5½YR STRUCTURED DEPOSITS
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1 5½YR STRUCTURED DEPOSITS Limited Edition March 2014
2 Structured Deposits
3 Structured Deposits CONTENTS What Are Structured Deposits? 2 At A Glance 3 Important Information I Need To Know 4 Performance Driver 5 5½ Year Sterling Growth Deposit 7 Questions And Answers 9 Are Structured Deposits Right For Me? 12 How Do I Apply? 14 1
4 What Marked Are Structured Linked Deposits? What are Structured Deposits? Structured Deposits are fixed term deposits that are available in a range of terms and which aim to pay a Return linked to the performance of specific financial markets. They are designed to be cautious and so are structured to repay at least your original Capital at the end of the term, regardless of the performance of the underlying financial market they are linked to. That s as long as you hold the deposit for its full term. Of course, there is the potential of very little or no Return above your original Capital. This means the purchasing power of your money at the repayment date could be reduced significantly by the effects of inflation. Whilst this product will be available to many of our customers, there are countries where, due to legal or regulatory restraints we cannot provide it. Please contact your local Lloyds Bank representative for details. Limited offer deposits Structured Deposits have a closing date for applications, although we may withdraw them earlier, or extend the offer, according to application levels. So if you re interested in applying, you should act quickly to ensure you don t miss out. The closing date for our current Structured Deposit is 17 March 2014 Capitalised terms used throughout this brochure have their meanings explained in the Terms and Conditions, which are located in the application document. 2
5 At A Glance Structured Deposits AT A GLANCE We ve summarised the details here but you will find full details of how the Structured Deposit works on pages 7-8 of this brochure. Minimum deposit The minimum deposit requirement is 10,000 with no maximum. You must be over 18 years of age to hold a Structured Deposit. Currency Sterling Objective Growth Term 5½ years Individual index FTSE 100 Index Measurement Offering the potential of a participation in any positive FTSE 100 Performance averaged monthly over the final year of the 5½ year term of the Structured Deposit. There s the possibility of very little or nil Return over the deposit term depending upon the performance of the FTSE 100 Index. The maximum potential Return you could receive is 32% (AER* 5.17%) on top of your original deposit. See page 8 for full details. 5½ year term Structured Deposit key dates Last date for receipt of applications 17 March 2014 Last date for receipt of cleared funds** 24 March 2014 Deposit Start Date 31 March 2014 Maturity Date 30 September 2019 Deposit Repayment Date 07 October 2019 * AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Gross rate: is the contractual rate of interest payable before deduction of income tax at the rate specified by law. ** Applications received with cleared funds prior to this date will earn a variable interest rate of 1.00% Gross/AER* until the Structured Deposit Start Date (see page 9 for details). 3
6 Important Marked Information Linked Deposits I Need To Know Important information I need to know Every customer is unique, with individual needs and a different appetite for risk. That s why, before applying for a Structured Deposit, it s important that you re aware of the risks and commitment involved. Typically, although not exclusively, you will have some experience or knowledge of investment markets and you wish to deposit some of your Capital for the full term of the Structured Deposit, as part of a diversified approach to savings and investments. It s also important that you read the terms and conditions carefully before making any commitment. If you don t understand how this Structured Deposit works, please seek clarification. Contact your local Lloyds Bank representative who will be happy to help. Risk of no return There is the risk of very little or no Return above your original Capital. If you receive no Return, this means that the purchasing power of your money at the Repayment Date could be reduced significantly by the effects of inflation. You understand that there are other products which will pay a fixed rate of interest for similar periods but you are prepared to risk receiving no Return. Risk of early withdrawal In applying for a Structured Deposit you accept that you won t have access to your money for the full term and can wait until it matures to get your money back. You also accept that, if you do have to withdraw your money early, you may get back substantially less than your original Capital. Funds received before the Start Date will be deemed to be committed to the Structured Deposit and the application for the Structured Deposit cannot be cancelled prior to or after the Start Date. Refer to page 9 for more details about Early Depositors Interest. Insolvency risk Our Structured Deposits are structured to repay at least your original Capital at the end of the term, however you understand that if Lloyds Bank International Limited, as the deposit taker, became bankrupt or was unable to make payments under the Structured Deposit when due, you may get back less than you are owed or nothing at all. If you are an eligible type of depositor and satisfy the relevant criteria, your Structured Deposit will be covered by the relevant depositors compensation scheme. (See page 11 for details.) No third party guarantor Lloyds Bank International Limited is obliged to repay your Capital in full on the Repayment Date. Please note that the deposit described in this brochure is not guaranteed by any third party. You may prefer another of our account options if: You may need access to your money over the next 5½ years. You won t have enough funds, after submitting your application, for any unexpected costs or emergencies. You don t want to risk receiving a zero Return above your original Capital after 5½ years. You want a fixed rate of interest or regular income from your deposit. 4
