CREDIT CARDS All you need to know about your Premier Avios Rewards Credit Card Account Including general Credit Card conditions and Reward terms and conditions

Contents Your Credit Card agreement – an explanation 

2

Credit Card features – the plain and simple facts 

4

General Credit Card conditions 

6

Premier Avios Rewards Scheme conditions

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Your Credit Card agreement – an explanation Now that you’re considering a Credit Card we want to help you understand your card’s features – and the agreement you’ll be entering into. This short guide will take you through what you need to know to help you make the right decisions. It will also show you where to look in the Pre-contract Credit Information we give you to find more detail.

Your Pre-contract Credit Information

This has important information about the Key features of your agreement with us. It’s important to read it, as well as the information here, before you sign up for your card. If you’re in branch you can always take the information away with you to read before you do sign up. Of course we’ll always be happy to talk to you about, or explain, your agreement. We can also talk to you about the best borrowing option for your circumstances. You can call us on 0845 606 2174.

Your lending options

There are a number of ways we at Lloyds Bank can help you buy the things you want to buy – including Credit Cards, but also loans, as a Credit Card may be an expensive way of borrowing over a longer term. Each has its own benefits and interest rates will be different. This guide will talk you through what you need to think about if you’re going to take one of our Credit Cards.

The cost of credit

The APR is 52.1% (variable). Here’s an example of how this will work out for you. Say you use your Card to buy something for £1,200 at the start of your agreement. Then you pay it back over a year with 12 equal monthly payments together with interest charges accrued for each month at the standard interest rate for Purchases. The total amount you’d pay back would be £1,453.57. This includes your annual fee of £140 which, for the purposes of this calculation, is assumed to be paid immediately.

Our interest rates and charges

You can find all the detail you need about our interest rates in the Costs of Credit section of the Pre-contract Credit Information, and in condition 4 of your agreement. The same section of the Pre-contract Credit Information and condition 7 of your agreement also has information about any charges we make, including charges for Balance Transfers, Cash Withdrawals, and Cheques. There are different interest rates for different types of Transaction. For example, for withdrawing cash using your Credit Card you’ll always pay more interest than if you used your Card to buy something from a shop. A cash fee will also apply. It will therefore generally be cheaper and safer to use your Card for Purchases rather than Cash Withdrawals. Please note, Cash Withdrawals include advances made by Card or Card number, gambling transactions, Purchases of currency and cash-related Transactions such as the purchase of travellers cheques, money orders, or gaming chips.

Changes to your agreement

Sometimes, and only if we have a valid reason for doing it, we may change the terms of the agreement. This might include interest rates or charges. One of the reasons we might make changes to your interest rate is if our assessment of the risk of lending to you changes. All the details about how we can change interest rates appear in the Costs of Credit section of the Pre-contract Credit Information, and in condition 5 of your agreement. For any other changes we might make, see condition 19.

Paying off your Credit Card

While of course you can pay off your balance in full each month, you may just want to pay off the minimum. This way will cost more in the long run as it will take you longer to clear your balance. To see how we work out the amount of your minimum payment see the Key features of the credit product section of the Pre-contract Credit Information, and condition 2.1 of your agreement.

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If you don’t keep up your payments

You’ll need to keep up with your payments as missing payments could have severe consequences. They will be due by a given date, each month. You need to at least make a minimum payment to avoid our charges for not keeping up with them. If you don’t keep up with your payments the total cost of your debt will go up as you’ll incur a charge and you’ll also keep paying interest on the amount you should have paid. You will also lose the preferential terms that apply to Promotional Transactions as detailed in condition 4.5 of your agreement. That’s why it’s so important to keep to your minimum payment if that’s the option you go for. For more information about our charges when you don’t keep up your payments, see condition 7 of your agreement. Another reason for keeping up your payments is to protect your Credit rating. Missing payments will affect this so could make getting Credit with us – or with others – difficult. If you miss a number of payments then we may take legal action against you. If that action is successful, we may apply to enforce that judgment in a number of ways including getting a charging order against your home, which means that, if your home is sold, the amount you owe us can be paid out of the proceeds of sale. Another thing we could do if you don’t make your minimum payment on time is to make the payment for you from money you have in a current account or savings account with us. This includes joint accounts. We will only do this in line with any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body. If we owe you any money in connection with any Transactions, interest, or charges on your account, we may use that money to reduce any arrears you owe under this agreement. If we intend to do this, we will tell you when we offer to make a payment to you. We will also follow any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body.

Changing your mind about your Credit Card

We always want you to be completely happy with any product and agreement you have with us. This is why your right to change your mind is so important. It means you can withdraw from your Credit agreement with us. You have 14 days starting the day after the day you get your copy of your agreement and your Credit Card. You don’t need to give us a reason. You’ll just need to call us on 0845 606 2174 or write to us at: Customer Services, Lloyds Bank Card Services, PO Box 12304, Edinburgh EH12 9DX. You will need to repay any outstanding balance within 30 days of telling us you’ve changed your mind. Call us and we’ll tell you how much interest is due. You can pay this and your balance off in branch, by sending us a Cheque, using a payment service with another bank, or if you’re registered with them, through our Internet Banking or Telephone Banking services. We do hope that if you do go ahead and take out a Credit Card with us you’ll find it a flexible and handy way to help you manage your finances.

