LLOYDS TSB BANK PLC TERMS AND CONDITIONS OF USE:

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1 LLOYDS TSB BANK PLC TERMS AND CONDITIONS OF USE: PROVISION OF CHANGE SERVICE Introduction: These Terms and Conditions ("Conditions") are intended to be read in conjunction with Customers' Application Forms and, together with each such Application Form for a specific Customer, form a legally binding contract between that Customer and the Bank in relation to the Service. These Conditions operate in addition and are without prejudice to the terms and conditions and mandates applicable to accounts held with the Bank by any Customer receiving the Service. 1. Definitions and Interpretation 1.1 Definitions The following definitions shall apply in these Conditions: Account means any Business Banking or Corporate Banking account held with the Bank, which the Customer has selected from time to time and notified the Bank and from which amounts will be debited in respect of Change requirements relating to the Service; Accredited Supplier means any of the third party security carriers that the Bank has deemed as acceptable to carry out the delivery of Change requirements to Locations in accordance with the Service; Application Form means the application form the Customer has completed, signed and submitted to the Bank confirming its wish to receive the Service; Bank means Lloyds TSB Bank plc, having its registered and head office at 25 Gresham Street, London, EC2V 7HN Company Number 2065, and its successors and assignees. The Bank is authorised and regulated by the Financial Services Authority (FSA Registration Number ); Business Day means any day that is not a Saturday or Sunday or a bank holiday in the territory in which the Service is to be performed; Cash Centre means any cash centre operated by the Bank in Scotland; Change means amounts of sterling banknotes and/or coins to be delivered to the Customer's Locations in accordance with the Service; Conditions means these conditions of use as may be modified by the Bank from time to time; Customer means the sole trader, company, firm, limited liability partnership, unincorporated association or body (including, without limitation, a partnership or trust), which is already a Business Banking or Corporate Banking customer of the Bank, specified on the Application Form, and to whom the Service is provided by the Bank in accordance with such Application Form and Customers means all customers of the Bank receiving the Service; Effective Date means the date on which the Service commences pursuant to Clause 3.1; Locations means the Customer locations in Scotland that have been advised to the Bank and Accredited Supplier as being those at which the Customer wishes to receive the Service from time to time; Provision of Change is the service provided by the Bank, in conjunction with its Accredited Suppliers, to enable Service Change to be delivered directly to Customers' chosen locations in accordance with their requirements; Service means the elements of the Provision of Change Service that are provided by the Bank; and Unique Identifier means the code allocated by the Bank to Customers receiving the Service prior to commencement of the Service. 1.2 Interpretation: In these Conditions (unless the context otherwise requires): (i) a reference to a condition shall be to one of these Conditions; (ii) a reference to a clause shall be to a Clause of these Conditions; (iii) words denoting the singular number shall include the plural and vice versa; and (iv) headings are used for ease of reference only and do not form part of the construction or interpretation of these Conditions. LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 1 of 8

2 2. Conditions Relating to Provision of Change Service 2.1 Accredited Suppliers The Customer acknowledges that the delivery of Change to the Locations will not be undertaken by the Bank and will not form part of the Service The Customer acknowledges that it must enter into a separate contract with an Accredited Supplier in relation to the delivery of Change to the Locations in order for the Bank to be able to provide the Service The Bank will have no liability to the Customer or to any third party in respect of any loss, damage or claim howsoever arising in respect of the delivery of Change to the Locations, or otherwise arising out of the Customer's separate contract with the Accredited Supplier, including, without limitation, any loss, damage or claim that results from the negligence, delay or omission of the Accredited Supplier. 2.2 Description of the Service The Customer may: (i) prior to the Commencement Date, give standing instructions (as may be amended from time to time in accordance with these Conditions) to the Bank and to the Accredited Supplier, to allow it to receive fixed amounts of Change, to be delivered to Locations on fixed Business Days in each week or month ("Fixed Amount Change Orders"); and/or (ii) give instructions, at shorter notice, to the Bank and to the Accredited Supplier to vary the amount of Change to be delivered to Locations on those fixed Business Days in each week or month ("Variable Amount Change Orders") By submitting an instruction for the provision of Change, as referred to in Clause and in accordance with these Conditions, the Customer requests and authorises the Bank to act upon the instructions contained therein and irrevocably authorises the Bank to debit the relevant Account in accordance with those instructions. 