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Reply-To: "Lloyds Bank" <autoresponse@lloydsbank.co.uk>
From: "Lloyds Bank" <info@emails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Will the Bank of England rate change affect you?
Date: Thu, 1 Aug 2024 12:26:48 +0100
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  <https://link.emails.lloydsbanking.com/e/FooterImages/FooterImage1?elq=5c1a5ba3b6b74c7786a2746fd410253a&siteid=794418472>

The Bank of England rate has changed today.
To help you spot a genuine email from us, we’ll always greet you with your 
title and last name and we’ll include the last four digits of an account 
that you hold with us: 2547.

 <https://www.lloydsbank.com?elqTrackId=864a07d50b65494594736c025631d76c&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386>


The Bank of England base rate has changed today.

Dear Mr Home,

Whether the base rate impacts your mortgage repayments or not depends on the 
type of mortgage you have.


Have a fixed rate mortgage?
A mortgage with a fixed interest rate means it won’t be affected when the 
base rate goes up or down.
Have a variable rate mortgage?
We are currently reviewing our variable rate mortgages. We’ll send you 
details of any change to your interest rate and mortgage payments by post. 
You don’t need to do anything until you receive this. The change won’t 
happen straight away, the date will be detailed in the letter.


Rate Change Calculator
Use our interest rate change calculator to help you see how the change could 
affect your mortgage repayments.

You will need:


•
to get your remaining mortgage balance and term from your most recent 
mortgage statement or find it in Home Wise, our Mobile Banking App or 
Internet Banking 
<https://www.lloydsbank.com/mortgages/existing-customers/homewise.html?utm_source=MTG&utm_medium=Email&utm_campaign=BoE&utm_term=2023&utm_content=OnlineBanking&elqTrackId=d498e0627e3c4351a4e7092b22468702&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386>


•
to know the interest rate you’ll be moving to.

Rate Change Calculator 
<https://www.lloydsbank.com/mortgages/existing-customers/base-rate-rise-mortgage-calculator.html?utm_source=MTG&utm_medium=Email&utm_campaign=BoE&utm_term=2023&utm_content=Ratechangecalc&elqTrackId=422e50e0570140eeb3d9db9034aee491&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386> 
 >


We’re here to help if you’re worried about your mortgage payments
If you’re struggling with your mortgage payment or can’t pay as much as you 
usually do and would like support and guidance please click below.

Get support today 
<https://www.lloydsbank.com/mortgages/existing-customers/mortgage-support.html?utm_source=MTG&utm_medium=Email&utm_campaign=BoE&utm_term=2023&utm_content=MS&elqTrackId=d1969a448bb4470abcfe07a34a3dc1c1&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386> 
 >

At Lloyds Bank we want you to be happy with the communications we share with 
you. How happy were you to receive this communication?We 
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Important informationOur app is available to customers with a UK personal account and valid 
registered phone number. Minimum operating systems apply, so check the App 
Store or Google Play for details. Device registration required. Terms and 
conditions 
<https://www.lloydsbank.com/legal/online-banking/internet-banking.html?elqTrackId=ed9e17a5ff0949528ee3b6c572e0928c&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=16709> 
apply.We send communications like this for legal reasons, to help you make the 
most of your accounts, or to let you know about changes to your accounts or 
services.Email address book – add us to make sure you get our emails.

How we use your information – review our privacy policy 
<https://www.lloydsbank.com/privacy.html?elqTrackId=daf11e2ebcd94981becad90e854da89c&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=16713> 
.

For accounts held in the Channel Islands and Isle of Man there’s a separate 
privacy policy 
<http://international.lloydsbank.com/privacy/?elqTrackId=e35b7ff7e13f45ed89783d22febf439e&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=19249> 
.

Email
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=c3cb7bcaf5014849897204cee9cf03fc&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=57433> 
.

Security information
It can be tricky to spot a scam message. We’ll never send you an email with 
a direct link to a page that wants you to log on, or give personal or 
banking details.

If we send you an email, it will always include your title, surname and the 
last four digits of an account that you hold with us.

If you're not sure that an email is from us:

• Forward it to emailscams@lloydsbanking.com 
<mailto:emailscams@lloydsbanking.com>  and then delete it.
• Or call us on 0345 300 0116 <tel:03453000116>  (+44 173 323 2030 
<tel:+441733232030>  outside the UK). Lines are open 8am - 6pm, seven days a 
week, excluding bank holidays.

To find out more on how to avoid scams and to read our fraud guarantee, 
visit our Fraud Hub 
<https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud.html?elqTrackId=ca67e14044ee45d0bf56be86c0c948aa&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=16710> 
.

