sterling, US dollars or euro - Financial Page International Home

01
Welcome
Lloyds TSB International offers a seamless, worldwide personal banking service.
Our multi-currency International Premier Account offers an impressive
range of financial products and services that make it easy to live,
work and travel worldwide.
We’re always close at hand with telephone and Internet banking available
24/7, a dedicated personal relationship manager who knows and understands your
individual requirements and a number of local Lloyds TSB offices to
support you.
And as part of one of the UK’s largest, most trusted and established banks, you
can depend on high levels of security, stability and ethical working practice.
Whether you work or have retired abroad or simply want the security of a
British Bank, we’re here to help you make the most of your finances - wherever
you make your world.
To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
Working abroad
02
Working a
If you work overseas,
you might like to know
that we do too.
Take a look at what the
International Premier Account
offers on page 8.
To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
Naturally, you’ll enjoy a competitive rate of
interest on savings as well as fast, easy access
to your money.
g abroad
Banking built on relationships
24/7 telephone and Internet banking facilities allow you to stay in control of
your day-to-day finances. You can always call your dedicated International
Premier Relationship Manager, who combines a thorough understanding of
international banking and knowledge of your own personal circumstances.
And if you need to talk to somebody face to face, you can also arrange to meet
a visiting relationship manager*.
Worldwide banking, international banking
If you would like to open a local bank account, we will be pleased to introduce
you to a contact at your local bank. We can also arrange international mortgages
in sterling and other currencies through Lloyds TSB Bank plc if you plan to buy
a property. So, however long you stay and however much you travel, you’ll enjoy
the reassurance of a mortgage that moves with you. For a complete list of the
countries where we provide mortgages, please see page 10.
Worldwide benefits
In addition to a seamless personal banking service, Lloyds TSB International also
provides access to expert tax and financial advice whenever you need it, plus a
range of savings and investment products. The International Premier Account
also offers a superb range of value-added benefits such as Priority Pass, country
profiles, and even a concierge service. You can find out more on pages 8 and 9.
However far your job takes you, we make sure your
finances are never left behind.
*
Please contact your relationship manager to find out more about our visiting programme.
03
Working abroad
When your career takes you abroad, whether you
are self-employed or part of a multi-national
corporation, Lloyds TSB International helps take
care of your financial needs every step of the way.
We offer accounts in sterling, US dollars or euro with
debit cards available in all three currencies. Charge
Cards are also available in US dollars and euro.
Retirement abroad
04
Retiremen
When you retire abroad,
your money doesn’t have
to stop working.
Take a look at what the
International Premier Account
offers on page 8.
To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
In short, we recognise the importance of enjoying
the security, stability and benefits you would
expect from a bank at home - even when you
retire abroad.
ent abroad
The straightforward international banking service
As a Premier customer of Lloyds TSB International you have access to your own
personal International Premier Relationship Manager, who is on hand to
discuss your financial needs and offer expert advice on a wide range of savings
and investment products. You also have access to 24/7 telephone and Internet
banking. And if you are planning to purchase a property, our international
mortgages through Lloyds TSB Bank plc, in sterling and other currencies, can
help to make the process as straightforward as possible. For a complete list of the
countries where we provide mortgages, please see page 10.
High interest, low maintenance
Our International Premier Account offers high rates of interest on your savings
and makes it easy to manage any income - such as a pension - and expenses you
may have in the UK. It also provides you with fast, easy access to your money
wherever you settle. Should you find it necessary to open a local bank account,
we will also be pleased to introduce you to a contact at a local bank.
Get more out of life
You will also be able to take advantage of a wide range of tailored, value-added
benefits. From tax advice to discounts on language courses and savings on
English newspaper subscriptions, you can enjoy all the comforts of home in your
new life abroad. See pages 8 and 9 for more details about these.
When you want to make the most of your retirement,
we’ll help you get the most from your money.
05
Retirement abroad
We understand the value of ensuring your savings
and investments are in the right hands. Of being
able to conduct your day-to-day banking quickly
and simply. Of receiving good advice from experts
when you need it.
Secure banking
06
Secure B
You don’t have to be British
to enjoy a British Bank.
Take a look at what the
International Premier Account
offers on page 8.
To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
As a subsidiary of Lloyds TSB Bank plc - a highly
renowned British financial organisation with an
Aaa rating from Moody’s - Lloyds TSB International
can provide the peace of mind you’re looking for.††
e Banking
Your money is a serious matter
The Lloyds TSB International Premier Account offers all the flexibility of a
comprehensive, one-stop international banking service. We help you look after
your wealth, allowing you to open accounts in your choice of sterling, US dollars,
euro or any mix of the three. Whichever currency or currencies you prefer,
we provide debit, credit* and charge cards** to match, whilst you’ll always enjoy
competitive rates of interest as well as fast access to your money.
