Andrew Stallard Portfolio 2015

Andrew Stallard | Freelance Creative Artworker email: [email protected] | mobile: 07872 806 810

PortfolioAndrew Stallard | Freelance Creative Artworker


ContentsBrochures 4 – 7

Calendars 8

Financial Brochures & Reports 9 – 11

Folders & Packaging 12 – 14

Interactive PDFs 15

Notification & Product Sheets 16

Postcards & Flyers 17

Posters 18

Stationery 19

Terms and Conditions Documents 20

Tickets 21


3BrochuresClient: XeroxLloyds Bank sub A5 product booklets.

£Bank online at your convenienceAccess your account online with Online for Business, our internet banking service.

• It’s secure, easy to use and available 24/71.

• Check account balances, transfer money, view statements, pay bills and manage standing orders and UK Sterling Direct Debits 2.

• Sign up at lloydsbank.com/ business/register

«Stay in control with mobile bankingYou can now access your business accounts on the move with our secure Business Mobile Banking app3. Log on using just three characters of your memorable information to manage all your eligible accounts.

Keep in touch with Text AlertsOnce you’ve registered for internet banking, you can also register for our free Text Alerts service. Receive daily or weekly updates on your account balance and recent transactions direct to your mobile phone on the day that you choose.

365Year round business banking

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120,000+In 2013 our experience and support helped get more than 120,000 businesses off to a great start.

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I want help to move forward

Services to support your business

Flexible financeWe offer a range of lending products, adaptable enough to support almost any business plan.

Business loansLoans to help you grow your business or purchase essential equipment.

Invoice financeFlexible working capital for your business – for purchases, rapid business expansion or to manage late customer payments.

International financeForeign currency accounts and services designed to make international trading as smooth as possible. Changes in the exchange rate may increase the Sterling equivalent of your debt. For more information please visit: lloydsbank.com/business/retail-business/ international.asp

Overdrafts

Overdrafts can ease day-to-day cashflow.

Choosing the right financeOur easy to use online tools can help you choose the right business finance – check out our finance selector and loan calculator online at lloydsbank.com/business/retail-business/ loans-and-financing/loans/ finance-application-checklist.asp

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business. You should not apply for an amount that you cannot comfortably afford to repay now and in the future, to avoid the possibility of legal action.

Any property given as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

ProtectionSpeak to your business management team about protecting the business you have worked hard to build

I’d like to talk about my business

£Go to lloydsbank.com/business

Check eligibility, calculate payments, apply online

Call us on 0845 072 5555Lines are open 7am–8pm Monday to Friday

and 9am–2pm Saturday

Visit your local branch

Please contact us if you would like this information in an alternative format such

as Braille, large print or audio.If you have a hearing or speech impairment you can use Text Relay

(previously Typetalk) or if you would prefer to use a Textphone, please feel free to call us on 0845 601 6909

(lines open 7am–8pm Monday to Friday and 9am–2pm Saturday).

BB58253 (02/15)

BANKING TO SUPPORT YOUR BUSINESS AMBITIONS

VISION

Club Lloyds interest rates are variable and apply to your whole balance. For example, if you have £4,000 in your account for 365 days, you’ll receive an

interest rate of 4% AER/3.93% Gross variable on your entire balance as long as you pay two different Direct Debits from your account each calendar month.

Balances between

£1 & £1,999.99

Balances between

£2,000 & £3,999.99

Balances between

£4,000 & £5,000

1.00% AER

2.00% AER

4.00% AER

1.00% Gross

1.98% Gross

3.93% Gross

0.80% Net

1.59% Net

3.14% Net

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Current account credit interest

Club Lloyds interest ratesMaking the most of my money

Tiered credit interest rates

With Club Lloyds you can earn interest on the money in your current account. It offers variable, tiered interest rates up to 4% AER /3.93% Gross, so the more money you have in your account, the more interest you could receive on balances from £1 to £5,000.

Interest rates are calculated daily on the balance that’s in your account, so even if your balance fluctuates from the beginning of the month to the end, you’ll still be earning interest.

4% AER variable

On balances between £4,000 – £5,000 you could earn

To qualify for credit interest you need to pay two different Direct Debits from your Club Lloyds current account each calendar month. If there’s a calendar month where you don’t have two different Direct Debits paid from your account, you won’t get any interest on the money in your account for that month.

Interest is paid monthly into your account at the end of the first working day of each month, and the interest cycle runs from the second working day of one month to the first working day of the next.

We don’t pay interest on amounts over £5,000. Please speak to us about our range of savings accounts, including the exclusive Club Lloyds Saver and Club Lloyds Monthly Saver accounts.

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Current account credit interest

PhoneBank®

Open new accounts, book a branch appointment,

make payments and more. Our automated telephone service lets you carry out simple transactions and

our advisers are available to help with other queries. Ask an adviser to send you

a security number in the post to make the best of our

PhoneBank service.

Internet bankingView statements, check

your balance, view Direct Debits, set up standing

orders and make transfers and payments. Register

in branch or log on to internet banking at lloydsbank.com/ib

Mobile bankingOur free mobile banking service helps you stay on

top of your finances on the move. You can do your banking on the spot with

most mobile phones – either using our app or through your mobile’s browser at

lloydsbank.com/onthemove

I can choose how I want to bank

247

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Ways to bank

TOGETHER

Contact us

£Go to lloydsbank.com

Call us on 0845 3 000 000

Visit your local branch

If you'd like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on 0845 300 2281 or you can call

us on 01733 347500 if you prefer not to use our 0845 number (lines are open 24 hours a day, seven days a week).

If you are Deaf you can use BSL and the SignVideo service available at lloydsbank.com/accessibility/signvideo.asp

If you need to call us from abroad, by mobile or prefer not to use our 0845 number, you can also call us on 01733 347007.

Our promise is to do our best to resolve any problems you have. If you wish to complain visit your local branch or call 0800 072 3572 or 01733 462 267. (Textphone 0800 056 7614 or 01733 347 500, if

you have a hearing impairment). For more information visit lloydsbank.com/contactus

M59992 (12/14)

DELIGHTTHE BENEFITS OF BELONGING TO CLUB LLOYDS

C L U B L L O Y D S

Cash Account

Classic Account

Club Lloyds

Account

Silver Account

Platinum Account

Visa debit card

Optional cheque book

Internet Banking

PhoneBank®

Mobile Banking

Access to cashpoint machines at Lloyds Bank and other providers ATMs

Text alerts

Save the Change®

Interest and fee-free Planned Overdraft. (Subject to application and approval)

Not available

£25 £100 £50 £300

Everyday Offers & It’s On Us

Access to exclusive banking offers

A choice of one of three Lifestyle Benefits

Tiered credit interest on balances from £1 to £5,000

AA Roadside Assistance

AA Relay and Home Start

Mobile Phone Insurance

Sentinel® Card Protection

AXA European and UK Travel Insurance (subject to eligibility)

AXA Worldwide Travel Insurance with either family or winter sports cover (subject to eligibility)

Preferential charges when using your debit card abroad

Included Available if you add Club Lloyds benefits to your account. An additional £5 monthly account fee applies – see page 7, 8 and 9.

Overdrafts are subject to status and repayable on demand. You must be 18 or over to apply for an Overdraft.

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Accounts at a glance

I want great benefits to come as standard with my current account

Lloyds Bank current accounts

A bank account that fits in with your life is simple, convenient and great at helping you keep track of all your financial comings and goings. With a Lloyds Bank current account you’ve got all the bases covered.

Our accounts also come with a range of other services you can register for, to help you manage your money easily, as well as giving you access to one of the biggest banking networks in the UK:

• 24 hour banking with your choice of Internet Banking, Telephone Banking and Mobile Banking – including a range of Text alerts*.

• Everyday Offers and It’s On Us.

• Save each time you spend with our free Save the Change® service.

• Money Manager is our online tool that helps you organise your finances.

• Access to your money at over 500,000 places in the UK and 27 million places worldwide with your Visa debit card.

* We don’t charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality.

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Welcome

I’d like an account that has the benefits I need

Silver AccountTravel insurance, breakdown cover, mobile phone insurance and much more – a Silver Account offers some really useful benefits.

When you need a bit of breathing space you can apply for an interest and fee-free Planned Overdraft of up to £50, subject to application and approval, and your debit card gives you access to over one million ATMs at home and abroad.

If you’re planning a trip you could relax knowing you’re protected with AXA European Travel Insurance for you and your partner (subject to eligibility). You are also protected with AA Breakdown Cover which includes Roadside Assistance and Accident Management.

And you can also benefit from Mobile Phone Insurance and Sentinel® Card Protection.

REPRESENTATIVE EXAMPLEIf you use a Planned Overdraft limit of £1,200 on our Silver Account the overdraft interest rate we charge on the first £50 will be 0% EAR variable. The overdraft interest rate on the next £1150 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply. EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn’t take into account other fees and charges.

Open a Silver Account for

£9.95 per monthAdd Club Lloyds for an extra £5 per month (maximum £14.95 monthly account fee)You can enjoy all the benefits of Club Lloyds and our Silver account. As long as you pay in £1,500 or more per month, we’ll waive the extra £5 Club Lloyds monthly fee. If in any month you don’t pay in this amount, you will need to pay the Club Lloyds fee as well as your usual Silver account fee.

The following benefits for our Silver and Platinum accounts are provided by third party suppliers – Travel Insurance, AA Breakdown Cover, Mobile Phone Insurance, Sentinel® Card Protection and Lifestyle Benefits. Exclusions may apply to the benefits. More information on all these benefits and exclusions is available at lloydsbank.com/current_accounts

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Silver & Platinum Accounts

I want an account that gives me something special

Club Lloyds account

Introducing a more rewarding approach to everyday banking – the Club Lloyds account.

Club Lloyds gives you exclusive access to some of our best offers:

• You can earn variable, tiered credit interest on balances in your Club Lloyds account from £1 up to £5,000 when you pay at least two different Direct Debits from your account each calendar month.

• Exclusive access to offers on other banking products. Ask in branch to check what is currently available.

• Every year you can choose one of three Lifestyle Benefits that come with every Club Lloyds account.

• You can apply for an interest and fee-free Planned Overdraft of up to £100, subject to application and approval.

Like our other Lloyds Bank personal current accounts, you can also earn cashback on your purchases, and keep track of your finances however you choose to bank – more details on pages 11–13.

For more information about the Club Lloyds account visit lloydsbank.com/club-lloyds

As long as you pay £1,500 or more into your

account each month, we’ll waive the £5 Club

Lloyds monthly fee. If in any month you don’t pay

in this amount, you will need to pay the fee.

REPRESENTATIVE EXAMPLEIf you use a Planned Overdraft limit of £1200 the overdraft interest rate we charge on the first £100 will be 0% EAR variable. The overdraft interest rate on the next £1100 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply. EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn’t take into account other fees and charges.

We don’t pay interest on balances over £5,000. Lifestyle Benefits are administered by The Grass Roots Group UK Ltd. They use different 3rd party suppliers to provide each benefit. Terms and Conditions apply. You need to continue to live in the UK to take advantage of the Club Lloyds banking offers and Lifestyle Benefits.

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Club Lloyds Account

Find out more about current accounts

£Go to lloydsbank.com/current_accounts

ÕCall us on 0800 015 5000

uVisit your local branch

If you’d like this in another format such as large print, Braille or audio please ask in branch.

If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on 0845 300 2281 or you can call

us on 01733 347500 if you prefer not to use our 0845 number (lines are open 24 hours a day, 7 days a week).

If you are Deaf and prefer to use BSL then you can use the SignVideo service available on our website:

lloydsbank.com/signvideo.asp


Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and

to help improve our quality of service.

Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

M54741 (02/15)

C U R R E N T A C C O U N T S

THE FREEDOM TO CONCENTRATE ON MORE IMPORTANT THINGS

CALM


4BrochuresClient: XeroxIntelligent Finance, Halifax, and TSB A5 product booklets.

5

KICK-START YOUR BANKING.

Want to get things moving? Just follow these simple steps.

1

Your account’s ready to use right nowYou’ll receive your Visa debit card and PIN separately in the post in the next few days. Make sure you sign the back of your debit card, and change your PIN to something memorable – you can do this at any Halifax cash machine.

How to use your card see page 8

3

Register for online banking.Why not start banking online – it’s quick, easy and secure. Make sure you have your account number and sort code ready and go to www.halifax.co.uk/register

About online banking – page 6

2

Paying money in and outYour account is a great place to pay in money and to make regular payments by setting up standing orders and direct debits.

How to make regular payments – page 9

4

Expresscash Cardcash page

Age 11–15 years old 16–17 years old

Online banking Yes Yes 6

Telephone banking No Yes 7

Access to all our branches Yes Yes 6

Set up direct debits and standing orders Yes Yes 8

Mobile Alerts service Yes Yes 7

Halifax Visa debit card Yes Yes 8

Use of cash machines Yes Yes 6

Commission-free travel money No Yes 10

Credit interest on your account Yes Yes 12 and 31

YOUR ACCOUNT ESSENTIALS.

Four simple steps to follow to start getting the most from your account. Our Expresscash and Cardcash accounts come with some great benefits. Including easy ways for you to look after – and make the most of – your money.

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• If a direct debit payment date is at a bad time in the month for you, (for example, just before you are paid), contact the company involved and ask them if they would collect it at a more convenient time.

• If you have fees to pay, remember to include these in your budget. Information that will help you to keep track of your finances is available in the rates and fees leaflet applicable to your account.

• If your account offers the facility, sign up to receive mobile alerts if you go into an unplanned overdraft.

Changes to facilities and fees We review our services and facilities, and the way in which we charge for them, from time to time. In Section 3 we set out when we may change the conditions and fees for your account and how we will tell you about the changes.

Section 2 – Special conditions

Special conditions for bankingThis section gives details of the special conditions which apply to your account in addition to the Halifax Bank Account terms and conditions.

Halifax Reward Current AccountSpecial conditions:

(a) Available to people aged 18 or over who must be resident in the UK.

(b) Up to two account holders on an “either to sign” basis only. You can hold one Reward Current Account in your sole name and one in joint names.

(c) You will receive reward payments if you meet the conditions set out in our Reward Payments, Interest and Account Fees leaflet.

(d) You can withdraw up to £500 a day using Halifax, Bank of Scotland or LINK cash machines. Cash withdrawals of up to £2,500 a day can be made over the branch counter. If you want to withdraw more than £2,500 a day you will need to give your branch advance notice.

(e) You can withdraw up to £300 a day at any Post Office®. Once registered, you can also deposit cash and cheques, as well as make balance enquires, on your registered account.

(f) Reward Current Accounts must have at least two different direct debit mandates set up on the account.

(g) We may review your account from time to time and if you have not kept a minimum of two different direct debit mandates on your account at all times, we may change your account to the Current Account, or if this account is no longer available, to a standard current account with similar features to the Current Account. We’ll give you at least two months’ notice before doing so.

Halifax Ultimate Reward Current AccountSpecial conditions:

(a) Available to people aged 18 or over who must be resident in the UK.

(b) Up to two account holders on an “either to sign” basis only. You can hold one Ultimate Reward Current Account in your sole name or one in joint names.

(c) Customers with the Ultimate Reward Current Account must pay a monthly fee (“the account fee”) which will be automatically deducted from the account by the second working day of the month (“the fee debit day”). Account fees are paid in arrears monthly. The first monthly account fee will be pro-rated by the number of days the account has been open. Please see the Reward Payments, Interest and Account Fees leaflet for

full details. In return for the account fee you will receive a range of account benefits including the day-to-day standard features of a bank account and the enhanced banking services associated with this account together with a range of other benefits (“the Account Benefits Package”). The Account Benefits Package is a single integrated package and no additional value or discount is, or can be, given to customers who either solely use just the account and/or the insurance benefits. All customers are entitled to benefit from all of the Account Benefits Package (where applicable) and none of the benefits are severable. Details are set out below.

(d) In opening an Ultimate Reward Current Account you agree to be bound by the specific conditions applying to the different benefits and policies that form part of the Account Benefits Package. In particular you have an agreement with us for the provision of the Ultimate Reward Current Account and separate contracts of insurance with each insurance company under which the premium is collected and paid by us as agents of the underwriters. We do not charge you any fee in connection with the provision of insurance. You agree to comply with, and be bound by the policy conditions issued to you relating to the insurance cover and other services which comprise the Accounts Benefits Package; and with the right of the insurers or service providers to change the applicable cover or conditions, in accordance with the relevant policy conditions on the applicable notice periods.

(e) You can withdraw up to £500 a day using Halifax, Bank of Scotland or LINK cash machines. Cash withdrawals of up to £2,500 a day can be made over the branch counter. If you want to withdraw more than £2,500 a day you will need to give your branch advance notice.

(f) You can withdraw up to £300 a day at any Post Office®. Once registered, you can also deposit cash and cheques, as well as make balance enquires, on your registered account.

(g) The insurance cover and other services that come with the Account Benefits Package will end if:(i) your Ultimate Reward Current Account is closed;(ii) you fail to pay the account fee;(iii) your account is changed to another type of

account with us; (iv) your residential address is no longer in the UK. Any other insurance policies that you have taken out yourself at a discount as part of the Account Benefits Package will not be affected.

(h) You agree that we can change the insurer of any of the insurance policies or the providers of any of the other services by giving you notice in good time. This will be before the change takes effect if that is required by a code of practice that applies to us or by our regulators or another similar body.

(i) You agree that any fees, premiums or claims monies held by members of the group and its agents are held by them as agents of the underwriters.

(j) If a sole account holder dies the benefits and policies automatically cease. If one of two joint account holders dies the benefits and policies will pass to the survivor.

(k) We may vary all or part of the Account Benefits Package under condition 12 of the Halifax Bank Account terms and conditions (unless we withdraw the Account Benefits Package altogether, as referred to below in special condition (n)). If we vary the Account Benefits Package in whole or in part we may vary the account fee in accordance with special condition (m).

