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Lloyds TSB Online Application
For Personal Banking Customers
Please fill in the application form and return to: Lloyds TSB Bank plc, This service is not available for joint account holders where both signatures
Opposite Safa Park, Al Wasl Road, Jumeira, PO Box 3766, Dubai, U.A.E are required to operate the account
1 Your personal details
Please Your title Mr P Mrs P Miss P Ms P Other title Your Dubai or UAE residential address
the white Your last name
Your first names
Occasionally, we may need to send you important service and security information.
To receive this information please provide us with your email address
2 Your Account details
Please By registering this account, you acknowledge and agree that all
read this Account Number 6 0 6 your other eligible accounts will also be available on-line.
agreement This agreement replaces all earlier conditions about the Service. The accounts and products you may be accessing through the Service have their own conditions. If there is a conflict between the
carefully provision of the two, this agreement will prevail.
before Our online internet banking services for personal banking customers are primarily intended for individuals based in the United Arab Emirates. If you are based outside the United Arab Emirates then
applying. please contact our Helpdesk .
[You must be 21 years old, or older, to use our on-line services.]
BY USING OUR ON-LINE SERVICES YOU CONFIRM THAT YOU HAVE READ, AGREE TO BE BOUND BY AND FULLY UNDERSTAND ALL OF THE TERMS OF THIS AGREEMENT AND ALL THE
DOCUMENTS INCORPORATED INTO THIS AGREEMENT BY REFERENCE. IF YOU DO NOT AGREE WITH, OR ARE UNCLEAR ABOUT, ANY OF THESE TERMS THEN PLEASE DO NOT USE OUR
ONLINE SERVICES AND CONTACT OUR HELPDESK .
1. SECURITY 5. LIABILITY FOR LOSS
1.1 To ensure you alone can access and give instructions using the Service, you must adhere to the following 5.1 We may only be liable to you for proven direct loss that a court of competent jurisdiction decides is caused by
security procedures. our gross negligence or deliberate fault. Other than this, to the maximum extent permitted under law, we will not
1.2 You must take all reasonable steps to ensure your Password stays secret. You must not disclose the Password to be liable for any damage or loss (including, without limitation, indirect or consequential loss) howsoever caused
anyone - even to your joint account holder, or a Bank staff member, or someone on our Helpdesk . We may because, of or in any way connected to, your use, access or inability to access the Service. Examples of
reset your password at anytime by notifying you in writing, following which you must change your password situations where you may suffer a loss and where we are not liable include but are not limited to:
yourself immediately. • acting on authenticated instructions which in fact were given by someone else (see Section 3.2 for
1.3 If you think your Password is known to someone else, you must change it through the Service as a matter of exceptions);
urgency and as soon as possible. If this is not possible you must notify us by telephone at the Helpdesk. We • incompatibility between your computer system and the Service ;
will suspend the Service until your new Password has been set up. • alleged or actual damage caused to your computer system from using the Service ;
1.4 You must not let anyone else operate the Service for you. • anything beyond our reasonable control that disrupts the Service or causes your instructions to be delayed or
1.5 You must choose a password that is not likely to be guessed by anyone and do not record it in a way that is not acted on; and
recognisable by anyone. We recommend that you change your password from time to time. • where an instruction given by you has not been processed due to that instruction being received after our
1.6 You must not leave your computer system unattended while you are using the Service . This applies whether you cut-off time or outside our normal banking hours or on a day/time when our normal banking services are
are using your own computer system, someone else’s computer system or our computer system to access the not available for any reason (including without limitation due to a technical problem with the Service).
Service . However, the public nature of our branch makes it particularly important that, if you access the Service 5.2 Please note that you cannot use the Service to tell us that the time when a transaction is to be carried out is
from a device in our branch, you do not leave that device unattended while using the Service and you must particularly important. If you need to be sure an instruction has reached us or if you wish to find out when it will
ensure that you log-off and have completely gone off-line immediately after you have completed the purpose for be carried out, please telephone our Helpdesk and discuss your situation with one of our representatives. We
which you used the Service. will then explain ways of making payment and advise on when a payment is likely to be received/made. At no
1.7 If your Security Codes are misused, you will be responsible for the consequences until you notify us of that time do we guarantee the date of payment because this is outside our control.
misuse. 5.3 In respect of the information requested from you at the start of this form, please note that if you fail to provide
1.8 If you think that unauthorised transactions have taken place then, you must immediately notify us at the us with your email then we shall not be responsible for any loss, damage or injury you may suffer as a result of
Helpdesk. You should check all statements of your accounts we send you and let us know immediately about our inability to provide to you the important service and security information.
any errors. In the absence of any advice from you within 14 days from the date of receipt of such statements, 5.4 Our total liability to you for, on in connection with, any claim, loss, damage, injury or cost howsoever sustained
we will consider the statements of accounts to be correct. by you in connection with or arising from the Service (or any of the Service) or this agreement (or any part of
2. JOINT ACCOUNT HOLDER(S) this agreement) shall be limited to the lower of: (a) the average balance of funds maintained in your account
In submitting your application for the Service, you confirm your joint account holder(s) is/are happy for you to with us over the 3 months immediately preceding your claim; and (b) AED 50,000 – (United Arab Emirates
access the joint accounts via the Service. However, we will end your use of the Service immediately on all your Dirhams Fifty Thousand only).
accounts if we deem it necessary, for instance, if: 5.5 You shall be liable to us for, and shall indemnify us against, all loss or damage caused to us because of your
• a joint account holder notifies us that he/she did not consent to your application for the Service (in which failure to observe the terms of this agreement or caused because of your fraudulent or negligent use of the
case you shall indemnify us and keep us indemnified against all costs and losses that we incur or sustain as a Service.
