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<div class="business-main-slider">
	<div class="owl-carousel main-slider">
        <div class="item creditbanner">			
			<div class="hvrbox">
				<img src="images\graduates-hat-throwing.jpg" alt="credit" class="hvrbox-layer_bottom">
			</div>	
			<div class="banner-content">
				<div class="innerBanner container">
					<h3>Graduate loans</h3>
					<p>Be ready for what comes next</p>
				</div>
			</div>		
        </div>
    </div>	
</div>
<div class="card-detail-wr">
	<div class="container">
		<div class="card-single-wr" style="border-top: none; margin-bottom: 35px;">
			<h2>Calculate your Graduate Loan</h2>
			<p>Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.</p>
			<!--cal-->
				<div class="calculator-wr">
					<div class="row with-bg">
			            <div class="sm-12">
			                <div class="O-SMARTSPCGEN-DEV O-LNSCALC-RW-RBWM">
			                    <div data-config="{&#34;rules&#34;:[{&#34;maxAmount&#34;:2999,&#34;apr&#34;:21.9,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:60},{&#34;maxAmount&#34;:4999,&#34;apr&#34;:18.9,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:60},{&#34;maxAmount&#34;:6999,&#34;apr&#34;:6.1,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:60},{&#34;maxAmount&#34;:15000,&#34;apr&#34;:3.3,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:60},{&#34;maxAmount&#34;:30000,&#34;apr&#34;:3.3,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:96},{&#34;maxAmount&#34;:50000,&#34;apr&#34;:6.7,&#34;minMonths&#34;:12,&#34;maxMonths&#34;:96}],&#34;amountSliderStep&#34;:10,&#34;defaultAmount&#34;:10000,&#34;defaultMonths&#34;:60,&#34;minAmount&#34;:1000}" data-amount-prefix="$" data-percent-sufix="%" data-annually="p.a." class="config-holder">
			                        <div class="A-PNLPEARL-RW-ALL">
			                            <div class="row">

			                                <div class="A-RELILB1V2H-RW-ALL indicator">
			                                    <div class="placeholder placeholder-left sm-12 lg-8">
			                                        <div class="lc-inputs row">
			                                            <div class="leftholder sm-12 md-6 lg-6 lc-input-box">
			                                                <label id="loansCalculatorAmountLabel" for="amount--1802935693" class="A-TYP16R-RW-ALL heading-left">How much would you like to borrow?</label>
			                                                <span class="A-FITEXT-RW-ALL" data-calc-input="amount">
			                                    <span class="income-prefix">$</span>
			                                                <input id="amount--1802935693" type="text" class="input lc-income left-placeholder-1" name="amount">
			                                                <div id="loansCalculatorAmountError" class="message message-error hide" role="alert">
			                                                    <span class="icon icon-circle-error" aria-hidden="true"></span>
			                                                    <span>Enter an amount between ${{min}} and ${{max}} or reduce the term below 60 months to borrow less</span>
			                                                </div>
			                                                </span>
			                                                <div data-calc-slider="amount" class="calc-slider-field">
			                                                    <div class="calc-bar">
			                                                        <div class="calc-areas"></div>
			                                                        <div class="calc-slider">
			                                                            <a class="calc-slider-handle ui-slider-handle" tabindex="0"></a>
			                                                        </div>
			                                                        <label data-calc-label-min="" class="label-left" aria-live="off"></label>
			                                                        <span class="visuallyhidden">Minimum</span>
			                                                        <label data-calc-label-max="" class="label-right" aria-live="off"></label>
			                                                        <span class="visuallyhidden">Maximum</span>
			                                                    </div>
			                                                </div>
			                                            </div>
			                                            <div class="leftholder sm-12 md-6 lg-6 lc-input-box">
			                                                <label id="loansCalculatorMonthsLabel" for="months--1802935693" class="A-TYP16R-RW-ALL heading-right">Over how many months?</label>
			                                                <span class="A-FITEXT-RW-ALL" data-calc-input="months">
			                                    <input id="months--1802935693" type="text" class="input months-input" name="months">
			                                    <div id="loansCalculatorMonthsError" class="message message-error hide" role="alert">
			                                        <span class="icon icon-circle-error" aria-hidden="true"></span>
			                                                <span>The loan term must be between {{min}} and {{max}}</span>
			                                            </div>
			                                            </span>
			                                            <div data-calc-slider="months" class="calc-slider-field">
			                                                <div class="calc-slider">
			                                                    <a class="months-slider-handle ui-slider-handle" href="javascript:void(0);"></a>
			                                                </div>
			                                                <label data-calc-label-min="" class="label-left" aria-live="off"></label>
			                                                <span class="visuallyhidden">Minimum</span>
			                                                <label data-calc-label-max="" class="label-right" aria-live="off"></label>
			                                                <span class="visuallyhidden">Maximum</span>
			                                            </div>
			                                        </div>
			                                    </div>
			                                </div>
			                                <div class="placeholder placeholder-right sm-12 lg-4">