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Section 1 – Introduction to this agreement – how it works and who it applies toThis agreement is for our bank accounts and related services for personal customers resident in the United Kingdom (“UK”). It is made up of the general conditions and special conditions in this document and any additional conditions we give you for these accounts or services. Additional conditions are the daily overdraft fees, other fees, interest rates and other terms that apply to a specific service or account that are not included in the general conditions or special conditions. These will include, for example the terms set out in the rates and fees leaflet applicable to your account and in your application form(s). We will tell you which conditions apply when you take a new product or service from us.

In this agreement, “we” are Bank of Scotland plc and Halifax is a division of Bank of Scotland.

An important part of our role as your bank is to provide you with services to help you manage your finances. We do not generally provide advice, but we can use information we have about you to suggest other services we think might interest you. To find out more about how we and other Lloyds Banking Group companies use your personal information, please read Our Privacy Statement www.halifax.co.uk/privacystatement or ask for a copy in branch.

This agreement only covers accounts and services we provide for your personal use. We do not have to accept that anyone, apart from you, has any right to, or interest in, the money in your account (for example if you are keeping some or all of the money in your account for someone else).

You may not be eligible for all of the accounts or services covered by this agreement or all the features they have – for example, we will not give you a planned overdraft if you are under 18. We may also limit the number of accounts or services you can hold with us. In addition, not all the services and facilities covered by this agreement are available on all accounts. For example, telephone, mobile and internet banking services are not available on some accounts.

Additional conditions or special conditions may add to the general conditions but may also override an overlapping term in the general conditions.

Please ask us if you have any questions about this agreement or any other matter by visiting one of our branches, or contacting us by telephone.

Services and facilities on your accountWe provide the following main services and facilities depending on the type of account:

• Crediting of payments made into your account.

• Debiting of payments made out of the credit balance on your account. You may ask us to make a payment out of your account in a variety of ways including by writing a cheque, by setting up a direct debit or standing order, by requesting cash or by using your debit card.

• If you have a current account, you may:

− specifically request, and we may agree to provide, a planned overdraft which will allow you to borrow money from us up to a certain limit;

− make an informal request for an unplanned overdraft, by instructing us to make a payment which, if we choose to comply with it, would make your account exceed (or further exceed) its overdraft limit or, if you have no planned overdraft, cause your account to be overdrawn (or further overdrawn). (Unless we have guaranteed to a third party that we will make the payment, we do not have to comply with an informal request for an unplanned overdraft.)

• Cheque book (including cancellation and replacement if lost or stolen).

• Debit and cash machine card.

• Regular bank statements (either online or by post).

• Access to a 24-hour service so that you can contact us at any time to carry out transactions, answer queries or obtain assistance.

• Access to a cash machine network in the UK and abroad (fees apply for card use abroad).

There are additional services and facilities which you may ask for. These include, among others, stopping cheques, the special presentation of cheques, issuing banker’s drafts, providing you with copies of paid cheques or extra copies of statements and CHAPS payments.

You should consider which account is best for you. If you wish to change the type of account that you have at any time, you should contact us to discuss the options available.

Fees for our servicesOur current fees are listed in the rates and fees leaflet applicable to your account. Additional fees may also apply for some transactions that are not covered by this agreement. Fees for these services are contained in separate conditions which you will receive when you ask to use those services.

Under this agreement you agree to pay us those fees in exchange for the various services that we provide, including the main services and facilities. You can keep up to date with them by telephoning us, by visiting a branch or by looking at our website. This will allow you to decide whether or not you wish to incur them, and to manage your account accordingly.

The fees which you will have to pay will depend upon the type of account that you have and the way in which you operate your account. If your account remains in credit then you will not usually have to pay any fees for having the benefit of the main services and facilities but we will charge you a daily fee or interest if at the end of any day, your account is overdrawn. Daily fees and interest rates for planned overdrafts are lower than daily fees and interest rates for unplanned overdrafts. Our charging structure means that, in exchange for receiving the benefit of the main services and facilities, including the benefit of any overdraft that causes a daily fee or interest, you agree to pay our fees, including daily fees.

What can you do to minimise overdraft fees?

• Repay any overdraft as soon as you can.

• If your account offers an overdraft facility, ask us about arranging an overdraft as our daily fees and interest rates are lower for planned overdrafts than unplanned overdrafts.

• Check your available balance on the internet, by telephoning us or through a cash machine to make sure you have enough money in your account to pay everything due. The money in your account must be available for withdrawal (for example you must have waited for any cheques you have paid into your account to be available).

• If you go into overdraft in the course of a day, ensure that your overdraft is repaid by the end of the day to avoid paying the daily fee or interest for that day.

• Keep a record of any cheques you write and when they have been paid, so that you know how much money is left in your account. Someone can pay a cheque you have written into their account up to six months after you have written it.

• Check your statements and make a list of the dates of your regular payments (for example, mortgage, loan or rent). Keep a list of when all your direct debits and standing orders are due.

IT’S EASY TO GET IN TOUCH.

1/3360117-10 (02/15)

( Come in

e Call: 08457 20 30 40

Y Click: www.halifax.co.uk/cardcash www.halifax.co.uk/expresscash

CARDCASH AND EXPRESSCASH ACCOUNTS. Getting started guide For use from 1st March 2015

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Classic P

lus

What’s in it for you?With our Plus Account, you get everything that the Classic Account has to offer. As long as you keep to a few simple requirements, you’ll get credit interest on the first £2,000 in your account.

5% AER variable interest – that’s not an introductory rateSome banks tempt you in with a great rate only for it to vanish after a while. But that’s not the way we work, so our 5% AER isn’t an introductory rate – it’s for the foreseeable future. That’s 5% AER/4.89% gross variable interest on balances up to £2,000 only, paid on the first working day of each month.

You’ll need to pay in £500 a month and go paperlessWe make our 5% AER variable rate available to you whether you’re switching to us or have been with us for ages. All we ask is that you pay at least £500 into your Plus Account every month, sign up for Internet Banking and choose paperless statements and paperless correspondence.

Bank the way you want toBecause we don’t want to restrict you or your money, you can manage your account in the way that suits you best – in branch, online, or by Mobile or Telephone Banking. Easy.

Moving your payments to usOf course we’d like it if you moved your Direct Debits and standing orders to us when you open your new account, but unlike some banks, we don’t insist on it. We’d much rather you did more of your banking with us because you want to.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law

You can apply for the Plus Account whether you’re new to TSB or if you bank with us already.

6

Classic Plus Account.The current account that’s rather generous.

As a local bank, we’ve always wanted to do things differently. To stand out from the crowd. And really make a difference to the people who chose to bank with us. So we created the Plus Account.

4.89% On balances up to £2,000

5%AER

Gross variable

Eligibility, fees and chargesYou need to be 18 or over to apply for this account. Some Fees and Charges apply to certain parts of your Current Account. Please take a look at our ‘Banking Charges Guide’ for more information.

Click tsb.co.uk/plus

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Student

Overdrafts are available subject to application and approval and are repayable on demand.

What’s in it for you?Flexibility and control, that’s what. Because student outgoings tend to come in big lumps, we can smooth things over and with digital banking, help you see exactly where you stand, 24/7.

Getting some interestWhen you open a Student Account, you’ll receive 5% AER/4.89% gross variable interest on balances up to £500 only, paid on the first working day of each month.

Interest Free Overdraft to help with those extra expensesGet extra spending power when you need it with an interest and fee-free Planned Overdraft of up to £1,500. And, with a free £10 overdraft buffer, you won’t pay any overdraft fees or interest if you go unexpectedly overdrawn (either Planned or Unplanned) or exceed your Planned Overdraft limit by £10 or less. You must be 18 or over to apply. The fee-free overdraft is only available in your first six years of study.

Get the knowledgeEver wondered how much you spend and on what? With Money Planner on Internet Banking, we’ll crunch the numbers for you so you can see where your money’s going.

Spread it about a bitTo help spread the cost of the big things – and take care of life’s little surprises – you can also apply for a TSB Student Credit Card.

Representative exampleThe interest rate for purchases is

19.94% p.a. variable with a representative rate of

19.9% APR variable based on you borrowing

£1,000 and repaying it over 12 months.

Credit limits will vary based on your individual circumstances. Subject to application and approval.

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Student Account.It’s money, just the way you want it.

New town. New digs. New mates. New bank account. Because student life is for living, our Student Account has everything you could need for college or university.

Eligibility, fees and chargesTo have a Student Account you must be 17 or over, have been resident in the UK for at least three years and be studying for a full time course that lasts for a minimum of two years or be on a one-year access course leading onto a full time degree. Some other fees and charges apply to certain parts of your Current Account. Please take a look at our ‘Banking Charges Guide’ for more information.

Click tsb.co.uk/student

If you’d like this in another format such as large print, Braille or audio please ask in branch.If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0345 835 3843 (lines are open 24 hours a day, seven days a week).Important informationSave the Change® is a registered trade mark and is used under licence by TSB Bank plc.

Defaqto is an independent financial research company. All use of Defaqto Ratings is subject to licensed terms. To read these in full please visit www.defaqto.com/Star-Ratings

Calls may be monitored or recorded. If you need to call us from abroad, or prefer not to use our 0345 number, you can also call us on 0203 284 1575. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

Information correct as at January 2015.

TSB10287 (02/15)

Other ways we can help…For everything from mortgages and loans to savings and credit cards, we’re here to help. Just ask a member of our team or pick up a brochure in branch.

Call 03459 758 758Click tsb.co.ukVisit Drop into your local branch

Current accounts

1514

Policy limits INTELLIGENT FINANCE®

£2,500Title deeds

Credit cards

£6,000Short term accommodation costs and ground rent

£2,000,000Legal responsibility as occupier or individual

£10,000,000

£5,000Tenant’s liability

£500 per cyclePedal cycles including accessories

£500Money

£500

£2,000 in total for all outbuildings and garagesContents stolen from your garage(s) or outbuilding(s) forming part of your home

Legal responsibility as an employer to any of your family’s domestic employeesCOVERS THE MOST WE WILL PAY FOR ANY SINGLE EVENT

Repair or replacement including fees and related costs

The rebuilding cost

Alternative accommodation during repair

Legal responsibility as owner and Defective Premises Act Liability

COVERS THE MOST WE WILL PAY FOR ANY SINGLE EVENTLoss of keys or accidental damage to locks

The replacement cost

The following limits apply to this policy:

£20,000

£2,000,000

COVERS THE MOST WE WILL PAY FOR ANY SINGLE EVENT

Section 1: Buildings

Cover that applies to the whole policy:Whether you have chosen buildings cover or contents cover or both:

Section 2: Contents continued

£500 in totalContents in the open

£5,000 in total. The high risk items single item limit applies

Contents away from your home

The total cost of repairing or replacing your contents The high risk items limits apply

Contents while you move home

COVERS THE MOST WE WILL PAY FOR ANY SINGLE EVENTThe cost of repairing or replacing your contents The high risk items limits apply

Your contents in your home

The total limit specified by you as shown on your policy schedule. £1,500 single item limit

High risk items

Section 2: Contents

£500 for each visitorVisitors’ personal belongings in your home

£5,000 in total. The high risk items single item limit applies

Office equipment in your home

£1,000 in total with no other limit to be added Personal belongings stolen from or with a motor vehicle

COVERS THE MOST WE WILL PAY FOR ANY SINGLE EVENT

Section 3: Personal belongings

The total limit specified by you as shown on your policy schedule up to a maximum of £10,000£1,500 single item limit

Personal belongings

£500 per cyclePedal cycles including accessories

£500£25

£25

£500Money

£500Credit cards

Loss or damage to mobile phonesCost of calls made on your mobile phone between the time it is stolen and the time that the theft is reported to the airtime supplierCost of informing people of your new number if a new phone line and number is needed

£500Food in the freezer(s) in your home

£1,000Metered water or liquid petroleum gas

The replacement costMetered oil

£500Satellite receiving equipment

3736

INTELLIGENT FINANCE®

Property protectionWhat IS coveredWe will cover the costs and expenses for your legal rights in a civil dispute relating to your principal home and holiday home, or personal possessions, that you own or are responsible for, following: • An event which causes physical damage to such

material property, provided that the amount in dispute is more than £100;

• A legal nuisance (meaning any unlawful interference with your use of enjoyment of your land, or some right over, or in connection with it);

• A trespass.Please note that you must have established the legal ownership or right to the land that is the subject of the dispute.

What is NOT coveredAny claim relating to the following: • A contract entered into by you. • Any building or land other than your principal

home or holiday home.• Someone legally taking your property from

you, whether you are offered money or not, or restrictions or controls placed on your property by any government, public or local authority.

• Work done by, or on behalf of, any government or public or local authority unless the claim is for accidental physical damage.

• Mining subsidence. • Adverse possession (meaning the occupation of

any building or land either by someone trying to take possession from you or of which you are trying to take possession).

• The enforcement of a covenant by or against you (meaning the enforcement of an agreement you have entered into in connection with land you own).

• Defending a claim relating to an event that causes physical damage to property, but we will cover defending a counter-claim.

• The first £250 of any claim for legal nuisance or trespass. This is payable by you as soon as we accept the claim.

Tax protectionWhat IS coveredWe will cover the costs and expenses for you following a comprehensive examination by HM Revenue & Customs that considers all areas of your self assessment tax return, but not enquiries limited to one or more specific area.What is NOT covered• Any claim if you are self-employed or a sole

trader, or in a business partnership.• An investigation or enquiries by HM Revenue

& Customs Specialist Investigations or the HM Revenue & Customs Prosecution Office.

Jury Service and court attendanceWhat IS coveredWe will cover the costs and expenses for the following:Your absence from work:• To attend any court or tribunal at the request

of the appointed representative.• To perform jury service.The maximum we will pay is your net salary or wages for the time that you are absent from work less any amount the court gives you.What is NOT coveredAny claim if you are unable to prove your loss.

Legal defenceWhat IS coveredWe will cover the costs and expenses to defend your legal rights if an event arising from your work as an employee leads to: • You being prosecuted in a court of criminal

jurisdiction; or• Civil action being taken against you under:

– discrimination legislation. – Section 13 of the Data Protection Act 1998.

We will defend you and your family’s legal right if an event leads to your or their prosecution for an offence connected with the use or driving of a motor vehicle.What is NOT covered• Parking or obstruction fines.• The use of a motor vehicle by you or your

family for which you or they do not have valid motor insurance.

Section 5: Legal expenses

Claims procedure and conditions for your Legal expenses cover 1. Your legal representation

• On receiving a claim, if legal representation is necessary, we will appoint a preferred law firm or in-house lawyer as your appointed representative to deal with your claim. They will try to settle your claim by negotiation without having to go to court.

• If the appointed preferred law firm or our in-house lawyer cannot negotiate settlement of your claim and it is necessary to go to court and legal proceedings are issued or there is a conflict of interest, then you may choose a law firm to act as the appointed representative.

• If you choose a law firm as your appointed representative who is not a preferred law firm, we will give your choice of law firm the opportunity to act on the same terms as a preferred law firm. However, if they refuse to act on this basis, the most we will pay is the amount we would have paid if they had agreed to the DAS Standard Terms of Appointment.

• The appointed representative must co-operate with us at all times and must keep us up to date with the progress of the claim.

2. Your responsibilities• You must co-operate fully with us and the

appointed representative. • You must give the appointed

representative any instructions that we ask you to.

3. Offers to settle a claim• You must tell us if anyone offers to settle a

claim. You must not negotiate or agree to a settlement without our written consent.

• If you do not accept a reasonable offer to settle a claim we may refuse to pay further legal costs.

• We may decide to pay you the reasonable value of your claim, instead of starting or continuing legal action. In these circumstances you must allow us to take over and pursue or settle any claim in your name. You must also allow us to pursue at our own expense and for our own benefit, any claim for compensation against any other person and you must give us all the information and help we need to do so.

• Where a settlement is made on a without-costs basis we will decide what proportion of that settlement will be regarded as costs and expenses and payable to us.

4. Assessing and recovering costs• You must instruct the appointed

representative to have legal costs taxed, assessed or audited if we ask for this.

• You must take every step to recover costs and expenses and court attendance and jury service expenses that we have to pay and must pay us any amounts that are recovered.

5. Cancelling an appointed representative’s appointmentIf the appointed representative refuses to continue acting for you with good reason, or if you dismiss the appointed representative without good reason, the cover we provide will end immediately, unless we agree to appoint another appointed representative.

6. Withdrawing coverIf you settle or withdraw a claim without our agreement, or do not give suitable instructions to the appointed representative, we can withdraw cover and will be entitled to reclaim from you any costs and expenses we have paid.

7. Expert opinionWe may require you to get, at your own expense, an opinion from an expert that we consider appropriate, on the merits of the claim or proceedings, or on a legal principle. The expert must be approved in advance by us and the cost agreed in writing between you and us. Subject to this, we will pay the cost of getting the opinion if the expert’s opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to) or make a successful defence.

8. ArbitrationIf there is a disagreement between you and us about the handling of a claim and it is not resolved through our internal complaints procedure, you can contact the Financial Ombudsman Service for help. Alternatively, there is a separate arbitration process. The arbitrator will be a barrister chosen jointly by you and us. If there is a disagreement over the choice of arbitrator, we will ask the Chartered Institute of Arbitrators to decide.

Please refer to page 41 ‘Complaints procedure’ for details of our internal complaints procedure.

