Document:

EXHIBIT 4(b) (xvi)

[LLOYDS TSB LOGO]

Mr. M.A. Scicluna

7th August, 2008

DIRECTORSHIP

Following the Financial Services Authority’s approval of your
application for approved person/directorship status, I am delighted that
the board of Lloyds TSB Group plc has subsequently confirmed your appointment
as an independent non-executive director with effect from 1st September, 2008.
You will also become a member of the audit committee and join the board of
Lloyds TSB Bank plc from the same date. I understand it is intended that you
will become a member of the risk oversight committee as well.

So that we may attend to the formalities, I should be grateful if you
would review and complete the enclosed forms and return them to me.

Any future changes to the information in these forms, including any
which might affect your position as an independent non-executive director or
constitute a conflict of interests, should be routed through me, please.

You will see from the items in the attached folder that non-executive
directors are appointed for specified terms, with the initial term not
exceeding three years, subject to the provisions of the Companies Act and the
articles of association, including those relating to election/re-election by
the shareholders at annual general meetings. Further terms would be
appropriate, if you and the board were to agree in due course.

An indication of the amount of time non-executive directors are
expected to devote to the company’s affairs is outlined in section (5) of item
1(E) of the folder. By accepting these appointments you have confirmed that you
are able to allocate sufficient time to meet the expectations of your role. We
should, therefore, be grateful if you would seek the agreement of the Chairman
before accepting additional commitments that might impact on the time you are
able to devote to your role as a non-executive director of the companies.

There is also information in the folder about the role, duties and
responsibilities of directors, as well as details regarding fees for board and
committee membership.

	
 

	

	
 

	
Lloyds TSB Group plc is registered in Scotland no. 95000

	
Registered office: Henry Duncan House, 120 George Street, Edinburgh
 EH2 4LH

	
Lloyds TSB Bank plc is registered in England and Wales no. 2065

	
Registered office: 25 Gresham Street, London EC2V 7HN

Other information included in the folder relates to the process
regarding the evaluation of the performance of the board, its committees and
individual directors; directors’ and officers’ liability insurance; taking
independent professional advice at the company’s expense; and board committees.

It is the Group’s current policy to indemnify its directors and a deed
of indemnity will be sent to you for signing nearer the time.

Details about the induction arrangements for new directors are given in
item 1(H) of the folder. I am also attaching a draft introduction programme and
I shall liaise with you shortly about arranging meetings.

As mentioned in a previous letter, our directors may, if they wish,
apply to the Registrar of Companies to have a “service address” recorded at
Companies House for security purposes, rather than have their usual residential
address displayed in public. I have drafted the form for you to complete
accordingly. You are encouraged to use the above mentioned Gresham Street
address for business correspondence whenever appropriate. Arrangements will, of
course, be made to send you any mail received here.

Directors are encouraged to hold shares in Lloyds TSB Group plc and
unless you already have a shareholding, you may wish to buy some, so that it
appears in the report and accounts, at the end of the year, that you have a
stake in the group. In due course, the Group Compliance Director will send you
details of the procedure for dealing in shares, together with explanatory notes
on the code of market conduct/model code. If you were to acquire shares in the
company prior to your appointment on 1st September, the dealing procedure would
not, of course, apply. 

I am sorry about the formality of this letter, which is designed to be
publicly available, to meet corporate governance requirements.

I hope that you will not hesitate to contact me for assistance in any
matters during the term of your directorship.

/S/ Margaret Coltman

Margaret Coltman

General Counsel & Company Secretary

Lloyds TSB Group plc and

Lloyds TSB Bank plc

Enclosures

Personal details

Personal folder

Draft introduction programme

	
 

	

	
 

	
Lloyds TSB Group plc is registered in Scotland no. 95000

	
Registered office: Henry Duncan House, 120 George Street, Edinburgh
 EH2 4LH

	
Lloyds TSB Bank plc is registered in England and Wales no. 2065

	
Registered office: 25 Gresham Street, London EC2V 7HNEXHIBIT 4(b) (xvii)

[LLOYDS TSB LOGO]

Ms. C.J. McCall

24th September, 2008

DIRECTORSHIP

I am delighted that the board of Lloyds TSB Group plc has confirmed
your appointment as an independent non-executive director with effect from 1st
October, 2008. You will also join the board of Lloyds TSB Bank plc from the
same date. Arrangements for you to join one of the board committees will be
dealt with at a later date.

