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Reply-To: "Lloyds Bank" <autoreplylbg@lloydsbank.co.uk>
From: "Lloyds Bank" <info@commercialemails.lloydsbank.com>
To: <bob@sarahharvey.com>
Subject: Make your pension a priority
Date: Mon, 23 Mar 2026 14:25:19 -0000
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Flexible options from Scottish Widows that fit your lifestyle.

 ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
 ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ 
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 ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­


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We want you to recognise a fraudulent email if you receive one, so we'll 
always greet you personally using your title, surname and the last four 
digits of your account number: 3506


 <https://www.lloydsbank.com/business/home?elqTrackId=903c33c72a3f45068c25b127b80b3ef5&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF54C8B6925DEF319701639F03A6494ACD6EA65CF3ACE49FE614869C29DB2579697>
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<https://www.lloydsbank.com/business/home?elqTrackId=15082d085aef44bfbebc6a3f196f2f27&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5EFC64ABA3766F4379AF63E94573C722BEA65CF3ACE49FE614869C29DB2579697>
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Your route to retirement
Flexible pension options that fit your lifestyle.
  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7B73fa0d52-eaf0-4a6e-917d-574d6f5fedbd%7D_LB_2d_Header_Desktop_2.jpg> 
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Dear Customer, you work hard. Your pension should too.
Pension flexibility matters, especially when you’re self-employed. With 
Scottish Widows, our expert retirement partners, you can choose from 2 
flexible pension options that let you save at your own pace and work towards 
the future you want.
  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Bc53ac97c-290a-43ff-9a7a-fe06ec7d84b7%7D_LB_BOS_4a_image_1a.jpg>



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Ready-Made Pension
Let our pension experts at Scottish Widows manage your investments for you, 
based on your chosen retirement age. That's one less thing to think about.



Get started 
<https://www.scottishwidows.co.uk/pensions/ready-made-pensions.html?utm_source=LBotherRMP&utm_medium=email&utm_campaign=Swpensions&elqTrackId=23984539c8c240ddb8d5b81ce6579257&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5156F2FBBDCF64147CEBD72BEE8673526EA65CF3ACE49FE614869C29DB2579697>


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Self-Invested Personal Pension (SIPP)
Take control and decide where to invest your pension. If you’re a director 
of a limited company, you can also make contributions from your business.

Open a SIPP 
<https://www.scottishwidows.co.uk/pensions/self-invested-personal-pension.html?utm_source=LBotherSIPP&utm_medium=email&utm_campaign=Swpensions&elqTrackId=f85a027d794d47c1a2515645506d14a7&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF583F8892D27534C1D45E5A33FE1732F4BEA65CF3ACE49FE614869C29DB2579697>

Pensions are a long-term investment. The retirement benefits you receive 
from your pension plan will depend on a number of factors including the 
value of your plan when you decide to take your benefits, which isn’t 
guaranteed and can go down as well as up. The value of your plan could fall 
below the amount(s) paid in.

Less taxing
Tax treatment depends on your individual circumstances and may change in the 
future. But there are a few things to think about.

  <https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients/LloydsBankingGroup2/%7Be5887ba4-897e-4e10-bbb2-834b3633a09a%7D_LB_Checkmark_EverydayGreen.png> 
For every £1,000 you contribute, HMRC add an extra £250 automatically. That’s 
because everyone is entitled to 20% basic rate tax relief on their pension 
contributions, up to the annual allowance.
 <https://www.lloydsbank.com/?elqTrackId=8d6b6d3ca18a49bb98ddfa01ccadc9fd&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5E484A203596644F3F434A6D2AD1BAA66EA65CF3ACE49FE614869C29DB2579697> 
Higher or additional rate taxpayers could claim back an additional 20-25% 
through annual self-assessment.
 <https://www.lloydsbank.com/?elqTrackId=4f5ee6e6bb244847871a147b9f8aabd5&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5D330B8F6281FE40950C95A346C915C74EA65CF3ACE49FE614869C29DB2579697> 
If you’re the director of a limited company, company contributions may be 
considered an allowable business expense and could be offset against your 
company’s corporation tax.

Tax relief explained 
<https://www.scottishwidows.co.uk/pensions/tax-relief.html?utm_source=LBothertax&utm_medium=email&utm_campaign=Swpensions&elqTrackId=3fc97fe97ebd42dd8253cbb6ce7679ac&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF559052547C9812533181049A42B09C8BDEA65CF3ACE49FE614869C29DB2579697>

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How does your future look?
Let the Scottish Widows Pension Mirror guess how old you are. Then find out 
how your pension savings compare to others your age.

See for yourself 
<https://www.pensionmirror.co.uk/?utm_source=LBothermirror&utm_medium=email&utm_campaign=Swpensions&elqTrackId=9cd3ccc1cbe44fdb94a87a5ae6d3c1e3&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF521A6BA0EB06E03FD1D20404E1002C6D6EA65CF3ACE49FE614869C29DB2579697>
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Contact Us  	    |
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Privacy Policy  	    |
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Email Security


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<https://uk.linkedin.com/company/lloyds-bank-business-commercial?elqTrackId=a24e154158e34fabb2ccb524c5a59b87&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5C924B26EAFEC57B6A51F1775F2C270BEEA65CF3ACE49FE614869C29DB2579697> 
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Business help and support
We aim to provide you with a high level of service. If you have a query our 
Help & Support pages can help: lloydsbank.com/business/help 
<https://www.lloydsbank.com/business/help?elqTrackId=55edc34646734ccd9d72f28c8f1c2cb0&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5760D23517821C11BEABA95ED17824CACEA65CF3ACE49FE614869C29DB2579697> 
.

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=d6f0af1aa7de4720af2dde786b2c511c&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF5C08AEB8B91292851880AD169BB386AF4EA65CF3ACE49FE614869C29DB2579697> 
.

Security Information
Please note that Lloyds Bank NEVER send emails that ask for confidential or 
security information. We’ll never send you an email asking for your log on 
details, or direct you to a webpage that asks for this information, but 
sometimes we’ll send you links to our secure app, taking you straight to the 
information you need. Visit our online security pages 
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for more details.

To unsubscribe from future marketing communications
If you no longer wish to receive any marketing communications from Lloyds 
Bank using this email address please click here 
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.

Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered 
Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales 
no. 2065. Telephone: 0207 626 1500.

Authorised by the Prudential Regulation Authority and regulated by the 
Financial Conduct Authority and the Prudential Regulation Authority under 
Registration Number 119278.