1/3390307-8 (03/15) Renewal

Mortgages, Savings and Current Accounts Enquire or apply

If you’re an existing Mortgage, Savings or Current Account customer, you can service your account on if.com or by calling our Contact Centre on

Intelligent Finance Home Insurance is underwritten by St Andrew’s Insurance plc, Registered in England and Wales No. 3104671, Registered Office: 33 Old Broad Street, London, EC2N 1HZ. Legal Expenses cover is underwritten by DAS Legal Expenses Insurance Company Limited, Registered in England and Wales No. 103274, Registered Office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Both companies are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Home Emergency cover is underwritten by Inter Partner Assistance S.A., who are a wholly owned subsidiary of AXA Assistance S.A. and part of the worldwide AXA Group. Inter Partner Assistance S.A. is authorised by the Belgian National Bank and regulated by the Financial Conduct Authority (FCA) in the UK. Inter Partner Assistance S.A. is registered in Belgium number: 394025. The UK branch registered in England and Wales No. FC008998, UK Registered Office: The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR. Your calls may be recorded for accuracy of information.

0845 605 8585

0845 609 4343

INTELLIGENT FINANCE

®

HOME INSURANCE POLICY

if.comINTELLIGENT FINANCE®

www.if.com 0845 600 0401


5BrochuresClient: XeroxLloyds Bank Private Banking A4 product booklets.

ENJOY A LITTLE MORE WITH CLUB LLOYDS

ENHANCE

WM1016 (01/15)

Call the Private Banking Service Centre on 0845 300 2750 or go to lloydsbank.com/club-lloyds

Please contact us if you’d like this information in an alternative format such as Braille, large print or audio.

If you have a hearing or speech impairment and would prefer to use a Textphone, call us on 0845 300 2281 (lines open 24 hours a day, seven days a week).

If you are Deaf and prefer to use BSL then you can use the SignVideo service available on lloydsbank.com/signvideo.asp

If you need to call us from abroad, or prefer not to use our 0845 number, you can also call on 0113 292 0276. Not all Telephone Banking services are available 24 hours a day, seven days a week.

Please speak to an adviser for more information. Call charges may vary.

Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Information contained within this brochure correct as of January 2015.

FREEDOMHELPING YOU maNaGE YOUr

fINaNcIaL fUtUrE OvErsEas

go to lloydsbank.com/international or call us on +44 (0) 1534 845 550

To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored.

OB5100 a4 (09/13)

I’D LIKE MY MONEY TO WORK FOR ME

Tiered credit interest for your current account

With Club Lloyds, you earn extra interest on the money in your Mayfair High Interest Cheque Account.

Get tiered interest of up to 4.00% AER*/3.93% Gross** variable, so the more money you keep in your Mayfair High Interest Cheque Account, the more interest you receive on balances from £1–£4,999.99. For any remaining balance of £5,000.00 or more you will earn 0.75% interest.

Our interest rates are calculated daily on the balance you hold in your account. It is paid monthly, so even when your balance fluctuates over the month, you’ll still be earning interest on your money.

See page 9 for an explanation of rate definitions.

4.00% AER variableThe interest rate you will earn on your whole balance when your balance is between £4000-£4999.99. 0.75% AER variableThe interest rate you will earn on the remaining balance of £5,000 or more.

4

Balances between £1-£1,999.99

1.00% AER

1.00% Gross

0.80% Net***

Balances between £2,000-£3,999.99

2.00% AER

1.98% Gross

1.59% Net

Balances between £4,000-£4,999.99

4.00% AER

3.93% Gross

3.14% Net

Remaining balance from £5,000

0.75% AER

The rates shown apply to your whole balance below £5,000.00. Interest of 0.75% Gross/AER will apply to any balance above the amount of £5,000.00. For example, if you have £4,000.00 in your account for 365 days,

you’ll receive an interest rate of 4.00% AER/3.93% Gross variable on your entire balance.

5

welcome to lloyds bank private banking

you’ve stepped away from the everyday. you’re carving your own unique path through

life. but there are times when you need a second opinion or an outside view. at times like these,

it’s comforting to know you could get help managing your financial future, giving you the

freedom to make the most of international living.

international living offers me possibilities

a move overseas can bring you rewards and opportunities. How you manage your wealth to get the best out of your money needs careful consideration. we help all kinds of international customers each and every day, so it’s likely we’ll have experience of your situation.

if you’re a Uk citizen about to start living overseas, we can advise you on what you’ll need to do before you leave. if you’re already living in another country, we’ll help you manage your finances to cover school fees or a property purchase. the same applies if you’re a non-Uk citizen working in the Uk. and if you’re retiring, we can aim to help you make your income work harder. whatever your situation, we can recommend tax specialists to advise you.if you’re looking to save or invest more than £250,000, we can help manage your wealth internationally.

whilst our services will be available to many of our customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

private banking

1


6BrochuresClient: DS Print & RedesignUgg Retail Training Guide.

Spring 2013

retail training guideConfidential and proprietary material

— for internal uSe only —

tHanK youThank you for taking the time to educate yourself and gain a thorough understanding of the UGG australia

brand and products. This not only makes you a better salesperson, but also a better representative of the

UGG brand. Remember, this training guide is meant to be used as a resource tool that can be used to review

or search and locate the information you need.

Core footWearWoMen’s fooTWeaR 17

fe B r UarY: i s l a Co lleC ti o n

from warm-weather sandals to transitional essentials, the ultra-comfortable Isla Collection is back with a

variety of wedge finishes. showcasing accents like woven straps and snake-print burlap, this Marrakech-inspired

assortment offers something for every occasion, including everyday bright espadrilles, beautiful exotics, and

intricate basket weaves.

Highlighted spring ’13 features:

ww 100% natural jute wrapped midsole (Lucianna, Lucianna Marrakech, Lauri, Tawnie, Callia)

ww antiqued leather-wrapped platform wedge (Doha, Assia, Hamra), nubuck suede wrapped midsole (Toura), midsole wrap combining exotic snake printed burlap and nubuck suede (Ariah)

ww Insole: leather wrapped Poron® foam cushioning for comfort

ww Woven peep-toe bootie with elastic gore cut-outs, rear-zip for individual fit (Hamra)

ww outsole: 4 ½” wedge heel with a 1 ½” platform and cork infused rubber outsole

Key styles: Lucianna, Lucianna Marrakech, Lauri, Tawnie, Toura, Ariah, Assia, Noella

fe B r UarY: ad e ll a Co lleC ti o n

The adella Collection features essential sandal silhouettes combined with unexpected softness. Heavily

cushioned footbeds and fully leather-lined uppers keep feet stylish and comfortable all day long. new to the

collection — the elyza II features metallic leather uppers with metallic tencel cutouts, while the Vivyan showcases

nubuck leather with Moroccan-inspired laser-cutout patterns.

Highlighted spring ’13 features:

ww Insole: 3mm of Poron® plus 2mm of eVa with buttery-soft leather sock cover

ww outsole: Molded rubber outsole with allover UGG logo pattern

ww luxurious leather uppers

ww Heavily cushioned footbeds

Key styles: Salah, Vivyan II, Mireya, Elyza II

BrochuresClient: DS Print & RedesignCity Lit Course Guide.

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www.citylit.ac.uk

City LitKeeley Street, Covent Garden, London WC2B 4BA

Enrolment: 020 7831 7831 Switchboard: 020 7492 2600 Fax: 020 7492 2735 Email: [email protected]

Access: fully accessible for people with disabilities.

Other locationsEC (European College) 7–11 Stukeley Street, London WC2B 5LB

Photography studio 9 Kean Street, London WC2B 4AY

The Fashion Retail Academy 15 Gresse Street, London W1T 1QL

Have you finished with this guide?Don’t bin it! Add it to your recycling, or pass it on to a friend.

Students with visual impairmentsIf you would like information in Braille, large print or on audio, please contact the Access to Learning team on 020 7492 2506.

The City Literary Institute, a company limited by guarantee, registered in England No. 2471686. Registered office 1-10 Keeley Street, London WC2B 4BA. Registered Charity No. 803007. Design by Roundel.

City Lit main site

European College

Photography studio

Fashion Retail Academy

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Where London learns...this summerSummer shortsCourses from July–Aug 2013

Where London learns...

CIT_2204_Summer_Courses_Guide_Cover_AW.indd 1 25/04/2013 12:06

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1

2

3

4

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www.citylit.ac.uk

City LitKeeley Street, Covent Garden, London WC2B 4BA

Enrolment: 020 7831 7831 Switchboard: 020 7492 2600 Fax: 020 7492 2735 Email: [email protected]

Access: fully accessible for people with disabilities.

Other locationsEC (European College) 7–11 Stukeley Street, London WC2B 5LB

Photography studio 9 Kean Street, London WC2B 4AY

The Fashion Retail Academy 15 Gresse Street, London W1T 1QL

Have you finished with this guide?Don’t bin it! Add it to your recycling, or pass it on to a friend.

Students with visual impairmentsIf you would like information in Braille, large print or on audio, please contact the Access to Learning team on 020 7492 2506.

The City Literary Institute, a company limited by guarantee, registered in England No. 2471686. Registered office 1-10 Keeley Street, London WC2B 4BA. Registered Charity No. 803007. Design by Roundel.

City Lit main site

European College

Photography studio

Fashion Retail Academy

1

2

3

4

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uide 2013

ww

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Where London learns...this summerSummer shortsCourses from July–Aug 2013

Where London learns...

CIT_2204_Summer_Courses_Guide_Cover_AW.indd 1 25/04/2013 12:06

3

Get in touch

Enrolment

020 7831 7831Switchboard

020 7492 2600

Or stay at City Lit and enjoy

Mojo Café Ground fl oorWith its selection of hot and cold drinks, cooked meals, sandwiches and snacks, our café is a good place to recharge and meet other students.

Supported learning centre MezzanineBrowse through our broad selection of books, journals, CDs, videos and DVDs covering a wide array of subjects and ideas, or work at one of the computer stations.

Sonia’s Garden Fourth fl oor Our cosy rooftop oasis is always a popular spot to relax or catch up with classmates in the open air. It’s named after our receptionist, Sonia, who designed the garden.

Lincoln’s Inn Field – 5 minsRelax in the leafy surroundings of London’s largest public square that’s always a crowd-puller once the sun comes out. Check out Barry Flanigan’s giant abstract sculpture ‘Camdonian’ in the north-east corner of the square.

Hunterian Museum – 5 minsAlso on Lincoln’s Inn Fields, this curious collection of medical and anatomical marvels is located in the grand premises of The Royal College of Surgeons of England.

Somerset House – 5 minsFrom refreshing fountains in the summer to winter ice-skating in stunning surroundings, this former royal palace also hosts free and paid exhibitions, an outdoor fi lm season, live music and more.

Courtauld Gallery – 7 minsFound within Somerset House, this art collection is dominated by Impressionist and Post-Impressionist work including paintings by Cézanne, Manet, Renoir, Van Gogh and Gauguin, with temporary exhibitions also drawing in the crowds.

St George’s Bloomsbury – 7 minsNicholas Hawksmoor’s Grade II listed church comes complete with lions, unicorns and King George I on its unusual steeple. It is usually open weekdays from 13:00–16:00 and also hosts free music concerts.

Covent Garden Market – 7 minsOne of London’s star attractions, there’s something for everyone in and around the famous piazza, from the selection of artisan goods on sale, the diverse street performances, or a chance to relax and people watch from one of the numerous pavement cafes.

Out and about at lunchtime

Make the most of lunchtime and take time out to explore our central London neighbourhood during your break, or before or after class. From contemporary art to iconic artefacts or an array of open spaces, there’s a lot to see and do around City Lit.

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Room 2 featuring The Courtauld Gallery’s Renaissance collection.

Crocodile and egg from Hunterian Collection

Win a weekend course from our summer school programme

To enter, just tweet: ‘I want to win a City Lit summer course’ using hashtag #citylitsummer and we’ll pick a tweet at random. Terms and conditions, and course ideas, on our website www.citylit.ac.uk

CIT_2204_Summer_Courses_Guide_Final_AW.indd 3 25/04/2013 12:12

2

Summer in the city

Fancy doing a summer short course but don’t know what to choose? Here’s ten short, fun courses to inspire you:

R 74 R 24

R 37 R 79

R 82 R 127

R 68 R 30

R 37 R 113

12345 10

9876Summer wine Puppetry

Design a small urban garden

Soap making (aromatherapy)

Film comedy Do black holesreally exist

Hip hop (dance) Superhero life drawing

Make a silver bangle

Ukulele

City Lit picks: fi ve top exhibitions

One of the world’s most culturally diverse cities, there’s always something new to see and do in London. Here’s our fi ve top picks for things to see this summer.

David Bowie IsThe Victoria and Albert Museum23 March–11 AugustOne of City Lit’s famous former students is the subject of a major retrospective that focuses on items from his personal archive.

www.vam.ac.uk

Lowry and the Painting of Modern LifeTate Britain26 June–20 OctoberFamous for his depictions of urban street scenes of Salford, painter LS Lowry (1887–1976) receives his fi rst posthumous retrospective, with around 80 works being brought together for the fi rst time.

www.tate.org.uk

Jerwood Makers Open 2013 Jerwood Space10 July–25 AugustApplied artists Maisie Broadhead, Linda Brothwell, Adam Buick, Nahoko Kojima and Roanna Wells reveal their work after winning Jerwood Makers Open commissions in this annual competition.

www.jerwoodspace.co.uk

Life and Death in Pompeii and HerculaneumBritish Museum28 March–29 SeptemberThis major show brings together over 200 objects discovered at Pompeii and Herculaneum, Roman towns engulfed by ash from Mount Vesuvius in AD79.

www.britishmuseum.org

Summer ExhibitionRoyal Academy10 June–18 AugustAn annual event since 1769, the summer exhibition allows amateur and emerging artists to show work next to some of the art world’s biggest names, in what is always a highly diverse experience.

www.royalacademy.org.uk

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L.S. Lowry The Fever Van 1935

Album cover shoot for Aladdin Sane

City Lit summer course guide 2013


49Computing and digital communication

Find out more about your course. For a detailed outline enter the course code at www.citylit.ac.uk or call 020 7492 2600

Code Date(s) Day(s) Time Week(s) Site Fee Snr. Conc.

Basic computing

Computing: getting startedAn easy way to learn how to use a computer. You will be introduced to the basic features of Windows and the most frequently used software. Ideal if you’ve never used a computer before.

CAB04 8 Jul–22 Jul Mon & Tue 10:30–13:30 3 KS £105 £60 £43

The internet

Internet/email getting startedLearn how to surf the internet and use email in a friendly and supportive group. Knowledge required: ability to use a mouse and keyboard.

CIN04 23 Jul–6 Aug Mon & Tue 10:30–13:30 3 KS £105 £60 £43

Summer internet café Come and use the internet for your own projects in a supportive environment.

CSC01 3 Jul–7 Aug Wed 14:00–16:30 6 KS £54 £31 £22

Mobile devicesiPad and iPhone

iPad getting started Get to know the basic features of your iPad, use the touchscreen and learn how to interact with it and organise your tablet desktop.

CPD04 5 Aug Mon 14:00–17:00 1 KS £21 £12 £9

iPad moving on Learn to set up WiFi and email, surf the web, and save and organise web pages.

CPD05 6 Aug Tue 14:00–17:00 1 KS £21 £12 £9

iPhone and iPad: how to download appsLearn how to download and manage apps on your iPad or iPhone.

CPD06 15 Aug Thu 14:00–17:00 1 KS £21 £12 £9

iPhone and iPad workshop Troubleshoot common iPhone and iPad issues in a friendly and supportive environment.

CPD07 16 Aug Fri 14:00–17:00 1 KS £21 £12 £9

Tablets and laptops

Choosing a laptop Are you thinking of buying a laptop but don’t know where to start? There are hundreds of laptops to choose from and we can help you find the right one.

CLP01 14 Jul Sun 10:30–14:00 1 KS £25 £14 £10

Choosing a tablet Thinking about buying a tablet but don’t know where to start? This course will help you. We’ll outline the options available and what you should look for to get the right tablet to suit your needs.

CTA01 21 Jul Sun 10:30–14:00 1 KS £25 £14 £10


48

Working with PCs, Macs and mobile devices, our summer courses range from beginner to advanced levels. We offer traditional Microsoft Office skills, computer programming, web and social media as well as guides for buying and making the best use of various digital devices.

All computing courses are taught by friendly, dedicated and experienced tutors who also offer bespoke IT training courses that can be delivered in your workplace.

See also computer-based visual arts courses in the ‘Photoshop, Illustrator and InDesign’ section, page 41.

Computing and digital communication

How to enrol – Online at www.citylit.ac.uk– Call us on 020 7831 7831– Pop in and enrol in person– Fill in and post the enrolment

form in the back of this brochure

Department contact020 7492 [email protected]

Telephone hoursMon–Fri 10:00–17:00

If your course is starred (eg CED01*) you will need to attend an interview with the Computing department so that you can be placed on the right course for you. ECDL interviews are held during the day and evening. Please contact the Computing department to book your appointment.

Computing drop in course advice times Tue 17:30–18:30Wed 12:30–13:30

ContentsBasic computing 49The internet 49Mobile devices 49Windows and file management 50Digital tools 50Courses leading to a qualification 50Microsoft applications 50Safety and security 52Technical computing 52Programming 52Web page design 52Desktop and digital publishing 53Design and illustration 53Open source software 54Vblogging 54Social media 54Business computing 55Buying and selling online 56Explore your interests using a computer 56

City Lit summer course guide 2013


BODYAMRFriday 19 15:15h

www.bodyamr.com

Press: T: +44 (0)20 7691 2085

E: [email protected]

Sales: T: +44 (0)79 3281 5786


David Koma

Friday 19 14:15h

www.davidkoma.com

Press: T: +44 (0)20 7331 1421


Sales:T: +44 (0)77 6819 5428


Prophetik

Friday 19 13:00h

www.prophetik.com

Press: T: +44 (0)20 7495 3390


Sales: T: +1 (0)61 5554 2248


This season, Vauxhall Fashion Scout is expanding and is hosting a

new Exhibition space. Held in the beautiful Prince Regent room in

Freemasons’ Hall, the exhibition features 16 great designers and is

open 10.00 – 19.00 Sat 20th – Tue 23rd Feb.