			                                    <span class="A-TYP16B-RW-ALL">Representative example</span>

			                                    <div class="result rightholder" aria-atomic="true" aria-live="assertive"></div>
			                                </div>
			                            </div>
			                        </div>
			                    </div>
			                </div>
			                <script type="text/html" class="result-template">

			                    <table class="result-representative-table">
			                        <tbody>
			                            <tr>
			                                <th scope="row">

			                                    <span class="A-TYP16R-RW-ALL">Monthly repayment</span>

			                                </th>
			                                <td>

			                                    <span class="A-TYP22B-RW-ALL">{{amountPrefix}}{{monthlyRepayment}}</span>

			                                </td>
			                            </tr>
			                            <tr>
			                                <th scope="row">

			                                    <span class="A-TYP16R-RW-ALL">Total amount payable</span>

			                                </th>
			                                <td>

			                                    <span class="A-TYP22B-RW-ALL">{{amountPrefix}}{{totalAmount}}</span>

			                                </td>
			                            </tr>
			                            <tr>
			                                <th scope="row">
			                                    <span class="result-label">

			    <span class="A-TYP16R-RW-ALL">APR</span>

			                                    <span class="visuallyhidden"></span>
			                                    </span>
			                                </th>
			                                <td>

			                                    <span class="A-TYP22B-RW-ALL">{{apr}}{{percentSufix}}</span>

			                                </td>
			                            </tr>
			                            <tr>
			                                <th scope="row">

			                                    <span class="A-TYP16R-RW-ALL">Interest rate p.a.</span>

			                                </th>
			                                <td>

			                                    <span class="A-TYP22B-RW-ALL">{{apr}}{{percentSufix}}</span>

			                                </td>
			                            </tr>
			                        </tbody>
			                    </table>
			                    <span class="arrow"></span>

			                </script>

			            </div>

			            <div class="O-COLCTRL-RW-DEV cc-wrapper">

			                <div id="pp_tools_columnControl_1">
			                    <div class="cc cc-columns-100 ">

			                        <div id="pp_tools_columnControlColumn_1" class="cc-column">

			                            <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM rich-text">
			                                <div id="pp_tools_richtext_1" data-zone="America/New_York">
			                                    <p class="A-PAR16R-RW-ALL">Please use the calculator or the&nbsp;<a href="content\dam\Bank\gb\pdf\HSB-MCP51204-WEB" target="_blank" rel="noopener">loans interest rate table</a>&nbsp;for more details.
			                                        <br>
			                                    </p>

			                                </div>
			                            </div>

			                        </div>
			                    </div>
			                </div>
			            </div>

			        </div>
			    </div>
				</div>
			<!--//-->
		</div>
		<div class="card-single-wr">
			<h2>Features & benefits</h2>
			<div class="inner-card-wr row">
				<div class="col-sm-4">
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Borrow from $1,000 to $25,000</li>
						<p>Spread your repayments over one to five years for loans of $15,000 or less, or over one to eight years for loans over $15,000.</p>

						<li><i class="fa fa-check" aria-hidden="true"></i>Quick decision</li>
						<p>No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).</p>

						<li><i class="fa fa-check" aria-hidden="true"></i>Redraw once you've repaid</li>
						<p>If your application is approved online, you'll receive the money in your account straight away.</p>
					</ul>
				</div>
				<div class="col-sm-4">
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Top up your existing loan</li>
						<p>If you already have an <?php echo $sitename ?> Personal Loan, you can apply to borrow more online.</p>

						<li><i class="fa fa-check" aria-hidden="true"></i>Make overpayments</li>
						<p>Make overpayments without charge, which may reduce the amount of interest you pay.</p>

						<li><i class="fa fa-check" aria-hidden="true"></i>Repayment holidays</li>
						<p>You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall.</p>
					</ul>
				</div>
				<div class="col-sm-4">
					<h3 style="margin-top: 0;">3.3% APR* Representative</h3>
					<p>For loans between $5,000 and $25,000.</p>
					<p>*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.</p>
					<p>The APR rates may vary based on amount borrowed. Please use the calculator or the <a href="#">loans interest rate table (PDF, 57KB)</a> for more details.</p>
				</div>
			</div>
		</div>

