Lloyds Bank Lancashire and Cumbria Banking Team

BACKING YOUR AMBITION
GARETH OAKLEY
Managing Director of SME Banking, Lloyds Bank
2
Our goal is to be the best bank for our clients.
We’ll invest time in understanding your business,
and commit to building a strong
local banking relationship
focused on helping you achieve your goals.

Area Director Lancashire & Cumbria SME Local Banking
David Mitchell, Email david.mitchell21@lloydsbanking.com, Tel 07525 697015
3
ROLE
I Manage a team of Eight
Managers covering
Lancashire & Cumbria,
supporting businesses with a
turnover up to £25m
QUALIFICATIONS
ACIB
Qualified
BACKGROUND
28 years experience within
LBG, 11 years as a
relationship manager and 8
years as Area Director based
in North West England

WITH A LOCAL BANKING TEAM IN LANCASHIRE & CUMBRIA
Garry Birchall
Relationship Director
£10m-£25m Turnover
Lancashire & Cumbria
garry.gp.birchall@
lloydsbanking.com
Tel: 07500 811116
4
Johnathon Townsend
Relationship Manager
£2.5m-£10m Turnover
Preston & Blackpool
johnathon.townsend@
lloydsbanking.com
Tel: 07725 426630
Di Davies
£2.5m-£10m Turnover
Cumbria, Lancaster & East
Lancs
Di.Davies@
lloydsbanking.com
Tel: 07725 426651
Steve Smith
£1m-£2.5m Turnover
Carlisle & North Lakes
steve.smith3@
lloydsbanking.com
Tel: 07725 425593

Joanne Etherington
Preston & Blackpool
joanne.etherington@
lloydsbanking.com
Tel: 07764 625979
5
Jennie Guy
Blackpool & Preston
Jennifer.guy@
lloydsbanking.com
Tel: 07725 426650
Chris McNicholas
Kendal & East Lancs
Chris.mcnicholas@
lloydsbanking.com
Tel: 07725 425592
Will Macdonald
Lancaster & South Lakes
William.macdonald@
lloydsbanking.com
Tel: 07725 426134

You have access to a wide range of specialists through your relationship team
Rob Walters
Invoice Finance
Regional Manager
rob.walters@
lloydsbankcf.co.uk
Tel: 07809 584936
6
Paul Keys
Director
Mid & SME Financials
Markets
paul.keys@
lloydsbanking.com
Tel: 07881 512938
Malcolm Woodall
International Business
Manager
malcolm.woodall
@lloydsbanking.com
Tel: 07739 817822
Angela Parry
Regional Manager
HP & Leasing
angela.parry@
lloydsbankcf.co.uk
Tel: 07342 082454

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You have access to a wide range of specialists through your relationship team.
Joanne Douthwaite
Area Relationship Manager (Lex)
joanne.douthwaite@lexautolease.co.uk
Tel: 07785 459889
Colin Robinson
Client Development Manager (Cardnet)
colin.robinson@lloydsbanking.com
Tel: 07468 743892

THROUGH RELATIONSHIPS AND SERVICE
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Giving you
the flexibility to
seize business
opportunities.
We want to
commit to
a long-term
relationship with
your business.
TEAMWORK
Our senior management,
partner company
specialists and credit
teams work together to
respond quickly to your
needs.
We have a
commitment to
continue to support
businesses with
lending, and to
continue to grow
our lending each
year on a
net basis.
COMMITMENT
We have pledged
to remain an active
lender and proactive
supporter of business
growth throughout the
economic cycle.
We spend our time
adding value to your
business through
targeted, quality
guidance, and by
providing the right
products, such as
working capital
solutions to support
your growth.
EXPERTISE
Local banking relationship
managers looking
after similar sized
businesses locally in
dedicated portfolios.
We invest the time to
understand your
business and to ensure
we can support your
ambitions, with a
dedicated client
services team to
ensure you
have additional
day-to-day contact.
RELATIONSHIP
A manager who takes
responsibility for your
whole relationship with
Lloyds Bank.