2.3 Change orders Change orders can be delivered to Locations in any denomination of sterling banknotes or coins, in accordance with Clauses 2.3.2, and 2.3.4, below. All Change orders are subject to a maximum overall limit approved by Customer's Relationship Manager, which will not normally exceed 5,000 per Location per delivery (or such other amount as may be specified by the Bank from time to time) There is no minimum order for any denomination of sterling banknotes that can be made per Location, per delivery and these orders can be in any denominations. However, all Change orders will be subject to the maximum overall limit of banknotes that can be ordered per Location, per delivery, approved by Customers' Relationship Manager Coin must be ordered in either full single denomination bags or in full single denomination sachet bags. Details of the full coin bag and the sachet bag values for each coin denomination are shown in the table below. Coin denominations Full sachet value Full bag value p p p p p p Coin must be ordered in accordance with the overall limit approved by Customer's Relationship Manager, which will not normally exceed a maximum of 7 full denomination coin bags per Location per delivery if banknotes are included in the same order, or up to a maximum of 8 full denomination coin bags per Location per delivery if banknotes are not also included Customers wishing to instruct Variable Amount Change Orders must telephone, fax or their instructions to the relevant Cash Centre (that has been advised to them by the Bank), giving full details of the revised Change amounts to be provided in respect of a specified delivery date, no later than 10.00am on the Business Day two (2) Business Days prior to that specified delivery date. Variable Amount Change Orders that are not instructed in accordance with this Clause and Clause 2.3.8, below, will not be processed The relevant Account will be debited by the Bank in respect of Fixed Amount Change Orders and Variable Amount Change Orders on the Business Day on which the Change ordered is collected from the relevant Cash Centre by the Accredited Supplier, being the Business Day before the delivery of the Change order is made to the Location. LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 2 of 8

3 2.3.7 Customers wishing to amend the standing instructions for a Fixed Amount Change Order must contact the relevant Cash Centre (that has been advised to them by the Bank) giving full details of the changes to be made. Customers should allow 3 Business Days for the amendments to become effective When instructing a Variable Amount Change Order or amending a Fixed Amount Change Order, the Customer must comply fully with such security procedures as notified to it by the Accredited Supplier and/or the Bank from time to time and must quote their Unique Identifier reference number before the instructions or variations will be accepted If a Customer wishes to cancel a Change order it must do so by notifying the relevant Cash Centre (as advised by the Bank) no later than 12 noon on the Business Day that falls two (2) Business Days prior to the expected date of delivery of the Change order. For example, if delivery of a Change order is expected on a Friday, instructions for cancellation of that order must be received by the Cash Centre by 12 noon on the preceding Wednesday The Customer will receive a report detailing total amount of Change orders, and the service fees applicable in relation to those Change orders, no fewer than fourteen (14) days before the applicable service fees are deducted in accordance with Clause Refusal to Process Instructions The Bank may refuse to process any Change orders in accordance with the Service in the following circumstances: (i) where the Bank suspects, or has been made aware by the Customer, that the Payment Instruction is unauthorised, fraudulent or otherwise unlawful; (ii) where doing so might cause the Bank (or another company in the Lloyds Banking Group) to breach a legal requirement or might expose the Bank (or another company in the Lloyds Banking Group) to action from any government or regulator; (iii) where the Customer is the subject of a bankruptcy order or administration order or has entered into a voluntary arrangement with its creditors or where the Bank reasonably believe that any of these are likely to happen; (iv) where the relationship between the Customer and the Bank has irretrievably broken down (for example, the Customer or its staff have been threatening or abusive to Bank staff); (v) where there is a dispute (which the Bank reasonably believes to be