lloyds bank lancashire and cumbria banking team

BACKING YOUR AMBITION

GARETH OAKLEYManaging Director of SME Banking, Lloyds Bank

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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 [email protected], Tel 07525 697015

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ROLE

I Manage a team of Eight Managers covering

Lancashire & Cumbria, supporting businesses with a

turnover up to £25m

QUALIFICATIONS

ACIBQualified

BACKGROUND

28 years experience within LBG, 11 years as a

relationship manager and 8 years as Area Director based

in North West England

mailto:[email protected]

BACKING YOUR AMBITION WITH A LOCAL BANKING TEAM IN LANCASHIRE & CUMBRIA

Garry BirchallRelationship Director£10m-£25m TurnoverLancashire & Cumbria

[email protected]: 07500 811116

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Johnathon TownsendRelationship Manager£2.5m-£10m TurnoverPreston & Blackpool


Di Davies Relationship Manager £2.5m-£10m Turnover Cumbria, Lancaster & East Lancs


Steve SmithRelationship Manager£1m-£2.5m TurnoverCarlisle & North Lakes









Joanne EtheringtonRelationship Manager £1m-£2.5m TurnoverPreston & Blackpool


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Jennie GuyRelationship Manager £1m-£2.5m TurnoverBlackpool & Preston


Chris McNicholas Relationship Manager £1m-£2.5m TurnoverKendal & East Lancs


Will MacdonaldRelationship Manager £1m-£2.5m Turnover Lancaster & South Lakes











You have access to a wide range of specialists through your relationship team

Rob WaltersInvoice Finance Regional Manager


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Paul KeysDirectorMid & SME Financials Markets


Malcolm Woodall International Business Manager


Angela Parry Regional Manager HP & Leasing






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You have access to a wide range of specialists through your relationship team.

Joanne Douthwaite

Area Relationship Manager (Lex)

[email protected]

Tel: 07785 459889

Colin Robinson

Client Development Manager (Cardnet)

[email protected]

Tel: 07468 743892



BACKING YOUR AMBITIONTHROUGH 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.

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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 yearsTHE FIRST UK BANK TO FORM A STRATEGIC PARTNERSHIP

WITH UKTI TO SUPPORT UK EXPORT AMBITIONS

BACKING YOUR AMBITIONWITH LENDING AND WORKING CAPITAL SOLUTIONS

Whatever you need funding for, we have a range of lending products to meet your needs.

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Lending Product Key Benefits

Variable Rate Term Loans/Commercial MortgagesTo 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 FinanceTo 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.

BACKING YOUR AMBITION 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 LendingSupport 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+ yearsOur 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

BACKING YOUR AMBITION 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.

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BACKING YOUR AMBITION INTERNATIONALLY – OUR GLOBAL CONNECTIONS

COVERING 100 COUNTRIES

Countries

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28

30

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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.

InformationOur 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.

SecurityTo 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

EfficiencyInternational accounts:

Euro accounts for businesses trading in Euros.

Foreign currency accounts for businesses making transactions in foreign currencies.

Currency loans for trading internationally.

PartnershipIn 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

WORKINGCAPITALMANAGEMENT

RISKMANAGEMENT

Stage 2. Tailor financial solutions to meet your needsThrough 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

TenderingContract Signed

Goods ShippedSupplier Paid

Goods Arrive Invoice Sent

Invoice Paid

Letters of Credit

Trade FinanceInvoice

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 needsBy conducting an initial timeline assessment, we get a full understanding of the critical commercial and geographic events in your trade cycle.

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Illustrative purposes only

Foreign Exchange (FX) Services

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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

https://www.lloydsbankarena.com/

1 in 28new vehicle registrations through Lex Autolease in 2014.*

VEHICLE FLEET MANAGEMENT AND FUNDING – LEX AUTOLEASE

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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.

307,000cars 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.

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Business Internet BankingPutting you in control of your finances and givingyou 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.

2,000,000views 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.

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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

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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.

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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 DEDICATEDACCOUNT 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

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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

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£22mto be raised by 2020 through our charity of the year to those in need in the local community.

1,800mentors 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 25,979Invested 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.

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BACKING YOUR AMBITION 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 – 15Lloyds Banking Group was voted Best Bank (UK) in 2013, 2014, 2015 at the Euromoney Awards for Excellence.

BUSINESS BANK OF THE YEAR 2005 – 2015We 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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http://www.lendingstandardsboard.org.uk/

lloyds bank lancashire and cumbria banking team

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