Lloyds
berkshire



Group of world’s market specialist

our perspective help you charge your future

Risk sharing create greater opportunity

Strategic Business Consulting and Asset Management for Institutional and Professional Clients.
Lloyds Berkshire is a specialized business consulting and asset management firm dedicated exclusively to serving institutional and professional clients. We provide independent strategic insights, economic intelligence, and investment perspectives designed to support informed decision-making in an increasingly complex global environment.
Our approach integrates macroeconomic and microeconomic analysis with comprehensive financial market research to identify opportunities, manage risks, and enhance long-term value creation. By evaluating global economic trends, industry dynamics, market cycles, and organizational performance, we deliver actionable recommendations tailored to each client's strategic objectives.
AI-Powered Intelligence
Lloyds Berkshire leverages advanced artificial intelligence technologies to enhance research capabilities, improve analytical precision, and accelerate decision-making processes. By combining human expertise with AI-driven insights, we help clients navigate uncertainty, uncover strategic opportunities, and optimize business and financial outcomes.
Mission & Vision
To empower institutional and professional clients with data-driven intelligence, strategic advisory expertise, and AI-enabled solutions that promote sustainable growth, financial resilience, and long-term business well-being. To be a trusted partner in strategic consulting and asset management, delivering innovative insights and transformative solutions that create lasting value in the global economy.


Help You Charge your Future

Strategic Business Consulting and Asset Management for Institutional and Professional Clients.

Lloyds Berkshire is a specialized business consulting and asset management firm dedicated exclusively to serving institutional and professional clients. We provide independent strategic insights, economic intelligence, and investment perspectives designed to support informed decision-making in an increasingly complex global environment.Our approach integrates macroeconomic and microeconomic analysis with comprehensive financial market research to identify opportunities, manage risks, and enhance long-term value creation. By evaluating global economic trends, industry dynamics, market cycles, and organizational performance, we deliver actionable recommendations tailored to each client's strategic objectives.

Directors & Officers

Hon. Mar. Wilson H. Alexander

Group Chairman
Non-Executive Director
Appointed proxy for The Rt. Hon. The Earl Howard Hoh Hoong Sing-Howard Of Nottingham Effingham
[ i ]

Alan Dickinson

Group Chief Executive Officer
Executive Director
Appointed proxy for The Rt. Hon. The Earl Howard Hoh Hoong Sing-Howard Of Nottingham Effingham
[ i ]

Henry A. Clarkson

Group Chief Finance Officer
Executive Director
Appointed proxy for The Rt. Hon. The Earl Howard Hoh Hoong Sing-Howard Of Nottingham Effingham
[ i ]

Billy Fogmahn

Group Chief Strategy Officer
Executive Director

Kevin F. Campbell

Group Chief Information Officer
Executive Director

Lady Isobel Paige

Executive Director

Ethan Liam

Executive Director

Anita M. Sarah

Independent Director
Non-Executive

Peter Johnson

Independent Director
Non-Executive

Jean Claude Mansion

Independent Director
Non-Executive

Nicholas A. Antonio

Group Chief Manager

Charles C. Coleman

Group Company Secretary

Regional Partners

Robert Cage

U.S. Group Managing Partner

Regional Partners

Kinsuke Yamamura & David Wright

Japan & Asia Managing Partner


Asset Management

Lloyds Berkshire is an independent asset management firm serving a select group of institutional and professional clients. We specialize in the stewardship of capital through disciplined investment management, rigorous research, and advanced analytical capabilities designed to preserve and grow wealth across market cycles.
Our firm provides tailored investment solutions to sophisticated investors seeking a trusted partner capable of navigating increasingly complex global financial markets. By integrating macroeconomic insights, market intelligence, quantitative analytics, and artificial intelligence-enhanced research, we support informed investment decisions and long-term value creation.
Our Focus
Lloyds Berkshire is dedicated exclusively to asset management. We do not provide retail investment services and do not market investment products to the general public.
Our client base is limited to:

  • Institutional Investors

  • Pension Funds

  • Insurance Institutions

  • Endowments and Foundations

  • Family Offices

  • Corporate Treasury Organizations

  • Professional and Accredited Investors

This focused approach allows us to provide highly personalized investment management solutions aligned with each client's objectives, risk parameters, and capital preservation requirements.Investment Philosophy
We believe that sustainable investment success is achieved through disciplined risk management, independent research, strategic asset allocation, and long-term investment thinking.
Our investment framework combines:

  • Global Macroeconomic Analysis

  • Financial Market Research

  • Strategic and Tactical Asset Allocation

  • Fundamental and Quantitative Analysis

  • Portfolio Risk Management

  • AI-Enhanced Investment Intelligence

We seek to identify opportunities across changing market environments while maintaining a strong commitment to capital preservation and prudent risk oversight.Asset Management Capabilities
Discretionary Portfolio Management
Customized portfolio solutions designed to meet institutional mandates and long-term investment objectives.
Multi-Asset Investment Strategies
Portfolio construction across equities, fixed income, cash instruments, alternative investments, and other eligible asset classes.
Strategic Asset Allocation
Long-term allocation frameworks designed to optimize risk-adjusted returns while supporting capital preservation.
Risk Management and Oversight
Comprehensive monitoring, stress testing, scenario analysis, and portfolio risk assessment processes.
Investment Research and Market Intelligence
Continuous analysis of economic developments, monetary policy, market trends, and investment opportunities.
AI-Enabled Investment Excellence
Lloyds Berkshire leverages advanced artificial intelligence technologies to enhance investment research, portfolio analytics, market surveillance, and risk assessment.
By combining human expertise with AI-driven insights, we strengthen decision-making capabilities, improve analytical efficiency, and provide a deeper understanding of evolving market conditions.
Technology serves as a strategic tool that supports our investment professionals in delivering disciplined and informed portfolio management.
Commitment to Clients
Our responsibility extends beyond investment performance. We are committed to acting as responsible stewards of capital through:

