Some words and expressions used in these Terms and Conditions have particular meanings as follows:

• Authorised User(s)/User (s) means any individual who has completed the online registration process by providing to the Bank their full name, a Business Group Code, a Password, Memorable Information, their business e-mail address and the user type for which they are to receive authorisation and who has been approved by the Business in the manner agreed between the Business and the Bank and who has been confirmed by you as one of the following types of user:

  Inputter: -is able to view information and account statements, input and amend instructions that have been referred back to them, but not check or release payment instructions. An Inputter is able to initiate and view electronic messages within the Secure Message Facility. Messages sent through the Secure Message Facility generated by this class of user will require checking and verification by a Checker before being submitted to the Bank.

  Checker: -is able to view information and account statements, check or refer payment and Secure Message instructions initiated by authorised Inputters. Once checked these become available to the Releaser.

  Releaser: -is able to view information and account statements, release or refer payment and Secure Message instructions once approved by an authorised checker. An individual can only be allocated one of the user types indicated above within the Service at any given time.

• Biometric information means physical human characteristics used to digitally identify a person to grant access to the Service, devices or data. For example fingerprint when using Touch ID.
• Business means the entity whose details are registered for the Service whether it is a limited company, limited partnership, limited liability partnership or an ordinary partnership.
• Business Group Code is a bank reference whereby the Bank groups all of the accounts of the Business which are required to be accessible through the Service.
• Correspondent Bank is a bank in one country that acts as an agent for a bank in another country e.g. in the transmission of funds.
• Country means each state or territory, or subdivision thereof, having a separate jurisdiction including for these purposes the Crown dependencies of Jersey, the Bailiwick of Guernsey and the Isle of Man.
• Electronic Message means a message sent electronically by an Authorised User using the electronic messaging tool within the service.
• Eligible/Your Account means all accounts whether in the name of the Business and/or its clients which are attached at any given time to the Business Group Code allocated to the Business.
• Exchange Rate is the rate at which one currency may be exchanged against another.
• Group account means collectively the accounts of the Business which are created and linked within our Globus information system to enable the Business to use the Service.
• Lloyds Banking Group, which includes us and a number of other companies using brands including Lloyds Bank International, Lloyds Bank, Halifax and Bank of Scotland, and their associated companies. More information on the Lloyds Banking Group can be found at www.lloydsbankinggroup.com. For these purposes "associated companies" includes Lloyds Banking Group plc and any subsidiary, affiliate or other firm directly or indirectly controlled from time to time by either Lloyds Banking Group plc or us.
• Memorable Information means the information selected by you and agreed between you and us for the Service that may be used to confirm your identity whenever you use the Service.
• Normal Banking Hours refers to the office hours of the Bank in London UK, which are 9am to 5pm GMT, Monday to Friday (excluding days that are not Working Days).
• Password means the secret word of at least eight characters using a combination of alpha and numeric characters agreed between you and us for the Service that is used to confirm your identity whenever you use the Service.
• Secure Message Facility enables you the User to send and receive secure electronic messages via the Service.
• Secure Messages are messages sent or received via the Secure Message Facility.
• Security Tokens means collectively and individually the Password, Memorable Information, additional payment verification answers and the User ID agreed between you and us that are used to identify Authorised Users whenever they use the Service.
• Service means the service provided by us that enables you, the Business, to use a computer or other device to access our online platform to obtain information and also to give us requests.
• Service Software means any software supplied to you whenever you access the Service and any other software we supply to you for this purpose from time to time.
• User Guidance means the guidelines we provide from time to time in connection with your operation of the Service. Such guidance may be issued (but not limited to):
  • in hard copy form (for example, in a user manual or by letter);
  • spoken guidelines (through any technical helpdesks which may be provided); and,
  • in any message sent to you through, or on any online help service available as part of the Service (including the Service Helptext).
• User ID means an alpha numeric user name, unique to each individual customer
• We/us/our/Bank refers to Lloyds Bank Corporate Markets plc.
• Website means www.lloydsbank.com/islands/commercial.html or any other URL we tell you about.
• Working day means any day except a Saturday, Sunday, or a public holiday or bank holiday in the Country in which your account(s) are held.
• You/your means the Business which becomes registered with us for the use of the Service.
• Your System means the electronic equipment used by you to access the Service.