7 Performance Driver What IS the performance driver? We ve linked this Structured Deposit to the FTSE 100 Index based upon the forecasts of our expert market analysts. Structured Deposit 5½ Year Sterling Growth Deposit Performance Driver FTSE 100 Index Important note Page 6 provides further information which support why the FTSE 100 Index has been selected. These comments are the opinion of Lloyds Banking Group (as at January 2014) and should not be relied upon as fact, in particular, no responsibility or warranty is given as to the accuracy of any financial information or as to the potential for achievement or reasonableness of any forecasts, projections, prospects or returns. Forecasts are opinion only, cannot be guaranteed and should not be relied upon when making investment decisions. The forecast of future performance is not a reliable guide to actual future results. Past performance is not a guide to future performance and prices can fall as well as rise. 5
8 Performance Driver FTSE 100 INDEX The UK FTSE 100 Index is among the most internationally diversified of any major global equity benchmarks. Some 75% of FTSE corporate revenues come from markets outside of the UK. This diversification of economic exposure should ensure a less volatile and potentially stronger capital appreciation profile. At a minimum, the risk of investor returns being compromised by a peculiarly weak performance of the UK economy, or unexpected fall in the value of sterling, is greatly reduced. From a corporate governance perspective the UK market adheres to a higher standard than is evident in many other locales. The protection and promotion of shareholder rights is an often underestimated factor in underpinning expected return forecasts. This assumes greater importance in the case of the UK because an investment in the FTSE 100 offers investors some 20% exposure to the faster growing Developing world but without the attendant governance risks such as abuse of minority shareholder rights, arbitrary changes in the legal/regulatory environment and, in rare cases, the outright confiscation of private property. With respect to the pivotal issue of valuation, regardless of the methodology or parameters used, our conclusions are pretty much the same. That is, the UK equity market looks attractive versus both its own history and other equity indices. Given the importance of starting valuation in determining future expected returns, we believe that the UK equity market will generate a real total return close to, if not slightly exceeding, the long run average of 5% over the next five years. Our analysis suggests that the UK has a disproportionate number of quality companies listed in the local market. By quality, we specifically mean those franchises that have a sustainable competitive advantage by dint of a variety of factors such as asset quality, innovation, and industry positioning. Since these moat (competitively well entrenched) franchises should be able to sustain above average growth and Returns on Equity over an extended period, this has a bearing on the confidence that underlies our long term performance expectation for the UK market. Examples of such companies in the FTSE include, BG Group, Diageo, Prudential, ARM, HSBC and Rolls Royce. Please note, forecasts are opinion only, cannot be guaranteed and should not be relied upon when making deposit decisions. The forecast of future performance is not a reliable guide to actual future results. Past 5½ years FTSE 100 index performance FTSE 100 Index FTSE 100 Index daily closing level Source: Bloomberg, 08 January July 2008 July 2009 July 2010 July 2011 July 2012 July 2013 Previous 5½ year term Please note: Past performance is not a guide to future performance and prices can fall as well as rise. 6
9 5½ Year Sterling Growth Deposit 5½ Year Sterling GROWTH Deposit Key features Full repayment of your Capital as long as your deposit is held to maturity. Potential to receive a Return up to 32% (AER* 5.17%) of your Capital at the end of the 5½ year term. Linked to the performance of the FTSE 100 Index. 5½ year deposit term. Minimum deposit amount 10,000 (no maximum). Early Depositors Interest for deposits received before 24 March 2014 (see page 9 for details). Please note if you withdraw your deposit before the Structured Deposit has reached maturity, you may receive back considerably less than your original deposit. Lloyds Bank International Limited is obliged to repay your Capital in full on the Repayment Date. The deposit described in this brochure is not guaranteed by any third party. If the FTSE 100 Performance, averaged over the final year, is nil or negative, then you ll receive back only your original Capital on the Repayment Date. How does it work and what might I get back on the Repayment Date? The 5½ Year Sterling Growth Deposit is designed to repay your Capital at maturity. It s linked to the FTSE 100 Index selected by our expert market analysts. The following step by step description and chart opposite shows some potential Return outcomes for this deposit. Step 1 On the Deposit Start Date we will record the FTSE 100 Closing Level. Step 2 Step 3 We will record