Closing Branch Review - Part 1 Kinross branch

Following an in-depth review, this branch will close on 19th August 2020 Background and decision What this means for you Our customers’ needs are changing. Nearly 16 million people You can continue to use any other Bank of Scotland branch and now bank with us through Internet Banking and over 10 million the nearest alternative is the Cowdenbeath branch. use Mobile Banking. Branches will remain vital in meeting There will also be a new Mobile Branch service visiting the customers’ needs but we must continually review our network to Kinross area. make sure we have branches in locations where customers need and use them the most. You can also use your local Post Office® for many everyday banking transactions. As a result, we’ve made the difficult decision to close this branch because customers are using it less often. In addition the We’ll still be here to support you, and there are other ways you can majority of customers are also using alternative ways to bank. continue to do your banking – take a look at this document to find out about these in more detail, as well as a summary of our review. í Kinross branch Branch facilities: 2 High Street Monday 09:30 - 16:30 Cash machine Cash machine Talking Kinross Tuesday 09:30 - 16:30 inside branch outside branch cash machine KY13 8AW Wednesday 09:30 - 16:30 Level or Self Service Counter Thursday 09:30 - 16:30 ramp access Zone or service Friday 09:30 - 16:30 to branch Machines Saturday Closed

How we made our closure decision When we close a branch, we complete a detailed impact analysis which includes:

▶▶ How customers are choosing to bank with us ▶▶ Assessment and check of alternative ways to bank including ▶▶ How often customers use the branch and how that usage their proximity and accessibility - this is confirmed by a visit is changing ▶▶ Assessment of public transport, availability and frequency ▶▶ Current services available in the branch and the branch ▶▶ Impact on our customers including those who may need opening hours. additional support. By regularly reviewing our branches we can make sure we respond to our customers’ changing needs. û Kinross branch customers H How customers are using this branch Age of personal Type of customer customers using branch using branch 12% 198 Counters at Kinross branch are of our customers use the 12% quieter than a year ago branch on a regular < 18 4% monthly basis 18-24 5% 16% 25-34 11% 35-44 11% Branch usage compared to a year ago 45-54 17% 55-64 17% Services Personal Business 65-74 17% 84% 75+ 18% G Counter transactions 13% 11% Self Service Zone Figures have been rounded up or Personal Customers or machine down to show as whole numbers Business Customers e transactions N/A N/A

Cash machine ā Kinross customers are already banking a transactions 2% 10% in other ways Branch usage compared to a typical Bank of Scotland branch of personal customers using Kinross branch have 52% also used other Bank of Scotland branches Personal Business

of customers using Kinross branch have also used Customers 74% other Bank of Scotland branches, Internet Banking ü using branch 62% 16% or Telephone Banking

of personal customers using Kinross branch have Terms used in this document are explained further on page 4. 31% also used the Post Office® Ways you can continue to bank with us Ĺ Your new Mobile Branch Your new Bank of Scotland Mobile Branch will be visiting the Kinross area. The full timetable will be available at bankofscotland.co.uk/mobilebranch shortly before the new service starts to operate. You can use the Mobile Branch for many of your everyday banking needs, including: ▶▶Paying in cheques and up to £5,000 cash per day (no more than 10 bags of coin) ▶▶Withdrawing up to £500 cash a day (Business customers will need photo ID and their business bank card or cheque) ▶▶Paying bills and making other payments.

Ó The nearest alternative branches to Kinross branch To find your most convenient alternative branch please visit bankofscotland.co.uk/branchfinder

Cowdenbeath branch 349-351 High Street Monday 09:00 - 17:00 Cowdenbeath Tuesday 09:00 - 17:00 Fife Wednesday 09:30 - 17:00 Cash machine Cash machine Talking KY4 9QJ Thursday 09:00 - 17:00 inside branch outside branch cash machine Friday 09:00 - 17:00 Saturday Closed This branch is 8.07 miles away from the Kinross branch. Level or Self Service Counter ramp access Zone or service How you can get to this branch to branch machines There are regular buses from Kinross to Cowdenbeath with a total journey time of about 50 minutes including a change.

Falkland branch High Street Monday Closed Falkland Tuesday 10:00 - 15:00 Cupar Wednesday Closed Cash machine Cash machine Talking Fife Thursday 10:00 - 15:00 inside branch outside branch cash machine KY15 7BZ Friday Closed Saturday Closed This branch is 11.5 miles away from the Kinross branch. Level or Self Service Counter ramp access Zone or service to branch machines How you can get to this branch It is about a 20 minute drive form Kinross branch to Falkland branch. ë Internet Banking ÿ Telephone Banking Register for Internet Banking and manage your accounts Our automated service is available 24/7. If you need to speak 24/7, 365 days a year. It’s simple to register, just go to to us in person our friendly advisers are just a phone call away bankofscotland.co.uk, visit a branch or call us. making it quick, easy and safe to manage your money by phone. With Internet Banking, you can: To register for Telephone Banking go to bankofscotland.co.uk ▶▶Check your balance and review and download statements or call us: 0345 780 1801 – Personal advisers available 7am-11pm everyday. 0345 300 0268 – Business Advisers ▶Transfer money and pay bills ▶ available Monday to Friday 7am-8pm, and Saturday 9am-2pm ▶Apply for a credit card, loan or overdraft ▶ With Telephone Banking, you can: ▶▶Business customers can make up to 25 payments in one batch ▶▶Access all your accounts during the same call with our secure bulk payments service, can grant delegate access to multiple users and set up Online Payment Control ▶▶Check balances, recent transactions and order statements ▶▶Register your mobile for text alerts and requests. ▶▶Transfer money and pay bills ▶▶Apply for a credit card, loan or overdraft é Mobile Banking ▶▶Order cards, PINs, cheque books or paying in books Register for Mobile Banking, and do all your banking basics ▶▶Cancel or hear details of your Direct Debits and amend securely where and when it suits you. Find out more at Standing Orders bankofscotland.co.uk ▶▶Register for Internet Banking and Mobile Banking. With Mobile Banking, you can also sign up for text alerts to let you know when your balance reaches a limit you set. You must be signed up for Internet Banking beforehand.