genuine) about the ownership or entitlement to the money in the Account; (vi) where the payment seems unusual compared with the way the Customer normally uses its Account or the Service; (vii) where there are technical issues which prevent the Bank from executing the transaction; (viii) where circumstances beyond the Bank's reasonable control prevent it from offering a normal service (such as computer failure or industrial action). (ix) where the Change order is in contravention of these Conditions (including, without limitation to the foregoing generality, where any relevant security requirements advised to the Customer from time to time have not been complied with, where the Customer lacks sufficient funds in their Account, or where a Change order is in excess of the maximum overall limit applicable to that Customer) The Bank and/or any member of the Lloyds Banking Group may be subject to sanctions and/or embargos imposed by the international community including the UK, EU, UN and the USA. The Bank may not accept instructions and may refuse to make any payment or take any action pursuant to this Service if it would result, or in the Bank's reasonable opinion is likely to result, in a breach by it or any member of the Lloyds Banking Group or any of their respective employees of any sanction or embargo whether or not imposed in the UK and the Bank will not be liable for any loss, damage, cost or expense by reason aforesaid. The Bank shall be permitted to disclose to the relevant authorities such information in relation to any instruction and/or payment as may be required Provided it would not be unlawful for the Bank to tell the Customer why it has refused to provide the Service, the Bank will notify the Customer, either verbally or in writing when it has done this, within the designated maximum execution times for the Change Order to be processed set out in these Conditions The Customer can also contact the Bank to find out (unless the law prevents the Bank from telling the Customer) why it has refused to act and how the Customer can correct any factual errors that led to such refusal This Clause 2.4 shall be without prejudice to the provisions of Clauses and and any other terms or conditions in this regard that may be set by the Accredited Supplier. 2.5 Unauthorised and Incorrectly Delivered Change Orders and Discrepancies In the event that the Customer believes that: (a) funds have been debited from an Account as a result of a Change order being processed in connection with the Service without the Customer's authorisation; (b) funds have been debited from an Account in respect of a Change order that was instructed with due authority but the Change ordered has not been delivered to the correct Location; or LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 3 of 8

4 (c) there is a discrepancy between the amount of Change ordered and the amount delivered, resulting in an Account being debited with an amount of funds greater than the amount of Change received by the Customer, it must notify the Bank or Accredited Supplier without undue delay on becoming aware of any such unauthorised, incorrectly delivered or discrepant Change order arising and, in any event, no more than 13 months after the date on which funds relating to the Change order were debited from the relevant Account. The Bank shall have no liability in accordance with this Clause 2.5 in the event that the Customer fails to provide adequate notice in accordance with this Clause Following the giving of notification by the Customer in accordance with Clause 2.5.1, the Bank undertakes, subject to it making any investigations into the claim as may be reasonable and necessary (or procuring that the Accredited Supplier makes such investigations) and subject to Clauses and Clauses to below, to refund immediately to the relevant Account the amount of any payment relating to the Change order that should not have been debited from an Account (provided that the Customer is actually outstanding such amount as a result of the payment having been debited) and, where applicable, return the relevant Account to the position it would have been in had such fund not been debited (for example, by returning service fees levied for provision of the Service in respect of the unauthorised, incorrectly delivered or discrepant Change order, reversing any charges made on the Account that became payable as a result of the funds debited in respect of the unauthorised, incorrectly delivered or discrepant Change order reducing the balance, and retrospectively calculating interest on the Account as if funds had not been debited in respect of the unauthorised, incorrectly delivered or discrepant Change order) Without prejudice to the rest of this Clause 2.5, where the Customer has notified the Bank or Accredited Supplier that it believes that any Change order received is discrepant or has been incorrectly delivered, the Bank shall make, or shall procure that the Accredited Supplier shall make, immediate efforts to investigate the circumstances or trace the Change