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File: D:/hMailServer/Data/sarahharvey.com/bob/E2/{E23AFCBB-82D8-4C39-ADEF-2103AF2A2FA6}.eml
Reply-To: "Lloyds Bank" <commercial.banking@lloydsbanking.com>
From: "Lloyds Bank" <info@commercialemails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Your online banking terms and conditions are changing for Sarah Harvey Holdings Limited
Date: Thu, 28 Aug 2025 10:10:11 +0100
Message-ID: <66b10dcef9554b48a847c48d712b9333@1705133317>
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 ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
 ͏                                      
                                       
                                       
                         


  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_icon_DM.png>
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We want you to recognise a fraudulent email if you receive one, so Lloyds 
Bank will always greet you using the last four digits of your account 
number: 3668 <https://www.lloydsbank.com/business/home?elqTrackId=a576b752370b4ecaa58850 
fd42a32fd6&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12239&elqak=8AF52E4F19BAB7853197722BFF98435878E91A2E7784D38D609CDCF422D11080092F>
 <https://www.lloydsbank.com/business/home?elqTrackId=e7e4b5a4468841cf9845528ab7940c59&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12239&elqak=8AF53828484A55AA2B3C09C82A161A0BCB7C1A2E7784D38D609CDCF422D11080092F> 
<https://www.lloydsbank.com/business/home?elqTrackId=feea3e5777144f57a317a32c9b390e2b&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12239&elqak=8AF55AFFD31890455E845C3841780A3355371A2E7784D38D609CDCF422D11080092F>
 <https://www.lloydsbank.com/business/home?elqTrackId=8bb956120aea41bb87b7ab572d32cb0f&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12239&elqak=8AF50160F1B9AE31507174C0C53997C3AFA21A2E7784D38D609CDCF422D11080092F>
Your online banking terms and conditions are changing on 28 November 2025  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B039ad698-b0a0-487a-8ccb-94020fc1729f%7D_LB-O4B-Hero.gif>   <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B039ad698-b0a0-487a-8ccb-94020fc1729f%7D_LB-O4B-Hero.gif>

Dear Sarah Harvey Holdings LimitedWe’re 
getting in touch because we’re updating your Online for Business terms and 
conditions.

Most changes relate to what your Users can do online so it’s a good idea to 
regularly check you’re happy with what your Users can see and do.

These changes apply to all your accounts that you manage through online 
banking. Please share with anyone else in your organisation who needs to be 
aware of the changes.

You can find your new terms and conditions here 
<https://www.lloydsbank.com/onlineforbusinessterms.html?elqTrackId=850ecc247198480d8c5159f7c0606c93&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12300&elqak=8AF58E13EA6FC26D62FC57B2BEDF21B7A5341A2E7784D38D609CDCF422D11080092F> 
.
  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B54bdd0ff-f358-4fb5-a0e2-4691b9eb3d2f%7D_LB-divider-EG-top.png>
  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B94b32a2d-694b-4106-a6f8-8dfc4353b410%7D_LB-divider-EG-bottom.png>

 	   <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B65920eac-3c4d-4aa4-a864-a42ad6077015%7D_LB-icon-SearchTransactions-Outline-VibrantGreen-64w-2x.png>


The key changesThere's 
a Guide to Changes that has all the detail about the updates we’re making 
further down this email, including:•	 New insights features. In the future, you’ll be able to opt-in to see 
extra business insights, like cashflow forecasts, trends, and invoice data. 
Full Access Users can give permission for us to collect data from your other 
banks and accounting software which all Users will be able to see. We have 
no control over the data that comes through, including sensitive or 
confidential information. You should check that you’re happy with what your 
Users can see and do.• 
You’ll be able to do more things online including ordering a new debit card, 
opening and closing accounts.• 
How we let you know about future changes to online banking, what Users can 
do, and how much notice we’ll give you.• 
Your terms and conditions are now part of Your Agreement making them simpler 
for you to read.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup2/%7B4e8fd2b6-bac8-4b12-8e3e-d39d41f565d1%7D_LB-icon-Information-white.png> 
Check online banking is still right for you

Whenever we make changes, you should check that your service and the User 
access you have set up for your people is still right for your business. If 
you don’t want to accept the changes, you can ask us to end your service 
without any charge before the changes take effect. You’ll still need to pay 
any remaining charges in full on your account before you close it.

If you’re happy with the changes, you don’t need to do anything, we’ll take 
this to mean you accept them if we don’t hear from you before 28 November 
2025.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B8a5bb2e6-00c2-46f5-b468-0a417d20617f%7D_LB-icon-Laptop-EverydayGreen-64w-2x.png>
In future we may let you know about changes by email or onlineWe 
may send you similar communications in the future by email or through online 
banking. Please make sure that your contact details are up to date. 	   <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Llo 
ydsBankingGroup/%7Bb645a6a4-a3bf-4b27-9e22-42295ad82388%7D_LB-illust-Chat-Bot-CalmGreen-132w-2x.png>


Need to chat?You 
can get help and find out more about what you can do online on our website 
<https://www.lloydsbank.com/business/banking-online/online-for-business.html?WT.ac=Lloyds-banking_online-home-button-find_out_more_about_online_for_business&elqTrackId=95d2e5ce63c8431ab9a8140d573bef4e&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12252&elqak=8AF57F2059E84220A85682D103EE73FCCF351A2E7784D38D609CDCF422D11080092F> 
or by using our Message Us chat service in the mobile app. If you’d like to 
talk to us about these changes, please contact the helpdesk on 0345 300 0116 
(+44 1733 232 030 from abroad).Yours sincerely,