So that we may attend to the usual formalities, I should be grateful if
you would review and complete the enclosed forms and return them to me.

Any future changes to the information in these forms, including any
which might affect your position as an independent non-executive director or
constitute a conflict of interests, should be routed through me, please.

You will see from the items in the attached folder that non-executive
directors are appointed for specified terms, with the initial term not
exceeding three years, subject to the provisions of the Companies Act and the
articles of association, including those relating to election/re-election by
the shareholders at annual general meetings. Further terms would be
appropriate, if you and the board were to agree in due course.

An indication of the amount of time non-executive directors are
expected to devote to the company’s affairs is outlined in section (5) of item
1(E) of the folder. By accepting these appointments, you have confirmed that
you are able to allocate sufficient time to meet the expectations of your role.
We should, therefore, be grateful if you would seek the agreement of the
Chairman before accepting additional commitments that might impact on the time
you are able to devote to your role as a non-executive director of the
companies.

There is also information in the folder about the role, duties and
responsibilities of directors, as well as details regarding fees for board and
committee membership.

Other information included in the folder relates to the process
regarding the evaluation of the performance of the board, its committees and
individual directors; directors’ and officers’ liability insurance; taking
independent professional advice at the company’s expense; and board committees.

	
 

	

	
 

	
Lloyds TSB Group plc is registered in Scotland no. 95000

	
Registered office: Henry Duncan House, 120 George Street, Edinburgh
 EH2 4LH

	
Lloyds TSB Bank plc is registered in England and Wales no. 2065

	
Registered office: 25 Gresham Street, London EC2V 7HN

It is the Group’s current policy to indemnify its directors and a deed
of indemnity is attached. Would you please sign the deed in the presence of a
witness, who should also sign, and return it to me. I shall arrange for a copy
of the completed deed to be sent to you in due course.

Details about the induction arrangements for new directors are given in
item 1(H) of the folder. We have already been in touch with you about your
introduction programme which is being developed. I am also attaching a draft
introduction programme and I shall liaise with you shortly about arranging
meetings.

Sarah Richards has confirmed that we should use your existing ‘Scott
Place’ service address for Companies House purposes.

Directors are encouraged to hold shares in Lloyds TSB Group plc and
unless you already have a shareholding, you may wish to buy some, so that it
appears in the report and accounts, at the end of the year, that you have a
stake in the group. I attach a letter form the Group Compliance Director which
gives details of the procedure for dealing in shares, and includes explanatory
notes on the code of market conduct/model code. 

I am sorry about the formality of this letter, which is designed to be
publicly available, to meet corporate governance requirements.

I hope that you will not hesitate to contact me for assistance in any
matters during the term of your directorship.

Finally, I attach a recent announcement regarding the Lloyds TSB/HBOS
merger proposal together with a related guidance note on “do’s and dont’s” for
Lloyds TSB directors and a responsibilities briefing.

/S/ Margaret Coltman

Margaret Coltman

General Counsel & Company Secretary

Lloyds TSB Group plc and

Lloyds TSB Bank plc

Enclosures
Deed of indemnity

Draft introduction programme

Personal details

Personal folder

Letter from the Group Compliance Director

Lloyds TSB/HBOS merger proposal

Guidance note

Responsibilities briefing

	
 

	

	
 

	
Lloyds TSB Group plc is registered in Scotland no. 95000

	
Registered office: Henry Duncan House, 120 George Street, Edinburgh
 EH2 4LH

	
Lloyds TSB Bank plc is registered in England and Wales no. 2065

	
Registered office: 25 Gresham Street, London EC2V 7HNEXHIBIT 4(b) (xviii)

	
 

	
 

	
 

	
 