Other local banking services in your community v Post Office® d Cash machines Customers with a debit card can make We’ll be closing the cash machine at the Kinross branch, but immediate cash deposits, card withdrawals and nearby free-to-use cash machines are listed below: get balance enquiries. The Co-operative Food Kinross, 54-56 High Street, KY13 Personal and Business Banking customers can deposit cash and 8AN, 0.16 miles away cheques using a paying-in slip at any Post Office® nationwide (Personal customer cash deposit limit is £1000). Sainsburys, 65 Station Road, KY13 8FH, 0.45 miles away Deposits made at the Post Office® using a paying-in-slip will take Giacopazzi, 1 Sands House, KY13 8SY, 0.75 miles away at least one additional day to credit to your account. To find your most convenient alternative free cash machine you Kinross, 52 High Street, Kinross, KY13 8AN can use the ATM Link Locator: www.link.co.uk/atm-locator

To find out more about the services available, your most convenient Post Office® and its opening ó PayPoint times please visit the Post Office® website: To find your most convenient PayPoint you can use the PayPoint www.postoffice.co.uk/branch-banking-services Locator at www.paypoint.com

We’re here to help and support you before and after the branch closes Ì G Ğ Đ If you’re a Personal Speak to one If you’re a Commercial If we can’t resolve customer call us on of our branch Banking customer, your problems. 0345 780 1801. If you’re a colleagues. you can talk to your Contact us using the details Business customer Relationship Manager. available at the end of call us on this document. 0345 300 0268. k Bank of Scotland is part of the Lloyds Banking Group. Lloyds Banking Group is a signatory to the Access to Banking Standard and the result of our local community engagement will be published in Part 2 of this document before the branch closes. Ó Details on the statistics in this document

The statistic How we measured this Counters quieter or busier than a year ago Rolling year on year percentage change in counter transactions. Customers using the branch on a regular The number of customers who transacted at the counter or Immediate Deposit monthly basis Machine (IDM) in 11 out of 12 months in a 12-month period. Percentage of customers using this branch The percentage of Personal or Business customers using the named branch compared compared to a typical Bank of Scotland branch to the average number of Personal or Business customers using a typical Bank of Scotland branch. Percentage change in counter transactions Year on year percentage change in Personal or Business customer counter transactions. Percentage change in Self Service Zone or Year on year percentage change in Personal or Business customer Self Service Zone or machine transactions machine transactions. Percentage change in Cash machine Year on year percentage change in Personal or Business customer Cash machine transactions transactions. Percentage of customers who use this branch The proportion of Personal customers who have used this branch and have also used a and other Bank of Scotland branches different branch in the last 12 months. Percentage of customers who use this branch The proportion of Personal customers who have used this branch and have also used and have also used other Bank of Scotland other Bank of Scotland branches and Internet Banking or Telephone Banking in the last branches and Internet Banking or Telephone 6 months. Banking Percentage of customers who use this branch The proportion of Personal customers who have used this branch and have also used and the Post Office® the Post Office® in the last 12 months. Other branches nearby – distances Based on the road distance between the closing and next closest branches. Source: Mapinfo – this software package measures distances between postcodes. Cash machine distances Measured on a straight line basis between the postcode of the closing branch and the postcode of the cash machines. This branch is within walking distance This is based on a walking distance of 0.4 miles or 10 minutes. This branch can be reached by public transport There is a regular bus service between the closing branch and the nearby branch(es).

Please ask a member of staff if you need any additional support. Here to help You can call us on 0345 780 1801, visit bankofscotland.co.uk, @AskBankofScotland or go into any Bank of Scotland branch.

If you need extra help If your vision is impaired – Please contact us for an alternative format such as large print, Braille or audio CD. If your hearing or speech is impaired – You can contact us using the Next Generation Text (NGT) Service or via textphone on 0345 600 9644 (lines are open 24 hours a day, 7 days a week). If you’re Deaf and a BSL user, you can use our SignVideo service at bankofscotland.co.uk/accessibility/signvideo

If you need If you need to make a complaint – You can visit your local branch or call 0800 072 8668 or to tell us 0131 278 3729 (Textphone 0800 389 1286 or 0131 278 36900, if you have a hearing impairment). Find out more at something bankofscotland.co.uk/contactus/complain If your contact details change – Please log on to Internet Banking at bankofscotland.co.uk to edit your telephone numbers, email address and marketing preferences. When you call us – Your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. Not all telephone banking services are available 24 hours a day, 7 days a week.

Things Cashpoint® and the Post Office® – Cashpoint® is a registered trademark of Lloyds Bank plc. you need The Post Office® and Post Office logo are registered trademarks of the Post Office Ltd. to know Keeping your money protected – Eligible deposits with us are protected by the Financial Services Compensation Scheme. We are also covered by the Financial Ombudsman Service.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

This information is correct as of November 2019 and is relevant to Bank of Scotland plc products and services only.