By agreeing to these Terms and Conditions, you agree that the Service will be available to any Authorised User who is authorised by the Business in accordance with these Terms and Conditions on all eligible accounts in your name with us whether open now or opened in the future. The Service cannot be used on some types of accounts and we will advise you on request as to which accounts are eligible.

Unless specifically requested by you in writing to the contrary; all present and future accounts for the Business shall be automatically attached to the Business Group Code. This will include accounts both in the name of the Business and those in the names of its present and future clients. All such accounts will be immediately accessible to any Authorised Users through the Service. The Bank will supply you with a full list of all eligible accounts attached to the Business Group Code upon written request.

In order to use the Service, you must: 2.3.1. 2.3.2. 2.3.3.

User Guidance will be made available to you on the operation of the Service. This guidance will be within viewable screens within the Service. User Guidance will cover (among other things) the time when the Service is available, how to access and operate the Service, what you can and cannot do within the Service and the time it usually takes to carry out particular types of transaction using the Service. You must ensure that Authorised Users, follow all the relevant User Guidance whenever Authorised Users access and operate the Service.

We may inform you from time to time about changes to the way Authorised Users access or operate the Service; Authorised Users must comply with any such changes.

It is the responsibility of Service Administrators to revoke the User accounts of Authorised Users should they leave the employment of the Business.

You must ensure: 4.1.1. 4.1.2.

Before an Authorised User is able to access the Service they must complete the on-line part of the registration process following the guidance given on screen.

The Authorised User must enter their Password and Memorable Information whenever they seek to access the Service.

The Bank will agree a process with you whereby you confirm that an individual is suitable for the type of user status for which they apply in their online registration. The Bank will not allow theindividual to access the Service until such confirmation has been obtained from you.

We will ask you/Authorised Users to confirm your identity when you log on and before we can accept any instructions you give us through the Service. We may also rely on some of the security functions on the devices used to access the Service, such as location data and biometric tools. From time to time we may apply additional security checks to help confirm your/Authorised Users' identity.

In connection with an Authorised User`s Security Tokens: 4.6.1. 4.6.2. 4.6.3. 4.6.4. 4.6.5. 4.6.6. 4.6.7.

If the Business or an Authorised User becomes aware of any transaction on any account that has not been validly authorised by an Authorised User, you must notify us immediately by telephoning us on the number advised in the User Guidance (or on any other number provided to you from time to time for this purpose). We will act upon telephone instructions from an Authorised User of the Business, which must later be confirmed in writing. The Business must check any bank statements we send within a reasonable time of receipt and notify us immediately of any errors.

Authorised Users must not allow anyone else to operate the Service on their behalf.

Authorised Users must not leave their System unattended while they are online to the Service.

Authorised Users must not access the Service from any computer connected to a local area network (LAN) without first making sure that no one else will be able to observe or copy their access or get access to the Service pretending to be them. The Business is responsible to ensure that this requirement is met within their organisation.

The Business and Authorised Users must comply with any other requirements designed to protect the security of the Service that are set out in the User Guidance or notified to the Business or to Authorised Users in any other way.

The Business is responsible for ensuring that all Authorised Users and their designation as a particular type of Authorised User remain valid. The Business agrees to immediately advise the Bank as soon as they become aware that an Authorised User is no longer valid or has a degree of service functionality no longer deemed appropriate. The Business agrees to respond promptly to any Bank requests, in any form, requiring confirmation or validation of Authorised Users and or their levels of functionality within the Service.

You agree that the use of the Security Tokens is adequate to identify Authorised Users. We are entitled to act on all electronic requests given via the Service, without obtaining any further written or other confirmation from you and even if those requests are not actually given or authorised by an Authorised User.

You will not be responsible, nor have any liability, for any request that is not authorised by you but is given using an Authorised User`s Security Tokens if: 5.2.1. 5.2.2.

If an Authorised User`s Security Tokens are used to give unauthorised requests purporting to come from such Authorised User, and you or they have given us notification that their Security Tokens are known or might be known to someone else in accordance with Clause 4.6.5, then your liability will be limited to the first £50 of any resultant loss unless: 5.3.1. 5.3.2.

You will be liable for instructions given using Authorised Users` Security Tokens in all other cases.