Lloyds TSB International has the answers
If you have any questions or need advice we’re always here to provide expertise
on a range of financial matters, from long-term savings and retirement plans to
trust funds and insurance. When it comes to tax planning, we can introduce you
to an international expert if required. We also offer a superb range of tailored,
value-added benefits - see pages 8 and 9 for more information.
Whenever you need us, we’re here
Managing your everyday banking is made easy via 24/7 telephone and Internet
banking and a dedicated support team. And if you need to talk to somebody face
to face, you can also arrange to meet a visiting relationship manager***. So no
matter where you are, Lloyds TSB International makes sure you stay in control.
Now you can enjoy all the security of a British Bank,
wherever you are.
† Please see important notes section on the back page.
†† Lloyds TSB Bank plc does not guarantee the liabilities of its subsidiaries. The paid up capital and reserves of Lloyds TSB Offshore
*
**
***
Limited was £259 million as at 31 December 2004. Rules and regulations made under the UK Financial Services and Markets Act
2000, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the
Lloyds TSB group carried out from offices outside the United Kingdom. Please see the important notes section on the back cover.
Credit cards are only available in sterling.
Charge cards are only available in US dollars and euro.
Please contact your relationship manager to find our more about our visiting programme.
07
Secure banking
Selecting the right bank means more than finding
a place to put your money. Long-term security,
confidentiality† and a reputation built on trust are
all inherent demands made by thousands of people
around the world.
08
The International Premier Account
A
Exclusive. Responsive. Rewarding. The International Premier Account
puts you at the centre of an integrated and international banking service
focused on your individual requirements.
Th
si
Whatever you need, whenever you need it, the International Premier Account
brings British banking to you wherever you are - completely free of charge*.
International Premier Account features:
*
• No fees whatever currency or currencies you choose.
Tax
• Makes moving your money easy through telegraphic
transfers, international drafts, direct debits,
standing orders and more...***
• Choice of accounts in three currencies:
sterling, US dollar and euro.
• Debit cards available in all three currencies.
Conducting your banking with us:
• Premier ‘black’ debit cards available in sterling.
• Your own personal International Premier
Relationship Manager.
• Sterling cheque book.
• High interest rates on savings.
• Preferential rates on international mortgages.
• Introduction to a reputable international tax expert who
can provide specialist advice. Your first session is free.
**
• Interest is paid without deduction of tax.
• Advisers in our offices around the world on hand
to help you with opening an account or other financial
matters. Please see the map below.
• 24/7 Internet banking and dedicated 24/7 PhoneBank
to deal with your day to day banking needs.
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* The International Premier account is free of charge to customers who
have balances in excess of £100,000.
** For EU residents a retention tax will be deducted from interest payments
unless they have opted to ‘exchange information’. Please ask us for
further information about the EU Savings Tax Directive. It will be the
responsibility of the customer to discharge any liability to tax arising from
the receipt of gross interest.
*** There may be a charge for some of these services. For a full list of tariffs
please ask for our rates and tariff sheet.
Turn to the back cover
to see a comprehensive list of the
locations of our offices worldwide.
* Only avai
A whole world of benefits and discounts
The International Premier Account is designed to provide more than a
simple answer to everyday financial needs.
From tax advice to comprehensive background reports and significant
discounts on a variety of related services, our benefits are designed to
help you to plan, move, travel and settle down internationally.
Tax advice
Priority Pass
If you require any advice on international tax issues, we will
be pleased to introduce you to an international tax expert
who can provide a solution tailored to your individual needs.
Priority Pass is the world’s largest independent airport
VIP lounge access programme, providing lounge access
irrespective of the choice of airline or class of ticket. As an
International Premier Account customer, you have the option
to subscribe for free annual membership and ten free visits
per year.
Will writing
We can provide an introduction to experienced specialists
who will help you prepare your Will, ensuring your wishes
are properly expressed and can advise on protecting your
estate against death duties.
Lifestyle Service
Together with American Express, we can offer you a range
of US dollar and euro Charge Cards delivering world class
customer service and benefits tailored to complement your
international lifestyle.
The Lifestyle Service makes life that little bit easier both
at home and abroad. Apart from helping you make travel,
hotel and car rental bookings in any country, the service
also provides sightseeing tips and maps, plus shopping,
restaurant and health club information. Use it to book
tickets for special events around the world, send gifts and
flowers, even to manage your diary and receive reminders
for birthdays.
