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<br /> Financial Services Compensation Scheme<br /> Annual Report and Accounts 2013/14<br /> <br /> Financial Services Compensation Scheme<br /> Annual Report and Accounts 2013/14<br /> Presented to the House of Commons pursuant to section 7 of the<br /> Government Resources and Accounts Act 2000<br /> Ordered by the House of Commons to be printed on 7 July 2014<br /> HC 487<br /> © Financial Services Compensation Scheme copyright 2014<br /> The text of this document (this excludes, where present, the Royal Arms and all departmental or agency logos)<br /> may be reproduced free of charge in any format or medium provided that it is reproduced accurately and not<br /> in a misleading context.<br /> The material must be acknowledged as Financial Services Compensation Scheme copyright and the document<br /> title specified. Where third party material has been identified, permission from the respective copyright holder<br /> must be sought.<br /> Any enquiries related to this<a title="FSCS Annual Report 2013/14 page 1" href="http://viewer.zmags.com/publication/35861166?page=1"> Financial Services Compensation Scheme Annual Rep</a> <a title="FSCS Annual Report 2013/14 page 2" href="http://viewer.zmags.com/publication/35861166?page=2"> </a> <a title="FSCS Annual Report 2013/14 page 3" href="http://viewer.zmags.com/publication/35861166?page=3"> Financial Services Compensation Scheme Annual Rep</a> <a title="FSCS Annual Report 2013/14 page 4" href="http://viewer.zmags.com/publication/35861166?page=4"> © Financial Services Compensation Scheme copyrigh</a> <a title="FSCS Annual Report 2013/14 page 5" href="http://viewer.zmags.com/publication/35861166?page=5"> 5 Contents 1: The Year </a> <a title="FSCS Annual Report 2013/14 page 6" href="http://viewer.zmags.com/publication/35861166?page=6"> 6 FSCS Annual Report and Accounts 2013/14</a> <a title="FSCS Annual Report 2013/14 page 7" href="http://viewer.zmags.com/publication/35861166?page=7"> Our Role, Mission and Aims 7 Our</a> <a title="FSCS Annual Report 2013/14 page 8" href="http://viewer.zmags.com/publication/35861166?page=8"> 8 FSCS Annual Report and Accounts 2013/14 Sect</a> <a title="FSCS Annual Report 2013/14 page 9" href="http://viewer.zmags.com/publication/35861166?page=9"> Section 1: The Year in Summary 9 </a> <a title="FSCS Annual Report 2013/14 page 10" href="http://viewer.zmags.com/publication/35861166?page=10"> ‘ FSCS has a clear sense of direction about its f</a> <a title="FSCS Annual Report 2013/14 page 11" href="http://viewer.zmags.com/publication/35861166?page=11"> 11 Section 2 Chairman’s Statement Chairman L</a> <a title="FSCS Annual Report 2013/14 page 12" href="http://viewer.zmags.com/publication/35861166?page=12"> 12 FSCS Annual Report and Accounts 2013/14 Over</a> <a title="FSCS Annual Report 2013/14 page 13" href="http://viewer.zmags.com/publication/35861166?page=13"> Section 2: Chairman’s Statement 13 ‘ I believe w</a> <a title="FSCS Annual Report 2013/14 page 14" href="http://viewer.zmags.com/publication/35861166?page=14"> ‘ Reliability is what consumers and our levy paye</a> <a title="FSCS Annual Report 2013/14 page 15" href="http://viewer.zmags.com/publication/35861166?page=15"> 15 Section 3 Chief Executive’s Report Mark N</a> <a title="FSCS Annual Report 2013/14 page 16" href="http://viewer.zmags.com/publication/35861166?page=16"> 16 FSCS Annual Report and Accounts 2013/14 ‘ </a> <a title="FSCS Annual Report 2013/14 page 17" href="http://viewer.zmags.com/publication/35861166?page=17"> Section 3: Chief Executive’s Report 17 </a> <a title="FSCS Annual Report 2013/14 page 18" href="http://viewer.zmags.com/publication/35861166?page=18"> 18 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 19" href="http://viewer.zmags.com/publication/35861166?page=19"> Section 3: Chief Executive’s Report 19 The </a> <a title="FSCS Annual Report 2013/14 page 20" href="http://viewer.zmags.com/publication/35861166?page=20"> Our mission is to provide a responsive, well-unde</a> <a title="FSCS Annual Report 2013/14 page 21" href="http://viewer.zmags.com/publication/35861166?page=21"> 21 Section 4 Our Vision for a Confident Future</a> <a title="FSCS Annual Report 2013/14 page 22" href="http://viewer.zmags.com/publication/35861166?page=22"> 22 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 23" href="http://viewer.zmags.com/publication/35861166?page=23"> Section 4: Our Vision for a Confident Future 23 </a> <a title="FSCS Annual Report 2013/14 page 24" href="http://viewer.zmags.com/publication/35861166?page=24"> We aim to respond quickly, efficiently and accura</a> <a title="FSCS Annual Report 2013/14 page 25" href="http://viewer.zmags.com/publication/35861166?page=25"> 25 Section 5 Responding to Consumers FSCS dea</a> <a title="FSCS Annual Report 2013/14 page 26" href="http://viewer.zmags.com/publication/35861166?page=26"> Without FSCS, Linda Aldred would not