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Reply-To: "Lloyds Bank" <autoresponse@lloydsbank.co.uk>
From: "Lloyds Bank" <info@emails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Mr Home, deals hand-picked just for you!
Date: Wed, 11 Dec 2024 10:48:25 -0000
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  <https://link.emails.lloydsbanking.com/e/FooterImages/FooterImage1?elq=94901961f5ca4036b31ac1bfb7433c56&siteid=794418472>
A festive shopping deal you’ll never forget


  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_icon_DM.png>
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bb216d22e-b2c6-4ac0-8467-f1111603ef79%7D_header_icon_fill_323233.png> 
We'll always include your name, Mr Home, and the last four digits of an 
account you have with us (2547), so you know our emails are genuine.

 <https://www.lloydsbank.com/?elqTrackId=79e6660bd3cd418585fa7756682a3c5e&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF500BFC3872B357B8F29CA917C0BA3575E0144C25CC8D692BDD64EB235C6CC9E5E>

  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B0be62af5-90dd-46d2-8543-ca0eff2183c8%7D_LB_Logo_Horse_Mark_DM.png>
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B9623075d-e9d3-434f-9bd1-00231f4713d4%7D_LB_Logo_Horse_Mark.png>
The secret behind unbelievable deals
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bd9457f7b-c4f5-48e1-8e39-b8822e3db4cf%7D_061224_Desktop_Coffee-Machine_Mailer.gif> 
<https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bee8ef421-5b7f-4890-9985-197c6d2e0155%7D_061224_Mobile_Coffee_Mailer.gif>

If it looks too-good-to-be true, it probably is
Getting scammed could happen to anyone, and can be distressing to you and 
the ones you love. Unfortunately, the money lost to scams can also go on to 
fund other serious crimes.

Plus, you won't get what you paid for.

 	   <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B66e9ca8c-c45d-44e2-97b8-809453104a0f%7D_151124_Family_Shield-mobile-264px-2x.png>


Fraud is big business
Last year fraud made £2.3bn profit*, more than some of the UK's largest 
retailers.

What people don’t often know is that online scams can fund more serious 
crime. Facebook Marketplace and other social media platforms are where most 
online shopping scams start.

Let’s work together to avoid being fraud’s partner in crime.

Stop the cycle 
<https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud/buying-online-scams.html?utm_source=LB&utm_medium=Email&utm_campaign=fraud_seasonal&utm_id=Multi_BCE_Fraud_Trigger_TEMPLATE_ID1&utm_content=OLDER_buyingonline&elqTrackId=8e84802d6d27460b8979cfe554856aca&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5BDFEE150E697990A3369281AF340C1090144C25CC8D692BDD64EB235C6CC9E5E>

  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7B7b35a5ac-785d-4a37-a9cf-536b7541aa88%7D_151124_Older_Dog-peeping-through-door-536px-2x.png>

Catch them before you get caught
76% of buying online scams start on social media. Spot a fraudster a mile 
off by asking yourself these questions:


  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-lavender-48px-2x.png> 
Can you spot the signs of a fake seller on Facebook Marketplace?
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-lavender-48px-2x.png> 
Do you know what method of payment fraudsters might ask you to use?
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-lavender-48px-2x.png> 
What tactics might they use to try to convince you?
  <https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-lavender-48px-2x.png> 
Why are rare or sold out items alarming?

Get the answers 
<https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud/social-media-scams.html?utm_source=LB&utm_medium=Email&utm_campaign=fraud_seasonal&utm_id=Multi_BCE_Fraud_Trigger_TEMPLATE_ID1&utm_content=OLDER_socialmedia&elqTrackId=1ecfd8f09fed40b9b7bb3856817668dc&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF513375FB94BD533712A1A6DAF1707DAE80144C25CC8D692BDD64EB235C6CC9E5E>
At Lloyds, we want you to be happy with the communications we share with 
you. How happy were you to receive this email?
We may use your answer to improve our communications and their relevancy to 
you.

 <https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=1&elqTrackId=d1121599d7bd4d169747c141dfd8abe7&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5CFFB2714C6E6F35CBF8C9F73BD6CF5280144C25CC8D692BDD64EB235C6CC9E5E> 
<https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=1&elqTrackId=27c11f49d5c6493f8b7064fb2d33bb81&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF552165303B16B30134FA5FF6FEF69E62B0144C25CC8D692BDD64EB235C6CC9E5E>
 <https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=2&elqTrackId=3d081586a64946a89589a21d86f51eef&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5D3B6E5E2E3CD9ABC5FF02EB0180C60880144C25CC8D692BDD64EB235C6CC9E5E> 
<https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=2&elqTrackId=ce98efce840341afa9edcecfc749ecd9&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF571523356F25B2E34E0186E8B374682180144C25CC8D692BDD64EB235C6CC9E5E>
 <https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=3&elqTrackId=c3ba3b649d47452fb3b75f9ac8162c1b&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF56C94F39D471A912A864AAABA97BE06050144C25CC8D692BDD64EB235C6CC9E5E> 
<https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=3&elqTrackId=7b8dfa24ef3744da8c9e589fe9c2fe8d&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5A8616B82C665422B7014AFA7645057C40144C25CC8D692BDD64EB235C6CC9E5E>
 <https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=4&elqTrackId=73b2a99b741d426daa76a1a59d145c05&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF596E028AF575AF9B8CCF51B227FAF4F010144C25CC8D692BDD64EB235C6CC9E5E> 
<https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=4&elqTrackId=adc1079e75054c5ea600a7650209bbeb&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5E18C5D53B42D9299578AED528F823B0B0144C25CC8D692BDD64EB235C6CC9E5E>
 <https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=5&elqTrackId=86f892589e444abeba12937496d525b7&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5420F05F36CC4624997C175A1DC4627BE0144C25CC8D692BDD64EB235C6CC9E5E> 
<https://link.emails.lloydsbank.com/e/f2.aspx?elqFormName=c-sat_ltb&elqSiteID=794418472 
&elqconid=CLLOB000006694047&emailName=LIVE_BCE_LTB_FRAUD_SEASONAL%20%7CFR12AL24_O_MKT_EM_20241120&brcd=LTB&unid=1151507069173&ptid=10060095&tid=FRAL01&score=5&elqTrackId=edecbba32b4340d887679ceac50a68ee&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF55275C82515973A0978AF70B0CC1B817D0144C25CC8D692BDD64EB235C6CC9E5E>
 <https://www.lloydsbank.com/?elqTrackId=347f108119a74f08ba75e91945f53e0c&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5667029E35D262E841C860A7BF508C6E70144C25CC8D692BDD64EB235C6CC9E5E>