Authorised Users must not use the Service to create an unauthorised overdraft on any of your eligible accounts and we are entitled to refuse to accept a request that would do so. If an unauthorised overdraft is created, we may take any action we think fit and charge any interest and charges to the account in question (in line with the terms and conditions of that account). You agree that: 5.5.1. 5.5.2.

When we receive a payment request from you through the Service, we will be entitled to debit the payment plus any charges payable for the transaction from the account you have specified. Once you have given a request through the Service, you will not be able to reverse it. We will be under no obligation: 5.6.1. 5.6.2. 5.6.3. 5.6.4.

and we will accept no responsibility for any delay in processing your request as a result.

However, if you do ask us to reverse a request after you have given it, we may in our absolute discretion try to do so to the extent that this is possible under any applicable rules and practices. You will be responsible for any costs incurred by us as a result and for any loss arising from foreign Exchange Rate movements where cross currency rates apply.

We may, when we believe we are justified in doing so: 5.8.1. 5.8.2. 5.8.3. 5.8.4. 5.8.5. 5.8.6.

If we come to believe that a request may not have been properly authorised by you, we will be entitled, after making reasonable efforts to check whether it was properly authorised, to refuse to act on that request and to take steps to reverse any action already taken on the basis of that request and we will not be responsible for any loss to you that results from such a refusal or reversal.

A transaction may not always be processed immediately upon a request for it being given. Time may be required for some requests to be processed and certain requests may only be processed during Normal Banking Hours even though the Service may be operational outside such hours. We will not be liable for any loss to you that results from any reasonable delay in processing requests.

You provide us with data, information, instructions and messages at your own risk. You will ensure that all data transmitted to us for or in connection with the Service is correct and complete. You must notify us immediately about any errors, discrepancies or omissions.

You must honour your settlement and other legal obligations with respect to requests, payments and transactions effected through the Service.

The Service will usually be available for use at the times given in the User Guidance or displayed on relevant screens within the Service or at other times notified to you

You accept, however, that routine maintenance requirements, excess demand on the systems and circumstances beyond our control may mean that it is not always possible for the Service to be available during the normal operating hours.

In connection with the Service, we are entitled at any time to: 6.3.1. 6.3.2.

If we decide to end the Service or withdraw facilities available through the Service, we will give you 30 days notice, or whatever shorter notice period may be reasonable in the circumstances.

Each time you access the Service, it may automatically provide Your System with the Service Software necessary to enable you to access and operate the Service. Alternatively the Service Software may be supplied to you in some other way. It is your responsibility to ensure that the Service Software that is supplied to you is compatible with any computer or other device from which you access the Service and any software on that computer or other device.

You must take all reasonable practicable measures to ensure that any computer or other device through which you access the Service is free of any computer virus and will not interrupt nor impair the operation of the Service and is adequately maintained in every way. The Service can be accessed through the Internet, a public system over which we have no control. You must therefore ensure that any computer or other device you use to access the Service is adequately protected against acquiring a virus.

We may use software and other technology to help us identify you and to detect viruses or suspicious software (malware) on the device you use to access the Service. If we detect these things we may suspend, restrict or block your access to the Service or the use of your security details and Security Tokens. If this happens, you may not be able to access some or all of our services again until you have removed the viruses or malware.

You must not and you must not allow an Authorised User to access the Service using any computer or other device which you do not own unless you or the Authorised User have first obtained the owner`s permission. If you or an Authorised User breaks this rule, you must compensate us for any loss we suffer as a result and we shall not be liable for any loss suffered by you as a result.

We shall not be responsible for: 7.5.1. 7.5.2.

If you or an Authorised User access the Service from a Country other than Jersey or the Bailiwick of Guernsey or the Isle of Man, you are responsible for complying with the local laws of that country, including obtaining any licence needed for the import of the Service Software (and in particular, the encryption software which it contains) into that Country.

We shall each be responsible for protecting our own computers and/or networks from being affected by viruses, worms, etc, and neither of us shall be liable to the other for any negligent introduction on its part of any virus, worms, etc into the computers and/or networks of the other.

If you become aware of any unauthorised use of the Service Software, you shall notify us immediately on the number provided in the User Guidance (or any other number provided to you from time to time for this purpose).

We shall be entitled (but not obliged) to rely on Electronic Messages as conclusive evidence of: 8.1.1. 8.1.2.

