Overseas Club

Contents

1. Welcome to the Overseas Club
2. Why you should bank offshore
3. Overseas Club offers you more
4. Sterling, Dollar and Euro
5. Service without compromise
6. Overseas Club is a dynamic service
7. The Overseas Club benefits
8. Important notes

Welcome to the Overseas Club

Helping you prosper in a challenging world

You can choose the Island where you wish your account to be based. In order to provide the highest levels of service our Offshore Centres have their own visiting programmes. Managers and staff from our Centre in Jersey visit Europe and staff in the Isle of Man visit the rest of the world. We therefore suggest that you open your account accordingly.

The Overseas Club is different from other financial providers!

It's all-encompassing and provides you with a one-stop service.

The Overseas Club is involved and proactive with its Members - probably more than any other provider of financial services - and has its Members' interests and prosperity uppermost in mind. We provide Members with support they need to meet the challenges of living and working abroad and assist you to make the most of your earnings and savings.

The Overseas Club will help you prosper in a challenging world by making it easy for you to:

• get things done
• talk to us when you wish
• access and spend your money
• save and invest
• plan for today... and tomorrow

As your trusted intermediary we have your interests at heart and aim to provide you with a first-class service. You will have access to a wide range of financial services and products from one of the world's largest banking groups. You will benefit from market leading competitiveness and global investment expertise.

Why you should bank offshore

security, peace of mind first class service

• Reassurance of dealing with one of the world's largest banking groups.
• Expert knowledge; Lloyds Private Banking, Lloyds TSB Treasury, Lloyds TSB Fund Managers, Hill Samuel, Lloyds TSB Insurance Services
• Support of our extensive worldwide network.
• Specially-trained offshore advisers.
• Dedicated Offshore Centres.
• Confidentiality assured.

Overseas Club offers you more

1. Competitive Interest Rates Premium interest rates on your accounts. Interest paid gross. Accounts available in Sterling, Dollars or euro.
   
   
2. First Class Service Personal attention of a dedicated team of Club Executives. Telephone Banking Service 365 days a year*.
   
   
3. Wealth-Building Expertise Free financial guidance. Complete review of your personal finances. Personalised action plan.
   
   
4. Offshore Advantages Total confidentiality. Tax-efficiency. Special offshore investment opportunities. Worldwide investment perspective.

Sterling, Dollar and Euro

Sterling Club account
• Premium interest cheque account
• Interest is -
  • paid without deduction of tax (1)
  • tiered - the higher your balance,
  • the higher the rate of interest paid
  • calculated daily
  • paid monthly
• All the facilities you would expect from a normal current account
• Regular detailed statements
• Money can be added by cheque, standing order, telegraphic transfer or using automated payments (such as for salary or a proportion of salary)
• Money can be taken out by cheque, plastic card, telegraphic transfer, banker's draft etc
• No account operation charges - modest annual subscription of £50
  
  Euro Club account
  Premium rate of interest on balances of £2,000 or more
• Interest is -
  • paid without deduction of tax (1)
  • tiered - the higher your balance, the higher the rate of interest paid
  • calculated daily
  • paid in May and November
• Instant access to your funds using the Euro Debit Card
• No account operation charges
• modest annual subscription of Euro 50
  
  US Dollar Club account (2)
• Premium rate of interest on balances of $2,000 or more
• Interest is -
  • paid without deduction of tax (1)
  • tiered - the higher your balance, the higher the rate of interest paid
  • calculated daily
  • paid in May and November
• Instant access to your funds using US Dollar Debit Card
• No account operation charges - Modest annual subscription of $50
  
  (1) It will be the personal responsibility of depositors to discharge any liability to tax arising from the receipt of gross interest.
  
  (2) The account is not designed to be used for the receipt of notes or coin, or for the withdrawal of cash in US Dollar notes (other than in the USA). Please contact your Club Executive Team if you need this service.

Service without compromise

The Overseas Club will provide you with a close and individual relationship which will assist you in making the most of your overseas stay and help you build a comfortable futre. In short, the Overseas Club provides you with service without compromise.

Club Executives
Overseas Club Executives are your direct point of contact with one of the most exciting and encompassing banking services available. Club Executives can assist you with just about any aspect of your financial affairs in a totally confidential manner. Each Overseas Club Member is treated as an individual and will enjoy a close and rewarding relationship with the Club Executives in our dedicated Offshore Centres in the Isle of Man, Jersey or Guernsey. Overseas visits
We will be coming your way! Our managers like to visit Club Members in the countries where you live. Visits are arranged on a regular basis and we are always happy to meet you to discuss any changes in your circumstances and advise on any opportunities which could be of interest to you. Club Members are informed in advance of these visits.

Club magazine - Shoreline
All members receive Shoreline(TM), a quaterly magazine, which keeps you abreast of the financial changes that affect you and all the opportunities which are currently available. Articles on education, property, health cover, changes in UK tax and other revelant regulations are featured alongside Members' contributions.

Overseas Club is a dynamic service

The Overseas Club operates a policy of continuous improvement. Our membership surveys and overseas visiting programmes keep us in touch with your real needs and assist us in upgrading and improving our service to you. Join the Overseas Club now and begin to experience the difference!

Experience for yourself the difference the Overseas Club will make to your financial affairs.

Simply open a sterling, US dollar or euro account and we will send you a comprehensive and useful welcome pack including cheque book and credit card holders, statement folder and tax guide. You will also automatically receive Shoreline, our regular Overseas Club magazine.