order and shall inform the Customer of the outcome of these efforts by telephone For the avoidance of doubt, any payment that the Bank may be required to make to the Customer in accordance with Clause shall be made without prejudice to any right or remedy that the Bank or the Customer may have to recover such amounts from the Accredited Supplier The Bank shall have no liability to the Customer in accordance with Clause if it can prove, following any reasonable and necessary investigation, that those Change orders referred to in Clause have not been incorrectly delivered or were not discrepant or have not been executed without the Customer's authorisation Provided that the Customer, or any of its employees or agents, have not acted fraudulently and subject to Clauses and 2.5.8, the Customer will not be liable for any losses arising after the date on which it has notified the Bank of any unauthorised, incorrectly delivered or discrepant Change order Subject to Clause 2.5.8, where any unauthorised, incorrectly delivered or discrepant Change order results from a failure by the Customer, or any of its employees or agents, to keep any personalised security features applicable to its receipt of the Provision of Change Service safe, it shall be liable for losses arising in respect of that unauthorised, incorrectly delivered or discrepant Change order up to a maximum of For the avoidance of doubt, the Bank shall have no liability to the Customer in respect of any incorrectly delivered or discrepant Change order due to an error on the part of the Customer, including where this has arisen due to a failure to comply with these Conditions, or in respect of any unauthorised Change order where the Customer, or any of its employees or agents or third party contractors (including the Accredited Supplier), has otherwise failed to comply with these Conditions, either deliberately or with gross negligence. In such circumstances, the Customer shall indemnify the Bank in respect of any loss, costs, claims, charges or expenses which it may have incurred or that may have been raised against it as a result of processing the unauthorised, incorrectly delivered or discrepant Change order In the event that there is a discrepancy between the amount of Change ordered and the amount delivered, resulting in an Account being debited with an amount of funds less than the amount of Change received by the Customer, then Customer must notify the Bank or Accredited Supplier without undue delay. Unless specifically agreed in writing with the Bank, such notification will constitute the Customer's authorisation to the Bank to debit the relevant Account with the amount of Change that has been overpaid For the avoidance of doubt, in the event of any discrepancy between the provisions of this Clause 2.5 and the terms of the Account, the terms of the Account shall prevail. 2.6 Change Orders - Miscellaneous The Customer must ensure that at all times it has sufficient funds available in its Account to cover the amounts that will be debited by the Bank in accordance with the Service. The Bank shall not be obliged to process any Change order that is for an amount in excess of the funds available in its Account, though may do so without reference to the Customer and Customer acknowledges that Bank shall not be liable for any loss or damage it suffers as a result of the Bank processing any such Change order If the Customer wishes to instruct Variable Amount Change Orders it must maintain its own, appropriate fax and/or facilities Customers cannot refuse to accept Change orders at the Locations to which they have been delivered in accordance with the Customer's instructions. Upon receipt of Change at any Location, the Customer must LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 4 of 8

5 check the value of Change delivered and if any discrepancies are discovered by the Customer between the amounts ordered and the amounts received or if it has any issue as to whether any Change order has been duly authorised or correctly delivered, it must follow the procedures referred to in Clause or 2.5.9, as appropriate Customer shall not submit any instructions for Change orders that instruct the provision of Change for an amount in excess of their maximum overall limit approved by their Relationship Manager. The Bank shall not be obliged to process any Change order that is in excess of a Customer's maximum overall limit, though may do so without reference to the Customer and Customer acknowledges that Bank shall not be liable for any loss or damage it suffers as a result of the Bank processing any such Change order The Customer acknowledges that the Service is provided for its own business use only. 2.7 Changes in Customer Position Any changes that a Customer may require to be made, from time to time, to any of the information or details contained in its Application Form that impact on or relate to the provision of the Service must be notified in advance to the Bank (through the Customer's Relationship Manager) and will be subject to the Bank's approval The Customer must notify the Bank (through its Relationship Manager) immediately in the event that there is any change or amendment in the Customer's third party contracts with Accredited Suppliers, or if such contracts are terminated or expire under any circumstances. 