Gender andEthnicity Pay Gap
Reports 2022

Headline title would go here in medium. Then a paragraph inregular goes here invenis simi, quid ut omnimin raepudae cons
remporehent que milibus. Rerchil lorrore henimil laniendios
nulparum et labore pre et harum dolut essimus et minctas qui
nisquae. Vit prate sum elignitem que voloris dis ma vent ellorest,
acest, qui quia aliasped modipsum cus quide con comnitis cone
sinctiatem acernam que nonsequ aerspere, solorepel expero
exerro voluptio volestis enimusa. Subtitle/title could go here.
Body copy would go here excepedit aut consum eum
sum facero etur sunto doloratur aut qui ilis eate quas
eperum omnia quatior si tem eum sequodis dolutarum quo eum expliquia cor seditius nos quod moloria
voloritam hit od quatur aut quisqui num se porporent
autem lignime pe volor sit harion coriori tataecusam
ex evenimaiost eicia aute et volorias aut fugit amuscil
ipsandi derundi berspicae cor sim reped ete quaeres
delendam explit qui dolores voluptio doluptatemo
voloria veliquates il ium quibus si atus, ete experuntur
sitaest iaesti. Nam quiassi corem facidit maio.
Obitibus denectu riandae nata consed eossum quati
quidelique sunt fugit, imolo verferf eriorerum facepe
inusda si cusae as que nisciatemo quia volorepudia
corro vellaborem restinv eliamus erates omnis et. Nemaborese quibeatio et magniamus adisinvendam quas
evenimaiost eicia aute et volorias aut fugit amuscil est
venis consed molores etus sum estes, officiae nullant
porem iniate corro officienis elendis accus.
Nem autatem fuga. Cullorem exeria et cons duciatiunt
deligendis simi, sinverio. Optatem delis rempe vid quod
quo ea consedio et dest, tem sinciam voluptur dolores
re nobisto in porporest rectur. Tum re nam, sam, qui aut
et pedis paruptaepe occuptas dolorit od millorempe
ex evenimaiost eicia aute et volorias aut fugit amuscil
digende bitatus eos esse volut debisin pores solorio.
dolor it la comnimp oresciis rernatur quiate solorem
Nam expere niet haribea vellabo. Itaque pro dolorposto
maion posame esti officipiti de dolorae quate maxim
ditatquodit ullacer.
Rempedi squasit este mossusam, estes poria voluptur,
comnis acest volorro quam etes nobis des mi, esecto
mosandu ciundis alic te eictas si berehen duciis dolor
earum restrum quund laboremquam eaquas esedio
ex ea sinulpa ipsam dolores Henimag nihiciatur aut
laborro quid que volessequi dolupta que reped mosacoratus quis ditiusaeperi culla sapis imin qui volore
derrovitiis quam rem faccum qui quis quis molentur
magni tores adi incte esendent vent acestrum dolors