REPRESENTATIVE EXAMPLE The interest rate for purchases is 18.94% p.a. variable with a representative rate of 52.1% APR variable based on your borrowing £1,200 over 12 months. An annual fee of £140 applies. Credit limits and interest rates will vary based on your individual circumstances.

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The plain and simple facts It’s always good to know exactly where you stand. So we’ve put together a table to give you a clear summary of all the key Credit Card features. For more detailed information, take a moment to read the terms and conditions included in this pack. Summary Box – Lloyds Bank Premier Avios Reward Credit Card Account The information contained in this table summarises key product features and is not intended to replace any terms and conditions. APR

Rates from 52.1% APR (variable) to 61.8% APR (variable) including the annual fee, depending on individual circumstances. Effective Monthly Introductory rate annual rate rate Purchases

0% p.a. for Purchases. This rate is fixed for 24 months from when we open your account.

1.456% or 1.667% or 1.941%

18.94% or 21.94% or 25.95%

Cash Withdrawals

Not applicable.

1.456% or 1.667% or 1.941%

18.94% or 21.94% or 25.95%

Balance Transfers

0% p.a. on Balance Transfers you make in the first 90 days after we open your account. This rate is fixed for 24 months from the date the transferred balance is put on your account.

1.456% or 1.667% or 1.941%

18.94% or 21.94% or 25.95%

Interest rates

We may apply the standard interest rate during any special promotion period to any Transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time. Interest-free Period

Interest charging information

• Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.

• No interest-free period on Balance Transfers or Cash Withdrawals. • You will not pay interest on purchases if you pay the full balance

shown on your previous and current statement on time. Otherwise, the period over which interest is charged is as follows: From

Until

Purchases

Date debited to your account.

Paid in full.

Cash Withdrawals

Date debited to your account.

Paid in full.

Balance Transfers

Date debited to your account.

Paid in full.

Allocation of payments

If you don’t pay your balance in full we will allocate to balances with the payments highest interest rates before balances with lower interest rates. See section 6.1 of the terms and conditions for full details.

Minimum repayment

An amount equal to the total of interest, default charges, one twelfth of the annual fee and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).

Credit Limit Fees

Charges

Foreign usage

Default charges

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Minimum Credit Limit

Subject to status. Your cash limit is 50% of your actual limit.

Maximum Credit Limit

Subject to status.

An annual fee of £140. Cash Withdrawals

3% minimum £3.

Balance Transfers

3% for each individual Balance Transfer.

Copy statements

£6 for copies of non-current statements.

Copies of Transactions

£5 for each copy of a record of a Transaction.

Payment Scheme Exchange Rate

Indicative rates can be found at www.mastercard.com/global/ currencyconversion/index

One or more of the following may apply: Foreign Exchange Transaction fee

None.

Cash fee

3% minimum £3.

Late payment charge

£12.

Returned payment charge

£12.

Over limit charge

£12.

Credit Cards are designed to be a flexible form of borrowing. Paying the minimum amount every so often can help you manage your money more effectively, although we would not recommend that you make minimum payments for a long period of time once your promotional offers have ended. Once your account is open, you can set up a Direct Debit for any fixed amount over the minimum payment by calling 0845 606 2172. Lines are open Monday–Friday 8am–10pm, Saturday–Sunday 8am–6pm. For longer term borrowing, it may be more appropriate to choose a loan from us. If you would like to find out more about this you can call Lloyds Bank Personal Loans on 0800 092 6290, or visit lloydsbank.com/loans or call into a Lloyds Bank branch, where our staff will be happy to help. The following example highlights the difference between only paying the minimum and paying a fixed amount: For a purchase of £1,000 on your Premier Avios Rewards Credit Cards: Monthly payment

If you pay the minimum payment each month

If you pay £50 each month

How much interest will you be charged in the first year?

£0

£0

How much interest will you be charged in the second year?

£146.11

£31.85

How long would it take to clear the balance?

18 years 3 months

1 year 10 months

The above example assumes the following: • The Transaction takes place on 1 January and you make no further Transactions. • You always make the payment each month on the 15th. • Your statement is produced on the 1st of each month. • This is a simple example and does not account for any annual fees or introductory rates. Lloyds Bank is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you’d like to talk to us about the choices you’ve made or would like advice, we will be happy to refer you to a member of staff who will be able to help you. They will also be able to help you if you’re experiencing financial difficulties.

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General Credit Card conditions Conditions 1–10 can be found on your credit agreement.

11. The Card, PIN and Cheques 11.1

You must: • Follow instructions we give you, which we reasonably consider are needed to protect you and us from unauthorised use of your Card or Security Details. • Not use your Card for anything illegal or for any business purpose. • Only use your Card during the valid period on the Card. • Not let anyone else use your Card, Cheques or Security Details. • Keep your Card and Cheques secure and protect them from damage. • Do all you reasonably can to make sure no one finds out your Security Details, for example by not:

–– choosing an obvious PIN. –– writing your Security Details on (or keeping them with) your Card or banking documentation. –– writing your Security Details down in a way that is recognisable. –– letting anyone listen in to your calls with us, or watch you entering or making use of your Security Details.

