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SFS<br />
SCOTTISH FINANCIAL<br />
SERVICES YEARBOOK<br />
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NOVEMBER<br />
A WHO'S WHO OF SCOTLAND'S<br />
FINANCIAL SERVICES INDUSTRY<br />
www.sfsyearbook.com<br />
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INTRODUCING<br />
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AN INDEPENDENT GUIDE<br />
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THE CREDIT CARD:<br />
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The<br />
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The Scottish Financial Services Yearbook is an independently owned<br />
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Pub<a title="SFS Yearbook 2009-2010 page 1" href="http://viewer.zmags.com/publication/794602a2?page=1">SFSSCOTTISH FINANCIALSERVICES YEARBOOKN</a> SFSSCOTTISH FINANCIALSERVICES YEARBOOKN<a title="SFS Yearbook 2009-2010 page 2" href="http://viewer.zmags.com/publication/794602a2?page=2"></a> <a title="SFS Yearbook 2009-2010 page 3" href="http://viewer.zmags.com/publication/794602a2?page=3">THE CREDIT CARD:TheCredit Card:The Scottis</a> THE CREDIT CARD:TheCredit Card:The Scottis<a title="SFS Yearbook 2009-2010 page 4" href="http://viewer.zmags.com/publication/794602a2?page=4">“Welcome to the 2009 edition of the SFS </a> “Welcome to the 2009 edition of the SFS <a title="SFS Yearbook 2009-2010 page 5" href="http://viewer.zmags.com/publication/794602a2?page=5">Putting clients Ïrsthas made us Ïrst.Voted “Bes</a> Putting clients Ïrsthas made us Ïrst.Voted “Bes<a title="SFS Yearbook 2009-2010 page 6" href="http://viewer.zmags.com/publication/794602a2?page=6">TheStatement:T he last twelve months have seen </a> TheStatement:T he last twelve months have seen <a title="SFS Yearbook 2009-2010 page 7" href="http://viewer.zmags.com/publication/794602a2?page=7">Another key strength is the collaborative work th</a> Another key strength is the collaborative work th<a title="SFS Yearbook 2009-2010 page 8" href="http://viewer.zmags.com/publication/794602a2?page=8">THE PORTFOLIO:The </a> THE PORTFOLIO:The <a title="SFS Yearbook 2009-2010 page 9" href="http://viewer.zmags.com/publication/794602a2?page=9">BANKS24Adam & Company plc </a> BANKS24Adam & Company plc <a title="SFS Yearbook 2009-2010 page 10" href="http://viewer.zmags.com/publication/794602a2?page=10">THE PORTFOLIO:The </a> THE PORTFOLIO:The <a title="SFS Yearbook 2009-2010 page 11" href="http://viewer.zmags.com/publication/794602a2?page=11">DEVELOPMENT AGENCIES113Highlands & Islands Ente</a> DEVELOPMENT AGENCIES113Highlands & Islands Ente<a title="SFS Yearbook 2009-2010 page 12" href="http://viewer.zmags.com/publication/794602a2?page=12">We open this years edition with the launch of our</a> We open this years edition with the launch of our<a title="SFS Yearbook 2009-2010 page 13" href="http://viewer.zmags.com/publication/794602a2?page=13">our Top 30. However, as we have indicated on our </a> our Top 30. However, as we have indicated on our <a title="SFS Yearbook 2009-2010 page 14" href="http://viewer.zmags.com/publication/794602a2?page=14">SFS RAINMAKERS:Clare SheikhSimon Pashby30 AL</a> SFS RAINMAKERS:Clare SheikhSimon Pashby30 AL<a title="SFS Yearbook 2009-2010 page 15" href="http://viewer.zmags.com/publication/794602a2?page=15">SFS RAINMAKERS:Frank BlinDean Buckley24 PWC </a> SFS RAINMAKERS:Frank BlinDean Buckley24 PWC <a title="SFS Yearbook 2009-2010 page 16" href="http://viewer.zmags.com/publication/794602a2?page=16">SFS RAINMAKERS:Jayne-Anne GadhiaKeith Skeoch1</a> SFS RAINMAKERS:Jayne-Anne GadhiaKeith Skeoch1<a title="SFS Yearbook 2009-2010 page 17" href="http://viewer.zmags.com/publication/794602a2?page=17">SFS RAINMAKERS:Roger EdwardsOwen Kelly12 BRIG</a> SFS RAINMAKERS:Roger EdwardsOwen Kelly12 BRIG<a title="SFS Yearbook 2009-2010 page 18" href="http://viewer.zmags.com/publication/794602a2?page=18">SFS RAINMAKERS:Otto Thoresen6 AEGONThe Th</a> SFS RAINMAKERS:Otto Thoresen6 AEGONThe Th<a title="SFS Yearbook 2009-2010 page 19" href="http://viewer.zmags.com/publication/794602a2?page=19">Business depositaccounts thatare simple,safe a</a> Business depositaccounts thatare simple,safe a<a title="SFS Yearbook 2009-2010 page 20" href="http://viewer.zmags.com/publication/794602a2?page=20">WORKING FOR SCOTLAND: GROWTH · ENTERPRISE · IDEAS</a> WORKING FOR SCOTLAND: GROWTH · ENTERPRISE · IDEAS<a title="SFS Yearbook 2009-2010 page 21" href="http://viewer.zmags.com/publication/794602a2?page=21">· DEVELOPMENT · INVESTMENTservices team at S</a> · DEVELOPMENT · INVESTMENTservices team at S<a title="SFS Yearbook 2009-2010 page 