monthly over the final 12 months the level of the FTSE 100 Index (a total of 13 observations). The simple arithmetic average of those levels will be calculated in order to determine the FTSE 100 Index Final Level. This level will then be compared to the FTSE 100 Index Start Level in order to determine the FTSE 100 Index Performance. On the Maturity Date any positive FTSE 100 Index Performance will be capped at 16% and then multiplied by 2 in order to calculate any Return above your original Capital. If however the FTSE 100 Index Performance is nil or negative, only your original Capital will be repaid. The Repayment Date for this deposit is 07 October To find out more about how averaging works, please refer to the Questions and Answers section on page 10. * AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will contain an AER you will be able to compare more easily what return you can expect from your savings over time. 7
10 5½ Year Sterling Growth Deposit PERFORMANCE ILLUSTRATION Scenario 1 Scenario 2 Scenario 3 Start Level FTSE 100 Index daily closing level March 2014 March 2015 March 2016 March 2017 March 2018 March 2019 Example 5½ year term Please note: The chart above and related table below are for illustrative purposes only and shows as a percentage how the FTSE 100 Index may perform over the 5½ year term in relation to the FTSE 100 Start Level, this should not be viewed as an indication of potential future performance. FTSE 100 Start Level FTSE 100 Final Level* FTSE 100 Index Performance Repayment Amount 6, , % Capital % (as Scenario 1 above) 6, , % Capital % (as Scenario 2 above) 6, , % Capital Only (as Scenario 3 above) * The simple arithmetic average of the FTSE 100 Index over the final 12 months (a total of 13 observations). 8
11 Questions And Answers QUESTIONS and ANSWERS How do Structured Deposits compare with ordinary deposit accounts? This Structured Deposit is linked to the performance of the FTSE 100 Index. So, if the FTSE 100 Index performs poorly, you may receive back less than you would normally have earned from an ordinary deposit account. With this deposit there s also the potential of no Return above your original Capital. This means that the purchasing power of your money at the Repayment Date could be reduced significantly by the effects of inflation. Additionally, unlike an ordinary deposit account you can t withdraw your money early without incurring charges please see the next question for details on this. Can I access my money before the deposit matures? Structured Deposits are fixed term deposits designed to run for the full term. In an emergency, or a case of extreme need we may consider, at our absolute discretion, a request from you to withdraw your deposit and to close your Structured Deposit before the relevant Repayment Date but we will be under no obligation to agree to your request. In the event that your deposit is repaid before the relevant Repayment Date, you acknowledge that you may receive back less than your original deposit. This is because the value is affected by factors including how long you ve held the Structured Deposit for, prevailing interest rates and market conditions. In addition, a fixed 500 administration fee will be charged. Please refer to Clause 2, Part B within the Terms and Conditions for more details. Are there any charges? The total of the service fees and commissions payable in relation to this Structured Deposit is 3.78%. These service fees and commissions have already been paid as part of the process in developing this Structured Deposit. There are no further fees or commissions to pay, unless you withdraw your Deposit before the end of the term, in which case a fixed 500 administration fee will be charged. For further details about early withdrawal please see Can I access my money before the deposit matures? above. What is a Call Account and why is it needed? When we accept your application for a Structured Deposit, we ll open a Call Account for you if you don t already hold one with us. We ll then transfer the sum you want to deposit into your Structured Deposit into this Call Account, adding to it any Early Depositors Interest you are entitled to. We ll then transfer your money into your Structured Deposit on the deposit Start Date. The Call Account is also where your maturing deposit amount and any Return, if applicable, will be paid on the Deposit Repayment Date. What is the Early Depositors Interest? Applications received with cleared funds prior to the last date for receipt of cleared funds (see page 3 for details) will earn a variable interest rate of 1.00% Gross/AER* until the relevant Structured Deposit Start Date. These interest rates are correct as at 08 January 2014 but may be subject to change. Please contact your local Lloyds Bank representative to confirm the rate prior to making your deposit, or visit international.lloydsbank.com/international-savings/ Funds received before the Start Date will be deemed to be committed to the Structured Deposit and the application for the Structured Deposit cannot be cancelled prior to or after the Start Date. Please note that the Early Depositors Interest and Call Account fall within the scope of the European Union Savings Tax Directive. For more on this, please see Clause 5, Part B in the Terms and Conditions. * AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Gross rate: is the contractual rate of interest payable before deduction of income tax at the rate specified by law. 9