Both you and we are aware that the electronic transmission of information cannot be guaranteed to be secure or error-free and that such information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete or otherwise be adversely affected or unsafe to use. Each of us accepts the risk of the corruption, loss of or delay affecting any Electronic Message sent by it and except in the case of your or our own fraud, you or we respectively will not be liable to the other for any damage or loss caused to or suffered by the other for any such corruption, loss or delay. If an Electronic Message relates to a matter on which either of us wishes to rely, you or we (as the case may be) may (but shall not be obliged to) request a hard copy of such Electronic Message from the other.

The Service requires that all Electronic Messages are generated by an Authorised User with Inputter status and checked by Authorised Users both with a Checker and Releaser status.

You are responsible for ensuring all Authorised Users and any other person authorised to give instructions to us on your behalf comply with all requirements for sending Electronic Messages within the Service.

Subject to Clause 9.2 and 9.4, we are not liable for any loss or damage to you as a result of making the Service available to you, unless our negligence or our deliberate default directly causes the loss or damage. Examples of circumstances in which we will not be liable to you for loss or damage resulting to you through the use of the Service include (but are not limited to): 9.1.1. 9.1.2. 9.1.3. 9.1.4. 9.1.5. 9.1.6. 9.1.7. 9.1.8.

If we are liable for any loss or damage to you as a result of your use of the Service, we shall only be liable for loss or damage that, in the ordinary course of events, might reasonably be expected to result from the circumstances in question. We are not liable for any consequential or indirect loss or damage, nor any loss of profits, business, goodwill, revenue or anticipated savings or loss or corruption of data or any form of special damages whatsoever and howsoever arising and whether such liability was reasonably foreseeable or not and whether or not we have been advised of the possibility of such loss being incurred. This applies even when the loss or damage results from negligence or deliberate default on our part.

The Service has no facility for you to let us know that it is especially important to you that a transaction is carried out by a particular time. If you need to know whether or not a request has reached us and whether it will be carried out by a particular time, you must speak to a member of our staff at the branch at which Your Account is maintained.

Nothing in these Terms and Conditions excludes our liability for personal injury, death or any fraudulent misrepresentation.

Any and all additional limitations and/or exclusions of liability contained or referred to in the terms and conditions that apply (a) to the individual accounts you may be accessing through the Service and (b) to the transactions you can authorise on those accounts through the Service shall continue to apply to such accounts and transactions and shall not be prejudiced by these Terms and Conditions.

If you breach these Terms and Conditions you must compensate us on demand for any loss and for damage we suffer directly or indirectly as a result of your breaching any part of these Terms and Conditions.

You may terminate your right to use the Service at any time, by giving notice to us in writing or in any other way that we may specify to you from time to time for this purpose.

You may terminate the use of the Service entirely or with respect to a particular client within your Eligible Accounts. With respect to a specific client you acknowledge that termination of the use of the Service for such client number will result in all of that client`s accounts being excluded from the Service. You accept that it is not possible to exclude a client`s account and allow other accounts in the name of that same client to remain accessible within the Service. Termination requests must be received by the Bank in writing and signed in accordance with the governing account mandate for the Business. You acknowledge and accept that you will be bound by any properly initiated payments or Secure Messages issued through the Service in the time between the issue of your written termination request and the Bank implementing the termination within the Service.

We have the right to terminate or suspend your use of the Service at any time upon giving you at least 30 days notice. However, we may give you a shorter notice period or none at all if we consider it reasonable and necessary: for example, because of security concerns in connection with your use of the Service or because we are concerned that you have used or may use the Service to create an unauthorised overdraft or otherwise to operate any of Your Accounts in breach of your arrangements with us.

If your use of the Service comes to an end, for whatever reason, this will not affect any requests you or Authorised Users have already given via the Service if we in our absolute discretion, decide to complete or implement any such request, nor will it affect any accrued rights or liabilities of you or the Bank.

We retain the right: 12.1.1. 12.1.2.

To avoid any doubt, please note that the reference to fees and charges in this Clause 12 only applies to our charges for providing the Service. It does not apply to any charges other services we might provide in response to your requests via the Service; we will be happy to provide you with details of our charges for other services on request.

We have the right to change these Terms and Conditions at any time by giving you notice either in writing or via the Service. Your own rights to use the Service will not be affected by the change until the notice has been sent to you.