22" href="http://viewer.zmags.com/publication/794602a2?page=22">Joining one of the London Stock Exchange's market</a> Joining one of the London Stock Exchange's market<a title="SFS Yearbook 2009-2010 page 23" href="http://viewer.zmags.com/publication/794602a2?page=23">J^[ BedZed IjeYa ;nY^Wd][_i j^[ cWha[j e\ Y^e_Y[</a> J^[ BedZed IjeYa ;nY^Wd][_i j^[ cWha[j e\ Y^e_Y[<a title="SFS Yearbook 2009-2010 page 24" href="http://viewer.zmags.com/publication/794602a2?page=24">Scottish FinancialEnterprise - ChiefExecutive, </a> Scottish FinancialEnterprise - ChiefExecutive, <a title="SFS Yearbook 2009-2010 page 25" href="http://viewer.zmags.com/publication/794602a2?page=25">In all, Scotland is recognised for its diversity </a> In all, Scotland is recognised for its diversity <a title="SFS Yearbook 2009-2010 page 26" href="http://viewer.zmags.com/publication/794602a2?page=26">Banks:Adam & Company plcBank of Englan</a> Banks:Adam & Company plcBank of Englan<a title="SFS Yearbook 2009-2010 page 27" href="http://viewer.zmags.com/publication/794602a2?page=27">A newBEGINNINGIt is the dawn of a new era in S</a> A newBEGINNINGIt is the dawn of a new era in S<a title="SFS Yearbook 2009-2010 page 28" href="http://viewer.zmags.com/publication/794602a2?page=28">New players – such as Tesco Personal Finance (soo</a> New players – such as Tesco Personal Finance (soo<a title="SFS Yearbook 2009-2010 page 29" href="http://viewer.zmags.com/publication/794602a2?page=29">of financial excellence. Many believed that it ca</a> of financial excellence. Many believed that it ca<a title="SFS Yearbook 2009-2010 page 30" href="http://viewer.zmags.com/publication/794602a2?page=30">the coming months the Chancellor of the Exchequer</a> the coming months the Chancellor of the Exchequer<a title="SFS Yearbook 2009-2010 page 31" href="http://viewer.zmags.com/publication/794602a2?page=31">Is there any truth in the legend that Scottishba</a> Is there any truth in the legend that Scottishba<a title="SFS Yearbook 2009-2010 page 32" href="http://viewer.zmags.com/publication/794602a2?page=32">Scotland faces tough time ahead, but there is a “</a> Scotland faces tough time ahead, but there is a “<a title="SFS Yearbook 2009-2010 page 33" href="http://viewer.zmags.com/publication/794602a2?page=33">ADAM & COMPANY provides a full range of banking a</a> ADAM & COMPANY provides a full range of banking a<a title="SFS Yearbook 2009-2010 page 34" href="http://viewer.zmags.com/publication/794602a2?page=34">BANK OF ENGLANDTHE BANK OF ENGLAND is </a> BANK OF ENGLANDTHE BANK OF ENGLAND is <a title="SFS Yearbook 2009-2010 page 35" href="http://viewer.zmags.com/publication/794602a2?page=35">THE BANK OF NEW YORK MELLONTHE BANK OF</a> THE BANK OF NEW YORK MELLONTHE BANK OF<a title="SFS Yearbook 2009-2010 page 36" href="http://viewer.zmags.com/publication/794602a2?page=36">BARCLAYS COMMERCIAL BANKBARCLAYS BANK </a> BARCLAYS COMMERCIAL BANKBARCLAYS BANK <a title="SFS Yearbook 2009-2010 page 37" href="http://viewer.zmags.com/publication/794602a2?page=37">CLYDESDALE BANK is one of Scotland's premier fina</a> CLYDESDALE BANK is one of Scotland's premier fina<a title="SFS Yearbook 2009-2010 page 38" href="http://viewer.zmags.com/publication/794602a2?page=38">THE CO-OPERATIVE BANKWE UNDERSTAND tha</a> THE CO-OPERATIVE BANKWE UNDERSTAND tha<a title="SFS Yearbook 2009-2010 page 39" href="http://viewer.zmags.com/publication/794602a2?page=39">Relationship bankinginactionOur corporate banki</a> Relationship bankinginactionOur corporate banki<a title="SFS Yearbook 2009-2010 page 40" href="http://viewer.zmags.com/publication/794602a2?page=40">J.P.MORGANJ.P. MORGAN is a leader in w</a> J.P.MORGANJ.P. MORGAN is a leader in w<a title="SFS Yearbook 2009-2010 page 41" href="http://viewer.zmags.com/publication/794602a2?page=41">>> 5P ¾OE PVU NPSF MPH PO UP KQNPSHBODPNXTT PS D</a> >> 5P ¾OE PVU NPSF MPH PO UP KQNPSHBODPNXTT PS D<a title="SFS Yearbook 2009-2010 page 42" href="http://viewer.zmags.com/publication/794602a2?page=42">MORGAN STANLEYMORGAN STANLEY is one of</a> MORGAN STANLEYMORGAN STANLEY is one of<a title="SFS Yearbook 2009-2010 page 43" href="http://viewer.zmags.com/publication/794602a2?page=43">THE ROYAL BANK OF SCOTLAND GROUPTHE RO</a> THE ROYAL BANK OF SCOTLAND GROUPTHE RO<a title="SFS Yearbook 2009-2010 page 44" href="http://viewer.zmags.com/publication/794602a2?page=44">STATE STREETWITH $12.4 TRILLION in ass</a> STATE STREETWITH $12.4 TRILLION in ass<a title="SFS Yearbook 2009-2010 page 45" href="http://viewer.zmags.com/publication/794602a2?page=45">UBS is one of the world's largest wealth managers</a> UBS is one of the world's largest wealth managers<a