		<div class="card-single-wr inner-card-wr" style="border-top: none;padding-top: 25px;">
			<h2>Apply for a Graduate Loan</h2>
			<div class="inner-card-wr lowerwr">
				<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo77">Are you eligible?</a>
				<div id="demo77" class="collapse">
					<p>To apply for a Graduate Loan, you need to:</p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>have an <?php echo $sitename ?> current account</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i>be 18 years or older and a US resident</li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>be within 5 years of graduation. </li>
						<li><i class="fa fa-check" aria-hidden="true"></i>have an annual income/pension before tax of $10,000 or more</li>
					</ul>
					<p>Please note, we may ask you to provide proof of your graduation when you apply.</p>
					<p>Available for five years after graduation to customers who are currently (or were previously) on our Graduate service.</p>
					<p>We do not offer our Graduate Loans for a number of purposes including:</p>
					
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>The purchase of property or land (both US & Overseas) including holiday homes and apartments</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i>Purchasing a joint stake in a property or buying out a joint owner</li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>Mortgage deposit (regardless of lender or country)</li>
						<li><i class="fa fa-check" aria-hidden="true"></i>Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees</li>
					</ul>
					<p>In addition, our Personal Loan should not be provided for:</p>
					<ul>
						<li><i class="fa fa-check" aria-hidden="true"></i>Gambling</li>		
						<li><i class="fa fa-check" aria-hidden="true"></i>Business purposes</li>	
						<li><i class="fa fa-check" aria-hidden="true"></i>Share dealing</li>
					</ul>
					<p>Please note that this list is not exhaustive.</p>
					<p>Our Graduate Loans are subject to status.</p>
				</div>
				
				<div class="row logonwr">
					<div class="col-sm-6 applynow">
						<h3>Not yet registered for online banking?</h3>
						<p>It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.</p>
						<a class="bussiness-btn-larg" href="account/index">Register for online banking</a>
					</div>
					<div class="col-sm-6 logon">
						<h3>Apply online</h3>
						<p>If you're registered for online banking and have an Bank current account, you can complete your application online in minutes.</p>
						<a href="#" class="bussiness-btn-larg">Log on and apply now</a>
					</div>
					<div class="col-sm-12 logon" style="margin-top: 30px;">
						<a class="toggleclass" href="#" data-toggle="collapse" data-target="#demo777">Apply by phone or in branch</a>
						<div id="demo777" class="collapse row">
							<div class="col-sm-6 applynow">
								<h3 style="margin-top: 0;">Apply by phone</h3>
								<p>Call us on <?php echo$sitephone ?></p>
								<p>Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).</p>
							</div>
							<div class="col-sm-6 logon">
								<h3>Apply in branch</h3>
								<p>Bank current account customers can book an appointment to apply in branch by calling .</p>
								<p>From outside the <?php echo$sitecountry ?> <?php echo $sitename ?>.</p>
								<p>Alternatively, you can book a branch appointment online.</p>
								<p>You’ll need to bring identification and proof of your address.</p>
								<a style="margin-bottom: 10px;" href="#" class="bussiness-btn-larg">Log on to book an appointment online</a>
								<a href="#" class="bussiness-btn-larg">Continue without logging on</a>
							</div>
						</div>
					</div>
				</div>
			</div>
		</div>

		<div class="card-single-wr downloadlist">
			<h2>Things you should know</h2>
			<div class="inner-card-wr">
				<ul>
					<li><a href="#"><i style="margin-right:10px;" class="fa fa-clone" aria-hidden="true"></i>Standards of lending practice</a></li>	
					<li><a href="#"><i class="fa fa-download" aria-hidden="true"></i>Personal Loan Terms & Conditions (PDF, 90KB)</a></li>
					<li><a href="#"><i class="fa fa-download" aria-hidden="true"></i>Privacy Notice (PDF, 547KB)</a></li>
				</ul>
			</div>
		</div>

		<div class="card-single-wr interestwr">
			<h2>You might also be interested in</h2>
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											Flexiloan<i style="margin-left: 10px;" class="fa fa-angle-right" aria-hidden="true"></i>
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									<p>Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).</p>
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										<figure><img src="images\1a.jpg" alt="slide 1" class=""></figure>
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											<?php echo $sitename ?> <?php echo $shortname ?> Personal Loan<i style="margin-left: 10px;" class="fa fa-angle-right" aria-hidden="true"></i>
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									<p>Available exclusively to <?php echo $sitename ?> <?php echo $shortname ?> current account customers.</p>
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