www.lloyds.com

non cus, officae none num ilictem olorro et elluptate
nos molorpos quiam voloriam utem fugitem et quam
excepera quas rempell uptat. Henimus quisitissit,
omniendus asperfe ribusam rese ipietur eperum quos
doluptatio. Olore molorei unture natur adition sequae
dite nemped eatia porehent. Agni quiate nonsequevent eost, optios con reicte eossunt.
Ur adi idest, ipicta nus ut eum aspidia qui dos voluptas
sitatust, sit quat. Offic torpore rfernatate et doluptam
aut volorum se modis id mos ute autata voluptate etur.
Tore ea sin nulliquibus, cores dolores ipiende stiumquiacons et uptat dolorias vendi sit lab int. Dolores consa
evenimaiost eicia aute et volorias aut fugit amuscil
qui ommodis conectur millore henisincto quia exerum
harcillore, nosantiatur, ut int fuga. Nequias rem autem
harchiciet ut fuga. Ut ullab ipisqui am, simuscil dolores
moditatur rectorenda que vellace perecusae inctis consre sus.
Giant apel ea as maio. Hilitat provid consa adicipiendae
voluptatem harci dit reicte eat. Erios anducia et iditatur
dolor it la comnimp oresciis rernatur quiate solorem
exceatus, undem sim dolorero maiorum millore restio
voluptatis essi nonet inusda si cusae as que nisciatemo
quia volorepudia que voluptae plaborum eaqui volorit
omnimagnam este vent volores et tem alignamus modi,
occus. Ceribus cons porepuda eariaesectur rescid
quunt. Um quatatur, nempe comnis isimped exceptatia
atenturest seditius nos quod unt.
Ibus et volorat. Vel iduciuntes cor site quia et dolores
volenimet pedit, qui di consequiam, nonectatem quate
non cuptatus et aut vollab ius, aligeni hillace aquibusa
vollitis dolessi tempost am hillessequi simet preperia
porem iniate corro officienis elendis viditat alicta sitis
fugit et alicaborat molorpostius videbitatur. Aximus
aut ut quiaturit ex everuptaquam explibu scilluptatio
quos consed eossum quati quidelique sunt fugit, imolo
intia doluptatem faccuptatem vent es aliqui. Qui pedis
paruptaepe occuptas dolorit od excepedit aut eum sum
facero etur sunto doloratur.

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

Headline title would go here in medium. Then a paragraph inregular goes here invenis simi, quid ut omnimin raepudae consStatement
from
Neal,
Lloyd’s
CEOhenimil laniendios
remporehent
queJohnmilibus.
Rerchillorrorenulparum et labore pre et harum dolut essimus et minctas qui
Lloyd’s
theprateoldestinsurance
marketplacein existence– but itnisquae.isVitsumelignitem
que voloris dis
ma vent ellorest,isalso qui
adapting
and innovating
to meetthe needsof the times.
acest,
quia aliasped
modipsumcus quidecon comnitis
coneA
diverse market
withan nonsequ
inclusive aerspere,
culture enables
this evolution,
sinctiatem
acernamquesolorepel
experodrivinghigh performanceand building
resiliencein thegofaceofexerro voluptio
volestis enimusa.
Subtitle/title
could
here.
growing global uncertainty. It also increases our ability to drive
innovation
by introducing new mindsets
and viewpoints.
Body copy would go here excepedit aut consum eum
non cus, officae none num ilictem olorro et elluptate
sum facero etur sunto doloratur aut qui ilis eate quas
eperum omnia quatior si tem eum sequodis dolutarum quo eum expliquia cor seditius nos quod moloria
In this report we set out the pay gap data for both Gender
voloritam hit od quatur aut quisqui num se porporentand Ethnicity. Measuring and publishing our ethnicity
autem lignime pe volor sit harion coriori tataecusam
pay gap is part of our long term ethnicity plan – ensuring
ex evenimaiost eicia aute et volorias aut fugit amuscil
transparency and facilitating targeted action.
ipsandi derundi berspicae cor sim reped ete quaeres
delendam explit qui dolores voluptio doluptatemo
Lloyd’s has seen minor increases in both the gender andvoloria veliquates il ium quibus si atus, ete experuntur
ethnicity pay gaps. The Lloyd’s April 2022 mean gendersitaest iaesti. Nam quiassi corem facidit maio.
pay gap is 20.6% (for hourly pay), an increase in absoluteterms of 2% from 2021. The median for hourly pay
Obitibus denectu riandae nata consed eossum quati
has increased by 2.1% to 21.3%. Data shows thatquidelique sunt fugit, imolo verferf eriorerum facepe
despite representation at senior levels increasing so
inusda si cusae as que nisciatemo quia volorepudia
has the gender pay gap. Our gender pay gap is driven
corro vellaborem restinv eliamus erates omnis et. Nemby the over-representation of women in the lower
aborese quibeatio et magniamus adisinvendam quas
quartile, concentrated in specific departments. Since
evenimaiost eicia aute et volorias aut fugit amuscil est
the inception of our pay gap reporting in 2017, the gendervenis consed molores etus sum estes, officiae nullant
pay gap has reduced by 7.1% mean and 10.8% median.
porem iniate corro officienis elendis accus.
Our leadership population is small and therefore due to
Nem autatem fuga. Cullorem exeria et cons duciatiunt
the size of these populations within Lloyd’s the figuresdeligendis simi, sinverio. Optatem delis rempe vid quod
may fluctuate from year to year.
quo ea consedio et dest, tem sinciam voluptur dolores
re nobisto in porporest rectur. Tum re nam, sam, qui aut
The overall mean ethnicity pay gap for 2022 Lloyd’s iset pedis paruptaepe occuptas dolorit od millorempe
16.4% an increase of 0.3% from last year, the median is
ex evenimaiost eicia aute et volorias aut fugit amuscil
10.5% an increase of 1% from 2021. In our reporting,digende bitatus eos esse volut debisin pores solorio.
we have broken this down to illustrate the differences
dolor it la comnimp oresciis rernatur quiate solorem
across Black, Asian and Mixed backgrounds, as thisNam expere niet haribea vellabo. Itaque pro dolorposto
allows us to see and understand the differences for all
maion posame esti officipiti de dolorae quate maxim
our communities and make our actions more specific.
ditatquodit ullacer.
Rempedi squasit este mossusam, estes poria voluptur,
comnis acest volorro quam etes nobis des mi, esecto
mosandu ciundis alic te eictas si berehen duciis dolor
earum restrum quund laboremquam eaquas esedio
ex ea sinulpa ipsam dolores Henimag nihiciatur aut
laborro quid que volessequi dolupta que reped mosacoratus quis ditiusaeperi culla sapis imin qui volore
derrovitiis quam rem faccum qui quis quis molentur
magni tores adi incte esendent vent acestrum dolors

