Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. We don’t charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality. The Mobile Banking app’s Branch and ATM finder is available to all. Other Mobile Banking services are only available to our UK personal Lloyds Bank customers and registration is required. Terms and conditions apply. We know security is important to you and we want you to feel safe online. Emails and texts from us will always greet you personally using your title and surname. You’ll also see the last 4 digits of your account number or your Internet Banking ID in our emails.

Operation Smile proudly offers a range of conferences and workshops that allow students around the world to explore the organization and the ways in which they can help children regain smiles and hope. Each opportunity allows youth to focus on building leadership skills, providing means for character development, and exposing them to a network of other leaders around the globe. Operation Smile's Annual International Student Leadership Conference Each year, Operation Smile hosts the International Student Leadership Conference at a different university around the world. The annual conference helps students develop and strengthen leadership skills and character, receive training on how to help those in developing countries, as well as learn cultural awareness. The conference recognizes the diversity among our students and celebrates what each unique student has to offer. We believe students play a vital role, not only in the future of Operation Smile, but also in the future of our country and the world. High school students, at least 15 years of age, and college students around the world are invited to attend this five-day leadership conference. Here, youth will develop and enhance skills to become a leader among peers. Participants will have the opportunity to hear great speakers share their insights on the topics of leadership, overcoming obstacles and what it means to make a difference. WHO: For high school students (at least 15 years old) and university students WHAT:Join students from around the world to hear top rated inspirational speakers, strengthen your own character, attend motivational workshops, and network with leaders from around the globe. Share ideas with hundreds of other youth as we all join together for one common cause – to create smiles for children in need. WHEN: July 20-24, 2015 WHERE: Chapman University - Orange County, California MORE INFORMATION: High School Students Operation Smile offers high school students the unique opportunity to participate on international medical missions. The primary role of a Student Team member is to EDUCATE. Students will become prepared to educate on several teaching modules including burn care and prevention, oral rehydration therapy, dental hygiene, basic health and nutrition. These modules are designed to inform local populations of basic health care that will improve quality of life.

Most social data and behavior is learned, not innate. Infants are largely non-social creatures, by which I mean they simply emote, without a thought to what message they're sending to others or how they appear. Sometime around two, kids become politicians. I used to work with two-year-olds, and it was amazing to watch. At the beginning of the year, the youngest twos would mostly play by themselves. Even if four of them were in a sandbox together, each was basically in his own world. They were aware of each-other, of course, but to kid A, kid B was simply an obstacle or an interesting object - not another person. These children didn't yet have a well-developed Theory of Mind. But they gained one over the course of the year. It was thrilling to see them reach out and, for the first time in their lives, befriend other children. As heartwarming as that was, it came with a tradeoff: social self-awareness. Self-consciousness. While it's not intense at two, this force eventually leads to "If I smile like that, I look goofy!" As we all know, that feeling intensifies in adolescence, when we become hyper-sensitive to the views of our peers. By the time we reach adulthood, we're expert politicians. It doesn't bother us any more to suppress our expressions. These suppressions become so habituals, they don't even feel like suppressions. We simply don't have an urge to open our mouths wide with joy. It's interesting to watch mentally-challenged adults. Some of them never learn politics or self-consciousness. You will see these huge, child-like expressions of joy bloom on their faces. And, of course, you see the same thing in some neuro-typical adults when they've consumed a quantity of alcohol. Famously, alcohol blunts inhibitions. What inhibitions are those? They're the layers of social clothing we've wrapped ourselves in since about we turned two. To most adults, it is intolerable to emote like a child and equally intolerable to to go for years without any raw expression of emotion. I'm not a Freudian, but I think we has onto something with the superego and the id. They're at war. To a great extent, what we call "culture" is our (imperfect) solution: it's our uneasy peace between order and chaos. Culture produces both this ...

When I was a first-year medical student, my classmates and I used to go down to the hospital cafeteria between lectures to buy snacks. The women from whom we bought them at the check-out counters were all young and sullen, rarely even glancing up at their customers as they rang up purchases. Their customers, in turn, seemed equally uninterested in them. So I decided one day I was going to get them to smile each time they rang up my purchases. To do this, I decided I'd simply start smiling at them myself. "Hello!" I started saying each time I'd approach. At first, they actually shrank from me physically. But within a few days, they started to smile back at me. And as time passed and I continued to smile and say a bright hello each time I came before them, I noticed something interesting: most of the time they were still wearing the same lifeless expressions. I'd become their "on" switch. Their focus was so concrete that to the person in line right before me they remained their same apparently disinterested, unhappy selves. But as soon as I entered the narrow band of space immediately before them, their eyes would suddenly light up and their mouths would curve into a smile. And I could tell, though we never exchanged any words other than "hello" and they knew absolutely nothing about me, that they were genuinely glad to see me.