2.8 Charges Service fees payable in respect of the Service will be deducted from the Customer's accounts monthly in arrears, and otherwise in accordance with the terms of their current account mandate The service fees payable in respect of the Service will be subject to variation by the Bank from time to time, on the giving of 2 months prior written notice. The service fee applicable on commencement of the Service is as specified on the Application Form For the avoidance of doubt, the service fees referred to in this Clause 2.8 do not relate to the elements of the Provision of Change Service that are provided by Accredited Suppliers. Service fees in relation to those elements of the service will be agreed separately between the Customer and the Accredited Supplier. 3. General Conditions 3.1 Term The Bank shall commence performance of the Service on the later of: (ii) the date upon which all of the conditions specified in Clause 3.2 have been met to the satisfaction of the Bank; and (ii) such other date as the parties agree, and shall continue on an open-ended basis unless and until terminated in accordance with Clause Conditions Precedent Before the Bank will provide the Service to the Customer it must first have received: (i) confirmation that the Customer has entered into a separate contract with an Accredited Supplier relating to the Service; (ii) confirmation from the Customer that such contract has become fully operative in all respects; and (iii) any further information that the Bank reasonably considers it requires from the Customer or the Accredited Supplier The Bank shall be under no obligation to provide the Service unless and until it is satisfied that, in its reasonable opinion, the conditions precedent set out in Clause have been fulfilled. 3.3 Liability Subject to Clause 2.5 and to any terms implied by law or by the rules of any regulatory body which cannot be excluded, and without prejudice to any exclusions of liability contained elsewhere in these Conditions, the Bank shall not be liable in contract, tort (including negligence), delict or otherwise in any way: (i) for the fraud, negligence, acts or omissions of the Customer, or its officers, employees or agents; (ii) for loss of profits, business, contracts, anticipated savings, goodwill or revenue or for any indirect or consequential loss, whether or not the Bank was advised in advance of the possibility of such loss or damage; or (iii) by reason of force majeure, including without limitation, industrial disputes, any act or omission by any third party, including without limitation the Accredited Suppliers, or any other act that is outside of the Bank's control Nothing in these Conditions shall limit the Bank's liability to the Customer for fraud by the Bank or for death or personal injury resulting from its negligence or that of its employees The Bank's maximum aggregate liability to the Customer, whether in contract, tort or delict or howsoever otherwise arising shall be limited to the amount of Change being delivered in connection with each performance of the Service, other than in respect of any liability incurred by the Bank in accordance with Clause 2.5. LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 5 of 8

6 3.4 Termination The Customer may terminate the Service in the following circumstances: (i) at any time by giving notice in writing (through its Relationship Manager); and (ii) in accordance with Clause If the Customer wishes to terminate the Service under this Clause, it shall be responsible for also ensuring that any contract in place with an Accredited Supplier in respect of the Service has also been duly terminated. The Bank shall not be liable for any loss, damage or claim suffered by any party resulting from the Customer's failures in this respect The Bank shall be entitled to terminate the Service on giving 2 months' prior notice to the Customer, in writing The Bank shall be entitled to terminate the Service with immediate effect, on advising Customer by telephone and thereafter giving written notice to the Customer, if any of the following events or circumstances arise: (i) the termination or expiry, for whatever reason, of any separate contract relevant to or affecting the provision of the Service by the Bank between the Customer and Accredited Supplier; (ii) the failure of the Customer to maintain funds within any Account sufficient to allow the Bank to make the appropriate deductions when required, in accordance with these Conditions and the provision of the Service, or the closure or termination of these accounts, for whatever reason; (iii) the Customer becomes unable to pay its debts (within the meaning of section 123 of the Insolvency Act 1986), admits its inability to pay its debts or becomes insolvent; (iv) a