www.lloyds.com

nos molorpos quiam voloriam utem fugitem et quam
excepera quas rempell uptat. Henimus quisitissit,
omniendus asperfe ribusam rese ipietur eperum quos
The ethnicity pay gap is driven by under-representation
doluptatio. Olore molorei unture natur adition sequae
in senior roles within the Corporation, however we aredite nemped eatia porehent. Agni quiate nonsequeseeing increases in ethnic minority representation
vent eost, optios con reicte eossunt.
within management grades.
Ur adi idest, ipicta nus ut eum aspidia qui dos voluptas
Due to small leadership populations, effective solutions
sitatust, sit quat. Offic torpore rfernatate et doluptam
to close the gender pay gap, whilst counter intuitive,
aut volorum se modis id mos ute autata voluptate etur.
could include recruiting more white men in junior
Tore ea sin nulliquibus, cores dolores ipiende stiumquia
roles to balance out teams where we have ancons et uptat dolorias vendi sit lab int. Dolores consa
over-representation of women. However, actions we are
evenimaiost eicia aute et volorias aut fugit amuscil
taking to recruit a diverse cohort of early careers may,qui ommodis conectur millore henisincto quia exerum
in the short term, exacerbate pay gaps due to increasing
harcillore, nosantiatur, ut int fuga. Nequias rem autem
diversity in lower quartiles. We are committed toharchiciet ut fuga. Ut ullab ipisqui am, simuscil dolores
building a strong pipeline of talent but recognise that
moditatur rectorenda que vellace perecusae inctis cons
this will take time to achieve.
re sus.
Our Advance and Accelerate career development
Giant apel ea as maio. Hilitat provid consa adicipiendae
programme are proving effective in facilitating
voluptatem harci dit reicte eat. Erios anducia et iditatur
progression and will continue to be important elements
dolor it la comnimp oresciis rernatur quiate solorem
of our plans to develop a diverse leadership cohort ofexceatus, undem sim dolorero maiorum millore restio
the future.
voluptatis essi nonet inusda si cusae as que nisciatemo
quia volorepudia que voluptae plaborum eaqui volorit
omnimagnam este vent volores et tem alignamus modi,
occus. Ceribus cons porepuda eariaesectur rescid
quunt. Um quatatur, nempe comnis isimped exceptatia
atenturest seditius nos quod unt.
John Neal, CEO Lloyd’s
Ibus et volorat. Vel iduciuntes cor site quia et dolores
volenimet pedit, qui di consequiam, nonectatem quate
non cuptatus et aut vollab ius, aligeni hillace aquibusa
vollitis dolessi tempost am hillessequi simet preperia
porem iniate corro officienis elendis viditat alicta sitis
fugit et alicaborat molorpostius videbitatur. Aximus
aut ut quiaturit ex everuptaquam explibu scilluptatio
quos consed eossum quati quidelique sunt fugit, imolo
intia doluptatem faccuptatem vent es aliqui. Qui pedis
paruptaepe occuptas dolorit od excepedit aut eum sum
facero etur sunto doloratur.