9
Lloyds Banking Group figures correct as at 30 September 2015. 8 out of 10 relates to period April 2012 to September 2015. The Lloyds Banking Group includes
companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group
can be found at lloydsbankinggroup.com
LLOYDS BANKING GROUP – BACKING YOUR AMBITION
* FDs’ Excellence Awards in association with ICAEW and supported by the CBI and Real Business. For more information, visit lloydsbank.com/bankoftheyear

£4bn 80%
HELPING BRITISH BUSINESS PROSPER – LLOYDS BANKING GROUP
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IN A FLAT LENDING MARKET, WE
ARE GROWING OUR SME LENDING
YEAR ON YEAR BY
WE APPROVE 8 OUT OF
10 LOAN AND OVERDRAFT
APPLICATIONS
COMMITMENT TO LEND A TOTAL OF
TO MANUFACTURERS BETWEEN 2014–17
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies.
More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com
Lloyds Banking Group lending figures
correct as at September 2015
80% relates to period
April 2012 to September 2015
£1.5bn
NET LENDING TO SMEs IN THE 12 LAST MONTHS TO
SEPTEMBER 2015
2 years
THE FIRST UK BANK TO FORM A STRATEGIC PARTNERSHIP
WITH UKTI TO SUPPORT UK EXPORT AMBITIONS

WITH LENDING AND WORKING CAPITAL SOLUTIONS
Whatever you need funding for, we have a range of lending products to meet your needs.
11
Lending Product Key Benefits
Variable Rate Term Loans/Commercial Mortgages
To support a business’ purchase of new or current premises or
the expansion of their existing ones.
 Terms of up to 25 years.
 All loan products and sectors are included within the Funding for
Lending Scheme, as well as lending for real estate activities.
Asset Finance
To fund assets including: commercial/HGV vehicles,
machinery, plant and manufacturing equipment.
 A response within 24 hours.
 Competitive rates.
Fixed Rate Term Loan*
Flexible rates and terms to suit your needs.
 Market rates with fixed terms up to 25 years.
 All loan products and sectors are included within the Funding for
Lending Scheme.
 Options for maximum break costs on fixed rate loans.
Enterprise Finance Guarantee (EFG)
Access funding when you lack security, or want to free up your
overdraft.
 Variable or fixed rates of interest available.
 Capital repayment holidays available.
Business Growth Fund (BGF)
Long-term capital funding designed to help privately-owned
profitable businesses’ investment for growth.
 Up to ten years funding with flexible investment structures tailored to
individual business needs.
 By having a seat on your board, BGF offers vital additional business
guidance.
Any property given as security which may include your home, may be repossessed if you do not keep
up repayments on your mortgage or other debts secured on it.
*There is always a possibility that interest rates may go down leaving a fixed rate loan at a higher level compared to a variable rate loan.
However, if interest rates rise, a fixed rate loan will remain at the same rate.
All lending is subject to a satisfactory credit assessment.

WORKING CAPITAL SOLUTIONS – COMMERCIAL FINANCE
We offer a range of commercial finance solutions to enhance your cash flow and
help you manage your cash and assets more efficiently.
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Product Key Features
Invoice Finance (Factoring
and Invoice Discounting)
 A cash injection or predictable cash flow helping you plan ahead
more confidently.
 Receive up to 90% of the value of invoices typically within 24 hours.
 The level of available funding can grow as your business does.
Asset Based Lending
Support growth through off-balance
sheet funding with finance that grows
in line with your business.
 Works alongside Invoice Finance to provide fast access to working
capital.
 Free up funds tied up in inventory, plant and machinery.
 Inventory funding mechanism for manufacturers, which helps raise
finance on the high levels of inventory required to run your business
smoothly.
 Most of our Commercial Finance specialists have funding discretion and can approve at a local level
often with a quick turnaround.
 We don’t have call centres, just local client managers.
 We are the largest Invoice Finance provider in the UK market.
 We are a member of the Asset Based Finance Association and subscribe to its Code of Conduct.
40+ years
Our experience in providing
Invoice Finance means you
can be confident in dealing
with one of the UK’s leading
finance providers. Our
relationship managers
have expertise in all types
of businesses.

