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<br /> Financial Services Compensation Scheme<br /> Annual Report and Accounts 2012/13<br /> How to contact us<br /> By phone on:<br /> • 0800 678 1100; or<br /> • 020 7741 4100<br /> Lines are open Mondays to Fridays<br /> from 8.30am to 5.30pm<br /> By email: enquiries@fscs.org.uk<br /> Online enquiry form<br /> Or by post to:<br /> The Financial Services Compensation Scheme<br /> 10th Floor<br /> Beaufort House<br /> 15 St Botolph Street<br /> London EC3A 7QU<br /> KWErYite Money Read Audio Video Social<br /> Open Close Read Audio Video Social<br /> 3<br /> Contents<br /> 6<br /> 1: The Year<br /> in Summary<br /> 8<br /> 2: Chairman’s<br /> Statement<br /> 12<br /> 3: Chief Executive’s<br /> Report<br /> 18<br /> 4: Responding to<br /> Consumers<br /> 32<br /> 5: Raising Awareness<br /> of FSCS<br /> 40<br /> 6: FSCS Finances:<br /> Compensation,<br /> Running Costs,<br /> Recoveries<br /> and Levies<br /> <a title="FSCS Annual Report 2012/13 page 1" href="http://viewer.zmags.com/publication/acc6f27d?page=1"> Financial Services Compensation Scheme Annual Rep</a> <a title="FSCS Annual Report 2012/13 page 2" href="http://viewer.zmags.com/publication/acc6f27d?page=2"> How to contact us By phone on: • 0800 678 1100; o</a> <a title="FSCS Annual Report 2012/13 page 3" href="http://viewer.zmags.com/publication/acc6f27d?page=3"> 3 Contents 6 1: The Year in Summary</a> <a title="FSCS Annual Report 2012/13 page 4" href="http://viewer.zmags.com/publication/acc6f27d?page=4"> 4 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 5" href="http://viewer.zmags.com/publication/acc6f27d?page=5"> Our Role, Mission and Aims 5 Our a</a> <a title="FSCS Annual Report 2012/13 page 6" href="http://viewer.zmags.com/publication/acc6f27d?page=6"> 6 FSCS Annual Report and Accounts 2012/13 1 </a> <a title="FSCS Annual Report 2012/13 page 7" href="http://viewer.zmags.com/publication/acc6f27d?page=7"> 1 The Year in Summary 7 33 Raising</a> <a title="FSCS Annual Report 2012/13 page 8" href="http://viewer.zmags.com/publication/acc6f27d?page=8"> 8 FSCS Annual Report and Accounts 2012/13</a> <a title="FSCS Annual Report 2012/13 page 9" href="http://viewer.zmags.com/publication/acc6f27d?page=9"> 2 Chairman's Statement 9 2 Chairman’s Statem</a> <a title="FSCS Annual Report 2012/13 page 10" href="http://viewer.zmags.com/publication/acc6f27d?page=10"> 10 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 11" href="http://viewer.zmags.com/publication/acc6f27d?page=11"> 2 Chairman's Statement 11 Calibre </a> <a title="FSCS Annual Report 2012/13 page 12" href="http://viewer.zmags.com/publication/acc6f27d?page=12"> 12 FSCS Annual Report and Accounts 2012/13</a> <a title="FSCS Annual Report 2012/13 page 13" href="http://viewer.zmags.com/publication/acc6f27d?page=13"> 3 Chief Executive's Report 13 3 Chief Executi</a> <a title="FSCS Annual Report 2012/13 page 14" href="http://viewer.zmags.com/publication/acc6f27d?page=14"> 14 FSCS Annual Report and Accounts 2012/13 ‘ W</a> <a title="FSCS Annual Report 2012/13 page 15" href="http://viewer.zmags.com/publication/acc6f27d?page=15"> 3 Chief Executive's Report 15 Mark Neale Chief E</a> <a title="FSCS Annual Report 2012/13 page 16" href="http://viewer.zmags.com/publication/acc6f27d?page=16"> 16 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 17" href="http://viewer.zmags.com/publication/acc6f27d?page=17"> 3 Chief Executive's Report 17 the </a> <a title="FSCS Annual Report 2012/13 page 18" href="http://viewer.zmags.com/publication/acc6f27d?page=18"> 18 FSCS Annual Report and Accounts 2012/13 We </a> <a title="FSCS Annual Report 2012/13 page 19" href="http://viewer.zmags.com/publication/acc6f27d?page=19"> 4 Responding to Consumers 19 4 Responding to </a> <a title="FSCS Annual Report 2012/13 page 20" href="http://viewer.zmags.com/publication/acc6f27d?page=20"> 20 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 21" href="http://viewer.zmags.com/publication/acc6f27d?page=21"> 4 Responding to Consumers 21 Consu</a> <a title="FSCS Annual Report 2012/13 page 22" href="http://viewer.zmags.com/publication/acc6f27d?page=22"> 22 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 23" href="http://viewer.zmags.com/publication/acc6f27d?page=23"> 4 Responding to Consumers 23 </a> <a title="FSCS Annual Report 2012/13 page 24" href="http://viewer.zmags.com/publication/acc6f27d?page=24"> 24 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 