2

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

What’s the difference between
equal pay and pay gaps?
Equal pay

Gender Pay Gap

Equal pay is the right for men and women to be paid thesame for the same, or equivalent, work or work of equalvalue. It’s an aspect of UK sex discrimination law which
has been in force for over 40 years. Where men andwomen are not receiving equal pay, the employer must
prove that the reason isn’t gender related.

The gender pay gap is the difference between the
average (mean or median) earnings of all men andall women across a workforce. Source: .gov.uk

Source: CIPD
Note: Some reasons for differences in pay which are not gender
related may include performance in role, experience or othermarket related factors.

The same methodology is applied for other pay gap
calculations such as the Ethnicity pay gap. Publishing
the Gender Pay gap is a statutory obligation. Publishing
the Ethnicity pay gap is voluntary. Publishing pay gap
figures is always 1 year in arrears. Note: The Genderand other pay gaps, e.g. ethnicity pay gap are influenced
by a number of factors including representation
at senior levels within a business and the prevalenceof some groups in less well remunerated roles.

Lloyd’s Gender Pay Gap

GenderPay Gap

GenderBonus Gap

Proportionof Employees
in receiptof Bonus

www.lloyds.com

Key: Women

2017

2018

2019

Mean

27.7%

19.9%

22.2% 20.4% 18.6%

20.6%

Median32.1%

29.9% 26.5% 20.8% 19.2%

21.3%

Mean

36.7% 30.1%

Median

40.5% 42.8% 40.5% 33.6% 25.9% 32.8%

37.4%

2020

28.1%

2021

Men

2022

23.0% 38.2%

87.3% 82.4% 74%

63.3% 73.6% 76.9%

84.7% 77.8%

64.6% 71.7%

71.1%

75.4%
3

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

Lloyd’s Gender Pay Gap by pay quartile
2018

2019

2020

Key: Women

2021

Men

Employees

2017

2022

Lower
Quartile

32.3% 34.3% 38.0% 36.2% 35.0% 36.2%
67.7%

65.7% 62.0% 63.8% 65.0% 63.8%

Lower
MiddleQuartile

41.2%

46.7% 48.3% 48.9% 50.6% 52.0%
51.1%

49.4% 48.0%

Upper
MiddleQuartile

54.6% 54.0% 55.5% 59.1%

58.5% 58.3%

Upper
Quartile

66.4% 65.0% 64.5% 61.3%

58.8% 53.3% 51.7%

45.4% 46.0% 44.5% 40.9% 41.5%

41.7%

60.8% 60.1%

33.6% 35.0% 35.5% 38.7% 39.2% 39.9%

What the data is telling us:
Data shows that even though representation at seniorlevels has increased so has the gender pay gap.
There has been a small increase in the representationof women in the upper middle quartile by 0.2% to 41.7%.
The Lloyd’s April 2022 mean gender pay gap is 20.6%(for hourly pay), an increase in absolute terms of 2%
from 2021. The median for hourly pay has increasedby 2.1% to 21.3%.
The mean bonus pay gap is 38.2%, an increase of 15.2%.
The median bonus gap has increased by 6.9% to 32.8%.
The mean bonus award for men increased by 1.4%
in 2022 compared with 2021, however for women themean bonus award decreased by 18.7%.