What can we fund?
Funding is available for key
growth assets, such as:
• New and used vehicles
• Construction equipment
• Engineering machinery
• Medical equipment
• Farm equipment
LENDING AND WORKING CAPITAL SOLUTIONS – ASSET FINANCE
In addition to a traditional business overdraft, we also offer Hire Purchase and Leasing solutions
to help you invest in equipment, machinery and vehicles in an efficient and affordable manner.
Product Key Features
Hire Purchase
 Hire Purchase should be considered if you don’t want to pay upfront for the
full ownership of an asset.
 Spread the cost over a term, you can utilise essential equipment without
the initial cost.
 A one-off payment fee at the end of the term is required to transfer
ownership to you.
Finance Lease
 A Financial Lease will allow you to benefit from the immediate use of a new
asset without the upfront costs and ownership of the asset.
 Rental payments on an agreed term allow you to utilise a new asset for the
time you require it.
 A fast efficient, phone-based service or a dedicated relationship manager for businesses
with a large turnover.
 A speedy response within 24 hours to funding requests for Hire Purchase.
 Specialist sector support including construction, engineering, manufacturing, plant hire,
printing, transport, business services and professional practices.
 Competitive interest rates.
13

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INTERNATIONALLY – OUR GLOBAL CONNECTIONS
COVERING 100 COUNTRIES
Countries
20
28
30
14
8
100
Continent
Africa
Americas
Asia
Europe
Middle East
Local Network Banks
Standard Bank, Standard Chartered and local regional banks
Scotiabank and local regional banks
ANZ, ICICI and Standard Chartered
Crédit Agricole and local regional banks
Leading local banks
OUR OFFERING
Extensive global connections through
arrangements with key network banks.
In-country expertise and specialist knowledge
of the local legislative environments.
Comprehensive guarantee solutions delivered
with our key network banks.
Indicative and competitive up front pricing,
with individual quotes provided upon request.

SUPPORTING INTERNATIONAL TRADE – EFFICIENT BANK SOLUTIONS
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Our products and services are designed to make international trade as smooth as possible.
Information
Our online solutions provide
information and fingertip
control:
 Lloyds Online
Trade Services – view,
monitor and manage
your trade activity.
 Arena – our
comprehensive
e-solution combining
foreign exchange and
money markets trading
with economic insight.
 TravelLink – order
currency online for
secure delivery to
any UK based office.
Security
To help you trade more
securely internationally,
our services include:
 Urgent and non-urgent
payment mechanisms.
 Documentary credits
or collections.
 Bonds and Guarantee
services.
 Single European
Payment Area (SEPA)
Direct Debits.
 100% of transactions
are processed in the
UK
Efficiency
International accounts:
 Euro accounts for
businesses trading
in Euros.
 Foreign currency
accounts for
businesses making
transactions
in foreign currencies.
 Currency loans for
trading internationally.
Partnership
In March 2015 Lloyds Bank was
the first UK Bank to enter into a
strategic partnership with UK
Trade and Investment (UKTI).
 This two year partnership will
help UK businesses to export
and to attract inward
investment into the UK.
 Its aim is to help UK exports
reach £1trn by 2020.
 It will increase the number of
businesses helped by Lloyds
Bank to trade internationally to
75,000 by 2017.
 It is supporting efforts to double
the UK’s stock of foreign
investment by 2020.

