EMTN, GMTN, Low Denomination EMTN Programmes and ESG Bonds & Term Deposits
Terms and Conditions of Access to the Website
BEFORE ENTERING THIS WEBSITE, PLEASE READ CAREFULLY THE FOLLOWING IMPORTANT TERMS AND CONDITIONS THAT GOVERN YOUR ACCESS TO, AND USE OF, THIS WEBSITE, AND ACKNOWLEDGE YOUR AGREEMENT TO THEM. IF YOU AGREE TO THE TERMS, CLICK 'I AGREE' AT THE BOTTOM OF THIS PAGE TO ENTER THIS WEBSITE. IF YOU CLICK 'I DO NOT AGREE' YOU WILL NOT BE ABLE TO ENTER THIS WEBSITE.
Access to and use of this website (the Website) is conditional upon agreement to and compliance with the terms and conditions of access to the website (the Terms and Conditions).
You acknowledge and agree to the Terms and Conditions and agree not to undertake any act or omission that would constitute a breach of these Terms and Conditions.
Access to and use of the Website
The materials on the Website are directed to persons in and resident in the United Kingdom only. The materials on the Website are intended for use by authorised users only and may not be published, copied or distributed to any other person. Your access to this Website may be restricted by applicable law, and you must seek your own advice in relation to and observe any such restrictions.
Nothing in the Website is, or is to be construed as, an offer of or invitation to subscribe for, underwrite or purchase securities in any jurisdiction.
You agree that you have not made and will not make any offer of securities referred to on the Website (the Securities) other than in accordance with applicable law and regulation.
Nothing in the Website constitutes an offer of securities for sale in the United States. The Securities may not be offered or sold in the United States absent registration or an exemption from registration under the Securities Act of 1933, as amended (the Securities Act). It is not intended that the Securities will be registered under the Securities Act or any U.S. state securities laws.
You will use the Website solely for your own use in accordance with the Terms and Conditions.
You will not engage in any activities related to the Website that are contrary to applicable law or regulation.
The Website may contain other proprietary notices and copyright information, the terms of which must be observed and followed.
Further Acknowledgements and Disclaimers
You acknowledge and agree to the following:
Residence in the UK. You are located in and resident in the United Kingdom.
No duty to update or correct materials. The materials included on the Website are historical in nature and only current as of the date of the materials. Neither Lloyds Banking Group plc nor any of its subsidiaries or subsidiary undertakings (Lloyds Banking Group) nor any other party has any duty to maintain or update any material on the Website. Historic performance information with regard to any security is no indication of its future performance.
You should not assume that the information contained or incorporated by reference in any document on the Website is accurate as of any date other than the respective date set forth therein or the date of the information incorporated therein.
Changes to materials. Lloyds Banking Group may remove or make changes to the materials available on the Website at any time.
Third party materials. Information on the Website sourced from third parties (the Third Party Materials), including (without limitation) offering circulars, prospectuses, listing particulars, pricing supplements, reports, agreements, summaries, models, commentary and other materials, has been obtained from sources believed to be reliable, but Lloyds Banking Group does not warrant its completeness or accuracy. Lloyds Banking Group has no obligations in respect of Third Party Materials (including as to verifying or correcting Third Party Materials or publishing materials relating to Third Party Materials). Posting Third Party Materials on the Website does not imply any endorsement, adoption of or responsibility by Lloyds Banking Group for the opinions, ideas, products, information or services offered therein, or any representation regarding the content of any Third Party Materials.
Lloyds Banking Group Positions. Lloyds Banking Group may have its own interests in relation to the issuers or any affiliates of the issuers of Securities or transactions mentioned on the Website.
Disclaimer of Advice. The Website does not purport to provide any financial, investment, tax, accounting or legal advice or recommendation. Before you enter into any transaction in relation to the Securities, you should obtain your own independent advice from your professional accounting, legal, regulatory, tax or other advisers.
Click Through. Any acknowledgment, agreement or other type of click through button on the Website that is selected to evidence agreement or an acknowledgement shall have the same force and validity as a paper copy of an agreement that has been manually signed and delivered.
Discontinuance and disruption of service. Lloyds Banking Group or its suppliers may discontinue the Website at any time.
Rule 144A. You are not a 'U.S. person' (as that term is defined in Regulation S under the Securities Act) and not in the United States (as that term is defined in Regulation S under the Securities Act).
Unauthorised use of the Website including but not limited to unauthorised entry into such entities' systems, or misuse of any information posted to the Website, is strictly prohibited.
Information contained in the Website may not be distributed (whether in whole or in part) to or used by any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
Limitation of Liability
Lloyds Banking Group and third party data providers are not responsible for any errors in or omissions from the information contained in or accessed through the Website (including all information, tools and materials contained on the Website).
The Website may contain statements that constitute forward-looking statements with respect to forward-looking statements with respect to the business, strategy and plans of Lloyds Bank plc or Lloyds Banking Group plc and their current goals and expectations relating to their future financial condition and performance. Statements that are not historical facts, including statements about Lloyds Bank plc's or Lloyds Banking Group plc's or their respective directors' and/or management's beliefs and expectations, are forward-looking statements. Words such as 'believes', 'anticipates', 'estimates', 'expects', 'intends', 'aims', 'potential', 'will', 'would', 'could', 'considered', 'likely', 'estimate' and variations of these words and similar future or conditional expressions are intended to identify forward looking statements but are not the exclusive means of identifying such statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will occur in the future.
Examples of such forward-looking statements include, but are not limited to, projections or expectations of Lloyds Bank plc's or Lloyds Banking Group plc's future financial position including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, expenditures or any other financial items or ratios; statements of plans, objectives or goals of Lloyds Bank plc or Lloyds Banking Group plc or their respective management including in respect of the integration of HBOS plc and the achievement of certain synergy targets; statements about the future business and economic environments in the United Kingdom and elsewhere including future trends in interest rates, foreign exchange rates, credit and equity market levels and demographic developments and any impact on Lloyds Bank plc or Lloyds Banking Group plc or their respective subsidiaries and subsidiary undertakings; statements about strategic goals, competition, regulation, disposals and consolidation or technological developments in the financial services industry; and statements of assumptions underlying such statements.
To the greatest extent permitted by applicable law and regulation, Lloyds Banking Group will have no tortious, contractual or any other liability to you or any third party arising in connection with the use of the Website, or reliance on any information or services provided in this Website.
Lloyds Banking Group will under no circumstances be liable to you or any third party, regardless of the form of action, for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if Lloyds Banking Group has been advised of the possibility of such loss or damages. Nothing set out above or below shall limit or exclude liability of Lloyds Banking Group:
(i) for personal injury arising from negligence;
(ii) for fraud, gross negligence or wilful default; or
(iii) for damages that may not be limited or excluded under applicable law and regulation.
You agree that the limitations and exclusions set out above and below are reasonable having regard to all the relevant circumstances and the levels of risk associated with your and Lloyds Banking Group plc's obligations under these Terms and Conditions.
If any provision of these Terms and Conditions is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, then (i) that shall not affect the other provisions of these Terms and Conditions which shall remain in full force and effect; and (ii) if that provision would be valid or enforceable if part of that provision were deleted, then that provision shall apply with such modification(s) as may be necessary to make it valid and enforceable.
These Terms and Conditions and any non contractual obligations arising out of or in conjunction with it, will be governed by, and construed in accordance with, the laws of England and Wales. The English courts will have jurisdiction to settle any disputes which may arise in connection with these Terms and Conditions.