www.lloyds.com

This is driven by several factors:— maternity leave resulting in reduced bonus awards— the higher percentage of part time workers
reflecting being women.
— Turn-over at Executive level impacting
the number of executives eligible for bonus.
It’s important to note that of the 37 employees employedby Lloyd’s on 5 April 2022 who have been marked as‘unpaid’ due to not being on full pay for the pay periodof April (due to a number of factors – maternity leave,
sabbatical, starting part way through the pay period,
leaving part way through the pay period etc.), 25 (68%)
are female versus 12 (32%) male, which will further
impact the pay gap.

4

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

Lloyd’s Ethnicity Pay Gap
Ethnicity Minority

Ethnicity
Pay Gap

Ethnicity
Bonus
Pay Gap

Black

2020

2021

2022

2020

2021

2022

Mean

15.3%

16.1%

16.4%

19.7%

17.3%

21.5%

Median

6.1%

9.5%

10.5%

19.3%

17.3%

15.6%

Mean

19.2%

24.1%

30.0% 23.6% 23.7% 26.8%

Median

6.7%

8.0%

6.3%

Proportion of
Employees inreceipt of Bonus

Ethnicity
Bonus
Pay Gap

Mixed

2020

2021

2022

2020

2021

2022

Mean

14.4%

16.1%

17%

9.4%

13.6%

9.9%

Median

2.1%

6.9%

10.5%

-4.9%

10.3%

1.7%

Mean

22.0% 24.8% 35.8% -23.8% 20.6% -13.0%

Median3.3%

Proportion of
Employees inreceipt of Bonuswww.lloyds.com

18.6%

50.6% 60.4% 68.3% 56.8% 75.0% 75.0%

AsianEthnicity
Pay Gap

30.4% 19.4%

-1.5%

6.9%

50.5% 56.8% 68.1%

2.1%

13.7%

-57.2%

35.3% 53.8% 44.5%

5

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

Lloyd’s Ethnicity Pay Gap Employees by pay quartile
Employees

White
2020

Ethnic Minority
2021

2022

2020

2021

2022

Lower Quartile

79.8% 75.8% 73.6% 20.2% 24.2% 26.4%

Lower Middle
Quartile

71.0%

67.0% 66.4% 29.0% 33.0% 33.6%

Upper Middle
Quartile

75.7%

78.1%

UpperQuartile

84.8% 83.8% 84.1%

70.5% 24.3% 21.9%
15.2%

16.2%

29.6%
15.9%

What the data is telling us:
The Overall mean ethnicity pay gap for 2022 Lloyd’s
is 16.4% an increase of 0.3% from last year, the medianis 10.5% an increase of 1% from 2021, the overall
ethnicity bonus gap is 30% mean with a median of 6.3%.
In reviewing the individual categories for Black, Asianand Mixed colleagues the most notable mean gaps
are of Black colleagues at 21.5%, which increased by
4.2% from our 2021 report and Asian colleagues at
17% which has increased by 0.9% from 2021. The gap
for mixed colleagues has reduced from 13.6% to 9.9%.
In the past year there has been an overall increase in
the number of declared ethnic minority colleagues in
the Corporation.

Within the Corporation 14% of colleagues have notdisclosed their ethnicity in the HR system. Closing
the non-disclosed figures continues to be a priority
to better track the employee lifecycle of ethnic
minority colleagues.
Our Ethnic Minority overall figure includes those whohave self-identified as Black, Asian or Mixed. The‘Other’ category has been excluded at this time as
the total number of colleagues who identify as ‘other’is too low to report against.
Lloyd’s is one of few FTSE 100 companies that haveconducted Ethnicity Pay Gap Reports.