• If there is a place for signature, sign your Card as soon as you have 11.2

received it. You will not be able to give payment instructions using your Card, Cheques or Security Details if we have stopped, or suspended, your ability to use them. We can do this if we reasonably consider it necessary for reasons relating to: • The security of your account or Security Details. • Suspected unauthorised or fraudulent use of your account or Security Details. • A significantly increased risk that you may be unable to make your repayments.

If we do this, we will tell you as soon as possible. As all Card and Cheques belong to us, we (or a person acting for us, for example, a retailer), may take or retain a Card or Cheque if we stop, or suspend, your right to use your account. You must then stop using the Card, Card number, and Cheques. 11.3

Card chip content is our property and can only be used in accordance with the terms and conditions set out in this agreement.

12. Additional Card 12.1

12.2

12.3 12.4

12.5

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You can name other people as additional cardholders on your account. You can do this in writing or in other ways. If the person you name is eligible, we will send you the additional Card. You must give the additional Card we send you to the additional cardholder and make sure that he or she is aware of, and keeps to, all conditions relating to the use and safety of Cards. For the purposes of this agreement, Transactions made by an additional cardholder will be treated as Transactions made by you. You are responsible for all use of the additional Card. You must pay us for Transactions made by the additional cardholder even if they make you break this agreement. You will also be liable for any charges payable as a result of use by an additional cardholder. We will not give additional cardholders information about your account unless you agree. Contact us on the numbers given in your statement if you wish to cancel the additional Card. If we receive notice of your death, any additional Cards will be cancelled. You must pay for Transactions made by the additional cardholder and charged to your account after cancellation.

13. Lost Cards 13.1

13.2

13.3

13.4

You must contact us urgently if a Card or Cheque is lost or stolen or a Card or your Security Details are misused (or you think they might be). Our address and telephone numbers are: Lloyds Bank plc, Card Services, PO Box 12304, Edinburgh EH12 9DX; phone (24 hours) 0800 096 9779 from UK, +(44) 1702 278 270 abroad. We will keep a record of your call, and may record or monitor the call itself. If you later find the reported Cards or Cheques, you must destroy them. You will not have to pay us anything for unauthorised use of your account unless we can show that you gave someone your Card (or Security Details to make Transactions), or were fraudulent. In this case, you will be liable for all use of the Card before you give us notice under the above condition. You will not have to pay us for unauthorised postal, telephone, or internet Transactions made by someone other than you or an additional cardholder. You must give any information and help we reasonably ask for to deal with misuse or unauthorised access to your account, or in relation to any other Transaction we, the police or other authorities are investigating. We may pass on related information to other banks, to those involved in processing Card payments, or to the police, or other authorities, in the UK or (if appropriate) abroad.

14. Transactions and Credit Limits 14.1

14.2

14.3

14.4

We are entitled to assume we are dealing with you, and that you have agreed to us acting on any instructions, without getting further confirmation from you: • If you ask us to make a payment using your Security Details (for example a Card and PIN at a cash machine or the passwords you have chosen for Telephone or Internet Banking) as long as any relevant security checks have been completed by us or, in the case of a Card with contactless functionality, using that functionality. • Otherwise, if you have signed a Cheque or other document containing the payment instruction. You must not go over your credit limit. We can decline Transactions that are over that limit. But, if as a service to you, we authorise them, you have to pay the charges in condition 7 for going over your limit. If you try and make a payment for which you do not have Credit, we may refuse to carry out the Transaction. When we work out the Credit available on your account to authorise new Transactions, we include authorisations for Transactions we have already given but which have not yet been applied to your account. You can tell us if you want a lower credit limit on your account or if you do not want your credit limit to be increased. You can also tell us if you do not want to receive any credit limit increases in the future. We may require minimum limits. We may refuse to carry out a Transaction or to allow you to make a payment into your account (as appropriate) if: • You have exceeded a limit which we have applied to your account or in relation to the Transaction (such as a daily limit on Cash Withdrawals, if we apply one). • The payment instruction is not clear or you have not provided us with the correct details. • It seems unusual compared with the way you normally use your Card (see also condition 14.5). • We otherwise reasonably consider it necessary to protect the security of your account. • We reasonably believe that you have used or obtained, are using or obtaining or may use or obtain, a service or money illegally or fraudulently.

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• We reasonably believe that someone else may have rights over

14.5

money in your account (in this case we can also ask (or require you to ask) a court what to do, or do anything else we reasonably need to do to protect ourselves). • Any other reason set out separately in this agreement applies. We use systems to identify Transactions that seem unusual and help us prevent the misuse of your account. If we think a Transaction involves misuse, we may tell the retailer to turn down the Transaction or to check with us before processing the Transaction. So there might be a delay before a retailer agrees to a Transaction, and you might not always be able to make a Transaction straight away, or at all. • If you are thinking of making an unusual Transaction, please let us know beforehand so we can try to avoid delays. • We may contact you about any Transactions made using your Card that seem unusual. We will not be liable for any loss to you as a result of any delay or if we do not allow the Transaction to be made for this reason.