Rob Penswick
Head of Digital Channels 	   <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B1f3aadf3-879d-422a-a666-70bdf06e8d8e%7D_LB-illust-Switching-LightGrey-132w-2x.png>


GUIDE TO CHANGESHere’s 
what’s changing and being updated in your terms and conditions from 28 
November 2025. We’re also making some updates to simplify them. Please take 
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/Lloyds 
BankingGroup/%7Be551c86d-ec88-4030-a11f-16f09857164e%7D_LB-icon-ShareDealing-VibrantGreen-64w-2x.png> 
New insights features are coming and will be available for all Users

In the future, you’ll be able to opt-in for extra business insights, like 
cashflow forecasts, trends, and invoice data. Full Access Users can give 
permission for us to collect and use data from your other banks and 
accounting software. All Users will be able to see the data that comes 
through. We have no control of this data which could include sensitive or 
confidential information so you should check that you’re happy with what 
they can see and do.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7Bd0acdbc2-4bfc-4ade-ab01-9cd8c46b1b65%7D_LB-icon-Pencil-EverydayGreen-64w-2x.png> 
Full Access Users can now do more online

We've made it easier to understand what each user level can do.

Full Access Users can now:●	 Request a debit card for you and certain key people in your business
●	 Open or close an account● 
Change contact details and marketing consents● 
Apply for lending● 
Confirm the accuracy of information for the business and key peopleWe've 
also made clearer what all Users can control, such as managing their own 
login and personal details, including assigned cards, PIN codes, and 
ordering card readers.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B49c5305b-c7fe-4af3-90cf-a3f822a014a7%7D_LB-icon-PersonCog-VibrantGreen-64w-2x.png> 
How to change, add or remove Users is now clearer

We’ve added a new section which makes it clear how to do this.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B6ec829ce-7e0d-46a0-bbb0-3e942bd9f841%7D_LB-icon-TwoPeople-EverydayGreen-64w-2x.png> 
How we let you know when we change what Users can do

We can change what Users can do at any time and will always let you know in 
advance in writing. It’s now clear this can be by SMS, a message or prompt 
in the online banking service or digital inbox.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B65920eac-3c4d-4aa4-a864-a42ad6077015%7D_LB-icon-SearchTransactions-Outline-VibrantGreen-64w-2x.png> 
How we let you know about changes to your terms and conditions

If there is a change to your terms and conditions, we can tell you about 
this by email or to your digital inbox. If we send information to the 
digital inbox, we’ll let you know it’s there. This can now be by SMS, email 
or a prompt in online banking.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B5c649d3c-fe8e-4f35-9f66-4e5d3d358143%7D_LB-icon-OnlineInternetBanking-EverydayGreen-64w-2x.png> 
How we let you know about changes to online banking

We’ll let you know if there are any changes to the Service. If this means 
there's a change to your terms and conditions, we'll usually tell you two 
months in advance. We’ve made it clear that new functionality or changing 
the look and feel of the Service doesn’t change your terms and conditions. 
We'll let you know but we don’t need to give you two months’ notice in 
advance.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7Bd9078b70-10ec-4339-8bdb-ce38d482c66e%7D_LB-icon-Screens-VibrantGreen-64w-2x.png> 
What you can do using the Mobile App and Web browser

We've made it clearer that you can use the Mobile App and Web browser 
versions of online banking to do different things, such as:●	 Mobile App: Deposit cheques, view your debit card PIN, and use biometrics
●	 Web browser: Manage Bulk Payments and Online Payment ControlsYou 
can find out more here 
<https://www.lloydsbank.com/business/banking-online/online-for-business/what-you-can-do-online.html?elqTrackId=205479c870534543b760e630345d777e&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12305&elqak=8AF58F348C270207EF1BAB4110E621B9263C1A2E7784D38D609CDCF422D11080092F>



  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bbcadcc51-1bc9-40c5-b5d0-b5dd89cafda4%7D_LB-icon-ID-EverydayGreen-64w-2x.png> 
There are separate authority requirements for online banking

Your authorisations and controls for online banking may not be the same as 
ones you set up outside of online banking.

For example:●	 Adding a new User: We'll check your authority to make sure it's 
authorised.● 
Overdraft applications by Full Access Users: We may ask up to three key 
people to authorise the application, including if the individual has a 
personal responsibility to repay it.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B967ca183-29bb-4f77-b9b9-7be59faad557%7D_LB-icon-SecureBanking-VibrantGreen-64w-2x.png> 
Using the same login ID for personal and business accounts

We’ve made it clear that if you use the same User login ID for personal and 
business accounts, if you get locked out of one you won't be able to access 
either of your accounts until you reset your security details.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B065148b3-5505-476e-9bcf-7f4287e35dad%7D_LB-icon-Apply-EverydayGreen-64w-2x.png> 
User functionality and features that are available

We’ve clarified that some Users may not be able to use all features of 
online banking.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7Bfd576985-c89b-40f3-a77c-b274c115fb98%7D_LB-icon-Phone-VibrantGreen-64w-2x.png> 
Contacting us