Lloyds Banking Group is a financial services group that incorporates a 
number of brands including Lloyds Bank and Scottish Widows. More information 
on Lloyds Banking Group can be found at lloydsbankinggroup.com 
<https://www.lloydsbankinggroup.com?elqTrackId=b418f78fd04d4a8e9877548d8ebab79b&elq=31d1c3cab39a4c0885698cf40e711b0d&elqaid=5810&elqat=1&elqCampaignId=1215&elqak=8AF598F660FD7A2C34D7107046D65FF410B6EA65CF3ACE49FE614869C29DB2579697> 
.
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16px!important}.m_p12{padding:12px!important}.m_p16{padding:16px!importan=
t}.m_p0_24{padding:0 24px!important}.m_p0_32{padding:0 =
32px!important}.m_p0_48{padding:0 48px!important}.m_p32_16{padding:32px=20
16px!important}.m_p24{padding:24px!important}.m_p32{padding:32px!importan=
t}.m_pl0{padding-left:0px!important}.m_pl16{padding-left:16px!important}.=
m_pl24{padding-left:24px!important}.m_pl30{padding-left:30px!important}.m=
_plr4{padding-left:4px!important;padding-right:4px!important}.m_plr8{padd=
ing-left:8px!important;padding-right:8px!important}.m_plr16{padding-left:=
16px!important;padding-right:16px!important}.m_plr24{padding-left:24px!im=
portant;padding-right:24px!important}.m_plr32{padding-left:32px!important=
;padding-right:32px!important}.m_pr0{padding-right:0px!important}.m_pr16{=
padding-right:16px!important}.m_pr24{padding-right:24px!important}.m_pr32=
{padding-right:32px!important}.m_pb0{padding-bottom:0px!important}.m_pb8{=
padding-bottom:8px!important}.m_pb16{padding-bottom:16px!important}.m_pb2=
4{padding-bottom:24px!important}.m_pb32{padding-bottom:32px!important}.m_=
pb40{padding-bottom:40px
!important}.m_pb64{padding-bottom:64px!important}.m_pt0{padding-top:0px!i=
mportant}.m_pt24{padding-top:24px!important}.m_pt32{padding-top:32px!impo=
rtant}.m_pt40{padding-top:40px!important}.m_sharedFooter{padding:20px 0 =
4px=20
0!important}.m_tac{text-align:center!important}.m_tal{text-align:left!imp=
ortant}.m_fnone{float:none!important}.m_fl{float:left!important}.m_fr{flo=
at:right!important}.m_clboth{clear:both!important}.m_nobg{background:none=
!important}.m_fs10{font-size:10px!important;line-height:14px!important}.m=
_fs12{font-size:12px!important;line-height:16px!important}.m_fs16{font-si=
ze:16px!important;line-height:20px!important}.m_fs24{font-size:24px!impor=
tant;line-height:26px!important}.m_fs32{font-size:32px!important;line-hei=
ght:36px!important}.m_fs40{font-size:40px!important;line-height:44px!impo=
rtant}.m_bt0{border-top:0!important}.m_bdr16{border-radius:16px;overflow:=
hidden}.m_bdr16_top{border-radius:16px 16px 0px =
0px!important}.m_bdr16_bottom{border-radius:0px 0px 16px =
16px!important}.m_footerButton{padding:24px =
0px!important;border-bottom:1px solid=20
#fffffe}.m_footerButton_last{border-bottom:none!important}.m_footerArrow{=
display:block!important}
		=09
			/* Gmail overrides */
			u~div .g_h {display:none !important}
			u~div .m_minwunset {min-width:unset !important; padding-left:24px =
!important; padding-right:24px !important}
			u~div .NMS_B_cell {width:100% !important; min-width:100% !important; =
padding-bottom:8px}
			u~div .m_plr64 {padding-left:24px !important; padding-right:24px =
!important}
			u~div .g_nobg_rnd {background-image:none !important; =
border-radius:16px !important; padding-top:32px}
			u~div .g_nobg_rnd_upper {background-image:none !important; =
border-radius:16px 16px 0 0 !important; padding-top:32px}
			u~div .g_nobg {background-image:none !important; padding-top:32px}
			u~div .g_bgnone {background-image:none !important}
		}

		@-webkit-keyframes bugfix{
			from{padding:0}
			to{padding:0}
		}

		@media yahoo {
			*{-ms-overflow-y:hidden!important;-ms-overflow-x:hidden!important}
			.y_bsbb{box-sizing:border-box !important}
		}

		@media (prefers-color-scheme:dark) {
			.d_lightText {color:#fffffe =
!important;-webkit-text-fill-color:#fffffe !important}
			.d_darkText {color:#000001 !important;-webkit-text-fill-color:#000001 =
!important}
		}
		/* Outlook.com dark mode overrides */
		[data-ogsc] .d_lightText{color:#fffffe !important; =
-webkit-text-fill-color:#fffffe !important}
		[data-ogsc] .d_darkText{color:#000001 !important; =
-webkit-text-fill-color:#000001 !important}
		[data-ogsb] .cta_ghost{border:1px solid #FFFFFE !important; =
color:#FFFFFE !important}
		[data-ogsb] .darkmode_img {display:block !important}
		[data-ogsb] .lightmode_img {display:none !important}
	</style>
	<style>
		/* Gmail Dark Mode overrides */
		@media only screen and (max-width:480px) {
			u ~ div .g_blend_screen {background:#000; mix-blend-mode:screen}
			u ~ div .g_blend_difference {background:#000; =
mix-blend-mode:difference}
			u ~ div .m_footerButton_last {border-bottom:none !important}
		}
	</style>
	<style>
		.m_footerButton_last\0{border-bottom:none!important}
		.oa_dib {display:inline-block !important}