 <https://www.lloydsbank.com/contact-us.html?elqTrackId=69bfd731ac1246e8af49560ec078d098&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF560880981A328D5840645EEC833C9223F0144C25CC8D692BDD64EB235C6CC9E5E> 
Contact Us  	    |
 <https://www.lloydsbank.co.uk/privacy?elqTrackId=f30859ccb2884e5189ddd7c24539073e&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF5E45ADB5545330C5A243F605F981057990144C25CC8D692BDD64EB235C6CC9E5E> 
Privacy Policy  	    |
 <https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud.html?elqTrackId=ac46874825804f239f4f20a51e9bcc53&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF551B8E266C624E8EFF8FD864FAC4172270144C25CC8D692BDD64EB235C6CC9E5E> 
Email Security


 <https://www.facebook.com/lloydsbank?elqTrackId=16b359d5744e4985aa756b774b6806b6&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF54ACD4923B35566010228C6F7EBFF24490144C25CC8D692BDD64EB235C6CC9E5E> 
<https://twitter.com/LloydsBank/?elqTrackId=2a082337212141d9a91a182d0e4e3099&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF59AAF1A5A6F433A669404B99BEDDA38D40144C25CC8D692BDD64EB235C6CC9E5E> 
<https://www.youtube.com/user/lloydsbankonline?elqTrackId=8e4c87afce944664a4a5913fc357ff3f&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF577F15EC7E0C6B24B23D96A085D0678450144C25CC8D692BDD64EB235C6CC9E5E>


*Source: ICAEW Insights (2024). Available at: 
https://www.icaew.com/insights/viewpoints-on-the-news/2024/feb-2024/uk-fraud-makes-massive-leap-to-23bn 
<https://www.icaew.com/insights/viewpoints-on-the-news/2024/feb-2024/uk-fraud-makes-massive-leap-to-23bn?elqTrackId=afc433cd14b04a90836ef86ed6201f59&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF576AD89B58BEE7FCE0874EB0F1DCD1D9E0144C25CC8D692BDD64EB235C6CC9E5E>

We'll still contact you to service your account, but you can 
<https://link.lloydsbank.com/global-unsubscribe?pid=10060095&brand=LTB&elqTrackId=34d1bbd9a88b44d49bfe1929820f0879&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqak=8AF599D7EA4FE5BEA8275FD146708D14A5DB0144C25CC8D692BDD64EB235C6CC9E5E> 
opt out of receiving marketing communications from us at any time.

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=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqcst=272&elqcsid=16713&elqak=8AF5287071002972544ABA08C3E12B13E0230144C25CC8D692BDD64EB235C6CC9E5E> 
.

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=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqcst=272&elqcsid=57433&elqak=8AF50A7F70B819A26B451CA7A9C25896D39B0144C25CC8D692BDD64EB235C6CC9E5E> 
.

Links to external sites are provided as part of our commitment to making 
online banking safe and secure. However, we cannot accept responsibility or 
liability for the content or availability of external sites. We cannot 
guarantee that any software downloaded from these sites will work, or be 
free from viruses or malicious code.

What to expect from our emails

We will:
• Always include your name and the last four digits of an account you have 
with us.
• Sometimes include links to more information to help you.
• Sometimes send you links to our secure app, to take you straight to the 
information you need.

We will never:
• Send you to a web page that asks for your logon, personal or banking 
details.

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.
• Speak to us to check. You could do this by messaging us from our app or 
Internet Banking.

We have lots of information to keep you and your money safe on our website. 
Just visit our Fraud Hub 
<https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud.html?elqTrackId=3eae6170fe554852a6a61af9907a5c68&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqcst=272&elqcsid=16710&elqak=8AF53B95E34026A8E5AE66357A095BFFC6C70144C25CC8D692BDD64EB235C6CC9E5E> 
.

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=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqcst=272&elqcsid=16707&elqak=8AF51F55FCBA8EDB800269E0E96C98EA9A9B0144C25CC8D692BDD64EB235C6CC9E5E> 
help pages.
SignVideo 
<https://www.lloydsbank.com/help-guidance/accessibility/sign-video.html?elqTrackId=012e036f64ce445286bb28d760b80f8a&elq=94901961f5ca4036b31ac1bfb7433c56&elqaid=13240&elqat=1&elqCampaignId=2191&elqcst=272&elqcsid=16707&elqak=8AF56110878D67924FB05EBF5F960E9BF0290144C25CC8D692BDD64EB235C6CC9E5E> 
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 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 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 December 2024 and is relevant to Lloyds 
Bank plc products and services only.