  • Fiduciary Integrity

  • Independent Investment Judgment

  • Transparency and Accountability

  • Robust Risk Governance

  • Long-Term Strategic Perspective

Every investment decision is guided by the principle of aligning our actions with the long-term interests of our clients.Vision
To be a trusted asset management partner for institutional and professional investors, recognized for disciplined investment management, innovation, and responsible capital stewardship.
Mission
To deliver superior long-term investment outcomes through independent research, prudent risk management, and AI-enhanced investment intelligence while preserving the highest standards of fiduciary responsibility.
Core Values

  • Stewardship

  • Integrity

  • Excellence

  • Discipline

  • Innovation

  • Independence

  • Client Alignment


Summary of services

  • Asset Planning

  • Continuity Planning

  • Income generation

  • Risk Management

  • Insurance & Re-insurance

  • Financial Solutions

Business Advisory & Consulting

Lloyds Berkshire is a specialized business consulting firm dedicated exclusively to serving institutional and professional clients. We provide strategic advisory services grounded in macroeconomic analysis, microeconomic intelligence, financial market insights, and AI-powered business analytics to support informed decision-making in an increasingly dynamic global environment.Our mission is to empower organizations with actionable intelligence, strategic foresight, and data-driven solutions that enhance business performance, strengthen financial resilience, and create sustainable long-term value.Our Expertise
Lloyds Berkshire delivers independent research and strategic advisory services through a multidisciplinary approach that integrates economics, finance, business management, and advanced technologies.
We help clients understand the broader forces shaping their industries, evaluate emerging opportunities and risks, and develop strategies that align with evolving economic and market conditions.Core Service Areas
Macroeconomic Intelligence
We provide comprehensive analysis of global, regional, and domestic economic developments, including:

  • Economic growth and business cycle assessments

  • Monetary and fiscal policy analysis

  • Inflation and interest rate outlooks

  • Geopolitical and regulatory developments

  • Industry and sector implications

Our macroeconomic perspectives help clients anticipate change and make informed strategic decisions.Microeconomic and Industry Analysis
We evaluate the competitive and operational dynamics affecting individual organizations and industries, including:

  • Market structure and competitive positioning

  • Supply and demand dynamics

  • Industry trends and disruption analysis

  • Business performance benchmarking

  • Strategic growth opportunities

This enables clients to identify sustainable competitive advantages and improve organizational effectiveness.Financial Market Intelligence
We deliver independent analysis of financial markets and capital market developments, including:

  • Equity, fixed income, and currency market trends

  • Investment and financing environments

  • Market sentiment and risk assessments

  • Capital allocation considerations

  • Economic and market scenario analysis

Our insights support strategic planning, corporate finance decisions, and long-term business objectives.Business Management Advisory
We assist organizations in strengthening management effectiveness and organizational performance through:

  • Corporate strategy development

  • Business transformation initiatives

  • Performance improvement frameworks

  • Risk management and governance advisory

  • Operational efficiency enhancement

  • Strategic planning and execution

AI-Powered Strategic Intelligence
Lloyds Berkshire leverages advanced artificial intelligence technologies to enhance analytical capabilities, accelerate research processes, and improve decision-making quality.
Our AI-enabled framework supports:

  • Economic forecasting and trend analysis

  • Market intelligence and sentiment assessment

  • Data analytics and business insights

  • Predictive modeling and scenario planning

  • Risk identification and monitoring

  • Strategic decision support

By combining human expertise with AI-driven intelligence, we provide clients with deeper insights and more effective strategic solutions.Client Focus
We exclusively serve:

  • Institutional Organizations

  • Corporations and Enterprises

  • Financial Institutions

  • Family Offices

  • Professional Investors

  • Industry Associations

  • Public and Private Sector Organizations

Our selective client focus enables us to deliver highly customized advisory solutions tailored to complex strategic and financial challenges.Our Mission
To empower institutional and professional clients with economic intelligence, financial market insights, business management expertise, and AI-driven analytics that enhance strategic decision-making and promote long-term business and financial well-being.
Our Vision
To be a trusted strategic advisory partner recognized for delivering independent insights, innovative thinking, and AI-enhanced solutions that create sustainable value in an evolving global economy.
Core Values

  • Integrity

  • Independence

  • Excellence

  • Innovation

  • Analytical Rigor

  • Client-Centric Partnership

  • Long-Term Value Creation

Summary Of Services

Business Management Consulting and Business Infra & Solution & Advisory

  • Corporate strategy development

  • Organizational performance enhancement

  • Operational efficiency and transformation initiatives

  • Governance and risk management frameworks

  • Financial Performance Reporting

  • Finance AP or AR infra & solutions

  • Human Resource infra & solutions

  • Managing business operation infra & solutions

Business Risk

  • Management Risk

  • Financial Risk

  • Insurance & Re-insurance

Macroeconomic Analysis

  • Global economic outlook and trend assessment

  • Monetary and fiscal policy analysis

  • Geopolitical and market-impact evaluation

  • Sector and regional growth forecasts


Microeconomic and Industry Analysis

  • Competitive landscape assessment

  • Market structure and demand analysis

  • Business performance benchmarking

  • Strategic positioning and growth opportunities

Financial Market Intelligence

  • Capital market analysis and investment insights

  • Portfolio strategy and risk management

  • Asset allocation recommendations

  • Market sentiment and valuation assessment

The Group

20 subsidiary

15 subsidiary

56 subsidiary

56 subsidiary


56 subsidiary

55 subsidiary

57 subsidiary

4 subsidiary

A member in:

Global Offices

Headquarters (City)

  • London (Lloyds Tower)


Managing Office (City)

  • Berlin

  • New York

  • Tokyo

Servicing Office (City)