If you need this communication in another format, such as large print, 
Braille or audio CD, please contact us.
You can call us using Relay UK if you have a hearing or speech impairment. 
There's more information on the Relay UK 
<https://www.relayuk.bt.com?elqTrackId=c59c9d0ef4524b318905aa851721008b&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=16707> 
help pages.
SignVideo 
<https://www.lloydsbank.com/help-guidance/accessibility/signvideo.html?elqTrackId=012e036f64ce445286bb28d760b80f8a&elq=5c1a5ba3b6b74c7786a2746fd410253a&elqaid=6730&elqat=1&elqCampaignId=1386&elqcst=272&elqcsid=16707> 
services are also available if you’re Deaf and use British Sign Language.
If you need support due to a disability please get in touch.Calls and online sessions may be monitored and recorded. Not all Telephone 
Banking services are available 24 hours a day, seven days a week.Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. 
Registered in England and Wales no. 2065 Lloyds Bank plc is authorised by 
the Prudential Regulation Authority and regulated by the Financial Conduct 
Authority and the Prudential Regulation Authority under registration number 
119278.

This information is correct as of July 2024 and is relevant to Lloyds Bank 
plc products and services only.
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        [data-ogsc] .d_darkText{color:#323233 !important;}  =20
    </style>
    <!--[if gte mso 9]>
    <style type=3D"text/css">
        v\:* { behavior: url(#default#VML); display:inline-block}
        o\:* { behavior: url(#default#VML); }
    </style>
    <xml>
      <o:OfficeDocumentSettings>
        <o:AllowPNG/>
        <o:PixelsPerInch>96</o:PixelsPerInch>
      </o:OfficeDocumentSettings>
    </xml>
    <![endif]-->
    <!--[if gt mso 15]>
    <style type=3D"text/css" media=3D"all">
        /* Outlook 2016 Height/Pagebreak Fix */
        table, tr, td {border-collapse: collapse;}
        tr { font-size:0px; line-height:0px; border-collapse: collapse; =
}
    </style>
    <![endif]-->
    <!--[if !mso]><!-- custom fonts -->
    <!-- Lloyds FONT DECLARATION - 'LBJ' -->
    <link =
href=3D"https://image.emails.lloydsbank.com/Web/LloydsBankingGroup/{83646=
0a0-fe26-4f80-a49f-5f37ab3ab1b8}_ltb_base64_fonts.css" =
rel=3D"stylesheet">
    <!--[endif]--><!---->
</head>
<body class=3D"m_w100pc" bottommargin=3D"0" leftmargin=3D"0" =
rightmargin=3D"0" topmargin=3D"0" style=3D"border: 0px none; padding: =
0px; margin: 0px; text-align: center; font-size: 0px; line-height: 0; =
font-family: arial,helvetica,sans-serif; background-color:#f1f1f1; =
position:relative;"><img =
src=3D'https://link.emails.lloydsbanking.com/e/FooterImages/FooterImage1?=
elq=3D5c1a5ba3b6b74c7786a2746fd410253a&siteid=3D794418472' alt=3D"" =
border=3D0 width=3D1px height=3D1px style=3D'display:block;'>




    <div style=3D"width:100%; height:100%; background-color:#f1f1f1; =
overflow:visible; font-size:0; line-height:0;">