		@media (min-resolution:1dpi) and (max-width:480px) {
			.oa_h\0 {display:none!important}
			.oa_w6pc\0 {width:6%!important}
			.oa_w29pc\0 {width:29%!important}
			.oa_w46pc\0 {width:46%!important}
			.oa_w61pc\0 {width:61%!important}
			.oa_w85pc\0 {width:85%!important}
		}
	</style>
	<!--[if gte mso 16]>
	<style>
		.keep-white {
			mso-style-textfill-type:gradient;
			mso-style-textfill-fill-gradientfill-stoplist:"0 \#FFFFFF 0 =
100000\,100000 \#FFFFFF 0 100000";
			color:#000000 !important;
		}
		.keep-black {
			mso-style-textfill-type:gradient;
			mso-style-textfill-fill-gradientfill-stoplist:"0 \#000000 1 =
100000\,99000 \#000000 1 100000";
			color:#ffffff !important;
		}
	</style>
	<![endif]-->
	<!--[if gte mso 9]>
	<style type=3D"text/css">
		v\:* { behavior:url(#default#VML); display:inline-block}
		o\:* { behavior:url(#default#VML); }
	</style>
	<xml>
		<o:OfficeDocumentSettings>
			<o:PixelsPerInch>96</o:PixelsPerInch>
		</o:OfficeDocumentSettings>
	</xml>
	<xml>
		<w:WordDocument xmlns:w=3D"urn:schemas-microsoft-com:office:word">
		<w:DontUseAdvancedTypographyReadingMail/>
		</w:WordDocument>
	</xml>
	<![endif]-->
	<!--[if gt mso 15]>
	<style type=3D"text/css" media=3D"all">
			/* Outlook 2016 Height/Pagebreak Fix */
			table, tr, td {border-collapse:collapse}
			tr { font-size:0px; line-height:0px; border-collapse:collapse; }
	</style>
	<![endif]-->
	<!--[if !mso]><!-- custom fonts -->
	<!-- Lloyds FONT DECLARATION - 'GUL and GUS' -->
	<link =
href=3D"https://image.CommercialEmails.lloydsbank.com/Web/LloydsBankingGr=
oup/{a727e539-e23d-4078-b0a5-6242fada62ff}_LB_budapest_base64_fonts.css" =
rel=3D"stylesheet">
	<style>/* FOR HEADINGS ONLY*/
		.f_GUL_U{font-family:'GT Ultra Lloyds =
Ultra',arial,helvetica,sans-serif !important; font-weight:800 =
!important} .f_GUL_BK{font-family:'GT Ultra Lloyds =
Black',arial,helvetica,sans-serif !important; font-weight:700 =
!important} .f_GUL_B{font-family:'GT Ultra Lloyds =
Bold',arial,helvetica,sans-serif !important; font-weight:600 !important} =
.f_GUL_R{font-family:'GT Ultra Lloyds =
Regular',arial,helvetica,sans-serif !important; font-weight:400 =
!important} .f_GUL_T{font-family:'GT Ultra Lloyds =
Thin',arial,helvetica,sans-serif !important; font-weight:300 !important} =
/* FOR BODY COPIES AND CTAS*/ .f_GUS_B{font-family:'GT Ultra Sans =
Bold',arial,helvetica,sans-serif !important; font-weight:600 !important} =
.f_GUS_R{font-family:'GT Ultra Sans Regular',arial,helvetica,sans-serif =
!important; font-weight:400 !important} .f_GUS_L{font-family:'GT Ultra =
Sans Light',arial,helvetica,sans-serif !important;=20
font-weight:300 !important}
	</style>