We’ve updated our contact details. Our website 
<https://www.lloydsbank.com/business/help-and-support/contact-us.html?elqTrackId=0994fb2f83fc4697983e701369e5b0cd&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12305&elqak=8AF59C4F7B8353E3AF742C5DC256B2DC40A81A2E7784D38D609CDCF422D11080092F> 
is the best place to find contact details when you need to contact us.  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/Lloyds 
BankingGroup/%7B6b26e040-3181-4502-b0d6-3048724a0409%7D_LB-icon-Document-EverydayGreen-64w-2x.png> 
Your Agreement with us

Your Online for Business terms and conditions are now part of the documents 
that make up Your Agreement with us. This includes:●	 General conditions
●	 Product-specific conditions for each product or service you have with us● 
An account charges and processing times brochureThe 
general conditions also apply to your online banking. Although there are no 
charges for using online banking, you may incur fees for transactions or 
payments you make using online banking. <https://www.lloydsbank.com/business/home?elqTrackId=aff6f463dc10420f92f8bf 
22621e5de5&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF505EDC07935411C06098EED60422DD31B1A2E7784D38D609CDCF422D11080092F>



 <https://www.lloydsbank.com/business/contact-us?elqTrackId=ea638492c3e94b6ca687a2e22207d398&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF58E3A4D8F64A391D85574F21BA952C5C31A2E7784D38D609CDCF422D11080092F> 
Contact Us  	    |
 <https://www.lloydsbank.com/business/privacy?elqTrackId=e537e8d357a34c7ba06adf9b3bb753ce&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF5E87B38A7E32912A55CA5609AC354811E1A2E7784D38D609CDCF422D11080092F> 
Privacy Policy  	    |
 <https://www.lloydsbank.com/business/retail-business/suspicious-emails-and-text?elqTrackId=b7e8ae9c27164054bd6091080575b348&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF5DA6ABCD9630EF94491CFF9EA685DD4281A2E7784D38D609CDCF422D11080092F> 
Email Security
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 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=4e32bcd1cef1451a9cb1444966765e77&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF59C1D54DDC5A5FF69FC80D10B52BCF5AC1A2E7784D38D609CDCF422D11080092F> 
for more details.

Our service promise
Please let us know if you have a problem – we’re here to help. See our 
complaints process on our ‘Help & Support’ page at 
lloydsbank.com/business/complaint 
<https://www.lloydsbank.com/business/help-and-support/account-management/make-a-complaint.html?elqTrackId=2e1bcacfb56f4952b684c93b74b9f8db&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF5052093C7AAEF86BE98DDF2CC85648F3D1A2E7784D38D609CDCF422D11080092F> 
.

If you need extra help

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=60a7439043a046938909329133f2820e&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF591729A34C77F0E9B87647AD218D550A01A2E7784D38D609CDCF422D11080092F>

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
Online banking helpdesk: Lines are open Monday to Friday, 7am to 8pm, and 
Saturday, 9am to 2pm, excluding bank holidays. 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 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.
To help us improve the emails we send you, we collect basic information from 
your device such as when they are opened. For more information please read 
our Cookies Policy 
<https://www.lloydsbank.com/cookies?elqTrackId=b8068dbb08f7487ca2f3ace6fe42bd40&elq=66b10dcef9554b48a847c48d712b9333&elqaid=5094&elqat=1&elqCampaignId=1098&elqcst=272&elqcsid=12260&elqak=8AF55E5CBF20F8F8DCE996610BD33DCEEE5C1A2E7784D38D609CDCF422D11080092F> 
.

We send communications like this, either for legal reasons or to let you 
know about changes to your accounts or services.

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 Number 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 August 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>
  <https://link.commercialemails.lloydsbank.com/e/FooterImages/FooterImage1?elq=66b10dcef9554b48a847c48d712b9333&siteid=1705133317>

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	<!--[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" =
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	<!--KINETIC ENABLER-->
	<link =
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rel=3D"stylesheet">
	<!--<![endif]-->
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<!-- [H1a] Header - preheader and security text (racing green) -->
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line-height:16px; font-weight:bold"><!--Preheader text-->
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&shy; &shy; &shy; &shy; &shy; &shy; &shy; &shy; &shy; &shy; &shy; &shy; =
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&nbsp;</div>
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		<tr>
			<td align=3D"left" style=3D"padding:16px; 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">
				<tbody>
					<tr>
						<td style=3D"padding-right: 8px" width=3D"24">
						<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none"><img alt=3D"icon" class=3D"darkmode_img" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_ico=
n_DM.png" style=3D"width: 24px; min-width:24px; height:auto; =
mso-hide:all; display:none; margin:0 auto" width=3D"24" /></div>
						<img alt=3D"icon" class=3D"lightmode_img" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bf565ab22-da75-4951-8537-1cf33ff70358%7D_header_ico=
n_fill_024731.png" style=3D"width: 24px; min-width:24px; height:auto" =
width=3D"24" /></td>
						<td align=3D"left" class=3D"f_GUS_R m_w100pc" =
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 Lloyds Bank will always greet you using the =
last four digits of your account number:&nbsp;3668</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>