Sentinel® International
Local banking
Wherever you are in the world, you can have all your
credit and debit cards stopped with one call and order
replacements at the same time. Cover also extends to
all your household members.
To help you manage your day-to-day finances, we can help
you set up an account at a local bank.
American Express®
International Currency Cards
Travel insurance
Lloyds TSB International customers are eligible for a 20%
discount on worldwide Annual Multi-Trip travel insurance
from Expatriate Healthcare*.
International private health insurance
Lloyds TSB International customers are eligible for a 25%
discount on any healthcare cover provided by Expatriate
Healthcare. If you take up this offer you also get a free
worldwide annual multi-trip travel insurance policy.
* Only available to customers in the EU.
The next few pages
tell you about the extra benefits
and services provided by your
International Premier Account.
To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
09
10
A complete range of banking services
As a customer of Lloyds TSB International, you will enjoy access to a
comprehensive range of financial products and services.
T
y
Whether you are funding major purchases or looking for the most
appropriate way of saving, we’re here for you - wherever you may be.
Savings & investments
Mortgages
Treasury services
Customers of Lloyds TSB International can benefit
from a number of deposit opportunities provided by
Treasury services.
• Offshore Limited Edition Deposits (OLEDs)
OLEDs provide the opportunity to benefit from
stockmarket growth while providing full capital protection.
• Money Market call accounts
Available in US dollars, euro and sterling, Money Market
call accounts are a good way to hedge against fluctuations
in the exchange rate, especially if you are earning
foreign currency.
• Fixed-term deposits
Available in all major currencies, fixed-term deposits allow
you to hold your savings for an agreed amount of time at
an agreed rate.
International mortgages
Our range of flexible mortgages from Lloyds TSB Bank plc are
designed to make buying a home in another country as easy
as possible. They are available in a range of currencies and
can help you if you are looking to buy property in Australia,
New Zealand, the USA, Canada and Spain - as well as the
UK. Whether you have a property in mind, or would like to
know how much you can borrow before you start looking,
we’ll be happy to discuss a mortgage with you.*
Savings account
If you would like to separate your savings from your everyday
finances, our savings account can help. It is free of charge,
has no minimum balance and offers instant access to
your money. This account is only available to International
Premier Account holders.
Lending
Credit cards
Our Classic, Gold and Platinum credit cards are available in
sterling as both Visa and MasterCard. Accepted throughout
the world, our credit cards offer up to 56 days’ interest-free
credit, daily cash withdrawals up to £500 (or equivalent)
and no annual fee.
* Our products and services are not available to residents of countries
where not permitted by local laws or regulations.
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Personal loans
Borrow from £500 upwards in multiples of £100 at a
competitive interest rate, a repayment period that suits
you, from 12 months to five years, and no penalty for
early repayments.
Offshore funds
Whether you’re looking for innovative growth solutions or
just want to supplement your income, we can offer a range
of funds that span the world and cater for most types of
investor.
Private Banking
If you prefer to avoid the hassle of making financial decisions
or simply don’t have the time, our private banking service
could help you. We can offer Portfolio Management Services,
Offshore Funds and Trustee Services - ask your International
Premier Relationship Manager for more details.
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To open an account, call
+44 (0)1624 638000.
Or complete the application form
at the back of this brochure.
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Extra ways to save
Whether you need information on the country you are
living in, relocating to or just want to be kept up to date with
relevant financial matters, we can help.
We have negotiated several discounts with reputable
providers to help you get the most out of your
international lifestyle.
Free country profiles
Expat Network membership
We can provide in-depth information for anyone relocating
or already living abroad with comprehensive information
on a number of different countries. As well as background
information, our profiles also bring you up to speed on
immigration procedures, the working environment, setting
up your home, education, recreation and leisure activities,
healthcare and much more.
We’ll give you a one-off discount on a one year membership
to Expat Network - the leading UK organisation for expatriates.
Through this forum you can talk to other like-minded expats,
seek advice on the countries you may be travelling to, get
financial and health advice and much more...
International guides
Linguaphone, a leading supplier of self-study language
courses, offers a discount of 30% on all completed courses.
Courses are available in 30 languages on tape, CD, CD-ROM
and online.
We produce a range of publications containing essential
information for expatriates. These include our Tax Guide,
a detailed brochure explaining the UK tax position on
expatriates’ earnings and assets.
Shoreline magazine
Our quarterly magazine keeps you up to date with the
financial changes that affect you, as well as the opportunities
currently available. Articles on education, property, health
cover, changes in the UK tax and other relevant regulations
are featured alongside news of local expatriate life.