	<!--KINETIC ENABLER-->
	<link =
href=3D"https://image.CommercialEmails.lloydsbank.com/Web/LloydsBankingGr=
oup/{25e5ce9f-a6f3-4598-ba36-5ca1b7341d8f}_kinetic_enabler.css" =
rel=3D"stylesheet">
	<!--<![endif]-->
</head>
<body class=3D"m_w100pc f_GUS_R body" id=3D"body" bottommargin=3D"0" =
leftmargin=3D"0" rightmargin=3D"0" topmargin=3D"0" style=3D"border:0px =
none; padding:0px; margin:0px; text-align:center; font:0px/0px =
arial,helvetica,sans-serif; background-color:#f1f1f1; =
position:relative"><img =
src=3D'https://link.commercialemails.lloydsbank.com/e/FooterImages/Footer=
Image1?elq=3D31d1c3cab39a4c0885698cf40e711b0d&siteid=3D1705133317' =
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">
	=09
      <!-- PREHEADER -->
      <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#024731" =
style=3D"margin:auto; width:600px; background-color:#024731">
			<tbody><tr>
				<td class=3D"m_w100pc f_GUS_B" align=3D"left" style=3D"padding:16px; =
background-color:#f1f1f1; color:#000001; font:bold 12px/16px =
arial,helvetica,sans-serif">Flexible options from Scottish Widows that =
fit your lifestyle.
					<div =
style=3D"mso-hide:all;display:none;max-height:0px;overflow:hidden;line-he=
ight:0">=E2=80=87=CD=8F
 =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =E2=80=87=CD=8F =
=E2=80=87=CD=8F =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD=20
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =
=C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD =C2=AD &nbsp;</div>
				</td>
			</tr>
			<tr>
				<td align=3D"left" style=3D"padding:16px; font-size:0; =
line-height:0" class=3D"">
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"568" style=3D"width:568px; =
margin:auto">
						<tbody><tr>
							<td width=3D"24" style=3D"padding-right:8px">
								<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
									<img class=3D"darkmode_img" alt=3D"" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B30e7cef2-9ac7-40fb-bd53-1a69b0c3f299%7D_header_ico=
n_DM.png" width=3D"24" style=3D"width:24px; min-width:24px; height:auto; =
mso-hide:all; display:none; margin:0 auto">
								</div>
								<img class=3D"lightmode_img" alt=3D"" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bf565ab22-da75-4951-8537-1cf33ff70358%7D_header_ico=
n_fill_024731.png" width=3D"24" style=3D"width:24px; min-width:24px; =
height:auto">
							</td>
							<td class=3D"f_GUS_R m_w100pc" align=3D"left" =
style=3D"color:#fffffe; font:12px/16px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly">We want you to recognise a fraudulent =
email if you receive one, so we'll always greet you personally using =
your title, surname and the last four digits of your account number: =
3506
							</td>
						</tr>
					</tbody></table>
				</td>
			</tr>
		</tbody></table>
     =20
     =20
     <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width:600px">
			<tbody><tr>
				<td align=3D"left" valign=3D"top" style=3D"padding: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">
						<tbody><tr>
							<td align=3D"left" valign=3D"middle" height=3D"48" =
style=3D"padding-bottom:32px">
								<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
									<a =
href=3D"https://www.lloydsbank.com/business/home?elqTrackId=3D903c33c72a3=
f45068c25b127b80b3ef5&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF54C8B6925DEF319701639F03A6494=
ACD6EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Lloyds =
Bank">
										<img class=3D"darkmode_img" alt=3D"Lloyds Bank Logo" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B0be62af5-90dd-46d2-8543-ca0eff2183c8%7D_LB_Logo_Ho=
rse_Mark_DM.png" width=3D"48" style=3D"width:48px; height:auto; =
mso-hide:all; display:none; font:12px/16px arial,helvetica,sans-serif; =
color:#000001">
									</a>
								</div>
									<a =
href=3D"https://www.lloydsbank.com/business/home?elqTrackId=3D867c070cc6e=
14e49857f08132d7c5f00&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5BFEEAFEE8F59962DD368A5F46F77=
8BA1EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Lloyds =
Bank">
										<img class=3D"lightmode_img" alt=3D"Lloyds Bank Logo" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B9623075d-e9d3-434f-9bd1-00231f4713d4%7D_LB_Logo_Ho=
rse_Mark.png" width=3D"48" style=3D"width:48px; display:block; =
height:auto; font:12px/16px arial,helvetica,sans-serif; color:#000001">
									</a>
							</td>
							<td align=3D"right" valign=3D"middle" height=3D"48" =
style=3D"padding-bottom:32px" class=3D"">
								<div class=3D"darkmode_img" style=3D"mso-hide:all; =
display:none">
									<a =
href=3D"https://www.lloydsbank.com/business/home?elqTrackId=3D15082d085ae=
f44bfbebc6a3f196f2f27&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5EFC64ABA3766F4379AF63E94573C=
722BEA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Lloyds =
Bank">
										<img class=3D"darkmode_img" alt=3D"Business and Commercial" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B1ea59c03-d769-436e-a0c6-fedbd251ca03%7D_signpost_b=
us_com_rev.png" height=3D"48" style=3D"height:48px; width:auto; =
mso-hide:all; display:none; font:12px/16px arial,helvetica,sans-serif; =
color:#000001">
									</a>
								</div>
									<a =
href=3D"https://www.lloydsbank.com/business/home?elqTrackId=3Dcf368684979=
f4d66bd76c0e2ae608bd5&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5FBA4490CD85140D3F427E68FA76B=
47D4EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Lloyds =
Bank">
										<img class=3D"lightmode_img" alt=3D"Business and Commercial" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bfe4957f4-5a44-4ae8-8191-8d462d5bcf31%7D_signpost_b=
us_com.png" height=3D"48" style=3D"height:48px; width:auto; =
font:12px/16px arial,helvetica,sans-serif; color:#000001">
									</a>
							</td>
						</tr>
						<tr>
							<td class=3D"f_GUL_R m_w100pc" colspan=3D"2" align=3D"left" =
valign=3D"top" style=3D"color:#000001; font:64px/64px =
arial,helvetica,serif; mso-line-height-rule:exactly; =
letter-spacing:-0.02em; padding-bottom:64px">Your route to retirement =
<!--USE THIS TO BREAK LONGER WORDS<p style=3D"word-break:break-all; =
margin:0">wrapLongWord</p>-->
							</td>
						</tr>
						<tr>
							<td class=3D"f_GUS_R" colspan=3D"2" align=3D"left" =
valign=3D"bottom" style=3D"color:#000001; font:16px/20px =
arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
font-weight:regular; vertical-align:bottom">Flexible pension options =
that fit your lifestyle.
							</td>
						</tr>
					</tbody></table>
					<!--[if gte mso 15]><br />&nbsp;<![endif]-->
				</td>
			</tr>
		</tbody></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">
			<tbody><tr>
				<td align=3D"center" valign=3D"top" style=3D"font-size:0; =
line-height:0">
					<img class=3D"m_h" alt=3D"Your route to retirement" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B73fa0d52-eaf0-4a6e-917d-574d6f5fedbd%7D_LB_2d_Hea=
der_Desktop_2.jpg" width=3D"600" style=3D"width:600px; height:auto; =
color:#000001; font:16px/20px arial,helvetica,sans-serif; =
text-align:center">
						<!--[if !mso]><!-- mobile image -->
						<img class=3D"m_d_b m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B23eb5838-a4c7-4c68-ba2b-5f5ad6368f86%7D_LB_2d_Hea=
der_Mobile_2.jpg" alt=3D"Your route to retirement" width=3D"300" =
style=3D"display:none; height:auto; width:100%">
						<!--<![endif]-->
				</td>
			</tr>
		</tbody></table>
     =20
      <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width:600px">
			<tbody><tr>
				<td align=3D"left" valign=3D"top" style=3D"padding:32px; =
font-size:0; line-height:0" class=3D"">
					<table class=3D"m_w100pc m_mauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" =
style=3D"margin:auto;width:536px">
						<tbody><tr>
							<td class=3D"f_GUL_B" align=3D"left" style=3D"color:#000001; =
font:bold 20px/24px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; font-weight:bold; letter-spacing:-0.02em">
								Dear Customer, you work hard. Your pension should too.