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	<!--[if !mso]><!-- custom fonts -->
	<!-- Lloyds FONT DECLARATION - 'GUL and GUS' -->
	<link =
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	<!--KINETIC ENABLER-->
	<link =
href=3D"https://image.emails.lloydsbank.com/Web/LloydsBankingGroup/{25e5c=
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	<!--<![endif]-->
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				A festive shopping deal you=E2=80=99ll never forget
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                                           <!-- =
LIVE_LB_SECURITY_HEADER_UPDATE_A --><span style=3D"display: inline =
!important;"><!-- LIVE_LB_SECURITY_HEADER_A -->We'll always include your =
name, <!-- LIVE_LB_SECURITY_HEADER_A END --></span><!-- UPDATE -->Mr =
Home<!-- END --><!-- LIVE_LB_SECURITY_HEADER_UPDATE_B --><span =
style=3D"display: inline !important;"><!-- LIVE_LB_SECURITY_HEADER_B =
-->, and the last four digits of an account you have with us (<!-- =
LIVE_LB_SECURITY_HEADER_B END --></span><!-- UPDATE -->2547<!-- END =
--><span style=3D"display: inline !important;"><!-- =
LIVE_LB_SECURITY_HEADER_C -->), so you know our emails are genuine.<!-- =
LIVE_LB_SECURITY_HEADER_C END -->
</span>
<!-- LIVE_LB_SECURITY_HEADER_UPDATE_C END -->
							</td>
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							<td align=3D"left" valign=3D"top" style=3D"padding-bottom:24px">
								<a =
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682a3c5e&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&=
elqCampaignId=3D2191&elqak=3D8AF500BFC3872B357B8F29CA917C0BA3575E0144C25C=
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									</a>
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font-family:arial,helvetica,serif; font-size:64px; =
mso-line-height-rule:exactly; line-height:64px; font-weight: bold; =
letter-spacing:-0.02em;">The secret behind unbelievable deals<!--USE =
THIS TO BREAK LONGER WORDS<p style=3D"word-break: break-all; margin: =
0">wrapLongWord</p>-->
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					<!--[if gte mso 15]><br />&nbsp;<![endif]-->
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				=09
                    <img class=3D"m_h" alt=3D"order confirmation gif" =
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                    <!--[if !mso]><!-- mobile image -->
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                    <!--<![endif]-->
				=09
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letter-spacing:-0.02em">
								 If it looks too-good-to-be true, it probably is
							</td>
						</tr>
						<tr>
							<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">Getting scammed could happen to anyone, and can be =
distressing to you and the ones you love. Unfortunately, the money lost =
to scams can also go on to fund other serious crimes.=20
<br/><br/>
Plus, you won't get what you paid for.
							</td>
						</tr>
					</table>
				</td>
			</tr>
		</table>
        <!-- [3f] Text - Illustration overlap - inset coloured box -->
		<table class=3D"m_w100pc" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" bgcolor=3D"#C7FFC6" =
height=3D"64" style=3D"width:600px; margin:auto; =
background-color:#C7FFC6">
			<tr>
				<td class=3D"m_p16" valign=3D"top" style=3D"padding:32px">
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" style=3D"margin:auto; =
width:536px">
						<!--[if !mso]><!-- non-outlook -->
						<tr>
							<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:202px">&nbsp;</td>
							<td class=3D"m_w50pc" rowspan=3D"2" width=3D"132" height=3D"132" =
style=3D"height:132px; width:132px; text-align:center">
								<img =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B66e9ca8c-c45d-44e2-97b8-809453104a0f%7D_151124_Family_Shield=
-mobile-264px-2x.png" alt=3D"shield illustration" width=3D"132" =
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">
							</td>
							<td class=3D"m_w25pc" height=3D"32" style=3D"height:32px; =
width:202px">&nbsp;</td>
						</tr>
						<tr>
							<td class=3D"m_w100pc" colspan=3D"3" bgcolor=3D"#024731" =
height=3D"100" style=3D"background-color:#024731; height:100px; =
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.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B62bfd74b-401b-4e55-b596-d7aa6af4c3a4%7D_spacer.gif"/>

