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Choose your Scheme and membership type to view the content most relevant to you:

If you're not sure of your membership

If you joined Lloyds Banking Group after 1 July 2010, you’ll have been automatically enrolled in Your Tomorrow.

If you’re still unsure, or if you’re a dependant or representative who needs to get in touch, contact WTW (the scheme administrator) at 01737 227 522.

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Scheme management

The Scheme is run by a corporate trustee, Lloyds Banking Group Pensions Trustees Limited (LBGPTL) (the Trustee).

The Trustee is responsible for managing the Scheme, and has the commitment and financial support of the Group. The Trustee's first priority is the best interests of the members. It administers the Scheme in line with the Scheme’s Trust Deed and Rules and any other relevant legislation, and has committees covering areas like administration and investments.

Scheme Advisers

A number of specialist advisers help the Trustee to run the Scheme.

Actuary

James Wintle
WTW Ltd
Watson House
London Road
Reigate
Surrey
RH2 9PQ
Administrators

Lloyds Pension Administration
WTW
PO Box 545
Redhill
Surrey
RH1 1YX

Telephone: 01737 227 522

Email: Lloyds1and2@willistowerswatson.com

Auditor

Deloitte LLP
31 Great George Street
Bristol
London Road
BS1 5QD
Bankers

Lloyds Bank plc
City Office
PO Box 72
Bailey Drive
Gillingham
Kent
ME8 0LS
Investment managers

For a list of investment managers, please see the latest Annual Report and Financial Statements.
Custodian

The Bank of New York Mellon – Asset Servicing
1 Canada Square
Canary Wharf
London
E14 5AL
Nominee Company

BNY Mellon Nominees Limited
Solicitors

Allen & Overy LLP
Tax adviser

KPMG LLP
Disputes

The Trustee has established a formal Internal Dispute Resolution Procedure to deal with the resolution of disputes between the Trustee, members of the Scheme and beneficiaries. You’ll need to put your complaint in writing to:

Trustee Support Manager
Lloyds Bank plc
Lloyds Banking Group Pensions Department
3rd Floor Computer Building
Trinity Road
Halifax
HX1 2RG

You will receive a written decision, where possible, within four months.

If you are still dissatisfied, you have a right of appeal to the Trustee (Operations Committee).

You can obtain a copy of the procedure from Group Pensions.

Members dissatisfied with a decision reached under the Scheme’s formal procedure can pursue a complaint with the Pensions Ombudsman.

Formal Scheme information

The Scheme's assets are held in a trust completely separately from those of the Group and cannot be used for any other purpose.

Assigning your benefits

You cannot assign your benefits under the Scheme or use them as security for a loan.

Tax status of the Scheme

The Scheme is registered with HM Revenue & Customs under Chapter 2 of Part 4 of the Finance Act 2004. This means that the Scheme and its members enjoy a number of tax advantages. The tax position of the Scheme may, however, vary from time to time. If you’re not a UK resident some of the provisions detailed may not apply to you.

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