petition is presented, an order made or a resolution passed for the liquidation (otherwise than for the purposes of a solvent amalgamation or reconstruction on terms previously approved by the Bank), administration, bankruptcy or dissolution of the Customer; (v) an administrative or other receiver, manager, trustee, liquidator, administrator or similar person or officer is appointed to the Customer and/or over all or any part of the assets of the Customer; (vi) the Customer enters into or proposes any composition or arrangement concerning its debts with its creditors (or any class of its creditors) generally; (vii) any distress, execution, attachment, sequestration or similar action is taken, levied or enforced against the Customer or any of its substantial assets or any garnishee order is made and served on the Customer; (viii) anything analogous to any of the events or circumstances stated in (iii) to (vi) inclusive above occurs in respect of the Customer in any applicable jurisdiction; (ix) the Customer misuses the Service or otherwise is in contravention or breach of these Conditions; (x) evidence of any fraudulent behaviour on the part of the Customer, or any of its employees, agents or third party contractors; and (xi) any other event or circumstance arises that might adversely affect the Customer's ability to comply with these Condition Termination, howsoever arising in respect of these Conditions, shall be without prejudice to all accrued rights, remedies and obligations of the parties and to any Clause which reasonably requires to have effect after termination to give effect to these Conditions, which Clauses shall continue in full force and effect notwithstanding any such termination. 3.5 Variation of these Conditions and/or the Service The Bank may, with a view to improving the Service or making such modifications as it may consider necessary or desirable, modify any of these Conditions or any aspect of the Service at any time by prior written notice to the Customer or as otherwise agreed between the parties. Where practicable, the Bank will aim to give no less than 2 month's notice of any such modification, but the giving of less notice will not in any way invalidate or affect the effectiveness of such modification. In these Conditions, the term "modification" includes any modification, amendment, extension, removal or replacement of or addition to any Condition or other aspect as previously stated The Customer will be deemed to have accepted any proposed modification (made in accordance with Clause 3.5.1) or variation of the service fees or charges (made in accordance with Clause 2.8) as has been validly notified to the Customer in accordance with these Conditions if it does not notify the Bank, in writing, that it is opposed to the said modification or variation, prior to the date on which the proposed modification or variation takes effect If the Customer notifies the Bank in writing that it does oppose any proposed modification (made in accordance with Clause 3.5.1) or variation of the service fees or charges (made in accordance with Clause 2.8) as has been validly notified to the Customer in accordance with these Conditions prior to the date on which the proposed modification or variation takes effect, then such notice shall also be deemed to be notice of termination of the Service, such termination to become effective immediately on the modification or variation taking effect. 3.6 Miscellaneous These Conditions are personal to the Customer and none of the rights, benefits or obligations hereunder may be assigned, transferred or sub-contracted either in whole or in part by the Customer. LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 6 of 8

7 3.6.2 Without prejudice to Clause 3.4, in exceptional circumstances the Bank may at any time until further notice suspend the operation of the Service but will promptly notify the Customer of any such suspension Any waiver by the Bank of a breach or default of any of the provisions of these Conditions by the Customer shall not be construed as a waiver of any succeeding breach of the same provision or any breach of any other provisions nor shall any delay or omission on the part of the Bank to exercise or avail itself of any right, power or privilege that it has or may have under these Conditions operate as a waiver of any breach or default by the Customer These Conditions together with the Application Form, the terms and conditions of any other agreement, deed or instrument which the Bank may from time to time require a Customer to execute or enter into for the purpose of its use of the Service and/or the operating terms and conditions of any account held by the Customer with the Bank constitute the entire agreement between the Bank and the Customer. Each party acknowledges that it does not rely on any other prior agreement, representation or proposal, whether written or oral, all of which are unconditionally excluded and have no effect Where the Customer comprises more that one person, these Conditions shall apply to each