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<br /> Financial Services Compensation Scheme<br /> Annual Report and Accounts<br /> 2015/16<br /> <br /> Financial Services Compensation Scheme<br /> Annual Report and Accounts 2015/16<br /> Presented to Parliament<br /> by the Economic Secretary to the Treasury<br /> by Command of Her Majesty<br /> July 2016<br /> CM 9281<br /> © Financial Services Compensation Scheme 2016<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 publication should be sent to us at enquiries@fscs.org.u<a title="FSCS Annual Report and Accounts 2015/16 page 1" href="http://viewer.zmags.com/publication/522da02d?page=1"> Financial Services Compensation Scheme Annual Rep</a> <a title="FSCS Annual Report and Accounts 2015/16 page 2" href="http://viewer.zmags.com/publication/522da02d?page=2"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 3" href="http://viewer.zmags.com/publication/522da02d?page=3"> Financial Services Compensation Scheme Annual Rep</a> <a title="FSCS Annual Report and Accounts 2015/16 page 4" href="http://viewer.zmags.com/publication/522da02d?page=4"> © Financial Services Compensation Scheme 2016 The</a> <a title="FSCS Annual Report and Accounts 2015/16 page 5" href="http://viewer.zmags.com/publication/522da02d?page=5"> 5 Contents 01 Mission and Role, The Year </a> <a title="FSCS Annual Report and Accounts 2015/16 page 6" href="http://viewer.zmags.com/publication/522da02d?page=6"> 6 FSCS Annual Report and Accounts 2015/16 M</a> <a title="FSCS Annual Report and Accounts 2015/16 page 7" href="http://viewer.zmags.com/publication/522da02d?page=7"> 46,896 We received 46,896 new claims during 2015/</a> <a title="FSCS Annual Report and Accounts 2015/16 page 8" href="http://viewer.zmags.com/publication/522da02d?page=8"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 9" href="http://viewer.zmags.com/publication/522da02d?page=9"> Section 2: Chairman’s Statement 9 Section 2 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 10" href="http://viewer.zmags.com/publication/522da02d?page=10"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 11" href="http://viewer.zmags.com/publication/522da02d?page=11"> Section 2: Chief Executive’s Report 11 Chi</a> <a title="FSCS Annual Report and Accounts 2015/16 page 12" href="http://viewer.zmags.com/publication/522da02d?page=12"> 12 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 13" href="http://viewer.zmags.com/publication/522da02d?page=13"> Section 2: Chief Executive’s Report 13 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 14" href="http://viewer.zmags.com/publication/522da02d?page=14"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 15" href="http://viewer.zmags.com/publication/522da02d?page=15"> Section 3: Strategy 15 Section 3 Strategy </a> <a title="FSCS Annual Report and Accounts 2015/16 page 16" href="http://viewer.zmags.com/publication/522da02d?page=16"> 16 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 17" href="http://viewer.zmags.com/publication/522da02d?page=17"> Section 3: Strategy 17 • the cla</a> <a title="FSCS Annual Report and Accounts 2015/16 page 18" href="http://viewer.zmags.com/publication/522da02d?page=18"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 19" href="http://viewer.zmags.com/publication/522da02d?page=19"> Section 4: Performance 19 Section 4 Performa</a> <a title="FSCS Annual Report and Accounts 2015/16 page 20" href="http://viewer.zmags.com/publication/522da02d?page=20"> Compensation payments by class Funding class </a> <a title="FSCS Annual Report and Accounts 2015/16 page 21" href="http://viewer.zmags.com/publication/522da02d?page=21"> Section 4: Performance 21 Claims</a> <a title="FSCS Annual Report and Accounts 2015/16 page 22" href="http://viewer.zmags.com/publication/522da02d?page=22"> Modernising our service </a> <a title="FSCS Annual Report and Accounts 2015/16 page 23" href="http://viewer.zmags.com/publication/522da02d?page=23"> Section 4: Performance 23 Mix of</a> <a title="FSCS Annual Report and Accounts 2015/16 page 24" href="http://viewer.zmags.com/publication/522da02d?page=24"> 24 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 25" href="http://viewer.zmags.com/publication/522da02d?page=25"> Case study Alpari: an innovative approach </a> <a title="FSCS Annual Report and Accounts 2015/16 page 26" href="http://viewer.zmags.com/publication/522da02d?page=26"> 26 