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Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority, for Banking Services except for lending where we are licensed by the Office of Fair Trading. We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk. FSA authorisation can be checked on the FSA's Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and covered by the Financial Ombudsman Service.