  • Bern

  • Dubai

  • Edinburgh

  • Helsinki

  • Los Angeles

  • Paris

  • Seoul

  • Singapore

  • Stockholm

  • Taipei

CORONATION OF THE KING AND THE QUEEN CONSORT


Award Recipient

2025
Dr. Desselli Abbas Ishmel - Honorary Marshal - Oct [i]
Sabrina Amelia Lee - Honorary Marshal - Oct [i]
2024
Anthony Richard Roxburgh - Honorary Marshal - Sep [i]
Dr. Hughes James Peterson - Honorary Marshal - Sep [i]
Dr. Kenneth Ko Chi Kwai - Honorary Marshal - Sep [i]
2023
Wilson H. Alexander - Honorary Marshal - Jun [i]

Hon. Mar. Dr. Desselli Abbas Ishmel

27 October 2025.
Hon. Mar. Dr. Desselli Abbas Ishmel received the Honorary Marshal award for the merit that have made a significant contribution to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

Hon. Mar. Sabrina Amelia Lee

27 October 2025.
Hon. Mar. Sabrina Amelia Lee received the Honorary Marshal award for the merit that have made a significant contribution to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

Hon. Mar. Anthony Richard Roxburgh

15 September 2024.
Hon. Mar. Anthony Richard Roxburgh received the Honorary Marshal award for the merit that have made a significant contribution to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

Hon. Mar. Dr. Hughes James Peterson

15 September 2024.
Hon. Mar. Dr. Hughes James Peterson received the Honorary Marshal award for the merit that have made a significant contribution in public services to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

Hon. Mar. Dr. Kenneth Ko Chi Kwai

15 September 2024.
Hon. Mar. Dr. Kenneth Ko Chi Kwai received the Honorary Marshal award for the merit that have made a significant contribution to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

02 June 2023
Hon. Mar. Wilson H. Alexander received the Honorary Marshal award for the merit that have made a significant contribution to relations between the UK and Commonwealth nation. The award carry the prefix Hon. Mar. before the name.
The award conferred by My Lord Howard Hoh Hoong Sing – Howard with presented insignia of the honorary on the advice of the Board Committee of LBM and Financial Society in UK and Commonwealth nation.

Privacy & Security applies


Events For Private & Member

Sotheby's Live Auction & Private Sale
Thu 05 Feb 2026 14:00
Sotheby's Auction House,
New St Bond Street, London,
United Kingdom

Moulin Rouge Musical Show
Fri 17, Sat 18 Apr 2026 19:30
Piccadilly Theatre, London, England,
United Kingdom

F1 British Grand Prix
Fri 03 - Sun 05 Jul 2026
Silverstone Circuit, Northamptonshire,
United Kingdom

Andre Rieu Concert
Thu 17 & Fri 18 Sep 2026 19:30
OVO Arena Wembley, England,
United Kingdom

Christie's Live Auction & Private Sale
Thu 05, Fri 06, & Sat 07 Mar 2026
11:00 & 19:00
8 King Street, St. James's, London,
United Kingdom

Royal Windsor Horse Show
Thu 14 - Sun 17 May 2026
Windsor, Berkshire United Kingdom

World Cup 2026 Final
Sun 19 Jul 2026 18:40
Private Club, London,
United Kingdom

Bellowhead Burlesque 20th
Anniversary Tour

Fri 20 Nov 2026 19:00
Royal Concert Hall, Nottingham,
United Kingdom

My Neighbour Totoro Musical Show
Thu 26, Fri 27, Sat 28 &
Sun 29 Mar 2026 19:00 & 14:00
Gillian Theatre, London, England,
United Kingdom

Ministry of Sound Classical
Fri 12 - Sat 13 Jun 2026 14:00
Royal Albert Hall, London,
United Kingdom

British GT Donington Park
Sat 05 - Sun 06 Sep 206
Silverstone Circuit, Northamptonshire,
United Kingdom

Christmas At The Musicals
Thu 17 Dec 2026 19:30
Royal Concert Hall, Nottingham,
United Kingdom


Queen Elizabeth II 1926-2022

Founder & Owner

The Rt. Hon. The Earl Howard Hoh Hoong Sing - Howard of Nottingham Effingham F.A.P.H VIII


Contact Us

Authenticator function to assist client to avoid impersonator as Lloyds Berkshire representative. To know more CLICK HERE.

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Authenticator

Client safety is our top priority. To secure to speak physically for the 1st time with our genuine reps. you're advise to use this "Authenticator" function to avoid impersonator.
3 easy steps:

  • Get the individual staff ID code in full with alphabet as well.

  • Create your own 6 digit number password.

  • Request the reps. to repeat your password. (A red flag if password given doesn't match yours. Advise to cease any conversation or report to us)

Notes: Our personnel is trained and aware of 'Authenticator' is part of meeting client protocol. If the individual refuse 'Authenticator', it is a red flag and a wrong password provided by the reps. is a flag.

Please fill in below Authenticator info :

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If you have forgotten your code and numbers please go to CONTACT.

We apologized that your access have been denied. Please check as below:

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If you have forgotten your code and numbers please go to CONTACT.

My Lord Howard Hoh Hoong Sing–Howard has received an award of appointment Professorship ascribe to My Lord expertise. Also known styled Professor Lord Howard Hoh Hoong Sing–Howard.

  • Professor (Dec 2022) - Toyota Technological Institute, Japan.

  • Adjunct Professor (Dec 2022) - University of Geneva, Switzerland.

  • Special Visiting Professor (Oct 2022) (Retired on Oct 2025) - Shandong Drug and Food Vocational College, China.



Shopping Voucher For Private & Member


Risk Management Support

  • Reinsure of portfolios.

  • Insurance on portfolios coverage and other risk base on the assessment.

  • Fundholders allow withdrawal up to 33% of the portfolio size. Withdrawal may affect the portfolios capacity and may require to restructure (terms & conditions applied).

  • Dividend, interest and returns payout time is accordance to each portfolio agreement.

  • Restructure of portfolios.

  • Repurchase program is available.

To check details of the above please go to PRIVATE or LOGIN or contact your consultant.