							<v:image xmlns:v=3D"urn:schemas-microsoft-com:vml" =
style=3D"top:0px; left:202px; width:132px; height:132px; z-index:2; =
position:relative" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B66e9ca8c-c45d-44e2-97b8-809453104a0f%7D_151124_Family_Shield=
-mobile-264px-2x.png"/>
						<![endif]-->
					</table>
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" style=3D"margin:auto; =
width:536px">
						<tr>
							<td colspan=3D"3" valign=3D"top" bgcolor=3D"#024731" =
style=3D"background:#024731; padding:24px 32px 32px 32px; =
mso-padding-alt: 124px 0px 32px 0px; border-radius: 0px 0px 16px 16px">
								<table class=3D"m_w100pc m_mauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"472" style=3D"margin:auto; =
width:472px">
									<tr>
										<td class=3D"m_w100pc f_GUL_B" align=3D"center" =
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">
											Fraud is big business
										</td>
									</tr>
									<tr>
										<td class=3D"f_GUS_R" align=3D"center" 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">
											Last year fraud made =C2=A32.3bn profit*, more than some of =
the UK's largest retailers.
                                            <br/><br/>
                                            What people don=E2=80=99t =
often know is that online scams can fund more serious crime. Facebook =
Marketplace and other social media platforms are where most online =
shopping scams start.=20
                                            <br/><br/>
                                            Let=E2=80=99s work together =
to avoid being fraud=E2=80=99s partner in crime.
										</td>
									</tr>
                                  <tr>
										<td align=3D"center" style=3D"padding-top:24px">
											<!--// CTA START \\-->
											<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"border-radius:8px"><tr><td align=3D"center" =
style=3D"background-color:#fffffe; mso-padding-alt:0 16px; =
border-radius:8px">
											<a class=3D"f_GUS_B cta_white" =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud/buying-online-scams.html?utm_source=3DLB&utm_medium=3DEmail&utm_ca=
mpaign=3Dfraud_seasonal&utm_id=3DMulti_BCE_Fraud_Trigger_TEMPLATE_ID1&utm=
_content=3DOLDER_buyingonline&elqTrackId=3D8e84802d6d27460b8979cfe554856a=
ca&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCam=
paignId=3D2191&elqak=3D8AF5BDFEE150E697990A3369281AF340C1090144C25CC8D692=
BDD64EB235C6CC9E5E" target=3D"_blank" title=3D"Stop the cycle" =
style=3D"border:1px solid #fffffe; background-color:#fffffe; =
color:#000001; display:block; font-family:arial,helvetica,sans-serif; =
font-size:16px; font-weight:bold; mso-line-height-rule:exactly; =
line-height:24px; text-align:center;text-decoration:none; padding:10px =
24px=20
10px 24px; mso-padding-alt:13px 15px 13px=20
15px; border-radius:8px">Stop the cycle</a>
											</td></tr></table>
											<!--// CTA END \\-->
										</td>
									</tr>
								</table>
							</td>
						</tr>
					</table>
				</td>
			</tr>
		</table>
        <!-- [5d] Text with image - 50:50 image left (image TOP on =
mobile) -->
		<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#323233" =
style=3D"margin:auto; background-color:#323233; width:600px">
			<tr>
				<td style=3D"font-size:0; line-height:0">
				<!--[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 class=3D"m_w100pc" align=3D"right" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"284" border=3D"0" style=3D"width:284px">
							<tr>
								<td class=3D"m_plr16" align=3D"center" style=3D"padding:32px 0px =
32px 32px">
								=09
										<img class=3D"m_w100pc" alt=3D"dog peeping through a door" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B7b35a5ac-785d-4a37-a9cf-536b7541aa88%7D_151124_Older_Dog-pee=
ping-through-door-536px-2x.png" width=3D"252" border=3D"0" =
style=3D"display: block; width:252px; height:auto; color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
line-height:276px; text-align:center; border-radius: 16px;">
								=09
								</td>
							</tr>
						</table>
			<!--[if mso | ie]></td><td align=3D"right" =
valign=3D"top"><![endif]-->
						<table class=3D"m_w100pc m_hauto" align=3D"left" width=3D"316" =
height=3D"324" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:314px; height: 324px">
							<tr>
								<td class=3D"m_p32 m_pt0 m_hauto m_pb16" style=3D"padding:32px; =
vertical-align: middle; width:252px; height:236px" valign=3D"middle" =
width=3D"252" height=3D"236">
									<table class=3D"m_w100pc" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" valign=3D"middle" width=3D"252" =
style=3D"width: 252px">
										<tr>
											<td class=3D"f_GUL_R" align=3D"center" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:30px; mso-line-height-rule:exactly; line-height:34px; =
letter-spacing:-0.02em">
												Catch them before you get caught
											</td>
										</tr>
										<tr>
											<td class=3D"f_GUS_R" align=3D"center" =
style=3D"color:#fffffe; font-family:arial,helvetica,sans-serif; =
font-size:16px; mso-line-height-rule:exactly; line-height:20px; =
padding-top:16px">
												76% of buying online scams start on social media. Spot a =
fraudster a mile off by asking yourself these questions:
											</td>
										</tr>
									</table>
								</td>
							</tr>
						</table>
					</div>
				<!--[if mso | ie]></td></tr></table><![endif]-->
				</td>
			</tr>
		</table>
        <!-- [6a] Icon bullet - Standard (ticks) -->
		<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#323233" =
style=3D"margin:auto; background-color:#323233; width:600px">
			<tr>
				<td align=3D"left" valign=3D"top" style=3D"padding:0px 32px 32px =
32px; 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"536" style=3D"margin:auto; =
width:536px">
						<tr>
							<td valign=3D"top">
								<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"center">
									<tr>
										<td valign=3D"top" width=3D"24">
										=09
												<img alt=3D"tick icon" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-=
lavender-48px-2x.png" width=3D"24" border=3D"0" style=3D"display: block; =
width:24px; height:auto">
										=09
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-left: 12px">
											Can you spot the signs of a fake seller on Facebook =
Marketplace?
										</td>
									</tr>
									<tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:16px">
											<img alt=3D"tick icon" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-=
lavender-48px-2x.png" width=3D"24" border=3D"0" style=3D"display: block; =
width:24px; height:auto">
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-left: 12px">
											Do you know what method of payment fraudsters might ask you =
to use?=20
										</td>
									</tr>
									<tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:16px">
											<img alt=3D"tick icon" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-=
lavender-48px-2x.png" width=3D"24" border=3D"0" style=3D"display: block; =
width:24px; height:auto">
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-left: 12px">
											What tactics might they use to try to convince you?
										</td>
									</tr>
                                    <tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:16px">
											<img alt=3D"tick icon" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bbaf8bba6-67d5-4416-99d5-beed22100da5%7D_151124_Younger_Tick-=
lavender-48px-2x.png" width=3D"24" border=3D"0" style=3D"display: block; =
width:24px; height:auto">
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#fffffe; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; padding-top:16px; =
