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New Joiner Form NEW JOINER FORM For colleagues who wish to join Your Tomorrow (the Scheme) If you’d like to join the Scheme, complete this form to tell the Trustee how much you’d like to contribute to your account, and how you’d like to invest the contributions. Before completing this form, read ‘A Guide to Your Tomorrow’ and/or the Investments section of the Group Pensions website. Once you’ve completed the sections relevant to you in BLOCK CAPITALS and black ink, please sign, date and return to: Lloyds Pension Administration Willis Towers Watson PO Box 545 Redhill, Surrey RH1 1YX If you’ve any questions or require this document in large print, Braille or audio format, please contact the Scheme administrator: 01737 227 522 [email protected] Section A - Your details Title (e.g. Mr, Mrs, Dr): Telephone number: Forename(s): Email address: Payroll ID or Surname: National Insurance No.*: * This is a mandatory field. If you were previously a member of a Lloyds Banking Group Defined Benefit (DB) pension scheme and have opted out of that scheme, please provide your last day of membership (the effective date of the option to leave the scheme). You’ll find this information in the confirmation letter that was issued to you by the Scheme administrator of your DB pension scheme after you completed an Opt Out Form. Please note: it will take at least one month before your membership of Your Tomorrow starts. There may also be a qualifying period for some benefits. DD MM YYYY Completing this form is very important • You can choose the amount of contributions you wish to make; otherwise core contributions will be 3% of your basic salary and the company contribution will be 9%. • You can choose which investment approach is most appropriate for you; otherwise your account will be invested using a specific version of LifePlan chosen by the Trustee. 1 Section B – Your contribution Choose the contribution (as a percentage of your basic salary) you’d like to pay to the Scheme. Only tick one box. Your contribution: Company contribution: 3% 9% 4% 10% Your core contribution You can choose to contribute more than 6%. These contributions will be classed as additional 5% 13% contributions. The maximum company contribution is 15%. 6% 15% More than 6% (please specify) % 15% Section C – Your investment approach You can choose from two investment approaches: LifePlan and PersonalChoice. You can invest all contributions using one approach, or invest each contribution type (core, company and additional) differently. To find out more about these options, visit the Investments section of the Group Pensions website. If you don’t choose a specific investment approach, all contributions will be invested in the following version of LifePlan: Flexible Income Focus This option is for members who haven't decided how they want to use their savings at retirement yet. It's also suitable for members who plan to use their savings in a variety of ways, and members who want to take a flexible income by investing their savings and taking an income from them as and when they need it. You can change how your contributions are invested at any time in the future. This is easy to do on Your Pension – log in now at epa.towerswatson.com/accounts/lbg If you want to choose your own investment approach now, please choose one investment approach for each contribution type that applies to you. Only tick one box per column. Investment approaches Core contributions Company contributions Additional contributions* LifePlan or or or PersonalChoice * Additional contributions include your contributions of more than 6%. If you’ve chosen: • LifePlan only; complete Sections D and G; • PersonalChoice only; complete Sections E and G; or • LifePlan and PersonalChoice; complete Sections D, E and G. 2 Section D – LifePlan Only complete this section if you’ve chosen the LifePlan investment approach (in Section C) for any of your contribution types. Complete the two steps below to set up your own LifePlan strategy. You can change your choices at any time. 1 Choose your LifePlan option. Only tick one box per column. LifePlan options Core contributions Company contributions Additional contributions Flexible Income Focus (When you retire, invest your savings and take a flexible income from them as and when you need it. This option may also be suitable if you plan to use your savings in a variety of ways, or you haven’t decided yet.) or or or Annuity Income Focus (When you retire, turn your savings into a regular income for life by buying an annuity.) or or or Cash Focus (When you retire, take your savings as a cash lump sum.) Choose your target retirement age. Your target retirement age can be any age between 55 and 75. 2 My target retirement age is . 