Resilient position

Find out more


Lloyds Berkshire in strong position

Refer to 2024 financial report that have disseminate to all relevant holders of Lloyds Berkshire has today confirmed that the market is in strong position to support its fund holders, portfolio holders and "Repurchase Program" with class 3 net reserve of £29.2bn to increased by £19.3bn or class 2 £37.0bn as of Q4 2024.Although there has been a high degree of turbulence in the financial markets over recent weeks, at Lloyds Berkshire we possess a set of group world’s financial specialist and experts in the business, we’re confident to maintain resilient a head to provide reasonable return to our various level of members.


Cyberattack by AI

AI Cyberattack Of Slandering Organisation Image

Recently Lloyds Berkshire experience two (2) AI search result (Gemini & ChatGPT) entity have label Lloyds Berkshire is an entity as potential scam, fraudulent, unauthorized entity and clone site have bring incorrect and mischievous of information to the public.The two AI operator claim and describe the AI review result bots is its unreliability and other Large Language Models can generate defamatory or fake review results primarily due to "hallucinations," where the AI confidently invents false information because it predicts words rather than verifying facts. Additionally, bad actors often abuse these tools to mass-produce fake, exaggerated reviews due to:

  • Frequent Hallucinations & Inaccuracy: Gemini can generate incorrect information—sometimes with an authoritative tone, making it difficult to trust without verifying. ChatGPT is a text-prediction tool, not a human fact-checker. It doesn't "know" facts and will confidently make up false information or hallucinate sources when it doesn't know the answer.

  • Overly Strict Safety Filters: Users frequently report that Gemini & ChatGPT blocks innocuous prompts, incorrectly flagging safe text, code, or images as policy violations.

  • Assistant Downgrade: Replacing the traditional Google Assistant function with AI on Android has frustrated users who want simple, mechanical actions (like opening apps or setting timers) rather than AI-generated responses.

  • Instability: Users often cite sudden disconnects, lost context in longer conversations, and error messages that force them to restart chats.

  • Overcorrection and Bias: Gemini & ChatGPT has faced criticism for overcorrecting in its image and text generation, sometimes resulting in historical inaccuracies or skewed perspectives.

  • Fails at Common Sense: It notoriously fails at basic logic checks, such as reading an analog clock, and frequently botches simple tasks like setting an active timer.

  • Stale or Outdated Output: AI outputs are static snapshots of the past. If you need it to monitor real-time news or automatically keep information fresh, it requires constant human babysitting to re-prompt and update.

However Lloyds Berkshire is not going to pay to the two (2) AI operator entity and yet we reserve the right to take legal action towards the two AI entity due to element of defamation.

Do take note: AI platform/tools/facility is an unregulated thing by any laws or by laws that exist to govern the reliability of AI bots provided perspectives and information on any matters or being audited. In can be controlled by an individual or an organisation for its own gains/benefits/at their advantage/agenda.Reliance on AI for search result, review and judgmental event without additional self-research will face huge risk obtaining non creditable of information that have slandering meaning in nature to the information custodian. Do use AI searching result and review cautiously and do own research and findings.


Question & Answer

Frequently Ask Question

1. Who is Lloyds Berkshire?
Answer: Click Link.
2. What is Lloyds Berkshire product & services?
Answer: click link Business advisory and Asset management.
3. Is Lloyds Berkshire a UK national corporation entity or a government/linked agency?
Answer: NO. Lloyds Berkshire is privately owned and is not a UK government agency. However, members of its board include individuals with royal or government-related expertise. During the reign of Her Majesty Queen Elizabeth II, Lloyds Berkshire was humbly assigned by the monarchy for consultancy service, and remains valid today.
4. Can I get services from Lloyds Berkshire?
Answer: Lloyds Berkshire do not provide services to public/retail, you have to be a recognised institution or a recognised financial professional or a high net worth individual of more than $100mil investment cap. endorsed by a recognised professional investment firm.
5. I fulfilled item 4, how do I contact Lloyds Berkshire PIC/consultant to attend me?
Answer: Click Link. Once at contact form, please provide valid full name accordance to your identification card or passport and also introducer name (recognised institution or professional investment firm) for verification.
6. Do Lloyds Berkshire is a scam, fraudulent, unauthorized entity?
Answer: Absolutely NOT. We are a valid entity that have been in business for more than twenty over years and time have witness our track record and genuinity of our business with no issue in our provided services. Click link to understand more | Click link tackling to avoid impersonator/scam/fraud.
7. Do Lloyds Berkshire website is a clone site from other sites?
Answer: NO. Lloyds Berkshire website is an authentic site design by the organisation web developer and collab with the web hosting operator.
8. What is the relationship between Lloyds Berkshire with Lloyds Banking Group, Lloyd ’s of London and Berkshire Hathaway Inc?
Answer: Lloyds Berkshire is an independent brand entity. Lloyds Berkshire possessed indirect shareholding in Lloyds Banking Group. While Lloyds Berkshire have mutualized marketplace syndicates as an investor and with other corporate members underwrite insurance and reinsurance risk in Lloyd's of London and Lloyds Berkshire have no relationship with Berkshire Hathaway Inc.
9. Do I need to worry about Lloyds Berkshire?
Answer: You should not worry. Lloyds Berkshire is a valid team that provide niche services to recognised institution and professional (mainly banking, finance & investment firm) (not for public/retail). We do not take/approach for deposit / fees from the public nor from individual person. However it is a red flag of scam/fraudulent if someone claim to be from Lloyds Berkshire or agent/advisor demand money from you individually in person by selling you a financial product or investment scheme.
10. Why do Lloyds Berkshire organisation structure do not show photo or image of the director and officer?
Answer: It is for security and safety reason. Due to our management possessed fiduciary duty and care to our clients.