padding-left: 12px">
											Why are rare or sold out items alarming?
										</td>
									</tr>
								</table>
							</td>
						</tr>
						<tr>
							<td align=3D"center" style=3D"padding-top:24px">
								<!--// CTA START \\-->
								<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td =
align=3D"center" style=3D"background-color:#fffffe; mso-padding-alt:0 =
16px; border-radius:8px">
								<a class=3D"f_GUS_B cta_white" =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud/social-media-scams.html?utm_source=3DLB&utm_medium=3DEmail&utm_cam=
paign=3Dfraud_seasonal&utm_id=3DMulti_BCE_Fraud_Trigger_TEMPLATE_ID1&utm_=
content=3DOLDER_socialmedia&elqTrackId=3D1ecfd8f09fed40b9b7bb3856817668dc=
&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampa=
ignId=3D2191&elqak=3D8AF513375FB94BD533712A1A6DAF1707DAE80144C25CC8D692BD=
D64EB235C6CC9E5E" target=3D"_blank" title=3D"Get the answers" =
style=3D"border:1px solid #fffffe; background-color:#fffffe; =
color:#000001; display:block; font-family:arial,helvetica,sans-serif; =
font-size:16px; font-weight:bold; mso-line-height-rule:exactly; =
line-height:24px; text-align:center;text-decoration:none; padding:10px =
24px=20
10px 24px; mso-padding-alt:13px 15px 13px=20
15px; border-radius:8px">Get the answers</a>
								</td></tr></table>
								<!--// CTA END \\-->
							</td>
						</tr>
					</table>
				</td>
			</tr>
		</table>
        <!-- [14a] Survey (rating) -->
		<table class=3D"m_w100pc" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width: 600px">
			<tr>
				<td class=3D"f_GUL_B" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:20px; =
mso-line-height-rule:exactly; line-height:24px; padding:32px 32px 0 =
32px">
					At Lloyds, we want you to be happy with the communications we share =
with you. How happy were you to receive this email?
				</td>
			</tr>
			<tr>
				<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font-family:arial,helvetica,sans-serif; font-size:16px; =
mso-line-height-rule:exactly; line-height:20px; font-weight:normal; =
text-decoration:none; padding:16px 32px 24px 32px">
					We may use your answer to improve our communications and their =
relevancy to you.
				</td>
			</tr>
			<tr>
				<td class=3D"m_pb32 m_plr16" align=3D"center" style=3D"padding:0px =
32px 22px 32px; vertical-align:top" valign=3D"top">
					<!--[if mso | ie]><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" =
style=3D"margin:auto"><tr><td><![endif]-->
					<div class=3D"m_d_b" style=3D"display: flex; justify-content: =
center">
						<table class=3D"m_w100pc" align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"108" style=3D"margin:0 =
auto; vertical-align:top; width:108px">
							<tr>
								<td style=3D"padding-bottom:10px"><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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D1&elqTrackId=3Dd1121599d7bd4d169747c141dfd8abe7&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF5CFFB2714C6E6F35CBF8C9F73BD6CF5280144C25CC8D692BDD=
64EB235C6CC9E5E" target=3D"_blank" title=3D"Very unhappy">
<img alt=3D"Very unhappy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bd38f3b5b-e765-4ccc-9fa8-64a455f5d8d7%7D_Survey_Very_Unhappy_=
Desk.png" style=3D"display:inline-block; width:100px; height:100px; =
border:0; background-color:#C7FFC6; border-radius:8px; =
text-align:center; color:#000001; font-size:16px; line-height:24px" =
width=3D"96"/> </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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D1&elqTrackId=3D27c11f49d5c6493f8b7064fb2d33bb81&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF552165303B16B30134FA5FF6FEF69E62B0144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7B0fa3502a-81b9-4320-a495-d5e2d5ecc0b8%7D_Survey_Very_Unhappy_=
Mob.png" style=3D"display:none; height:auto; width:100%; min-width: =
260px; min-height: 39px; border:0"/> </a> <!--[endif]----></td>
								<td class=3D"m_h" style=3D"font-size:1px; line-height:1px; =
width:10px">&nbsp;</td>
							</tr>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->
						<table class=3D"m_w100pc" align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"108" style=3D"margin:0 =
auto; vertical-align:top; width:108px">
							<tr>
								<td style=3D"padding-bottom:10px"><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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D2&elqTrackId=3D3d081586a64946a89589a21d86f51eef&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF5D3B6E5E2E3CD9ABC5FF02EB0180C60880144C25CC8D692BDD=
64EB235C6CC9E5E" target=3D"_blank" title=3D"Fairly unhappy">
<img alt=3D"Fairly unhappy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B717adfb1-f06b-46b4-a238-580a4727e4c2%7D_Survey_Fairly_Unhapp=
y_Desk.png" style=3D"display:inline-block; width:100px; height:100px; =
border:0; background-color:#C7FFC6; border-radius:8px; =
text-align:center; color:#000001; font-size:16px; line-height:24px" =
width=3D"96"/> </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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D2&elqTrackId=3Dce98efce840341afa9edcecfc749ecd9&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF571523356F25B2E34E0186E8B374682180144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7B8832ca49-c3b9-47bb-bc3b-eca9cbdaf783%7D_Survey_Fairly_Unhapp=
y_Mob.png" style=3D"display:none; height:auto; width:100%; min-width: =
260px; min-height: 39px; border:0"/> </a> <!--[endif]----></td>
								<td class=3D"m_h" style=3D"font-size:1px; line-height:1px; =
width:10px">&nbsp;&nbsp;</td>
							</tr>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->
						<table class=3D"m_w100pc" align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"108" style=3D"margin:0 =
auto; vertical-align:top; width:108px">
							<tr>
								<td style=3D"padding-bottom:10px"><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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D3&elqTrackId=3Dc3ba3b649d47452fb3b75f9ac8162c1b&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF56C94F39D471A912A864AAABA97BE06050144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7B850b7090-38c1-454e-8d62-6a4a90413d81%7D_Survey_Neither_Desk.=
png" style=3D"display:inline-block; width:100px; height:100px; border:0; =
background-color:#C7FFC6; border-radius:8px; text-align:center; =
color:#000001; font-size:16px; line-height:24px" width=3D"96"/></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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D3&elqTrackId=3D7b8dfa24ef3744da8c9e589fe9c2fe8d&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF5A8616B82C665422B7014AFA7645057C40144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7B21a67aa7-ea2d-4810-81f5-55d9b8fba023%7D_Survey_Neither_Mob.p=
ng" style=3D"display:none; height:auto; width:100%; min-width: 260px; =
min-height: 39px; border:0"/> </a> <!--[endif]----></td>
								<td class=3D"m_h" style=3D"font-size:1px; line-height:1px; =
width:10px">&nbsp;&nbsp;</td>
							</tr>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->
						<table class=3D"m_w100pc" align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"108" style=3D"margin:0 =
auto; vertical-align:top; width:108px">
							<tr>
								<td style=3D"padding-bottom:10px"><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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D4&elqTrackId=3D73b2a99b741d426daa76a1a59d145c05&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF596E028AF575AF9B8CCF51B227FAF4F010144C25CC8D692BDD=
64EB235C6CC9E5E" target=3D"_blank" title=3D"Fairly happy">