The Overseas Club benefits

1. Overseas Club Accounts - Sterling, Dollar and euro
2. Competitive interest rates
3. Fixed Term Deposits
4. Currency Deposits
5. Debit cards
6. Credit cards
7. Telephone banking service
8. Financial planning services
9. Insurance
10. Savings and investments
11. Mortgages
12. Club Executives
13. Overseas visits
14. First Class service
15. Wealth building expertise
16. Offshore advantages
17. Security and peace of mind
18. Quarterly issue of Shoreline
19. Sentinel card services
20. Pensions
21. Private Banking
22. Finding the right school
23. Travel services
24. Country profiles
25. Property services
26. Leather chequebook holder
27. Leather cheque card wallet
28. Statement holder
29. ClubLink Helpline
    
    Special offers available on:
    
30. House removals
31. Language courses
32. Expat Network
33. The Weekly Telegraph
34. The Good Book Guide

Important Notes

Issued by Lloyds TSB Bank (Jersey) Limited, Lloyds TSB Bank (isle of Man) Limited and Lloyds TSB Bank (Guernsey) Limited and approved for the purposes of Section 57 of the Financial Services Act by Lloyds Bank Plc which is regulated by the Personal Investment Authority and IMRO.

Rules and regulations made under the Financial Services Act 1986 for the protection of investors, including the Investors Compensation Scheme, do not apply to the investment business of companies within the Lloyds TSB Group carried out from offices outside the United Kingdom.

Written details of our credit terms are available from the addresses below. Lending and the issue of a Debit Card are at the Bank's discretion and you must be 18 or over (20 or over in Jersey) 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 information contained in this brochure does not constitute an invitation to buy or the solicitation of an 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.

Investment advice and services may be provided by Lloyds TSB Independent Financial Advisers Limited, Lloyds Private Banking (Channel Islands) Limited, Lloyds Private Banking (Guernsey) Limited or Lloyds Private Banking (Isle of Man) Limited.

General Insurance advice is provided by Lloyds TSB Insurance Services Limited. Guernsey only - General Insurance advice is provided by Lloyds TSB Independent Financial Advisers Limited which acts as a registered insurance intermediary for a number of insurers under the Code of Conduct of the Financial Services Commission.

The Registered Office of Lloyds TSB Insurance Services Limited (Number 968406) and Lloyds TSB Independent Financial Advisers Limited (Number 212497) is 71 Lombard Street, London EC3P 3BS.

Lloyds TSB Independent Financial Advisers Limited is regulated by the Personal Investment Authority for investment business.

Lloyds TSB Bank (Isle of Man) Limited, Lloyds Private Banking (isle of Man) Limited and Lloyds TSB Independent Financial Advisers Limited are registered with the Isle of Man Financial Supervision Commission, the former two companies for banking and investment business, the latter company for investment business only.

It should be remembered that the value of stock market related investments can go down as well as up and you may not get back the amount invested. Past performance is not necessarily a guide to the future.

Deposits are not covered by the Deposit Protection Scheme under the UK Banking Act 1987 (as amended).

Deposits made with Lloyds TSB Bank (isle of Man) Limited are covered by the Depositors Compensation Scheme contained in the Isle of Man Banking Business (Compensation of Depositors) Regulations 1991. The Isle of Man Financial Supervision Commission is charged with administering the Depositors Compensation Scheme in accordance with Section 21 of the Financial Supervision Act (IOM) 1988. Compensation under the scheme in respect of each deposit is limited to 75% of the eligible protected deposit subject to a maximum compensation of £15,000 or the equivalent amount in other currencies.

Lloyds TSB Bank (Guernsey) Limited and Lloyds Private Banking (Guernsey) Limited are licensed under the Banking Supervision (Bailiwick of Guernsey) Law 1994.

Lloyds TSB Bank (Jersey) Limited is registered under the Banking Business (Jersey) Law 1991.

Lloyds TSB Bank (Jersey) Limited, Lloyds TSB Bank (Guernsey) Limited and Lloyds TSB Bank (isle of Man) Limited are wholly-owned subsidiaries of Lloyds TSB Group plc whose registered office is Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH. Copies of the latest Report and Accounts of Lloyds TSB Group plc are available on request from 71 Lombard Street, London EC3P 3BS.

Lloyds TSB Bank (Jersey) Limited: Registered Office: 25 New Street, St. Helier, Jersey, JE4 8RG. Registered in Jersey, number: 35269.

Lloyds TSB Bank (Guernsey) Limited: Registered Office: 1 Smith Street, St. Peter Port, Guernsey, GY1 4BD. Registered in Guernsey, number: 17917.

Lloyds TSB Bank (isle of Man) Limited: Registered Office. Peveril Buildings, Peveril Square, Douglas, Isle of Man, IM99 1JJ. Registered in the Isle of Man, number: 6572C.

The paid-up capital and reserves of the Island Banks as at 2 January 1998 are as follows: Lloyds TSB Bank (Jersey) Limited - in excess of £90 million; Lloyds TSB Bank (Guernsey) Limited - in excess of £15 million; Lloyds TSB Bank (Isle of Man) Limited - in excess of £20 million.

All non-sterling deposits, other than fixed term deposits, are held by Lloyds Bank Plc, International Branch, Jersey, for which Lloyds TSB Treasury (Jersey) Limited, Lloyds TSB Treasury (Guernsey) Limited, Lloyds TSB Treasury (isle of Man) Limited and the Offshore Centres of Lloyds TSB Bank (Jersey) Limited, Lloyds TSB Bank (Guernsey) Limited and Lloyds TSB Bank (Isle of Man) Limited act as agents.