Establishment and Legality

Cayman Islands, a British Overseas Territory

Lloyds Berkshire is an international business and service brand with origins dating back more than two decades. Prior to the establishment of the Lloyds Berkshire brand in 2006, its founders operated a self-funded proprietary trading business focused on equities, foreign exchange, and commodity markets.Established in the Cayman Islands, a British Overseas Territory, Lloyds Berkshire has evolved from its trading roots into a diversified business platform serving clients and partners across multiple jurisdictions. The company is committed to conducting its operations in accordance with applicable legal and regulatory requirements in the markets where it operates.

United Kingdom

Lloyds Berkshire maintains a presence in the United Kingdom through foreign direct investment and conducts its activities in compliance with relevant UK laws and regulations. Where applicable, the company observes the requirements of the National Security and Investment Act 2021 and engages with the appropriate authorities regarding activities that fall within the scope of the legislation.The company's principal activities are generally conducted in sectors that are not classified as sensitive under the Act. Where Lloyds Berkshire participates in activities involving designated sensitive sectors, the company seeks and obtains the necessary approvals, notifications, or clearances from the relevant authorities before commencing such activities.Lloyds Berkshire is committed to maintaining high standards of corporate governance, regulatory compliance, transparency, and responsible business conduct in every jurisdiction in which it operates.

Privacy Policy

We respect your privacy and value the trust you place in us when you share your personal information with us. The way we may use your personal information is discussed in our official privacy notice. Having said that, we know you might have some additional questions about privacy on the Web.First, we’ll talk about privacy as it relates to using this website. Then, we’ll cover the broader privacy issues concerning a mutual fund shareholder’s relationship with our company as a whole. If you want to skip the Web-related privacy issues, you can jump ahead and read our official Mutual Fund Privacy Notice.Web-Related Privacy Issues
How we use information provided on the Web
Your email address. We collect your email address when you register for account access on our website. If we need to contact you about a website-related issue, your email address lets us do that quickly. If you sign up for electronic delivery of documents, we’ll need your email address for that, too. Both of these services require that you maintain an updated email address with us.
Even if you’re not registered for account access, we may need to ask for your email address. For instance, if you ask for a referral to a financial adviser or subscribe to our email newsletter, we’ll need your email address to respond to your requests.We won’t send emails you haven’t asked for unless there’s a good reason. If you don’t want to receive these emails, use the opt-out link at the bottom of the email.Survey information.
Occasionally we may ask you to participate in a brief survey to help us make smart choices as we look for ways to improve the site. If you choose to participate, information you provide won’t be identified with you personally.
Personal data entered in calculators.
When you use calculators and planning tools on the site, you may need to enter information such as your age or even certain dollar amounts like how much you save each month.
We don’t collect or store this kind of information. It’s only used to perform the calculation you’re asking for.Our Mutual Fund Privacy Notice is committed to safeguarding information provided to us by individual shareholders. This notice is designed to provide you with a summary of the non-public personal information we may collect and maintain about current or former investors; our policy regarding the use of that information; and the measures we take to safeguard the information. The Lloyds Berkshire Bank & Trust, trustee for retirement plans, (together referred to as “we,” “our,” and “us” throughout this notice) do not sell non-public personal information to anyone and only share it as described in this notice.Information We Collect
when you invest in our Funds or establish plan with LB as trustee, you provide us with your non-public personal information. We collect and use this information to service your accounts and respond to your requests. The non-public personal information we collect falls into the following categories:
-- Information we receive from you on applications or other forms, whether we receive the form in writing or electronically. For example, this information includes your name, address, tax identification number, birth date, investment selection, beneficiary information, and possibly your personal bank account information and/or email address if you have provided that information.
-- Information about your transactions and account history with us, or with other companies that are part of the Investments, including transactions you request on our website. This category also includes your communications to us concerning your investments.
-- Other general information that we may obtain about you such as demographic information.
Disclosure Policy
To better service your accounts and process transactions or services you’ve requested, we may share non-public personal information with other Lloyds Berkshire investments companies. From time to time we may also send you information about products/services offered by other Lloyds Berkshire investments companies, although we will not share your non-public personal information with these companies without first offering you the opportunity to prevent that sharing.
We will only share non-public personal information with outside parties in the limited circumstances permitted by law. For example, this includes situations where we need to share information with companies who work on our behalf to service or maintain your account or process transactions you’ve requested, when the disclosure is to a party representing you, or when required by law (for example, in response to legal process). Additionally, we will ensure that any outside companies assisting us in marketing our products and services, or with whom we have joint marketing agreements, are under contractual obligations to protect the confidentiality of your information, and to use it only to provide the services we’ve asked them to perform.Confidentiality and SecurityOur employees are required to follow procedures with respect to maintaining the confidentiality of our investors’ non-public personal information. Additionally, we maintain physical, electronic, and procedural safeguards to protect the information. This includes performing ongoing evaluations of our systems containing investor information and making changes when appropriate.

Website Terms of Use Agreement

Welcome! Please read the following this Terms of Use Agreement before using this website as it is a binding contract between you and Lloyds Berkshire Management. It governs your use of this website and all products, services, content, tools and information available through the website. By using or accessing this website, you accept and agree to be bound by these Terms of Use. Lloyds Berkshire Management may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting.This Site is provided by Lloyds Berkshire. It may modify, suspend, discontinue or restrict the use and availability of any portion or all of this Site at any time, without notice or liability. Your use of this Site may be monitored by Lloyds Berkshire for any purpose, without liability.