14.6

14.7

14.8

We may refuse to carry out a Transaction or refuse to allow you to make a payment into your account if we reasonably believe that doing so might cause us (or another company in the Lloyds Banking Group) to breach a legal requirement or might expose us (or another company in the Lloyds Banking Group) to action from any government or regulator. In addition, we may decide not to process payments to or from a limited number of countries or allow you to make Card payments there. We will tell you which countries if you ask us or if you try to make a payment there. If we refuse a Transaction or refuse to allow you to make a payment into your account or are unable to carry out a Balance Transfer then (unless the law prevents it) we will, at the earliest opportunity, try to let you know of our refusal or that we are unable to carry out your Balance Transfer request. For Purchases, the retailer will be told of the refusal and is likely to ask for alternative payment. For Cash Withdrawals, the cash machine will state if the Transaction is declined. You can also contact us to find out why we have refused and whether there is anything you can do to deal with the problem that led to our refusal (unless the law prevents us from telling you). If you wish to cancel a Transaction: a. We cannot cancel a Purchase once you have given your consent to make the payment to a retailer (you will need to contact the retailer separately). However, if you wish to cancel payments made on a regular basis using your Card, such as magazine subscriptions, you can ask us to stop the payment no later than the close of business on the Business Day before the payment was due to take place. We also advise you to contact the person you make the payment to so that they do not keep trying to take the payment. You will need to contact them if you want to cancel your agreement with them in any case, as we cannot do that for you. You will also need to tell anyone you make regular payments to if your account is closed or your Card number changes otherwise they may not be able to collect your payments. If you do miss a payment for this reason, we will not be liable to you for any loss you suffer as a result. b. If you tell us to make any other type of Transaction we cannot change or cancel your instruction as we start processing it when we receive it. In some cases, we may be able to cancel a Transaction at a later time; you can call us to find out whether this is possible.

14.9

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If you ask us to make a Balance Transfer we need to approve your request. Once we approve your request, we will transfer the agreed amount from your account the same day and use the Faster Payment Scheme if it is available and the lender you are transferring the funds to is a member of the Faster Payment Scheme. The payment will normally reach the other lender by the next Business Day.

14.10

14.11

14.12

If the lender you are making the transfer to is not a member of the Faster Payment Scheme we may not be able to carry out your request for a Balance Transfer. If we cannot make the Transfer using the Faster Payment Scheme then you can contact us to see if there is any other method available to make the Transfer. We are not liable for failing to make a Transfer if the lender you are making the Transfer to is not a member of the Faster Payment Scheme.

15. Payments into your account 15.1

15.2

15.3

15.4

15.5

15.6

15.7

15.8

15.9

You must make all payments in pounds sterling, and on time. You won’t break this term if a payment is late because we’ve failed to process it as soon as we get it. We’ll give you guidance on making payments to reach us on time and on the clearing times for cheque payments and automated payments. When a payment clears depends on how the payment is made and where it has come from. We apply the payment to reduce the balance on your account when we receive it, unless we receive it on a non-Business Day, or after the cut-off time on a Business Day, in which case we will apply it at the start of the next Business Day. The cut-off time is the time towards the end of the Business Day, by which we must receive all payments if they are to be processed that day. The cut-off time is different for payments in branches and electronic payments. You can ask us for further information about the relevant cut-off times. We may sometimes tell you that you may miss a monthly payment. If you want to do this, we will continue to charge interest on your account, but we will not charge you a late payment fee. You must repay the amount of overlimits and arrears as soon as we ask you to. Any payments you make will pay off the longest outstanding arrears first. If you miss a minimum payment one month your statement for the next month will show that month’s minimum payment together with the minimum payment you failed to make the previous month. If you pay a set amount by Direct Debit, we reduce the Direct Debit to pay off your balance if that is all you owe, or increase it if the set amount is less than your minimum payment. We will issue you with a monthly statement, and it will include information about Transactions, payments towards your account, charges and currency conversions on your account. It is your responsibility to ensure that you read your statements and any other information provided with them, whether you receive them as paper or electronically. You must pay us even if you do not get your statement. You should tell us as soon as possible if your statement seems wrong or if you do not receive your monthly statement. You authorise us to make payments due to us under this agreement from current or savings accounts you have with us (including joint accounts) if you don’t pay them on time yourself. We will only do this in line with any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body. If we owe you any money in connection with any Transactions, interest, or charges on your account, we may use that money to reduce any arrears you owe under this agreement. If we intend to do this we will tell you when we offer to make a payment to you. We will also follow any relevant guidance in a Code of Practice that applies to us, or as required by our regulator or another similar body. You must not make payments or transfer funds from another Credit or store Card to your account that would leave a Credit balance on your account. We may return any funds that exceed the balance owing on your account to the account from which the money has been sent.

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16. Refunds 16.1

You can ask us to refund a Purchase if the conditions set out below are satisfied. We may ask you to provide information which is reasonably necessary to investigate whether or not you are entitled to the refund. In addition, you may also find it helpful to contact the retailer who was paid. The conditions are that: • The payment was made to a retailer in the EEA (which includes Norway, Iceland and Liechtenstein as well as EU member states). • You did not agree a specific amount when agreeing to make the payment. • The payment amount turned out to be more than you could have reasonably expected in the circumstances (including your previous spending patterns). • You ask us for the refund within eight weeks of the date the payment was made from your account. If you query the payment more than eight weeks after it was taken from your account, or the payment was made to a retailer outside the EEA, we are not obliged by law to make a refund ourselves but we will tell you if we can help or suggest other steps you could take.

16.2

We will otherwise only credit refunds for Purchases when we receive proper vouchers or confirmation acceptable to us and we normally charge interest until then. We will refund interest on Transactions that were incorrectly charged to your account.

