Is Lloyds TSB in Difficulties? - (curious contract term)

Hi all,
Lloyds TSB recently (within the last few months) made an extremely significant change to their T&C which leads me to suspect they may have
liquidity or even solvency issues which may be about to rear their ugly heads.
The change enables them, they claim, - inter alia -to decline any payment instruction the customer makes, effectively freezing the account. They can do this, they claim, basically if they feel like it. They need give no reason and they will not be liable for any consequential damage suffered as a result. THIS IS IN ADDITION to the usual clauses against fraud, misrepresentaton, money laundering, terrorism and so forth which remain included in the revised T&C. The only possible reason I can think of for such a sweeping change is if they are anticipating a run on the bank following the publication of exceptionally bad results or such like. Perhaps they're heavily exposed to Greece?
Here's the clause, tell me what you think:
https://www.flickr.com/photos/128859641@N02/16254995502/
Is it even enforceable???
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On Sun, 11 Jan 2015 10:12:27 -0800, Simon Mason wrote:

No one would take issue with that, but it's MUCH wider; essentially limitless: *ANY* reason - and in *their* sole discretion.

Wow. That's interesting. I think I'd best run my balance down to just enough for day to day bill paying in that case. Thanks!
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On 11/01/2015 17:49, cd wrote:

I don't think that Lloyds TSB exists any more. Aren't Lloyds Bank and TSB now separate entities? Which one issued that clause?
--
Cheers,
Roger
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On Sun, 11 Jan 2015 19:52:21 +0000, Roger Mills wrote:

Interesting, I knew there was talk of them splitting but heard no more of it. This was issued by "Lloyds Banking Group PLC" as referenced in the clause I posted.
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On 11/01/2015 19:57, cd wrote:

The signs above the doors have been changed. Derek
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On Sun, 11 Jan 2015 19:52:21 +0000, Roger Mills wrote: [...]
Just checked into it and they de-merged last September, so this is *nothing* to do with TSB! Apologies for smearing them and thanks to Roger for the heads-up.
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