							</td>
						</tr>
						<tr>
							<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:16px">Pension flexibility matters, especially when =
you=E2=80=99re self-employed. With Scottish Widows, our expert =
retirement partners, you can choose from 2 flexible pension options that =
let you save at your own pace and work towards the future you want.
							</td>
						</tr>
					=09
					</tbody></table>
				</td>
			</tr>
		</tbody></table>
     =20
      <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">
			<tbody><tr>
				<td align=3D"center" valign=3D"top" style=3D"font-size:0px; =
line-height:0px" class=3D"">
					<img class=3D"m_w100pc" alt=3D"Lloyds Family" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bc53ac97c-290a-43ff-9a7a-fe06ec7d84b7%7D_LB_BOS_4a=
_image_1a.jpg" width=3D"600" style=3D"width:600px; height:auto; =
color:#000001; font:16px/20px arial,helvetica,sans-serif; =
text-align:center">
				=09
				</td>
			</tr>
		</tbody></table>
     =20
     =20
      <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"width:600px; margin:auto">
			<tbody><tr>
				<td class=3D"m_plr16" valign=3D"top" =
style=3D"background-color:#fffffe; vertical-align:top; padding:32px; =
font-size:0; line-height:0">
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" valign=3D"top" width=3D"536" =
style=3D"margin:auto; width:536px">
						<tbody><tr>
							<td valign=3D"top">
							<!--[if gte mso 9]>
							<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"center" valign=3D"top">
								<tr>
									<td valign=3D"top">
								<![endif]-->
								<div class=3D"m_d_b" style=3D"display:flex; =
justify-content:center">
									<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" valign=3D"top" style=3D"margin:0 auto">
										<tbody><tr>
											<td valign=3D"top">
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" width=3D"260" style=3D"margin:0 auto; =
width:260px">
													<tbody><tr>
														<td align=3D"center">
															<img class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B18cafbee-1001-4155-b55c-1fe5edf9d351%7D_LB_8a_Pen=
sions_Illustration_RacingGreen.png" alt=3D"Pensions illustration" =
width=3D"260" style=3D"width:260px; height:auto">
														</td>
													</tr>
													<tr>
														<td class=3D"f_GUL_R m_pl16 m_pr16" align=3D"center" =
style=3D"color:#000001; font:36px/40px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; letter-spacing:-0.02em; =
padding-top:24px">Ready-Made Pension
														</td>
													</tr>
													<tr>
														<td class=3D"f_GUS_R m_pl16 m_pr16" align=3D"center" =
style=3D"color:#000001; font:16px/20px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; padding-top:16px">Let our pension experts =
at Scottish Widows manage your investments for you, based on your chosen =
retirement age. That's one less thing to think =
about.<br>&nbsp;<br>&nbsp;
														</td>
													</tr>
													<tr>
														<td align=3D"center" style=3D"padding-top:24px"><table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td =
align=3D"center" style=3D"background-color:#000001; mso-padding-alt:0 =
16px; border-radius:8px">
                              <a class=3D"f_GUS_B cta_black" =
href=3D"https://www.scottishwidows.co.uk/pensions/ready-made-pensions.htm=
l?utm_source=3DLBotherRMP&utm_medium=3Demail&utm_campaign=3DSwpensions&el=
qTrackId=3D23984539c8c240ddb8d5b81ce6579257&elq=3D31d1c3cab39a4c0885698cf=
40e711b0d&elqaid=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5156F2F=
BBDCF64147CEBD72BEE8673526EA65CF3ACE49FE614869C29DB2579697" =
target=3D"_blank" title=3D"Get started" style=3D"border:1px solid =
#000001; background-color:#000001; color:#fffffe; display:block; =
font:bold 16px/24px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; text-align:center; text-decoration:none; =
padding:10px 24px 10px 24px; mso-padding-alt:13px 15px 13px 15px; =
border-radius:8px">Get started</a>
                              </td></tr></tbody></table>
																				</td>
													</tr>
												</tbody></table>
											</td>
										</tr>
									</tbody></table>
									<!--[if gte mso 9]>
											</td><td valign=3D"top">
									<![endif]-->
									<table class=3D"m_h" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" valign=3D"top" width=3D"16" =
height=3D"16" style=3D"margin:0 auto; width:16px; height:16px">
											<tbody><tr>
													<td style=3D"width:1px; font-size:1px; line-height:1px; =
padding-left:15px; box-sizing:content-box">&nbsp;</td>
											</tr>
											<!--[if mso 16]><tr><td style=3D"font-size:0px; =
line-height:0px; height:0.1pt">&nbsp;</td></tr><![endif]-->
									</tbody></table>
									<!--[if gte mso 9]>
											</td><td valign=3D"top">
									<![endif]-->
									<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" valign=3D"top" style=3D"margin:0 auto">
										<tbody><tr>
											<td class=3D"m_pt40" valign=3D"top">
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" width=3D"260" style=3D"margin:0 auto; =
width:260px">
													<tbody><tr>
														<td align=3D"center">
															<img class=3D"m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Bd3584a27-95ab-49fe-9138-374a13b9524c%7D_LB_8a_Inv=
est_Illustration_EverydayGreen.png" alt=3D"Investment illustration" =
width=3D"260" style=3D"width:260px; height:auto">
														</td>
													</tr>
													<tr>
														<td class=3D"f_GUL_R m_pl16 m_pr16" align=3D"center" =
style=3D"color:#000001; font:36px/40px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; letter-spacing:-0.02em; =
padding-top:24px">Self-Invested Personal Pension (SIPP)
														</td>
													</tr>
													<tr>
														<td class=3D"f_GUS_R m_pl16 m_pr16" align=3D"center" =
style=3D"color:#000001; font:16px/20px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; padding-top:16px">Take control and decide =
where to invest your pension. If you=E2=80=99re a director of a limited =
company, you can also make contributions from your business.
														</td>
													</tr>
													<tr>
														<td align=3D"center" style=3D"padding-top:24px"><table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0"><tbody><tr><td =
align=3D"center" style=3D"background-color:#000001; mso-padding-alt:0 =
16px; border-radius:8px">
                              <a class=3D"f_GUS_B cta_black" =
href=3D"https://www.scottishwidows.co.uk/pensions/self-invested-personal-=
pension.html?utm_source=3DLBotherSIPP&utm_medium=3Demail&utm_campaign=3DS=
wpensions&elqTrackId=3Df85a027d794d47c1a2515645506d14a7&elq=3D31d1c3cab39=
a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D=
8AF583F8892D27534C1D45E5A33FE1732F4BEA65CF3ACE49FE614869C29DB2579697" =
target=3D"_blank" title=3D"Open a SIPP" style=3D"border:1px solid =
#000001; background-color:#000001; color:#fffffe; display:block; =
font:bold 16px/24px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; text-align:center; text-decoration:none; =
padding:10px 24px 10px 24px; mso-padding-alt:13px 15px 13px 15px; =
border-radius:8px">Open a SIPP</a>
                              </td></tr></tbody></table>
																				</td>
													</tr>
												</tbody></table>
											</td>
										</tr>
									</tbody></table>
								</div>
									<!--[if gte mso 9]>
											</td>
										</tr>
									</table>
								<![endif]-->
							</td>
						</tr>
					</tbody></table>
						<!--[if gte mso 15]><br />&nbsp;<![endif]-->
				</td>
			</tr>
		</tbody></table>
     =20
      <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width:600px">
			<tbody><tr>
				<td align=3D"left" valign=3D"top" style=3D"padding:32px; =
font-size:0; line-height:0" class=3D"">
					<table class=3D"m_w100pc m_mauto" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"536" =
style=3D"margin:auto;width:536px">
						<tbody><tr>

