Common use of Changes to Terms and Conditions Clause in Contracts

Changes to Terms and Conditions. When we can make changes 29.1 We can: a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 We can change the reference exchange rates we use at any time. 29.5 We may change interest rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional charges. 29.6 If we increase the interest rates we pay you on the current account, then: 29.7 We will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 The new terms will apply to your account automatically at the end of the notice period. If you do not want to agree to the change, you can close it without paying any extra charges or interest, at any time until the change takes effect. If you do not close your account, we will assume you have accepted the change.

Changes to Terms and Conditions. When we can make changes 29.1 33.1 We can: (a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or (b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; (c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or (d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 . Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 33.2 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you . You will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 33.3 We can change the reference standard exchange rates we use at any time. 29.5 We may change interest rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional charges. 29.6 33.4 If we increase the interest rates we pay you on your account (a) the current account, then:new rate will apply immediately; and 29.7 We (b) within the next 30 days we will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 33.5 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 33.6 The new terms will apply to your account automatically at the end of the notice period. If , but if you do not want to agree to the change, you can switch your account or close it without paying any extra charges or interest, at any time until the change takes effect. If you do not switch or close your account, we will assume you have accepted the change.

Changes to Terms and Conditions. When we can make changes 29.1 28.1 We can: a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 . Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 28.2 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 28.3 We can change the reference exchange rates we use at any time. 29.5 28.4 We may change interest can make changes to our reference exchange rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in immediately and without giving advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional chargesnotice. 29.6 28.5 If we increase the interest rates we pay you on the current account, , then: 29.7 We a) the new rate will apply immediately; and b) within the next 30 days we will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 28.6 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 28.7 The new terms will apply to your account automatically at the end of the notice period. If you do not want to agree to the change, you can close it without paying any extra charges or interest, at any time until the change takes effect. If you do not close your account, account we will assume you have you've accepted the change.

Changes to Terms and Conditions. When we can make changes 29.1 27.1 We can: a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 . Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 27.2 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 27.3 We can change the reference exchange rates we use at any time. 29.5 27.4 We may change interest can make changes to our reference exchange rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in immediately and without giving advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional chargesnotice. 29.6 27.5 If we increase the interest rates we pay you on the current account, , then: 29.7 We a) the new rate will apply immediately; and b) within the next 30 days we will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 27.6 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 27.7 The new terms will apply to your account automatically at the end of the notice period. If you do not want to agree to the change, you can close it without paying any extra charges or interest, at any time until the change takes effect. If you do not close your account, account we will assume you have you've accepted the change.

Changes to Terms and Conditions. When we can make changes 29.1 31.1 We can: (a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or (b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; (c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or (d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 . Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 31.2 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you You will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 31.3 We can change the reference standard exchange rates we use at any time. 29.5 We may change interest rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional charges. 29.6 31.4 If we increase the interest rates we pay you on your account (a) the current account, then:new rate will apply immediately; and 29.7 We (b) within the next 30 days we will tell you about the change on our website, by branch notices, , statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 31.5 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 31.6 The new terms will apply to your account automatically at the end of the notice period. If , but if you do not want to agree to the change, you can switch your account or close it without paying any extra charges or interest, at any time until the change takes effect. If you do not switch or close your account, account we will assume you have accepted the change.

Changes to Terms and Conditions. When we can make changes 29.1 28.1 We can: a) increase or decrease interest rates and charges to take account of an actual, or reasonably expected, change in the interest rates we have to pay for example as a result of a change to the Bank of England Base Rate; or b) increase or decrease our interest rates and charges and change any other terms (including the availability of account services) to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or d) make changes to our interest rates, charges or any other terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 . Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 28.2 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do this, we will always explain how the change will affect you, you will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 28.3 We can change the reference exchange rates we use at any time. 29.5 28.4 We may change interest rates applied to your Account: i. If will always give you at least 14 days advance notice in writing of the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional chargesour reference exchange rates. 29.6 28.5 If we increase the interest rates we pay you on the current account, then: 29.7 We a) the new rate will apply immediately; and b) within the next 30 days we will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 28.6 We will give you at least two months' notice before we make any other changes. 29.9 If we make any material change, or many minor changes are made in one year, we will provide a copy of the new Terms and Conditions, or a summary of the changes. You can also view the Terms and Conditions on our website. 29.10 28.7 The new terms will apply to your account automatically at the end of the notice period. If you do not want to agree to the change, you can close it without paying any extra charges or interest, at any time until the change takes effect. If you do not close your account, account we will assume you have you've accepted the change.