We will give you 30 days notice of any such change before it takes effect, except when it has to be shorter in order to protect the security of the Service or in other circumstances beyond our control in which case we will give you such period of notice as we consider reasonable in the circumstances. Once you have received a notice about any change in terms, we will treat your use of the Service after that as your acceptance of the change (but please remember, you have the right to end your use of the Service at any time).

If one or part of these Terms and Conditions proves to be legally invalid or unenforceable in any way, this will not affect the validity of the remaining terms in any way.

We believe the terms of these Terms and Conditions to be fair. If any one, or part of them proves to be not legally valid or enforceable because it is unfair or for any other reason, we are entitled to treat that term as changed in a way that makes it fair valid and enforceable.

If one of the terms is unenforceable against one of the customers agreeing to these Terms and Conditions, this will not in any way affect the enforceability of that term against the other customers agreeing to these Terms and Conditions.

If we relax any of the terms of these Terms and Conditions once, this may be just on a temporary basis or as a special case; it will not affect our right to enforce that term strictly again at any time.

You and Authorised Users can communicate with us by telephone on the number provided in the User Guidance within the Service (or any other numbers provided to you or the Authorised Users for this purpose).

Subject to clause 15.3 below, any requests required to be in writing should be sent to your Relationship Manager or to a postal address, email address or form for contacting us provided on our Website.

Any formal notice in connection with Clause 11.1 and 11.2 should also be confirmed to us by writing (in hard copy form) to us at Your Account holding branch (or any other address provided to you from time to time for this purpose). We will not act on a notice in connection with Clause 11.1 and 11.2 until we receive the written confirmation of such notice from you.

Any complaints in connection with the Service should also be directed to us at Your Account holding branch (or any other address provided to you from time to time for this purpose).

Although communications given via the Service are intended to be secure, electronic mail is not a completely reliable or secure method of communication and except for use of the Secure Message Facility you must not use it for sending us: 15.5.1. 15.5.2.

If we need to send you a notice, we will use the address you have given us most recently in connection with your bank accounts or, where deemed appropriate, we may send you a message through the Service. You undertake to read messages sent to you through the Service.

All electronic communications including but not limited to telephone messages, faxes, e-mails or Secure Messages, will be actioned by the Bank at the next available opportunity or the next available Working Day.

To protect both customers and staff to check we have carried out your instructions correctly, to access and improve the quality of the Service and to help resolve any disputes between you and us, you agree that: 16.1.1. 16.1.2. 16.1.3.

From time to time we may advertise our own products or services, and those of other companies in the Lloyds Banking Group, on the Internet website through which you access the Service or through the Service itself. If, in connection with other Lloyds Bank Corporate Markets plc agreements, you have asked us not to send you any marketing material (or if you do so in the future), you agree that this restriction will not apply to these electronic advertisements and consent to receiving them when accessing the Service.

The Lloyds Bank International website is protected by copyright and other intellectual property rights. You acknowledge that we and/or our third party suppliers retain all right, title and interest in and to the Lloyds Bank International website and that the use thereof does not confer any ownership rights on you.

We grant you a revocable, non-exclusive, non transferable, limited right to access, use and display the Lloyds Bank International website in accordance with these Terms and Conditions for the purpose of utilising the Service only.

We may change, suspend, terminate, restrict or discontinue the Lloyds Bank International website (or any part) or any services, information, features or functions accessible via the Lloyds Bank International website at any time without notice or liability.

You will not use or allow the use of the Lloyds Bank International website or the Service in contravention of any laws, regulations or rules of any regulatory authority to which you are subject.

These Terms and Conditions will be governed by the law of the Country (or Countries if more than one) in which the accounts that you access via the Service are held. All parties agree to submit to the jurisdiction of the courts in that Country in connection with any dispute. This does not affect our right to pursue our remedies in the courts of any other jurisdiction that is appropriate.

We will not be liable for any loss, damage, interruption, delay or non performance in connection with the Service provider by us caused in whole or in part by events which are beyond our reasonable control.

*Business data and personal data

"You/your" means Key Account Parties and Account Parties of the business. In this context "Key Account Parties" means individuals who are sole traders, partners, directors, company secretaries, member or beneficial owners, trustees or other controlling officials within the business. "Account Parties" means individuals (other than Key Account Parties) who have provided their personal information in connection with the products and services provided to the business by us.

"The business" means the business you are associated with and which is our customer, whether it is a company, limited liability partnership, partnership, sole trader, or other entity such as a special purpose vehicle, club, charity or trust.