have done an</a> <a title="FSCS Annual Report 2013/14 page 27" href="http://viewer.zmags.com/publication/35861166?page=27"> Section 5: Responding to Consumers 27 We rece</a> <a title="FSCS Annual Report 2013/14 page 28" href="http://viewer.zmags.com/publication/35861166?page=28"> Persistence paid off for couple mis-sold an inves</a> <a title="FSCS Annual Report 2013/14 page 29" href="http://viewer.zmags.com/publication/35861166?page=29"> Section 5: Responding to Consumers 29 </a> <a title="FSCS Annual Report 2013/14 page 30" href="http://viewer.zmags.com/publication/35861166?page=30"> 30 FSCS Annual Report and Accounts 2013/14 C</a> <a title="FSCS Annual Report 2013/14 page 31" href="http://viewer.zmags.com/publication/35861166?page=31"> Two complaints were referred to the Independent I</a> <a title="FSCS Annual Report 2013/14 page 32" href="http://viewer.zmags.com/publication/35861166?page=32"> 32 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 33" href="http://viewer.zmags.com/publication/35861166?page=33"> Section 5: Responding to Consumers 33 </a> <a title="FSCS Annual Report 2013/14 page 34" href="http://viewer.zmags.com/publication/35861166?page=34"> 34 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 35" href="http://viewer.zmags.com/publication/35861166?page=35"> Section 5: Responding to Consumers 35 Can we</a> <a title="FSCS Annual Report 2013/14 page 36" href="http://viewer.zmags.com/publication/35861166?page=36"> 36 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 37" href="http://viewer.zmags.com/publication/35861166?page=37"> Section 5: Responding to Consumers 37 </a> <a title="FSCS Annual Report 2013/14 page 38" href="http://viewer.zmags.com/publication/35861166?page=38"> 38 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 39" href="http://viewer.zmags.com/publication/35861166?page=39"> Compensation maintains confidence</a> <a title="FSCS Annual Report 2013/14 page 40" href="http://viewer.zmags.com/publication/35861166?page=40"> We aim to raise public awareness of the protectio</a> <a title="FSCS Annual Report 2013/14 page 41" href="http://viewer.zmags.com/publication/35861166?page=41"> 41 Section 6 Raising Awareness of FSCS By wor</a> <a title="FSCS Annual Report 2013/14 page 42" href="http://viewer.zmags.com/publication/35861166?page=42"> 42 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 43" href="http://viewer.zmags.com/publication/35861166?page=43"> Section 6: Raising Awareness of FSCS 43 ‘ We kn</a> <a title="FSCS Annual Report 2013/14 page 44" href="http://viewer.zmags.com/publication/35861166?page=44"> 44 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 45" href="http://viewer.zmags.com/publication/35861166?page=45"> Section 6: Raising Awareness of FSCS 45 </a> <a title="FSCS Annual Report 2013/14 page 46" href="http://viewer.zmags.com/publication/35861166?page=46"> We aim to ensure that FSCS operates as cost-effic</a> <a title="FSCS Annual Report 2013/14 page 47" href="http://viewer.zmags.com/publication/35861166?page=47"> 47 Section 7 FSCS Finances: Compensation, Runn</a> <a title="FSCS Annual Report 2013/14 page 48" href="http://viewer.zmags.com/publication/35861166?page=48"> 48 FSCS Annual Report and Accounts 2013/14 £10m</a> <a title="FSCS Annual Report 2013/14 page 49" href="http://viewer.zmags.com/publication/35861166?page=49"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 50" href="http://viewer.zmags.com/publication/35861166?page=50"> 50 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 51" href="http://viewer.zmags.com/publication/35861166?page=51"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 52" href="http://viewer.zmags.com/publication/35861166?page=52"> 52 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 53" href="http://viewer.zmags.com/publication/35861166?page=53"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 54" href="http://viewer.zmags.com/publication/35861166?page=54"> 54 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 55" href="http://viewer.zmags.com/publication/35861166?page=55"> “I thought I had lost it all.”</a> <a title="FSCS Annual Report 2013/14 page 56" href="http://viewer.zmags.com/publication/35861166?page=56"> 56 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 57" href="http://viewer.zmags.com/publication/35861166?page=57"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 58" href="http://viewer.zmags.com/publication/35861166?page=58"> 58 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 59" href="http://viewer.zmags.com/publication/35861166?page=59"> Update on Lifemark SA recoveries</a> <a title="FSCS Annual Report 2013/14 page 60" href="http://viewer.zmags.com/publication/35861166?page=60"> 60 FSCS Annual Report and Accounts 2013/14 ‘ </a> <a title="FSCS Annual Report 2013/14 page 61" href="http://viewer.zmags.com/publication/35861166?page=61"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 