Acceptance of the Terms of Use and any Amendments
This Terms of Use Agreement (the “Terms of Use”) states the terms and conditions under which you may use this website and all products, services, content, tools, and information available through the website (referred to collectively as the “Site”). Please read the Terms of Use carefully. By accessing, browsing or otherwise using this Site, you acknowledge that you have read, understood and agree to be legally bound by the Terms of Use. If you do not agree with the terms and conditions of the Terms of Use Agreement, you may not access or otherwise use this website.
These Terms of Use are in addition to, and not intended to modify or amend, any other agreements between you and us, including any customer or account agreements, with regard to matters other than your use of the Site.Your use of this Site is governed by the Terms of Use in effect on the date this Site is accessed by you. We reserve the right to change the Site and the Terms of Use at any time, without notice. If you use the Site after the amended Terms of Use have been posted, you will be deemed to have agreed to the Terms of Use, as amended.Site Sponsor
This Site is provided as a service, and for informational purposes only by Lloyds Berkshire (collectively, “Lloyds Berkshire” or “Lloyds Berkshire Management or Lloyds Berkshire International Group” or “we” or “us”). It is not provided by the Lloyds Berkshire Corporation.
Global Use
This site is intended to provide information about Lloyds Berkshire and its corporate organization. Site Content may refer to products or services that may not be available in your country. Consult your local Lloyds Berkshire office for more information. You should not construe anything on the Site as a promotion or solicitation for any product or for the use of any product that is not authorized by the laws and regulations of the country in which you are located.
Access to the Site and the Site Content may not be legal by certain persons or in certain countries, and you access the Site at your own initiative and risk. Lloyds Berkshire makes no representation that the Site Content or the Site is appropriate or available for use in your country and access to the Site from countries where the Site contents are illegal, is prohibited.Because of the global nature of the Internet, you agree to comply with all local rules with respect to your online conduct, including all laws, rules, codes and regulations of the country in which you reside and the country from which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud and privacy. In addition, you agree to comply with all applicable laws, rules, codes and regulations regarding the transmission of technical data exported from the United States.Authorized Use and Users
Authorized Use
. Except as otherwise permitted in these Terms of Use, this Site is intended only for your personal, noncommercial use unless (1) you are a broker/dealer, bank or other financial services firm that has entered into a valid distribution agreement (“Distribution Agreement”) with Lloyds Berkshire, or you are an authorized representative of such firm and (2) it is for your reasonable and fair business use for the purpose of providing services under such Distribution Agreement. Any other exceptions must be expressly authorized by Lloyds Berkshire in writing.
No solitications.
Nothing on this Site shall be considered a solicitation to buy or an offer to sell, or a recommendation for, a security, or any other product or service.
No investment recommendations or professional advice; use of tools.
This Site is not intended to provide any tax, legal, insurance or investment advice, and nothing on the Site should be construed as a recommendation, by us or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. If there are certain tools available on the Site that provide general investment or financial analyses based upon your personalized input, such results are not to be construed as our providing investment recommendations or advice. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.
In accordance herewith, Lloyds Berkshire grants to you a limited, revocable, nonexclusive, nontransferable license to view, download, store, bookmark and print the pages within this Site. You may also copy, distribute, post, and display the pages within this Site provided that you identify both Lloyds Berkshire and the Site as the source and place such source attribution in close proximity to the copied, distributed, posted or displayed pages.Means of Access and Prohibited Uses
The Site is generally intended to be viewed by a conventional web browser with a screen resolution of 1024 by 768 pixels or greater. Although you may use other means to access the Site, be aware that the Site may not appear accurately through other access methods, and you use them only at your own risk. You are responsible for setting the cache settings on your browser to ensure that you are receiving the most recent data. You should not access the Site through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved by Lloyds Berkshire in writing.
Because all servers have limited capacity and are used by many people, you may not use the Site in any manner that could damage or overburden any Lloyds Berkshire server, or any network connected to any Lloyds Berkshire server. You may not use the Site in any manner that would interfere with any other party’s use of the Site.Except as otherwise stated in these Terms of Use or as expressly authorized by Lloyds Berkshire in writing, you may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell or exploit any reports, data, information, content, software, electronic feeds such as RSS feeds, products, services or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, “Site Content”).You also may not probe, scan, test the vulnerability or attempt to gain unauthorized access to Site, Site Content or services, systems, networks or servers connected or associated with this Site through hacking, data mining, or any other means.Content and Site Vulnerability
The Site Content is for informational, educational, and noncommercial purposes only. This Site and the Site Content will not make any recommendations to buy or sell any security or investment scheme. The Site Content may provide information relating to investment approaches however such information should not be construed as legal or tax advice. This Site’s access to third party content or other websites should not be construed as and endorsement of the third party content or websites or as a recommendation by Lloyds Berkshire or any of its affiliates to buy or sell any security issued by any third party.
As with all web sites, this Site may be vulnerable to hacking, viruses, worms or other malware that may interfere with your use and access to the Site or otherwise alter the Site Content, including but not limited to making false investment recommendations. Such malware may also harm your computer and software used to access the Site. It is your responsibility to ensure you are using the most up-to-date virus protection software to protect your computer from malware.To the extent allowed by law, use of the Site and the Site Content is at your own risk and you agree not to hold Lloyds Berkshire or any of its third party content providers liable for any loss, damage or other possible claims arising from any action or decision you make in connection with the Site or Site Content.Linking Permission
Linking to the Site is permitted (“Linking Permission”) solely under the following terms:
-- The link must be only for your personal, noncommercial use, unless: (1) you are a broker/dealer, bank or other financial services firm that has entered into a valid distribution agreement (“Distribution Agreement”) with Lloyds Berkshire, or you are an authorized representative of such firm and (2) it is for your reasonable and fair business use for the purpose of providing services under such Distribution Agreement. Any other exceptions must be expressly authorized by Lloyds Berkshire in writing.-- The link must resolve directly to the Site’s home page at http://lloydsberkshire.weebly.com or a page within this Site, unaltered in any way, without first resolving to another site or “pop-up” box with the lone exception to display a notice that the link will take the user to the Lloyds Berkshire Site. The link may not resolve to a framed environment or otherwise alter the Site Content or the look and feel of the Site.-- The text surrounding the link must accurately describe the Site without falsely associating, implying an endorsement or misrepresenting any relationship between the linking site and Lloyds Berkshire. Suggested language for the text identifying the Link is “Lloyds Berkshire” You may also use the Lloyds Berkshire logo shown below and unmodified solely in connection with the link:

-- Lloyds Berkshire reserves the right to revoke this Linking Permission at any time without notice, liability or indemnity to you.-- If you will not comply with the terms of the Linking Permission you may not link or otherwise provide links to the Site.The Royal Charter
Lloyd Berkshire, the unit of group of financial management and reporting group granted the Royal Charter Corporation by Queen Elizabeth II in year 2017. Enabling the Financial Reporting Standard (FRS) across the board as a standard. A standard that’s allow the organization to offer training and reporting consultation. It does not, to any great extent, impose specific duties or responsibilities on the company.
The Royal Charter is supplemented by the Bye-laws which detail some aspects of how LBM has to be run on financial reporting. They cover matters such as membership, portfolio review schedule, risk assessment standard, the conduct of General Meetings and the composition of the Board.

