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This branch is closing, but your bank is always open

Now more than ever, the way people choose to bank is changing as the digital revolution continues. As a business, we need to adapt our services to keep up with the changing needs of our customers. In this booklet we’ve set out why we’ve made the decision to close this branch and how and where you can find the banking services and expertise you need. We’ll go into this in more detail later on, but here are the main reasons why this branch is closing: • „he num˜er of ™ustomers using the ™ounter h—s gone upD however it is low in ™omp—rison to simil—r ˜r—n™hes

• UV7 of our ˜r—n™h ™ustomers —lso use other w—ys to do their ˜—nkingD su™h —s online —nd ˜y telephone

• sn the p—st IP monthsD TW7 of this ˜r—n™h’s ™ustomers h—ve ˜een using neigh˜ouring ˜r—n™hes

• ynly RT ™ustomers regul—rly used this ˜r—n™h without inter—™ting with us in —ny other w—yF

I realise that you may have questions and concerns about these changes, so please feel free to get in touch using the details below. Yours, u—y i™™les gum˜ri— 8 v—n™—shire gommunity f—nking hire™tor k—yFe™™lesd˜—r™l—ysF™om What’s changed in your branch?

Many customers are choosing to bank differently

UV7 2016

PIDVTV Use other PHDQVH ways of TQ7 banking 2012 Oct 2014-Sep 2015 Oct 2014-Sep 2016 Oct 2015-Sep Counter transactions Counter TW7 of customers of this branch who have used neighbouring branches in the last 12 months

sn —llD only RT regul—r ™ustomers used this ˜r—n™h without inter—™ting with us in —ny other w—y 4 | 5

How this branch is used

Before we make the difficult decision to close any branch, we think carefully about how it has been used so far. We consider how many customers have been visiting, what kind of transactions they’ve been making, and all the other ways they’ve been choosing to bank with us.

Customers Opening hours of €—dih—m Usage in Regular Heavy % heavy users who IHXHHEITXHH last year (3+ times) (12+ times) also use neighbouring Monday branches Tuesday glosed

Wednesday IHXHHEITXHH

Thursday IHXHHEITXHH Personal IDIPV QHI TW7 Friday IHXHHEITXHH QHV IRR UH7 Business Saturday glosed & Corporate Sunday glosed Weekly transactions Personal Facilities available Counter ‰es Counter Cash Cash Cheque services transactions withdrawals deposits deposits Cash xo Oct 2014-Sep 2015 PST IHR WW SQ machines

Self service xo Oct 2015-Sep 2016 PUR IIH III SQ machines

Change 2014-15 v 2015-16 U7 T7 IP7 H7

Business & Corporate

Counter Cash Cash Cheque transactions withdrawals deposits deposits

Oct 2014-Sep 2015 IQR II RW UR

Oct 2015-Sep 2016 IRT IU ST UQ

Change 2014-15 v 2015-16 W7 SS7 IR7 EI7 Other places you can bank locally

There are many other ways you can still bank in your local community, including nearby Barclays branches, cash machines and Post Offices, which offer a number of banking services.

Where to find nearest three Barclays branches, nearest three Post Offices, and nearest three free cash machines

Closing branch Nearest three Barclays branches Nearest three Post Offices Nearest three free cash machines

Local Barclays branches

Name furnley ‡h—lley e™™rington

Post Code ffII Ixr ffU Wƒ‡ ffS It‰

Distance (miles) QFT RFU SFH

Opening hours MondayHWXHHEIUXHH MondayIHXHHEITXHH Monday HWXQHEITXQH

TuesdayHWXHHEIUXHH TuesdayIHXHHEITXHH Tuesday HWXQHEITXQH

WednesdayHWXHHEIUXHH Wednesdayglosed Wednesday HWXQHEITXQH

ThursdayHWXHHEIUXHH ThursdayIHXHHEITXHH Thursday HWXQHEITXQH

FridayHWXHHEIUXHH FridayIHXHHEITXHH Friday HWXQHEITXQH

SaturdayHWXHHEIRXHH Saturdayglosed Saturday HWXQHEIQXHH

Sundayglosed Sundayglosed Sunday glosed

Any recent or upcoming changes xone xone xone to branch trading hours?

Branch Facilities – Counters ‰es ‰es ‰es

Branch Facilities – Self service ‰es ‰es ‰es 6 | 7

Nearest free cash machines to this branch

Location Address Distance (miles) Charge amount

f—rg—in fooze IIEIQ furnley ‚o—dD €—dih—m ffIP Vxe HFH FREE

ƒ—nt—nder QR furnley ‚o—dD €—dih—m ffIP Vf‡ HFI FREE

„es™o ‡yre ƒtreetD €—dih—m ffIP Vh HFQ FREE

Nearest cash machines to this branch that charge a fee

Location Address Distance (miles) Charge amount

‚—mz—n pood ƒtore PQ †i™tori— ‚o—dD furnley ffIP V‚p HFT £IFUS

ghe—pside wini w—rket UHP €—dih—m ‚o—dD furnley ffIP Tvq IFP £IFUS

v—ndon xews TT E TV w—n™hester ‚o—dD furnley ffIP Uvp IFS £IFSH

Nearest Post Offices to this branch

Post Office Name Distance (Miles) Address Opening hours Banking facilities

€—dih—m HFI PR furnley ‚o—dD €—dih—mD furnley ffIP Vi HWXHH E IUXQH wonEƒ—t ‰es glosed ƒun

†i™tori— ‚o—d HFT PQ †i™tori— ‚o—dD €—dih—mD furnley ffIP V‚p HVXHH E PHXHH wonEƒ—t vimited HWXHH E PHXHH ƒun

‚e—d IFT €ost yffi™e —nd ƒervi™e ƒt—tionD ‡h—lley ‚o—dD HWXHH E IVXHH wonEƒ—t ‰es ƒimonstownD furnley ffIP Ux glosed ƒun Community feedback

We understand that the decision to close a branch affects different communities in different ways, so we spoke to people in your community to hear their opinion. We wanted to find out how your community, and particular groups within it, would be affected if this branch were to close, and what we could do to help people through the transition.

