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Savings Bond: it is a savings product that offers fixed interest if you keep a fixed amount in the bond for a set period of time.Scottish Widows Investment ISA. A Scottish Widows Investment ISA is a potentially tax efficient 'wrapper' around an OEIC fund. It allows you to benefit from potential investment growth free from personal liability to UK income tax and capital gains tax.

Secured Loan: a secured loan is a loan that is backed by assets belonging to the borrower, normally your home. This reduces the risk for the lender and may enable the borrower to obtain better terms for the loan. However if the borrower fails to keep up repayments on the loan then the lender could seek to use the assets that the loan is secured against to repay the outstanding debt. An unsecured loan is not backed by any assets belonging to the borrower.

Shortterm Credit: it is used to help you through to pay day for example an overdraft or credit card. It's usually higher cost than longerterm borrowing and should be kept to a minimum.

Shoulder Surfing: it is a technique used by fraudsters to steal your PIN or other information by peering over your shoulder. Always be careful when accessing personal or sensitive information in public places, and shield your PIN whenever you enter it.

Site Certificate: it form an essential part of providing reassurance to the customer that the site they are visiting is genuine. A site certificate shows you that a secure connection has been established and secure communication can take place. It will also demonstrate that you're not being tricked to enter your details on a fraudulent website.

Sort Code: your bank sort code can be found on your cheque book/paying in book or statement. It's made up of six digits and grouped in pairs eg. 000000.

Spam: it is unsolicited and unwanted email.

Standard Variable Mortgage Rate: the standard variable mortgage rate is guaranteed to be no more than 2% above the Bank of England base rate. If a change in the base rate means that we need to change the standard variable mortgage rate in order to fulfil the guarantee, then we will do so within 30 days of the change to the base rate.

Standing Order: a standing order is an instruction you give to your bank to pay a fixed amount to someone else or to one of your own eligible Lloyds Bank accounts on a regular basis, for a set amount of time. The payments are taken from your account on agreed dates, usually monthly.

Statement: the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law. Stepped Fixed Rate MortgageA stepped fixed rate means your mortgage payments stay low initially before gradually increasing.