	
Harry Baines

	
[LLOYDS BANKING GROUP LOGO]

	
 

	
Company Secretary 

	
 

	
& General Counsel

	
 

	
 

	
 

	
 

	
 

	
 

	
Lloyds Banking Group plc

	
 

	
 

	
25 Gresham Street

	
 

	
 

	
London EC2V 7HN

	
Mr. T. Timothy
 Ryan Jr.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
0131 243 5451
 direct

	
 

	
 

	
0131 243 5546
 facsimile

	
 

	
 

	
harry.baines@lloydsbanking.com
 

	
 

	
 

	
 

	
23rd February,
 2009

	
 

	
 

Dear Tim,

DIRECTORSHIP

As you know, the Financial Services Authority has authorised your
application for approved person/directorship status and I am, therefore,
delighted to confirm your appointment as an independent non-executive director
of Lloyds Banking Group (LBG) from 1st March, 2009. You will also join the
boards of Lloyds TSB Bank plc, HBOS plc and Bank of Scotland plc from the same
date.

Arrangements for you to join one or more of the LBG board committees
will be considered in due course.

So that we may attend to the usual formalities, I should be grateful if
you would review and complete the enclosed forms and return them to me.

Any future changes to the information in these forms, including any
which might affect your position as an independent non-executive director or
constitute a conflict of interests, should be routed through me, please.

I am enclosing explanatory notes about conflicts of interests, together
with a questionnaire which I should be grateful if you would complete, sign and
return to me. An associated note about hospitality and benefits from 3rd
parties is also attached for information only.

You will see from the items in the attached folder that non-executive
directors are appointed for specified terms, with the initial term not exceeding
three years, subject to the provisions of the Companies Act and the articles of
association, including those relating to election/re-election by the
shareholders at annual general meetings. Further terms would be appropriate, if
you and the board were to agree in due course.

An indication of the amount of time non-executive directors are
expected to devote to the company’s affairs is outlined in section (5) of item
1(E) of the folder. By accepting these appointments, you have confirmed that
you are able to allocate sufficient time to meet the

EXHIBIT 4(b) (xviii)

expectations of your role. We should, therefore, be grateful if you
would seek the agreement of the Chairman before accepting additional
commitments that might impact on the time you are able to devote to your role
as a non-executive director of the companies.

There is also information in the folder about the role, duties and
responsibilities of directors, as well as details regarding fees for board and
committee membership.

Other information included in the folder relates to the process
regarding the evaluation of the performance of the board, its committees and
individual directors; directors’ and officers’ liability insurance; taking
independent professional advice at the company’s expense; and board committees.

It is the Group’s current policy to indemnify its directors and a deed
of indemnity is attached. Would you please sign the deed (in duplicate) in the
presence of a witness, who should also sign, and then return it to me. I shall
arrange for a copy of the completed deed to be sent to you in due course.

Details about the induction arrangements for new directors are given in
item 1(H) of the folder. We are also developing an introduction programme for
you and a number of appointments have already been agreed. 

Thank you for confirming that you would like us to apply to the
Registrar of Companies to have a “service address” recorded at Companies House
for security purposes, rather than have your usual residential address
displayed in public. I have drafted the form for you to complete accordingly.
You are encouraged to use the above mentioned Gresham Street address for
business correspondence whenever appropriate. Arrangements will, of course, be
made to send you any mail received here.

Directors are encouraged to hold shares in Lloyds Banking Group plc and
unless you already have a shareholding, you may wish to buy some, so that it
appears in the report and accounts, at the end of the year, that you have a
stake in the group. In due course, the Group Compliance Director will send you
details of the procedure for dealing in shares, together with explanatory notes
on the code of market conduct/model code. 

I am sorry about the formality of this letter, which is designed to be
publicly available, to meet corporate governance requirements.

I hope that you will not hesitate to contact me for assistance in any
matters during the term of your directorship.

/S/ Harry Baines

Harry Baines

Company Secretary & General Counsel

Enclosures
Deed
of indemnity

Induction programme

Personal details

Personal folder

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