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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

How much we lend (if any) depends on your circumstances. You must be 18 or over and a UK resident to apply. Overdrafts are repayable in full on demand.

*There are a few exceptions to this, so you could still go into an Unplanned Overdraft in situations, including: - If you’ve used your Visa debit card somewhere where a retailer can’t check with us, like on an aeroplane. - If the Planned Overdraft limit on your account is reduced and you don’t have enough money to keep within your new limit.