62" href="http://viewer.zmags.com/publication/35861166?page=62"> 62 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 63" href="http://viewer.zmags.com/publication/35861166?page=63"> Section 7: FSCS Finances: Compensation, Running C</a> <a title="FSCS Annual Report 2013/14 page 64" href="http://viewer.zmags.com/publication/35861166?page=64"> 64 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 65" href="http://viewer.zmags.com/publication/35861166?page=65"> Nowhere to turn if FSCS did not exist</a> <a title="FSCS Annual Report 2013/14 page 66" href="http://viewer.zmags.com/publication/35861166?page=66"> We aim to be ready to respond to failures in the </a> <a title="FSCS Annual Report 2013/14 page 67" href="http://viewer.zmags.com/publication/35861166?page=67"> 67 Section 8 Enhancing FSCS Capabilities We mu</a> <a title="FSCS Annual Report 2013/14 page 68" href="http://viewer.zmags.com/publication/35861166?page=68"> 68 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 69" href="http://viewer.zmags.com/publication/35861166?page=69"> Section 8: Enhancing FSCS Capabilities 69 </a> <a title="FSCS Annual Report 2013/14 page 70" href="http://viewer.zmags.com/publication/35861166?page=70"> 70 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 71" href="http://viewer.zmags.com/publication/35861166?page=71"> Section 8: Enhancing FSCS Capabilities 71 </a> <a title="FSCS Annual Report 2013/14 page 72" href="http://viewer.zmags.com/publication/35861166?page=72"> 72 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 73" href="http://viewer.zmags.com/publication/35861166?page=73"> Section 8: Enhancing FSCS Capabilities 73 </a> <a title="FSCS Annual Report 2013/14 page 74" href="http://viewer.zmags.com/publication/35861166?page=74"> 74 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 75" href="http://viewer.zmags.com/publication/35861166?page=75"> Section 8: Enhancing FSCS Capabilities 75 </a> <a title="FSCS Annual Report 2013/14 page 76" href="http://viewer.zmags.com/publication/35861166?page=76"> We aim to enhance our capability by developing th</a> <a title="FSCS Annual Report 2013/14 page 77" href="http://viewer.zmags.com/publication/35861166?page=77"> 77 Section 9 Developing Our People Last year w</a> <a title="FSCS Annual Report 2013/14 page 78" href="http://viewer.zmags.com/publication/35861166?page=78"> 78 FSCS Annual Report and Accounts 2013/14 FS</a> <a title="FSCS Annual Report 2013/14 page 79" href="http://viewer.zmags.com/publication/35861166?page=79"> Section 9: Developing Our People 79 </a> <a title="FSCS Annual Report 2013/14 page 80" href="http://viewer.zmags.com/publication/35861166?page=80"> 80 FSCS Annual Report and Accounts 2013/14 Over</a> <a title="FSCS Annual Report 2013/14 page 81" href="http://viewer.zmags.com/publication/35861166?page=81"> Section 9: Developing Our People 81 </a> <a title="FSCS Annual Report 2013/14 page 82" href="http://viewer.zmags.com/publication/35861166?page=82"> 82 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 83" href="http://viewer.zmags.com/publication/35861166?page=83"> Section 9: Developing Our People 83 ‘ </a> <a title="FSCS Annual Report 2013/14 page 84" href="http://viewer.zmags.com/publication/35861166?page=84"> 84 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 85" href="http://viewer.zmags.com/publication/35861166?page=85"> Section 9: Developing Our People 85 Work</a> <a title="FSCS Annual Report 2013/14 page 86" href="http://viewer.zmags.com/publication/35861166?page=86"> We are committed to high standards of corporate g</a> <a title="FSCS Annual Report 2013/14 page 87" href="http://viewer.zmags.com/publication/35861166?page=87"> 87 Section 10 Our Governance FSCS is a non-pro</a> <a title="FSCS Annual Report 2013/14 page 88" href="http://viewer.zmags.com/publication/35861166?page=88"> 88 FSCS Annual Report and Accounts 2013/14 ‘ </a> <a title="FSCS Annual Report 2013/14 page 89" href="http://viewer.zmags.com/publication/35861166?page=89"> Section 10: Our Governance 89 Th</a> <a title="FSCS Annual Report 2013/14 page 90" href="http://viewer.zmags.com/publication/35861166?page=90"> 90 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 91" href="http://viewer.zmags.com/publication/35861166?page=91"> Section 10: Our Governance 91 Co</a> <a title="FSCS Annual Report 2013/14 page 92" href="http://viewer.zmags.com/publication/35861166?page=92"> 92 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 93" href="http://viewer.zmags.com/publication/35861166?page=93"> Section 10: Our Governance 93 an</a> <a title="FSCS Annual Report 2013/14 page 94" href="http://viewer.zmags.com/publication/35861166?page=94"> 94 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 95" href="http://viewer.zmags.com/publication/35861166?page=95"> Section 10: Our Governance 95 Th</a> <a title="FSCS Annual Report 2013/14 page 96" href="http://viewer.zmags.com/publication/35861166?page=96"> 96 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 