	=09
<!-- [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?elqTrackId=3Da576b752370=
b4ecaa58850fd42a32fd6&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D509=
4&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12239&elqak=3D8AF=
52E4F19BAB7853197722BFF98435878E91A2E7784D38D609CDCF422D11080092F" =
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?elqTrackId=3De7e4b5a4468=
841cf9845528ab7940c59&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D509=
4&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12239&elqak=3D8AF=
53828484A55AA2B3C09C82A161A0BCB7C1A2E7784D38D609CDCF422D11080092F" =
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?elqTrackId=3Dfeea3e57771=
44f57a317a32c9b390e2b&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D509=
4&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12239&elqak=3D8AF=
55AFFD31890455E845C3841780A3355371A2E7784D38D609CDCF422D11080092F" =
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?elqTrackId=3D8bb956120ae=
a41bb87b7ab572d32cb0f&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D509=
4&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12239&elqak=3D8AF=
50160F1B9AE31507174C0C53997C3AFA21A2E7784D38D609CDCF422D11080092F" =
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 online banking terms and =
conditions are changing on 28&nbsp;November 2025</td>
					</tr>
				</tbody>
			</table>
			<!--[if gte mso 15]><br />&nbsp;<![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"image" class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B039ad698-b0a0-487a-8ccb-94020fc1729f%7D_LB-O4B-He=
ro.gif" 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"image" class=3D"m_d_b m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B039ad698-b0a0-487a-8ccb-94020fc1729f%7D_LB-O4B-He=
ro.gif" style=3D"display:none; height:auto; width:100%" width=3D"300" /> =
<!--<![endif]--></td>
		</tr>
	</tbody>
</table>


<!-- [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_GUL_B" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; font-weight: bold; =
letter-spacing:-0.02em">Dear Sarah Harvey Holdings Limited</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&rsquo;re getting in touch because we&rsquo;re =
updating your Online for Business terms and conditions.<br />
						<br />
						Most changes relate to what your Users can do online so it&rsquo;s =
a good idea to regularly check you&rsquo;re happy with what your Users =
can see and do.<br />
						<br />
						These changes apply to all your accounts that you manage through =
online banking. Please share with anyone else in your organisation who =
needs to be aware of the changes.<br />
						<br />
						You can find your new terms and conditions <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/onlineforbusinessterms.html?elqTrackId=
=3D850ecc247198480d8c5159f7c0606c93&elq=3D66b10dcef9554b48a847c48d712b933=
3&elqaid=3D5094&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D123=
00&elqak=3D8AF58E13EA6FC26D62FC57B2BEDF21B7A5341A2E7784D38D609CDCF422D110=
80092F" style=3D"color:#000001; text-decoration: underline" =
target=3D"_blank" title=3D"Terms and Conditions">here</a>. &nbsp;</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"image" =
class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B54bdd0ff-f358-4fb5-a0e2-4691b9eb3d2f%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"#024731" =
style=3D"background-color:#024731" valign=3D"top"><img alt=3D"image" =
class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B94b32a2d-694b-4106-a6f8-8dfc4353b410%7D_LB-divide=
r-EG-bottom.png" style=3D"width:600px; height: auto" width=3D"600" =
/></td>
		</tr>
	</tbody>
</table>

     =20
<!-- [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"><!--[if !mso]><!-- non-outlook -->
				<tbody>
					<tr>
						<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:236px">&nbsp;</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"icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B65920eac-3c4d-4aa4-a864-a42ad6077015%7D_LB-icon-Se=
archTransactions-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:64px; text-align:center" width=3D"64" /></td>
						<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:236px">&nbsp;</td>
					</tr>
					<tr>
						<td bgcolor=3D"#fffffe" class=3D"m_w100pc" colspan=3D"3" =
height=3D"32" style=3D"background-color:#fffffe; height:32px; =
width:auto; border-radius:16px 16px 0px 0px">&nbsp;</td>
					</tr>
					<!--<![endif]--><!--[if gte mso 9]>
							<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" =
style=3D"width:536px; 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:236px; width:64px; height:64px; z-index:2; =
position:relative" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B65920eac-3c4d-4aa4-a864-a42ad6077015%7D_LB-icon-Se=
archTransactions-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"margin:auto; width:536px" =
width=3D"536">
				<tbody>
					<tr>
						<td bgcolor=3D"#fffffe" colspan=3D"3" style=3D"background:#fffffe; =
padding:24px 24px 32px 24px; mso-padding-alt: 56px 0px 32px 0px; =
border-radius: 0px 0px 16px 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 align=3D"center" class=3D"m_w100pc f_GUL_B" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:48px; mso-line-height-rule:exactly; line-height:52px; =
font-weight: bold; letter-spacing:-0.02em">The key 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; text-decoration:none; =
padding-top:24px">There&#39;s a Guide to Changes that has all the detail =
about the updates we&rsquo;re making further down this email, =
including:</td>
								</tr>
								<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; padding-top: 24px" valign=3D"top" width=3D"24">&bull;</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"><span =
class=3D"f_GUS_B" style=3D"font-weight:bold;">New insights =
features.</span> In the future, you&rsquo;ll be able to opt-in to see =
extra business insights, like cashflow forecasts, trends, and invoice =
data. Full Access Users can give permission for us to collect data from =
your other banks and accounting software which all Users will be able to =
see. We have no control over the data that comes through, including =
sensitive or confidential information. You should check that =
you&rsquo;re happy with what your Users can see and do.</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">&bull;</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"><span =
class=3D"f_GUS_B" style=3D"font-weight:bold;">You&rsquo;ll be able to do =
more things online</span> including ordering a new debit card, opening =
and closing accounts.</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">&bull;</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"><span =
class=3D"f_GUS_B" style=3D"font-weight:bold;">How we let you know about =
future changes</span> to online banking, what Users can do, and how much =
notice we&rsquo;ll give you.</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">&bull;</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"><span =
class=3D"f_GUS_B" style=3D"font-weight:bold;">Your terms and conditions =
are now part of Your Agreement</span> making them simpler for you to =
read.</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
							</tbody>
						</table>
						</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: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"padding-top: 0px" valign=3D"top" width=3D"24"><img =
alt=3D"image" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B4e8fd2b6-bac8-4b12-8e3e-d39d41f565d1%7D_LB-icon-I=
nformation-white.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: 0px; =
padding-left: 12px"><span class=3D"f_GUS_B" style=3D"font-weight:bold; =
font-size:20px; line-height:24px;">Check online banking is still right =
for you</span><br />
									<br />
									Whenever we make changes, you should check that your service =
and the User access you have set up for your people is still right for =
your business. If you don&rsquo;t want to accept the changes, you can =
ask us to end your service without any charge before the changes take =
effect. You&rsquo;ll still need to pay any remaining charges in full on =
your account before you close it.<br />
									<br />
									If you&rsquo;re happy with the changes, you don&rsquo;t need to =
do anything, we&rsquo;ll take this to mean you accept them if we =
don&rsquo;t hear from you before 28&nbsp;November 2025.</td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>