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OUR INTERNATIONAL PRODUCT CAPABILITIES – OVERVIEW
A simple and cost-effective way to enable payments between key
network banks.
Key capabilities to keep your international trade running smoothly.
Documentary
Collections
Letters
of Credit
Bonds &
Guarantees
Foreign Exchange
(FX) Services
To support you to deal confidently with your suppliers or your buyers,
secure in the knowledge that payment will be made if the transaction
is carried out according to the terms, and is crucially supported by
a bank guarantee of payment.
To support your ability to perform under a contract or meet payment
obligations. They may also be used to underpin any bid to win new
business.
A good way to help manage exchange rate risks and can be tailored
to your specific needs.
To help you to improve your credit management and free up cash flow
to support business growth.
A comprehensive range of finance solutions to help fund your working
capital, whether buying or selling.
Invoice
Financing
Trade
Finance
To support your trade needs
WORKING
CAPITAL
MANAGEMENT
RISK
MANAGEMENT

Stage 2.
Tailor financial solutions to meet your needs
Through building the timeline, we can provide
bespoke trade solutions for your needs in both
risk management and working capital.
Stage 2Stage 1
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TAILORED TRADE SOLUTIONS – EXAMPLE
Putting your needs first, our specialist teams will work with partner networks and use expert trade
knowledge to deliver the right banking solutions.
-30 0 30 45 100
Tendering
Contract Signed
Goods Shipped
Supplier Paid
Goods Arrive
Invoice Sent
Invoice Paid
Letters of Credit
Trade Finance
Invoice
Financing
Letters of Credit
Bonds & Guarantees
Commercial
events and
timelines
Improve
Working
Capital
Mitigate
Risk
Client needs Tailored solutions
Stage 1.
Initial assessment to understand your needs
By conducting an initial timeline assessment, we
get a full understanding of the critical commercial
and geographic events in your trade cycle.
60 70
Documentary
Collections
Documentary Collections
Illustrative purposes only
Foreign Exchange (FX) Services

18
SUPPORTING YOUR INTERNATIONAL NEEDS – ARENA
I need market insight to help inform my decision-making
I want to make the most of Term Deposits
 With Arena, you can place Term Deposits in a range of currencies.
 Real-time rates are available for differing amounts and tenors to help you decide the
best time to place your deposit.
I need to transact Foreign Exchange quickly and confidently
 Make the most of Lloyds Banking Group’s liquidity, power and size in the global markets
by transacting Foreign Exchange with Arena.
 Real-time charts of live, streaming rates and historical market data give you a clear view
of exchange rate volatility, helping you to decide the best time to trade.
 Rate alerts allow you to be notified when the market reaches your desired level.
 Our research team specialises in understanding and interpreting macro trends in the UK
economy and their implications on the financial market.
 In addition to our economic research, our relationship with a major news agency delivers
breaking news from around the globe straight to your desktop.
Arena combines
Foreign Exchange and Term
Deposits with insight, analysis
and reporting - all in a single,
customisable interface.
Whether you want a view of
the whole market or just the
fine detail that’s important to
your business, Arena puts
you in control.
For more information visit:
lloydsbankarena.com

1in 28
new vehicle registrations
through Lex Autolease in 2014.*
VEHICLE FLEET MANAGEMENT AND FUNDING – LEX AUTOLEASE
19
The UK’s leading fleet management and funding specialist, helping you meet the challenges of
running your vehicles
Sale and Leaseback
 Sell your current vehicles
to Lex Autolease, which
they then lease back to
you.
 This helps you release
valuable capital for your
business to use
elsewhere.
 It also removes the
associated risk, servicing
and maintenance of
vehicle ownership, saving
your business time and
costs.
 Budget more effectively
by agreeing a fixed
monthly cost.
 VAT efficient solutions
for most businesses.
 Optional maintenance
facility for hassle-free
vehicle management.
 Free up your working
capital facilities to use
elsewhere within your
business.
Contract Hire
 Save time with reduced
administration.
 Cost savings through
competitive prices and the
best resale prices achieved
at the end of the contract.
 Better Management
Information (MI) control
through detailed reports
identifying fleet running
costs.
 ‘Driveaway’ vehicles:
readily available vans
with optional racking.
Commercial Vehicle Team
15+
major awards won in the last ten
years for sustainability,
customer service and skill
development, highlighting our
commitment to excellence.
307,000
cars and vans under
management as at
August 2015.
*1 in 28 registrations based on total Lex Autolease car and light commercial vehicle registrations and total UK car and light commercial vehicle registrations published
by the Society of Motor Manufacturers and Traders, January to December 2014. Lex Autolease is part of Lloyds Banking Group.