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 27" href="http://viewer.zmags.com/publication/522da02d?page=27"> Section 4: Performance 27 Custome</a> <a title="FSCS Annual Report and Accounts 2015/16 page 28" href="http://viewer.zmags.com/publication/522da02d?page=28"> 28 FSCS Annual Report and Accounts 2015/16 Ho</a> <a title="FSCS Annual Report and Accounts 2015/16 page 29" href="http://viewer.zmags.com/publication/522da02d?page=29"> Independent Investigator report </a> <a title="FSCS Annual Report and Accounts 2015/16 page 30" href="http://viewer.zmags.com/publication/522da02d?page=30"> 30 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 31" href="http://viewer.zmags.com/publication/522da02d?page=31"> Case study Mr Mike Ryan Caterham, Surrey </a> <a title="FSCS Annual Report and Accounts 2015/16 page 32" href="http://viewer.zmags.com/publication/522da02d?page=32"> 32 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 33" href="http://viewer.zmags.com/publication/522da02d?page=33"> R a t 33 25m eaching 92% of our target udie</a> <a title="FSCS Annual Report and Accounts 2015/16 page 34" href="http://viewer.zmags.com/publication/522da02d?page=34"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 35" href="http://viewer.zmags.com/publication/522da02d?page=35"> Section 5: Levy Payers and Stakeholders 35 Se</a> <a title="FSCS Annual Report and Accounts 2015/16 page 36" href="http://viewer.zmags.com/publication/522da02d?page=36"> It is extremely important that consumers understa</a> <a title="FSCS Annual Report and Accounts 2015/16 page 37" href="http://viewer.zmags.com/publication/522da02d?page=37"> Section 5: Levy Payers and Stakeholders 37 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 38" href="http://viewer.zmags.com/publication/522da02d?page=38"> Value for money Value for money (VFM) is one of </a> <a title="FSCS Annual Report and Accounts 2015/16 page 39" href="http://viewer.zmags.com/publication/522da02d?page=39"> Section 5: Levy Payers and Stakeholders 39 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 40" href="http://viewer.zmags.com/publication/522da02d?page=40"> 40 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 41" href="http://viewer.zmags.com/publication/522da02d?page=41"> Section 5: Levy Payers and Stakeholders 41 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 42" href="http://viewer.zmags.com/publication/522da02d?page=42"> 42 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 43" href="http://viewer.zmags.com/publication/522da02d?page=43"> Icesave In January 2016, FSCS received a final £7</a> <a title="FSCS Annual Report and Accounts 2015/16 page 44" href="http://viewer.zmags.com/publication/522da02d?page=44"> 44 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 45" href="http://viewer.zmags.com/publication/522da02d?page=45"> Section 5: Levy Payers and Stakeholders 45 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 46" href="http://viewer.zmags.com/publication/522da02d?page=46"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 47" href="http://viewer.zmags.com/publication/522da02d?page=47"> Section 6: Preparedness for the Future 47 Sec</a> <a title="FSCS Annual Report and Accounts 2015/16 page 48" href="http://viewer.zmags.com/publication/522da02d?page=48"> Lessons learned from Connect Connect was a major </a> <a title="FSCS Annual Report and Accounts 2015/16 page 49" href="http://viewer.zmags.com/publication/522da02d?page=49"> Section 6: Preparedness for the Future 49 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 50" href="http://viewer.zmags.com/publication/522da02d?page=50"> 50 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 51" href="http://viewer.zmags.com/publication/522da02d?page=51"> The FAMR stated it is important to establish the </a> <a title="FSCS Annual Report and Accounts 2015/16 page 52" href="http://viewer.zmags.com/publication/522da02d?page=52"> To assist smaller deposit takers to understand th</a> <a title="FSCS Annual Report and Accounts 2015/16 page 53" href="http://viewer.zmags.com/publication/522da02d?page=53"> Section 6: Preparedness for the Future 53</a> <a title="FSCS Annual Report and Accounts 2015/16 page 54" href="http://viewer.zmags.com/publication/522da02d?page=54"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 55" href="http://viewer.zmags.com/publication/522da02d?page=55"> Section 7: Engaging our People 55 Section 7 