Language courses
The Weekly Telegraph
Have the international sister title of the Daily Telegraph
mailed direct to you and receive a discount of 20% on the
annual subscription.
Thistle Advantage
Thistle Hotels offer corporate rates at any of their 54 UK
hotels, allowing you to take advantage of discounts worth
between 30% and 55% on reservations made through
Thistle Advantage.
11
12
Everything you need to apply
If you have any queries about your application, please contact us
and we will be pleased to help.
Call +44 (0)1624 638000 or fax +44 (0)1624 615408.
Our new account telephone enquiry helpline is open from
8am to 5pm (UK time) Monday to Friday.
If you prefer, e-mail us at [email protected].
STEP 1
STEP 4
Complete the application form
Provide confirmation of your regular income
The application form needs to be completed in full and
signed by all applicants. It is essential you fill in all your
details carefully and correctly, so please pay particular
attention when completing the following sections:
• Section 2 ‘Details of the Accounts you would like to open’
• Section 3 ‘Financial Background’
• Section 6 ‘Offshore PhoneBank’
Finally, sections 5 and 8 must be signed by all applicants.
We will need one of the following original or certified copies:
STEP 2
Provide confirmation of your identity
We need you to send us a copy of your current passport:
• It should be a clear certified black and white photocopy.
• Remember to also enclose copies for any joint applicants.
• Your passport(s) must be valid (not out of date) and
show your date of birth, place of birth and signature.
Your signature should be the same as that shown on
your application form.
Please read the leaflet ‘Certifying your passport copy and
other documentation’ very carefully to ensure certification is
done correctly.
STEP 3
Provide confirmation of your address
We need you to send us a recent copy of one of
the following:
• A gas or electricity bill.
• A telephone bill (mobile bills will not be accepted).
• A local authority rates bill.
The bill should clearly state your name and current
residential address.
For joint accounts:
• We need to see an original utility bill addressed to each
party, either jointly or individually.
• Or an original mortgage statement, bank or credit card
statement from a recognised bank addressed to each
party, either jointly or individually.
All documents must be less than 3 months old.
• Recent six months’ consecutive active bank statements.
• An original letter addressed to Lloyds TSB from your
employer on formal company headed paper confirming
your earnings.
• Latest three months’ formal payslips.
Or, if you are self-employed, one of the following:
• Recent six months’ consecutive active personal bank
statements - original or certified copies.
• An original letter addressed to Lloyds TSB from your
accountant on formal company headed paper stating
your present earnings.
Please read the leaflet ‘Certifying your passport copy and
other documentation’ very carefully to ensure certification is
done correctly.
STEP 5
Enclose your initial opening deposit
Please enclose an opening cheque or banker’s draft for
a minimum of £100, $100 or €100. If you open more
than one account, only one initial deposit is required.
Please make your cheque payable to your own name or
to Lloyds TSB. All cheques and drafts should be endorsed
(signed by you) on the back. For existing customers, you
may transfer funds from your existing Lloyds TSB account
by completing Section 7 of the application form.
STEP 6
Go through the checklist, and send your completed
application form and all the RELEVANT associated
documents to:
Lloyds TSB Offshore Limited,
International New Business Team, PO Box 12,
Peveril Buildings, Peveril Square,
Douglas, Isle of Man, IM99 1SS.
Important notes
Issued by Lloyds TSB Offshore Limited.
Lloyds TSB Private Banking Limited, which
is authorised and regulated by the Financial
Services Authority, has approved this brochure.
International Premier Accounts will be opened
with either the Jersey or Isle of Man Branch of
Lloyds TSB Offshore Limited, based on your
offshore residency, Jersey for Europe and
the Isle of Man for the rest of world. All
non-sterling International Premier Accounts
other than fixed term deposits, will be held by
the Jersey International office of Lloyds TSB
Offshore Limited.
Lloyds TSB Offshore Limited is not, and is not
required to be, authorised under the Financial
Services and Markets Act 2000 of the United
Kingdom and therefore is not subject to the
rules and regulations of the Financial Services
Compensation Scheme made under that Act
for the protection of investors.
Deposits held with the Jersey branch or the
Jersey International office of Lloyds TSB
Offshore Limited are not covered by the Isle
of Man Depositors Compensation Scheme
in the Banking Business (Compensation of
Depositors) Regulations 1991.
Deposits held with the Isle of Man branch
of Lloyds TSB Offshore Limited are covered
by the Depositors Compensation Scheme
contained in the Isle of Man Banking
Business (Compensation of Depositors)
Regulations 1991.