DEPOSITS
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Safe and flexible business savings and term deposit accounts.
Flexible Base Rate Tracker Deposits
Our partial withdrawal fixed term account gives you the fixed interest rate benefit of a 12 month term,
with the knowledge that, during the term, you can access 20% of your funds if you need to. If funds aren’t
needed immediately, our 32 day notice account offers a highly competitive mix of liquidity and returns.
Fixed Term Deposits
Our fixed term accounts enable you to choose an investment period that meets your needs and allow
you to earn a fixed rate for the whole period with complete peace of mind that your funds are safe.
Notice Accounts
For funds that aren’t needed immediately, our notice accounts offer competitive terms.
Instant Access Deposit Accounts
If you have a fast moving cash flow, our instant access account helps you make the most of your day
to day surpluses.
Layering
Our liquidity specialists can suggest strategies to layer your deposit funds and ensure
they create the maximum yields for you, while still allowing regular access to funds.
We have a dedicated Liquidity Solutions
team whose focus is on building
longstanding relationships with you and
your relationship team to support a
range of liquidity management solutions:
 Risk management: including
developing bespoke liquidity
management strategies.
 Structuring guidance: optimising
liquidity and yield through cash flow
analysis for your business.
 Market updates: pricing trends and
regular market updates to ensure
your business is kept abreast of key
developments.
Liquidity Specialists

ONLINE BANKING
Supporting your business goals by providing flexible and convenient ways of managing your money.
21
Business Internet Banking
Putting you in control of your finances and giving
you time to concentrate on what is important
– your business.
Benefits include:
 A secure service.
 Access statements and transfer money instantly.
 Manage international payments, standing orders
and Direct Debits.
 Text (SMS) update service.
Mobile App.
Secure access to manage your business accounts
on the go via our banking app*.
Benefits include:
 Easy to use platform allowing for ease of checking
balances.
 Secure log-in and an online fraud guarantee.
Corporate Online
If you need control over your online banking
set up with access to an extensive range of
online payment options, Corporate Online
will meet your needs.
Corporate Online provides comprehensive
information and financial reporting on demand
and carries out multiple transactions in seconds.
Benefits include:
 Access to your account and statements 24/7**.
 View statements on an easy-to-use platform.
 Import payments and export account information
saves you time and provides improved data
accuracy.
 Secure log-in via card and reader.
 Online payment and authorisation control
via System Administrator function.
2,000,000
views per month in 2014 on
our dedicated internet site.
* We don’t charge you for Mobile
Banking but your mobile operator
may charge you for certain services
such as downloading or using the
app, so please check with them.
Our new app requires iOS 7.0
or above, or Android 4.1 or above.
Internet Banking registration required.
Services may be affected by
phone signal and functionality.
Use of Mobile Banking is subject
to our Business Internet Banking
Terms and Conditions.
** Occasionally we may need to carry
out essential maintenance, resulting
in some interruption to service.

LLOYDS BANK CARD SERVICES
22Cardnet® is a registered trademark of Lloyds Bank plc.
Cardnet® is our merchant service solution designed
to make it easy for you to accept card payments,
whether you are getting started or switching
provider.
 One of the UK’s leading card processors.
 Accelerated settlement options via Faster
Payments.
 Solutions that suit the way you trade: face-to-
face, online or on the telephone.
 Reporting tools to support reconciliation and
visibility.
 Support teams based in the UK.
Commercial Cards Cardnet
Access to our Commercial Cards and Specialist Card
Solutions provide you with key business benefits
supporting working capital and effective management of
business spend:
Convenient - Flexible - Control
 Receive detailed statements to monitor spending.
 Manage individual cardholder limits and revolve
balance on Business Credit Cards.
 Online access via internet banking.
 Up to 45 days interest free credit on Sterling
transactions.
 Balances paid in full by Direct Debit.
 Unlimited number of cardholders.
 Worldwide acceptance.
 Keep business expenses separate.
 Automatically reclaim VAT with our MultiPay Card.

