CHOOSE YOUR SCHEME

Welcome to the new look website, for members of a Lloyds Banking Group pension scheme.

If you joined the Group after 1 July 2010, you'll be a member of Your Tomorrow.

NOT YET A MEMBER?

If you’re an employee of Lloyds Banking Group and not a member of one of our pension schemes, it’s not too late to join, as long as you’re eligible.

IF YOU JOINED THE GROUP ON OR AFTER 1 JULY 2010

You’ll be automatically enrolled in Your Tomorrow on the day you join the Group. If you’re not yet a member, see joining.

IF YOU JOINED THE GROUP BEFORE 1 JULY 2010

HBOS colleaguesIf you were previously a member of the HBOS Group Money Purchase Scheme, or had the right to join, you became eligible to join Your Tomorrow from 1 February 2011.

Lloyds Bank colleaguesIf you were previously a member of a Lloyds Bank Pension Investment Plan (PIP), or had the right to join, you became eligible to join Your Tomorrow from: 1 August 2011 for non-Asset Finance and non-Commercial Finance colleagues 1 September 2011 for Asset Finance and Commercial Finance colleagues go to joining to find out more.

To view information about your benefits Log into YOUR PENSION
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Contacts

If you’d like to ask a question about your Scheme benefits, please speak to the Scheme administrator using the contact details below. It’s also easy to view information about your benefits and make changes to your personal information by logging into Your Pension.

Lloyds Pension Administration
Willis Towers Watson
PO Box 545
Redhill
Surrey
RH1 1YX

01737 227 522

+44 (0)1737 227 522 (from outside the UK)

For other queries, please write to the Pensions Department using the details below:

Lloyds Bank Group Pensions Department
125 London Wall
5th Floor
London
EC2Y 5AS

Email is not guaranteed to be a secure method of communication so you may not wish to include sensitive personal information in your enquiry.

Age UK

The UK’s largest charity working with older people and can provide helpful advice on many issues, from benefits to staying healthy. Age UK publishes a number of useful factsheets covering topics from your health to choices in retirement.

England:

0800 169 2081

Northern Ireland:

0808 808 7575

Scotland:

0800 4 70 80 90

Wales:

08000 223 444

www.ageuk.org.uk

Arthritis Care

Arthritis Care has now partnered with the Bank Workers Charity to give help and support to retired and ex-employees whose lives have been affected by arthritis.

If you or a dependent family member have arthritis and worked for five years or more in the banking community, you can access invaluable information and support from Arthritis Care.

Arthritis Care
18 Stephenson Way
London
NW1 2HD

0808 800 4050

arthritiscare.org.uk

Financial Advice

Unfortunately we can't give you advice on your pension or investment options. If you're looking for advice, you should talk to a financial adviser. To find an adviser in your area, visit www.unbiased.co.uk

Lloyds Bank Pensioner helpline

The dedicated pensioner helpline can assist you with any queries you may have about your pension and connect you to the Regional Welfare Service. The helpline is open from 9am to 5pm from Monday to Friday and a message service is available at all other times, including Bank Holidays.

Call the Lloyds Bank pensioner helpline:

From the UK 01737 227 522

From overseas +44 1737 227 522 (Monday to Friday from 9am to 5pm)

Pension Wise

To help individuals understand the new flexibilities, the government has introduced Pension Wise, a free and impartial service which offers guidance via telephone, the web or face-to-face. The service is aimed specifically at people who are close to, or over the age of, 50 and thinking of taking defined contribution (DC) retirement benefits in the near future (Pension Wise is not available in Jersey, Guernsey or the Isle of Man).

The Bank Workers Charity

The UK’s largest charity working with older people and can provide helpful advice on many issues, from benefits to staying healthy. Age UK publishes a number of useful factsheets covering topics from your health to choices in retirement.

England:

0800 169 2081

Northern Ireland:

0808 808 7575

Scotland:

0800 4 70 80 90

Wales:

08000 223 444

www.ageuk.org.uk

The Pensions Ombudsman

If you have a complaint against the Scheme, you'll need to contact the Group in the first instance. However, if the Scheme's Internal Dispute Resolution Procedure fails, you can put your complaint to the Pensions Ombudsman.

The Pensions Ombudsman
11 Belgrave Road
London
SW1V 1RB

020 7630 2200

www.pensions-ombudsman.org.uk

The Pensions Regulator

The Pensions Regulator regulates occupational pension schemes and helps to protect members' benefits.

The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW

0345 600 0707

www.thepensionsregulator.gov.uk

The Pensions Advisory Service

The Pensions Advisory Service (TPAS) is an independent, non-profit organisation providing free information, advice and guidance on pensions. It can also deal with potential complaints from members about their scheme.

The Pensions Advisory Service
11 Belgrave Road
London
SW1V 1RB

0300 123 1047

www.pensionsadvisoryservice.org.uk

The Pension Tracing Service

If you're looking for a previous pension and are struggling to get any information, the Pension Tracing Service may be able to help.

You can start tracing your pension immediately by completing a form online.

Pension Tracing Service
The Pension Service 9
Mail Handling Site A
Wolverhampton
WV98 1LU

0345 6002 537

www.gov.uk/find-pension-contact-details

The Vassar Smith Fund

The Vassar Smith Fund provides financial assistance in times of need for current, retired and former members of Lloyds Bank plc and TSB Bank plc, and their dependants.

The Honorary Secretary
St John's Terrace
3-7 Ampthill Street
Bedford
MK42 9EY

01234 262868

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