							<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:10px">Pensions are a long-term investment. The retirement =
benefits you receive from your pension plan will depend on a number of =
factors including the value of your plan when you decide to take your =
benefits, which isn=E2=80=99t guaranteed and can go down as well as up. =
The value of your plan could fall below the amount(s) paid in.=20
							</td>
						</tr>
					=09
					</tbody></table>
				</td>
			</tr>
		</tbody></table>
     =20
      <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#C7FFC6" =
style=3D"margin:auto; background-color:#C7FFC6; width:600px">
			<tbody><tr>
				<td align=3D"left" valign=3D"top" style=3D"padding: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"left" width=3D"536" style=3D"margin:auto; =
width:536px">
						<tbody><tr>
							<td class=3D"f_GUL_R" align=3D"center" style=3D"color:#000001; =
font:30px/34px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
letter-spacing:-0.02em">Less taxing
							</td>
						</tr>
						<tr>
							<td class=3D"f_GUS_R" align=3D"center" style=3D"color:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:16px">Tax treatment depends on your individual circumstances =
and may change in the future. But there are a few things to think about.
							</td>
						</tr>
						<tr>
							<td valign=3D"top">
								<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"left">
									<tbody><tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:24px">
											<img alt=3D"Tick icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Be5887ba4-897e-4e10-bbb2-834b3633a09a%7D_LB_Checkm=
ark_EverydayGreen.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:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:24px; padding-left:12px">For every =C2=A31,000 you =
contribute, HMRC add an extra =C2=A3250 automatically. That=E2=80=99s =
because everyone is entitled to 20% basic rate tax relief on their =
pension contributions, up to the annual allowance.=20
										</td>
									</tr>
									<tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:16px">
											<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3D8d6b6d3ca18a49bb98ddfa01=
ccadc9fd&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D1&e=
lqCampaignId=3D1215&elqak=3D8AF5E484A203596644F3F434A6D2AD1BAA66EA65CF3AC=
E49FE614869C29DB2579697" target=3D"_blank" title=3D"">
												<img alt=3D"Tick icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Be5887ba4-897e-4e10-bbb2-834b3633a09a%7D_LB_Checkm=
ark_EverydayGreen.png" width=3D"24" border=3D"0" style=3D"display:block; =
width:24px; height:auto">
											</a>
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:16px; padding-left:12px">Higher or additional rate taxpayers =
could claim back an additional 20-25% through annual self-assessment.=20
										</td>
									</tr>
									<tr>
										<td valign=3D"top" width=3D"24" style=3D"padding-top:16px">
											<a =
href=3D"https://www.lloydsbank.com/?elqTrackId=3D4f5ee6e6bb244847871a147b=
9f8aabd5&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D1&e=
lqCampaignId=3D1215&elqak=3D8AF5D330B8F6281FE40950C95A346C915C74EA65CF3AC=
E49FE614869C29DB2579697" target=3D"_blank" title=3D"">
												<img alt=3D"Tick icon" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7Be5887ba4-897e-4e10-bbb2-834b3633a09a%7D_LB_Checkm=
ark_EverydayGreen.png" width=3D"24" border=3D"0" style=3D"display:block; =
width:24px; height:auto">
											</a>
										</td>
										<td class=3D"f_GUS_R" align=3D"left" style=3D"color:#000001; =
font:16px/20px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
padding-top:16px; padding-left:12px">If you=E2=80=99re the director of a =
limited company, company contributions may be considered an allowable =
business expense and could be offset against your company=E2=80=99s =
corporation tax.
										</td>
									</tr>
								</tbody></table>
							</td>
						</tr>
						<tr>
							<td align=3D"center" style=3D"padding-top:24px">
								<table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0"><tbody><tr><td align=3D"center" =
style=3D"background-color:#000001; mso-padding-alt:0 16px; =
border-radius:8px">
								<a class=3D"f_GUS_B cta_black" =
href=3D"https://www.scottishwidows.co.uk/pensions/tax-relief.html?utm_sou=
rce=3DLBothertax&utm_medium=3Demail&utm_campaign=3DSwpensions&elqTrackId=3D=
3fc97fe97ebd42dd8253cbb6ce7679ac&elq=3D31d1c3cab39a4c0885698cf40e711b0d&e=
lqaid=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF559052547C98125331=
81049A42B09C8BDEA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
title=3D"Tax relief explained" style=3D"border:1px solid #000001; =
background-color:#000001; color:#fffffe; display:block; font:bold =
16px/24px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
text-align:center; text-decoration:none; padding:10px 24px 10px 24px; =
mso-padding-alt:13px 15px 13px 15px; border-radius:8px">Tax relief =
explained</a>
                </td></tr></tbody></table> </td>
						</tr>
					</tbody></table>
				</td>
			</tr>
		</tbody></table>
     =20
      <table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" width=3D"600" bgcolor=3D"#fffffe" =
style=3D"margin:auto; background-color:#fffffe; width:600px">
			<tbody><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"300" border=3D"0" style=3D"width:300px">
							<tbody><tr>
								<td align=3D"center">
									<img class=3D"m_w100pc" alt=3D"image" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B670bcca8-1a12-466d-ad25-86f1cad2a5fd%7D_LB_5c_ima=
ge_2.jpg" width=3D"300" border=3D"0" style=3D"display:block; =
width:300px; height:auto; color:#000001; font:16px/20px =
arial,helvetica,sans-serif; text-align:center">
								</td>
							</tr>
						</tbody></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"300" =
height=3D"300" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:298px; height:300px">
							<tbody><tr>
								<td class=3D"m_hauto" style=3D"padding:24px 32px 24px 32px; =
vertical-align:middle; width:236px; height:236px" valign=3D"middle" =
width=3D"236" 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"236" =
style=3D"width:236px">
										<tbody><tr>
											<td class=3D"f_GUL_R" align=3D"center" =
style=3D"color:#000001; font:28px/32px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; letter-spacing:-0.02em">
												How does your future look?
											</td>
										</tr>
										<tr>
											<td class=3D"f_GUS_R" align=3D"center" =
style=3D"color:#000001; font:16px/20px arial,helvetica,sans-serif; =
mso-line-height-rule:exactly; padding-top:16px">Let the Scottish Widows =
Pension Mirror guess how old you are. Then find out how your pension =
savings compare to others your age.
                                              <!--[if gte mso 15]><br =
/>&nbsp;<![endif]-->
											</td>
										</tr>
										<tr>
											<td align=3D"center" style=3D"padding-top:24px"><table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"border-radius:8px"><tbody><tr><td align=3D"center" =
style=3D"background-color:#000001; mso-padding-alt:0 16px; =
border-radius:8px"><a class=3D"f_GUS_B cta_black" =
href=3D"https://www.pensionmirror.co.uk/?utm_source=3DLBothermirror&utm_m=
