ISLAND GOLD ACCOUNT A MORE REWARDING EXPERIENCE

ISLAND GOLD ACCOUNT A MORE REWARDING EXPERIENCE

Contents Introduction 1 Product overview 3 AA European Breakdown Cover 4 Gold Debit Card 6 Card Loss Assistance 8 Card Loss Assistance service 9

Introduction I want more from my bank account The Island Gold Account offers special benefits You will enjoy worldwide travel insurance, commission-free travel money and Card Loss Assistance. You can also obtain discounts on home protection and AA European Breakdown Cover. In addition to this, if you take out a tracker or fixed rate mortgage* with us, we will reduce the commitment fee. Your higher-than-average credit rating will be recognised with easy-to-arrange overdrafts and reduced rates on loans*. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE The fee The service comes with a monthly fee of 9. There are no transaction charges. Charges will be made for some additional services (for example, special cheque presentations). Island Gold account fee 9 a month * Lending is subject to our responsible lending criteria. How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a Channel Island or Isle of Man resident to apply. Lending is subject to status and application. Security may be required. Overdrafts are repayable in full on demand. 1

Access to your account Internet Access your accounts quickly and securely. Check your latest balance, search your statements and make payments and transfers whenever you want. Telephone Banking If you ve got a query or something to discuss, just give us a ring. You can choose to use our speedy automated service or to talk to an adviser. Please note, that although you can give us instructions 24 hours a day, seven days a week through internet and telephone banking some of those instructions cannot be processed until the next working day. For example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all telephone banking services are available 24 hours a day, seven days a week. An internet connection is required to use our internet banking service. Please speak to an adviser for more information. 2

Products overview I ve got everything I need Benefits you can enjoy wherever you are Worldwide Travel Insurance* You can take advantage of the worldwide travel insurance that you and your family will automatically receive with the Island Gold Account. Travel insurance is not available to anyone aged 80 or over. We only offer products from a single company, underwritten by AXA Insurance UK plc. We do not provide advice on travel insurance and we will not make comparisons with other similar products including those which you may currently hold. You will need to make your own choice about how to proceed. 10% Discount on Home Protection You will receive a 10% discount on your Lloyds Bank household insurance premium when you arrange a new Home Protection household insurance policy from your local branch.** This insurance is underwritten by Insurance Corporation of the Channel Islands Limited and arranged by Lloyds Bank International Limited. Insurance Corporation of the Channel Islands Limited, Registered in Guernsey (no 10569) is licensed by the Guernsey Financial Services Commission. 20% Discount on AA European Breakdown Cover The AA offers Island Gold customers 20% off the cost of its European Breakdown Cover. When you re driving in Europe for business or pleasure you have the reassurance that if you breakdown AA European Breakdown Cover will help you get back on track. A Gold Debit Card A 2-in-1 card that allows you to make purchases and withdraw cash. The card also enables you to buy and sell foreign currency and travellers cheques at any of our branches, free of commission. For further details please go to page 6. Simple borrowing We can arrange overdrafts*** at preferential rates. You won t be charged any overdraft fees or interest if you stay within the 100 interest and fee-free amount of your Planned Overdraft. * Full details including terms and conditions are available in a separate leaflet which will be given to you when an Island Gold Account is opened or on request. ** Various other discounts are available with Home Protection. The maximum total discount available is 30%. *** Lending is subject to our responsible lending criteria. How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a Channel Island or Isle of Man resident to apply. Lending is subject to status and application. Security may be required. Overdrafts are repayable in full on demand. 3

AA European Breakdown Cover I have breakdown cover when driving in Europe The AA offers Island Gold customers 20% off the cost of its European Breakdown Cover European Breakdown Cover is essential when travelling overseas and the AA has more than 100 years experience of helping motorists in Europe. With European Breakdown Cover the AA can be contacted 24 hours a day to arrange help. Phone 0800 028 6821, selecting option 3 for more details. The benefits of cover include: 24-hour English-speaking assistance seven days a week. Vehicle recovery back to the UK, Channel Islands or Isle of Man, or onwards to your destination. Emergency roadside assistance and repair. Emergency accommodation and transport arrangements. Worried about incurring high parts and labour costs if you break down abroad? Add Parts and Labour benefit onto your AA European Breakdown Cover policy and you can claim up to a maximum of 500 (including VAT) for the essential parts and labour required to get you moving again. European Breakdown Cover Discount 20% 4