<!-- [6d] Icon list (large icons) -->
<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" style=3D"margin:auto; width:536px" =
width=3D"536">
				<tbody>
					<tr>
						<td style=3D"padding-top:4px" valign=3D"top">
						<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0">
							<tbody>
								<tr>
									<td style=3D"width: 64px" valign=3D"top" width=3D"64"><img =
alt=3D"Laptop" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B8a5bb2e6-00c2-46f5-b468-0a417d20617f%7D_LB-icon-La=
ptop-EverydayGreen-64w-2x.png" style=3D"width:64px; min-width:64px; =
height:auto" width=3D"64" /></td>
									<td style=3D"padding-left: 16px">
									<table align=3D"left" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width: 456px" =
width=3D"456">
										<tbody>
											<tr>
												<td align=3D"left" class=3D"f_GUL_B" style=3D"color:#000001; =
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:0px 0px 16px 0px">In future we may let =
you know about changes by email or online</td>
											</tr>
											<tr>
												<td 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 may send you similar =
communications in the future by email or through online banking. Please =
make sure that your contact details are up to date.</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
 =20

<!-- [5a] Text with overlapping illustration on grey background - 50:50 =
image right -->
<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 bgcolor=3D"#fffffe" class=3D"m_p0 m_nobg" style=3D"font-size:0; =
line-height:0; padding:64px 0px 24px 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">&nbsp;</td>
						<td class=3D"m_w50pc m_p0 m_pt24" height=3D"64" rowspan=3D"2" =
style=3D"height:64px; width:132px; text-align:center; =
padding-right:32px" width=3D"132"><img alt=3D"illustration" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bb645a6a4-a3bf-4b27-9e22-42295ad82388%7D_LB-illust-=
Chat-Bot-CalmGreen-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">&nbsp;</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">&nbsp;</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">Need to chat?</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">You =
can get help and find out more about what you can do online on our <a =
class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/business/banking-online/online-for-bus=
iness.html?WT.ac=3DLloyds-banking_online-home-button-find_out_more_about_=
online_for_business&elqTrackId=3D95d2e5ce63c8431ab9a8140d573bef4e&elq=3D6=
6b10dcef9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&elqCampaignId=3D1=
098&elqcst=3D272&elqcsid=3D12252&elqak=3D8AF57F2059E84220A85682D103EE73FC=
CF351A2E7784D38D609CDCF422D11080092F" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; text-decoration:underline;" =
title=3D"website">website</a> or by using our Message Us chat service in =
the mobile app. If you&rsquo;d like to talk to us about these changes, =
please contact the helpdesk on 0345 300 0116 (+44 1733 232 030 from =
abroad).</td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
				</tbody>
			</table>
			</div>
			<!--[if mso | ie]></td></tr></table><![endif]--><!--[if gte mso =
15]><br />&nbsp;<![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: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; =
padding-top:16px">Yours sincerely,<br />
									<br />
									<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001">Rob =
Penswick </strong><br />
									Head of Digital Channels</td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
     =20
     =20
<!-- [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">&nbsp;</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"illustration" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B1f3aadf3-879d-422a-a666-70bdf06e8d8e%7D_LB-illust-=
Switching-LightGrey-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">&nbsp;</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">&nbsp;</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=
/LloydsBankingGroup/%7B1f3aadf3-879d-422a-a666-70bdf06e8d8e%7D_LB-illust-=
Switching-LightGrey-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 32px 32px; mso-padding-alt: 124px 32px 32px 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">Here&rsquo;s what&rsquo;s changing and being updated =
in your terms and conditions from 28&nbsp;November 2025. We&rsquo;re =
also making some updates to simplify them. Please take 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