We are also very excited to announce our presence at Paris

Fashion Week, with our brand new Paris Showroom based in the

centre of the Marais. Located in a spacious and bright artist’s

studio the showroom will run from Fri 5th- Mon 8th March and

features a selection of the best innovative designers.

Finally, Vauxhall Fashion Scout’s London event is the home of

the Off-Schedule Media Centre. Featuring free laptops and high

speed Wi-Fi the media centre enables industry access to all

Off-Schedule designers during Fashion Week. This popular

haven, funded by the London Development Agency’s Fashion

Showcasing Fund, also provides much needed respite and a

space to relax.We are extremely proud to present an exciting, varied

showcase of outstanding talent this season. A champion of

innovation, we can’t wait to see what the future holds for this

bright new generation of designers.

The Team at Vauxhall Fashion Scout

web: www.vauxhallfashionscout.com

blog: www.thefashionscout.com

As the driving force behind the best innovative designers, Vauxhall

Fashion Scout selects the finest designers and showcases their

talents to a global audience. Throughout the year we nurture and

develop these designers through our mentoring programme -

creating successful and sustainable fashion businesses. Returning this season is the hotly anticipated Merit Award with the

winner, CSM alumni Hermione de Paula, following in the successful

footsteps of our previous winners William Tempest and David Koma.

Ones to Watch, one of London’s leading group shows, is also

returning with designers ASKH, David Longshaw, Eudon Choi and

Florencia Kozuch making their LFW catwalk debut. Providing a

platform for our pick of the most cutting edge, exciting new designers,

this is a chance to catch a first glimpse of raw talent in the making.

HOLBORN

FREEMASONS’ HALL60 GREAT QUEEN STLONDON WC2B 5AZ4 MINUTES WALK FROM SOMERSET HOUSE

Pict

ure

front

cov

er: H

erm

onie

de P

aula

/ De

sign:

And

rea

Padr

ó


7BrochuresClient: Vauxhall Fashion ScoutLondon Fashion Week Guide.

Danny TangFriday 19 16:15h

www.danny-tang.com Press: T: +44 (0)20 8947 5475 E: [email protected] Sales: T: +44 (0)20 7737 6433 E: [email protected]

Gemma Slack PRESENTATION

www.gemmaslack.comPress: T: +44 (0)20 7436 9449 E: [email protected]: T: +44 (0)20 7377 6030 E: [email protected]

Friday 19 17:00-20:00h


8CalendarsClient: XeroxHalifax 2015 Calendar.

CALENDAR2015

INTERNAL USE ONLY

MARCH2015M T W T F S S

12 3 4 5 6 7 89 10 11 12 13 14 1516 17 18 19 20 21 2223 24 25 26 27 28 2930 31

INTERNAL USE ONLY

After the death of her husband, I took time to review my customer’s accounts with her. She said she’d prefer to have everything with the Halifax. So, we transferred her current account and home insurance making her £500 better off over the year. She was also delighted to receive the £100 switcher reward.

Scott Porter Banking Consultant, Eccles Branch

“ ”

}

+

=

JANUARY2015M T W T F S S

1 2 3 45 6 7 8 9 10 1112 13 14 15 16 17 1819 20 21 22 23 24 2526 27 28 29 30 31

INTERNAL USE ONLY

My customer had a credit card with a competitor with an interest rate over 25% – she’d just used it to pay for her annual holiday. I told her about our Clarity card and, as it met her needs, she quickly switched saving her interest and card usage fees on her holiday.

Chloe Brewer Customer Adviser, Morley Branch

“ ”

APRIL2015M T W T F S S

1 2 3 4 56 7 8 9 10 11 1213 14 15 16 17 18 1920 21 22 23 24 25 2627 28 29 30

INTERNAL USE ONLY

My customer wanted to pay a bill so we showed him how to set up a Faster Payment. Whilst in the branch he received a text to confirm the payment. He was amazed at the speed of the process and we heard him saying to another customer ‘Why would you want to bank anywhere else but here?’

Sarah-Louise Broughton Counter Support, Potters Bar Branch

“ ”

FEBRUARY2015M T W T F S S

12 3 4 5 6 7 89 10 11 12 13 14 1516 17 18 19 20 21 2223 24 25 26 27 28

INTERNAL USE ONLY

I helped my customer transfer his mortgage from Barclays to the Halifax reducing his payment by £400 a month and term by seven years. As a result he told me he’d be able to retire early!

Lauren Van Leer Customer Adviser, Northallerton Branch

“ ”

MAY2015M T W T F S S

1 2 34 5 6 7 8 9 1011 12 13 14 15 16 1718 19 20 21 22 23 2425 26 27 28 29 30 31

INTERNAL USE ONLY

My customer wasn’t confident using his computer. I showed him step-by-step how to use Online Banking so he could do his banking from home. He was thrilled that the next month he didn’t need to make the journey into town.

Katie Willis Banking Consultant, Luton Branch

“ ”

+

-

9Financial Brochures & ReportsClient: XeroxLloyds Bank Private Banking Asset Management Guide.


P R I V AT E B A N K I N G

ASSET MANAGEMENT SERVICE A guide to our Investment Portfolio

and Portfolio Administration Services

M55574 (01/15)

Please go to lloydsbank.com/privatebanking or call us on 0845 300 2750.



If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on 0845 300 2281 or 01733 347500 if you prefer not to use our 0845 number

(lines are open 24 hours a day, seven days a week).


Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

Lloyds Bank Private Banking Limited Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2019697.

Both companies are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under numbers 119278 and 122626 respectively.Calls may be monitored or recorded in case we need to check we have carried out your instructions

correctly and to help improve our quality of service. Not all telephone services are available 24 hours a day, seven days a week. Please speak to your Private Banking and Advice Manager for more information.

Call costs may vary depending on your service provider.Information correct as of November 2014.

48%

4%

7.5%

37%

2.5%

Note: This is only an indicative depiction of the strategic asset allocation relating to a typical Balanced profile; it is intended for illustrative purposes only. It may be subject to change depending on market conditions and at the discretion of the manager.

Balanced profileSeeks to provide a return with a medium risk of capital loss in the short- to medium-term. This is achieved through a diversified portfolio of collective investments with broadly balanced proportions of relatively lower-risk, income-producing investments and medium- to relatively higher-risk growth investments. The significant majority of the assets is likely to be bonds, UK property, international property, UK equity, international equity and absolute return funds.

Balanced (higher yield) profileSeeks to provide a higher income yield than the Balanced Profile, which could potentially result in a higher risk to capital compared to that profile over the life of the investment. This is achieved through a diversified portfolio of collective investments with broadly balanced proportions of relatively lower-risk, income-producing investments and medium- to relatively higher-risk growth investments. The significant majority of the assets are likely to be bonds, UK property, international property, UK equity, international equity and absolute return funds.

ASSET ALLOCATION

Cash or liquid assets Bonds Property Equities Absolute Return Strategies

11

Private BankingInvestment Profiles

34.5% 48.5%

3%5%

9%

Note: This is only an indicative depiction of the strategic asset allocation relating to a typical Discovery profile; it is intended for illustrative purposes only. It may be subject to change depending on market conditions and at the discretion of the manager.

RISK CATEGORY 3 – MEDIUM RISK

Profiles within Risk Category 3 – Medium Risk

Risk Category 3 – Medium Risk profiles attempt to distribute your money more evenly between relatively lower-risk, income-producing assets such as bond funds, medium-risk assets such as property funds and relatively higher-risk assets such as equity funds.

These profiles carry greater growth potential while aiming to moderate risk. They suit investors who are keen to enjoy the advantages offered by higher growth investments without exposing their capital too much to the risk of loss.

Discovery profileSeeks to provide a return with a moderate risk of capital loss over the short-term. This is achieved through a diversified portfolio of collective investments, giving a fair exposure to relatively lower-risk, income-producing investments and medium- to relatively higher-risk growth investments. A high proportion of the lower-risk investments are bond funds and absolute return funds. The medium- to relatively higher-risk growth investments are mostly made up of property and equity funds investing in the UK and internationally.

Discovery (higher yield) profileSeeks to provide a higher income yield than the Discovery Profile, which could potentially result in a higher risk to capital compared to that profile over the life of the investment. This is achieved through a diversified portfolio of collective investments, giving a fair exposure to relatively lower-risk, income-producing investments and medium- to relatively higher-risk growth investments. A high proportion of the lower-risk investments are bond funds and absolute return funds. The medium- to relatively higher-risk growth investments are mostly made up of property and equity funds investing in the UK and internationally.

ASSET ALLOCATION


10

Investment Profiles

8%1%

7%

88%

Note: This is only an indicative depiction of the strategic asset allocation relating to a typical Adventurous profile; it is intended for illustrative purposes only. It may be subject to change depending on market conditions and at the discretion of the manager.

This profile is made up of funds investing mainly or wholly in equities and other higher-growth assets.

Structured for optimum growth potential, the Adventurous Profile is designed for those who are willing to accept extra risk in return for higher growth potential.

Adventurous profileSeeks to provide a high return with a high risk of capital loss in the medium-term. This is achieved through a diversified portfolio of collective investments, giving exposure to a wide range of medium- and relatively higher-risk investments in various UK and international financial markets. There is very limited exposure to relatively lower-risk, income-producing investments.

ASSET ALLOCATION


RISK CATEGORY 5 – HIGH RISK

Profile within Risk Category 5 – High Risk

A CLOSER LOOK

For more details about these risk categories please refer

to the ‘Guide to Investments’. Information about the specific,

underlying funds used in our Investment Portfolio Service

can also be found in our ‘Guide to Investment Portfolio Service

funds and charges’.

13

Private BankingInvestment Profiles

50

100

150

200

250

300

Dec 13Dec 12Dec 11Dec 10Dec 09Dec 08Dec 07Dec 06Dec 05Dec 04Dec 03

Source: Bloomberg, 31 December 2003 to 31 December 2013

% R

etur

n on

£10

0 in

vest

ed o

n 31

Dec

embe

r 200

3

Collective funds to spread your risksIn a collective fund, your money is pooled with that of many other investors, giving you access to a much wider selection of investments than might be possible as a single investor. This provides significant benefits in terms of diversification and risk reduction because the performance of your investments is not tied to a handful of investments.

Collective funds also enable investment in areas not easily accessible directly by individual investors, for example high yield bonds and commercial property.

The collective funds we use specialise in a number of asset classes including cash-benchmarked funds, bonds, UK and international equities, UK property and international property funds, as well as commodities. The mix of these assets, each

type with its own unique characteristics, shapes how your portfolio might perform.

Ten years of comparative performanceThe graph above shows how different asset classes have performed over a ten year period and that no one single asset class consistently comes out on top. Investing in different

KEY FTSE World ex-UK Total Return Index FTSE EPRA/NAREIT Developed £ Total Return Index Bonds: FTSE Actuaries UK Gilts All Stocks Total Return Index FTSE All-Share Total Return Index UK IPD Property UK Clearing Bank Rate

Ten years of comparative performancePast performance is not a reliable indicator of future performance

14

Investment Profiles

HOW WILL MY PORTFOLIO BE MANAGED?

Consistency and efficiencyWe believe that long-term consistency and efficiency are key factors to investment success. The world’s financial markets fluctuate on a daily basis, making it easy to let short-term movements influence your thinking. To manage this, our Investment Portfolio Service adopts an up-to-date, diversified collective investment approach to help make the most of your money and to try to achieve consistent returns over time.

Our investment approachWe believe that investing in multiple assets through multiple managers can potentially bring multiple advantages. To select the investments held in your portfolio we collaborate with a subsidiary of Aberdeen Asset Management PLC (Aberdeen). We use their expertise in investment research, advisory and management services to assist us in relation to our Investment Portfolio Service. This includes deciding the asset allocation of the portfolio between bonds, property, equities and alternative investments and the selection of the funds and investments used within each of these asset classes.

By collaborating with Aberdeen in this way it allows us to focus on building client relationships through advice, relationship management and discretionary portfolio management services for our clients.

By choosing the right blend of assets, managers and markets at any one time, we can capitalise on the individual strengths of a number of fund managers for maximum consistency.

The diagram on the next page illustrates the advantages of our approach:

• Collective funds, combining multiple assets, spread risk through diversification and broaden your potential opportunities for returns.

• Multiple investment strategies allow us to tailor your portfolio to the prevailing market conditions.

• The freedom to choose between multiple fund managers for equity and high yield bond investments means we can aim to keep your portfolio performing to the very best of its ability.

• Fund allocation ensures portfolio performance matches the profile you have selected.

Private Banking

17

Portfolio Management

ABSOLUTERETURNSTRATEGIES

ABSOLUTE RETURNSTRATEGIES PROPERTY

EQUITIES

BONDS

We also use the manager of managers approach when investing in high yield bonds and international property.

Multi-strategySelecting the right investment strategy for market conditions

Multi-managerPicking high quality managers for equities using a manager of managers approach and monitoring their performance

Multi-assetChoosing the right blend of Cash or Liquid Assets, bond, property, equity and Absolute Return Strategy for your profile

OUR INVESTMENT APPROACH

Cash or Liquid Assets

Portfolio Management

18

10Financial Brochures & ReportsClient: XeroxUKAR 2014 Annual Report & Accounts.


Registered in England and Wales under company number 07301961

UK Asset Resolution LimitedAnnual Report & Accountsfor the 15 months to 31 March 2014

UK Asset Resolution Limited – Registered Office: Croft Road, Crossflatts, Bingley, West Yorkshire BD16 2UARegistered in England and Wales under company number 07301961 www.ukar.co.uk

Annual Report & Accounts 2014 Directors’ Report

41

Financial review Following the change of financial year-end to 31 March, these financial results are for the 15 month period to 31 March 2014. Therefore, to aid the comparison to prior year results (12 months to 31 December 2012) additional unaudited disclosures have been made in an appendix to this document. These outline the results for both the 12 months to 31 March 2014 and 12 months to 31 March 2013, plus the Balance Sheet position at 31 March 2013.

PerformanceFor the 15 month period to March 2014, underlying profit was £1,523.2m (12 months to December 2012: £1,096.9m). Underlying profit for the 12 months to March 2014 has increased by £185.5m to £1,259.1m (12 months to March 2013: £1,073.6m). The increase in profits was primarily due to a lower impairment charge, as the result of continued improvements in the level of arrears and increased HPI, and higher net operating income.

Underlying net operating income for the 15 month period was £1,846.9m (2012: £1,515.4m). For the 12 months to March 2014 underlying net operating income has increased by £40.5m to £1,486.3m (March 2013: £1,445.8m) due to lower funding costs, partly offset by lower income from the reducing Balance Sheet. Ongoing administrative expenses continue to fall. For the 12 months to March 2014 expenses were 9% lower than the previous year at £189.8m (March 2013: £207.5m). Administrative expenses for the 15 month period were £246.3m (2012: £207.3m). Impairment on loans to customers for the 15 months was £95.1m (2012: £241.4m) and £46.6m for the 12 months to March 2014, a reduction of £153.6m from March 2013 (£200.2m). Net impairment on investment securities was a £17.7m credit for the 15 months (2012: credit of £30.2m; March 2014: £9.2m; March 2013: £35.5m). The number of mortgage accounts 3 or more months in arrears including possessions reduced by 39% compared to December 2012.

The Board continue to believe it is appropriate to assess performance based on the underlying profits of the business, which excludes non-recurring costs, particularly those associated with the integration of B&B and NRAM and the remediation of inherited regulatory defects and certain gains such as the repurchase of our own liabilities at a discount. Also excluded are movements in fair value and hedge ineffectiveness relating to financial instruments which are expected to be held to maturity as opposed to being traded. The commentary on the results in this statement uses underlying profits and its components as the measure of performance. An analysis of the difference between the statutory profit and the underlying profit of UKAR is provided below.

Income Statement

UKAR B&B NRAM

For the 15 months ended 31 March / year ended 31 December 2014 2012 2014 2012 2014 2012

£m £m £m £m £m £m

Net interest income 1,830.6 1,484.9 511.9 323.1 1,318.7 1,161.7

Underlying net non-interest income1,2 16.3 30.5 30.2 19.4 (15.7) 11.2

Underlying net operating income 1,846.9 1,515.4 542.1 342.5 1,303.0 1,172.9

Ongoing administrative expenses1 (246.3) (207.3) (113.5) (93.4) (131.0) (113.9)

Impairment on loans to customers (95.1) (241.4) (78.8) (62.1) (16.3) (179.3)

Net impairment on investment securities3 17.7 30.2 13.9 51.1 3.8 (3.7)

Underlying profit before taxation 1,523.2 1,096.9 363.7 238.1 1,159.5 876.0

Unrealised fair value movements on financial instruments

(29.6) (42.8) (26.7) (6.6) (2.9) (36.2)

Hedge ineffectiveness (27.6) (28.4) (6.3) (9.4) (21.3) (19.0)

Other net administrative expenses - (59.7) - (24.0) - (35.7)

Provision for customer redress (115.8) (419.0) (14.5) (12.0) (101.3) (407.0)

Gain on repurchase of own liabilities 2.9 143.5 2.9 27.6 - 115.9

Profit on sale of unsecured loans 21.2 - - - 21.2 -

Statutory profit before taxation 1,374.3 690.5 319.1 213.7 1,055.2 494.0

1. Underlying net non-interest income and ongoing administrative expenses include £1.8m in relation to UKARcs.2. Underlying net non-interest income includes net fee and commission income, net gains on financial instruments designated at fair value, net realised gains less losses on

investment securities and other operating income.3. UKAR numbers include consolidation adjustments.

Directors’ Report Annual Report & Accounts 2014 40

Key performance indicators – UKAR In addition to the primary Financial Statements, we have adopted the following key performance indicators in managing business performance in the context of the Group’s strategic priorities:

Strategic priorities

Financial measures March 2014Dec

2012Commentary

Optimise the Balance Sheet

Total lending balances £bnSecured £bn

Unsecured £bn

61.259.9

1.3

68.766.8

1.9

Lending balances reduced by 10.9% during the period due to £5.8bn of secured residential redemptions, £0.1bn of unsecured loan redemptions, £0.2bn of commercial loan redemptions and £1.0bn of other capital repayments. In addition, the £0.4bn NRAM standalone unsecured personal loan book was sold during the period.