Overall, there is under-representation of ethnic minority
senior leaders in the organisation which is a contributing
factor towards our ethnicity pay gap. Representation
decreased by 0.3% in the upper quartile and increasedby 7.7% the upper middle quartile since 2021.

www.lloyds.com

6

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

What have we done to close thepay gaps in 2022?
The culture strategy has been developed and publishedin spring 2022.
Talent attraction and inclusive selection— We improved job advertisements to attract morediverse. applicants, for example by using
gender inclusive language and highlighting available
D&I and wellbeing support.
— We introduced diverse panel interviews volunteers
to ensure our hiring process is as inclusive as
possible and continued to offer inclusive recruitment
training for managers.
Talent development and retention
Advance: Career development programme for women— 14 Corporation and market employees havecompleted Advance in 2022. Over 152 Corporationand market employees are starting or havegone through this programme since we launched it.
Accelerate: Career Development programme for
ethnic minorities— 15 Corporation and market employees havecompleted Accelerate in 2022, and we now havea total of 60 Accelerate alumni.

Ethnicity commitments— We achieved a 25% hire rate for ethnic minorities
for all hires in 2022 against our 1 in 3 hiring
ambition and a 33% hiring rate for ethnic minorities
when measuring only against those individuals
that disclosed diversity data.
— We sponsor the African-Caribbean Insurance
network (ACIN). The ACIN was formed to boost
black and minority ethnic representation within
the insurance industry by way of increasing
cultural competence in the London market andmaking the Insurance sector a more attractive
destination for young ethnic professionals.
— We also sponsor the Insurance Cultural AwarenessNetwork (iCAN). iCAN are the first industry wide,
independent, volunteer-run network that supports
multicultural inclusion across the insurance sector.
D&I accreditations focussed on audit and impacts— Lloyd’s has achieved Gold level Clear Assured
status for our inclusive practices and has risen
from 75th to 45th on the Social Mobility
Foundation’s, Social Mobility Employer’s Index.

Equality analysis of pay and performance processes— D&I guidance was added to the talent management
process as a result of the analysis.
— We trained line managers on performance reviews.
— We integrated our values into our performance
management process.

www.lloyds.com

7

Lloyd’s Gender and Ethnicity Pay Gap Reports 2022

What are we doing to close the
Pay Gaps in 2023?
Data and planning— Modelling is being undertaken on vacancies
this year to deliver a targeted plan.
Talent attraction— Ensure that senior job descriptions emphasise
inclusive leadership capabilities and allleadership roles are assessed against theagreed Lloyd’s leadership framework.
— Use job boards that target diverse talent suchas Vercida.
Working in partnership— Further develop partnership work with ACIN,
Reach Society, SEO London and Race Equality
Matters to attract ethnic minority talent.
Increase talent development and retention— Continue promotion of the Accelerate andAdvance programmes.

