
color:#323233;">Security Information</strong><br>
Lloyds Bank never send emails that ask =
for confidential or security information. We=E2=80=99ll never send you =
an email asking for your log on details, or direct you to a webpage that =
asks for this information. Visit our online <a =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3Da6b2378b3483437b9523bb05d20a9303&elq=3Da3923e4f5=
273470b9b267c1ef6418171&elqaid=3D1103&elqat=3D1&elqCampaignId=3D361" =
target=3D"_blank" title=3D"www.lloydsbank.co.uk/security" =
style=3D"color:#006A4D;">security pages</a> for more details.<br><br>
Please note that any data sent via =
e-mail is not secure and could be read by others.<br><br>
<strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,helvetica,sans-serif; font-weight: bold; =
color:#323233;">Email Tracking</strong> =E2=80=93 review our <a =
href=3D"https://www.lloydsbank.com/cookies.html?elqTrackId=3Dde79d4cc6f18=
4d908d46d142ea4ce46b&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D1103=
&elqat=3D1&elqCampaignId=3D361" target=3D"_blank" title=3D"Cookies =
Policy" style=3D"color:#006A4D;">Cookies Policy</a>. <br>
We track emails to help us improve the =
communications we send. We use small images called pixels within our =
emails to tell us things like whether you opened the email, how many =
times and the device you used. We may also set a cookie to find out if =
you clicked on any links in the email. <br><br>
<strong class=3D"f_LBJ" style=3D"font-family:arial,helvetica,sans-serif; =
font-weight: bold; color:#323233;">Our service promise</strong><br />
If you experience a problem, we will always try to resolve it as quickly =
as possible. Please bring it to the attention of any member of staff. =
Our complaints procedures are published at <a =
href=3D"https://www.lloydsbank.com/business/contact-us.html?elqTrackId=3D=
2b3e6dbe9bef4f46a77c135a95739a46&elq=3Da3923e4f5273470b9b267c1ef6418171&e=
lqaid=3D1103&elqat=3D1&elqCampaignId=3D361&elqcst=3D272&elqcsid=3D2703" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"lloydsbank.com/business/contactus"> =
lloydsbank.com/business/contactus </a>
=20
<br><br>
If you have a hearing or speech =
impairment you can use Relay UK. More information on the Relay UK =
Service can be found at: <a =
href=3D"https://www.relayuk.bt.com/?elqTrackId=3D6bcbfca94fb54c3982bda343=
8678fc33&elq=3Da3923e4f5273470b9b267c1ef6418171&elqaid=3D1103&elqat=3D1&e=
lqCampaignId=3D361" style=3D"text-decoration:underline; color:#006A4D;" =
target=3D"_blank" title=3D"relayuk.bt.com/">relayuk.bt.com</a><br><br>
Calls may be monitored or recorded in =
case we need to check we have carried out your instructions correctly =
and to help improve our quality of service.<br>
<br>
Occasionally we may need to carry out =
essential maintenance, resulting in some interruption to service.<br>
<br>
While all reasonable care has been taken =
to ensure that the information provided is correct, no liability is =
accepted by Lloyds Bank for any loss or damage caused to any person =
relying on any statement or omission. This is for information only and =
should not be relied upon as offering advice for any set of =
circumstances. Specific advice should always be sought in each =
instance.<br><br>
=20
We send communications like this, either for legal reasons or to let you =
know about changes to your accounts or services.
<br><br>We adhere to The Standards of =
Lending Practice which are monitored and enforced by the LSB.<br />
=20
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>
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. =
Registered in England and Wales no. 2065. Telephone: 0207 626 1500. =
<br><br>Authorised by the Prudential Regulation Authority and regulated =
by the Financial Conduct Authority and the Prudential Regulation =
Authority under registration number 119278.
=20
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