Residential mortgage redemption rate %Residential redemptions £bn

7.15.8

6.34.6

Redemption rates have increased compared to 2012 reflecting increases in house prices and improved levels of remortgage activity across the market.

Government loan repayments £bnGovernment loan balance £bn

5.1238.3

3.1043.4

£2.0bn repaid against the B&B Working Capital Facility (‘WCF’) and £3.1bn on the NRAM government loan.

Total cash payments to HM Treasury £bn 6.22 3.97 Total cash paid to HM Treasury during the period. This includes principal and interest repayments, guarantee fees and corporation tax paid. The main driver of the increase is the higher repayments of loan principal.

Minimise impairment and losses

Residential arrears balance: totalresidential mortgage balance %

Residential payments overdue £m0.20

121.20.28

185.8

This represents the value of customers’ missed payments as a proportion of the total balance of all residential mortgages and reflects that the level of debt owed on mortgages is falling at a quicker rate than the reduction in the book.

Residential arrears 3 months and over and possessions as % of the book:

– by value – by number of accounts

Number of residential arrears 3 months and over and possessions cases

3.822.93

15,483

5.544.36

25,581

The reduction in arrears reflects both the improvement in collections performance and the continuing support provided to mortgage customers by low interest rates.

Impairment provisions:Residential secured £m

Cover %Unsecured £m

Cover %Commercial/other £m

Cover %

1,151.81.90

214.714.35

90.912.73

1,411.12.09

403.817.56100.011.34

The level of residential impairment Balance Sheet provision reduced by £259.3m. The provision reflects improved arrears performance and the benefit of improving house prices. Coverage has reduced on the unsecured book following the sale of the NRAM standalone personal unsecured loan book. Commercial coverage has increased as a result of updated property valuations.

Reduce costs Total costs (excluding UKARcs) £mOngoing costs (excluding UKARcs) £m*

Ratio of costs to average interest-earning assets:

– statutory % – ongoing %*

244.5244.5

0.260.26

267.0207.3

0.320.25 The ongoing costs run rate, excluding

UKARcs, has fallen reflecting the benefits of integrating the operations of the two businesses, the reducing customer base and the transfer of IT infrastructure to a new provider.

12 months to March 2014 vs 12 months to March 2013

Total costs (excluding UKARcs) £mOngoing costs (excluding UKARcs) £m*

Ratio of costs to average interest-earning assets:

– statutory % – ongoing %*

March2014

188.0188.0

0.250.25

March2013

267.2207.5

0.330.25

* Ongoing costs exclude certain items that are not expected to recur on an ongoing basis; an analysis of items excluded from ongoing costs is provided on page 44.

Annual Report & Accounts 2014 4

UK Asset Resolution Limited Annual Report & Accounts 2014 4

Chairman’s statement

This third set of consolidated results for UKAR are for a 15 month period as a result of the Group’s accounting reference date changing from 31 December to 31 March in order to align to the reporting year-end of HM Treasury.

Our CEO, Richard Banks, gives a more detailed overview of our performance in the Strategic Report confirming that in 2013/14 we made excellent progress and exceeded the medium term targets for value creation and loan repayments agreed with our shareholder in 2011. Over the past 15 months, payments to the taxpayer, including repayments of loans, interest, fees and corporation tax totalled £6.2bn. Since establishment in October 2010 UKAR has repaid over £10bn of the government loans, reducing these from £48.7bn to £38.3bn.

Underlying profit before tax for the 15 months was £1,523.2m. When adjusted for comparable time periods this is 11% higher than the 12 month period of 2012 of £1,096.9m primarily due to a reduced loan impairment charge, as the result of continued improvements in the level of arrears and house prices.

The number of residential customers in arrears by more than 3 months continued to improve in 2013 and the first quarter of 2014 and reduced from 25,581 in December 2012 to 15,483, contributing to the loan impairment charge falling from £241m to £95m. Over 93% of our customers continue to be fully up to date with their loan payments and we are continuing our strategy of proactive contact with customers to help them manage their financial affairs.

In 2013 we replaced our costly and unreliable legacy IT infrastructure and completed the withdrawal from our operations in Gosforth, Newcastle. Colleagues now work from two main sites at Doxford in Sunderland and Crossflatts in West Yorkshire.

The remediation of historic regulatory defects has continued, principally relating to the mis-selling of Payment Protection Insurance (‘PPI’) and in respect of a segment of Northern Rock Consumer Credit Act (‘CCA’) regulated loans. Remediation has cost £116m in 2013/14 but we remain determined to correct the errors of the past and treat our customers fairly.

The BoardThe UKAR Board comprises myself as Chairman, four independent Non-Executive Directors, two UKFI nominated Directors and one Executive Director. In September we welcomed Christopher Fox to the Board when UKFI appointed him as one of their representative Non-Executive Directors to manage HM Treasury’s shareholdings in UKAR. Christopher replaced Jim O’Neil who left UKFI in the same month. We also said farewell to Phillip McLelland, our Finance Director, who left UKAR at the end of November for a role with Provident Financial plc and we wish him and Jim well in their new roles. We reduced the number of independent Non-Executive Directors by one at the end of 2013 when Louise Patten stepped down from the Board after 10 years. Louise has served the Board and our Remuneration Committee, which she chaired, exceptionally well and I would like to thank her for her contribution over the years.

At the end of the 15 months our internal review of the performance of the Board was positive and concluded that its performance continued to be satisfactory, demonstrating good collaborative team working. The various Board Committees also undertook annual reviews, with similar outcomes.

I would like to thank all Directors for their contribution to the effective running of UKAR in what has been a period of excellent progress.

GovernanceHigh standards of corporate governance are fundamental to the way UKAR operates. The Board is committed to ensuring that we not only operate effectively, but that each Director is committed to the role and continues to make a valuable contribution to the business. You will find full details of the Board structure and biographies of each Director on pages 16 to 18.

Annual Report & Accounts 2014

5Annual Report & Accounts 2014 UK Asset Resolution Limited

5

Chairman’s statement (continued)

ColleaguesColleagues across UKAR have once again made tremendous efforts and shown resilience in coping with the change and complexity that arises as a result of bringing two businesses together. I want to thank all colleagues, those who are in daily contact with our customers and those in the support areas, for their commitment, loyalty and contribution to the success of UKAR.

Richard Banks and his management team have shown great leadership in managing the orderly wind down of the two mortgage books and maximising value for the taxpayer whilst maintaining high levels of colleague engagement, embedding good conduct and treating our customers fairly. Many complex issues have arisen over the 15 months and the team have applied themselves with great determination and professionalism to finding solutions to these.

Looking ahead UKAR has been very successful since its formation in 2010 but we are conscious that new challenges will emerge as the wind down proceeds and the balance sheet shrinks. The Board keeps under review all options for realising value from the operational expertise that has been developed that are consistent with the objective of accelerating the repayment of government debt.

I thank everyone involved with UKAR for their efforts and look forward to continuing our progress in 2014/15.

Richard Pym

Chairman

2 June 2014

Annual Report & Accounts 2014 66

Consolidated Statement of Comprehensive Income

For the 15 months to 31 March 2014

Gross of tax Tax Net of tax

£m £m £m

Profit for the financial period 1,374.3 (308.3) 1,066.0*

Other comprehensive income/(expense)

Items that may be reclassified subsequently to profit or loss:

Available-for-sale instruments:

– net gains recognised in available-for-sale reserve during the period 66.7 (15.2) 51.5

– amounts transferred from available-for-sale reserve and recognised in profit during the period

(1.9) 0.4 (1.5)

Cash flow hedges:

– net losses recognised in cash flow hedge reserve during the period (435.8) 165.4 (270.4)

– amounts transferred from cash flow hedge reserve and recognised in profit during the period

349.8 (135.5) 214.3

(21.2) 15.1 (6.1)

Items that will not be reclassified subsequently to profit or loss:

Retirement benefit remeasurements 4.5 (1.7) 2.8

4.5 (1.7) 2.8

Total other comprehensive (expense)/income (16.7) 13.4 (3.3)

Total comprehensive income/(expense) for the financial period 1,357.6 (294.9) 1,062.7*

For the 12 months to 31 December 2012

Gross of tax Tax Net of tax

£m £m £m

Profit for the financial year 690.5 (126.7) 563.8*

Other comprehensive income/(expense)

Items that may be reclassified subsequently to profit or loss:

Available-for-sale instruments:

– net gains recognised in available-for-sale reserve during the year 73.0 (17.8) 55.2

– amounts transferred from available-for-sale reserve and recognised in profit during the year

(2.2) 0.5 (1.7)

Cash flow hedges:

– net gains recognised in cash flow hedge reserve during the year (1,236.9) 647.1 (589.8)

– amounts transferred from cash flow hedge reserve and recognised in profit during the year

1,322.0 (692.5) 629.5

155.9 (62.7) 93.2

Items that will not be reclassified subsequently to profit or loss:

Retirement benefit remeasurements (87.2) 19.6 (67.6)

(87.2) 19.6 (67.6)

Total other comprehensive income/(expense) 68.7 (43.1) 25.6

Total comprehensive income/(expense) for the financial year 759.2 (169.8) 589.4*

* Of which £18.0m (2012: £14.1m) is attributable to the holders of the non-shareholders’ funds, as detailed in note 31.

Annual Report & Accounts 2014

67

Consolidated Balance Sheet

At 31 March At 31 DecemberNote 2014 2012

£m £m

Assets

Balances with the Bank of England 10 5,020.3 5,599.8

Cash at bank and in hand 12 2,503.2 4,129.2

Investment securities 11 1,074.7 2,049.9

Loans to customers 13 61,249.5 68,733.6

Fair value adjustments on portfolio hedging 13 308.8 493.8

Derivative financial instruments 35 (d) 4,616.2 5,720.2

Other assets 17 37.4 40.7

Retirement benefit assets 18 (b) 65.3 43.0

Property, plant and equipment 20 21.9 28.7

Intangible assets 21 42.7 47.3

Total assets 74,940.0 86,886.2

Liabilities

Amounts due to banks 22 3,119.2 4,794.9

Statutory Debt and HM Treasury loans 23 38,350.5 43,487.3

Derivative financial instruments 35 (d) 446.0 783.7

Debt securities in issue 24 25,886.0 31,620.1

Other liabilities 25 159.8 169.8

Current tax liabilities 183.4 64.1

Deferred tax liabilities 16 50.8 43.9

Retirement benefit obligations 18 (a) 20.3 70.5

Provisions 26 167.7 227.6

Capital instruments 27 215.3 359.2

Total liabilities 68,599.0 81,621.1

Equity

Issued capital and reserves attributable to equity holder of the parent:

– share capital 28 1.2 1.2

– reserves 29 1,313.2 1,319.3

– retained earnings * 4,830.0 3,766.0

Share capital and reserves 6,144.4 5,086.5

Non-shareholders’ funds * 31 196.6 178.6

Total equity 6,341.0 5,265.1

Total equity and liabilities 74,940.0 86,886.2

* Non-shareholders’ funds and retained earnings as at 31 December 2012 have been re-presented compared to the amounts presented in the 2012 Annual Report and Accounts, as detailed on page 68. The notes on pages 70 to 123 form an integral part of these Financial Statements.The Financial Statements on pages 65 to 123 were approved by the Board of Directors on 2 June 2014 and signed on its behalf by:

Richard Banks Richard PymChief Executive Officer Chairman

UK Asset Resolution Limited is registered in England and Wales under company number 07301961.

11Financial Brochures & ReportsClient: XeroxLloyds Bank Private Banking Profile Guides.


ADVENTUROUS PROFILEInvestor profile guide

Lloyds Bank Private Banking Limited Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2019697.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 122626. We are members of the

Financial Services Compensation Scheme and covered by the Financial Ombudsman Service. Your call may be monitored or recorded in case we need to check we have carried out your

instructions correctly and to help improve our quality of service. Information correct at January 2014.

Please go to lloydsbank.com/privatebanking or call us on 0845 366 2725




M58574 (01/14)

PROFILE REPORTInvestment Portfolio Service 01 July – 31 December 2014




M9002_1 (01/15)

IMPORTANT INFORMATION: Past performance is not a reliable guide to future performance.

The value of investments can fall as well as rise and you may not get back the full amount invested. Intro*: Date fund introduced to IPS.

HOW WILL MY INVESTMENTS BE MANAGED?

Should you choose this profile, we will work with our chosen investment specialist Scottish Widows Investment Partnership, part of the Aberdeen Asset Management Group, to select the investments and collective funds that will form your portfolio.

As well as familiar ‘single-manager’ funds we also use ‘multi-manager’ funds that can employ specialist fund managers on an institutional basis. This way, we can select fund managers from the widest possible range of expert managers to look after different elements of your investment portfolio.

These managers are all well-established, quality fund managers, each carefully chosen for their particular strengths. Some are household names, while others are less well-known but highly specialised and less accessible to individual investors.

We hold the selected investments and collective funds making up your overall portfolio in an income portfolio and a growth portfolio, which in turn are held in your Managed Account and potentially an ISA Account (for individuals only). We’ve designed this administration structure to increase the efficiency of managing your overall investment portfolio. The income and growth portfolios are set up as OEICs (open ended investment companies) administered on your behalf by Scottish Widows Investment Partnership.

THE ADVANTAGES

Collective funds investing in a variety of assets spread risk through

diversification and broaden your opportunities for returns.

Multiple investment strategies allow us to tailor your portfolio to the prevailing market conditions.

The freedom to choose between multiple fund managers means

we can aim to keep your portfolio performing to the best of its ability.

We believe long-term consistency and efficiency are key factors to investment success. By using the right blend of assets, managers, styles and markets at any one time, we can capitalise on the individual strengths of a number of fund managers for maximum consistency.

We use our expertise to manage your investments by working with our chosen investment specialists in deciding the mix of assets you will own through the selection of funds and by the ongoing monitoring of their suitability

So if market conditions change, or we identify alternative funds, assets or investment styles we think could provide better results, we can make changes to your portfolio. Similarly, if we are unhappy with performance in the multi-manager funds, then we can choose to change investment managers. Whatever happens, the strong performance of your investment remains our key aim.

Adventurous profile

4

HOW DOES THIS PROFILE FIT INTO THE INVESTMENT PORTFOLIO SERVICE?

Cautiousprofile

Cautious(higher yield)

profile

Balancedprofile

Balanced(higher yield)

profile

Dynamicprofile

Defensiveprofile

Discoveryprofile

Discovery(higher yield)

profile

Progressiveprofile

Adventurousprofile

2 – LOW RISK 4 – MEDIUM TO HIGH RISK 5 – HIGH RISK3 – MEDIUM RISK

This diagram shows our ‘neutral’ strategic asset allocation, which will be reviewed approximately once a year. ‘Neutral’ is the mid-point of the range that could be invested in each asset class on a tactical basis. The actual amounts invested will depend on a variety of factors including our investment policy, general market conditions and relative price movements and may vary from the neutral position at any time.

KEY Equities Property Bonds Alternatives

Index descriptionFTSE UK Gilts All Stocks IndexA broad based index covering UK gilts.

iBoxx £ non-gilt ex sov/sub-sov IndexAn index made up of investment grade, Sterling corporate bonds.

Composite High Yield Index comprising ML Euro Currency Original issue 5% Cap Index (for European High Yield) and CSFB High Yield Developed (£ hedged) Index (for US high yield) A high yield composite index containing European and US elements.

UK IPD Property IndexAn independent market index and portfolio benchmark for the UK commercial property industry.

FTSE EPRA/NAREIT Global Real Estate £ IndexA global commercial property index. A REIT is a publicly traded real estate company that owns, and in most cases, operates a range of income producing real estate.

FTSE All-Share IndexA wide-ranging index that covers over 98% of the UK equity market and is the aggregation of the FTSE 100, FTSE 250 and FTSE Small Cap indices.

S&P 500 IndexThis index is designed to offer broad coverage of the US equity market and is composed of 500 stocks.

FTSE Europe ex UK IndexA broad index covering European stocks.

MSCI Japan IndexAn index covering Japanese equities.

MSCI Asia Pacific ex Japan IndexAn index covering Asian Pacific equities excluding those from Japan.

MSCI Emerging Markets IndexAn index covering equities from emerging markets.

UK Clearing Bank Base RateThe published ‘base rates’ of the principal London clearing banks.

Dow Jones UBS Commodity Index £This is a broadly diversified index that allows investors to track commodity futures through a single, simple measure.

5

Adventurous profile

IPS NEUTRAL STRATEGIC ASSET ALLOCATION (SAA) POSITIONS

Source: Lloyds Bank Private Banking as at 31/12/14.

Defensive Cautious Cautious HY

Discovery Discovery HY

Balanced Balanced HY

Progressive Dynamic Adventurous

1% 2% 2% 2% 2% 2% 2% 2% 2% 1%

10% 9% 9% 7% 7% 6% 6% 6% 6% 6%

2% 9% 9% 16% 16% 22% 22% 29% 35% 40%

4% 12% 12% 19% 19% 26% 26% 34% 40% 44%

73% 60% 60% 49% 49% 37% 37% 25% 16% 8%

8% 7% 7% 5% 5% 4% 4% 3% 2% 1%

3% 3% 3% 3% 3% 3% 3% 2% 1% 0%

KEY

Neutral Strategic Asset Allocation refers to the proportions in which we combine various different asset classes within client portfolios, based on our long-term outlook for the potential returns and potential riskiness of those returns for each of these asset classes, with a view to generating attractive medium to long-term risk adjusted portfolio performance.