        <!-- [H1] HEADER (default) -->
            <!-- PREHEADER -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" style=3D"margin:auto;">
            <tr>
                <td align=3D"left" style=3D"padding:11px 20px 11px 20px; =
position:relative; font-size:0; line-height:0; =
background-color:#fffffe;">
                    <table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" =
style=3D"margin:auto; width:100%;">
                        <tr>
                            <td class=3D"m_w100pc f_LBJ_B" =
align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px; padding-bottom:5px; font-weight:bold;" width=3D"300">
                                The Bank of England rate has changed =
today.
                            </td>
                        </tr>
                        <tr>
                            <td class=3D"m_w100pc f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;" width=3D"300">
                                 <!-- LIVE_LB_SECURITY_HEADER_A --><span =
style=3D"display: inline !important;"><!-- LIVE_LB_SECURITY_HEADER_A =
--><span class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">To help you spot a genuine email from us, we&rsquo;ll =
always greet you with your title and last name and we&rsquo;ll include =
the last four digits of an account that you hold with us: </span><!-- =
LIVE_LB_SECURITY_HEADER_A END --></span><!-- LIVE_LB_SECURITY_HEADER_A =
END --><!-- UPDATE -->2547<!-- END --><!-- LIVE_LB_SECURITY_HEADER_B =
--><span style=3D"display: inline !important;"><span class=3D"f_LBJ" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;">.</span></span><!-- =
LIVE_LB_SECURITY_HEADER_B END -->
                         =20
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>
            <!-- HEADER -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"600" height=3D"66" align=3D"center" =
valign=3D"top" style=3D"background-color:#006a4d; margin:auto;">
            <tr>
                <td valign=3D"top" style=3D"background-color:#0b6a4e; =
width:600px; height:74px; vertical-align:top; font-size:0; =
line-height:0;">
                    <table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"560" align=3D"center" =
style=3D"margin:auto;">
                        <tr>
                            <td class=3D"m_w100pc" =
style=3D"vertical-align:middle; text-align:left; =
background-image:url('https://image.emails.lloydsbank.com/EloquaImages/cl=
ients/LloydsBankingGroup/%7Bad742b14-5a02-4a4e-9e2c-d5d8978a9396%7D_Lloyd=
s-Header-B2C-Desktop-Logo-v1.jpg'); background-size:600px 74px; =
background-position:left; width:600px; height:74px;">
                                <!-- LOGO -->=20
                                <a =
href=3D"https://www.lloydsbank.com?elqTrackId=3D864a07d50b65494594736c025=
631d76c&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730&elqat=3D1&el=
qCampaignId=3D1386" target=3D"_blank" title=3D"Lloyds" =
style=3D"font-size:20px; line-height:1.2em; color:#fffffe;"><img =
class=3D"m_h" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bad742b14-5a02-4a4e-9e2c-d5d8978a9396%7D_Lloyds-Header-B2C-De=
sktop-Logo-v1.jpg" alt=3D"Lloyds Bank" width=3D"600" height=3D"74" =
border=3D"0" style=3D"width:600px; height:74px;"/></a>
                             =20
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"5" bgcolor=3D"#f1f1f1;"><tr><td =
style=3D"background-color:#f1f1f1; height:1px; font-size:1px; =
line-height:1px; padding-top:5px; =
box-sizing:content-box;">&nbsp;</td></tr></table>
	=09
		<!-- [12] OFFER -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"600" align=3D"center" valign=3D"top" =
style=3D"margin:auto;">
            <tr>
                <td valign=3D"top" style=3D"background-color:#ffffff; =
width:600px; height:66px; vertical-align:top; font-size:0; =
line-height:0;">
                    <table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" align=3D"center" =
valign=3D"top" style=3D"margin:auto;">
                        <tr>
                            <td class=3D"f_LBJ_B" bgcolor=3D"#024731" =
style=3D"background-color:#024731; color:#ffffff; font-size:22px; =
line-height:26px; font-family:arial, helvetica, sans-serif; =
font-weight:bold; text-align:left; padding-top:28px; =
padding-bottom:28px; padding-left: 20px">
                                The Bank of England base rate has =
changed today.=20
                            </td>
                        </tr>
                       =20
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>
	=09
	=09
		<!-- [3a] TEXT (with H2) -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
            <tr>
                <td align=3D"left" valign=3D"top" style=3D"padding:30px =
20px; mso-padding-alt:25px 20px 25px 20px; font-size:0; line-height:0;">
                    <table class=3D"m_w100pc m_mauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560" =
style=3D"margin:auto;">
                     =20
                        <tr>
                            <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:0px;">
                             Dear Mr Home,<br><br>  Whether the base =
rate impacts your mortgage repayments or not depends on the type of =
mortgage  you have.
                            </td>
                        </tr>
                      =20
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"13" =
bgcolor=3D"#f1f1f1;"><tr><td style=3D"background-color:#f1f1f1; =
height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;">&nbsp;</td></tr></table>
     =20
     =20
     =20
     =20
     =20
      <!-- [3a] TEXT (with H2) -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#0b6a4e" =
style=3D"margin:auto; background-color:#0b6a4e;">
            <tr>
                <td align=3D"left" valign=3D"top" style=3D"padding:30px =
20px; mso-padding-alt:25px 20px 25px 20px; font-size:0; line-height:0;">
                    <table class=3D"m_w100pc m_mauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560" =
style=3D"margin:auto;">
                        <tr>
                            <td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#ffffff; font-family:arial,helvetica,sans-serif; =
font-size:22px; line-height:26px; font-weight:bold; =
text-decoration:none; padding-bottom:10px;">
                              Have a fixed rate mortgage?
                            </td>
                        </tr>
                        <tr>
                            <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#ffffff; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:30px;">
                               A mortgage with a fixed interest rate =
means it won=E2=80=99t be affected when the base rate goes up or down.=20
                            </td>
                        </tr>
                      <tr>
                            <td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#ffffff; font-family:arial,helvetica,sans-serif; =
font-size:22px; line-height:26px; font-weight:bold; =
text-decoration:none; padding-bottom:10px;">
                                Have a variable rate mortgage?
                            </td>
                        </tr>
                        <tr>
                            <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#ffffff; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:0px;">
                              We are currently reviewing our variable =
rate mortgages. We=E2=80=99ll send you details of any change to your =
interest rate and mortgage payments by post. You don=E2=80=99t need to =
do anything until you receive this. The change won=E2=80=99t happen =
straight away, the date will be detailed in the letter.


                            </td>
                        </tr>
                      =20
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"13" =
bgcolor=3D"#f1f1f1;"><tr><td style=3D"background-color:#f1f1f1; =
height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;">&nbsp;</td></tr></table>
     =20
     =20
     =20
     =20