<!-- [18a] Kinetic accordion (Progressive disclosure) -->
<div style=3D"width:100%; height:auto; overflow:visible; font-size:0; =
line-height:0; padding:0" class=3D"">
	<!--[if !mso]><!-- -->
	<style>
			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">&nbsp;</label>
	<!--<![endif]-->
 =20
<!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
-->
<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Be551c86d-ec88-4030-a11f-16f09857164e%7D_LB-icon-Sh=
areDealing-VibrantGreen-64w-2x.png" style=3D"min-width:48px; =
display:block; width:48px; height:auto; color:#000001; =
text-align:center; font-size:12px; line-height:48px" width=3D"48" =
/></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_6_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">New insights features are coming and will be =
available for&nbsp;all&nbsp;Users </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">In the future, =
you&rsquo;ll be able to opt-in for extra business insights, like =
cashflow forecasts, trends, and invoice data. Full Access Users can give =
permission for us to collect and use data from your other banks and =
accounting software. All Users will be able to see the data that comes =
through. We have no control of this data which could include sensitive =
or confidential information so you should check that you&rsquo;re happy =
with what they can see and do.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES --> =
 =20

<!-- START of [18b] Kinetic accordion (Progressive disclosure) 1 LINE-->
<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header f_GUS_R m_hauto" height=3D"88" =
style=3D"display:block; height: 88px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"88" =
style=3D"height:88px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bd0acdbc2-4bfc-4ade-ab01-9cd8c46b1b65%7D_LB-icon-Pe=
ncil-EverydayGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"88" =
style=3D"width:476px; height:88px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_4_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">Full Access Users can now do more online =
</label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p0_32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px">We&#39;ve made it easier to understand =
what each user level can do.<br />
									<br />
									Full Access Users can now:</td>
								</tr>
								<tr>
									<td class=3D"m_p0_32" 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"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px" =
valign=3D"top" width=3D"24">=E2=97=8F</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">Request a debit card for you and certain key people in your =
business</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">Open or =
close an account</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">Change =
contact details and marketing consents</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">Apply =
for lending</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">Confirm =
the accuracy of information for the business and key people</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding:24px 0px">We&#39;ve also made =
clearer what all Users can control, such as managing their own login and =
personal details, including assigned cards, PIN codes, and ordering card =
readers.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 1 =
LINE--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B49c5305b-c7fe-4af3-90cf-a3f822a014a7%7D_LB-icon-Pe=
rsonCog-VibrantGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_5_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">How to change, add or remove Users is now =
clearer </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We&rsquo;ve =
added a new section which makes it clear how to do this.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
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<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B6ec829ce-7e0d-46a0-bbb0-3e942bd9f841%7D_LB-icon-Tw=
oPeople-EverydayGreen-64w-2x.png" style=3D"min-width:48px; =
display:block; width:48px; height:auto; color:#000001; =
text-align:center; font-size:12px; line-height:48px" width=3D"48" =
/></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_9_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">How we let you know when we change what =
Users&nbsp;can&nbsp;do&nbsp;&nbsp;&nbsp;&nbsp;</label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We can change =
what Users can do at any time and will always let you know in advance in =
writing. It&rsquo;s now clear this can be by SMS, a message or prompt in =
the online banking service or digital inbox.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B65920eac-3c4d-4aa4-a864-a42ad6077015%7D_LB-icon-Se=
archTransactions-Outline-VibrantGreen-64w-2x.png" =
style=3D"min-width:48px; display:block; width:48px; height:auto; =
color:#000001; text-align:center; font-size:12px; line-height:48px" =
width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_10_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">How we let you know about changes to your =
terms and conditions </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">If there is a =
change to your terms and conditions, we can tell you about this by email =
or to your digital inbox. If we send information to the digital inbox, =
we&rsquo;ll let you know it&rsquo;s there. <span class=3D"f_GUS_B" =
style=3D"font-weight:bold;">This can now be by SMS, email or a prompt in =
online banking</span>.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B5c649d3c-fe8e-4f35-9f66-4e5d3d358143%7D_LB-icon-On=
lineInternetBanking-EverydayGreen-64w-2x.png" style=3D"min-width:48px; =
display:block; width:48px; height:auto; color:#000001; =
text-align:center; font-size:12px; line-height:48px" width=3D"48" =
/></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_11_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">How we let you know about changes to online =
banking </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We&rsquo;ll let =
you know if there are any changes to the Service. If this means =
there&#39;s a change to your terms and conditions, we&#39;ll usually =
tell you two months in advance. We&rsquo;ve made it clear that new =
functionality or changing the look and feel of the Service doesn&rsquo;t =
change your terms and conditions. We&#39;ll let you know but we =
don&rsquo;t need to give you two months&rsquo; notice in advance.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bd9078b70-10ec-4339-8bdb-ce38d482c66e%7D_LB-icon-Sc=
reens-VibrantGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_2_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">What you can do using the Mobile App and =
Web&nbsp;browser&nbsp;&nbsp;&nbsp;&nbsp;</label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p0_32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px">We&#39;ve made it clearer that you can =
use the Mobile App and Web browser versions of online banking to do =
different things, such as:</td>
								</tr>
								<tr>
									<td class=3D"m_p0_32" 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"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px" =
valign=3D"top" width=3D"24">=E2=97=8F</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_R" style=3D"font-weight:bold;">Mobile =
App</strong>: Deposit cheques, view your debit card PIN, and use =
biometrics</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px"><strong =
class=3D"f_GUS_R" style=3D"font-weight:bold;">Web browser</strong>: =
Manage Bulk Payments and Online Payment Controls</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding:24px 0px">You can find out =
more <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/business/banking-online/online-for-bus=
iness/what-you-can-do-online.html?elqTrackId=3D205479c870534543b760e63034=
5d777e&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&elq=
CampaignId=3D1098&elqcst=3D272&elqcsid=3D12305&elqak=3D8AF58F348C270207EF=
1BAB4110E621B9263C1A2E7784D38D609CDCF422D11080092F" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
text-transform:underline;" title=3D"what you can do =
online">here</a></td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bbcadcc51-1bc9-40c5-b5d0-b5dd89cafda4%7D_LB-icon-ID=
-EverydayGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_3_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">There are separate authority requirements =
for online banking </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p0_32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px">Your authorisations and controls for =
online banking may not be the same as ones you set up outside of online =
banking.<br />
									<br />
									For example:</td>
								</tr>
								<tr>
									<td class=3D"m_p0_32" 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"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px" =
valign=3D"top" width=3D"24">=E2=97=8F</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">Adding a new User: We&#39;ll check your authority to make sure =
it&#39;s authorised.</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px; =
padding-bottom:24px;">Overdraft applications by Full Access Users: We =
may ask up to three key people to authorise the application, including =
if the individual has a personal responsibility to repay it.</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B967ca183-29bb-4f77-b9b9-7be59faad557%7D_LB-icon-Se=
cureBanking-VibrantGreen-64w-2x.png" style=3D"min-width:48px; =
display:block; width:48px; height:auto; color:#000001; =
text-align:center; font-size:12px; line-height:48px" width=3D"48" =
/></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_7_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">Using the same login ID for personal and =
business accounts </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We&rsquo;ve made =
it clear that if you use the same User login ID for personal and =
business accounts, if you get locked out of one you won&#39;t be able to =
access either of your accounts until you reset your security =
details.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 2 =
LINES -->