AA European Breakdown Cover Benefits Single Trip, Annual Multi Trip and Annual Long Stay Policies Single Trip Group Policies Overall Claim Limit 1. Roadside Assistance and Emergency Repair 2. Location and Despatch of Spare Parts within Europe Overall claim limit of 2,000 per party per trip (excluding unaccompanied vehicle recovery, legal protection and, if purchased, optional Parts and Labour benefits) Emergency repair at the roadside or towage to a local repairer Location and despatch of spare parts to complete repairs overseas (cost of parts not covered) 3. Alternative Travel Arrangements 4. Emergency Accommodation Up to 1,200 per party; vehicle hire limit 120 per day Up to 500 per party; limit of 60 per person per night Up to 1,800 per party; vehicle hire limit 150 per day Up to 1,080 per party; limit of 60 per person per night 5. Vehicle Recovery to the UK, Channel Islands and Isle of Man or onward to your original destination 6. Legal Benefit The cost of unaccompanied recovery for your vehicle, up to its current market value, to a single destination being either a) your permanent home address or b) your nominated vehicle repairer in the UK or c) your original destination within the European Breakdown Cover territorial limits, providing the cost does not exceed the cost of repatriating to your UK home address. Up to 50,000 for costs of help and advice after a road traffic accident Bail bond guarantee up to 1,500 Offer may be withdrawn or varied at any time. Applies to full cover only. This is a summary of benefits. Cover is subject to full terms and conditions including geographical limits and individual sections limits and restrictions shown in your European Breakdown policy document issued on acceptance of your premium or available for inspection on request. AA European Breakdown Cover is underwritten by Acromas Insurance Company Limited, registered number 88176 (Gibraltar), and arranged by Automobile Association Insurance Services Limited, an insurance intermediary authorised and regulated by the Financial Conduct Authority. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212. 5

Gold Debit Card I need a flexible card I can use across the world You can use your card to: make purchases; and withdraw cash from your Island Gold account. In the UK, Channel Islands and Isle of Man: you can use it as a debit card to purchase goods or services anywhere you see the Visa or Delta symbols. you can use it to withdraw up to 500* in Sterling from most Lloyds Bank Cashpoint machines and from any other cash machine displaying the Visa symbol. In addition, the Card entitles you, on presentation of your Card, to buy and resell foreign currency notes and sterling and US dollar travellers cheques for your personal use, at any Lloyds Bank branch in the Channel Islands, Isle of Man or UK free of commission. Worldwide: you can withdraw up to the equivalent of 500* in local currency cash from cash machines showing the Visa symbol. you can use it as a debit card to purchase goods or services anywhere you see the Visa or Delta symbols. Your cards protected with Card Loss Assistance Your Island Gold Account entitles you to Card Loss Assistance. If your cards are lost or stolen, help is at hand. Just one call and Card Loss Assistance (administered by Citymain Administrators Ltd) will arrange to cancel your cards, wherever in the world you may be. And it s not just your Lloyds Bank cards any bank or store cards can be cancelled too. That means you can avoid the hassle of trying to recall your card details and arranging to have them cancelled individually. If your cards are lost or stolen, report them to Citymain. They ll tell your card providers to cancel the cards straight away and arrange replacements. You do not need to register your cards to access these benefits. However, if you do register these with Citymain, they will be able to help you more quickly. To register your cards please call 02394 000 969. * In some cash machines you may need to make more than one withdrawal as a maximum of 200 per transaction may apply. Cashpoint is a registered trademark of Lloyds Bank plc. 6

Island Gold Account 500 Withdraw up to 500* in Sterling or local currency cash 7

Card Loss Assistance Card Loss Assistance Card Loss Assistance is provided by Citymain Administrators Ltd This Card Loss Assistance service is provided by Citymain Administrators Ltd. (part of the SPB UK & Ireland Group Companies), registered in England and Wales, Company No: 03979666. Registered office: Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX. Protecting Your Cards Losing your debit and credit cards could be costly and inconvenient, which is why we are offering you comprehensive assistance for you and other members of your household in conjunction with Citymain. One call and Citymain will cancel your lost or stolen cards and organise replacements. Card Loss Assistance can help you if your debit, credit and store cards are lost or stolen at home or abroad. We recommend you register Your Cards with Card Loss Assistance. To do so please call 02394 000 969. Your Cards do not need to be registered with Card Loss Assistance in order to benefit from the cover provided; however, it will make things easier if you need to use the service. Benefits summary Card Loss Assistance Card registration 24-hour helpline for reporting the loss of Cards and ordering replacements 8