Complaints by customers (who are private
individuals) of the Isle of Man branch of Lloyds
TSB Offshore Limited that cannot be settled
may be referred to the Financial Services
Ombudsman of the Isle of Man.
Written details of our credit terms and copies
of the latest reports and accounts are available
from our registered office address below.
Lending and the issue of a Debit Card are at
the Bank’s discretion and you must be 18 or
over to apply. Security may be required. The
Bank reserves the right at any time to refuse
any of the facilities featured either generally or
in relation to any particular applicant.
†
The Bank conducts its business in accordance
with local legal and regulatory requirements,
including anti-money laundering. The Bank
is therefore required to disclose information
that would otherwise be confidential in
circumstances where the Bank suspects its
customer is benefiting or engaging in criminal
activity including tax fraud.
The information contained in this brochure
does not constitute an invitation to buy or the
solicitation of any offer to sell securities or
make deposits or to provide any other products
or services in any jurisdiction to any person to
whom it is unlawful to make such an offer or
solicitation in such jurisdiction.
Internet e-mail is not a secure communications
medium. We do not accept instructions by
e-mail and if you send us personal information
by e-mail, this is at your own risk.
To ensure security for our customers and
staff and to help maintain service quality,
some telephone calls may be recorded
and monitored.
The value of investments and the income from
them can go down as well as up and cannot
be guaranteed. Consequently on selling,
investors may not get back the original amount
they invested.
Contact any of our offices worldwide
Abu Dhabi
Lloyds TSB Bank plc
PO Box 46080, Hamdan Street,
Inside National Bank of Bahrain,
Next to Crown Plaza Hotel,
Abu Dhabi, United Arab Emirates.
Tel
(+9712) 6310193
Fax
(+9712) 6218197
Email [email protected]
Dubai
Lloyds TSB Bank plc
Al Wasl Road, Opp. Safa Park, Jumeira,
PO Box 3766, Dubai,
United Arab Emirates.
Tel
(+9714) 342 2550
Fax
(+9714) 342 2705
Email [email protected]
Hong Kong
Lloyds TSB Offshore Limited
Hong Kong Representative Office,
Suites 3901-04, Two Exchange Square,
Central, Hong Kong.
Tel
(+852) 2810 0356
Fax
(+852) 2810 1085
†
The Isle of Man branch of Lloyds TSB Offshore Limited is
licensed by the Financial Supervision Commission to conduct
banking and investment business and is registered with the
Insurance and Pensions Authority in respect of general business.
PO Box 8, Victory House, Prospect Hill, Douglas IM99 1AH.
Isle of Man
Lloyds TSB Offshore Limited
Isle of Man branch, PO Box 12,
Douglas, Isle of Man, IM99 1SS.
Tel
+44 (0)8705 301641
Fax
+44 (0)1624 673435
Jersey
Lloyds TSB Jersey Offshore Centre
PO Box 770, La Pouqualaye, CTV House,
St Helier, Jersey, JE4 8NG.
Tel
+44 (0)8705 301642
Fax
+44 (0)1534 284331
London
Lloyds TSB Bank plc
Worldwide Service, 9 Waterloo Place,
London, SW1Y 5NJ.
Tel
+44 (0)20 7839 2099
Fax
+44 (0)20 7839 1327
Malaysia
Lloyds TSB Bank plc
Labuan Branch Marketing Office,
Suite 10.02, 10th floor, Menara Keck Seng,
203 Jalan Blukit Bintang,
55100 Kuala Lumpur, Malaysia.
Tel
(+852) 2810 0356
Fax
(+603) 2142 7077
Lloyds TSB Offshore Limited incorporated in Jersey.
Registered Office and principal place of business:
PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG.
Registered in Jersey, number: 4029.
Miami
Lloyds TSB Bank plc
One Biscayne Tower, Suite 3200,
2 South Biscayne Boulevard, Miami,
Florida, USA.
Tel
(+1305) 347 7140
Fax
(+1305) 371 8607
Singapore
Lloyds TSB Bank plc
1 Temasek Avenue, #18-01, Millenia Tower,
Singapore, 039192.
Tel
(+852) 2810 0356
Fax
(+65) 6532 2493
South Africa
Lloyds TSB Offshore Limited
2nd Floor West Tower, Nelson Mandela Square,
Cnr Maude & Fifth Street, Sandton,
Johannesburg, South Africa, 2196.
Tel
+27 (0)11 881 5964
Fax
+27 (0)11 881 5468
Email [email protected]
Licensed by the Jersey Financial Services Commission
to conduct banking, investment and general insurance
mediation business.
Find out more at:
www.lloydstsb-offshore.com/international
OB537P (November 2005)