97" href="http://viewer.zmags.com/publication/35861166?page=97"> Section 10: Our Governance 97 Co</a> <a title="FSCS Annual Report 2013/14 page 98" href="http://viewer.zmags.com/publication/35861166?page=98"> 98 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 99" href="http://viewer.zmags.com/publication/35861166?page=99"> Section 10: Our Governance 99 </a> <a title="FSCS Annual Report 2013/14 page 100" href="http://viewer.zmags.com/publication/35861166?page=100"> 100 FSCS Annual Report and Accounts 2013/14 F</a> <a title="FSCS Annual Report 2013/14 page 101" href="http://viewer.zmags.com/publication/35861166?page=101"> Section 10: Our Governance 101 D</a> <a title="FSCS Annual Report 2013/14 page 102" href="http://viewer.zmags.com/publication/35861166?page=102"> 102 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 103" href="http://viewer.zmags.com/publication/35861166?page=103"> Section 10: Our Governance 103 </a> <a title="FSCS Annual Report 2013/14 page 104" href="http://viewer.zmags.com/publication/35861166?page=104"> 104 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 105" href="http://viewer.zmags.com/publication/35861166?page=105"> Section 10: Our Governance 105 </a> <a title="FSCS Annual Report 2013/14 page 106" href="http://viewer.zmags.com/publication/35861166?page=106"> 106 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 107" href="http://viewer.zmags.com/publication/35861166?page=107"> Section 10: Our Governance 107 Ris</a> <a title="FSCS Annual Report 2013/14 page 108" href="http://viewer.zmags.com/publication/35861166?page=108"> 108 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 109" href="http://viewer.zmags.com/publication/35861166?page=109"> Section 10: Our Governance 109 </a> <a title="FSCS Annual Report 2013/14 page 110" href="http://viewer.zmags.com/publication/35861166?page=110"> 110 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 111" href="http://viewer.zmags.com/publication/35861166?page=111"> Section 10: Our Governance 111 Name</a> <a title="FSCS Annual Report 2013/14 page 112" href="http://viewer.zmags.com/publication/35861166?page=112"> Directors’ Report and Accounts for the year ended</a> <a title="FSCS Annual Report 2013/14 page 113" href="http://viewer.zmags.com/publication/35861166?page=113"> 113 Section 11 Strategic Report The directors </a> <a title="FSCS Annual Report 2013/14 page 114" href="http://viewer.zmags.com/publication/35861166?page=114"> 114 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 115" href="http://viewer.zmags.com/publication/35861166?page=115"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 116" href="http://viewer.zmags.com/publication/35861166?page=116"> 116 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 117" href="http://viewer.zmags.com/publication/35861166?page=117"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 118" href="http://viewer.zmags.com/publication/35861166?page=118"> 118 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 119" href="http://viewer.zmags.com/publication/35861166?page=119"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 120" href="http://viewer.zmags.com/publication/35861166?page=120"> 120 FSCS Annual Report and Accounts 2013/14 T</a> <a title="FSCS Annual Report 2013/14 page 121" href="http://viewer.zmags.com/publication/35861166?page=121"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 122" href="http://viewer.zmags.com/publication/35861166?page=122"> 122 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 123" href="http://viewer.zmags.com/publication/35861166?page=123"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 124" href="http://viewer.zmags.com/publication/35861166?page=124"> 124 FSCS Annual Report and Accounts 2013/14 F</a> <a title="FSCS Annual Report 2013/14 page 125" href="http://viewer.zmags.com/publication/35861166?page=125"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 126" href="http://viewer.zmags.com/publication/35861166?page=126"> 126 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 127" href="http://viewer.zmags.com/publication/35861166?page=127"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 128" href="http://viewer.zmags.com/publication/35861166?page=128"> 128 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 129" href="http://viewer.zmags.com/publication/35861166?page=129"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 130" href="http://viewer.zmags.com/publication/35861166?page=130"> 130 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 131" href="http://viewer.zmags.com/publication/35861166?page=131"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 132" href="http://viewer.zmags.com/publication/35861166?page=132"> 132 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 133" href="http://viewer.zmags.com/publication/35861166?page=133"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 