Defensive Cautious Cautious HY Discovery

Discovery HY

Progressive Dynamic Adventurous

Balanced Balanced HY

ASSET ALLOCATION (KEY)

International Property UK Property International Equities UK Equities Bonds Absolute Return Cash or liquid assets

HY = High Yield

Investment Portfolio Service

3

The overall position of an overweight stance on equities and underweight in bonds was maintained during the second half of the year.

Within equities, we have favoured the US and Japan for most of the period, although following October’s change we also now have an overweight position in Europe. Our approach appears to have been justified as these markets have produced some of the strongest returns over the last six months. However, the asset class now looks expensive based on short-term valuation measures, leaving markets vulnerable to profit-taking. So, having performed well and with client portfolios having benefited from our asset allocation decisions over the year, we felt the prudent thing to do was to take some risk off the table and consider our next move in 2015.

Outside equities and bonds, one particular area of interest is UK commercial property where we are still recommending an overweight stance. As capital gains continue to outstrip rental growth, the yield on offer has declined and now sits below its long-run average. At this time, this is not a cause for concern. We are however about to begin our strategic (long-term) market reviews and will report our conclusions in the New Year.

TERMS EXPLAINED

Overweight

When a portfolio holds an excess amount of a particular asset

compared with the benchmark position. A fund manager would

expect the asset class in which he is overweight to perform favourably.

Tactical Asset Allocation

A term that refers to the adjustments we make to the mid-point benchmark strategic asset

allocation percentages to reflect an “overweight” view i.e. a percentage allocation that is higher than that in the strategic allocation based on a positive short-term outlook for that asset class. And vice versa, where

we make an adjustment to the mid-point benchmark strategic asset

allocation percentages to reflect an underweight view i.e. a percentage allocation that is lower than that in the strategic allocation based on a

cautious short-term outlook for that asset class.

Underweight

When a portfolio holds a reduced amount of a particular asset

compared with the benchmark position. A fund manager would

expect the asset class in which he is underweight to perform less well.

ASSET ALLOCATION

Short-term investment opportunities.

Investment Portfolio Service

4

12Folders & PackagingClient: XeroxLloyds Bank Leaflet Dispenser.


PLEASE TAKE ONE

Personal UK Internet Banking customers with an eligible account only. Our app requires device registration, Apple iOS 5.0 or Android 2.3 and above, and is unavailable on jailbroken/rooted devices. Registration required to receive payments using a mobile number. Terms and Conditions apply. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Lloyds Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

WHILE YOU’RE WAITING, WHY NOT PAY YOUR

FRIEND BACK THAT FIVER?

Personal UK Internet Banking customers with an eligible account only. Our app requires device registration, Apple iOS 5.0 or Android 2.3 and above, and is unavailable on jailbroken/rooted devices. Registration required to receive payments using a mobile number. Terms and Conditions apply. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Lloyds Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

PLEASE TAKE ONE

WHILE YOU’RE WAITING, WHY NOT

CHECK YOUR BALANCE?

Make the most of every minute with our new Mobile Banking app

MY TIME IS

PRECIOUSMake the most of every minute

with our new Mobile Banking app

MY TIME IS

PRECIOUS

Download our fast new app today.

Download our fast new app today.

M60331 (08/14)

M60331Size: 152w × 300h mm (when constructed)

ARTWORK PROOF

2


13Folders & PackagingClient: XeroxUKAR 6 page Leaflet with pockets.

Taking your future in hand.Helping you manage your Interest Only mortgage and plan for a more secure financial future.

Your home is not your castle, it’s your whole world. And we want to help you protect it.Our team have one thing on their minds – your mortgage.And they are here to do everything they can to make sure you have the right plans in place, so you can continue to afford your monthly payments and are in a position to pay off your mortgage on time.

Whatever your circumstances, our team of experts are on hand to help.

Call us on 0844 892 4436*

If you want to discuss your repayment strategy or the affordability of your mortgage:

Call 0844 892 4436*

(9am – 5.30pm Monday – Friday)

For general mortgage enquiries or to make a payment:

Call 0845 609 9610*

(8.30am – 6.00pm Monday – Friday)

Or visit our website anytime where you will find a wide range of information and helpful tools to help you move forward with your mortgage.

www.nram.co.uk

Give the team a call

* Calls may be monitored and recorded. 0844 & 0845 numbers may be charged at a higher rate than local and national calls and will vary between different providers. Check with your provider.

NRAM plc. Registered office: Croft Road, Crossflatts, Bingley, West Yorkshire, BD16 2UA. Registered in England and Wales (Company No. 3273685). Authorised and regulated by the Financial Conduct Authority. Reg. No. 106081.

NRAM plc is part of the UK Asset Resolution Limited group.

BNM2128 01/2015 www.nram.co.uk

The bills I need to pay at tention to.

The bills I’ve paid.

14Folders & PackagingClient: XeroxLloyds Bank Private Banking A4 folder with pocket.


A S S E T M A N A G E M E N T S E R V I C E

ASSET MANAGEMENT SERVICEA guide to our Investment Portfolio

and Portfolio Administration Services

Please go to lloydsbank.com/privatebanking or call us on 0845 366 2725

If you need to call us from abroad, by mobile or prefer not to use our 0845 number, you can also call us on 0207 649 9097.


If you have a hearing or speech impairment you can contact us using Text Relay or Textphone on 0845 300 2281 or 01733 347500 if you prefer not to use our 0845 number

(lines are open 24 hours a day, seven days a week).


Not all telephone services are available 24 hours a day, seven days a week. Please speak to your Private Banking and Advice Manager for more information.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Call costs may vary depending on your service provider.

M58563 (01/15)

15Interactive PDFsClient: XeroxLloyds Bank interactive PDF invites.


WISDOMINSIGHTS TO FEED YOUR ASPIRATIONS

E V E N T S P E A K E R S V E N U E S

Steve Statham

Richard Davis

Brandon Hall Hotel

Manufacturing Technology Centre

Tuesday 3 March 2015

Wednesday 4 March 2015

Business Development Manager, MTC

Head of Manufacturing team, Lloyds SME Banking, South West Area

Main St, Brandon, Warwickshire CV8 3FW

Anstey Park, Coventry CV7 9JV

7pm arrival for 8pm dinner

9am – 1pm

Find out more Find out more Find out more

INSPIREINNOVATIVE THINKING FOR YOUR BUSINESS

E V E N T S P E A K E R S V E N U E

Tim Hinton

Trevor Williams

Lloyds Banking Group Headquarters

Exclusive Manufacturing Dinner

Managing Director, Lloyds Bank Commercial Banking

Chief Economist

25 Gresham Street, 9th Floor, London EC2V 7HN

Tuesday 14 April 20156.00pm – 9.30pm

Find out more Find out more Find out more

Tuesday 3 March 19:00 – SEATED FOR DINNER AT BRANDON HALL HOTEL

19:30 – SHORT PRESENTATION BY THE LLOYDS TEAM

16:00 – DINNER

Wednesday 4 March 09:00 – WELCOME AND INTRODUCTIONS

09:20 – INTRODUCTION TO MTC

10:30 – TOUR OF WORKSHOP (including metrology, NDT, additive layer manufacturing, high integrity fabrication, automation, tooling/fixturing)

11:30 – DEMO OF THE VIRTUAL REALITY CAVE

12:00 – LUNCH + DEBRIEF

13:00 – DEPART

AGENDA SPEAKERS VENUES

The MTC represents a £40.5million publicly funded investment and has been developed in response to the Government’s manufacturing strategy, which sets out an ambitious new vision for high technology manufacturing. The MTC was created with the ultimate aim to raise the UK’s competitive advantage

by validating and implementing concepts emanating from inventive research. The centre provides a unique environment bringing the country’s leading academics, engineers and industry professionals under one roof to develop and demonstrate new technologies on an industrial scale.

Steve Statham Primarily responsible for growing the membership base at the MTC and identifying project opportunities with industries of all sizes. The MTC provides a unique environment bringing the country’s leading academics, engineers and industry professionals together to develop and demonstrate new technologies on an industrial scale. The MTC specialises in a range of manufacturing technologies and processes that are particularly important to the high value manufacturing sector: Intelligent Automation, Advanced Tooling and Fixturing, Electronics Manufacturing, High Integrity Fabrication, Manufacturing Simulation and Informatics, Metrology and NDT and Net Shape and Additive Manufacturing.

Richard Davis Heads a team of specialist Relationship Managers and Directors across the South West who support our Manufacturing client.To support the needs of the manufacturing sector, our Relationship Managers are trained to have:

Please join us

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Telephone: 020 7626 1500. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

M60265 330 (01/15)

First venue: Brandon Hall Hotel, Main St, Brandon, Warwickshire CV8 3FW

Click map for further directions.

Second venue: Manufacturing Technology Centre, Anstey Park, Coventry CV7 9JVClick map for further directions.

RSVP

Exit

Tim Hinton, Managing Director, Lloyds Bank Commercial Banking, would be delighted if you could join him for an exclusive manufacturing dinner to be held at the Lloyds Banking Group Headquarters. To help us shape a broader strategic approach in support of the manufacturing sector we will be joined by key industry leaders and figure heads to spark a lively and interesting debate around current thinking and future trends in UK manufacturing.

Highlighting the evening will be Trevor Williams, Chief Economist who will share an insight in to the economic conditions that have an impact on the manufacturing sector. Please RSVP via the link to the right to confirm whether you will be attending. Please also advise us of any dietary or mobility requirements.

Please join us

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Telephone: 020 7626 1500. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

SPEAKER

Trevor Williams Chief EconomistTrevor joined Lloyds Bank from the UK Civil Service where he worked as an economist, a position he was offered while studying for a PhD. He has both a

BA (Hons) and a Masters degree in Economics. Trevor is a Visiting Professor, Banking and Finance, at Derby University.He is Chief Economist for Lloyds Bank Commercial Banking, heading the research team that supports the Bank’s trading and sales activities. He regularly writes articles for publications and appears in the financial press and on television. Trevor is a member of the Institute for Economic Affairs Shadow Monetary Policy Committee. This shadow MPC was set up two years after the main MPC began in 1997.

18:00ARRIVAL AND DRINKS RECEPTION

18:30 WELCOME FROM TIM HINTON

18:45 INTRODUCTIONS AROUND THE TABLE

19:00 DINNER IS SERVED FOLLOWED BY GROUP DISCUSSIONS

21:30 CONCLUSION AND CLOSE

Dress Code: Business Attire

ITINERARY

M60265_335 (01/15)

Click on map for further directions

MAP

RSVP

Exit


16Notification & Product SheetsClient: XeroxVarious product sheets.

My VodafoneWe’ve made it super easy for you to keep track of your usage.

Just download the My Vodafone app or check online at vodafone.co.uk/myvodafone and we’ll show you how much data you’ve got left.

Handy contacts44555* Keep tabs on your data use. Or download

the My Vodafone app to make it even easier.

vodafone.co.uk/techteam Whatever help or support you need with your device, our Tech Team are here to help.

forum.vodafone.co.uk Support from the Vodafone community. Chat, discover and share ideas.

@vodafoneUKhelp Tweet us if you get a problem. 8am–8pm, 7 days a week.

Still got a question? Why not live webchat with our team of experts for free, 24/7, at vodafone.co.uk/contactus or via the Support section on the My Vodafone app.

Or call us on 191, from your Vodafone mobile (0333 3040191 from a landline or another mobile, calls are charged at your standard network rate).

*From a Vodafone mobile4GMBBNC/0814

Getting startedWe want to make sure you get the most out of being with Vodafone. So here are a few things we thought you’d like to know.

Contents Cover

Renewing your cover

Great service. Comprehensive cover. And value for money.

Key featuresServices include:

• Cash Management – view statement/balance reports and intraday payment advices.

• Payments – full payment functionality including Bacs, Multiple Bacs, CHAPS, Inter Account Transfers, Faster Payments, SEPA Credit Transfers and International Payments.

• TravelLink – ability to order foreign/Sterling currency and Travellers Cheques for delivery direct to customers’ premises.

• Set specific user access and permissions for accounts, under dual authorisation, on a real time basis.

• Comprehensive audit reports available to the system administrator for all user actions undertaken.

• Email alerts to the payment authorisers.

• Email alerts of rejected payments.

• Up to one year’s statement information available to view and download.

LloydsLink online is a secure and straightforward electronic banking system which works on challenge-response security technology, so you can use the portal from any PC with Internet access anywhere in the world.

It provides 24/7 access to a suite of services including reconciliation tasks and payments processes – helping you manage your business needs and remove complexity from day-to-day banking.

Cash managementLloydsLink online gives you an overview of all of the registered accounts in your domain – whether Lloyds Bank or other third-party bank accounts. By 7.30am each day, you will have visibility of the payable and receivable flows that were booked on your account(s) the previous day or will be booked in the day ahead.

During the day, the system will update to reflect any credit or debit transactions on the accounts – including intraday updates of Faster Payments, CHAPS and International Payments. This will provide you with a ‘real-time’ view of your account positions, a powerful tool to enhance your working capital requirements.

Secure online banking with worldwide access

LLOYDSLINK ONLINE

DEFENSIVE PROFILELloyds Bank Private Banking’s approachInvesting in financial markets can be an excellent way to achieve long-term growth and can potentially offer higher returns relative to more orthodox and passive savings strategies such as cash deposits. Nothing is ever certain though.

By choosing what Lloyds Bank Private Banking considers as a suitable blend of assets, strategies and managers at any one time, they aim to provide more effective diversification and reduce the portfolio’s reliance on a single investment.

Multi-asset investment approachThe aim is to achieve a level of portfolio diversification through investing in a combination of asset classes including bonds, property, equities and commodities. This reduces exposure to any single asset class, thereby providing you with the potential for better risk-adjusted returns.

Single and Multi-Manager investment approachPortfolio risk is spread across different fund managers and investment strategies to enhance the potential for steady and sustainable risk-adjusted growth. We employ a range of high quality fund managers covering a broad mix of investment styles, with the aim of creating investment portfolios that can potentially deliver steady risk-adjusted returns across a wide range of economic and market conditions.

The value of an investment is not guaranteed and can go up and down depending on investment performance and currency movements where a fund invests overseas.

Please contact your Private Banking and Advice Manager for further information on fund aims and risks.

Target allocation to fund strategies and sample of some of the current underlying fund managers are as follows:

Fund strategy Cash or liquid asset Fixed Income UK Property International Property UK Equities International Equities ex-UK Absolute Return Strategies

Source: Lloyds Bank Private Banking 12 December 2014Note: This is only an indicative depiction of the strategic asset allocation relating to a typical Defensive profile; it is intended for illustrative purposes only. It may be subject to change depending on market conditions and at the discretion of the manager.

Interest rates for current and deposit accounts.

Business Account AER%

£1+ 0

Schools Account AER% Gross%

£1+ 0.10 0.10

Business Instant Access AER% Gross% Net%

Interest paid monthly

£1,000,000+ 0.05 0.05 0.04

£250,000+ 0.05 0.05 0.04

£100,000+ 0.05 0.05 0.04

£50,000+ 0.05 0.05 0.04

£1+ 0.05 0.05 0.04

Business 30 Day Notice AER% Gross% Net%


£1,000,000+ 0.05 0.05 0.04

£250,000+ 0.05 0.05 0.04

£50,000+ 0.05 0.05 0.04

£10,000+ 0.05 0.05 0.04

£1+ 0.05 0.05 0.04

Clients’ Call Account AER% Gross% Net%

£1,000,000+ 0.10 0.10 0.08

£250,000+ 0.10 0.10 0.08

£100,000+ 0.10 0.10 0.08

£50,000+ 0.10 0.10 0.08

£1+ 0.10 0.10 0.08

Designated Clients’ Call Account

AER% Gross% Net%

£100,000+ 0.10 0.10 0.08

£1+ 0.10 0.10 0.08

Rates only available to existing account holders.

Commercial Instant Reserve Account

AER% Gross% Net%


£1+ 0.50 0.50 0.40

Commercial Premium Deposit Account

AER% Gross% Net%


£1+ 0.50 0.50 0.40

Total Business Account 1 AER% Gross% Link to reference rate %

After 12 months from account opening

0.00 0.00 -1.00


First 12 months from account opening

0.75 0.75 0.25

Between 12 and 36 months from account opening

0.50 0.50 0.00


0.00 0.00 -0.75



0.00 0.00 -1.00

EXPLOREBE BETTER INFORMED WITH

OUR ONLINE WEALTH OF IDEAS

THE INVESTMENT PORTFOLIO SERVICEA discretionary portfolio management service – your portfolio can be held across two accounts: the Managed Account and the Select ISA Account. Part of your portfolio is

managed through this ISA Account if you are eligible to invest in an ISA.

This two portfolio structure allows valuable flexibility:

• The ability to make swift adjustments to your investments.

• Capital gains tax can be deferred within the Managed Account.

• Benefit from greater income tax efficiency with the Select ISA Account.

We use a wide range of investment strategies and fund manager techniques: from Multi-Manager and Single-Manager funds to highly cost-effective passive investment vehicles, such as Exchange Traded Funds (ETFs).

* Higher Yield profiles will hold investments through the IPS Higher Income Portfolio.

Investment Portfolio Service (IPS)

Managed Account Select ISA Account

Absolute Return

Single-Manager Funds

Cash Funds

Multi-Manager Funds

Fixed Income


Multi-Manager Funds

Gilts

Futures

UK Property


Overseas Property

Multi-Manager Funds

UK Equities


Multi-Manager Funds

Exchange Traded Funds

(ETFs)

Futures

Overseas Equities


Multi-Manager Funds

Exchange Traded Funds

(ETFs)

Futures

Cash or Liquid Assets

IPS Income Portfolio* IPS Growth Portfolio

ADVENTUROUS PROFILELloyds Bank Private Banking’s approachInvesting in financial markets can be an excellent way to achieve long-term growth and can potentially offer higher returns relative to more orthodox and passive savings strategies such as cash deposits. Nothing is ever certain though.

