ISLAMIC ACCOUNT

Banking that understands the Shariah way

Contents

Account benefits 3Shariah approved banking 4My Lloyds Bank Visa debit card 5Ways to bank 6Travelling with your debit card 9Travel money 10Moving your money 11

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Islamic Account

I need an account thats right for me

You can be confident the money you keep with us will not be used for any interest-based or non-Shariah approved activities.

Its banking in accordance with Shariah, with no credit or debit interest, no Planned Overdraft, no minimum balance required and no charges for everyday transactions on your Islamic Account.

Please note no new account applications can be accepted for this product.

Please refer to our Banking Charges section of the Personal Banking Terms and Conditions for details of charges for other bank services.

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Islamic Account

Ive got everything I need

Paying in money, paying bills and withdrawing cash

With the Islamic Account you get a Lloyds Bank Visa debit card and a choice of ways to bank.

You wont be charged for everyday transactions when youre in credit. Other charges may apply see our Banking Charges section of the Personal Banking Terms and Conditions or visit lloydsbank.com for more details.

Access to Telephone Banking and our Internet Banking service, 24 hours a day, seven days a week.

Our free Mobile Banking service helps you do your banking on the go with mostmobile phones using our app orviayour mobiles browser at lloydsbank.com

Money Manager helps you keep track of your spending across all your Lloyds Bank personal current accounts.

Up-to-the-minute banking Real-time balances available from any of

our Cashpoint machines, over the phone or via the Internet.

Money Manager is provided free to help you manage your personal finances and is not intended to provide legal, tax or financial advice. You must be registered for Internet Banking. Further terms and conditions apply.

Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and Telephone Banking some of those instructions cannot be processed until the next working day, for example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information. We dont charge you for Mobile Banking but your mobile operator may charge for some services, please check with them. You must be registered for Internet Banking to be able to access your accounts through our Mobile Banking service.

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Account benefits

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Shariah approved banking

Shariah approved banking

Two independent scholars have helped us create your Islamic Account

We work closely with a committee of internationally recognised scholars to maintain aShariah approved account thats in line with your beliefs.

Mufti Muhammad Nurullah Shikder

A non-practising lawyer, with an LL.M in Banking and Finance Law from University College London, Mufti Muhammad Nurullah Shikder studied Shariah with specialisation in Fiqh at Darul Uloom Al Arabiyya Al Islamiyya, Bury, UK. His expertise is in innovative structuring and documentation relating to Sukuk, Islamic Funds, Islamic Syndications and other corporate and retailproducts.

In 2008, he was ranked among the worlds leading scholars by FAILAKA, and in 2009 he received the ZAKI BADAWI Award for Outstanding Young Shariah Advisory. Heisatrainer of Islamic finance courses and currently sits on the Shariah Board of several Islamic financial institutions.

Sheikh Nizam Yaquby

A member of the Shariah Committee for several Islamic financial institutions across the world, Sheikh Nizam Yaquby has received a BA from McGill (Economics & Comparative Religion), a Ph.D in Islamic Law and is based in Bahrain.

He has been a Professor of Tafsir, Hadith and Fiqh in Bahrain since 1976 and is the author of several articles and publications on Islamic finance in English and Arabic.

Id like a debit card thats flexible and secure

You dont have to carry cash when youre out and about

Your account comes with a Lloyds Bank Visa debit card, which you can use to pay directly from your account quickly and easily:

In shops, online or over the phone. To take out up to 500 a day from any

UK Lloyds Bank Cashpoint machine free of charge and non-Lloyds Bank ATMs (LloydsBank does not make a charge but the owner of the machine may).

To take out up to 300 per day at PostOffice branches.

To get up to 50 cashback free of charge in most supermarkets.

If you use your debit card abroad or for non-sterling transactions in the UK then charges apply. Please see our Banking Charges section of the Personal Banking Terms and Conditions or visit lloydsbank.com for more information.

If theres not enough money in your account to make a payment, we wont usually complete the transaction but we wont charge you a fee. Please refer to our Banking Charges section of the Personal Banking Terms and Conditions for more details.

500 a dayUse any UK Lloyds Bank Cashpoint machine and non-LloydsBank ATMs to take out up to

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My Lloyds Bank Visa debit card

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Please note that although you can give us instructions 24 hours a day, seven days a week through Internet Banking, Mobile Banking and Telephone Banking some of those instructions cannot be processed until the next working day, for example if the instruction is given after 10pm or at weekends or Bank Holidays. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.

Full Internet Banking facilities are available to our personal customers aged 16 or over. We dont charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality.

Our Mobile Banking services are only available to our UK personal Lloyds Bank customers and registration is required. Terms and conditions apply. The Mobile Banking App is available to iPhone and Android users only and currently requires iOS 7.0 or above although minimum operating requirements may change in the future. Our Mobile Banking App does not work on jailbroken/rooted devices. Apple and iPhone are trademarks of Apple Inc registered in the U.S and other countries. Android is a trademark of Google Inc.

Ways to bank

Internet Banking

Get instant access to your account with 24/7 Internet Banking, and with just a few clicks you can:

Check your up-to-the-minute balance.

Pay your bills. Transfer funds between

your LloydsBank accounts.

Set up, view and cancel standing orders.

Order your travel money.

Telephone Banking

A fast and simple way to get in touch, with Telephone Banking you can:

Check your current balance.

Pay your bills. Transfer money between

your own accounts or to another person.

Set up standing orders and check Direct Debits.

When you call you have the choice of using our fast automated service or speaking to an adviser. Call us on 0345 300 0000.

Mobile Banking

Our free Mobile Banking service helps you to do your banking on the go with most mobile phones either using our app or via your mobiles browser at lloydsbank.com WithMobile Banking you can:

View your balance and transaction history.

Transfer funds between your Lloyds Bank UK personal accounts.

Make payments to new and existing recipients.

Mobile alertsIts important to monitor your account regularly to make sure you have enough funds to make any payments due. Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it.

So if we have a mobile number for you, well let you know when:

Youre nearing your limit. Well send a message when your balance falls below 50.

You dont have enough to pay a standing order. If youre able to move your money from other accounts, you will have until 2.30pm (UK time) to pay in cleared funds in order to make any payments.

Youve reached your limit. You will only receive this message once when you first reach your limit and have zero available funds.

You can receive alerts abroad, but please check with your service provider for any charges you may incur.

You can check if we have a valid number for you - or set one up - through Internet Banking, in a branch, or by calling us on 0345 300 0000. If you dont want to receive alerts you can text STOP to 63338 to opt-out.

If you opt-out you may miss important messages about your account so make sure you keep track of your balance and regularly check your statements through mobile banking, internet banking or telephone banking.

We dont charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality. Mobile alerts are sent before 10am UK time 7 days a week including Bank Holidays. This is a free service for all eligible current account customers.

BANKING ON THE MOVE

Download our Mobile Banking app or access

Mobile Banking via your mobile browser at lloydsbank.com

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Ways to bank

Statements Youll have access to regular statements

that will show every transaction you make either online or by post.

You can print a mini statement from Cashpoint machines showing the ten latest transactions on your account.

Log on to Internet