     =20
     =20
     =20
     =20
     =20
      <!-- [3a] TEXT (with H2) -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
            <tr>
                <td align=3D"left" valign=3D"top" style=3D"padding:30px =
20px; mso-padding-alt:25px 20px 25px 20px; font-size:0; line-height:0;">
                    <table class=3D"m_w100pc m_mauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560" =
style=3D"margin:auto;">
                        <tr>
                            <td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:22px; line-height:26px; font-weight:bold; =
text-decoration:none; padding-bottom:20px;">
                               Rate Change Calculator=20
                            </td>
                        </tr>
                        <tr>
                            <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:20px;">
                               Use our interest rate change calculator =
to help you see how the change could affect your mortgage repayments.
                              <br><br>
                              <strong>You will need:</strong>
                            </td>
                        </tr>
                        <tr>
                <td style=3D"padding:0px 20px 10px 0px;">
                    <table align=3D"left" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0">
                        <tr>
                            <td style=3D"vertical-align: top" =
valign=3D"top">
                                <table align=3D"left" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"10" border=3D"0" style=3D"width:10px;">
                                    <tr>
                                        <td align=3D"center" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; ">
                                          &bull;
                                        </td>
                                    </tr>
                                </table>
                            </td>
                            <td style=3D"padding-left:15px;">
                                <table class=3D"" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" >
                                    <tr>
                                        <td class=3D"f_LBJ" =
align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">
                                         to get your remaining mortgage =
balance and term from your most recent mortgage statement or find it in =
Home Wise,  our Mobile Banking App or <a =
href=3D"https://www.lloydsbank.com/mortgages/existing-customers/homewise.=
html?utm_source=3DMTG&utm_medium=3DEmail&utm_campaign=3DBoE&utm_term=3D20=
23&utm_content=3DOnlineBanking&elqTrackId=3Dd498e0627e3c4351a4e7092b22468=
702&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730&elqat=3D1&elqCam=
paignId=3D1386" target=3D"_target" style=3D"color:#006A4D; =
text-decoration: underline;" title=3D"Internet Banking">Internet =
Banking</a>
                                        </td>
                                    </tr>
                                </table>
                            </td>
                        </tr>
                    </table>
                </td>
            </tr>
          =20
           =20
            <tr>
                <td style=3D"padding:10px 20px 30px 0px; font-size:0; =
line-height:0;">
                    <table align=3D"left" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0">
                        <tr>
                            <td >
                                <table align=3D"left" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"10" border=3D"0" style=3D"width:10px;">
                                    <tr>
                                        <td align=3D"center" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none;">
                                            &bull;
                                        </td>
                                    </tr>
                                </table>
                            </td>
                            <td style=3D"padding-left:15px;">
                                <table class=3D"" align=3D"left" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" >
                                    <tr>
                                        <td class=3D"f_LBJ" =
align=3D"left" style=3D"color:#323233; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:20px; text-decoration:none;">=20
                                            to know the interest rate =
you=E2=80=99ll be moving to.
                                        </td>
                                    </tr>
                                </table>
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
                       <tr>
                            <td align=3D"left">
                                <!--// CTA START \\-->
                                <table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0"><tr><td align=3D"center" =
style=3D"background-color:#006A4D; mso-padding-alt:0 30px;">
                                <a class=3D"f_LBJ_M" =
href=3D"https://www.lloydsbank.com/mortgages/existing-customers/base-rate=
-rise-mortgage-calculator.html?utm_source=3DMTG&utm_medium=3DEmail&utm_ca=
mpaign=3DBoE&utm_term=3D2023&utm_content=3DRatechangecalc&elqTrackId=3D42=
2e50e0570140eeb3d9db9034aee491&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elq=
aid=3D6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" =
title=3D"Rate Change Calculator" style=3D"border:1px solid #006A4D; =
background-color:#006A4D; color:#ffffff; display:block; =
font-family:Arial,helvetica,sans-serif; font-size:15px; =
font-weight:bold; mso-line-height-rule:exactly; line-height:24px; =
text-align:center; text-decoration:none; padding:9px 30px 9px 30px; =
mso-padding-alt:14px 15px 14px 15px;">Rate Change Calculator  &gt;</a>
                                </td></tr></table>
                                <!--// CTA END \\-->
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"13" =
bgcolor=3D"#f1f1f1;"><tr><td style=3D"background-color:#f1f1f1; =
height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;">&nbsp;</td></tr></table>
	=09
	=09
	=09
	=09
     <!-- [3a] TEXT (with H2) -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
            <tr>
                <td align=3D"left" valign=3D"top" style=3D"padding:30px =
20px; mso-padding-alt:25px 20px 25px 20px; font-size:0; line-height:0;">
                    <table class=3D"m_w100pc m_mauto" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560" =
style=3D"margin:auto;">
                        <tr>
                            <td class=3D"f_LBJ_B" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:22px; line-height:26px; font-weight:bold; =
text-decoration:none; padding-bottom:20px;">
                                We=E2=80=99re here to help if =
you=E2=80=99re worried about your mortgage payments
                            </td>
                        </tr>
                        <tr>
                            <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#323233; font-family:arial,helvetica,sans-serif; =
font-size:16px; line-height:20px; text-decoration:none; =
padding-bottom:20px;">
                             If you=E2=80=99re struggling with your =
mortgage payment or can=E2=80=99t pay as much as you usually do and =
would like support and guidance please click below.
                            </td>
                        </tr>
                        <tr>
                            <td align=3D"left">
                                <!--// CTA START \\-->
                                <table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0"><tr><td align=3D"center" =
style=3D"background-color:#006A4D; mso-padding-alt:0 30px;">
                                <a class=3D"f_LBJ_M" =
href=3D"https://www.lloydsbank.com/mortgages/existing-customers/mortgage-=
support.html?utm_source=3DMTG&utm_medium=3DEmail&utm_campaign=3DBoE&utm_t=
erm=3D2023&utm_content=3DMS&elqTrackId=3Dd1969a448bb4470abcfe07a34a3dc1c1=
&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730&elqat=3D1&elqCampai=
gnId=3D1386" target=3D"_blank" title=3D"Get support today" =
style=3D"border:1px solid #006A4D; background-color:#006A4D; =
color:#ffffff; display:block; font-family:Arial,helvetica,sans-serif; =
font-size:15px; font-weight:bold; mso-line-height-rule:exactly; =
line-height:24px; text-align:center; text-decoration:none; padding:9px =
30px 9px 30px; mso-padding-alt:14px 15px 14px 15px;">Get support today =
&gt;</a>
                                </td></tr></table>
                                <!--// CTA END \\-->
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"13" =
bgcolor=3D"#f1f1f1;"><tr><td style=3D"background-color:#f1f1f1; =
height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;">&nbsp;</td></tr></table>	=09
	=09
	=09
<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#fffffe;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#fffffe" align=3D"center">
	<tbody>
		<tr>
			<td class=3D"f_LBJ m_pb20" style=3D"color:#1e1e1e; =
font-family:arial,helvetica,sans-serif; font-size:22px; =
line-height:26px; font-weight:bold; text-decoration:none; padding:30px =
20px 0 20px" align=3D"left">At Lloyds Bank we want you to be happy with =
the communications we share with you. How happy were you to receive this =
communication?</td>
		</tr>
		<tr>
			<td class=3D"f_LBJ m_pt0 m_pb20" style=3D"color:#6b777c; =
font-family:arial,helvetica,sans-serif; font-size:15px; =
line-height:21px; font-weight:normal; text-decoration:none; padding:10px =
20px 10px 20px" align=3D"left">We may use your answer to improve our =
communications and their relevancy to you.</td>
		</tr>
		<tr>
			<td class=3D"m_p0 m_pb30" style=3D"padding:10px 10px 20px 10px; =
vertical-align:top;" valign=3D"top" align=3D"center">
			<table class=3D"m_w100pc-30" style=3D"margin:auto; =
vertical-align:top;" cellspacing=3D"0" cellpadding=3D"0" border=3D"0" =
align=3D"center">
				<tbody>
					<tr>
						<td><!--[if mso | ie]><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center"  =
style=3D"margin:auto;"><tr><td><![endif]-->
						<table class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; padding-bottom:10px;" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"left">
							<tbody>
								<tr>
									<td><a class=3D"m_h" =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D1&elqTrackId=3Dd112159=
9d7bd4d169747c141dfd8abe7&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Very =
unhappy">
<img alt=3D"Very unhappy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bd7396ee1-4c4b-4346-afdb-e994acbe36f3%7D_LTB-Very-Unhappy-Des=
ktop.png" style=3D"display:inline-block; width:104px; height:104px; =
border:0; background-color:#77ba00; border-radius:4px; =
text-align:center; color:#1e1e1e; font-size:18px; line-height:1.2em;" =
width=3D"104"> </a> <!--[if !mso]><!-- mobile image -->
 <a class=3D"m_d_b " =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D1&elqTrackId=3D27c11f4=
9d5c6493f8b7064fb2d33bb81&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Very =
unhappy">
 <img alt=3D"Very unhappy" class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B64452929-fabf-4654-aa6f-581646ebfe8b%7D_LTB-Very-Unhappy-Mob=
ile.png" style=3D"display:none; height:auto; width:100%; border:0;"> =
</a> <!--[endif]----></td>
									<td class=3D"m_h" style=3D"color:#00a0d6; =
font-family:arial,helvetica,sans-serif; font-size:1px; line-height:1px; =
width:10px;">&nbsp;</td>
								</tr>
							</tbody>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->