Card Loss Assistance service Card Loss Assistance service Terms and conditions of the Card Loss Assistance service 1a. General information: This service is included as a benefit of your Island Gold Account. The cost of this Card Loss Assistance service is included as part of your standard monthly account fee. We recommend that you review the benefits of this service to ensure it continues to meet your needs. If you or Lloyds Bank International Limited close your account, or Lloyds Bank International Limited terminates the service provided through your account, the service will stop immediately unless you are moving from one qualifying account to another which also includes this service. This Card Loss Assistance service is provided by Citymain Administrators Ltd. (part of the SPB UK & Ireland Group Companies), registered in England and Wales, Company No: 03979666. Registered office: Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX. 1b. Definitions: we / us: Citymain Administrators Ltd. whose registered office details are stated above. you / your: The holder(s) of the current account stated above. your family: Any of the following people providing they normally live with you: your husband, wife, civil partner or partner; your children (including foster children); your relatives; and your domestic employees. 2. Scope of service: Card Loss Assistance gives you a 24/7 helpline to cancel lost or stolen cards and sort out replacements in just one call. It provides assistance for you and your family. You can also securely register Passport and Driving Licence numbers, for you and your family, with us for easy access should you lose them. Please note contact in relation to this service can only be made by you. NOTE: No insurance cover is included with this service which means it does not provide you with any cover for any financial loss incurred due to the loss or theft of your cards. 2.1 Registering your cards: It is not compulsory for you to register your cards but if you do choose to register your cards with us it will make it quicker and easier for us to complete a loss report on your behalf if they ever go missing. Register all your financial cards, including credit, debit, bank and building society cards and store cards and those of your family. We recommend you do this as soon as possible. You can do this by calling us on 02394 000 969 or +44 2394 000 969 if you re abroad and have all the cards to hand. And if card details change it is important to let us know as soon as possible. Up to date card details make it easier for us to make a loss report on your behalf so that we can take steps to cancel the cards as soon as possible with the card issuer(s). These can be updated on the phone. You also have the option of registering Passport and Driving Licence Numbers for you and your family. We can then provide you with these document numbers should you need them for any reason in the future. Information on how to register these details are provided above. It is important that you check the card numbers you are registering are correct as any errors may cause delays to you during the loss notification process. 2.2 Reporting lost or stolen cards: 3. Our liability: If cards are lost or stolen, please call us as soon as possible: to report the cards lost or stolen in the UK call 02394 000 969 to report the cards lost or stolen whilst abroad +44 2394 000 969 This service is open 24 hours a day, 7 days a week, 365 days a year. When you call, we will complete a loss report on your behalf and contact the relevant card issuer(s) to request cancellation and re-issue of the cards should any of the card issuers require you or your family to contact them separately, we will notify you accordingly. In order to enable us to provide this service, we will rely on you giving us accurate information about the cards and on 9

Card Loss Assistance service the card issuers accepting and carrying out our request to cancel and replace those cards on your behalf. This service does not cover any costs associated with a card loss, such as any fees charged by the card issuer in connection with lost or stolen cards, including but not limited to any amounts which may have to be paid for, a replacement card, and/or any courier costs associated with delivering an emergency replacement card. It is also important to note that as there is no insurance cover included with this service, we have no liability for any financial loss incurred due to the loss or theft of the cards. The service will be provided to you in accordance with these terms and will be carried out with reasonable skill and care. We cannot be liable or responsible for any failure or delay in performance of the services that is caused by an event occurring outside of our control. This means an event beyond our reasonable control, including without limitation, strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport. Nothing in these terms will affect any other rights you may have in law. The laws that will apply to this service are the laws of England and Wales. 4. Already benefit from card cancellation service? You may want to check the details of any card cancellation service you may already have with another provider against the Card Loss Assistance service we offer with your account to ensure you are not paying unnecessarily for the same service. 5. How to complain: We set high standards and seek to provide levels of service that you have the right to expect. However, things can go wrong and if they do, we want you to tell us about them. If you have a complaint about this service please let us know: Call us on 0333 999 7940 (local rate call) or, Write to the Customer Relations Manager at Citymain Administrators Ltd., Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX or, Email us at customerrelations@citymain.com We aim to resolve any issues as quickly as possible and you will be advised of our complaints process at the time of contact, alternatively you may request a copy of our complaints process at any time by contacting us on the options above. 6. Changes to the service: The document tells you what you need to know about this service. These terms and conditions can be subject to change from time to time. You will be provided with at least 30 days notice of any change by letter or electronically, in statement messages or inserts or in any other way which is sent to you individually. 7. Data protection your information: Citymain Administrators Ltd. (part of the SPB UK & Ireland Group Companies), whose registered office is Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX, is committed to preserving the privacy of our customers. Please read the following privacy policy to understand how we will use and protect the information that you provide to us. This service is included as a benefit of your Island Gold Account and therefore you consent to the collection, sharing of and use of the information under the terms of this privacy policy between us and your account provider. We will also share the information with the card issuer when making a loss report on your behalf. We may collect and use the following information in relation to you and your family: Name and contact information (including email address and mobile phone number); Date of birth; Financial information including card details; Driving licence and passport numbers; Records of any correspondence regarding any specific enquiry. The information you provide will be used by us to supply you with the services. We may use the information to contact you to obtain your views and feedback on the service and to let you know about important changes to 10