<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header two_lines f_GUS_R m_hauto" =
height=3D"112" style=3D"display:block; height: 112px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"112" =
style=3D"height:112px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B065148b3-5505-476e-9bcf-7f4287e35dad%7D_LB-icon-Ap=
ply-EverydayGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"112" =
style=3D"width:476px; height:112px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_8_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">User functionality and features that are =
available </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We&rsquo;ve =
clarified that some Users may not be able to use all features of online =
banking.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 2 LINES =
--><!-- START of [18b] Kinetic accordion (Progressive disclosure) 1 =
LINE-->

<table align=3D"center" bgcolor=3D"#C7FFC6" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"collapse m_w100pc" =
style=3D"margin:auto; width:600px; background-color:#C7FFC6" =
width=3D"600">
	<tbody>
		<tr>
			<td align=3D"center">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header f_GUS_R m_hauto" height=3D"88" =
style=3D"display:block; height: 88px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"88" =
style=3D"height:88px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bfd576985-c89b-40f3-a77c-b274c115fb98%7D_LB-icon-Ph=
one-VibrantGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"88" =
style=3D"width:476px; height:88px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_12_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">Contacting us </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding-bottom:24px;">We&rsquo;ve =
updated our contact details. Our <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/business/help-and-support/contact-us.h=
tml?elqTrackId=3D0994fb2f83fc4697983e701369e5b0cd&elq=3D66b10dcef9554b48a=
847c48d712b9333&elqaid=3D5094&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272=
&elqcsid=3D12305&elqak=3D8AF59C4F7B8353E3AF742C5DC256B2DC40A81A2E7784D38D=
609CDCF422D11080092F" style=3D"color:#000001; text-decoration: =
underline" target=3D"_blank" title=3D"">website</a> is the best place to =
find contact details when you need to contact us.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 1 LINE-->
=09
<!-- START of [18b] Kinetic accordion (Progressive disclosure) 1 LINE-->
<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">
			<form class=3D"accordion_b"><!--[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">
				<tbody>
					<tr>
						<td class=3D"collapse_header f_GUS_R m_hauto" height=3D"88" =
style=3D"display:block; height: 88px">
						<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" style=3D"width:600px" =
valign=3D"middle" width=3D"600">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"m_hauto" height=3D"88" =
style=3D"height:88px; padding: 0px 12px 0px 32px" valign=3D"middle" =
width=3D"48"><img alt=3D"icon" border=3D"0" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B6b26e040-3181-4502-b0d6-3048724a0409%7D_LB-icon-Do=
cument-EverydayGreen-64w-2x.png" style=3D"min-width:48px; display:block; =
width:48px; height:auto; color:#000001; text-align:center; =
font-size:12px; line-height:48px" width=3D"48" /></td>
									<td align=3D"left" class=3D"f_GUL_R m_hauto" height=3D"88" =
style=3D"width:476px; height:88px; 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; " valign=3D"middle" width=3D"476"><label =
for=3D"region_1_control" style=3D"display:block; cursor: pointer; =
padding:32px 64px 32px 0px">Your Agreement with us </label></td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
					<tr>
						<td style=3D"font-size:0; line-height:0">
						<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:536px" =
width=3D"536">
							<tbody>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p0_32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px">Your Online for Business terms and =
conditions are now part of the documents that make up Your Agreement =
with us. This includes:</td>
								</tr>
								<tr>
									<td class=3D"m_p0_32" 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"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px" =
valign=3D"top" width=3D"24">=E2=97=8F</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">General conditions</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">Product-specific conditions for each product or service =
you have with us</td>
											</tr>
											<tr>
												<td align=3D"left" class=3D"f_GUS_R" style=3D"width: 24px; =
color:#0BE248; font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:6px" =
valign=3D"top" width=3D"24">=E2=97=8F</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:6px">An =
account charges and processing times brochure</td>
											</tr>
										</tbody>
									</table>
									</td>
								</tr>
								<tr>
									<td align=3D"left" class=3D"f_GUS_R m_p32" =
style=3D"color:#000001; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; padding:24px 0px">The general =
conditions also apply to your online banking. Although there are no =
charges for using online banking, you may incur fees for transactions or =
payments you make using online banking.</td>
								</tr>
							</tbody>
						</table>
						</div>
						</td>
					</tr>
				</tbody>
			</table>
			</form>
			</td>
		</tr>
	</tbody>
</table>
<!-- END of [18b] Kinetic accordion (Progressive disclosure) 1 LINE-->
=09
</div>