						<table class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; padding-bottom:10px;" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"left">
							<tbody>
								<tr>
									<td><a class=3D"m_h" =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D2&elqTrackId=3D3d08158=
6a64946a89589a21d86f51eef&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Fairly =
unhappy">
<img alt=3D"Fairly unhappy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Be407e2ad-a301-41a8-b3ad-5bef6de52db5%7D_LTB-Fairly-Unhappy-D=
esktop.png" style=3D"display:inline-block; width:104px; height:104px; =
border:0; background-color:#77ba00; border-radius:4px; =
text-align:center; color:#1e1e1e; font-size:18px; line-height:1.2em;" =
width=3D"104"> </a> <!--[if !mso]><!-- mobile image -->
 <a class=3D"m_d_b " =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D2&elqTrackId=3Dce98efc=
e840341afa9edcecfc749ecd9&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Fairly =
unhappy">
 <img alt=3D"Fairly unhappy" class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B7d76acc0-6239-4033-adb4-95c5adb52e97%7D_LTB-Fairly-Unhappy-M=
obile.png" style=3D"display:none; height:auto; width:100%; border:0;"> =
</a> <!--[endif]----></td>
									<td class=3D"m_h" style=3D"color:#00a0d6; =
font-family:arial,helvetica,sans-serif; font-size:1px; line-height:1px; =
width:10px;">&nbsp;&nbsp;</td>
								</tr>
							</tbody>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->