title="SFS Yearbook 2009-2010 page 46" href="http://viewer.zmags.com/publication/794602a2?page=46">MerchantBanks:Noble Grossart Ltd</a> MerchantBanks:Noble Grossart Ltd<a title="SFS Yearbook 2009-2010 page 47" href="http://viewer.zmags.com/publication/794602a2?page=47">NOBLE GROSSART LTDNOBLE GROSSART LTDNO</a> NOBLE GROSSART LTDNOBLE GROSSART LTDNO<a title="SFS Yearbook 2009-2010 page 48" href="http://viewer.zmags.com/publication/794602a2?page=48">Insurance:Prudential plcAEGON UK plc</a> Insurance:Prudential plcAEGON UK plc<a title="SFS Yearbook 2009-2010 page 49" href="http://viewer.zmags.com/publication/794602a2?page=49">WEATHERINGthe stormThe Scottish insurance indu</a> WEATHERINGthe stormThe Scottish insurance indu<a title="SFS Yearbook 2009-2010 page 50" href="http://viewer.zmags.com/publication/794602a2?page=50">knowledge. With credit markets continuing to be e</a> knowledge. With credit markets continuing to be e<a title="SFS Yearbook 2009-2010 page 51" href="http://viewer.zmags.com/publication/794602a2?page=51">Standard Life has delivered a solid underlyingpe</a> Standard Life has delivered a solid underlyingpe<a title="SFS Yearbook 2009-2010 page 52" href="http://viewer.zmags.com/publication/794602a2?page=52">AEGON is now clearly postioned as one of the key</a> AEGON is now clearly postioned as one of the key<a title="SFS Yearbook 2009-2010 page 53" href="http://viewer.zmags.com/publication/794602a2?page=53">We remain a market leader in bothindividual annu</a> We remain a market leader in bothindividual annu<a title="SFS Yearbook 2009-2010 page 54" href="http://viewer.zmags.com/publication/794602a2?page=54">seeking greater security and stability amid unpre</a> seeking greater security and stability amid unpre<a title="SFS Yearbook 2009-2010 page 55" href="http://viewer.zmags.com/publication/794602a2?page=55">PRUDENTIAL is a leading life and pensions provide</a> PRUDENTIAL is a leading life and pensions provide<a title="SFS Yearbook 2009-2010 page 56" href="http://viewer.zmags.com/publication/794602a2?page=56">AEGON UK PLCAEGON AEGON UK'S FAMILY OF</a> AEGON UK PLCAEGON AEGON UK'S FAMILY OF<a title="SFS Yearbook 2009-2010 page 57" href="http://viewer.zmags.com/publication/794602a2?page=57">AEGON SCOTTISH EQUITABLE (the trading name of Sco</a> AEGON SCOTTISH EQUITABLE (the trading name of Sco<a title="SFS Yearbook 2009-2010 page 58" href="http://viewer.zmags.com/publication/794602a2?page=58">AVIVA INSURANCE UK LIMITEDAVIVA INSURA</a> AVIVA INSURANCE UK LIMITEDAVIVA INSURA<a title="SFS Yearbook 2009-2010 page 59" href="http://viewer.zmags.com/publication/794602a2?page=59">We take all our customers seriously.Financial </a> We take all our customers seriously.Financial <a title="SFS Yearbook 2009-2010 page 60" href="http://viewer.zmags.com/publication/794602a2?page=60">STANDARD LIFE PLCSTANDARD LIFE is a ma</a> STANDARD LIFE PLCSTANDARD LIFE is a ma<a title="SFS Yearbook 2009-2010 page 61" href="http://viewer.zmags.com/publication/794602a2?page=61">PensionsMortgagesSavingsInvestmentsHealthcare</a> PensionsMortgagesSavingsInvestmentsHealthcare<a title="SFS Yearbook 2009-2010 page 62" href="http://viewer.zmags.com/publication/794602a2?page=62">FundManagers:Aberdeen AssetManagement plc</a> FundManagers:Aberdeen AssetManagement plc<a title="SFS Yearbook 2009-2010 page 63" href="http://viewer.zmags.com/publication/794602a2?page=63">Smallis the new big!Ian Fraser discovers that,</a> Smallis the new big!Ian Fraser discovers that,<a title="SFS Yearbook 2009-2010 page 64" href="http://viewer.zmags.com/publication/794602a2?page=64">While most star fund managers have lived through </a> While most star fund managers have lived through <a title="SFS Yearbook 2009-2010 page 65" href="http://viewer.zmags.com/publication/794602a2?page=65">The Leading Fund Managers in Scotland who have re</a> The Leading Fund Managers in Scotland who have re<a title="SFS Yearbook 2009-2010 page 66" href="http://viewer.zmags.com/publication/794602a2?page=66">Katherine Garrett-Cox, its Chief Executive, is a </a> Katherine Garrett-Cox, its Chief Executive, is a <a title="SFS Yearbook 2009-2010 page 67" href="http://viewer.zmags.com/publication/794602a2?page=67">conditions over the past year have been demanding</a> conditions over the past year have been demanding<a title="SFS Yearbook 2009-2010 page 68" href="http://viewer.zmags.com/publication/794602a2?page=68">ABERDEEN ASSET MANAGEMENT PLCABERDEEN </a> ABERDEEN ASSET MANAGEMENT PLCABERDEEN <a title="SFS Yearbook 2009-2010 page 69" href="http://viewer.zmags.com/publication/794602a2?page=69">EQUITIES | FIXED INCOME | PROPERTYAt Aberdeen,</a> EQUITIES | FIXED INCOME | PROPERTYAt Aberdeen,<a title="SFS Yearbook 2009-2010 page 70" href="http://viewer.zmags.com/publication/794602a2?page=70">ARTEMIS INVESTMENT MANAGEMENT LIMITEDA</a> ARTEMIS INVESTMENT MANAGEMENT LIMITEDA<a title="SFS Yearbook 2009-2010 page 71" href="http://viewer.zmags.com/publication/794602a2?page=71">AXA FRAMLINGTONAXA FRAMLINGTON is a le</a> AXA FRAMLINGTONAXA FRAMLINGTON is a le<a title="SFS Yearbook 2009-2010 page 72" href="http://viewer.zmags.com/publication/794602a2?page=72">BAILLIE GIFFORD & COBAILLIE GIFFORD & </a> BAILLIE GIFFORD & COBAILLIE GIFFORD & <a title="SFS Yearbook 2009-2010 page 73" href="http://viewer.zmags.com/publication/794602a2?page=73">BARCLAYS WEALTH has been managing money for succe</a> BARCLAYS WEALTH has been managing money for succe<a title="SFS Yearbook 2009-2010 page 74" href="http://viewer.zmags.com/publication/794602a2?page=74">BREWIN DOLPHINBREWIN DOLPHIN is one of</a> BREWIN DOLPHINBREWIN DOLPHIN is one of<a title="SFS Yearbook 2009-2010 page 75" href="http://viewer.zmags.com/publication/794602a2?page=75">At Brewin Dolphin, every investmentrelationship </a> At Brewin Dolphin, every investmentrelationship <a title="SFS Yearbook 2009-2010 page 76" href="http://viewer.zmags.com/publication/794602a2?page=76">CORNELIAN ASSET MANAGERSCORNELIAN ASSE</a> CORNELIAN ASSET MANAGERSCORNELIAN ASSE<a title="SFS Yearbook 2009-2010 page 77" href="http://viewer.zmags.com/publication/794602a2?page=77">IGNIS ASSET MANAGEMENT is a new model asset manag</a> IGNIS ASSET MANAGEMENT is a new model asset manag<a title="SFS Yearbook 2009-2010 page 78" href="http://viewer.zmags.com/publication/794602a2?page=78">NEWTON INVESTMENT MANAGEMENT LIMITEDNE</a> NEWTON INVESTMENT MANAGEMENT LIMITEDNE<a title="SFS Yearbook 2009-2010 page 79" href="http://viewer.zmags.com/publication/794602a2?page=79">8 Zc\Xi\i g\ijg\Zk`m\Gi`mXk\ `em\jkd\ekdXeX^\d\</a> 8 Zc\Xi\i g\ijg\Zk`m\Gi`mXk\ `em\jkd\ekdXeX^\d\<a title="SFS Yearbook 2009-2010 page 80" href="http://viewer.zmags.com/publication/794602a2?page=80">WILLIAMS DE BROËBecome part of the her</a> WILLIAMS DE BROËBecome part of the her<a title="SFS Yearbook 2009-2010 page 81" href="http://viewer.zmags.com/publication/794602a2?page=81"> LOOKING FOR A BESPOKEINVESTMENT MANA</a> LOOKING FOR A BESPOKEINVESTMENT MANA<a title="SFS Yearbook 2009-2010 page 82" href="http://viewer.zmags.com/publication/794602a2?page=82">SMCG WEALTHSMCG WEALTH are a specialis</a> SMCG WEALTHSMCG WEALTH are a specialis<a title="SFS Yearbook 2009-2010 page 83" href="http://viewer.zmags.com/publication/794602a2?page=83">InvestmentCompanies:AllianceTrust Plc</a> InvestmentCompanies:AllianceTrust Plc<a title="SFS Yearbook 2009-2010 page 84" href="http://viewer.zmags.com/publication/794602a2?page=84">ALLIANCE TRUST PLCALLIANCE TRUST PLC i</a> ALLIANCE TRUST PLCALLIANCE TRUST PLC i<a title="SFS Yearbook 2009-2010 page 85" href="http://viewer.zmags.com/publication/794602a2?page=85">Investing forgenerationst "MMJBODF 5SVTU 1-$ J</a> Investing forgenerationst "MMJBODF 5SVTU 1-$ J<a title="SFS Yearbook 2009-2010 page 86" href="http://viewer.zmags.com/publication/794602a2?page=86">CalculatedRISKAs the `deals' have dried up in </a> CalculatedRISKAs the `deals' have dried up in <a title="SFS Yearbook 2009-2010 page 87" href="http://viewer.zmags.com/publication/794602a2?page=87">We are holding our nerve and keeping up our gradu</a> We are holding our nerve and keeping up our gradu<a title="SFS Yearbook 2009-2010 page 88" href="http://viewer.zmags.com/publication/794602a2?page=88">“It will certainly be a number of years before th</a> “It will certainly be a number of years before th<a title="SFS Yearbook 2009-2010 page 89" href="http://viewer.zmags.com/publication/794602a2?page=89">Even in these testing times, Martin Gilberthasn'</a> Even in these testing times, Martin Gilberthasn'<a title="SFS Yearbook 2009-2010 page 90" href="http://viewer.zmags.com/publication/794602a2?page=90">The corporate law scene has been buffeted by the </a> The corporate law scene has been buffeted by the <a title="SFS Yearbook 2009-2010 page 91" href="http://viewer.zmags.com/publication/794602a2?page=91">Lawyers: Biggart Baillie LLP</a> Lawyers: Biggart Baillie LLP<a title="SFS Yearbook 2009-2010 page 92" href="http://viewer.zmags.com/publication/794602a2?page=92">BIGGART BAILLIE LLPWhat we doOUR CORP</a> BIGGART BAILLIE LLPWhat we doOUR CORP<a title="SFS Yearbook 2009-2010 page 93" href="http://viewer.zmags.com/publication/794602a2?page=93">BRODIES` dedicated Corporate and Banking and Fina</a> BRODIES` dedicated Corporate and Banking and Fina<a title="SFS Yearbook 2009-2010 page 