By choosing what Lloyds Bank Private Banking considers as a suitable blend of assets, strategies and managers at any one time, they aim to provide more effective diversification and reduce the portfolio’s reliance on a single investment.

Multi-asset investment approachThe aim is to achieve a level of portfolio diversification through investing in a combination of asset classes including bonds, property, equities and commodities. This reduces exposure to any single asset class, thereby providing you with the potential for better risk-adjusted returns.

Single and Multi-Manager investment approachPortfolio risk is spread across different fund managers and investment strategies to enhance the potential for steady and sustainable risk-adjusted growth. We employ a range of high quality fund managers covering a broad mix of investment styles, with the aim of creating investment portfolios that can potentially deliver steady risk-adjusted returns across a wide range of economic and market conditions.

The value of an investment is not guaranteed and can go up and down depending on investment performance and currency movements where a fund invests overseas.

Please contact your Private Banking and Advice Manager for further information on fund aims and risks.

Fund strategy Cash or liquid assets Fixed Income UK Property International Property UK Equities International Equities ex-UK Absolute Return Strategies

Source: Lloyds Bank Private Banking 12 December 2014Note: This is only an indicative depiction of the strategic asset allocation relating to a typical Adventurous profile; it is intended for illustrative purposes only. It may be subject to change depending on market conditions and at the discretion of the manager.

Target allocation to fund strategies and sample of some of the current underlying fund managers are as follows:

17Postcards & FlyersClient: VariousVarious promotional postcards and flyers.


18PostersClient: XeroxLloyds Bank and Bank of Scotland Posters.


19StationeryClient: Xerox & Private ClientsVarious A4 letters.


SBB/1214

To transfer a balance visit

or call 0800 028 0905

Lines are open 8am–10pm Monday–Friday and 8am–7pm Saturday and Sunday. Calls are free from a landline only. Calls may be monitored and recorded.

It’s easy to transfer a balance today

0% interest on

balance transfers (3% fee applies)

It all adds up

<field 6> <field 7> <field 9><field 10><field 11><field 12><field 13><field 14>

December 2014

Credit card ending: <last 4 digits of field 1>

Save money every month with our 0% interest balance transfer deal

Dear <field 6> <Field 9>,

Here’s another special offer to help save money on your interest payments with your Sainsbury’s Bank credit card. This 0% interest balance transfer offer means you’ll pay no interest for <field 30> on any balances you transfer before <field 32>.

Makes managing your finances easier

Why not take this chance to transfer balances from other credit and store cards? It could save you money in interest payments and also streamline any outstanding balances into one monthly repayment.

It’s simple to do

You can transfer a balance in minutes. Simply have your Sainsbury’s Bank credit card details handy and then go to <field 43> or call us on 0800 028 0905 quoting <field 34>.

Yours sincerely,

S Mckeggie Head of Cards

SBB/SBEA

quoting <field 34>

<field 43>

1. Decide how much you want to transfer.

2. Make sure you have all your credit card details handy.

3. Go online to <field 43> or call us on 0800 028 0905 quoting <field 34>.

It only takes a few minutes, and you could be saving for months.

Anthony Jenkinstrading as Hedonist Wines

+44 7899 998 [email protected]

www.hedonistwines.co.uk

1 Riddy Close, HauxtonCambridge CB22 5TD

VAT Number: 942 8173 11

<Mr A Personalised> <Sample House> <1 Sample Road> <Sample Town> <Sample County> <WX1 9YZ>

BARCODE

GET A QUOTE

LOAN

S

IF YOU NEED TO BORROW MORE, WE COULD HELP.

IT’S EXTRA EASY.

Customer reference: XXXXXXXXXXXXXXRef: XXXXXX Month Year

Dear <Mr Sample>

We hope your Halifax loan has helped you put your plans into action. But if those plans have changed <and you need to borrow more, there are two ways we could help. / , there are two ways you could borrow up to £xx,xxx more with us>.

It’s easy to borrow extraYou can choose to top up and extend your current loan, or take out a second separate one. When you apply, we’ll take you through a personalised quote comparing the two options to help you make the right decision. And confirm exactly how much you’d need to repay each month, along with your new rate of interest.

Money in your accountYou’ll get an instant decision, and if you apply online you could have the money in your Halifax bank account straightaway (transfers to other accounts could take up to five days).

Manage your loan onlineAs you’re registered for Online Banking, you’ll be able to view your outstanding balance, make overpayments and request repayment breaks online.

To get a quote and apply, go online, pop in branch or call 0845 123 8421.

Yours sincerely

Richard WashingtonDirector of Halifax Personal Loans

In branch

halifax.co.uk/loans

0845 123 8421 Lines open Monday to Friday 8am-8pm and Saturday 8am-6pm.

<Borrow between £1,000 – £25,000 / Borrow up to £X,XXX>

Two ways to borrow more

Manage your loan online.

One extra thingIf you’re applying for a loan to buy a car, visit halifax.co.uk/carloan for more information.

<Customer name> <Customer address> <Customer address> <Customer address> <Customer address>

<Date> 2015

Your Home Options Insurance DiscountDear <SALUTATION>

Thank you for taking out Lloyds Bank Home Options Insurance. As a Club Lloyds customer we’ve rewarded you with a 10% discount on your home insurance.

What this means

The price you have been given for your policy already includes the 10% discount, so there is no action you need to take to claim it.

For full details of the offer, please see the conditions overleaf.

As a reminder, here are some features of your Home Options Insurance policy:

• Same day payments into your Lloyds Bank current account when your claim is settled.

• Personal Claims Consultants for complex claims when we feel you would benefit from extra support.

• Alternative accommodation costs of up to 20% of the sum insured if your home becomes uninhabitable after an insured event.

If you have any questions about your home insurance, please call 0845 603 8368 lines are open 8am–6pm Monday to Friday and 9am–1pm Saturday.

Yours sincerely

Craig Thornton General Insurance Director

[policy number]

Club Lloyds offers

As a Club Lloyds customer, you can get exclusive access to offers on other eligible Lloyds Bank products.

To find out more:

Go to lloydsbank.com/club-lloyds

Call 0845 3 000 000Or call us on 01733 347007 if you prefer not to use our 0845 number.Lines are open 24 hours a day, seven days a week.

January 2015

<ACCOUNT_TITLE><ADD_1><ADD_2><ADD_3><ADD_4><ADD_5><POST_CODE>

<PRN: <PERSONAL_REF>

Lovell Park RoadLeeds

LS1 1NS

lloydsbank.com/[email protected]

(UK) 0845 606 0560 (Intl) +44 (0) 113 279 7518

Mon–Fri 8am–9.15pm Sat 9am–1pm

Important changes to your share dealing service from 25 February 2015.Dear <SALUTATION>

After a recent review of our share dealing products, we’re removing some charges and changing our Terms and Conditions. This letter gives you information about the changes and when they’ll come into effect. To make sure you understand what these are and how they’ll affect you, please take time to read it.

Changes to your Terms and Conditions.We have reviewed and simplified the Terms and Conditions to make them easier to understand and to take into account some regulatory changes.

The new Terms and Conditions will come into effect on 25 February 2015 and are available at lloydsbank.com/shares-terms

The changes, and how they affect you, are explained on the back of this letter.

Changes to charges.With effect from 25 February 2015 we’re no longer charging the probate valuation and distribution of assets fees, so in future executors will only need to pay charges for any trades or transfers of stock.

What this means for you.If you’re happy to accept these changes you don’t need to do anything. If you want to transfer to another provider you will need to contact them to arrange this. They will ask you to complete a transfer request form first and then contact us to arrange the transfer. There will be a charge for the transfer which is £10 per holding.

If you have any questions about these changes to Terms and Conditions or charges please visit lloydsbank.com/servicechanges or call us on 0845 606 0560.

Yours sincerely,

Damian StansfieldManaging Director

LB_SDLET (01/15)

January 2015



IWeb Share DealingLovell Park Road

LeedsLS1 1NS

www.iweb-sharedealing.co.ukcustomerservices@iwebsharedealing.co.uk

(UK) 0870 412 7060 (Intl) +44 (0) 113 239 1275



Changes to your Terms and ConditionsWe have reviewed and simplified the Terms and Conditions to make them easier to understand and to take into account some regulatory changes.

The new Terms and Conditions will come into effect on 25 February 2015 and are available at www.iweb-sharedealing.co.uk/termsandconditions


As a customer living outside the UK we’d like to remind you that your account is restricted to selling investments only –this means some clauses in the Terms and Conditions will not apply to you. Please pay special attention to clause 5.11–5.12 which is about the eligibility requirements.

Changes to chargesWith effect from 25 February 2015 we’re no longer charging the probate valuation and distribution of assets fees, so in future executors will only need to pay charges for any trades or transfers of stock.

What this means for youIf you’re happy to accept these changes you don’t need to do anything. If you want to transfer to another provider you will need to contact them to arrange this. They will ask you to complete a transfer request form first and then contact us to arrange the transfer. There will be a charge for the transfer which is £25 per holding capped at £125.

If you have any questions about these changes to Terms and Conditions or charges please visit www.iweb-sharedealing.co.uk/changes or call us on +44 (0) 113 239 1275.

Yours sincerely,

Andy Raby Head of Dealing and Customer Services

IWB_SDLET_OS (01/15)

January 2015



Lovell Park RoadLeeds

LS1 1NS

halifax.co.uk/[email protected]

(UK) 08457 225 525 (Intl) +44 (0)113 270 1154

Mon–Fri 8am–9.15pm Sat 9am–1pm



Changes to your Terms and ConditionsWe have reviewed and simplified the Terms and Conditions to make them easier to understand and to take into account some regulatory changes.

The new Terms and Conditions will come into effect on 25 February 2015 and are available at halifax.co.uk/sharedealing-terms


As a customer living outside the UK we’d like to remind you that your account is restricted to selling investments only – this means some clauses in the Terms and Conditions will not apply to you. Please pay special attention to clause 5.12–5.13 which is about the eligibility requirements.

Changes to chargesWith effect from 25 February 2015 we’re no longer charging the probate valuation and distribution of assets fees, so in future executors will only need to pay charges for any trades or transfers of stock.

What this means for youIf you’re happy to accept these changes you don’t need to do anything. If you want to transfer to another provider you will need to contact them to arrange this. They will ask you to complete a transfer request form first and then contact us to arrange the transfer. There will be a charge for the transfer which is £25 per holding capped at £125.

If you have any questions about these changes to Terms and Conditions or charges please visit halifax.co.uk/service-changes or call us on +44 (0)113 270 1154.

Yours sincerely,

Damian StansfieldManaging Director

HX_SDLET_OS (01/15)

Date:

Mr A B SampleSampletonSampleshireSampleABC 123

INVESTM

ENTS

INVESTM

ENT PORTFOLIO SERVICE

Your Investment Portfolio Service Profile Report.Dear < Name>

Your Investment Portfolio Service Profile Report is enclosed. This report offers an insight into market conditions during the period from 1 July to 31 December 2014 and the performance of some of the main funds in your Portfolio profile within that context.

I recommend reading this half-yearly report alongside your most recent Statement of Financial Affairs (SOFA). This will outline the composition of your portfolio and the performance resulting from it so you can understand the exact make-up and value of your own investments in your SOFA.

We also recommend reading the ‘Changes to the Asset Management Service and Select ISA terms and conditions’ section of the report. This section details and explains any recent changes we have made to the service we offer you and think you should be aware of. For example, there is a change to our correspondence address if you live in Scotland.

The other key change is in the Autumn Budget Statement, the Chancellor announced changes to the ISA Regulations. You may already be aware of these changes which mean that when an ISA holder dies, their spouse or civil partner will be able to inherit their ISA allowance, subject to certain limitations and restrictions. The additional ISA allowance can be claimed from 6 April 2015 where the ISA holder died on or after 3 December 2014. We will be amending our processes to reflect the new Regulations for when they come into effect and we will write to you to let you know about what this means for your ISA and any specific changes to our Select ISA terms and conditions later this year.

If your circumstances have changed or, if you have any questions on how we manage your portfolio, please contact your Private Banking and Advice Manager who can provide a full financial review and will be happy to explain your options to you.

Yours sincerely

Ashish Misra CFA Global Investment Strategist

20Terms and Conditions DocumentsClient: XeroxTSB and Bank of Scotland Terms and Conditions.


Deposit Accounts

Terms and ConditionsCommercial Call Account/ Commercial 30 Day Notice Account

TSB Bank plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH. Registered in Scotland no. SC95237.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes’ eligibility criteria not all TSB business customers will be covered by these schemes).

Issue date: May 2014

V62552 (05/14)

Please contact us if you’d like this in braille, large print or on audio tape.www.tsbbusiness.co.uk

Commercial BankingONLINE INVESTMENTS

Bank of Scotland Online Investments Service Terms and Conditions

The Bank of Scotland Online Investments Service is operated by Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

1/4520897-6 (01/15)

Page 2 of 6

Your Commercial Call Account and Commercial 30 Day Notice Account terms and conditions (accounts no longer open to new business).1. Your Account 1.1 Unless otherwise stated, these Terms and Conditions apply to your Commercial Call

Account(s) and the Commercial 30 Day Notice Account(s) (“Account”) and to these accounts only. This document together with your application forms your agreement with us in relation to the Account (“Agreement”).

1.2 This Agreement replaces any terms and conditions or other agreements that may have applied to your Account. In the event of any overlap and/or inconsistencies between these terms and conditions and any other terms and conditions relating to any of our other products and services, the terms and conditions relating to such other products and services will take precedence in respect of those products and services.

1.3 Your account will be with TSB Bank plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland number SC095237.

1.4 Subject to any legal or regulatory requirements which may apply to your Account you authorise us to act upon any instruction, agreement or arrangement that is in accordance with “Your Authority to operate accounts” (“the Authority”) without our enquiring about the purpose, the payee, the disposition of the payment proceeds or the circumstances in which any of your instructions are given. Therefore if any one authorised signatory is authorised to operate any of your accounts, that person will be able, for example, to withdraw any money in any of your accounts (which may be without the knowledge of the (other) authorised signatories).

1.5 You acknowledge that any individual (whether or not listed in your application or Authority) can access your Account if they pass our standard customer verification procedure on any of your accounts or if they already have an established relationship with you which is recorded on our records. Our standard customer verification procedure can be passed by anyone who has access to your bank statements and banking information. It is therefore important that you keep your bank statements and banking information in a secure place and do not disclose them to anyone whom you do not want to have access to your Account.

1.6 You may cancel or amend your Authority by writing to us at TSB Bank plc, Business Banking, PO Box 1000, BX4 7SB or by completing and signing the form that we provide for that purpose and sending it to us at TSB Bank plc, Business Banking, PO Box 1000, BX4 7SB.

1.7 If we agree to fix any condition for a certain time we will not change it during that time.

1.8 We reserve the right to decline to open an account.

1.9 There is no requirement for you to open or maintain a current account with us in order to operate your Account, but you must not use your Account as a Trading Account without the permission of your relationship manager.

1.10 If the Account is used for Trading Turnover, we:

• will charge the Business for those transactions by applying the Business Extra tariff in accordance with the scale of charges provided and as varied from time to time in accordance with clause 14. For full information on the Business Extra tariff of charges and interest rates please consult our website at www.tsbbusiness.co.uk or contact your relationship manager.

• reserve the right to give you two months’ notice to close the Account returning any funds to you.

2. Liability2.1 General

2.1.1 You must notify us by telephone or in writing as soon as possible after you become aware of any incorrectly executed transaction or any unauthorised transaction on your Account. You can do so by contacting us on the telephone number or at the address given in the Need to Know brochure as updated from time to time.

2.1.2 You will be liable for all unauthorised transactions on your Account if you have acted fraudulently.

2.1.3 When giving us payment instructions (other than by cheque) you must provide us with the payee bank’s Faster Payments Service enabled sort code and account number, or where applicable, their BIC and IBAN and, if required, full name and address, and the payee bank’s SWIFT address or National Clearing Code for your payment instructions to be properly executed. If you fail to provide the correct details we will not be liable should a transaction not be capable of being properly executed although we will, where relevant use all reasonable efforts to recover your payment. We reserve the right to charge you a fee to cover our reasonable costs for so doing.

2.1.4 We will not be liable for:

• any losses not directly associated with the incident that may cause you to claim against us whether or not such losses were reasonably foreseeable; nor

• any loss of profits, loss of business, loss of goodwill or any form of special damages; nor

• any losses associated directly or indirectly with our failing to make a payment because you have not provided us with the required or correct details.

2.1.5 You are responsible for ensuring that cheques issued by you are correctly and legibly completed and signed.

2.2 Micro-enterprises

The provisions of this clause 2.2 shall apply if you are a Micro-enterprise.

2.2.1 If we fail to execute (other than in situations where you have not provided us with all of the required information), or incorrectly execute a payment transaction or a cheque payment on your Account, we will refund the amount of the transaction or the payment to your Account unless the payment was received by the payee’s bank. We will also refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we executed the transaction correctly.

2.2.2 Where you have told us that there has been an unauthorised transaction or an unauthorised cheque payment on your Account, we will refund to your Account the amount of the transaction or payment and any interest and charges directly incurred on the Account as a result of the transaction or payment if the payment was in fact unauthorised. Beyond this we will have no further liability for an unauthorised transaction.

2.2.3 Where a payment instruction is initiated by a payee (e.g. a direct debit):

(a) and you are the payee, our responsibility is limited to correctly transmitting the payment order to the payer’s bank. If we have incorrectly transmitted the payment instruction to the payer’s bank, you may request that we make immediate efforts to trace the payment transaction and notify you of the outcome;

(b) and you are the payer, we are only responsible to you for a failure to execute the payment transaction or for incorrectly executing the payment transaction if the payment order has been correctly transmitted to us.

2.3 Non-Micro-enterprises

Clause 2.2 shall not apply if you are not a Micro-enterprise. Instead this clause 2.3 shall apply, and the Payment Services Regulations 2009 shall apply only insofar as they are provided for herein.