17. Changing your Card Type 17.1

17.2

We may issue a different Card Type from the one you applied for to be used alongside or instead of an existing Card. Your signature on the agreement will be taken as your request for us to do so. If you change to another Card Type we may give you a new Card or account number. You will be able to keep your old Card Type if it is available by telling us within 30 days and returning the new Card. If a change to your Card Type is to your disadvantage condition 19.3 will apply. The terms that apply to any Promotional Transactions will not be affected if we give you a new Card Type and we will tell you if there are any changes to the interest rates, charges, credit limits and promotional schemes.

18. Ending the agreement 18.1

18.2

This agreement can be ended by you under condition 8 and by us giving you two months notice, or immediate notice in exceptional circumstances. In both cases: • You must stop making any Transactions, return all Cards and Cheques (cut in half) and cancel instructions or authorities you have given others to charge your account. • The agreement will continue until you have repaid all amounts you owe us including Transactions, fees and charges added to your account after we received your notice, or gave you notice. We may require you to repay the full amount you owe under this agreement if you die, are made bankrupt or break this agreement repeatedly or seriously, but we will follow legal requirements for your protection before we ask you for payment. Cheques must be returned to us or destroyed immediately if you die or are made bankrupt.

19. Changes 19.1

We may change charges (or introduce new charges), minimum payment amounts, statement dates, payment dates, and your credit limit. These changes may be personal to you and based on a number of factors such as increased or decreased Credit risk (for example, there will be an increased Credit risk if you have regularly failed to comply with important obligations to us) and the way you use your account (for example, we may reduce the number of days between the statement date and the payment date if you always pay off your balance in full).

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19.2

19.3

We may also make other changes to the conditions to: • Make a change to your benefit, or not affecting your rights or obligations. • Meet legal or regulatory requirements. • Correct errors, omissions, inaccuracies or ambiguities. • Reflect changes to the structure of our group. • Cover service differences for new computer or other processes. • Bring us into line with market practice. • Reflect changes in customer demand or requirements. Other than a change in interest rates or a change to your credit limit, we will give you at least one month’s notice of any other change in these conditions. If a change in these conditions (other than a change in interest rates or a change to your credit limit) is to your disadvantage you can: • Write to us within 60 days to close your account – the change in conditions will not disadvantage you in the meantime. • Continue this agreement unchanged if you tell us before the change takes effect, return Cards and Cheques, and make no new Transactions.

20. General 20.1

20.2

20.3 20.4

20.5

20.6

20.7

20.8

20.9

20.10

We will contact you using the contact details you give us. Where we say we will write to you we will send a letter, unless we are able to write to you individually in some other way (such as by email or text) and we reasonably think it is appropriate to do so. You must tell us if your name or contact details change – you can do this by visiting a Lloyds Bank branch or sending us a change of name/ address form (which you get in branch or online). If you do not tell us, we will go on using the details you last gave us, and we will not be responsible if we fail to contact you or if we send confidential information to the wrong address using out-of-date details. We may charge you our reasonable costs of finding you (or trying to find you) if your contact details are not up to date. You may not Transfer any of your rights or obligations under this agreement. We may Transfer our rights and obligations under this agreement (including our obligation to lend) to someone else but your rights under this agreement will not be affected if we do so. A person who is not a party to this agreement shall not have any right under the Contracts (Rights of Third Parties) Act 1999 or otherwise to enforce this agreement. This agreement is unsecured regardless of the terms of any security charge you may have given, or may in the future give, to us in relation to other borrowings. We may offer (and withdraw) extra benefits and services. These conditions apply to them unless they are not appropriate or we agree different terms. We may choose not to enforce our contractual rights against you and make this contractually binding against us by giving you a notice which expressly states that we have chosen to do so under this term of the agreement. In all other cases, if we choose not to exercise rights against you, we can still do so later. We are not liable if a retailer or another bank (or its cash machine or other machine) does not accept your Card or Card number. Where you wish to pay a retailer, its bank will tell it whether to accept or refuse the payment. You can usually use our cash machines and your Card to make Purchases, at any time but occasionally, repairs, updates and routine maintenance on our systems and those of our suppliers may mean that a particular service cannot be used for a short time (usually just minutes).

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20.11

20.12

20.13

20.14

20.15

20.16

We will not be liable if we break this agreement because of: • Abnormal and unforeseeable circumstances outside our control, where we could not avoid breaking this agreement despite all efforts to the contrary – this may include, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures; or • Our obligations under UK or European Community law. As this agreement is made with you as a personal customer, we will not be liable for any business losses or costs you suffer (such as loss of business profits or opportunities). Nothing in this agreement limits our liability for acting fraudulently or very carelessly or otherwise excludes or limits our liability to the extent we are unable to exclude or limit it by law. English law governs this agreement and any pre-contractual negotiations, unless your address on the application is in Scotland, when Scots law applies. General law (for example, about banking or consumer protection) applies to this agreement and the services we provide to you under it. For further information about your statutory rights contact your local Trading Standards Department or Citizens’ Advice Bureau. Unless the general law cannot be changed or excluded this agreement applies if there is any difference between it and the general law.