94" href="http://viewer.zmags.com/publication/794602a2?page=94">MACROBERTS LLP </a> MACROBERTS LLP <a title="SFS Yearbook 2009-2010 page 95" href="http://viewer.zmags.com/publication/794602a2?page=95">Corporate and Commercial Contacts </a> Corporate and Commercial Contacts <a title="SFS Yearbook 2009-2010 page 96" href="http://viewer.zmags.com/publication/794602a2?page=96">HBJ GATELEY WAREINGHBJ GATELEY WAREING</a> HBJ GATELEY WAREINGHBJ GATELEY WAREING<a title="SFS Yearbook 2009-2010 page 97" href="http://viewer.zmags.com/publication/794602a2?page=97">WITH OFFICES IN GLASGOW, EDINBURGH, ABERDEEN, BEL</a> WITH OFFICES IN GLASGOW, EDINBURGH, ABERDEEN, BEL<a title="SFS Yearbook 2009-2010 page 98" href="http://viewer.zmags.com/publication/794602a2?page=98">MORTON FRASERMORTON FRASER is an award</a> MORTON FRASERMORTON FRASER is an award<a title="SFS Yearbook 2009-2010 page 99" href="http://viewer.zmags.com/publication/794602a2?page=99">SEMPLE FRASER is a multi-national practice that a</a> SEMPLE FRASER is a multi-national practice that a<a title="SFS Yearbook 2009-2010 page 100" href="http://viewer.zmags.com/publication/794602a2?page=100">TODS MURRAY LLPTODS MURRAY LLP is a le</a> TODS MURRAY LLPTODS MURRAY LLP is a le<a title="SFS Yearbook 2009-2010 page 101" href="http://viewer.zmags.com/publication/794602a2?page=101">Accountants & Business Advisors: </a> Accountants & Business Advisors: <a title="SFS Yearbook 2009-2010 page 102" href="http://viewer.zmags.com/publication/794602a2?page=102">ERNST & YOUNGERNST & YOUNG is a global</a> ERNST & YOUNGERNST & YOUNG is a global<a title="SFS Yearbook 2009-2010 page 103" href="http://viewer.zmags.com/publication/794602a2?page=103">¡ =jfkl Qgmf_ DDH *((1&9dd ja_`lk j]k]jn]\&L`] </a> ¡ =jfkl Qgmf_ DDH *((1&9dd ja_`lk j]k]jn]\&L`] <a title="SFS Yearbook 2009-2010 page 104" href="http://viewer.zmags.com/publication/794602a2?page=104">DELOITTEDELOITTE FINANCIAL SERVICES PR</a> DELOITTEDELOITTE FINANCIAL SERVICES PR<a title="SFS Yearbook 2009-2010 page 105" href="http://viewer.zmags.com/publication/794602a2?page=105">KPMG is a leading provider of accounting and advi</a> KPMG is a leading provider of accounting and advi<a title="SFS Yearbook 2009-2010 page 106" href="http://viewer.zmags.com/publication/794602a2?page=106">PRICEWATERHOUSECOOPERS LLPPRICEWATERHO</a> PRICEWATERHOUSECOOPERS LLPPRICEWATERHO<a title="SFS Yearbook 2009-2010 page 107" href="http://viewer.zmags.com/publication/794602a2?page=107">SCOTT-MONCRIEFF is a leading independent accounta</a> SCOTT-MONCRIEFF is a leading independent accounta<a title="SFS Yearbook 2009-2010 page 108" href="http://viewer.zmags.com/publication/794602a2?page=108">WYLIE & BISSET LLPWYLIE & BISSET LLP i</a> WYLIE & BISSET LLPWYLIE & BISSET LLP i<a title="SFS Yearbook 2009-2010 page 109" href="http://viewer.zmags.com/publication/794602a2?page=109"> Information &Communication: </a> Information &Communication: <a title="SFS Yearbook 2009-2010 page 110" href="http://viewer.zmags.com/publication/794602a2?page=110">INTERACTIVE DATAINTERACTIVE DATA CORPO</a> INTERACTIVE DATAINTERACTIVE DATA CORPO<a title="SFS Yearbook 2009-2010 page 111" href="http://viewer.zmags.com/publication/794602a2?page=111">EVALUATIONS PRICING AND </a> EVALUATIONS PRICING AND <a title="SFS Yearbook 2009-2010 page 112" href="http://viewer.zmags.com/publication/794602a2?page=112">SIX TELEKURS U.K. LTDAS ONE OF THE LEA</a> SIX TELEKURS U.K. LTDAS ONE OF THE LEA<a title="SFS Yearbook 2009-2010 page 113" href="http://viewer.zmags.com/publication/794602a2?page=113">In challenging timesyou need somethingto hold o</a> In challenging timesyou need somethingto hold o<a title="SFS Yearbook 2009-2010 page 114" href="http://viewer.zmags.com/publication/794602a2?page=114">THOMSON REUTERS PLCTHOMSON REUTERS is </a> THOMSON REUTERS PLCTHOMSON REUTERS is <a title="SFS Yearbook 2009-2010 page 115" href="http://viewer.zmags.com/publication/794602a2?page=115">Development Agencies: Highlands </a> Development Agencies: Highlands <a title="SFS Yearbook 2009-2010 page 116" href="http://viewer.zmags.com/publication/794602a2?page=116">HIGHLANDS & ISLANDS ENTERPRISEHIGHLAND</a> HIGHLANDS & ISLANDS ENTERPRISEHIGHLAND<a title="SFS Yearbook 2009-2010 page 117" href="http://viewer.zmags.com/publication/794602a2?page=117">WEST OF SCOTLAND LOAN FUND LTDTHE WEST</a> WEST OF SCOTLAND LOAN FUND LTDTHE WEST<a title="SFS Yearbook 2009-2010 page 118" href="http://viewer.zmags.com/publication/794602a2?page=118">Recruitment &Executive Search:eFinancialC</a> Recruitment &Executive Search:eFinancialC<a title="SFS Yearbook 2009-2010 page 119" href="http://viewer.zmags.com/publication/794602a2?page=119">OPPORTUNITYKnocksThe