Changes to Terms and Conditions. When 15.1 Without affecting our right to vary our Charges (as set out in Clause 10 above), we can may at our discretion make changes 29.1 We can: a) increase changes to this Agreement at any time, including but not limited to changes to ensure compliance with legal or decrease interest rates and charges regulatory requirements, to rectify errors or omissions or to take account of an actualreorganisations within the Lloyds Banking Group, to change the scope of the Service, to improve security or reasonably expected, change in the interest rates we have to pay for example as a result take account of a change changes to the Bank of England Base Rate; or b) increase or decrease our interest rates and charges and change any other terms systems (including payment systems) or rules applicable thereto. Changes will be notified to you in writing by post or by e-mail and in either case we may direct you to www. xxxxxxxxxxxxxxxxxxxxxx.xx.xx where details of the availability of account services) change are posted. 15.2 If we intend to reflect an actual, or reasonably expected, change in: (i) our underlying costs; or (ii) law or regulation, codes of practice or industry guidance that applies to us, a ruling of a court, ombudsman or similar body or undertaking given to a regulator; or (iii) our way of doing business, including the introduction of new technology; c) make a change to our interest rates, charges or any other term, that is for your benefit for example, we might make these conditions fairer or easier to understand, correct mistakes or reflect changes in technology; or d) make changes to our interest rates, charges or any other these terms to reflect any other actual or reasonably expected change that affects us if it is reasonable for us to pass on the impact of the change to you. 29.2 Any change we make will be reasonably proportionate to the impact of the underlying change on us. We will not make changes to cover the same cost twice. 29.3 We may also make changes to our interest rates, charges or any other terms without a particular reason. For example, increased competition may require us to change how we provide our services and what we charge for them. If we do thisconditions, we will always explain how the change will affect you, you will be able to end this agreement without extra cost if you do not want to accept the change. 29.4 We can change the reference exchange rates we use at any time. 29.5 We may change interest rates applied to your Account: i. If the change is to your advantage, we will tell you about the change within 30 days of the change; and ii. If the change is to your disadvantage, we will inform you before any other changes about in advance a period of 14 days. If you are dissatisfied with the changes, you will have a right to close your Account without loss of interest or any additional charges. 29.6 If we increase the interest rates we pay you on the current account, then: 29.7 We will tell you about the change on our website, by branch notices, statement messages or inserts or by writing to you (this can include email) or by any combination of these methods. 29.8 We will give you at least two months' ’ written notice before we make any other changes. 29.9 If we make any material changethe changes come into effect, or many minor unless the changes are made required due to a change in one yearrelevant legislation or regulations and we are prevented from giving you two months’ written notice. In those circumstances, we will provide give you as much written notice as possible. 15.3 We will notify you of changes to these terms and conditions by post, by e-mail, through any online service which you receive from us or in any other way which we have agreed with you. In the notice, we may direct you to our Website where the most recent terms and conditions are posted. During the period before a copy change comes into effect, you may reject the change, provided that you notify us of this in writing. In such circumstances, your notice of rejection of the new Terms change will be deemed to be a notice that you wish to stop receiving the Services and Conditions, or a summary of the changesAgreement will terminate on the day before the change takes effect. You can also view the Terms and Conditions on our website. 29.10 The new terms will apply to your account automatically at the end not incur any additional charges as a result of the notice periodchoosing this course of action. If you do not want to agree to the change, you can close it without paying any extra charges or interest, at any time until the notify us before a change takes comes into effect. If you do not close your account, we will assume treat you as if you have accepted the relevant change. 15.4 If we add new products or services to the Agreement or add to the ways that you can use the Services (and this does not otherwise change these terms and conditions), this will not be treated as a change and, as a result, we will not be required to give two months’ written notice of this to you. 15.5 Changes to the Payment Scheme Exchange Rate will take effect immediately as such changes are made by Mastercard.