such person and the liability of each such person to the Bank shall be joint and several Further copies of these Conditions are available by contacting your relationship manager or from the Corporate Markets website In the event of a dispute the Customer shall refer the matter to the Relationship Manager for resolution. Both parties shall work in good faith to resolve any dispute as quickly as possible. If the Customer has a complaint about the Service, it should contact the Bank either in writing, by fax or telephone. A copy of the Bank's complaints procedure is available online at: If the Customer is not satisfied with the way the Bank deals with its complaint it may be entitled to refer this to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR The Payment Services Regulations apply to this Agreement except that all the provisions contained in those regulations which can be excluded in agreements with large businesses are excluded to the fullest extent possible. 3.7 Notices Any notice, notification or other communication under or in connection with these Conditions shall be in writing and shall be delivered by hand or mail or by to the relevant party at the relevant address for service which, for the Bank is the address of the Customer's Relationship Manager, as advised from time to time, and for the Customer is the address stated on the Application Form Any such notice or other communication shall be deemed to have been received by the party to whom it is addressed, (a) when so delivered, if hand-delivered or (b) within 48 hours of being posted, provided that notice has been sent to the address of the recipient as notified above or otherwise in accordance with this Clause or (c) if sent by , upon receipt of a confirmation of transmission (subject to such notice or communication also being posted on the same day in the manner specified above) If a notice or communication is given or deemed to have been given on a non-business Day it shall be deemed to have been served on the next Business Day. 3.8 Unenforceable Provisions In the event that any provision of these Conditions is held to be invalid or unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by such enforceable provision that comes the closest to the intention underlying the unenforceable provision. 3.9 Law This Agreement (and all non-contractual obligations arising from or in connection with it) shall be governed by and construed in accordance with English law and the parties submit to the non-exclusive jurisdiction of the courts in England and Wales. LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 7 of 8

8 Information is available in large print, audio and Braille on request. Please ask for details. We accept calls made through RNID Typetalk. We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Please remember we cannot guarantee security of messages sent by . Lloyds TSB Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no Authorised and regulated by the Financial Services Authority under registration number Important information about compensation arrangements We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be 85,000 each (making a total of 170,000). The 85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank including their share of any joint account, and not to each separate account. For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website or call or Deposits with us are held with either Lloyds TSB Bank plc or Lloyds TSB Scotland plc. Eligible depositors have a separate limit of 85,000 for accounts in each bank. Accounts with Lloyds TSB Bank plc include accounts in all its divisions and under trading names: Cheltenham and Gloucester (C&G), Lloyds Bank, Lloyds TSB, Lloyds TSB Agriculture, Lloyds TSB Bank, Lloyds TSB Business, Lloyds TSB Business Banking, Lloyds TSB Commercial, Lloyds Bank Corporate Markets, Lloyds TSB Corporate Markets, Lloyds TSB Private Banking and Worldwide Service. An eligible depositor s 85,000 limit relates to the combined amount in all accounts with Lloyds TSB Bank plc. Accounts with Lloyds TSB Scotland plc include accounts in all its divisions and under trading names: Lloyds TSB Scotland Business, Lloyds TSB Scotland Business Banking, Lloyds TSB Scotland Commercial, Lloyds TSB Scotland Commercial Banking, Lloyds TSB Agriculture, Lloyds TSB Business, Lloyds TSB Business Banking, Lloyds TSB Commercial, Lloyds Bank Corporate Markets, Lloyds TSB Corporate Markets and Lloyds TSB Private Banking. An eligible depositor s 85,000 limit relates to the combined amount in all accounts with Lloyds TSB Scotland plc. If you are unsure which bank your account is held with please check your account literature or ask at your local branch. Our Service Promise We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. If you would like a copy of our complaint procedures, please contact your relationship manager or any of our Corporate Banking offices. You can also find details on our website, at LTSB Terms and Conditions of Use - Provision of Change (migration only) Apr 11 Page 8 of 8