"Halifax Bank of Scotland (HBOS) is a subsidiary of the Lloyds Banking Group. Halifax is a subsidiary of Bank of Scotland. Imagine my annoyance when I, as a loyal Bank of Scotland customer of over twenty years (yes there was once a Coventry branch, opened to serve the many Scots who moved here to work in the colliery and car factories, now closed as well), discovered that the Bank of Scotland Fixed Cash ISA 2 Years pays only 3.4% interest whereas the Halifax ISA Saver Fixed 2 Years pays 3.7% interest.
The embarrassed telephone advisor explained that the two brands, ie Halifax and Bank of Scotland offered different rates. So they were competing with each other and offering a poorer service to their Bank of Scotland customers whose brand loyalty they ignore. Meanwhile, the LloydsTSB 2 Year Fixed Cash ISA offers rates of 3.7% for amounts over £10,000 or 3.4% for lesser amounts.
So an Englishman, a Welshman and a Scotsman go into a bank and ... only it's most definitely not a joke for the proud Scotsman and woman!