23
PRIVATE BANKING
WEALTH MANAGEMENT
We provide a range of life, pensions and
investment solutions for personal
financial planning. These are aimed at
supporting clients in their long-term
financial planning.
PROTECT
We can help you develop a plan that
seeks to provide financial support should
the unexpected happen.
PRIVATE BANKING
We can support eligible clients with their
personal financial planning needs. Our
advisors can provide access to a range of
products and services across banking,
investment management, deposits,
mortgages*, unsecured lending*, estate
administration and tax services.
SPECIALIST SERVICES
Financial advice where required, to help you
manage your personal financial goals.
MANAGE
Keep track of your personal finances
alongside your business finances.
PERSONAL
Service from a Private Banking and
Advice Manager who works closely with
you to understand your needs and develop
a personalised plan to help you meet your
short and long-term financial goals.
Supporting your personal financial wellbeing alongside your business finances.
To take advantage of our Private Banking service, you’ll need to have at least £100,000 in savings and investments or a sole annual income of at least £100,000. Eligibility criteria
may apply for certain services and products through Private Banking; these will be fully discussed along with any fees or costs which may be applicable. Before any services or
products are provided to you we will explain what advice we can give and what products and services this covers, and any advice or product charges that apply and agree these
with you. *Lending is subject to status and application. Security may be required. Your home may be repossessed if you do not keep up repayments on your mortgage.

PROTECTING YOUR BUSINESS – BUSINESS INSURANCE
24
Keeping your insurance programme aligned to your current business activities helps ensure you continue to have the
protection you need. We work alongside one of the largest insurance brokers Arthur J. Gallagher to support your
requirements.
Who are Arthur J. Gallagher?
 One of the UK's leading
commercial retail insurance
brokers, arranging insurance for
most sizes and types of business.
 Team of property experts
supported by a UK branch network
with the ability to offer a local
service.
 Have access to a wide range
of leading insurers.
 Conduct a technical audit on
your existing programme, ensuring
peace of mind that your assets
are protected adequately and
competitively priced.
 Offer the ability to place cover at
short notice, utilising competitive
internal market facilities.
What they do:
 A tailored service offering, based
upon your individual requirements
and circumstances.
 With face to face technical and
specialist advice supported by
a risk management team.
 Offering an integrated claims
proposition.
How they work:

MOVING TO LLOYDS BANK
We have a dedicated team to support you every step of the way
when opening a new commercial bank account.
25
4: Review
A member of our team will be in touch to advise you that your account is live
and will ensure you have everything you need.
3: Implementation
We will confirm your account details. A member of our team will contact
you to set up internet and telephone banking.
2: Activation
A pack will be sent to you containing the information we have gathered and
suitable arrangements will be made with you to provide any further
documentation required.
1: Preparation
We will contact you at a convenient time to gather relevant information.
A DEDICATED
ACCOUNT SWITCHING TEAM
AND NAMED CONTACT
You will be provided with
a named contact and a direct line to
our dedicated team,
who will stay in touch with you to
ensure that everything goes
smoothly whilst your account
is being set up.

BUILDING BUSINESS RESILIENCE
26
SUPPORT FOR SMEs
 Our website features information on business resilience,
the circular economy and the benefits of being a
sustainable business.
 Use our policy writing guide and example templates
to prepare for contracts that require an environmental
or Corporate Social Responsibility (CSR) policy.
 We will continue to develop our relationship managers’
knowledge on sustainability and share this knowledge
with our clients.
Sustainability and resilience are major considerations for businesses today. We are offering support to help
you become more resilient by identifying the potential risks and opportunities within your business.
Lloyds Bank fully understands the importance of
sustainability to businesses today and that’s why we have
made a commitment to support 10,000 SMEs to become
more resilient by planning and taking action on
sustainability by 2020.
Use the tool to help you identify
opportunities to manage
resources in a sustainable way
and drive down costs. The tool
incorporates:
 Easy ways to save money.
 Managing fuel, energy and
transport.
 Reducing water consumption.
 Waste management.
 Employee engagement.
 Supply chain management.
Free Sustainability
Planning Tool Download posters, created with
the Energy Saving Trust, to drive
behaviour change within your
business. Six designs available.
Free Posters
For more information and to download the posters, visit:
lloydsbank.com/sustainability