edium=3Demail&utm_campaign=3DSwpensions&elqTrackId=3D9cd3ccc1cbe44fdb94a8=
7a5ae6d3c1e3&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D=
1&elqCampaignId=3D1215&elqak=3D8AF521A6BA0EB06E03FD1D20404E1002C6D6EA65CF=
3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"See for yourself" =
style=3D"border:1px solid #000001; background-color:#000001; =
color:#fffffe; display:block; font:bold 16px/24px =
arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
text-align:center; text-decoration:none; padding:10px 24px 10px 24px; =
mso-padding-alt:13px 15px 13px 15px; border-radius:8px">See for =
yourself</a></td></tr></tbody></table></td>
										</tr>
									</tbody></table>
								</td>
							</tr>
						</tbody></table>
					</div>
				<!--[if mso | ie]></td></tr></table><![endif]-->
				</td>
			</tr>
		</tbody></table>
 =20
		<table class=3D"m_w100pc" 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">
			<tbody><tr>
				<td align=3D"center" valign=3D"top" style=3D"font-size:0px =
line-height:0px">
					<a =
href=3D"https://www.lloydsbank.com/business/home?elqTrackId=3D628d6dff738=
04c43b99174301a7fa0b5&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5B644F0FEA239B7178A910BA52176=
D936EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Lloyds =
Bank" style=3D"text-decoration:none; display:block">
						<img class=3D"m_h" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B45e7d836-99e8-4e50-a307-502d46652705%7D_LB-F1-B2B=
-Desk.png" alt=3D"Proud to be part of the same family. Lloyds Bank logo, =
Halifax logo, Bank of Scotland logo" width=3D"600" style=3D"width:600px; =
height:auto; display:block; color:#000001; font:12px/16px =
arial,helvetica,sans-serif; text-align:center">
						<!--[if !mso]><!-- mobile image -->
						<img class=3D"m_d_b m_w100pc" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup2/%7B4c7f6023-5d57-4789-961e-d5f8b1868b45%7D_LB-F1-B2B=
-Mob.png" alt=3D"Proud to be part of the same family. Lloyds Bank logo, =
Halifax logo, Bank of Scotland logo" style=3D"display:none; =
height:auto">
						<!--<![endif]-->
					</a>
				</td>
			</tr>
		</tbody></table>
     =20
      <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">
			<tbody><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.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spacer-024=
731.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.CommercialEmails.lloydsbank.com/EloquaImages/=
clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_spa=
cer-024731.png" style=3D"margin:auto; =
background:url('https://image.CommercialEmails.lloydsbank.com/EloquaImage=
s/clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07e%7D_s=
pacer-024731.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.CommercialEmails.lloydsbank.com/Eloqu=
aImages/clients/LloydsBankingGroup/%7B81becc78-9a4f-48ce-98f4-4da096cff07=
e%7D_spacer-024731.png'); background-size:100% 100%; width:600px; =
height:88px; vertical-align:top">
						<tbody><tr>
							<td valign=3D"top">
								<table class=3D"m_w100pc" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0">
									<tbody><tr>
										<td class=3D"m_p0_24" style=3D"padding:32px 32px 32px 32px; =
mso-padding-alt:32px 0px 32px 0px">
											<div class=3D"m_d_b" style=3D"display:flex; =
align-items:center; justify-content:center">
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<tbody><tr class=3D"g_blend_screen">
														<td class=3D"m_footerButton g_blend_difference">
															<a class=3D"f_GUL_R m_tal d_lightText" =
href=3D"https://www.lloydsbank.com/business/contact-us?elqTrackId=3Db944e=
1a42e7d44bda9b431a3886ee21c&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=
=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF55CBCA19397B2F96E5E450F=
4B91D565D8EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
title=3D"Contact Us" style=3D"color:#fffffe; font:20px/24px =
arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
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.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%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:20px/24px arial,helvetica,sans-serif">
															<span class=3D"keep-white =
d_lightText">&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;</span>
														</td>
													</tr>
												</tbody></table>
											<!--[if mso | ie]></td><td><![endif]-->
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<tbody><tr class=3D"g_blend_screen">
														<td class=3D"m_footerButton g_blend_difference">
																<a class=3D"f_GUL_R m_tal d_lightText" href=3D" =
https://www.lloydsbank.com/business/privacy?elqTrackId=3De9259cbfd8d14cc5=
b5a39827fee4be73&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elq=
at=3D1&elqCampaignId=3D1215&elqak=3D8AF508848F36177D6285EE52C83408C968EAE=
A65CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"Privacy =
Policy" style=3D"color:#fffffe; font:20px/24px =
arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
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.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%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:20px/24px arial,helvetica,sans-serif">
																<span class=3D"keep-white =
d_lightText">&nbsp;&nbsp;&nbsp;&nbsp;|&nbsp;&nbsp;&nbsp;&nbsp;</span>
														</td>
													</tr>
												</tbody></table>
											<!--[if mso | ie]></td><td><![endif]-->
												<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"left" style=3D"margin:0 auto; =
vertical-align:top">
													<tbody><tr class=3D"g_blend_screen">
														<td class=3D"m_footerButton m_footerButton_last =
g_blend_difference">
															<a class=3D"f_GUL_R m_tal d_lightText" =
href=3D"https://www.lloydsbank.com/business/retail-business/suspicious-em=
ails-and-text?elqTrackId=3D8da2109718204a91bf0cb6c827def1cd&elq=3D31d1c3c=
ab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D1&elqCampaignId=3D1215&el=
qak=3D8AF525715F166149B4EF6120BB8D0723F559EA65CF3ACE49FE614869C29DB257969=
7" target=3D"_blank" title=3D"Email Security" style=3D"color:#fffffe; =
font:20px/24px arial,helvetica,sans-serif; mso-line-height-rule:exactly; =
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.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%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:0px/20px =
arial,helvetica,sans-serif">
															&nbsp;
														</td>
													</tr>
												</tbody></table>
											</div>
										</td>
									</tr>
								</tbody></table>
							</td>
						</tr>
					</tbody></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(#323233,#323233)">
					<!--[if gte mso 9]>
					<v:rect fillcolor=3D"none" stroked=3D"false" =
style=3D"width:600px;height:89px;z-index:-1;position:relative; left:0; =
top:0">
					<v:fill type=3D"frame" size=3D"450pt,67pt" opacity=3D"1" =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_spacer_323=
233.png"/></v:rect>
					<![endif]-->
					<table class=3D"m_w100pc" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" align=3D"center" height=3D"60" =
background=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/=
clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_spa=