<img alt=3D"Fairly happy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bb7f53714-91d1-4a63-8c92-a45000e63991%7D_Survey_Fairly_Happy_=
Desk.png" style=3D"display:inline-block; width:100px; height:100px; =
border:0; background-color:#C7FFC6; border-radius:8px; =
text-align:center; color:#000001; font-size:16px; line-height:24px" =
width=3D"96"/>
								</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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D4&elqTrackId=3Dadc1079e75054c5ea600a7650209bbeb&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF5E18C5D53B42D9299578AED528F823B0B0144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7B8b1bd818-8b5e-4b89-808d-4b86f171505f%7D_Survey_Fairly_Happy_=
Mob.png" style=3D"display:none; height:auto; width:100%; min-width: =
260px; min-height: 39px; border:0"/> </a> <!--[endif]----></td>
								<td class=3D"m_h" style=3D"font-size:1px; line-height:1px; =
width:10px">&nbsp;&nbsp;</td>
							</tr>
						</table>
						<!--[if mso | ie]></td><td><![endif]-->
						<table class=3D"m_w100pc" align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"96" style=3D"margin:0 auto; =
vertical-align:top; width:96px">
							<tr>
								<td class=3D"m_pb0" style=3D"padding-bottom:10px"><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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D5&elqTrackId=3D86f892589e444abeba12937496d525b7&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF5420F05F36CC4624997C175A1DC4627BE0144C25CC8D692BDD=
64EB235C6CC9E5E" target=3D"_blank" title=3D"Very happy">
<img alt=3D"Very happy" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Be41a7112-4752-4059-a71c-e9d9a6cbc469%7D_Survey_Very_Happy_De=
sk.png" style=3D"display:inline-block; width:100px; height:100px; =
border:0; background-color:#C7FFC6; border-radius:8px; =
text-align:center; color:#000001; font-size:16px; line-height:24px" =
width=3D"96"/> </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_BCE_LTB_FRAUD_SEASONAL%20%=
7CFR12AL24_O_MKT_EM_20241120&brcd=3DLTB&unid=3D1151507069173&ptid=3D10060=
095&tid=3DFRAL01&score=3D5&elqTrackId=3Dedecbba32b4340d887679ceac50a68ee&=
elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampai=
gnId=3D2191&elqak=3D8AF55275C82515973A0978AF70B0CC1B817D0144C25CC8D692BDD=
64EB235C6CC9E5E" 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/%7Be8217c13-6e3d-43d9-9f0d-140e849dd21f%7D_Survey_Very_Happy_Mo=
b.png" style=3D"display:none; height:auto; width:100%; min-width: 260px; =
min-height: 39px; border:0"/> </a> <!--[endif]----></td>
							</tr>
						</table>
					</div>
					<!--[if mso | ie]></td></tr></table><![endif]-->
				</td>
			</tr>
		</table>
		<!-- [F1a] Footer - Retail use ONLY (B2C) -->
		<table class=3D"m_w100pc m_hauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; width:600px; background-color:#fffffe">
			<tr>
				<td align=3D"center" valign=3D"top" style=3D"font-size:0px =
line-height:0px">
					<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3D347f108119a74f08ba75e919=
45f53e0c&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&=
elqCampaignId=3D2191&elqak=3D8AF5667029E35D262E841C860A7BF508C6E70144C25C=
C8D692BDD64EB235C6CC9E5E" target=3D"_blank" title=3D"" =
style=3D"text-decoration:none; display: block">
						<img class=3D"m_h" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B1006fc4e-43fe-48e2-8a9f-0e5238f93f5b%7D_footer_logo_lloyds_h=
oriz_pos_comb_desk.png" alt=3D"Lloyds Bank Logo" width=3D"600" =
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"/>
						<!--[if !mso]><!-- mobile image -->
						<img class=3D"m_d_b m_w100pc" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B371ffe91-90a5-4d1b-a7bb-0c5e7c2f4ca9%7D_footer_logo_lloyds_h=
oriz_pos_comb_mob.png" alt=3D"Lloyds Bank Logo" style=3D"display:none; =
height:auto"/>
						<!--<![endif]-->
					</a>
				</td>
			</tr>
		</table>
		<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" style=3D"margin:auto; =
width: 600px">
			<tr>
				<td class=3D"m_p0 m_hauto" align=3D"center" valign=3D"top" =
height=3D"88" style=3D"vertical-align:top; font-size:0px; =
line-height:0px; background-image:linear-gradient(#024731,#024731)">
					<!--[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.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spacer-024731.png"/>=
</v:rect>
					<![endif]-->
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" height=3D"88" =
background=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/Ll=
oydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spacer-024731=
.png" style=3D"margin:auto; =
background:url('https://image.emails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spacer-0247=
31.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.emails.lloydsbank.com/EloquaImages/cl=
ients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_space=
r-024731.png'); background-size:100% 100%; width:600px; height: 88px; =
vertical-align:top">
						<tr>
							<td valign=3D"top">
								<table class=3D"m_w100pc" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0">
									<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 class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<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/contact-us.html?elqTrackId=3D69bfd731a=
c1246e8af49560ec078d098&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D1=
3240&elqat=3D1&elqCampaignId=3D2191&elqak=3D8AF560880981A328D5840645EEC83=
3C9223F0144C25CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" =
title=3D"Contact Us" 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">
																<span class=3D"keep-white d_lightText">Contact Us</span>
																<!--[if !mso]>-->
																<img class=3D"m_footerArrow" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav_arrow_neg=
.png" align=3D"right" width=3D"24" style=3D"width: 24px; min-width: =
24px; height: auto; display: none; mso-hide:all">
																<!--<![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>
												</table>
											<!--[if mso | ie]></td><td><![endif]-->
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<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.co.uk/privacy?elqTrackId=3Df30859ccb2884e5=
189ddd7c24539073e&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&e=
lqat=3D1&elqCampaignId=3D2191&elqak=3D8AF5E45ADB5545330C5A243F605F9810579=
90144C25CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" title=3D"Privacy =
Policy" 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">
																	<span class=3D"keep-white d_lightText">Privacy =
Policy</span>
																	<!--[if !mso]>-->
																	<img class=3D"m_footerArrow" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav_arrow_neg=
.png" align=3D"right" width=3D"24" style=3D"width: 24px; min-width: =
24px; height: auto; display: none; mso-hide:all">
																	<!--<![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>
												</table>
											<!--[if mso | ie]></td><td><![endif]-->
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<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/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3Dac46874825804f239f4f20a51e9bcc53&elq=3D94901961f=
5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampaignId=3D2191&elq=
ak=3D8AF551B8E266C624E8EFF8FD864FAC4172270144C25CC8D692BDD64EB235C6CC9E5E=
" target=3D"_blank" title=3D"Email Security" 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">
																<span class=3D"keep-white d_lightText">Email =
Security</span>
																<!--[if !mso]>-->
																<img class=3D"m_footerArrow" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B2a946e27-5710-4bc9-ad00-1cba25b67b01%7D_footer_nav_arrow_neg=