It’s an economic problem – not a medical one. Cleft surgery has been around for decades, but for a family living off less than $2 a day, they could never dream of affording it for their child. Give a man a fish, feed him for a day... We leverage technology and innovation to train and utilize local partner hospitals and doctors and provide them with the resources, knowledge and skills to enable long-term sustainability. We focus on one solvable problem... Every child born with a cleft - anywhere in the world - should have the opportunity to live a full and productive life. Smile Train provides free cleft surgery to hundreds of thousands of poor children in developing countries.

In 2010, Amazon earned $34.2 BILLION in sales. Chances are that you and many of your friends, family and neighbors use Amazon. Your school has an opportunity to piggyback off the success of Amazon through their School Rewards Associates Program. The process is simple and quick. Just set up an account through the Amazon associates program. After setting up the account, Amazon will send you a unique link that anyone can use to access Amazon.com. Post this link to your school website. Send it to friends and family...

Smile at each other, smile at your wife, smile at your husband, smile at your children, smile at each other - it doesn't matter who it is - and that will help you to grow up in greater love for each other. Mother Teresa (1910-1997) Albanian-born missionary. A smile is a light in the window of the soul indicating that the heart is at home. Unknown Source There are hundreds of languages in the world but a smile speaks them all. Smile; it the second best thing one can do with one's lips. Attitude Adjuster: When you smile at someone, nine times out of 10 the other person will smile back and you've made two people's days brighter and better. Children smile on the average 400 times/day; Adults: 15 times/day. Ever wonder why? If I thought that a smile of mine, might linger the whole day through and lighten some heart with a heavier part, I'd not withhold it - Would you?

SMILE Resource Exchange is a free service for businesses that encourages the exchanging of resources between its members in order to save money , reduce waste going to landfill and to develop new business opportunities . Potential exchanges are identified through free networking events, an free online exchange facility and a support team to assist throughout. At SMILE networking exchange events and through the website businesses can identify resources they would like to exchange such as resuable items, by-products and surplus products. All resources offered are either free of charge or below market value. The service is available to businesses in the Republic of Ireland. Membership of SMILE Resource Exchange is free for businesses and is project managed by Macroom E. The following are organisations who support the initiative: Environmental Protection Agency Cork County & City Local Enterprise Offices Cork County Council Cork City Council Limerick/Clare/Kerry Regional Waste Management Office Limerick County & City Local Enterprise Offices Kerry Local Enterprise Office Clare Local Enterprise Office South Dublin County Council South Dublin Local Enterprise Office South Dublin Chamber of Commerce

Operation Smile is a private, nonprofit, volunteer medical services organization providing reconstructive surgery and related health care to indigent children and young adults in the United States and developing countries. Operation Smile provides education and training to physicians and other health professionals to achieve long-term self sufficiency. Description Operation Smile brings together health professionals within the public and private sectors to provide voluntary care to improve the quality of life for the children, families and communities that share in the Operation Smile experience. By creating domestic and international partnerships, Operation Smile builds trust, bridges cultures and bestows diginity at home and abroad.

Create a Smile Create-A-Smile History Firefighters see the worst society has to offer, sadly, sometimes on a daily basis. They respond to calls with many tasks to accomplish in a critically short amount of time. Developing a strategy and executing it, whether it is for fighting a fire or a technical rescue, can take as short as 20 minutes from getting the call to the end of the call. However, the call doesn’t end after the fire is put out or someone has been rescued from a totaled car. Often times, fire fighters leave a scene knowing that the victims they are leaving will have a lot of heart ache, recovery and work ahead of them. It was a gruesome call that inspired the Redwood City Firefighter's Association to launch their efforts to develop the foundation they call, “Create-A-Smile.” Engine 9, Shift B, responded to a medical aid call back in 1993. The details of this call are horrific and the brutality of it is hard to describe. A four-year-old girl had been kidnapped, raped, beaten, and thrown from a car in the parking lot of a storage facility on Hansen Street in Redwood City. She had been abandoned and wasn’t discovered until the next morning. This was a traumatic event that was discussed at length after the crew left the scene. Captain Meisenbach recalls his feelings from that day, “The most overwhelming feeling I had was that something needed to be done to help the victim (family included) immediately.” Knowing that there are agencies that help victims wasn’t enough. He continued, “There are a lot of programs and agencies that provide services in an ‘official way’ but there was an immediate need that the bureaucracy was not meeting. We decided to bring the victim a huge basket of toys to somehow start the healing process for the family.” That was the birth of Create-A-Smile. More discussion followed about how to bridge the gap between donors and victims. The fire service is a natural bridge between the two because of the constant contact fire fighters have with people in the community. The scope has expanded to supporting other charities that work at creating smiles. Create-A-Smile is recognized county- wide as a leader in community support.