cer_323233.png" style=3D"margin:auto; =
background:url('https://image.CommercialEmails.lloydsbank.com/EloquaImage=
s/clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd43%7D_s=
pacer_323233.png') 0 0 / 600px auto no-repeat; =
background-image:url('https://image.CommercialEmails.lloydsbank.com/Eloqu=
aImages/clients/LloydsBankingGroup/%7Bcb8a8937-9a30-49ee-bb90-38dc7d82bd4=
3%7D_spacer_323233.png'); background-size:100% 100%; width:600px; =
height:89px; vertical-align:top">
						<tbody><tr>
							<td align=3D"left" style=3D"padding:24px 0px">
								<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
align=3D"center" style=3D"margin:auto; vertical-align:top">
									<tbody><tr>
										<td>
											<a =
href=3D"https://www.facebook.com/lloydsbankbusiness/?elqTrackId=3De0c6e15=
01ea841a193bcdb198f16d63f&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D=
5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5C5DE2C1E5CD30E25FAE8E4FE6=
502ED67EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
title=3D"Facebook" style=3D"text-decoration:none">
												<img =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7Bae158741-78e1-4147-aad6-0c612da511a0%7D_social_ico=
n_FB_light_sk_c.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/lloydsbankbiz?elqTrackId=3D62c4c2af0e4d40a5b6=
b12ab6f7d9471c&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=
=3D1&elqCampaignId=3D1215&elqak=3D8AF584210CD62CE67476B6B98B02583CC339EA6=
5CF3ACE49FE614869C29DB2579697" target=3D"_blank" title=3D"X (Twitter)" =
style=3D"text-decoration:none">
												<img =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B05fe43fd-9747-433d-bd29-1bc6516adec9%7D_social_ico=
n_X_light_sk_c.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://uk.linkedin.com/company/lloyds-bank-business-commercial?e=
lqTrackId=3Da24e154158e34fabb2ccb524c5a59b87&elq=3D31d1c3cab39a4c0885698c=
f40e711b0d&elqaid=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5C924B=
26EAFEC57B6A51F1775F2C270BEEA65CF3ACE49FE614869C29DB2579697" =
target=3D"_blank" title=3D"LinkedIn" style=3D"text-decoration:none">
												<img =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B61eaafdd-9905-4563-9e99-b03154616eb0%7D_social_ico=
n_Linkedin_light_sk_c.png" alt=3D"LinkedIn" 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.instagram.com/lloydsbankbusiness/?elqTrackId=3D3a791a=
a383a44baebc0b5726258afb21&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D=
5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF59BC376250C422AB7A471655EA=
5444EF4EA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
title=3D"Instagram" style=3D"text-decoration:none">
												<img =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B2b921f09-d5b4-4f59-a3b1-0029a01ec0d0%7D_social_ico=
n_insta_light_sk_c.png" alt=3D"Instagram" 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/lloydsbankcb?elqTrackId=3D7b8eb87cfa=
3247e8a5678e536cd4cf24&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D58=
10&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF58D4D153154B0A158618FB0FD975=
BA23BEA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
title=3D"YouTube" style=3D"text-decoration:none">
												<img =
src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
/LloydsBankingGroup/%7B95c2cb6e-6ba7-4293-a2d9-216cd47cee42%7D_social_ico=
n_YouTube_light_sk_c.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>
								</tbody></table>
							</td>
						</tr>
					</tbody></table>
				</td>
			</tr>
		</tbody></table>
     =20
     =20
		<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">
               =20
					<strong class=3D"f_GUS_B">Business help and support</strong><br>
                  We aim to provide you with a high level of service.  =
If you have a query our Help &amp; Support pages can help: <a =
href=3D"https://www.lloydsbank.com/business/help?elqTrackId=3D55edc346467=
34ccd9d72f28c8f1c2cb0&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D581=
0&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5760D23517821C11BEABA95ED1782=
4CACEA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
style=3D"color:#000001" =
title=3D"lloydsbank.com/business/help">lloydsbank.com/business/help</a>.
					<br><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=3Dd6f0af1aa7de4720a=
f2dde786b2c511c&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqa=
t=3D1&elqCampaignId=3D1215&elqak=3D8AF5C08AEB8B91292851880AD169BB386AF4EA=
65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
style=3D"color:#000001" title=3D"Cookies Policy">Cookies Policy</a>.
					<br><br>
					<strong class=3D"f_GUS_B">Security Information</strong><br>
					Please note that Lloyds Bank NEVER send emails that ask for =
confidential or security information. We=E2=80=99ll never send you an =
email asking for your log on details, or direct you to a webpage that =
asks for this information, but sometimes we=E2=80=99ll send you links to =
our secure app, taking you straight to the information you need. Visit =
our online <a =
href=3D"https://www.lloydsbank.com/business/fraud.html?elqTrackId=3D4383b=
cf83fe845d3be25c29fdc18e091&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=
=3D5810&elqat=3D1&elqCampaignId=3D1215&elqak=3D8AF5921D9125A3CC9EC1459FF6=
2283FA834BEA65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
style=3D"color:#000001" title=3D"security pages">security pages</a> for =
more details.
					<br><br>
					<strong class=3D"f_GUS_B">To unsubscribe from future marketing =
communications</strong><br>
					If you no longer wish to receive any marketing communications from =
Lloyds Bank using this email address please click <a =
href=3D"https://links.commercialemails.lloydsbank.com/unsubscribe?pid=3D6=
79103726&brand=3DLTB&camp=3DEM57958&elqTrackId=3Dcf7cefc645fa4fdb91a69f5d=
13b63f84&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqat=3D1&e=
lqCampaignId=3D1215&elqak=3D8AF5DB2288B149A9BA41D042243778BCBE42EA65CF3AC=
E49FE614869C29DB2579697" target=3D"_blank" style=3D"color:#000001" =
title=3D"here">here</a>.
					<br><br>
					Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. =
Registered Office: 25 Gresham Street, London EC2V 7HN.  Registered in =
England and Wales no. 2065.  Telephone: 0207 626 1500.<br><br>
                  Authorised by the Prudential Regulation Authority and =
regulated by the Financial Conduct Authority and the Prudential =
Regulation Authority under Registration Number 119278.<br><br>
                  Lloyds Banking Group is a financial services group =
that incorporates a number of brands including Lloyds Bank and Scottish =
Widows. More information on Lloyds Banking Group can be found at <a =
href=3D"https://www.lloydsbankinggroup.com?elqTrackId=3Db418f78fd04d4a8e9=
877548d8ebab79b&elq=3D31d1c3cab39a4c0885698cf40e711b0d&elqaid=3D5810&elqa=
t=3D1&elqCampaignId=3D1215&elqak=3D8AF598F660FD7A2C34D7107046D65FF410B6EA=
65CF3ACE49FE614869C29DB2579697" target=3D"_blank" =
style=3D"color:#000001" =
title=3D"lloydsbankinggroup.com">lloydsbankinggroup.com</a>.
				</td>
			</tr>
		</tbody></table>

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src=3D"https://image.CommercialEmails.lloydsbank.com/EloquaImages/clients=
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