result of your use of our Service without obtaining the prior approval of your joint account holder(s)); 6. ENDING YOUR USE OF THE SERVICE
• the joint account can no longer be operated on your instructions alone; or 6.1 You can cancel the Service at any time by writing, emailing or faxing notification of cancellation to us in the form
• they will no longer let you operate the joint account using the Service. prescribed by us from time to time and address this to the person specified by us from time to time. This
3. CARRYING OUT YOUR INSTRUCTIONS agreement will continue until either party cancel it.
3.1 We will, subject to your compliance with this agreement and all other relevant terms and conditions, act upon 6.2 We may end or suspend your use of the Service . We will usually give you 30 days’ notice before doing so.
instructions received using your Security Codes without getting further confirmation from you. However, we may give you a shorter period of notice or no notice at all if we consider it necessary, for example,
3.2 You will be liable for all the consequences arising from instructions given using your Security Codes, unless: because of security concerns in connection with your use of the Service, if your account is overdrawn without
• the instructions are given after you have notified us that you think your Password is known to someone else; authorisation, following an actual breach of an arrangement with us or where we think you are likely to breach
• someone impersonating you contacts our Helpdesk in circumstances where you have not been careless or an arrangement with us.
fraudulent and are not in breach of this agreement; 6.3 We may suspend your use of the Service if you do not use it for 12 months.
• the Security Codes have become known through our actions or negligence. 6.4 Ending your use of the Service will not affect instructions you have already given.
3.3 Once you have given an instruction you cannot cancel it. If you ask us, we may try and reverse it as far as 7. CHARGES
possible under the practices of the banking system. You will pay any costs associated with our attempt to 7.1 We have the right to charge you fees for the Service . If we decide to charge you for the Service we shall
reverse the instruction. give you 30 days’ notice and provide to you details of the arrangements for payment. We are obliged to
3.4 At no point are we obliged to: advise you of the possibility that there may be other costs or taxes imposed by third parties in connection with
• accept a conditional or reversible instruction; or the Service . However, we are currently not aware of any such costs or taxes.
• pay someone sooner than we could following our normal banking practices. 7.2 We may debit the fees for the Service from your principal account or any other account which you specify.
3.5 We may (but we are not obliged to), if we think it justified, refuse to carry out an instruction or insist on written We are entitled to debit any sums due to us from any other account you have with us should the account
confirmation. nominated by you not have sufficient sums.
3.6 If we think you may not have authorised an instruction, we may try to check it. We may refuse to act upon it or 8. OUR RIGHT TO CHANGE THIS AGREEMENT
take steps to reverse it. We will not be responsible to you for any loss, damage or injury that you suffer as a 8.1 We have the right to change the terms of this agreement by giving you notice in writing or by sending you a
result of our refusal to act upon, or the reversal by us of an instruction, to you as long as we have acted message via the Service . Your use of the Service will not be affected by the change until the time when
reasonably. you received or could have received the notice. Any other changes to this agreement shall only be effective if
3.7 A transaction may not always be processed as soon as you give the instruction for it. Also, despite the fact that they are agreed between the parties and are in writing.
the Service may be available outside normal banking hours you acknowledge that, some instructions can only be 8.2 We will normally give you 30 days’ notice of any change. It may have to be shorter for security reasons or
processed during normal banking hours if the instructions are received by us within specified cut-off times. where circumstances are beyond our control. After you have received the notice your continued use of the
3.8 You can usually use the Service for 24 hours, seven days a week. You acknowledge that routine maintenance, Service shall be deemed to indicate your acceptance of the change (but remember, you can always end the
demand on the systems and other reasons may mean that it is not always possible to access the Service. Service ).
4. OUR OWNERSHIP OF INTELLECTUAL PROPERTY 9. MISCELLANEOUS
Material and information supplied in any way in connection with this agreement or the Service may contain 9.1 We believe this agreement is fair. If any part of it proves not to be legally valid for any reason, it will not affect
valuable information that belongs to us or others. You must not use any such material or information except to the rest of the agreement and the invalid term shall be treated as changed in a way that makes the term valid
operate the Service. You are not entitled to under any circumstances, take copies, sell, assign, lease, sub-license and in line with the rest of the agreement.
or otherwise transfer any such material to anyone else. All such material or information belongs to us or our 9.2 The failure on our part to exercise or enforce any rights we have under this agreement shall not be deemed to be
licensors and is protected by intellectual property laws including, but not limited to, copyright. Unauthorised use a waiver of any such right or operate as to bar the exercise or enforcement thereof in the future.
of any information or material not belonging to you may give rise to a claim for damages and/or may be a 9.3 This agreement constitutes the entire understanding and agreement of the parties relating to the subject matter
criminal offence. of this agreement and supersedes, cancels and replaces all prior agreements between the parties which relate
to this subject matter.
9.4 Although this agreement may be translated into another language the English language version of this
agreement shall prevail in the event of a conflict between the different language versions of this agreement.
The parties agree that all communication arising out of or concerning this agreement (including all disputes)
shall be in the English language.
I have read and unconditionally agree to the above terms and conditions for the provision of For Joint Accounts
Internet Banking Services by Lloyds TSB Bank plc. As one of the joint holders to the account(s) with Lloyds TSB Bank plc referred to in this
application, I consent to the account(s) being operated in accordance with the instructions
provided by the above account holder(s) through Internet Banking Services provided from time to
time by Lloyds TSB Bank plc without any further consent being required from me, and I agree to
be bound by the terms and conditions set out above.