financial services workpl</a> OPPORTUNITYKnocksThe financial services workpl<a title="SFS Yearbook 2009-2010 page 120" href="http://viewer.zmags.com/publication/794602a2?page=120">responsibility is to look after the interests of </a> responsibility is to look after the interests of <a title="SFS Yearbook 2009-2010 page 121" href="http://viewer.zmags.com/publication/794602a2?page=121">Nevertheless, Manpower's Employment OutlookSurve</a> Nevertheless, Manpower's Employment OutlookSurve<a title="SFS Yearbook 2009-2010 page 122" href="http://viewer.zmags.com/publication/794602a2?page=122">It is important to think of the internal auditor </a> It is important to think of the internal auditor <a title="SFS Yearbook 2009-2010 page 123" href="http://viewer.zmags.com/publication/794602a2?page=123">typically look to increase and renew their polici</a> typically look to increase and renew their polici<a title="SFS Yearbook 2009-2010 page 124" href="http://viewer.zmags.com/publication/794602a2?page=124">EFINANCIALCAREERS SCOTLANDScotlandThe Finan</a> EFINANCIALCAREERS SCOTLANDScotlandThe Finan<a title="SFS Yearbook 2009-2010 page 125" href="http://viewer.zmags.com/publication/794602a2?page=125"> IT & Support</a> IT & Support<a title="SFS Yearbook 2009-2010 page 126" href="http://viewer.zmags.com/publication/794602a2?page=126">CAPGEMINI UK PLCCAPGEMINI, one of the </a> CAPGEMINI UK PLCCAPGEMINI, one of the <a title="SFS Yearbook 2009-2010 page 127" href="http://viewer.zmags.com/publication/794602a2?page=127">LINEDATA SERVICES An industry leading provider of</a> LINEDATA SERVICES An industry leading provider of<a title="SFS Yearbook 2009-2010 page 128" href="http://viewer.zmags.com/publication/794602a2?page=128">RepresentativeBodies:Association of Chart</a> RepresentativeBodies:Association of Chart<a title="SFS Yearbook 2009-2010 page 129" href="http://viewer.zmags.com/publication/794602a2?page=129">ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS</a> ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS<a title="SFS Yearbook 2009-2010 page 130" href="http://viewer.zmags.com/publication/794602a2?page=130">CIMA – THE CHARTERED INSTITUTE OF MANAGEMENT ACCO</a> CIMA – THE CHARTERED INSTITUTE OF MANAGEMENT ACCO<a title="SFS Yearbook 2009-2010 page 131" href="http://viewer.zmags.com/publication/794602a2?page=131">THE INSTITUTE OF CHARTERED ACCOUNTANTS OF SCOTLAN</a> THE INSTITUTE OF CHARTERED ACCOUNTANTS OF SCOTLAN<a title="SFS Yearbook 2009-2010 page 132" href="http://viewer.zmags.com/publication/794602a2?page=132">INTERNATIONAL FINANCIAL SERVICES, LONDON</a> INTERNATIONAL FINANCIAL SERVICES, LONDON<a title="SFS Yearbook 2009-2010 page 133" href="http://viewer.zmags.com/publication/794602a2?page=133">Promoting UK FinancialServices Throughoutthe Wo</a> Promoting UK FinancialServices Throughoutthe Wo<a title="SFS Yearbook 2009-2010 page 134" href="http://viewer.zmags.com/publication/794602a2?page=134">THE LAW SOCIETY OF SCOTLANDTHE LAW SOC</a> THE LAW SOCIETY OF SCOTLANDTHE LAW SOC<a title="SFS Yearbook 2009-2010 page 135" href="http://viewer.zmags.com/publication/794602a2?page=135">SCOTTISH FINANCIAL ENTERPRISESCOTTISH </a> SCOTTISH FINANCIAL ENTERPRISESCOTTISH <a title="SFS Yearbook 2009-2010 page 136" href="http://viewer.zmags.com/publication/794602a2?page=136">Commerce&Trade:BVCACanada-UKChamber of</a> Commerce&Trade:BVCACanada-UKChamber of<a title="SFS Yearbook 2009-2010 page 137" href="http://viewer.zmags.com/publication/794602a2?page=137">THE BVCA is the industry body and public policy a</a> THE BVCA is the industry body and public policy a<a title="SFS Yearbook 2009-2010 page 138" href="http://viewer.zmags.com/publication/794602a2?page=138">CANADA-UK CHAMBER OF COMMERCETHE UK AN</a> CANADA-UK CHAMBER OF COMMERCETHE UK AN<a title="SFS Yearbook 2009-2010 page 139" href="http://viewer.zmags.com/publication/794602a2?page=139">THE AIMS AND OBJECTIVES of The David Hume Institu</a> THE AIMS AND OBJECTIVES of The David Hume Institu<a title="SFS Yearbook 2009-2010 page 140" href="http://viewer.zmags.com/publication/794602a2?page=140">FIFE CHAMBER OF COMMERCE & ENTERPRISEF</a> FIFE CHAMBER OF COMMERCE & ENTERPRISEF<a title="SFS Yearbook 2009-2010 page 141" href="http://viewer.zmags.com/publication/794602a2?page=141">GLASGOW CHAMBER OF COMMERCEGLASGOW CHA</a> GLASGOW CHAMBER OF COMMERCEGLASGOW CHA<a title="SFS Yearbook 2009-2010 page 142" href="http://viewer.zmags.com/publication/794602a2?page=142">LONDON STOCK EXCHANGECOMPANIES NEED CA</a> LONDON STOCK EXCHANGECOMPANIES NEED CA<a title="SFS Yearbook 2009-2010 page 143" href="http://viewer.zmags.com/publication/794602a2?page=143"> Index