The Royal Charter

Trademarks, Copyright Policy, Notice and Claim Information
All trademarks, service marks and logos appearing on this Site are the exclusive property of Lloyds Berkshire or their respective owners. Except as permitted in the Linking Permission, nothing contained on this Site should be construed as granting any license or right to use any trademarks service marks or trade dress of Lloyds Berkshire or any third party.
All Site Content is owned or licensed by Lloyds Berkshire and its third party information providers, and are protected by United States and international intellectual property laws. Lloyds Berkshire reserves the right to remove any content that may infringe third party intellectual property rights.If you believe any content on this Site infringes your copyrights, please submit the following to Lloyds Berkshire:1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright allegedly infringed;
2. An identification and a description of the copyrighted material and where the material that you claim is infringing is located on the Site;
3. Your address, telephone number, and email address;
4. A statement by you that you have a good faith belief that the disputed use in the manner complained of is not authorized by the copyright owner, its agent, or the law;
5. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on the copyright owner’s behalf.
Third Party Content
Some of the content, including any advertisements, tools, and information, including but not limited to stock quotes available through the Site may be provided by companies that are not affiliated with Lloyds Berkshire (“Third Party Content”) and their source is clearly identified. In some cases, the Third Party Content may be available through a link to a third party site. While Lloyds Berkshire will generally only provide such information from, or links to, sources considered reliable, Lloyds Berkshire has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content and neither Lloyds Berkshire nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Lloyds Berkshire and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN “AS-IS” BASIS. Lloyds Berkshire IS NOT RESPONSIBLE FOR ANY THIRD PARTY CONTENT AND LINKS THERETO AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
You acknowledge that in the case of Third Party Content, there may be additional restrictions that apply to its use. You should be careful to examine them (for example, in accompanying statements or caveats or their posted terms of use) because they may be more restrictive than the restrictions Lloyds Berkshire imposes on the Site.DISCLAIMER OF WARRANTIES
YOU ACKNOWLEDGE AND AGREE THAT THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NONE OF Berkshire, ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY, THE “LLOYDS BERKSHIRE PARTIES”) GUARANTEES THE TIMELINESS, ACCURACY, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE SITE. NONE OF THE LLOYDS BERKSHIRE PARTIES WARRANT THAT THIS SITE OR DOWNLOADS WILL MEET YOUR NEEDS OR EXPECTATIONS, OR BE UNINTERRUPTED, SECURE OR ERROR FREE OR THAT THIS SITE, ITS SERVER OR ANY FILES AVAILABLE FOR DOWNLOADING THROUGH THIS SITE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. THE LLOYDS BERKSHIRE PARTIES HAVE NO RESPONSIBILITY FOR VIRUSES OR ANY OTHER DAMAGE THAT MAY BE CAUSED TO YOU AS A RESULT OF USING THIS SITE. PERIODS OF VOLATILE OR UNUSUAL MARKET ACTIVITY, IN PARTICULAR, MAY AFFECT SYSTEMS AVAILABILITY OR RESPONSE TIME.
YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THIS SITE AND THE TIMELINESS, USEFULNESS, ACCURACY OR COMPLETENESS OF THE SITE IS ASSUMED SOLELY BY YOU. ALL OF THE LLOYDS BERKSHIRE PARTIES HEREBY SPECIFICALLY DISCLAIM ANY REPRESENTATIONS, ENDORSEMENTS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THIS SITE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ALL OF THE LLOYDS BERKSHIRE PARTIES DISCLAIM ANY WARRANTIES WITH RESPECT TO ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE.You agree that you are responsible for the means you use to access the Site and understand that your hardware, software, the Internet, your Internet Service Provider, and other third parties involved in connecting you to our Site may not perform as intended or desired.Lloyds Berkshire also disclaims responsibility for damages third parties may cause to you through the use of this Site, whether intentional or unintentional. For example, you understand that hackers could breach our security procedures, and that Lloyds Berkshire will not be responsible for any related damages.Reasonable precautions have been taken to ensure that Site Content is accurate, however, we do not warrant that the Site Content is accurate, complete or timely. Site Content is presented only as of the date published or indicated and may be superseded by subsequent market events or other reasons. Lloyds Berkshire has no duty to update this Site or any Site Content. WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM ANY ACTIONS, INACTION OR INVESTMENT DECISIONS TAKEN BY YOU BASED ON THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE DATA OR INFORMATION PRESENTED THROUGH THIS SITE.Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 and involve risks and uncertainties. General business, market, economic and political conditions could cause actual results to differ materially from what we presently anticipate or project.We discourage you from using e-mail for sending confidential or sensitive information. If you send e-mail (encrypted or not) to us over the Internet, you are accepting the associated risks of lack of confidentiality.Limitation of Liability
YOUR SOLE REMEDY FOR DISSATISFACTION WITH YOUR USE OF OUR SITE IS TO STOP USING THE SITE. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL THE LLOYDS BERKSHIRE PARTIES BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES (COLLECTIVELY, THE “EXCLUDED DAMAGES”), ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO: LOSS OF REVENUE, TRADING LOSSES, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; ANY FAILURE OF PERFORMANCE, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DEFECT, OPERATOR ERRORS, INCONVENIENCE OR DELAY IN OPERATION OR TRANSMISSION OR COMPUTER VIRUS; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET); SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD); FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT; OR THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OR USE OF YOUR INFORMATION, EQUIPMENT OR PROPERTY, EVEN IF THE LLOYDS BERKSHIRE PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE EXCLUDED DAMAGES. FURTHER, THE LLOYDS BERKSHIRE PARTIES WILL NOT BE RESPONSIBLE FOR ANY FAILURE TO COMPLY, BY YOU OR ANY THIRD PARTY, WITH THESE TERMS OR WITH APPLICABLE FEDERAL, STATE AND LOCAL LAWS.
THESE LIMITATIONS OF LIABILITY WILL APPLY REGARDLESS OF: (I) ANY NEGLIGENCE OR GROSS NEGLIGENCE OF ANY LLOYDS BERKSHIRE PARTY OR (II) WHETHER THE LIABILITY SOUNDS IN NEGLIGENCE, STRICT LIABILITY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LEGAL LIABILITY; AND WILL REMAIN IN EFFECT EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY OR EXCLUSION OF WARRANTIES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN THOSE JURISDICTIONS, THE LLOYDS BERKSHIRE PARTIES’ LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE LLOYDS BERKSHIRE PARTIES’ AGGREGATE LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100).Indemnification
You agree to indemnify, defend and hold harmless Lloyds Berkshire, its subsidiaries and affiliates, and each of its and their officers, directors, employees and agents, from and against all claims, demands, liabilities, damages, losses or expenses, including attorney’s fees and costs, arising out of or related to (i) your improper access to or use of this Site or (ii) any violation by you of these Terms of Use.
Governing Law, Forum, Severability
Failure by Lloyds Berkshire to enforce any provision(s) of these Terms of Use shall not be construed as a waiver of any provision or right. This Site is controlled and operated by Lloyds Berkshire from its offices within California in the United States of America. The laws of the State of California (“Governing Laws”) govern these Terms. If you take legal action relating to these Terms, you agree to file such action only in the state courts of the City and County of San Mateo, California, or the United States District Court for the Northern District of California, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action. If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions shall remain in full force and effect. You shall comply with all laws, rules and regulations by any governmental authority or agency which govern or apply to the operation and use of the Site. Without limiting the foregoing, you agree to comply with such restrictions and not to export or re-export any of the Site to countries or persons prohibited under the export control laws of the United States. These Terms of Use inures to the benefit of Lloyds Berkshire, its successors and assigns. You may not assign the Terms of Use. No waiver shall be effective unless in writing. All rights not expressly granted herein are reserved by Lloyds Berkshire.
Termination
You acknowledge and agree that Lloyds Berkshire may restrict, suspend or terminate the Terms of Use or your access to, and use, of the all or any part of Site, including any links to third-party sites, at any time, with or without cause, including but not limited to any breach of the Terms of Use, in Lloyds Berkshire absolute discretion and without prior notice or liability. The relevant version of the Terms of Use shall continue to apply to all prior use of the Site. The following paragraphs of this Terms of Use shall survive termination of your use or access to the Site: paragraphs concerning Indemnification, Disclaimers, Limitations of Liability, Termination and General Provisions, and any other provision that by its terms survives termination of your use of or access to the Site.

