Halifax is a division of Bank of Scotland plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. • us, Bank of Scotland plc, Halifax division; and. • you, the person (or persons) named in the mortgage deed as “the borrower” (or “the debtor” if your property is in Scotland). If more than one of you is borrowing from us, our agreement applies to all of you together and to each of you on your own. Meaning of words we’ve used. account Any account you hold with us that is covered by this agreement. Lloyds Banking Group This includes us and a number of other companies using the Lloyds Bank, Halifax and Bank of Scotland brands and their associated companies.