12 Questions And Answers What is averaging? For this deposit the FTSE 100 performance is averaged over the final year. The effect of averaging may potentially increase or decrease any potential returns. The first chart below shows how a return may be reduced compared to a non averaged final level. The second chart shows how averaging in this way can also reduce your exposure to the ups and downs of the FTSE 100 Index. Effects of Averaging where FTSE 100 is in a period of sustained growth Effects of Averaging where FTSE 100 performance is volatile Index Performance Average Index Performance Average Index Performance Index Performance Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec Averaging Points Averaging Points Please note: These graphs are purely to illustrate the effect of averaging and non-averaging and should not be viewed as an indication of past or potential future performance. 10
13 Questions And Answers How will I know how my Structured Deposit is performing? Throughout your Structured Deposit s term, we ll send you annual updates after the Calculation Date detailing how your Structured Deposit is performing. Then, shortly after maturity, we ll let you know any final Return payable. Will I receive dividend payments? This deposit is linked to the FTSE 100 Index, it is not invested directly in those companies that make up the index. Therefore you will not receive any dividend payments from them. What about tax? For the Structured Deposit described in this brochure, under current rules any Return in addition to the original Deposit Amount is paid without the deduction of Tax. The Channel Islands and Isle of Man have introduced regulations equivalent to those set out with the EU Directive. These state that structured products can be expected to be out of scope of the regulations. The Early Depositors Interest and the Call Account are within scope of the regulations. Please refer to Clause 3, Part B in the Terms and Conditions detailed within the application. It is your obligation to seek independent tax advice if you are uncertain or have any concerns with regard to any local tax implications. It is your responsibility to disclose details of any Return to your local tax authority should you need to do so. What if I want to make a complaint? If you want to make a complaint about this contract or the service you receive from us, please follow the steps shown in our How to Complain leaflet, which is available from any Lloyds Bank International Limited branch. Alternatively, you can write to us about your concerns at: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. What about depositors compensation schemes? Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors, 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. You will not be covered by the UK Financial Services Compensation Scheme should you purchase a Structured Deposit. Accounts held in Guernsey The Guernsey branch of Lloyds Bank International Limited 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: or on request from Telephone: +44 (0) or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD. Accounts held in Jersey Lloyds Bank International Limited is a participant in the Jersey Banking Depositor 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 ( or on request. Accounts held in Isle of Man The Isle of Man branch of Lloyds Bank International Limited is a participant in the Isle of Man Depositors Compensation Scheme as set out in the Depositors Compensation Scheme Regulations 2010, as amended (the Isle of Man Scheme ). The Isle of Man Scheme offers protection for eligible protected deposits of up to 50,000 (which includes deposits by most individual persons but does not, for example, include trustees or nominees) or 20,000 for most other categories of depositor, subject to certain rules and limitations set out in the Isle of Man Scheme. The maximum total amount of compensation covered by the Isle of Man Scheme is 200,000,000 in any consecutive ten year period. Further details of the Isle of Man Scheme are available on the Isle of Man Financial Supervision Commission s website and on request. 11
14 Are Structured Deposits Right For Me? ARE STRUCTURED DEPOSITS RIGHT FOR ME? Every customer is unique, with individual needs and a different appetite for risk. That s why, before applying for a Structured Deposit, it s important that you re aware of the risks and commitment involved. Typically, although not exclusively, you will have some experience or knowledge of investment markets and you wish to deposit some of your Capital for the full term of the selected Structured Deposit, as part of a diversified approach to savings and investments. It s also important that you read the terms and conditions carefully before making any commitment. If you don t understand how this Structured Deposit works, please seek clarification. Contact your local Lloyds Bank representative who will be happy to help. 12
15 Are Structured Deposits Right For Me? Structured Deposits may be suitable for me because: I have a minimum 10,000 deposit and I am aged 18 or over. I understand that if the FTSE 100 Index Performance is nil or negative, only my original Capital will be repaid, this means the purchasing power of my money at the repayment date could be reduced significantly by the effects of inflation. I accept that I won t have access to my money for the full term, and can wait 5½ years to get my money back. I also accept that, if I do withdraw my money early, I may get back substantially less than my original deposit. Structured Deposits may not be suitable for me because: I may need access to my money over the next 5½ years. I won t have enough funds, after submitting my application, for any unexpected costs or emergencies. I don t want to risk receiving a zero Return above my original Capital after 5½ years. I want a fixed rate of interest