		<!-- X1 SPACER 24PX WHITE -->
		<table class=3D"m_w100pc" width=3D"600" align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" bgcolor=3D"#fffffe" =
height=3D"24" style=3D"background-color:#fffffe; =
width:600px"><tbody><tr><td style=3D"height:1px; font-size:1px; =
line-height:1px; padding-top:23px; box-sizing:content-box" =
class=3D"">&nbsp;</td></tr></tbody></table>
	=09
<!-- [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/business/home?elqTrackId=3Daff6f463dc1=
0420f92f8bf22621e5de5&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D509=
4&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=3D8AF=
505EDC07935411C06098EED60422DD31B1A2E7784D38D609CDCF422D11080092F" =
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=3Dea638=
492c3e94b6ca687a2e22207d398&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=
=3D5094&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=
=3D8AF58E3A4D8F64A391D85574F21BA952C5C31A2E7784D38D609CDCF422D11080092F" =
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">&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;</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=3De537e8d3=
57a34c7ba06adf9b3bb753ce&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D=
5094&elqat=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=3D=
8AF5E87B38A7E32912A55CA5609AC354811E1A2E7784D38D609CDCF422D11080092F" =
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">&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;</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=3Db7e8ae9c27164054bd6091080575b348&elq=3D66b10dc=
ef9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&elqCampaignId=3D1098&el=
qcst=3D272&elqcsid=3D12260&elqak=3D8AF5DA6ABCD9630EF94491CFF9EA685DD4281A=
2E7784D38D609CDCF422D11080092F" 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">&nbsp;</td>
											</tr>
										</tbody>
									</table>
									</div>
									</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&rsquo;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 <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3D4e32bcd1cef1451a9cb1444966765e77&elq=3D66b10dcef=
9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&elqCampaignId=3D1098&elqc=
st=3D272&elqcsid=3D12260&elqak=3D8AF59C1D54DDC5A5FF69FC80D10B52BCF5AC1A2E=
7784D38D609CDCF422D11080092F" style=3D"color:#000001; text-decoration: =
underline" target=3D"_blank" title=3D"security pages">security pages</a> =
for more details.<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 />
			Please let us know if you have a problem &ndash; we&rsquo;re here to =
help. See our complaints process on our &lsquo;Help &amp; Support&rsquo; =
page at <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/business/help-and-support/account-mana=
gement/make-a-complaint.html?elqTrackId=3D2e1bcacfb56f4952b684c93b74b9f8d=
b&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&elqCampa=
ignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=3D8AF5052093C7AAEF86BE98D=
DF2CC85648F3D1A2E7784D38D609CDCF422D11080092F" style=3D"color:#000001; =
text-decoration: underline" target=3D"_blank" =
title=3D"complaint">lloydsbank.com/business/complaint</a>.<br />
			<br />
			<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">If you need extra help</strong><br />
			<br />
			<strong class=3D"f_GUS_B" =
style=3D"font-family:arial,helvetica,sans-serif; color:#000001; =
font-weight: bold">If you have a hearing or speech impairment</strong> - =
you can use Relay UK. More information on the Relay UK Service can be =
found at: <a class=3D"f_GUS_R" =
href=3D"https://www.relayuk.bt.com/?elqTrackId=3D60a7439043a0469389093291=
33f2820e&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D5094&elqat=3D1&e=
lqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=3D8AF591729A34C77F=
0E9B87647AD218D550A01A2E7784D38D609CDCF422D11080092F" =
style=3D"color:#000001; text-decoration: underline" target=3D"_blank" =
title=3D"relayuk">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> &ndash; =
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 />
			Online banking helpdesk: Lines are open Monday to Friday, 7am to 8pm, =
and Saturday, 9am to 2pm, excluding bank holidays. 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 don&rsquo;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 &ndash; 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 />
			To help us improve the emails we send you, we collect basic =
information from your device such as when they are opened. For more =
information please read our <a class=3D"f_GUS_R" =
href=3D"https://www.lloydsbank.com/cookies?elqTrackId=3Db8068dbb08f7487ca=
2f3ace6fe42bd40&elq=3D66b10dcef9554b48a847c48d712b9333&elqaid=3D5094&elqa=
t=3D1&elqCampaignId=3D1098&elqcst=3D272&elqcsid=3D12260&elqak=3D8AF55E5CB=
F20F8F8DCE996610BD33DCEEE5C1A2E7784D38D609CDCF422D11080092F" =
style=3D"color:#000001; text-decoration: underline" target=3D"_blank" =
title=3D"Cookies Policy">Cookies Policy</a>.<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 />
			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 Number 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 August 2025&nbsp;and is relevant to =
Lloyds Bank plc products and services only.</td>
		</tr>
	</tbody>
</table>
	=09


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