21. Defined terms “Balance Transfer”: any amount (minimum £100 or another amount we tell you) we allow you to transfer to or from another UK account. “Business Day”: Monday to Friday (other than English bank holidays). “Card”: any Credit Card issued under this agreement (including renewal, replacement and additional cards). “Card Type”: any Card we issue under the Visa, MasterCard®, American Express® or any other card acceptance scheme. “Cash Withdrawal”: cash withdrawals, advances made by Card or Card number, gambling transactions, purchases of currency and cash related transactions, such as the purchase of travellers cheques, money orders or gaming chips. “Cheque”: any cheque we issue for you to use with your account. “Lloyds Banking Group”: includes us and a number of other 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 “PIN”: Personal Identification Number. “Promotional Transaction”: a Transaction that preferential terms (such as lower interest rates) apply to for a specified period. We will tell you these terms before you make the Transaction. “Purchase”: a payment for goods or services that you make or authorise by Card or Card number. “Security Details”: processes or agreed security procedures, that use, for example, a password or other information, security numbers or codes or PINs, used to make an instruction or confirm your identity, and which may be used in combination with your Card. “Transaction”: Purchases, payments by Cheque, Cash Withdrawals, and Balance Transfers. “We”/“Us”/“Our”: Lloyds Bank plc, and any person we may transfer our rights or duties to.

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Your Lloyds Bank Premier Avios Rewards Credit Card Account is a single credit card account, with a single credit limit, operating with two credit cards, a Lloyds Bank Premier Avios Rewards American Express® Card and a Lloyds Bank Premier Avios Rewards MasterCard® Card.

Lloyds Bank Premier Avios Rewards Scheme Conditions

These Conditions set out how you, the main cardholder named in the agreement for your Credit Card Account, may earn and use Avios under the Lloyds Bank Premier Avios Rewards Scheme (the “Reward Scheme”). These Conditions will also be subject to the Credit Card Conditions and the Avios Conditions. The Lloyds Bank Premier Avios Rewards American Express Card is issued and administered by Lloyds Bank Plc pursuant to a licence from American Express. American Express® is a registered trademark of American Express Company. Words used in these Conditions beginning with a capital letter are defined in the Credit Card Conditions or in these Conditions.

DEFINITIONS:

“Avios” means the Avios you earn for each Eligible Transaction which can be used in accordance with the Avios Conditions. “Avios Group” means Avios Group (AGL) Limited. Registered in England under Company No. 2260073. Registered address Astral Towers, Betts Way, London Road, Crawley, West Sussex, RH10 9XY. “Avios Conditions” means the agreement between you and Avios Group for the Avios Scheme. “Conditions” means these Lloyds Bank Premier Avios Rewards Scheme Conditions. “Credit Card Account” means your Lloyds Bank Premier Avios Rewards credit card account. “Credit Card Conditions” means the conditions that apply to your Credit Card Account. “Eligible Transaction” means a Purchase made by you or the additional cardholder or a Balance Transfer except for Transactions within condition 3.1 below in the ‘Restrictions on the earning of Avios’ section.

1. How to take part 1.1

You can participate in the Reward Scheme if: • you are the main cardholder under a Lloyds Bank Premier Avios Rewards Credit Card agreement; • you are resident in the UK, Channel Islands or Isle of Man; • you have registered with us and opened an account with Avios Group (to whom you must supply an address in the UK, Channel Islands or Isle of Man); • you are 18 or over; and • you are a personal customer. Businesses, partnerships, clubs, and other unincorporated associations are not eligible.

2. How to earn Avios 2.1 2.2

You will earn Avios for Eligible Transactions made by you or the additional cardholder. The number of Avios you earn will be calculated on the basis of your total monthly spend at the end of each statement period. At the point we do this calculation, you will earn: • 1.5 Avios for every full £1 spent on Purchases which are Eligible Transactions using your Lloyds Bank Avios Rewards American Express Card; and • 1.5 Avios for every full £5 spent on Purchases which are Eligible Transactions using your Lloyds Bank Avios Rewards MasterCard.

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2.3 2.4

2.5

2.6

2.7

You will earn 1.5 Avios for every full £5 of a balance transferred to your Credit Card Account. You will only be able to spend your Avios when they have been recorded on your Avios Account in accordance with the Avios Conditions. Information about the Avios that you have earned for Eligible Transactions will be included on your monthly Lloyds Bank Premier Avios Rewards Credit Card statement. You may not receive a statement if you have not used your Lloyds Bank Premier Avios Rewards Credit Card and the balance on your account is nil. The statement is correct at the time of print; if you need an up-to-date account balance, please log onto your Avios account www.avios.com/gb/en_gb/ You must check your monthly statement and notify us immediately if you do not agree with the amount of Avios earned for that period. If this happens we will review your account and if we find there to be a mistake with the amount of Avios we will correct it accordingly. You agree that we can share your personal data with Avios Group. Avios Group may use your personal data to administer your Avios account and contact you with information and offers from Avios Group and Avios scheme partners, to help you earn and redeem Avios. You will also receive statements and information from Avios Group relating to the Avios Scheme. Avios Group will use your data in accordance with their privacy policy; full details of which can be found at www.avios.com/gb/en_gb/about-us/privacy. If you do not want to receive marketing communications, please contact Avios Group via www.avios.com/gb/en_gb/ or call Avios Group on 0844 493 3349 or write to Avios Group at PO Box 90, Birchwood, Warrington WA3 7WE.