.png" align=3D"right" width=3D"24" style=3D"width: 24px; min-width: =
24px; height: auto; display: none; mso-hide:all">
																<!--<![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>
												</table>
											</div>
										</td>
									</tr>
								</table>
							</td>
						</tr>
					</table>
				</td>
			</tr>
			<tr>
				<td class=3D"m_hauto" align=3D"center" valign=3D"top" height=3D"89" =
style=3D"vertical-align:top; font-size:0px; line-height:0px; =
background-image:linear-gradient(#000001,#000001)">
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					<v:rect fillcolor=3D"none" stroked=3D"false" =
style=3D"width:600px;height:89px;z-index:-1;position:relative; left:0; =
top:0">
					<v:fill type=3D"frame" size=3D"450pt,67pt" opacity=3D"1" =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7Bce17c1f6-d202-4109-b6a2-c1c3f07e3ad4%7D_spacer_000001.png"/>=
</v:rect>
					<![endif]-->
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" height=3D"60" =
background=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/Ll=
oydsBankingGroup/%7Bce17c1f6-d202-4109-b6a2-c1c3f07e3ad4%7D_spacer_000001=
.png" style=3D"margin:auto; =
background:url('https://image.emails.lloydsbank.com/EloquaImages/clients/=
LloydsBankingGroup/%7Bce17c1f6-d202-4109-b6a2-c1c3f07e3ad4%7D_spacer_0000=
01.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.emails.lloydsbank.com/EloquaImages/cl=
ients/LloydsBankingGroup/%7Bce17c1f6-d202-4109-b6a2-c1c3f07e3ad4%7D_space=
r_000001.png'); background-size:100% 100%; width:600px; height: 89px; =
vertical-align:top">
						<tr>
							<td align=3D"left" style=3D"padding:24px 0px">
								<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"center" style=3D"margin:auto; vertical-align:top">
									<tr>
										<td>
											<a =
href=3D"https://www.facebook.com/lloydsbank?elqTrackId=3D16b359d5744e4985=
aa756b774b6806b6&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&el=
qat=3D1&elqCampaignId=3D2191&elqak=3D8AF54ACD4923B35566010228C6F7EBFF2449=
0144C25CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" title=3D"Facebook" =
style=3D"text-decoration: none">
												<img =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B29b506b6-d8bf-489e-9ea4-b6fbdb02e85b%7D_social_icon_FB_light=
.png" alt=3D"Facebook" border=3D"0" height=3D"32" style=3D"height:32px; =
width:auto; color: #fffffe; text-align:center; font-size: 12px; =
line-height: 24px"/>
											</a>
										</td>
										<td class=3D"m_pl30" width=3D"48" style=3D"width:1px; =
font-size:1px; line-height:1px; padding-left:47px; =
box-sizing:content-box">&nbsp;</td>
										<td>
											<a =
href=3D"https://twitter.com/LloydsBank/?elqTrackId=3D2a082337212141d9a91a=
182d0e4e3099&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D=
1&elqCampaignId=3D2191&elqak=3D8AF59AAF1A5A6F433A669404B99BEDDA38D40144C2=
5CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" title=3D"X (Twitter)" =
style=3D"text-decoration: none">
												<img =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B5941dd35-5b8f-48b4-b0ee-d2719670d44c%7D_social_icon_X_light.=
png" alt=3D"X (Twitter)" border=3D"0" height=3D"32" =
style=3D"height:32px; width:auto; color: #fffffe; text-align:center; =
font-size: 12px; line-height: 24px"/>
											</a>
										</td>
										<td class=3D"m_pl30" width=3D"48" style=3D"width:1px; =
font-size:1px; line-height:1px; padding-left:47px; =
box-sizing:content-box">&nbsp;</td>
										<td>
											<a =
href=3D"https://www.youtube.com/user/lloydsbankonline?elqTrackId=3D8e4c87=
afce944664a4a5913fc357ff3f&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D=
13240&elqat=3D1&elqCampaignId=3D2191&elqak=3D8AF577F15EC7E0C6B24B23D96A08=
5D0678450144C25CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" =
title=3D"YouTube" style=3D"text-decoration: none">
												<img =
src=3D"https://image.emails.lloydsbank.com/EloquaImages/clients/LloydsBan=
kingGroup/%7B40f8cbb4-e660-4e24-b90b-364076f98cbd%7D_social_icon_YouTube_=
light.png" alt=3D"YouTube" border=3D"0" height=3D"32" =
style=3D"height:32px; width:auto; color: #fffffe; text-align:center; =
font-size: 12px; line-height: 24px"/>
											</a>
										</td>
									</tr>
								</table>
							</td>
						</tr>
					</table>
				</td>
			</tr>
		</table>
		<table class=3D"m_w100pc" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"width: 600px; margin:auto; background-color:#fffffe">
			<tbody><tr>
				<td class=3D"f_GUS_R" align=3D"left" style=3D"font-size:12px; =
line-height:16px; font-family:arial,helvetica,sans-serif; color:#000001; =
padding:20px 0px;">
                  	<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
                        <tbody><tr>
                            <td style=3D"padding:0 20px 16px 20px;" =
align=3D"left">
                                <table class=3D"m_w100pc" width=3D"560" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center">
                                    <tbody><tr>
                                        <td class=3D"f_LBJ f_GUS_R" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;" align=3D"left">
											*Source: ICAEW Insights (2024). Available at: <a =
href=3D"https://www.icaew.com/insights/viewpoints-on-the-news/2024/feb-20=
24/uk-fraud-makes-massive-leap-to-23bn?elqTrackId=3Dafc433cd14b04a90836ef=
86ed6201f59&elq=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D=
1&elqCampaignId=3D2191&elqak=3D8AF576AD89B58BEE7FCE0874EB0F1DCD1D9E0144C2=
5CC8D692BDD64EB235C6CC9E5E" target=3D"_blank" =
title=3D"https://www.icaew.com" style=3D"text-decoration:underline; =
color:#006A4D;">https://www.icaew.com/insights/viewpoints-on-the-news/202=
4/feb-2024/uk-fraud-makes-massive-leap-to-23bn</a>
                                        </td>
                                    </tr>
                                </tbody></table>
                            </td>
                        </tr>
                    </tbody></table>
				=09
					<!-- LIVE_LB_UNSUBSCRIBE -->
                    <table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
                        <tbody><tr>
                            <td style=3D"padding:0 20px 16px 20px;" =
align=3D"left">
                                <table class=3D"m_w100pc" width=3D"560" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center">
                                    <tbody><tr>
                                        <td class=3D"f_LBJ f_GUS_R" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;" align=3D"left">
                                           =20
                                            <span style=3D"display: =
inline !important;"><!-- LB_UNSUBSCRIBE_A --><span class=3D"f_LBJ =
f_GUS_R" style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;">We'll still contact you to service =
your account, but you can </span><!-- LB_UNSUBSCRIBE_A END =
--></span><!-- UPDATE --><a =
href=3D"https://link.lloydsbank.com/global-unsubscribe?pid=3D10060095&bra=
nd=3DLTB&elqTrackId=3D34d1bbd9a88b44d49bfe1929820f0879&elq=3D94901961f5ca=
4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampaignId=3D2191&elqak=3D=
8AF599D7EA4FE5BEA8275FD146708D14A5DB0144C25CC8D692BDD64EB235C6CC9E5E" =
target=3D"_blank" title=3D"opt out" style=3D"text-decoration:underline; =
color:#006A4D;">
opt out</a><!-- END --><span style=3D"display: inline !important;"><!-- =
LB_UNSUBSCRIBE_B --><span class=3D"f_LBJ f_GUS_R" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;">&nbsp;of receiving marketing =
communications from us at any time.</span><!-- LB_UNSUBSCRIBE_B END =
--></span>