CONTACTING US ABOUT DATA PRIVACY.

If you have any questions, or want more details about how we use your personal information, you can ask your usual bank contact, or Relationship Manager. Our full data privacy notice can be accessed here.

If you need this communication in another format, such as large print, Braille or audio CD, please contact us. If you have a hearing or speech impairment, you can use Relay UK.

If you are not satisfied with our response, you can contact our Group Data Protection Officer on 0345 602 1997 (+44 1733 347 007 from outside the UK).

These Terms and Conditions are for the benefit of us and the members of the Lloyds Bank group of companies, their successors and assigns. We may assign or transfer any of our rights, duties and obligations under these Terms and Conditions upon giving 30 days` written notice to you. We may delegate or sub-contract the performance of any obligations under these Terms and Conditions.

You agree that any of our logs or records of information placed on or of payment or transaction requests made via the Service may be admitted in evidence in any proceedings arising out of your use of the Service and that you will not challenge the admissibility thereof. Except in the case of manifest error, you agree that our logs and records relating to the Service and of any payments or transactions requested or executed through the Service shall stand as conclusive evidence of the same.

Lloyds Bank International is a trading name of Lloyds Bank Corporate Markets plc, Jersey Branch. Lloyds Bank Corporate Markets plc registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by Lloyds Bank Corporate Markets plc, Jersey Branch will be subject to the regulatory regime applicable in Jersey, which differs in some or all respects from that of the UK. Further information about Lloyds Bank Corporate Markets plc, Jersey Branch’s regulatory status is set out below.

The Jersey branch of Lloyds Bank Corporate Markets plc's principal place of business is 9 Broad Street, St Helier, Jersey, JE2 3RR and is licensed by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank Corporate Markets plc has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Jersey branch of Lloyds Bank Corporate Markets plc is not and is not required to be authorised under the Financial Services and Markets Act 2000 of the United Kingdom and therefore is not subject to the rules and regulations of the Financial Services Compensation Scheme made under that Act for the protection of depositors.

Lloyds Bank International is a trading name of Lloyds Bank Corporate Markets plc, Isle of Man Branch. Lloyds Bank Corporate Markets plc's registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by Lloyds Bank Corporate Markets plc, Isle of Man Branch will be subject to the regulatory regime applicable in Isle of Man, which differs in some or all respects from that of the UK. Further information about Lloyds Bank Corporate Markets plc, Isle of Man Branch’s regulatory status is set out below.

The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business Villiers House, 2 Victoria Street, Douglas, Isle of Man, IM1 2LN, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank Corporate Markets plc, Isle of Man Branch trading as Lloyds Bank International is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank International is a trading name of Lloyds Bank Corporate Markets plc, Guernsey Branch. Lloyds Bank Corporate Markets plc's registered Office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by Lloyds Bank Corporate Markets plc, Guernsey Branch will be subject to the regulatory regime applicable in Guernsey, which differs in some or all respects from that of the UK. Further information about Lloyds Bank Corporate Markets plc, Guernsey Branch’s regulatory status is set out below.

The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business 1 Smith Street, St Peter Port, Guernsey, GY1 2JN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from telephone: +44 (0) 1481 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

Deposits with the Guernsey branch of Lloyds Bank Corporate Markets plc will not be covered by any equivalent deposit compensation scheme to the Guernsey Banking Deposit Compensation Scheme in any other jurisdiction.

Rules and regulations made under the Financial Services and Markets Act 2000 for the protection of investors, including the Financial Services Compensation Scheme do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside the United Kingdom.

Lloyds Bank International Limited is acting as agent when providing this service to other members of Lloyds Banking Group. The terms and conditions for Online Products provided by other members of Lloyds Banking Group will continue to apply to you and any Users you may authorise to use the Service.

Lloyds Bank Corporate Markets plc, is a UK registered and regulated bank, it is a wholly owned subsidiary of Lloyds Banking Group plc. and a UK Non-ring-fenced Bank.

You have read and agree on behalf of the Business to be bound by these Terms and Conditions.

You acknowledge that we may need to contact you or the Authorised Users independently on the telephone to complete the registration process.

You acknowledge that you will be required to confirm to the Bank in writing the names and account numbers of all accounts you wish to be included in the initial Eligible Accounts accessible through the Service