Lloyds Berkshire Anti-Corruption Policy Overview

Purpose & Objective
This overview of of Anti-Corruption Policy outlines the principles that FRI and its affiliates (collectively "LBM" or "we") follow to achieve zero-tolerance against bribery and corruption. The objective of our anti-corruption policy is to ensure that appropriate anti-corruption and bribery procedures are in place across the globe to avoid any violations of relevant laws and regulations, including, among others, the U.S. Foreign Corrupt Practices Act and the U.K. Bribery Act 2010.
Scope
This policy applies to all officers, directors, shareholders, employees and appointed third party representatives of LBM (including but not limited to agents, intermediaries, consultants and introducers) in all locations. Violation of this policy will be severely sanctioned, including where appropriate disciplinary procedures, up to and including termination of employment and possible referral to the appropriate criminal or regulatory authorities.
LBM intends to review doing business with others who do not commit to the same standard of zero-tolerance of corruption, including joint ventures partners and distributors.
Policy Requirements
LBM has embedded within its business the following principles and controls to achieve zero tolerance against bribery and corruption:
Policy Requirements
No acceptance or offering of bribes and facilitating payments
-- Strictly prohibited from giving or receiving bribes (i.e. personal benefit for any improper advantage) as well as facilitating payments (regardless of whether these are common practices in a particular country) which involve anything of value to government officials in order to expedite or facilitate routine, non-discretionary government actions
Charitable and political donations
-- Prohibited from payment of donations that are linked to obtaining any improper advantage, including facilitating payments.
Gifts and Entertainment
-- Prohibited from providing gift or entertainment to clients, prospects, government officials or their family members when such expenses are not incurred while conducting company business and/or do not satisfy this policy and our related policies.
Payment & Recordkeeping
-- All relevant expenditures must be properly documented, approved and maintained for a minimum of 6 years.
Government officials
-- Required to adhere to our additional recordkeeping requirements regarding all expenditures related to government officials. Written prior approval is required when a certain threshold is exceeded.
Due Diligence on Third-Party Representatives
-- Required to conduct an appropriate due diligence review on background, reputation, and business capability before engaging or contracting with any third-party representatives and to include anti-corruption provisions in any such contract.
Periodic training
-- Required to carry out appropriate training to employees regarding the Anti-Corruption Policy and their role to ensure compliance.
Monitoring and Reporting
We shall monitor compliance with our Anti-Corruption Policy. Further, all persons covered by this policy must promptly report any violation or suspected violation of this policy to the Deputy General Counsel - International, the Director of Compliance or the Compliance and Ethics Whistleblower Hotline.