3 Section E – PersonalChoice Only complete this section if you’ve chosen the PersonalChoice investment approach (in Section C) for any of your contribution types. You don’t have to fill in every box; the PersonalChoice fund range is there for you to select the funds you specifically want to use. Fill in how much you want to invest in each fund. Your investment choices for each column that applies to you must add up to 100%. All percentages must be whole numbers. Core Company Additional Investment funds contributions contributions contributions Global Equity Fund % % % Mixed Investment Fund % % % Annuity Bond Fund % % % Cash Fund % % % Emerging Markets Equity Fund % % % Property and Infrastructure Fund % % % Bond Fund % % % UK Equity Fund % % % North America Equity Fund % % % Europe (excluding UK) Equity Fund % % % Japan Equity Fund % % % Asia Pacific (excluding Japan) Equity Fund % % % Shariah Global Equity Fund % % % Sustainable Select Global Equity Fund % % % Total: 100% 100% 100% Section F – Looking after your data The Trustee is a ‘data controller’ of personal data it processes to administer the Scheme. As data controller, the Trustee holds and processes certain personal data about you, as a Scheme member, and possibly those of your dependants and beneficiaries. Personal data means information that can be used to identify you, such as your name. The Trustee holds and processes this data to properly administer the Scheme, to comply with the law and to ensure you receive your Scheme benefits. The types of data the Trustee may collect and hold will include, for example, your National Insurance number, date of birth and your postal address. The Trustee generally collects this data from you and from your employer. Some of the data the Trustee collects may be classed as ‘special category data’, such as information you tell us about your health if you apply for ill-health pension benefits. Where the Trustee collects such data, we are required to meet additional legal requirements in relation to our processing activities. As the Trustee is assisted by third parties to properly administer the Scheme, your personal data may be shared with these parties, including for example, the Scheme’s administrator, the Scheme’s actuary, the Trustee’s professional advisers (such as the Scheme’s lawyers), service providers, regulators and Government bodies. Your personal data may also be shared with your employer and the trustees of any other Lloyds Banking Group pension scheme, life assurance scheme or death benefit scheme under which you are a beneficiary or member, or any third parties providing services connected to the administration of those schemes. Further information on how the Trustee uses your personal data and your rights regarding that data can be found at lloydsbankinggrouppensions.com/data 4 Section G – Your authorisation To: Lloyds Bank plc I hereby apply to join the Scheme from such date and on such terms as shall be determined by Lloyds Bank plc and advised to me in writing. I declare that: • To the best of my knowledge and belief, my state of health is good and I don’t suffer from any latent condition or infection, which might significantly reduce my working capacity in the foreseeable future or my expectation of life, and I am currently actively at work and undertaking my normal duties. • I’m not at present under any medical investigation and/or treatment. Where either one of these declarations is not possible, the declaration should be deleted and details of the medical condition or disability should be provided on a separate sheet of paper and returned with this form. I agree that I’ll provide Lloyds Bank plc, Lloyds Banking Group Pensions Trustees Limited (the Trustee of the Scheme) or its insurer with further information regarding my health and well-being if requested to do so in connection with my application to join the Scheme. I understand that under the Rules of the Scheme: • If I die within twelve months of joining the Scheme, any lump-sum death-in-service benefit will be limited to four times my salary at date of death. • If I’m rejoining the Scheme after having previously opted out, and I leave service due to partial or total incapacity, the qualifying period of five years for the purposes of incapacity retirement benefits will commence on rejoining. • If any benefits are insured, these benefits may be subject to any restrictions imposed by the insurer(s) or, if they are not insured, the Trustee may restrict the benefits on terms that it considers may have applied had they been insured (the Trustee will notify Scheme members of any restrictions). I understand that trading in investment funds can sometimes be limited or suspended and that where this happens, there may be a delay in acting upon my instructions, or mean that I am offered a partial settlement of benefits, or that there is a delay in settling all of my benefits.
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