3. Restrictions on the earning of Avios 3.1

3.2 3.3

3.4

3.5

You will not earn Avios for the following Transactions: • cash withdrawals; • interest, fees or charges; • transactions at casinos, betting outlets or bookmakers; • payments to offline or online, current, savings, sharetrading, spread betting, gambling or any other similar account; or • fraudulent transactions. You will not be able to earn or redeem Avios if you become resident in any country other than the UK, the Channel Islands or Isle of Man. We may suspend your right to earn Avios for any serious breaches of these Conditions, the Credit Card Conditions or the conditions of any other Lloyds Bank credit card account. If we credit a refund to your Credit Card Account for a Purchase or Balance Transfer we will deduct the number of Avios earned on that Purchase or Balance Transfer. In the event that we have to investigate whether you have made a Purchase which is an Eligible Transaction we may suspend your right to earn Avios on Eligible Transactions.

4. Variation 4.1

4.2

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We may make changes to any of these Conditions in accordance with condition 4.2 below at any time, including the following: • we may introduce other ways of earning Avios; • we may change the rate at which we award Avios; or • we may offer bonus Avios on special promotions. Such promotions will be subject to the terms and conditions published with each offer. We may make changes to these Conditions to: • make a change to your benefit, or not affecting your rights or obligations; • meet legal or regulatory requirements;

• correct errors, omissions, inaccuracies or ambiguities; • reflect changes to the structure of our group; • cover service differences for new computer or other processes; • bring us into line with market practice; • proportionately reflect legitimate increases or reductions in the costs associated with providing the Reward Scheme; or

• reflect changes in customer demand or requirements.

If a change is to your disadvantage, we will give you 30 days’ notice in writing and you can close your Credit Card Account in accordance with the Credit Card Conditions within 60 days of us writing to you about the change (see condition 5.2 below). We may also make changes to these Conditions for any other valid reason not listed above, provided we give you 60 days’ notice in writing and you can close your Credit Card Account in accordance with the Credit Card Conditions within 90 days of us writing to you about the change (see condition 5.2 below).

5. Termination and Transfer 5.1 5.2

5.3

If you terminate these Conditions for any reason your Credit Card Account will also be closed. We will give you at least 30 days’ notice in writing before we end the Reward Scheme. If we end the Reward Scheme, the Avios you have already earned will remain on your Avios Account and you will continue to be able to use your Avios in accordance with the Avios Conditions. We may transfer all of our rights and obligations under these Conditions without any further consent. By agreeing to the Credit Card Conditions and these Conditions you agree that we may disclose or transfer all information we hold about you to a prospective or actual new owner. Such a disclosure will not affect your rights.

6. The Avios Conditions 6.1 6.2

6.3

You must also read the Avios Conditions which can be found at www.avios.com/gb/en_gb/ If there is a conflict between the Credit Card Conditions and these Conditions on the one hand and the Avios Conditions on the other, the Avios Conditions shall prevail insofar as the relevant rules affect or purport to affect the Avios Scheme. We will not be responsible for any losses on the occurrence of any of the following events where such events are caused by factors beyond our reasonable control: • delay in opening an account by Avios Group; • unauthorised redemption of Avios; • failure or delay by Avios Group or any other person to provide goods or services; or • loss or damage caused by goods or services supplied or requested in connection with the Avios Scheme. The Avios Scheme is managed by the Avios Group (AGL) Limited (Company registration number: 2260073) whose registered office is at Astral Towers, Betts Way, London Road, Crawley, West Sussex, RH10 9XY.

Avios Upgrade Voucher – terms and conditions 1. You will earn one upgrade voucher if you spend a minimum of £5,000 on your Lloyds Bank Premier Avios Rewards Credit Card in a given year. The £5,000 spend threshold excludes cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online, current, savings, sharetrading, spread betting, gambling or any other similar account, or fraudulent transactions.

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2.

3. 4.

5. 6. 7.

8.

9.

10.

11. 12. 13. 14.

15. 16. 17.