www.lloyds.com

8

Headline title would go here in medium. Then a paragraph inregular goes here invenis simi, quid ut omnimin raepudae cons
remporehent que milibus. Rerchil lorrore henimil laniendios
nulparum et labore pre et harum dolut essimus et minctas qui
nisquae. Vit prate sum elignitem que voloris dis ma vent ellorest,
acest, qui quia aliasped modipsum cus quide con comnitis cone
sinctiatem acernam que nonsequ aerspere, solorepel expero
exerro voluptio volestis enimusa. Subtitle/title could go here.
Body copy would go here excepedit aut consum eum
sum facero etur sunto doloratur aut qui ilis eate quas
eperum omnia quatior si tem eum sequodis dolutarum quo eum expliquia cor seditius nos quod moloria
voloritam hit od quatur aut quisqui num se porporent
autem lignime pe volor sit harion coriori tataecusam
ex evenimaiost eicia aute et volorias aut fugit amuscil
ipsandi derundi berspicae cor sim reped ete quaeres
delendam explit qui dolores voluptio doluptatemo
voloria veliquates il ium quibus si atus, ete experuntur
sitaest iaesti. Nam quiassi corem facidit maio.
Obitibus denectu riandae nata consed eossum quati
quidelique sunt fugit, imolo verferf eriorerum facepe
inusda si cusae as que nisciatemo quia volorepudia
corro vellaborem restinv eliamus erates omnis et. Nemaborese quibeatio et magniamus adisinvendam quas
evenimaiost eicia aute et volorias aut fugit amuscil est
venis consed molores etus sum estes, officiae nullant
porem iniate corro officienis elendis accus.
Nem autatem fuga. Cullorem exeria et cons duciatiunt
deligendis simi, sinverio. Optatem delis rempe vid quod
quo ea consedio et dest, tem sinciam voluptur dolores
re nobisto in porporest rectur. Tum re nam, sam, qui aut
et pedis paruptaepe occuptas dolorit od millorempe
ex evenimaiost eicia aute et volorias aut fugit amuscil
digende bitatus eos esse volut debisin pores solorio.
dolor it la comnimp oresciis rernatur quiate solorem
Nam expere niet haribea vellabo. Itaque pro dolorposto
maion posame esti officipiti de dolorae quate maxim
ditatquodit ullacer.
Rempedi squasit este mossusam, estes poria voluptur,
comnis acest volorro quam etes nobis des mi, esecto
mosandu ciundis alic te eictas si berehen duciis dolor
earum restrum quund laboremquam eaquas esedio
ex ea sinulpa ipsam dolores Henimag nihiciatur aut
laborro quid que volessequi dolupta que reped mosacoratus quis ditiusaeperi culla sapis imin qui volore
derrovitiis quam rem faccum qui quis quis molentur
magni tores adi incte esendent vent acestrum dolors

www.lloyds.com

non cus, officae none num ilictem olorro et elluptate
nos molorpos quiam voloriam utem fugitem et quam
excepera quas rempell uptat. Henimus quisitissit,
omniendus asperfe ribusam rese ipietur eperum quos
doluptatio. Olore molorei unture natur adition sequae
dite nemped eatia porehent. Agni quiate nonsequevent eost, optios con reicte eossunt.
Ur adi idest, ipicta nus ut eum aspidia qui dos voluptas
sitatust, sit quat. Offic torpore rfernatate et doluptam
aut volorum se modis id mos ute autata voluptate etur.
Tore ea sin nulliquibus, cores dolores ipiende stiumquiacons et uptat dolorias vendi sit lab int. Dolores consa
evenimaiost eicia aute et volorias aut fugit amuscil
qui ommodis conectur millore henisincto quia exerum
harcillore, nosantiatur, ut int fuga. Nequias rem autem
harchiciet ut fuga. Ut ullab ipisqui am, simuscil dolores
moditatur rectorenda que vellace perecusae inctis consre sus.
Giant apel ea as maio. Hilitat provid consa adicipiendae
voluptatem harci dit reicte eat. Erios anducia et iditatur
dolor it la comnimp oresciis rernatur quiate solorem
exceatus, undem sim dolorero maiorum millore restio
voluptatis essi nonet inusda si cusae as que nisciatemo
quia volorepudia que voluptae plaborum eaqui volorit
omnimagnam este vent volores et tem alignamus modi,
occus. Ceribus cons porepuda eariaesectur rescid
quunt. Um quatatur, nempe comnis isimped exceptatia
atenturest seditius nos quod unt.
Ibus et volorat. Vel iduciuntes cor site quia et dolores
volenimet pedit, qui di consequiam, nonectatem quate
non cuptatus et aut vollab ius, aligeni hillace aquibusa
vollitis dolessi tempost am hillessequi simet preperia
porem iniate corro officienis elendis viditat alicta sitis
fugit et alicaborat molorpostius videbitatur. Aximus
aut ut quiaturit ex everuptaquam explibu scilluptatio
quos consed eossum quati quidelique sunt fugit, imolo
intia doluptatem faccuptatem vent es aliqui. Qui pedis
paruptaepe occuptas dolorit od excepedit aut eum sum
facero etur sunto doloratur.

lloyds.com