'Always giving you extra'… as long as you do it for our customers, we'll do it for you. We're looking to develop the best motivated and best rewarded team in the business, so expect plenty. Training, sales support, personal development, opportunity, great incentives… you name it, we'll go that extra mile to make sure you have everything you need for a rewarding career. And that, of course, includes a benefits package you'll find hard to beat - by anyone, anywhere. It covers everything you'd expect (good salary, generous holidays) and plenty that you wouldn't, such as bonuses and incentives, share schemes, discounted mortgages and plenty more… all adding up to a total rewards package to match your total commitment.

Pay (plus bonuses)
Generous Holiday Entitlement
Shares
Colleague Products
Money Purchase Pension
Life Assurance
Flexible Working
Flex Benefits
Recognition
Our commitment
Support when it counts
Academy

Pay (plus bonuses)
We start by giving you a highly attractive basic salary. We have bands, but there's a lot of flexibility… so we'll take into account the nature of the role, as well as your skills and experience. On top of this, everyone has the chance to earn more by putting in 'extra'. So you can earn a bonus for individual, team and company performance. Reach or exceed your targets for example, and you can expect to receive between 10% and 30% of salary - extra! Nice.
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Generous Holiday Entitlement
You'll receive between 22 and 30 days paid holiday a year, depending on your role and length of service.
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Shares
We want you to share in our success (we like smiling people). We won't go into detail here, but there are various schemes where you'll receive either shares or share options. It's hugely popular. Largely because it can be hugely profitable for our colleagues.
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Colleague Products
We're the UK's number one for savings and mortgages, and have plenty of other products too, such as insurance and healthcare. All of which are available to you at attractive, discounted rates. Enough said.
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Money Purchase Pension
Pay between 2% to 8% of your basic salary and we'll pay between 3% and 12%.
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Life Assurance
A lump sum of four times your salary for nominated beneficiaries.
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Flexible Working
To balance your needs, with those of the business. We're flexible. How about you?
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Flex Benefits
Allows you to 'adjust' the balance of benefits according to needs. Highly popular. For example, 'buy' an extra day's holiday out of your salary. Or maybe you'd rather sell? Or perhaps you want to buy childcare vouchers at a discount. Flexible benefits will be launched in Estate Agencies in January 2004.
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Recognition
A special fund for special effort by individuals, teams - or whole regions. Awards range from boxes of chocolate to trips to Disneyland.
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Our commitment
We also recognise our important role in the community which is why we have the HBOS foundation and the opportunity to take an extra days holiday to volunteer in the community.
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Support when it counts
Because we know we are all individuals, we also recognise that we all may need a little xtra help in our lives. To help these we have career breaks for colleagues who wish to take time off for family commitments, changes in lifestyle or just fancy travelling.
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Academy
Academy forms our template for development - an open learning approach which is fun, dynamic and delivers bespoke solutions tailored to individual needs. Allows individuals to have a clear development plan linked to career progression and opportunities. We have introduced functional academies for every part of the business which are designed specifically to give colleagues the technical tools to be effective in their present role.

Sitting alongside the functional academies and Retail Leadership Academy is the Xtra Stretch Portfolio which has been designed to meet the needs of retail colleagues who are seen as rapidly progressing in the business and need more stretching development to support their career progression to realise their potential.
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