						<table class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; padding-bottom:10px;" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"left">
							<tbody>
								<tr>
									<td><a class=3D"m_h" =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D3&elqTrackId=3Dc3ba3b6=
49d47452fb3b75f9ac8162c1b&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Neither =
happy or unhappy">
<img alt=3D"Neither happy or unhappy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B2431e64b-cfe8-4830-9e76-f147ecfa74ba%7D_LTB-Neither-Desktop.=
png" style=3D"display:inline-block; width:104px; height:104px; border:0; =
background-color:#77ba00; border-radius:4px; text-align:center; =
color:#1e1e1e; font-size:18px; line-height:1.2em;" width=3D"104"> </a> =
<!--[if !mso]><!-- mobile image -->
 <a class=3D"m_d_b " =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D3&elqTrackId=3D7b8dfa2=
4ef3744da8c9e589fe9c2fe8d&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Neither =
happy or unhappy">
 <img alt=3D"Neither happy or unhappy" class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B196b6b7d-7c72-41e5-9ae5-0d91a0465bc1%7D_LTB-Neither-Mobile.p=
ng" style=3D"display:none; height:auto; width:100%; border:0;"> </a> =
<!--[endif]----></td>
									<td class=3D"m_h" style=3D"color:#00a0d6; =
font-family:arial,helvetica,sans-serif; font-size:1px; line-height:1px; =
width:10px;">&nbsp;&nbsp;</td>
								</tr>
							</tbody>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->

						<table class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; padding-bottom:10px;" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"left">
							<tbody>
								<tr>
									<td><a class=3D"m_h" =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D4&elqTrackId=3D73b2a99=
b741d426daa76a1a59d145c05&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Fairly =
happy">
<img alt=3D"Fairly happy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B46813208-7398-45f2-944d-1dc11db28fa0%7D_LTB-Fairly-Happy-Des=
ktop.png" style=3D"display:inline-block; width:104px; height:104px; =
border:0; background-color:#77ba00; border-radius:4px; =
text-align:center; color:#1e1e1e; font-size:18px; line-height:1.2em;" =
width=3D"104"> </a> <!--[if !mso]><!-- mobile image -->
 <a class=3D"m_d_b " =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D4&elqTrackId=3Dadc1079=
e75054c5ea600a7650209bbeb&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Fairly =
happy">
 <img alt=3D"Fairly happy" class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B1cbef18e-dcd1-488d-b65c-8c8baa8d5bc7%7D_LTB-Fairly-Happy-Mob=
ile.png" style=3D"display:none; height:auto; width:100%; border:0;"> =
</a> <!--[endif]----></td>
									<td class=3D"m_h" style=3D"color:#00a0d6; =
font-family:arial,helvetica,sans-serif; font-size:1px; line-height:1px; =
width:10px;">&nbsp;&nbsp;</td>
								</tr>
							</tbody>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->

						<table class=3D"m_w100pc" style=3D"margin:auto; =
vertical-align:top; padding-bottom:10px;" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"left">
							<tbody>
								<tr>
									<td><a class=3D"m_h" =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D5&elqTrackId=3D86f8925=
89e444abeba12937496d525b7&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Very =
happy">
<img alt=3D"Very happy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bdda7c0d0-23d7-41cc-9734-65a4431bf741%7D_LTB-Very-Happy-Deskt=
op.png" style=3D"display:inline-block; width:104px; height:104px; =
border:0; background-color:#77ba00; border-radius:4px; =
text-align:center; color:#1e1e1e; font-size:18px; line-height:1.2em;" =
width=3D"104"> </a> <!--[if !mso]><!-- mobile image -->
 <a class=3D"m_d_b " =
href=3D"https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=3Dc-sat_=
ltb&elqSiteID=3D794418472&elqconid=3DCLLOB000006694047&emailName=3DLIVE_M=
OR_LTB_M_BoE%20Announcement%20%7CT22BRC3E_20220317&brcd=3DLTB&unid=3D1141=
054839088&ptid=3D10060095&tid=3DT22BRC3E01&score=3D5&elqTrackId=3Dedecbba=
32b4340d887679ceac50a68ee&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386" target=3D"_blank" title=3D"Very =
happy">
 <img alt=3D"Very happy" class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bea36aabf-31a4-447d-9c79-b8389c6dd14f%7D_LTB-Very-Happy-Mobil=
e.png" style=3D"display:none; height:auto; width:100%; border:0;"> </a> =
<!--[endif]----></td>
								</tr>
							</tbody>
						</table>
						<!--[if mso | ie]></td></tr></table><![endif]--></td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
<!-- SURVEY -->