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 56" href="http://viewer.zmags.com/publication/522da02d?page=56"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 57" href="http://viewer.zmags.com/publication/522da02d?page=57"> Section 8: Governance Report 57 Section 8 Go</a> <a title="FSCS Annual Report and Accounts 2015/16 page 58" href="http://viewer.zmags.com/publication/522da02d?page=58"> 58 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 59" href="http://viewer.zmags.com/publication/522da02d?page=59"> based on merit, measured against objective criter</a> <a title="FSCS Annual Report and Accounts 2015/16 page 60" href="http://viewer.zmags.com/publication/522da02d?page=60"> and organisational issues, and, in addition to th</a> <a title="FSCS Annual Report and Accounts 2015/16 page 61" href="http://viewer.zmags.com/publication/522da02d?page=61"> Section 8: Governance Report 61 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 62" href="http://viewer.zmags.com/publication/522da02d?page=62"> 62 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 63" href="http://viewer.zmags.com/publication/522da02d?page=63"> of FSCS’s aims (this is considered at each </a> <a title="FSCS Annual Report and Accounts 2015/16 page 64" href="http://viewer.zmags.com/publication/522da02d?page=64"> 4. Nomination and Governance Committee The Co</a> <a title="FSCS Annual Report and Accounts 2015/16 page 65" href="http://viewer.zmags.com/publication/522da02d?page=65"> Section 8: Governance Report 65 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 66" href="http://viewer.zmags.com/publication/522da02d?page=66"> 66 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 67" href="http://viewer.zmags.com/publication/522da02d?page=67"> The internal control framework has been in place </a> <a title="FSCS Annual Report and Accounts 2015/16 page 68" href="http://viewer.zmags.com/publication/522da02d?page=68"> 4. The Head of Internal Audit, who normally atten</a> <a title="FSCS Annual Report and Accounts 2015/16 page 69" href="http://viewer.zmags.com/publication/522da02d?page=69"> Section 8: Governance Report 69 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 70" href="http://viewer.zmags.com/publication/522da02d?page=70"> 70 FSCS Annual Report and Accounts 2015/16 T</a> <a title="FSCS Annual Report and Accounts 2015/16 page 71" href="http://viewer.zmags.com/publication/522da02d?page=71"> Section 8: Governance Report 71 Non-</a> <a title="FSCS Annual Report and Accounts 2015/16 page 72" href="http://viewer.zmags.com/publication/522da02d?page=72"> 72 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 73" href="http://viewer.zmags.com/publication/522da02d?page=73"> Section 8: Governance Report 73 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 74" href="http://viewer.zmags.com/publication/522da02d?page=74"> 74 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 75" href="http://viewer.zmags.com/publication/522da02d?page=75"> Section 8: Governance Report 75 Notes: 1 The</a> <a title="FSCS Annual Report and Accounts 2015/16 page 76" href="http://viewer.zmags.com/publication/522da02d?page=76"> Highest paid director Audited with the notes to t</a> <a title="FSCS Annual Report and Accounts 2015/16 page 77" href="http://viewer.zmags.com/publication/522da02d?page=77"> Section 8: Governance Report 77 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 78" href="http://viewer.zmags.com/publication/522da02d?page=78"> 78 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 79" href="http://viewer.zmags.com/publication/522da02d?page=79"> Section 8: Governance Report 79 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 80" href="http://viewer.zmags.com/publication/522da02d?page=80"> </a> <a title="FSCS Annual Report and Accounts 2015/16 page 81" href="http://viewer.zmags.com/publication/522da02d?page=81"> Section 9: Strategic Report 81 Section 9 Str</a> <a title="FSCS Annual Report and Accounts 2015/16 page 82" href="http://viewer.zmags.com/publication/522da02d?page=82"> 82 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 83" href="http://viewer.zmags.com/publication/522da02d?page=83"> Section 9: Strategic Report 83 W</a> <a title="FSCS Annual Report and Accounts 2015/16 page 84" href="http://viewer.zmags.com/publication/522da02d?page=84"> 84 FSCS Annual Report and Accounts 2015/16 Di</a> <a title="FSCS Annual Report and Accounts 2015/16 page 