How did we work out what the account benefits are worth?

Silver account
Gold account
Platinum account
Premier account

Your Silver account is worth up to £275 a year

Benefit	Worth up to (per year)	Based on
European Travel Insurance	£113	A Lloyds TSB travel insurance policy for two adults to Europe only. Correct as at February 2012.
AA Breakdown Cover	£59	Single Personal AA Breakdown Cover including Roadside Assistance (payment by Direct Debit November 2011 rate), plus Accident Management. Comparison price excludes any online or other discounts.
Mobile Phone Insurance	£83	A Vodafone Mobile Phone Insurance Policy as at November 2011.
Sentinel Card Protection	£20	Sentinel® Card Protection for one year. Correct as at November 2011.

View Silver Account

Your Gold account is worth up to £472 a year

Benefit	Worth up to (per year)	Based on
Worldwide Travel Insurance	£281	A Lloyds TSB worldwide travel insurance policy for two adults. Correct as at February 2012.
AA Breakdown cover	£59	Single Personal AA Breakdown Cover including Roadside Assistance (payment by Direct Debit November 2011 rate), plus Accident Management. Comparison price excludes any online or other discounts.
Mobile Phone Insurance	£83	A Vodafone Mobile Phone Insurance Policy as at November 2011.
Sentinel® Card Protection	£20	Sentinel® Card Protection for one year. Correct as at November 2011.
Save What Matters^TM	£20	The Phones 4U Store My Numbers service. Correct as at November 2011.
Interest and fee-free Planned Overdraft	£9	The overdraft worth values represent the annual saving in interest and fees based on the average overdraft usage of Gold, Platinum and Premier customers.

View Gold Account

Your Platinum account is worth up to £742 a year

Benefit	Worth up to (per year)	Based on
Worldwide Travel Insurance	£409	A Lloyds TSB worldwide travel insurance policy for two adults including winter sports upgrade. Correct as at February 2012.
AA Breakdown Cover	£169	Single Personal AA Breakdown Cover including Roadside Assistance, Home Start and Relay (payment by Direct Debit November 2011 rate), plus Accident Management. Comparison price excludes any online or other discounts.
Mobile Phone Insurance	£83	A Vodafone Mobile Phone Insurance Policy as at November 2011.
Sentinel® Card Protection	£20	Sentinel® Card Protection for one year. Correct as at November 2011.
Save What Matters^TM	£20	The Phones 4U Store My Numbers service. Correct as at November 2011.
Interest and fee-free Planned Overdraft	£41	The overdraft worth values represent the annual saving in interest and fees based on the average overdraft usage of Gold, Platinum and Premier customers.

View Platinum Account

Your Premier account is worth up to £1,144 a year

Benefit	Worth up to (per year)	Based on
Worldwide Travel Insurance	£460	A Lloyds TSB worldwide travel insurance policy for a family including winter sports. Correct as at February 2012.
AA Breakdown Cover	£212	Single personal AA Breakdown Cover including Roadside Assistance, Home Start, Relay and Stay Mobile (payment by Direct Debit October 2010 rate), plus Accident Management. Comparison price excludes any online or other discounts.
Mobile Phone Insurance	£166	Two Vodafone Mobile Phone Insurance Policies as at November 2011.
Home Emergency Cover	£100	A Lloyds TSB Home Emergency policy. Correct as at November 2011.
ID Aware	£83	The standard ID Aware product (when paid for monthly). Correct as at November 2011.
Sentinel® Card Protection	£20	Sentinel® Card Protection for one year. Correct as at November 2011.
Save What Matters^TM	£20	The Phones 4U Store My Numbers service. Correct as at November 2011.
Interest and fee-free Planned Overdraft	£83	The overdraft worth values represent the annual saving in interest and fees based on the average overdraft usage of Gold, Platinum and Premier customers.

View Premier Account

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.