Card Loss Assistance service the services we offer and for statistical analysis. We may anonymise personal information, and provided individuals are not and cannot be identified from data by itself or when combined with any other data held by us or other persons as relevant, that data will not be subject to this notice or data protection laws. We may use anonymised data for analysis of statistical trends. We may contact you by post, telephone or email in relation to this service. Your information will not be used or disclosed other than in accordance with this privacy policy, or without your permission, unless required by law. If you would prefer us not to contact you to obtain your views and feedback on the service or you change your mind in the future and would like us to stop contacting you for this purpose, please write to: Citymain Administrators Ltd., Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX. We may co-operate with the Police and any other relevant authorities or organisations in connection with any misuse or suspected misuse of the services provided by us or any member of our group of companies. If necessary, we may divulge information about you for this purpose. You have a right to ask for a copy of the data held about you and your family and you may ask us to make any necessary changes to ensure that it is accurate and kept up to date. If you wish to do this, please either write to: Citymain Administrators Ltd., Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX or email us at customerrelations@citymain.com. We are entitled by law to charge you a fee of 10.00 to meet our costs in providing you with details of the information we hold. We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage. We will retain the information for a reasonable period or as long as the law requires. Any changes to our privacy policy will be notified to you in the appropriate way. All comments, queries and requests relating to our use of the information are welcomed and should be addressed as specified above. 11

Important information 12

Important information Issued by Lloyds Bank International Limited trading as Lloyds Bank. Registered Office and principal place of business: PO Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank International Limited 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. Copies of our terms and conditions and latest report and accounts are available upon request from the above registered office. Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice. The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business. 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. The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law 1994, the Protection of Investors (Bailiwick of Guernsey) Law 1987 (as amended) 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 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 five year period. Full details are available on the Scheme s website www.dcs.gg or on request from: Telephone: +44 (0) 1481 706359 Post: P.O. Box 53, 1 Smith Street, St Peter Port, Guernsey GY1 4BD. 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, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278 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 lloydsbank.com/international Any additional benefits and services provided by third parties will be under separate agreements between you and the relevant third party; we make no representation in relation to, and accept no responsibility for, the provision of these additional benefits and services. Lending and the issue of a Debit Card or Credit Card are at the Bank s discretion and you must be 18 or over to apply. Security may be required. The Bank may, before opening an account, wish to take up references or otherwise satisfy itself as to the identity and suitability of an applicant. The Bank may also at any time refuse to open or continue an account or refuse any deposit. Lloyds Bank Travel Insurance is underwritten by AXA Insurance UK plc. Registered in England No 78950. Upgrades and Medical screening are sold, administered and underwritten by AXA Insurance UK plc. Registered Office and principal place of business: 5 Old Broad Street, London EC2N 1AD. A member of the AXA Group of Companies, AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. In order to maintain a quality service, telephone calls may be monitored or recorded. The Law of England and Wales applies. The Card Loss Assistance service is provided by Citymain Administrators Ltd. (part of the SPB UK & Ireland Group Companies), registered in England and Wales, Company No: 03979666. Registered office: Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX.

I'd like to open an Island Gold Account Go to lloydsbank.com/islands u Visit your local branch Õ Call us Jersey 03457 309461 Guernsey 03457 309373 Isle of Man 03457 301280 Lines open 24 hours a day, seven days a week. To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored. OB2205 (02/16)