85" href="http://viewer.zmags.com/publication/522da02d?page=85"> Section 9: Directors’ Report 85 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 86" href="http://viewer.zmags.com/publication/522da02d?page=86"> 86 FSCS Annual Report and Accounts 2015/16 Th</a> <a title="FSCS Annual Report and Accounts 2015/16 page 87" href="http://viewer.zmags.com/publication/522da02d?page=87"> Section 9: Auditor Report 87 Risk My </a> <a title="FSCS Annual Report and Accounts 2015/16 page 88" href="http://viewer.zmags.com/publication/522da02d?page=88"> 88 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 89" href="http://viewer.zmags.com/publication/522da02d?page=89"> Section 9: Auditor Report 89 Risk My </a> <a title="FSCS Annual Report and Accounts 2015/16 page 90" href="http://viewer.zmags.com/publication/522da02d?page=90"> 90 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 91" href="http://viewer.zmags.com/publication/522da02d?page=91"> Section 9: Auditor Report 91 The director</a> <a title="FSCS Annual Report and Accounts 2015/16 page 92" href="http://viewer.zmags.com/publication/522da02d?page=92"> 92 FSCS Annual Report and Accounts 2015/16 Fi</a> <a title="FSCS Annual Report and Accounts 2015/16 page 93" href="http://viewer.zmags.com/publication/522da02d?page=93"> Section 9: Financial statements 93 Statem</a> <a title="FSCS Annual Report and Accounts 2015/16 page 94" href="http://viewer.zmags.com/publication/522da02d?page=94"> 94 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 95" href="http://viewer.zmags.com/publication/522da02d?page=95"> Section 9: Notes to the financial statements 95 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 96" href="http://viewer.zmags.com/publication/522da02d?page=96"> 96 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 97" href="http://viewer.zmags.com/publication/522da02d?page=97"> Section 9: Notes to the Financial statements 97 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 98" href="http://viewer.zmags.com/publication/522da02d?page=98"> 98 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 99" href="http://viewer.zmags.com/publication/522da02d?page=99"> Section 9: Notes to the financial statements 99 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 100" href="http://viewer.zmags.com/publication/522da02d?page=100"> 100 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 101" href="http://viewer.zmags.com/publication/522da02d?page=101"> Section 9: Notes to the financial statements 101</a> <a title="FSCS Annual Report and Accounts 2015/16 page 102" href="http://viewer.zmags.com/publication/522da02d?page=102"> 102 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 103" href="http://viewer.zmags.com/publication/522da02d?page=103"> Section 9: Notes to the financial statements 103</a> <a title="FSCS Annual Report and Accounts 2015/16 page 104" href="http://viewer.zmags.com/publication/522da02d?page=104"> 104 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 105" href="http://viewer.zmags.com/publication/522da02d?page=105"> Section 9: Notes to the financial statements 105</a> <a title="FSCS Annual Report and Accounts 2015/16 page 106" href="http://viewer.zmags.com/publication/522da02d?page=106"> 106 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 107" href="http://viewer.zmags.com/publication/522da02d?page=107"> Section 9: Notes to the financial statements 107</a> <a title="FSCS Annual Report and Accounts 2015/16 page 108" href="http://viewer.zmags.com/publication/522da02d?page=108"> 108 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 109" href="http://viewer.zmags.com/publication/522da02d?page=109"> Section 9: Notes to the financial statements 109</a> <a title="FSCS Annual Report and Accounts 2015/16 page 110" href="http://viewer.zmags.com/publication/522da02d?page=110"> 110 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 111" href="http://viewer.zmags.com/publication/522da02d?page=111"> Section 9: Notes to the financial statements 111</a> <a title="FSCS Annual Report and Accounts 2015/16 page 112" href="http://viewer.zmags.com/publication/522da02d?page=112"> 112 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 113" href="http://viewer.zmags.com/publication/522da02d?page=113"> Section 9: Notes to the financial statements 113</a> <a title="FSCS Annual Report and Accounts 2015/16 page 114" href="http://viewer.zmags.com/publication/522da02d?page=114"> 114 