We contacted the following groups: We asked all of the groups to answer three MP: questions. You’ll find their responses below. Julie Cooper In your opinion, what’s the biggest effect that this branch closing will have on your local community? Local Councillor Chief Executive Pam Smith You said to us: There were no specific concerns raised about the closure Customers or any potential impact on the local community. A number of customers who regularly use the branch We’d like to say: We have looked carefully at how this branch is used. Many customers already use nearby branches and online or telephone banking and we’ve seen a general fall in the numbers of customers coming to the branch.

We are encouraging customers to do their everyday banking at the Post Office less than 100m away, which is open Monday - Saturday 09:00 - 17:30. We’re also talking to customers about how they can do their banking from home too.

The closure doesn’t affect the number of available cash machines in the community since the branch does not have an ATM. There are free to use ATMs nearby at Bargain Booze and Tesco. 8 | 9

What’s the biggest effect that this branch closing will What alternative ways to bank do you believe would have on customers of the branch? help people adapt to the change?

You said to us: You said to us: There were no specific concerns expressed about There were no concerns expressed about customers customers finding the closure inconvenient. being able to use alternative banking methods.

We’d like to say: We’d like to say: While the potential impact of the closure is small, we are To make sure customers are happy with the alternatives, making sure we speak directly with customers to make we have talked to customers about using other ways to sure they have good awareness of alternative ways to do their everyday banking, including Mobile and Online do their banking. This includes telephone banking to Banking – and Telephone Banking if they would prefer to speak to someone in person. We have made sure they’re speak to someone. Support is also available through our familiar with the Post Office arrangement too. telephony and website services.

Many customers already use our nearest branches at , Whalley and . However, we understand it’s not always convenient to travel, so we’ve been offering support to help customers adapt to new ways of banking that mean they don’t have to come into the branch so often.

Other things to help with the change…

At the Post Office customers can withdraw cash, pay in cash and check balances using a debit card and pin. Business and Personal customers can pay in cash using a pre-printed paying in slip at the Padiham and Read Post Offices, although it could take an extra two days to reach Barclays accounts using a paying in slip. Unfortunately this service is not currently available at Victoria Road.

Both business and personal customers can pay in cheques. You’ll need:

1. a pre-printed paying-in slip. You’ll find these in your cheque book, or you can order them at any branch

2. a paying-in envelope. We have extra stock in the Padiham branch, so please call in before the closure to pick some up. Otherwise, just call 0800 169 3091 for these, and we’ll pop some in the post. There are more ways to bank locally

We want to be there for you wherever and whenever you need us so we offer many other ways for you to do your banking.

If you usually: If you usually: If you usually: Visit an in-branch counter Make a trip to a branch to Make a trip to a branch to to deposit your cheques check your balance, pay bills, withdraw cash at the counter transfer money and order chequebooks

Why not try: Why not try: Why not try: Using the Post Office – you Using Telephone Banking Withdrawing cash can pay in cash and cheques – you can do your everyday at a Link cash machine whilst you post your parcels banking without leaving or ask for cashback at or buy your stamps the house. the supermarket To register, simply call 0345 734 5345* 10 | 11

Your bank is always open

We want to make staying in control of your everyday banking as easy and convenient as possible. Over the years, we’ve introduced many ways you can bank without having to come into a branch.

Telephone Banking The Post Office Available 24 hours a day, seven days a week. You can hear Personal customers can withdraw money using a debit your balance, check transactions, pay bills and transfer card and all customers can pay in cash or cheques at money. You can speak to an adviser about your banking thousands of Post Office branches across the country. needs too. To register, just call 0345 734 5345*. To pay in cash and cheques you need a pre-printed paying in slip, like those in your cheque book – for Online Banking cheques you will also need a cheque deposit envelope. Do all your everyday banking tasks from your home computer. We use the most advanced security systems to Barclays at Asda keep your details safe and our Online and Mobile Banking Our branches at some Asda stores allow you to visit a Guarantee protects you from fraud. To register, just call branch late at night or at the weekend. To find locations 0345 734 5345*. of our branches at Asda, go to barclays.co.uk/waystobank Barclays Mobile Banking Did you know you can also get cash back at any local Transfer money between accounts and keep a check on supermarket? Just ask at the check-out. your balances. If you need to, you can call us directly from the app too. The Barclays Mobile Banking app is free to Link cash machines download from your app store. Withdraw cash free of charge at any cash machine displaying the Link sign. You can check your balance, Barclays Pingit top-up your mobile phone, print off a mini statement Sending money is secure and instant with no need to and request a receipt too. share bank account details. You’re automatically protected in the event of fraud as long as you’ve used the services correctly. The Barclays Pingit app is free to download from your app store.

If you would like more information or help with any of the different ways you can bank with us, please speak to someone in the branch or visit barclays.co.uk/waystobank Find out more today barclays.co.uk/waystobank To get this in Braille, large print or audio, call 0800 400 100 (via Text Relay) or visit barclays.co.uk/accessibleservices Calls may be recorded for quality and training purposes. * Calls to 03 numbers are charged at the same rate as calls to 01 & 02 landlines, and will count towards any inclusive minutes you may have covering calls to landline numbers. Call charges may differ, please check with your local provider. Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702). Registered in . Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP. stem refX WWIRHUIE €—dih—mF snform—tion ™orre™t —s —t w—y PHIU