Transparency

• HBOS was the first UK financial services and ATM provider to feature green labels on all our ATMs to inform customers that they are free.
• HBOS was the first issuer to put a summary box on credit card statements to ensure that all of our customers fully understand the costs associated with using their credit card.
• HBOS is the only issuer to put a summary box on credit card cheque mailings providing details about interest rates, cheque fees, legal safeguards and general rules governing their use.
• HBOS is the only issuer not to issue credit card cheques to under 25s and includes reminders in every cheque mailing that customers have the right to opt out of receiving further credit card cheques.

More detailed information on responsible lending can be found in our Corporate Responsibility Report .