134" href="http://viewer.zmags.com/publication/35861166?page=134"> 134 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 135" href="http://viewer.zmags.com/publication/35861166?page=135"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 136" href="http://viewer.zmags.com/publication/35861166?page=136"> 136 FSCS Annual Report and Accounts 2013/14 N</a> <a title="FSCS Annual Report 2013/14 page 137" href="http://viewer.zmags.com/publication/35861166?page=137"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 138" href="http://viewer.zmags.com/publication/35861166?page=138"> 138 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 139" href="http://viewer.zmags.com/publication/35861166?page=139"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 140" href="http://viewer.zmags.com/publication/35861166?page=140"> 140 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 141" href="http://viewer.zmags.com/publication/35861166?page=141"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 142" href="http://viewer.zmags.com/publication/35861166?page=142"> 142 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 143" href="http://viewer.zmags.com/publication/35861166?page=143"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 144" href="http://viewer.zmags.com/publication/35861166?page=144"> 144 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 145" href="http://viewer.zmags.com/publication/35861166?page=145"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 146" href="http://viewer.zmags.com/publication/35861166?page=146"> 146 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 147" href="http://viewer.zmags.com/publication/35861166?page=147"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 148" href="http://viewer.zmags.com/publication/35861166?page=148"> 148 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 149" href="http://viewer.zmags.com/publication/35861166?page=149"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 150" href="http://viewer.zmags.com/publication/35861166?page=150"> 150 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 151" href="http://viewer.zmags.com/publication/35861166?page=151"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 152" href="http://viewer.zmags.com/publication/35861166?page=152"> 152 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 153" href="http://viewer.zmags.com/publication/35861166?page=153"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 154" href="http://viewer.zmags.com/publication/35861166?page=154"> 154 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 155" href="http://viewer.zmags.com/publication/35861166?page=155"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 156" href="http://viewer.zmags.com/publication/35861166?page=156"> 156 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 157" href="http://viewer.zmags.com/publication/35861166?page=157"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 158" href="http://viewer.zmags.com/publication/35861166?page=158"> 158 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 159" href="http://viewer.zmags.com/publication/35861166?page=159"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 160" href="http://viewer.zmags.com/publication/35861166?page=160"> 160 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 161" href="http://viewer.zmags.com/publication/35861166?page=161"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 162" href="http://viewer.zmags.com/publication/35861166?page=162"> 162 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 163" href="http://viewer.zmags.com/publication/35861166?page=163"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 164" href="http://viewer.zmags.com/publication/35861166?page=164"> 164 FSCS Annual Report and Accounts 2013/14 </a> <a title="FSCS Annual Report 2013/14 page 165" href="http://viewer.zmags.com/publication/35861166?page=165"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 166" href="http://viewer.zmags.com/publication/35861166?page=166"> 166 FSCS Annual Report and Accounts 2013/14 F</a> <a title="FSCS Annual Report 2013/14 page 167" href="http://viewer.zmags.com/publication/35861166?page=167"> Section 11: Directors’ Report and Accounts for th</a> <a title="FSCS Annual Report 2013/14 page 168" href="http://viewer.zmags.com/publication/35861166?page=168"> 168 FSCS Annual Report and Accounts 2013/14 F</a> <a title="FSCS Annual Report 2013/14 page 169" 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href="http://viewer.zmags.com/publication/35861166?page=181"> How to contact us By phone on: 0800 678 1100 </a> <a title="FSCS Annual Report 2013/14 page 182" href="http://viewer.zmags.com/publication/35861166?page=182"> </a> <a title="FSCS Annual Report 2013/14 page 183" href="http://viewer.zmags.com/publication/35861166?page=183"> </a> <a title="FSCS Annual Report 2013/14 page 184" href="http://viewer.zmags.com/publication/35861166?page=184"> Design: Rob Levison </a>