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 115" href="http://viewer.zmags.com/publication/522da02d?page=115"> Section 9: Notes to the financial statements 115</a> <a title="FSCS Annual Report and Accounts 2015/16 page 116" href="http://viewer.zmags.com/publication/522da02d?page=116"> 116 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 117" href="http://viewer.zmags.com/publication/522da02d?page=117"> Section 9: Notes to the financial statements 117</a> <a title="FSCS Annual Report and Accounts 2015/16 page 118" href="http://viewer.zmags.com/publication/522da02d?page=118"> 118 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 119" href="http://viewer.zmags.com/publication/522da02d?page=119"> Section 9: Notes to the financial statements 119</a> <a title="FSCS Annual Report and Accounts 2015/16 page 120" href="http://viewer.zmags.com/publication/522da02d?page=120"> 120 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 121" href="http://viewer.zmags.com/publication/522da02d?page=121"> Section 9: Notes to the financial statements 121</a> <a title="FSCS Annual Report and Accounts 2015/16 page 122" href="http://viewer.zmags.com/publication/522da02d?page=122"> 122 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 123" href="http://viewer.zmags.com/publication/522da02d?page=123"> Section 9: Notes to the financial statements 123</a> <a title="FSCS Annual Report and Accounts 2015/16 page 124" href="http://viewer.zmags.com/publication/522da02d?page=124"> 124 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 125" href="http://viewer.zmags.com/publication/522da02d?page=125"> Section 9: Notes to the financial statements 125</a> <a title="FSCS Annual Report and Accounts 2015/16 page 126" href="http://viewer.zmags.com/publication/522da02d?page=126"> 126 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 127" href="http://viewer.zmags.com/publication/522da02d?page=127"> Section 9: Notes to the financial statements 127</a> <a title="FSCS Annual Report and Accounts 2015/16 page 128" href="http://viewer.zmags.com/publication/522da02d?page=128"> 128 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 129" href="http://viewer.zmags.com/publication/522da02d?page=129"> Section 9: Classes statements 129 Report </a> <a title="FSCS Annual Report and Accounts 2015/16 page 130" href="http://viewer.zmags.com/publication/522da02d?page=130"> 130 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 131" href="http://viewer.zmags.com/publication/522da02d?page=131"> Section 9: Classes statements 131</a> <a title="FSCS Annual Report and Accounts 2015/16 page 132" href="http://viewer.zmags.com/publication/522da02d?page=132"> 132 FSCS Annual Report and Accounts 2015/16 F</a> <a title="FSCS Annual Report and Accounts 2015/16 page 133" href="http://viewer.zmags.com/publication/522da02d?page=133"> Section 9: Classes statements 133 General</a> <a title="FSCS Annual Report and Accounts 2015/16 page 134" href="http://viewer.zmags.com/publication/522da02d?page=134"> 134 FSCS Annual Report and Accounts 2015/16 F</a> <a title="FSCS Annual Report and Accounts 2015/16 page 135" href="http://viewer.zmags.com/publication/522da02d?page=135"> Section 9: Classes statements 135 General</a> <a title="FSCS Annual Report and Accounts 2015/16 page 136" href="http://viewer.zmags.com/publication/522da02d?page=136"> 136 FSCS Annual Report and Accounts 2015/16 F</a> <a title="FSCS Annual Report and Accounts 2015/16 page 137" href="http://viewer.zmags.com/publication/522da02d?page=137"> Section 9: Classes statements 137 Society</a> <a title="FSCS Annual Report and Accounts 2015/16 page 138" href="http://viewer.zmags.com/publication/522da02d?page=138"> 138 FSCS Annual Report and Accounts 2015/16 F</a> <a title="FSCS Annual Report and Accounts 2015/16 page 139" href="http://viewer.zmags.com/publication/522da02d?page=139"> Section 9: Classes statements 139 e) Inte</a> <a title="FSCS Annual Report and Accounts 2015/16 page 140" href="http://viewer.zmags.com/publication/522da02d?page=140"> 140 FSCS Annual Report and Accounts 2015/16 </a> <a title="FSCS Annual Report and Accounts 2015/16 page 141" href="http://viewer.zmags.com/publication/522da02d?page=141"> Section 9: Classes statements 141 5 Welco</a> <a title="FSCS Annual Report and Accounts 2015/16 page 142" href="http://viewer.zmags.com/publication/522da02d?page=142"> By phone on: 0800 678 1100 or 020 7741 4100 Lines</a>