                                        </td>
                                    </tr>
                                </tbody></table>
                            </td>
                        </tr>
                    </tbody></table>
				=09
					<!-- LIVE_LB_ADDRESS_BOOK -->
            <span style=3D"display: inline !important;"><!-- =
LB_ADDRESS_BOOK -->
<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=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 f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_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"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" 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 f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_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=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D1324=
0&elqat=3D1&elqCampaignId=3D2191&elqcst=3D272&elqcsid=3D16713&elqak=3D8AF=
5287071002972544ABA08C3E12B13E0230144C25CC8D692BDD64EB235C6CC9E5E" =
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_OPEN_DISCLOSURE -->
				<span style=3D"display: inline !important;"><!-- =
LIVE_LB_OPEN_DISCLOSURE -->
<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=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 f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_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=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elq=
at=3D1&elqCampaignId=3D2191&elqcst=3D272&elqcsid=3D57433&elqak=3D8AF50A7F=
70B819A26B451CA7A9C25896D39B0144C25CC8D692BDD64EB235C6CC9E5E" =
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>

			<table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
				<tbody>
					<tr>
						<td style=3D"padding:0 20px 16px 20px;" class=3D"" align=3D"left">
						<table class=3D"m_w100pc" width=3D"560" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" align=3D"center">
							<tbody>
								<tr>
									<td class=3D"f_LBJ f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;" align=3D"left">Links to external sites are provided =
as part of our commitment to making online banking safe and secure. =
However, we cannot accept responsibility or liability for the content or =
availability of external sites. We cannot guarantee that any software =
downloaded from these sites will work, or be free from viruses or =
malicious code.=20
</td>
								</tr>
							</tbody>
						</table>
						</td>
					</tr>
				</tbody>
			</table>
			<!-- LIVE_LB_JIT_NOTICE_BLANK -->
           <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"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" 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 f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;"><strong class=3D"f_LBJ_B f_GUS_B">What to expect from =
our emails</strong><br />
						<br />
						We will:<br />
						&bull; Always include your name and the last four digits of an =
account you have with us.<br />
						&bull; Sometimes include links to more information to help you.<br =
/>
						&bull; Sometimes send you links to our secure app, to take you =
straight to the information you need.<br />
						<br />
						We will never:<br />
						&bull; Send you to a web page that asks for your logon, personal =
or banking details.<br />
						<br />
						If you&#39;re not sure that an email is from us:<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; Speak to us to check. You could do this by messaging us =
from our app or Internet Banking.<br />
						<br />
						We have lots of information to keep you and your money safe on our =
website. Just visit our <a =
href=3D"https://www.lloydsbank.com/help-guidance/protecting-yourself-from=
-fraud.html?elqTrackId=3D3eae6170fe554852a6a61af9907a5c68&elq=3D94901961f=
5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampaignId=3D2191&elq=
cst=3D272&elqcsid=3D16710&elqak=3D8AF53B95E34026A8E5AE66357A095BFFC6C7014=
4C25CC8D692BDD64EB235C6CC9E5E" 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"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" 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 f_GUS_R" 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=3D94901961f5ca4036b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&e=
lqCampaignId=3D2191&elqcst=3D272&elqcsid=3D16707&elqak=3D8AF51F55FCBA8EDB=
800269E0E96C98EA9A9B0144C25CC8D692BDD64EB235C6CC9E5E" =
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/sign-video=
.html?elqTrackId=3D012e036f64ce445286bb28d760b80f8a&elq=3D94901961f5ca403=
6b31ac1bfb7433c56&elqaid=3D13240&elqat=3D1&elqCampaignId=3D2191&elqcst=3D=
272&elqcsid=3D16707&elqak=3D8AF56110878D67924FB05EBF5F960E9BF0290144C25CC=
8D692BDD64EB235C6CC9E5E" 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"#fffffe" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"m_w100pc" =
style=3D"margin:auto; background-color:#fffffe;" 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 f_GUS_R" 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;"><!-- =
LIVE_LB_REG_OFFICE -->
<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=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 f_GUS_R" style=3D"color:#333333; =
font-family:arial,helvetica,sans-serif; font-size:12px; =
line-height:16px;">Lloyds and Lloyds Bank are trading names of Lloyds =
Bank plc. Registered Office: 25&nbsp;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>
				</tbody>
			</table>
			</td>
		</tr>
	</tbody>
</table>
</span>
			<!-- LIVE_LB_AS_AT_DATE -->
                    <table class=3D"m_w100pc" style=3D"margin:auto; =
background-color:#ffffff;" width=3D"600" cellspacing=3D"0" =
cellpadding=3D"0" border=3D"0" bgcolor=3D"#ffffff" align=3D"center">
                        <tbody><tr>
                            <td style=3D"padding:0 20px 0px 20px;" =
align=3D"left">
                                <table class=3D"m_w100pc" width=3D"560" =
cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"center">
                                    <tbody><tr>
                                        <td class=3D"f_LBJ f_GUS_R" =
style=3D"color:#333333; font-family:arial,helvetica,sans-serif; =
font-size:12px; line-height:16px;" align=3D"left">
                                           =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 -->December =
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>
                                </tbody></table>
                            </td>
                        </tr>
                    </tbody></table>
				</td>
			</tr>
		</tbody></table>
		<!-- SPACER 24PX -->
		<table class=3D"m_w100pc" width=3D"100%" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" height=3D"24"><tr><td =
style=3D"height:1px; font-size:1px; line-height:1px; padding-top:23px; =
box-sizing:content-box">&nbsp;</td></tr></table>

		<!--[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"image" height=3D"1" width=3D"600" style=3D"display:block; =
width:600px; border:1px solid transparent"/>
		<!--[endif]--><!---->
	</div>



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