BACKING YOUR AMBITION RESPONSIBLY
27
£22m
to be raised by 2020 through our charity of
the year to those in need in the local community.
1,800
mentors to be trained to support SMEs and
social entrepreneurs by 2017 through the
Business Finance Taskforce accredited
scheme. Meanwhile, we have supported over
900 SME businesses and 750 social
entrepreneurs through these schemes.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies.
More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com
We are committed to a 7-point Helping
Britain Prosper Plan, supported by over
20 measurable metrics. These include:
For more information about our Helping Britain Prosper
Plan, please visit
lloydsbankinggroup.com/prosperplan
BBC Children in Need share the same goal as Lloyds Banking Group in
supporting communities across the UK and will be our Charity of the Year for 2015
and 2016. Colleagues will fundraise together with customers to ensure that
children and young people can have a safe, happy and secure childhood and the
chance to reach their potential.
£4m £10m 25,979
Invested in financial
and management
training since 2010.
Colleagues spent a day helping
local charities and community
organisations in 2015.
Over £4 million raised
so far for our Charity
of the Year BBC Children
in Need.

2828
WITH AN AWARD WINNING SERVICE
YEARS
FDs’ Excellence Awards in association with ICAEW and supported by the CBI
and Real Business. For more information, visit lloydsbank.com/bankoftheyear
BEST BANK (UK) 2013 – 15
Lloyds Banking Group was voted Best Bank (UK) in 2013,
2014, 2015 at the Euromoney Awards for Excellence.
BUSINESS BANK OF THE YEAR
2005 – 2015
We have been voted Business Bank of the Year at the
FDs’ Excellence Awards for the 11th year consecutively.

IMPORTANT INFORMATION
This presentation is for information purposes only. It is intended as a summary only and whilst it contains some information about the potential risks and benefits
of various products and services it should not of itself form the basis for any investment decision. Whilst Lloyds Bank plc has exercised reasonable care in
preparing this presentation and any views or information expressed or presented are based on sources it believes to be accurate and reliable, no representation or
warranty, express or implied, is made as to the accuracy, reliability or completeness of the information with other information which you have received from us,
you should refer this to your Lloyds Bank relationship team for clarification.
If you have a hearing or speech impairment you can use Text Relay (previously Typetalk) or if you would prefer to use a Textphone, please feel free to call us on
0345 601 6909 (lines open 7am-8pm Monday-Friday and 9am-2pm Saturday).
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Please note any data sent via email is not secure and could be read by others.
Lloyds Bank plc registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone 0207 626 1500.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration
Number 119278. We subscribe to The Lending Code; copies of the Code can be obtained from lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Please note that due to FSCS and FOS eligibility criteria not all Business customers will be covered.
Invoice Finance, Asset Finance, Asset Based Lending and Debtor Protection facilities are provided by Lloyds Bank Commercial Finance. Payroll Finance facilities
are provided by Cash Friday. Lloyds Bank Commercial Finance and Cash Friday are trading names of Lloyds Bank Commercial Finance Ltd. Registered office:
No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011. Lloyds Bank Commercial Finance Limited is part of Lloyds Banking Group
and is authorised and regulated by the Financial Conduct Authority for activities relating to certain types of consumer credit which are regulated under the
Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation
Authority. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing
services that you can comfortably afford.
Lloyds Bank Private Banking Limited. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2019697. Authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 122626.
Lloyds Bank plc is an introducer to Arthur J. Gallagher Insurance Brokers Limited who arrange and administer Lloyds Bank Business Insurance Services
and source products from a panel of insurers.
Introductions will be made to selected companies within the Lloyds Banking Group. The Lloyds Banking Group includes companies using brands
including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at
lloydsbankinggroup.com
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Lloyds Bank Lancashire and Cumbria Banking Team

Lloyds Bank Lancashire and Cumbria Banking Team

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