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For the purposes of the £5,000 yearly threshold that you must meet to earn an upgrade voucher, the first year runs for 12 months from the date on which you opened your Credit Card Account. Each subsequent year runs to the next anniversary of that date. Once the upgrade voucher has been issued, you will have to await the anniversary of the Credit Card Account before the amount you spend is used as qualifying spend towards your next voucher. Upgrade vouchers are limited to one per year. You will be notified if you have qualified for an upgrade voucher by letter prior to the voucher being awarded to your account. New bookings made using the upgrade voucher must be booked online at www.avios.com/gb/en_gb/. Customers wishing to use the voucher to upgrade an eligible existing booking can do so by telephoning 0844 4933399. Calls cost 5.2p per minute plus a 13.1p one off connection charge from BT unlimited weekend plan. Mobile and other providers may vary. Call costs are correct at September 2013 and subject to change by BT. Mobile and other providers may vary. Only bookings paid for using full Avios are eligible to be upgraded using the voucher. Avios and Money bookings and bookings paid for fully in cash are excluded. The upgrade voucher will be valid for 12 months from the date of issue. Your booking must be made within the 12 month period, after which time the voucher will expire and will not be replaced or extended. Upgrade vouchers can be used to upgrade either 2 one way flights or 1 return journey booked on a British Airways main line service. British Airways codeshare flights are excluded. Flights from London City airport are excluded. Using an upgrade voucher enables customers to upgrade their booking by one cabin class. Customers can upgrade a booking to the class above as follows: • from Euro Traveller to Club Europe; • from World Traveller to World Traveller Plus; or • from World Traveller Plus to Club World. Bookings cannot be upgraded to a First Class Cabin. Airline taxes, fees and charges or Reward Flight Saver (RFS) cost if applicable must be paid on all tickets booked. Customers who upgrade their journey using the upgrade voucher will have to pay the increase in airline taxes, fees and charges or increased RFS cost applicable to the cabin that the customer upgrades to. RFS is available to Avios members who have earned 1 Avios in the preceding 12 months and who book a British Airways flight to a destination in Avios zones 1-3. To find out more about RFS, including the cost, please look at the information on Avios at www.avios.com/gb/en_gb/ The cardholder must travel on any booking made using an upgrade voucher. Customers who have an eligible existing booking made with Avios may use the upgrade voucher if applicable. Upgrade vouchers cannot be used in conjunction with any other offer and are non-transferable and non-refundable. Bookings made using an upgrade voucher are subject to Avios terms and conditions and are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods. Neither Lloyds Bank nor Avios Group (AGL) Limited can guarantee you will be able to use an upgrade voucher on a particular flight. Avios Group (AGL) Limited reserves the right to withdraw or amend this offer upon providing reasonable notice. Avios Group (AGL) Limited cannot accept responsibility for problems arising from computer malfunctions, viruses, bugs or other such causes which may prevent you from taking advantage of this offer.

Lloyds Bank Premier Avios Rewards Scheme Companion Ticket Terms and Conditions 1.

2.

3.

4.

5.

6.

7.

8.

9. 10. 11. 12.

13. 14. 15.

You will earn one Companion ticket if you spend a minimum of £12,000 on your Lloyds Bank Premier Avios Rewards Credit Card within a given year. The £12,000 spend threshold excludes cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online, current, savings, sharetrading, spread betting, gambling or any other similar account, or fraudulent transactions. For the purposes of the £12,000 yearly threshold that you must meet to earn a Companion ticket, the first year runs for 12 months from the date on which you opened your Credit Card Account. Each subsequent year runs to the next anniversary of that date. Once the Companion ticket has been issued, you will have to await the anniversary of the Credit Card Account before the amount you spend is used as qualifying spend towards your next voucher. Companion tickets are limited to one a year. You will be notified if you have qualified for a Companion ticket via a voucher on your Avios online account approximately four weeks after reaching the spend threshold of £12,000. The Companion ticket voucher can be used for flights or Eurostar bookings and will be valid for 12 months, after which time the voucher will expire. All bookings made using the Companion ticket voucher must be paid for in full Avios. Avios and Money bookings and bookings paid for fully in cash are excluded. Companion tickets for flights must be booked online by visiting www.avios.com/gb/en_gb/. Call 0844 4933399 to book Eurostar or if you have any questions. Calls cost 5.2p per minute plus a 13.1p one off connection charge from BT unlimited weekend plan. Call costs are correct at September 2013 and subject to change by BT. Mobile and other providers may vary. Companion tickets used for flights are available on selected routes with British Airways, Flybe, Monarch and Aurigny when used in conjunction with economy class bookings. Airline taxes, fees and charges or Reward Flight Saver (RFS) cost if applicable apply on all tickets booked including the Companion ticket. Routes and airlines are subject to change and availability. RFS is available to Avios members who have earned 1 Avios in the preceding 12 months and who book a British Airways flight to a destination in Avios zones 1-3. Add in: To find out more about RFS, including the cost, please look at the information on Avios at www.avios.com Companion tickets used for Eurostar are available for routes from the UK to Paris, Brussels and Lille, onward travel is not included. Companion tickets may be used for BH standard class only, therefore standard class tickets may still be available direct with Eurostar but not as part of the offer. Once booked, tickets are strictly non-changeable and non-refundable. Avios and Eurostar terms and conditions apply. The Cardholders’ use of a Companion ticket is limited to one ticket per booking. The ‘Companion’ must travel to the same destination and be accompanied by the cardholder. Companion tickets cannot be used in conjunction with any other offer and are non-transferable and non-refundable. All bookings are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods. Avios terms and conditions and the carrier’s conditions of carriage apply. Neither Lloyds Bank nor Avios Group (AGL) Limited can guarantee you will be able to use a Companion ticket on a particular flight or Eurostar journey. Avios Group (AGL) Limited reserves the right to withdraw or amend this offer upon providing reasonable notice. Avios Group (AGL) Limited cannot accept responsibility for problems arising from computer malfunctions, viruses, bugs or other such causes which may prevent you from taking advantage of this offer.

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Find out more

• • •

Go to lloydsbank.com Call 0845 3 000 000 Visit your local branch

Please contact us if you’d like this information in an alternative format such as Braille, large print or audio. If you have a hearing or speech impairment and would prefer to use a Textphone, please feel free to call us on 0845 300 2281 (lines open 24 hours a day, 7 days a week). If you are Deaf and prefer to use BSL then you can use the SignVideo service available on our website: lloydsbank.com/signvideo.asp Your call 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.

Important Information MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a registered trademark of American Express Company. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 119278. Information correct as at March 2016. M60104 (03/16)