        <!-- V SPACER 13 -->
        <table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"13"><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:12px; =
box-sizing:content-box;">&nbsp;</td></tr></table>=09
	=09
	=09
	=09
	=09
	=09
		         <!-- FOOTER TEXT -->
        <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" style=3D"margin:auto; =
background-color:#ffffff;">
            <tr>
                <td class=3D"m_p20" align=3D"left" style=3D"font-size:0; =
line-height:0;">
                    <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" >
                        <tr>
                            <td class=3D"m_p0 f_LBJ" =
style=3D"font-size:12px; line-height:16px; =
font-family:arial,helvetica,sans-serif; color:#323233; padding:30px 0px =
30px 0px;">
                              <!-- LIVE_LB_IMPORTANT_INFO_HEADING -->
                <span style=3D"display: inline !important;"><!-- =
LB_CARDS_IMPORTANT_INFO_HEADING -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 0 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">Important =
information</strong></td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>
                             =20
<!--LIVE_LB_MOBILE_BANKING_APP-->
 <span style=3D"display: inline !important;"><!-- =
LIVE_LB_MOBILE_BANKING_APP -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Our app is available to customers with a UK personal =
account and valid registered phone number. Minimum operating systems =
apply, so check the App Store or Google Play for details. Device =
registration required. <a =
href=3D"https://www.lloydsbank.com/legal/online-banking/internet-banking.=
html?elqTrackId=3Ded9e17a5ff0949528ee3b6c572e0928c&elq=3D5c1a5ba3b6b74c77=
86a2746fd410253a&elqaid=3D6730&elqat=3D1&elqCampaignId=3D1386&elqcst=3D27=
2&elqcsid=3D16709" style=3D"text-decoration:underline; color:#006A4D;" =
target=3D"_blank" title=3D"Terms and conditions">Terms and =
conditions</a> apply.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>                             =20
                             =20
                             =20
                <!-- LIVE_LB_NMI -->
                <span style=3D"display: inline !important;"><!-- =
LIVE_LB_NMI -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">We send communications like this for legal reasons, =
to help you make the most of your accounts, or to let you know about =
changes to your accounts or services.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_ADDRESS_BOOK -->
                <span style=3D"display: inline !important;"><!-- =
LB_ADDRESS_BOOK -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">Email address =
book</strong> &ndash; add us to make sure you get our emails.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_PRIVACY_POLICY -->
                <span style=3D"display: inline !important;"><!-- =
LB_PRIVACY_POLICY -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">How we use =
your information</strong> &ndash; review our <a =
href=3D"https://www.lloydsbank.com/privacy.html?elqTrackId=3Ddaf11e2ebcd9=
4981becad90e854da89c&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730=
&elqat=3D1&elqCampaignId=3D1386&elqcst=3D272&elqcsid=3D16713" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page if you'd like to read the Lloyds Bank privacy =
policy.">privacy policy</a>.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_PRIVACY_POLICY_MORTGAGES -->
                <span style=3D"display: inline !important;"><!-- =
LIVE_LB_PRIVACY_POLICY_MORTGAGES -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B" =
style=3D"font-family:arial,verdana,helvetica,sans-serif;">For accounts =
held in the Channel Islands and Isle of Man</strong> there&rsquo;s a =
separate <a =
href=3D"http://international.lloydsbank.com/privacy/?elqTrackId=3De35b7ff=
7e13f45ed89783d22febf439e&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D=
6730&elqat=3D1&elqCampaignId=3D1386&elqcst=3D272&elqcsid=3D19249" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page if you'd like to read the Lloyds Bank privacy =
policy for accounts held in the Channel Islands and Isle of =
Man.">privacy policy</a>.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

<!-- LIVE_LB_OPEN_DISCLOSURE -->
<span style=3D"display: inline !important;"><!-- LIVE_LB_OPEN_DISCLOSURE =
-->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B">Email</strong><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 =
href=3D"https://www.lloydsbank.com/cookies?elqTrackId=3Dc3cb7bcaf50148498=
97204cee9cf03fc&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730&elqa=
t=3D1&elqCampaignId=3D1386&elqcst=3D272&elqcsid=3D57433" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page if you=E2=80=99d like to read the Lloyds Bank =
cookies policy.">Cookies Policy</a>.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_JIT_NOTICE -->
                <span style=3D"display: inline !important;"></span>