or regular income from my deposit. I understand that if Lloyds Bank International Limited, as the deposit taker, became bankrupt or was unable to make payments under the Structured Deposit when due, I may get back less than I am owed or nothing at all. If I am an eligible type of depositor and satisfy the relevant criteria, my Structured Deposit will be covered by the relevant depositors compensation scheme. (See page 11 of the brochure for full details.) I understand that Lloyds Bank International Limited is obliged to repay my Capital in full on the Repayment Date. Please note that this Structured Deposit is not guaranteed by any third party. I understand that this deposit is linked to the FTSE 100 Index and is not invested directly in those companies that make up the index. Therefore I will not receive any dividend payments from them. I understand that the final Return is based on the simple arithmetic average of the FTSE 100 Index over the final 12 months (a total of 13 observations). I understand that funds received before the Start Date will be deemed to be committed to the Structured Deposit and the application for the Structured Deposit cannot be cancelled prior to or after the Start Date. I understand that there are other products which will pay a fixed rate of interest for similar periods but I am prepared to risk receiving no Return. 13
16 How Do I Apply? 14AHOW DO I APPLY?
17 How Do I Apply? If you re ready to apply for a Structured Deposit now, you can do so by post, online or through your local Lloyds Bank representative whichever is easiest for you. The last date for receipt of applications is 17 March Apply online Visit international.lloydsbank.com/international-savings to apply directly online, or to download an application form. Apply by post Just complete and return the enclosed application to your local Lloyds Bank representative. You also need to provide us with your deposit amount here s how: If you re a Lloyds Bank customer: We can take your deposit directly from your account up to 24 March You ll need to ensure the funds are cleared by this date or you may miss out on this Structured Deposit. To take advantage of the Early Depositors Interest just ask us to debit your account earlier. If you re not a Lloyds Bank customer or you re sending funds from elsewhere: Please enclose a cheque made payable to yourself with your completed application. You need to make sure that we receive your cheque no later than 10 March Need some help? For more details or if you need help with your application, please contact your local Lloyds Bank representative they ll be happy to help you. 15
18 Structured Deposits Important Information Issued by Lloyds Bank International Limited, trading as Lloyds Bank. JERSEY OFFICE: Lloyds Bank International Limited, PO Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. GUERNSEY OFFICE: Lloyds Bank International Limited, PO Box 123, Sarnia House, Le Truchot, St. Peter Port, Guernsey GY1 4EF. ISLE OF MAN OFFICE: Lloyds Bank International Limited, PO Box 351, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 2RZ. Tel: if calling from UK and if calling from outside UK. Fax: +44 (0) Lloyds Bank International Limited is incorporated in Jersey, and its registered office and principal place of business is PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Registered in Jersey, number Regulated by the Jersey Financial Services Commission. The Guernsey branch of Lloyds Bank International Limited is licensed to conduct banking, investment and insurance intermediary business by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Bailiwick of Guernsey) Law 1987 and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law The Isle of Man branch of Lloyds Bank International Limited is licensed by the Isle of Man Financial Supervision Commission and registered with the Insurance and Pensions Authority in respect of General Business. Lloyds Bank International Limited is a Jersey registered company that is a wholly owned subsidiary of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under number and is part of the Lloyds Banking Group. Lloyds Bank International Limited places funds with Lloyds Bank plc and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and its parent based upon publicly available information. Lloyds Bank International Limited s latest annual financial statements are available on our website at Lloyds Bank International Limited 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. This brochure has been approved by Lloyds Bank Private Banking Limited. Registered office: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales, no Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number Complaints involving the Isle of Man branch of Lloyds Bank International Limited that it cannot settle should be referred to the Financial Services Ombudsman Scheme for the Isle of Man. The information contained in this brochure does not constitute an invitation to buy or the solicitation of an offer to sell securities or accept deposits or to provide any other products or services in any jurisdiction to any person to whom it is unlawful to make such an offer or solicitation, nor should it be construed to constitute any investment advice. Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us. The paid up capital and reserves of Lloyds Bank International Limited was 968m as at 31 December Telephone calls may be recorded and monitored. 16
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20 Please contact your local Lloyds Bank representative for more details or visit lloydsbank.com/international OB5169 / 01 14
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