ofCompany Services:</a> Index ofCompany Services:<a title="SFS Yearbook 2009-2010 page 144" href="http://viewer.zmags.com/publication/794602a2?page=144">INDEX OF COMPANY SERVICESTheIndex:Acceptance </a> INDEX OF COMPANY SERVICESTheIndex:Acceptance <a title="SFS Yearbook 2009-2010 page 145" href="http://viewer.zmags.com/publication/794602a2?page=145">Corporate FinanceBank of ScotlandBarclays Bank </a> Corporate FinanceBank of ScotlandBarclays Bank <a title="SFS Yearbook 2009-2010 page 146" href="http://viewer.zmags.com/publication/794602a2?page=146">INDEX OF COMPANY SERVICESTheIndex:Franchising</a> INDEX OF COMPANY SERVICESTheIndex:Franchising<a title="SFS Yearbook 2009-2010 page 147" href="http://viewer.zmags.com/publication/794602a2?page=147">Investment Companies & InvestmentTrustsAberdeen</a> Investment Companies & InvestmentTrustsAberdeen<a title="SFS Yearbook 2009-2010 page 148" href="http://viewer.zmags.com/publication/794602a2?page=148">INDEX OF COMPANY SERVICESTheIndex:New Issues</a> INDEX OF COMPANY SERVICESTheIndex:New Issues<a title="SFS Yearbook 2009-2010 page 149" href="http://viewer.zmags.com/publication/794602a2?page=149">RecruitmenteFinancialCareers ScotlandRegistra</a> RecruitmenteFinancialCareers ScotlandRegistra<a title="SFS Yearbook 2009-2010 page 150" href="http://viewer.zmags.com/publication/794602a2?page=150">Who'sWho:</a> Who'sWho:<a title="SFS Yearbook 2009-2010 page 151" href="http://viewer.zmags.com/publication/794602a2?page=151"> ADAMS, Ralp</a> ADAMS, Ralp<a title="SFS Yearbook 2009-2010 page 152" href="http://viewer.zmags.com/publication/794602a2?page=152">ANDERSON – BAIRD </a> ANDERSON – BAIRD <a title="SFS Yearbook 2009-2010 page 153" href="http://viewer.zmags.com/publication/794602a2?page=153">BALFOUR, Anja, BSc (Hons) inPsychology; Lead man</a> BALFOUR, Anja, BSc (Hons) inPsychology; Lead man<a title="SFS Yearbook 2009-2010 page 154" href="http://viewer.zmags.com/publication/794602a2?page=154">BLACKWELL – BROOKS </a> BLACKWELL – BROOKS <a title="SFS Yearbook 2009-2010 page 155" href="http://viewer.zmags.com/publication/794602a2?page=155">BROWN, Ewan, CBE, MA, LLB, CA, FRSE,FCIBS; Non E</a> BROWN, Ewan, CBE, MA, LLB, CA, FRSE,FCIBS; Non E<a title="SFS Yearbook 2009-2010 page 156" href="http://viewer.zmags.com/publication/794602a2?page=156">BURROW – CATTOBURROW, Ali</a> BURROW – CATTOBURROW, Ali<a title="SFS Yearbook 2009-2010 page 157" href="http://viewer.zmags.com/publication/794602a2?page=157"> </a> <a title="SFS Yearbook 2009-2010 page 158" href="http://viewer.zmags.com/publication/794602a2?page=158">CRAWFORD – CULLENCRAWFORD</a> CRAWFORD – CULLENCRAWFORD<a title="SFS Yearbook 2009-2010 page 159" href="http://viewer.zmags.com/publication/794602a2?page=159">Legal 500 and Chambers’ directories,Qualified me</a> Legal 500 and Chambers’ directories,Qualified me<a title="SFS Yearbook 2009-2010 page 160" href="http://viewer.zmags.com/publication/794602a2?page=160">DONALDSON – FAHY </a> DONALDSON – FAHY <a title="SFS Yearbook 2009-2010 page 161" href="http://viewer.zmags.com/publication/794602a2?page=161">relationship with over 400 North of Englandand S</a> relationship with over 400 North of Englandand S<a title="SFS Yearbook 2009-2010 page 162" href="http://viewer.zmags.com/publication/794602a2?page=162">FRASER – GOPSILLFRASER; J</a> FRASER – GOPSILLFRASER; J<a title="SFS Yearbook 2009-2010 page 163" href="http://viewer.zmags.com/publication/794602a2?page=163">GOW, Alison, LLB (Hons)1980, WS; Headof Employme</a> GOW, Alison, LLB (Hons)1980, WS; Headof Employme<a title="SFS Yearbook 2009-2010 page 164" href="http://viewer.zmags.com/publication/794602a2?page=164">HESTER – HORNER </a> HESTER – HORNER <a title="SFS Yearbook 2009-2010 page 165" href="http://viewer.zmags.com/publication/794602a2?page=165">HUDSON, Desmond Gerard, LLB; ChiefExecutive & Se</a> HUDSON, Desmond Gerard, LLB; ChiefExecutive & Se<a title="SFS Yearbook 2009-2010 page 166" href="http://viewer.zmags.com/publication/794602a2?page=166">KELLY – LAING </a> KELLY – LAING <a title="SFS Yearbook 2009-2010 page 167" href="http://viewer.zmags.com/publication/794602a2?page=167">Edinburgh Fund Managers Group PLC, MurrayJohnsto</a> Edinburgh Fund Managers Group PLC, MurrayJohnsto<a title="SFS Yearbook 2009-2010 page 168" href="http://viewer.zmags.com/publication/794602a2?page=168">LESLIE – MACKAYStrathclyde</a> LESLIE – MACKAYStrathclyde<a title="SFS Yearbook 2009-2010 page 169" href="http://viewer.zmags.com/publication/794602a2?page=169"> MACKENZIE, Alastair, Re</a> MACKENZIE, Alastair, Re<a title="SFS Yearbook 2009-2010 page 170" href="http://viewer.zmags.com/publication/794602a2?page=170">MARTIN– MCGILL </a> MARTIN– MCGILL <a title="SFS Yearbook 2009-2010 page 171" href="http://viewer.zmags.com/publication/794602a2?page=171"> MCGREGOR, Alison ACIBS;</a> MCGREGOR, Alison ACIBS;<a title="SFS Yearbook 2009-2010 page 172" href="http://viewer.zmags.com/publication/794602a2?page=172">MCMANUS – MERCHANTMCMANUS</a> MCMANUS – MERCHANTMCMANUS<a title="SFS Yearbook 2009-2010 page 173" href="http://viewer.zmags.com/publication/794602a2?page=173">MITCHELL, Yvonne; InteractiveData Corporation</a> MITCHELL, Yvonne; InteractiveData Corporation<a title="SFS Yearbook 2009-2010 page 174" href="http://viewer.zmags.com/publication/794602a2?page=174">NISH – PASHBY </a> NISH – PASHBY <a title="SFS Yearbook 2009-2010 page 175" href="http://viewer.zmags.com/publication/794602a2?page=175"> PATERSON, John, FSI;</a> PATERSON, John, FSI;<a title="SFS Yearbook 2009-2010 page 176" href="http://viewer.zmags.com/publication/794602a2?page=176">PROTEAU– REIDPROTEAU, Joc</a> PROTEAU– REIDPROTEAU, Joc<a title="SFS Yearbook 2009-2010 page 177" href="http://viewer.zmags.com/publication/794602a2?page=177">RICE, Susan C.B.E, BA, M Litt,Chartered Banker, </a> RICE, Susan C.B.E, BA, M Litt,Chartered Banker, <a title="SFS Yearbook 2009-2010 page 178" href="http://viewer.zmags.com/publication/794602a2?page=178">ROE – SCRIMGEOUR </a> ROE – SCRIMGEOUR <a title="SFS Yearbook 2009-2010 page 179" href="http://viewer.zmags.com/publication/794602a2?page=179">SHAKESHAFT, Peter; Chairperson,Edinburgh Clydesd</a> SHAKESHAFT, Peter; Chairperson,Edinburgh Clydesd<a title="SFS Yearbook 2009-2010 page 180" href="http://viewer.zmags.com/publication/794602a2?page=180">STENHOUSE – STRACHANSTENH</a> STENHOUSE – STRACHANSTENH<a title="SFS Yearbook 2009-2010 page 181" href="http://viewer.zmags.com/publication/794602a2?page=181">SUTHERLAND, Peter Denis; Non-Executive Director,</a> SUTHERLAND, Peter Denis; Non-Executive Director,<a title="SFS Yearbook 2009-2010 page 182" href="http://viewer.zmags.com/publication/794602a2?page=182">TOPLEY – WALKER </a> TOPLEY – WALKER <a title="SFS Yearbook 2009-2010 page 183" href="http://viewer.zmags.com/publication/794602a2?page=183">work, commercial contracts, intellectualproperty</a> work, commercial contracts, intellectualproperty<a title="SFS Yearbook 2009-2010 page 184" href="http://viewer.zmags.com/publication/794602a2?page=184">WILSON – YOUNGERWILSON, </a> WILSON – YOUNGERWILSON, <a title="SFS Yearbook 2009-2010 page 185" href="http://viewer.zmags.com/publication/794602a2?page=185">Contacts:</a> Contacts:<a title="SFS Yearbook 2009-2010 page 186" href="http://viewer.zmags.com/publication/794602a2?page=186">UK & INTERNATIONAL CONTACTSTheExchange:Char</a> UK & INTERNATIONAL CONTACTSTheExchange:Char<a title="SFS Yearbook 2009-2010 page 187" href="http://viewer.zmags.com/publication/794602a2?page=187">Convention of Scottish LocalAuthorities(COSLA B</a> Convention of Scottish LocalAuthorities(COSLA B<a title="SFS Yearbook 2009-2010 page 188" href="http://viewer.zmags.com/publication/794602a2?page=188">UK & INTERNATIONAL CONTACTSEuropean Polic</a> UK & INTERNATIONAL CONTACTSEuropean Polic<a title="SFS Yearbook 2009-2010 page 189" href="http://viewer.zmags.com/publication/794602a2?page=189">Scottish Council forDevelopment and Industry (co</a> Scottish Council forDevelopment and Industry (co<a title="SFS Yearbook 2009-2010 page 190" href="http://viewer.zmags.com/publication/794602a2?page=190">UK & INTERNATIONAL CONTACTSTheForeignExchang</a> UK & INTERNATIONAL CONTACTSTheForeignExchang<a title="SFS Yearbook 2009-2010 page 191" href="http://viewer.zmags.com/publication/794602a2?page=191">FinlandConsul Michael J WalkerCarriden Sawmills</a> FinlandConsul Michael J WalkerCarriden Sawmills<a title="SFS Yearbook 2009-2010 page 192" href="http://viewer.zmags.com/publication/794602a2?page=192">UK & INTERNATIONAL CONTACTSJapanConsul G</a> UK & INTERNATIONAL CONTACTSJapanConsul G<a title="SFS Yearbook 2009-2010 page 193" href="http://viewer.zmags.com/publication/794602a2?page=193">Russian FederationConsul General Vladimir Malygi</a> Russian FederationConsul General Vladimir Malygi<a title="SFS Yearbook 2009-2010 page 194" href="http://viewer.zmags.com/publication/794602a2?page=194">BUSINESS TRAVELGlobalVentures:AirportsAber</a> BUSINESS TRAVELGlobalVentures:AirportsAber<a title="SFS Yearbook 2009-2010 page 195" href="http://viewer.zmags.com/publication/794602a2?page=195">step up withBe 100% con</a> step up withBe 100% con<a title="SFS Yearbook 2009-2010 page 196" href="http://viewer.zmags.com/publication/794602a2?page=196">Forthehighestcalibrecandidates,looknofurther.e</a> Forthehighestcalibrecandidates,looknofurther.e