2.3.1 If we fail to execute (other than in situations where you have not provided us with all of the required information), or incorrectly execute a payment transaction on your Account, we shall be liable to you for any reasonable losses incurred by you but only if they arise directly from our breach of this Agreement or our negligence, and if in the ordinary course of events and with the knowledge we had, we might reasonably have expected such loss to result directly from such breach or negligence. Our liability pursuant to this clause 2.3.1 shall be limited:

(i) to the amount (if any) necessary to reimburse you as required by law in respect of the transaction pursuant to which our breach or negligence occurred; and

(ii) to the amount of any interest and charges directly incurred by you on the Account that would not have been incurred otherwise.

Beyond this we shall have no further liability to you for a failure to execute properly or a failure to execute at all for any reason.

2.3.2 Where you have told us that there has been an unauthorised transaction on your Account you will be liable for such transactions unless we are reasonably satisfied that the transaction was unauthorised. Subject to clause 2.3.1, if the transaction was unauthorised we will refund to your Account the amount of the transaction and any interest and charges directly incurred on the Account as a result of the transaction. Beyond this we will have no further liability to you for an unauthorised transaction.

2.3.3 We shall not be liable for the defective execution or payment of cheques unless we are negligent or in breach of contract. If you tell us that there has been an unauthorised cheque payment on your Account we will only be liable to you if we are reasonably satisfied that the cheque payment was not authorised by you. If we are liable to you under this clause 2.3.3 we will refund to you the amount of the payment, to the extent the payment has been wrongly paid away, and any charges or interest you paid as a result of it, and pay you any interest we would have paid you on that amount, but beyond this we will not have any further liability to you.

2.4 Nothing in this clause 2 excludes our liability for fraudulent misrepresentation by us, our employees or agents, our liability for death or personal injury caused by our negligence or the negligence of our employees or agents, or any other liability on our part which cannot be excluded by law.

3. Force Majeure and Sanctions3.1 Notwithstanding anything to the contrary in this Agreement, if we are prevented,

hindered, or delayed from or in performing any of our obligations under this Agreement due to abnormal and unforeseeable circumstances beyond our control (including any strike, lock-out, labour dispute, act of God, war, riot, civil commotion, malicious damage, compliance with a law or governmental order, rule, regulation or direction, accident, breakdown or other failure of equipment, software or communications network, fire, flood, or other circumstances affecting the supply of goods or services), then we shall not be liable to you or be obliged to perform our obligations under this Agreement to the extent that we are prevented, hindered or delayed in our performance by the abnormal and unforeseeable circumstances beyond our control.

3.2 We may be subject to sanctions and/or embargoes imposed by the international community including the UK, EU, UN and the USA. We may not accept instructions and may refuse to make any payment or take any action pursuant to an instruction if it would result, or in our reasonable opinion is likely to result, in a breach by us or any of our employees of any sanction or embargo whether or not imposed in the UK and we will not be liable for any loss, damage, cost or expense by reason aforesaid. We shall be permitted to disclose to the relevant authorities such information in relation to any instruction and/or payment as may be required.

Page 2 of 6

Your Commercial Call Account and Commercial 30 Day Notice Account terms and conditions (accounts no longer open to new business).1. Your Account 1.1 Unless otherwise stated, these Terms and Conditions apply to your Commercial Call

Account(s) and the Commercial 30 Day Notice Account(s) (“Account”) and to these accounts only. This document together with your application forms your agreement with us in relation to the Account (“Agreement”).

1.2 This Agreement replaces any terms and conditions or other agreements that may have applied to your Account. In the event of any overlap and/or inconsistencies between these terms and conditions and any other terms and conditions relating to any of our other products and services, the terms and conditions relating to such other products and services will take precedence in respect of those products and services.

1.3 Your account will be with TSB Bank plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland number SC095237.

1.4 Subject to any legal or regulatory requirements which may apply to your Account you authorise us to act upon any instruction, agreement or arrangement that is in accordance with “Your Authority to operate accounts” (“the Authority”) without our enquiring about the purpose, the payee, the disposition of the payment proceeds or the circumstances in which any of your instructions are given. Therefore if any one authorised signatory is authorised to operate any of your accounts, that person will be able, for example, to withdraw any money in any of your accounts (which may be without the knowledge of the (other) authorised signatories).

1.5 You acknowledge that any individual (whether or not listed in your application or Authority) can access your Account if they pass our standard customer verification procedure on any of your accounts or if they already have an established relationship with you which is recorded on our records. Our standard customer verification procedure can be passed by anyone who has access to your bank statements and banking information. It is therefore important that you keep your bank statements and banking information in a secure place and do not disclose them to anyone whom you do not want to have access to your Account.

1.6 You may cancel or amend your Authority by writing to us at TSB Bank plc, Business Banking, PO Box 1000, BX4 7SB or by completing and signing the form that we provide for that purpose and sending it to us at TSB Bank plc, Business Banking, PO Box 1000, BX4 7SB.

1.7 If we agree to fix any condition for a certain time we will not change it during that time.

1.8 We reserve the right to decline to open an account.

1.9 There is no requirement for you to open or maintain a current account with us in order to operate your Account, but you must not use your Account as a Trading Account without the permission of your relationship manager.

1.10 If the Account is used for Trading Turnover, we:

• will charge the Business for those transactions by applying the Business Extra tariff in accordance with the scale of charges provided and as varied from time to time in accordance with clause 14. For full information on the Business Extra tariff of charges and interest rates please consult our website at www.tsbbusiness.co.uk or contact your relationship manager.

• reserve the right to give you two months’ notice to close the Account returning any funds to you.

2. Liability2.1 General

2.1.1 You must notify us by telephone or in writing as soon as possible after you become aware of any incorrectly executed transaction or any unauthorised transaction on your Account. You can do so by contacting us on the telephone number or at the address given in the Need to Know brochure as updated from time to time.

2.1.2 You will be liable for all unauthorised transactions on your Account if you have acted fraudulently.

2.1.3 When giving us payment instructions (other than by cheque) you must provide us with the payee bank’s Faster Payments Service enabled sort code and account number, or where applicable, their BIC and IBAN and, if required, full name and address, and the payee bank’s SWIFT address or National Clearing Code for your payment instructions to be properly executed. If you fail to provide the correct details we will not be liable should a transaction not be capable of being properly executed although we will, where relevant use all reasonable efforts to recover your payment. We reserve the right to charge you a fee to cover our reasonable costs for so doing.

2.1.4 We will not be liable for:

• any losses not directly associated with the incident that may cause you to claim against us whether or not such losses were reasonably foreseeable; nor

• any loss of profits, loss of business, loss of goodwill or any form of special damages; nor

• any losses associated directly or indirectly with our failing to make a payment because you have not provided us with the required or correct details.

2.1.5 You are responsible for ensuring that cheques issued by you are correctly and legibly completed and signed.

2.2 Micro-enterprises

The provisions of this clause 2.2 shall apply if you are a Micro-enterprise.

2.2.1 If we fail to execute (other than in situations where you have not provided us with all of the required information), or incorrectly execute a payment transaction or a cheque payment on your Account, we will refund the amount of the transaction or the payment to your Account unless the payment was received by the payee’s bank. We will also refund to you any interest and charges directly incurred by you on your Account that would not have been incurred had we executed the transaction correctly.

2.2.2 Where you have told us that there has been an unauthorised transaction or an unauthorised cheque payment on your Account, we will refund to your Account the amount of the transaction or payment and any interest and charges directly incurred on the Account as a result of the transaction or payment if the payment was in fact unauthorised. Beyond this we will have no further liability for an unauthorised transaction.

2.2.3 Where a payment instruction is initiated by a payee (e.g. a direct debit):

(a) and you are the payee, our responsibility is limited to correctly transmitting the payment order to the payer’s bank. If we have incorrectly transmitted the payment instruction to the payer’s bank, you may request that we make immediate efforts to trace the payment transaction and notify you of the outcome;

(b) and you are the payer, we are only responsible to you for a failure to execute the payment transaction or for incorrectly executing the payment transaction if the payment order has been correctly transmitted to us.

2.3 Non-Micro-enterprises

Clause 2.2 shall not apply if you are not a Micro-enterprise. Instead this clause 2.3 shall apply, and the Payment Services Regulations 2009 shall apply only insofar as they are provided for herein.

2.3.1 If we fail to execute (other than in situations where you have not provided us with all of the required information), or incorrectly execute a payment transaction on your Account, we shall be liable to you for any reasonable losses incurred by you but only if they arise directly from our breach of this Agreement or our negligence, and if in the ordinary course of events and with the knowledge we had, we might reasonably have expected such loss to result directly from such breach or negligence. Our liability pursuant to this clause 2.3.1 shall be limited:

(i) to the amount (if any) necessary to reimburse you as required by law in respect of the transaction pursuant to which our breach or negligence occurred; and

(ii) to the amount of any interest and charges directly incurred by you on the Account that would not have been incurred otherwise.

Beyond this we shall have no further liability to you for a failure to execute properly or a failure to execute at all for any reason.

2.3.2 Where you have told us that there has been an unauthorised transaction on your Account you will be liable for such transactions unless we are reasonably satisfied that the transaction was unauthorised. Subject to clause 2.3.1, if the transaction was unauthorised we will refund to your Account the amount of the transaction and any interest and charges directly incurred on the Account as a result of the transaction. Beyond this we will have no further liability to you for an unauthorised transaction.

2.3.3 We shall not be liable for the defective execution or payment of cheques unless we are negligent or in breach of contract. If you tell us that there has been an unauthorised cheque payment on your Account we will only be liable to you if we are reasonably satisfied that the cheque payment was not authorised by you. If we are liable to you under this clause 2.3.3 we will refund to you the amount of the payment, to the extent the payment has been wrongly paid away, and any charges or interest you paid as a result of it, and pay you any interest we would have paid you on that amount, but beyond this we will not have any further liability to you.

2.4 Nothing in this clause 2 excludes our liability for fraudulent misrepresentation by us, our employees or agents, our liability for death or personal injury caused by our negligence or the negligence of our employees or agents, or any other liability on our part which cannot be excluded by law.

3. Force Majeure and Sanctions3.1 Notwithstanding anything to the contrary in this Agreement, if we are prevented,

hindered, or delayed from or in performing any of our obligations under this Agreement due to abnormal and unforeseeable circumstances beyond our control (including any strike, lock-out, labour dispute, act of God, war, riot, civil commotion, malicious damage, compliance with a law or governmental order, rule, regulation or direction, accident, breakdown or other failure of equipment, software or communications network, fire, flood, or other circumstances affecting the supply of goods or services), then we shall not be liable to you or be obliged to perform our obligations under this Agreement to the extent that we are prevented, hindered or delayed in our performance by the abnormal and unforeseeable circumstances beyond our control.

3.2 We may be subject to sanctions and/or embargoes imposed by the international community including the UK, EU, UN and the USA. We may not accept instructions and may refuse to make any payment or take any action pursuant to an instruction if it would result, or in our reasonable opinion is likely to result, in a breach by us or any of our employees of any sanction or embargo whether or not imposed in the UK and we will not be liable for any loss, damage, cost or expense by reason aforesaid. We shall be permitted to disclose to the relevant authorities such information in relation to any instruction and/or payment as may be required.

17. How we use your Personal Data.17.1 The Data Protection Act requires Lloyds Banking

Group companies to manage personal information in accordance with the Data Protection Principles. In particular, our Group of companies is required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require. All our employees are personally responsible for maintaining customer confidentiality. We provide training and education to all employees to remind them about their obligations. In addition, our policies and procedures are regularly audited and reviewed.

17.2 Your information will be held by Halifax Share Dealing Limited, which trades as Halifax, Bank of Scotland and Lloyds Bank, and which is part of Lloyds Banking Group.

17.3 More information on the Group can be found at www.lloydsbankinggroup.com

17.4 Your personal information will be held securely in Lloyds Banking Group systems so that we and any other companies in our Group that you have dealings with, either now or in the future, can manage your relationship with us. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways, including:

a in applications, emails and letters, during telephone calls and conversations in branch, when registering for services, in customer surveys, when you participate in competitions and promotions, through Lloyds Banking Group company websites, and during financial reviews and interviews;

b from analysis (for example, the amount frequency, location, origin, and recipient) of your payments and other transactions, and your use of services involving other Lloyds Banking Group companies and what they know from operating your account; and

c information Lloyds Banking Group companies receive from each other, from our business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.

We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements.

17.5 We may share the personal information we hold about you across Lloyds Banking Group for the following administrative activities:

a providing you with products and services and notifying you about either important changes or developments to the features and operation of those products and services;

b responding to your enquiries and complaints;

c administering offers, competitions, and promotions;

d undertaking financial reviews;

and also for the following data sharing activities:

e updating, consolidating, and improving the accuracy of our records;

f undertaking transactional analysis;

g arrears and debt recovery activities;

h testing new systems and checking upgrades to existing systems;

i crime detection, prevention, and prosecution;

j evaluating the effectiveness of marketing, and for market research and training;

k customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;

l assessing lending and insurance risks across Lloyds Banking Group;

m managing your relationship with Lloyds Banking Group companies.

17.6 By sharing this information it enables us, and other companies in Lloyds Banking Group, to better understand your needs and run your accounts in the efficient way that you expect. Your data may also be used for other purposes for which you give your specific permission, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

17.7 We will treat your personal information as private and confidential, but may share it with each other and disclose it outside Lloyds Banking Group if:

a allowed by this agreement;

b you consent;

c needed by our agents, advisers or others involved in running accounts and services for you or collecting what you owe Group companies;

d needed by subcontractors to help us manage your records;

e HM Revenue & Customs or other authorities require it;

f the law, regulatory bodies, or the public interest permits or requires it;

g required by us or others to investigate or prevent crime;

h needed by market research companies to assist us in providing better products and services for you;

i it is given to any other parties connected with your account (including guarantors); or

j required as part of our duty to protect your accounts, for example we are required to disclose your information to the UK Financial Services Compensation Scheme (FSCS).

17.8 We will always ensure your information remains safe and secure. If you send us email over the Internet, remember that it will be ‘unsecure’ and could be intercepted. If you do send us ‘unsecure’ email, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply.

17.9 The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.

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17.10 Lloyds Banking Group companies may in the future wish to sell, transfer or merge part or all of their business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it. If so, they may disclose your personal information to a potential buyer, transferee, or merger partner or seller and their advisers so long as they agree to keep it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, the buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this notice.

17.11 If you give personal information about someone else then you should not do so without their permission. Where information is provided by you about someone else, or someone discloses information about you, it may be added to any personal information that is already held by us and it will be used in the ways described in this privacy notice.

17.12 The Data Protection Act defines certain information as ‘sensitive’ (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences). If you apply to us for insurance, a pension, health insurance or life assurance, we may ask you for some ‘sensitive’ details. We will only use this information to provide the service you require and we will ask for your explicit consent. As a customer, there may be times when you give us sensitive information. We may share it with other parts of the group and our subcontractors to keep your records up to date.

17.13 All countries in the European Economic Area (EEA), which includes the UK, have similar standards of legal protection for your personal information. We may run your accounts and provide other services from centres outside the EEA (such as the USA and India) that do not have a similar standard of data protection laws to the UK. If so, we will require your personal information to be protected to at least UK standards. We may process payments through other financial institutions such as banks and the worldwide payments system operated by the SWIFT organisation if, for example, you make a CHAPS payment or a foreign payment. Those external organisations may process and store your personal information abroad and may have to disclose it to foreign authorities to help them in their fight against crime and terrorism. If these are based outside the EEA, your personal information may not be protected to standards similar to those in the UK.

17.14 Credit Reference Agencies (CRAs) collect and maintain information about consumers’ and businesses’ credit behaviour. This includes Electoral Register, fraud prevention, and credit information – including details of previous applications and the conduct of your accounts – and public information such as County Court Judgements, decrees, and bankruptcies.

17.15 The information that Lloyds Banking Group companies and other organisations provide to credit reference agencies about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and us to:

a help make decisions, for example when:

i checking details on applications for credit and credit-related or other facilities;

ii managing credit and credit-related accounts or facilities;

iii recovering debt;

iv checking details on proposals and claims for all types of insurance;

v checking details of job applicants and employees;

b detect and prevent crime, fraud and money laundering;

c check your credit history;

d verify your identity if you, or someone financially linked with you, applies for services;

e trace your whereabouts; and

f undertake research, statistical analysis and systems testing.

17.16 If a Lloyds Banking Group company needs to make a credit decision when you apply for a credit-based product or service (e.g. mortgage, personal loan, credit card, investment or current account) or to review the amount of credit it provides under an existing agreement, such as an overdraft, your records will be searched, along with those of anyone who is financially associated with you such as your spouse or partner. The CRA will keep a record of this search and place a “footprint” on your credit file, whether or not the application proceeds.

17.17 We may give details of your account and how you conduct it to credit reference agencies, including if you borrow and do not repay in full and on time. If you fall behind with your payments and a full payment or satisfactory proposals are not received within 28 days of a formal demand being issued, then a default notice may be recorded with the CRAs. Similar information may also be given about your other lending/credit relationships with members of the group. Any records shared with CRAs will remain on file for 6 years after your account is closed, whether it has been settled by you or as a result of a default. Other organisations may see these searches and updates if you apply for credit in the future, and these may affect your ability to borrow from other lenders.

17.18 If you tell us that you have a spouse or financial associate, a financial association will be created between your records, including any previous and subsequent names used by you. This means that your financial affairs may be treated as affecting each other. These links will remain on your and their files until such time as you or your partner is successful in applying for a disassociation with the CRAs to break that link. You must be sure that you have their agreement to disclose information about them. Searches may be made on an applicant, and search footprints will be left on that applicant’s record.

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Andrew Stallard Portfolio 2015

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Transcript of Andrew Stallard Portfolio 2015