                <!-- Live_LB_important_Info  -->
                <span style=3D"display: inline !important;"><!-- =
LIVE_LB_IMPORTANT_INFO -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B">Security =
information</strong><br />
						It can be tricky to spot a scam message. We&rsquo;ll never send =
you an email with a direct link to a page that wants you to log on, or =
give personal or banking details.<br />
						<br />
						If we send you an email, it will always include your title, =
surname and the last four digits of an account that you hold with us.<br =
/>
						<br />
						If you&#39;re not sure that an email is from us:<br />
						<br />
						&bull; Forward it to <a =
href=3D"mailto:emailscams@lloydsbanking.com" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Forward suspicious emails to this email =
address.">emailscams@lloydsbanking.com</a> and then delete it.<br />
						&bull; Or call us on <a href=3D"tel:03453000116" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Speak to someone about a suspicious email using this phone =
number.">0345 300 0116</a> (<a href=3D"tel:+441733232030" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Speak to someone about a suspicious email using this phone =
number.">+44 173 323 2030</a> outside the UK). Lines are open 8am - 6pm, =
seven days a week, excluding bank holidays.<br />
						<br />
						To find out more on how to avoid scams and to read our fraud =
guarantee, visit our <a =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3Dca67e14044ee45d0bf56be86c0c948aa&elq=3D5c1a5ba3b=
6b74c7786a2746fd410253a&elqaid=3D6730&elqat=3D1&elqCampaignId=3D1386&elqc=
st=3D272&elqcsid=3D16710" style=3D"text-decoration:underline; =
color:#006A4D;" target=3D"_blank" title=3D"Visit this page if =
you=E2=80=99d want to learn how to protect yourself from fraud.">Fraud =
Hub</a>.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_RELAY_SERVICE -->
                <span style=3D"display: inline !important;"><!-- =
LIVE_LB_RELAY_SERVICE -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><span style=3D"font-size:16px; line-height:20px;">If =
you need this communication in another format, such as large print, =
Braille or audio CD, please contact us.</span><br />
						You can call us using Relay UK if you have a hearing or speech =
impairment. There&#39;s more information on the <a =
href=3D"https://www.relayuk.bt.com?elqTrackId=3Dc59c9d0ef4524b318905aa851=
721008b&elq=3D5c1a5ba3b6b74c7786a2746fd410253a&elqaid=3D6730&elqat=3D1&el=
qCampaignId=3D1386&elqcst=3D272&elqcsid=3D16707" =
style=3D"text-decoration:underline; color:#006A4D;" target=3D"_blank" =
title=3D"Visit this page to find out more about Relay UK.">Relay UK</a> =
help pages.<br />
						<a =
href=3D"https://www.lloydsbank.com/help-guidance/accessibility/signvideo.=
html?elqTrackId=3D012e036f64ce445286bb28d760b80f8a&elq=3D5c1a5ba3b6b74c77=
86a2746fd410253a&elqaid=3D6730&elqat=3D1&elqCampaignId=3D1386&elqcst=3D27=
2&elqcsid=3D16707" style=3D"text-decoration:underline; color:#006A4D;" =
target=3D"_blank" title=3D"Visit this page to find out more about =
SignVideo services.">SignVideo</a> services are also available if =
you&rsquo;re Deaf and use British Sign Language.<br />
						If you need support due to a disability please get in touch.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_CALLS_MONITORED -->
                <span style=3D"display: inline !important;"><!-- =
LIVE_LB_CALLS_MONITORED -->
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#ffffff;" width=3D"600">
	<tbody>
		<tr>
			<td align=3D"left" style=3D"padding:0 20px 16px 20px;">
			<table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"m_w100pc" width=3D"560">
				<tbody>
					<tr>
						<td align=3D"left" class=3D"f_LBJ" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Calls and online sessions may be monitored and =
recorded. Not all Telephone Banking services are available 24&nbsp;hours =
a day, seven days a week.</td>
					</tr>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>

                <!-- LIVE_LB_REG_OFFICE -->
                <span style=3D"display: inline !important;"><!-- =
LB_REG_OFFICE -->
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
                        <tr>
                            <td align=3D"left" style=3D"padding:0 20px =
16px 20px;">
                                <table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560">
                                    <tr>
                                        <td class=3D"f_LBJ" =
align=3D"left" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">
                                        	Lloyds Bank plc. Registered =
Office: 25 Gresham Street, London EC2V&nbsp;7HN. Registered in England =
and Wales no.&nbsp;2065 Lloyds Bank plc is authorised by the Prudential =
Regulation Authority and regulated by the Financial Conduct Authority =
and the Prudential Regulation Authority under registration number =
119278.
                                        </td>
                                    </tr>
                                </table>
                            </td>
                        </tr>
                    </table></span>

                <!-- LIVE_LB_AS_AT_DATE -->
                <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#ffffff" =
style=3D"margin:auto; background-color:#ffffff;">
                    <tr>
                        <td align=3D"left" style=3D"padding:0 20px 16px =
20px;">
                            <table class=3D"m_w100pc" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"560">
                                <tr>
                                    <td class=3D"f_LBJ" align=3D"left" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;">
                                       =20
                                        <span style=3D"display: inline =
!important;"><!-- LB_AS_AT_DATE_A -->This information is correct as of =
<!-- LB_AS_AT_DATE_A END --></span><!-- UPDATE -->July 2024<!-- END =
--><span style=3D"display: inline !important;"><!-- LB_AS_AT_DATE_B =
-->&nbsp;and is relevant to Lloyds Bank plc products and services =
only.<!-- LB_AS_AT_DATE_B END --></span>
                                              =20
                                    </td>
                                </tr>
                            </table>
                        </td>
                    </tr>
                </table>
                            </td>
                        </tr>
                    </table>
                    <!--[if gte mso 15]><br />&nbsp;<![endif]-->
                </td>
            </tr>
        </table>
       =20
        <!--[if !mso]><!-- GMAIL IMAP HOLD-OPEN -->
        <img class=3D"m_h" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif" =
alt=3D"" height=3D"1" width=3D"600" style=3D"display:block; width:600px; =
border:1px solid transparent;"/>
        <!--[endif]--><!---->
    </div>



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