25" href="http://viewer.zmags.com/publication/acc6f27d?page=25"> 4 Responding to Consumers 25 Target: To i</a> <a title="FSCS Annual Report 2012/13 page 26" href="http://viewer.zmags.com/publication/acc6f27d?page=26"> 26 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 27" href="http://viewer.zmags.com/publication/acc6f27d?page=27"> 4 Responding to Consumers 27 Can we he</a> <a title="FSCS Annual Report 2012/13 page 28" href="http://viewer.zmags.com/publication/acc6f27d?page=28"> 28 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 29" href="http://viewer.zmags.com/publication/acc6f27d?page=29"> 4 Responding to Consumers 29 Indust</a> <a title="FSCS Annual Report 2012/13 page 30" href="http://viewer.zmags.com/publication/acc6f27d?page=30"> 30 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 31" href="http://viewer.zmags.com/publication/acc6f27d?page=31"> 4 Responding to Consumers 31 </a> <a title="FSCS Annual Report 2012/13 page 32" href="http://viewer.zmags.com/publication/acc6f27d?page=32"> 32 FSCS Annual Report and Accounts 2012/13 We </a> <a title="FSCS Annual Report 2012/13 page 33" href="http://viewer.zmags.com/publication/acc6f27d?page=33"> 5 Raising Awareness of FSCS 33 5 Raising Awar</a> <a title="FSCS Annual Report 2012/13 page 34" href="http://viewer.zmags.com/publication/acc6f27d?page=34"> 34 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 35" href="http://viewer.zmags.com/publication/acc6f27d?page=35"> 5 Raising Awareness of FSCS 35 Mys</a> <a title="FSCS Annual Report 2012/13 page 36" href="http://viewer.zmags.com/publication/acc6f27d?page=36"> 36 Quote Quote Quote FSCS</a> <a title="FSCS Annual Report 2012/13 page 37" href="http://viewer.zmags.com/publication/acc6f27d?page=37"> 5 Raising Awareness of FSCS 37 </a> <a title="FSCS Annual Report 2012/13 page 38" href="http://viewer.zmags.com/publication/acc6f27d?page=38"> 38 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 39" href="http://viewer.zmags.com/publication/acc6f27d?page=39"> 5 Raising Awareness of FSCS 39 lose Quote</a> <a title="FSCS Annual Report 2012/13 page 40" href="http://viewer.zmags.com/publication/acc6f27d?page=40"> 40 FSCS Annual Report and Accounts 2012/13 We </a> <a title="FSCS Annual Report 2012/13 page 41" href="http://viewer.zmags.com/publication/acc6f27d?page=41"> 6 FSCS Finances 41 6 FSCS Finances: Compensat</a> <a title="FSCS Annual Report 2012/13 page 42" href="http://viewer.zmags.com/publication/acc6f27d?page=42"> 42 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 43" href="http://viewer.zmags.com/publication/acc6f27d?page=43"> 6 FSCS Finances 43 Compensation payment</a> <a title="FSCS Annual Report 2012/13 page 44" href="http://viewer.zmags.com/publication/acc6f27d?page=44"> 44 Write Open Open Write Ope</a> <a title="FSCS Annual Report 2012/13 page 45" href="http://viewer.zmags.com/publication/acc6f27d?page=45"> 6 FSCS Finances 45 Write Open Ope</a> <a title="FSCS Annual Report 2012/13 page 46" href="http://viewer.zmags.com/publication/acc6f27d?page=46"> 46 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 47" href="http://viewer.zmags.com/publication/acc6f27d?page=47"> 6 FSCS Finances 47 Write Open Ope</a> <a title="FSCS Annual Report 2012/13 page 48" href="http://viewer.zmags.com/publication/acc6f27d?page=48"> 48 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 49" href="http://viewer.zmags.com/publication/acc6f27d?page=49"> 6 FSCS Finances 49 Management expe</a> <a title="FSCS Annual Report 2012/13 page 50" href="http://viewer.zmags.com/publication/acc6f27d?page=50"> 50 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 51" href="http://viewer.zmags.com/publication/acc6f27d?page=51"> 6 FSCS Finances 51 FSCS running costs</a> <a title="FSCS Annual Report 2012/13 page 52" href="http://viewer.zmags.com/publication/acc6f27d?page=52"> 52 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 53" href="http://viewer.zmags.com/publication/acc6f27d?page=53"> 6 FSCS Finances 53 prospect of divi</a> <a title="FSCS Annual Report 2012/13 page 54" href="http://viewer.zmags.com/publication/acc6f27d?page=54"> 54 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 55" href="http://viewer.zmags.com/publication/acc6f27d?page=55"> 6 FSCS Finances 55 Recoveries (excluding </a> <a title="FSCS Annual Report 2012/13 page 56" href="http://viewer.zmags.com/publication/acc6f27d?page=56"> 56 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 57" href="http://viewer.zmags.com/publication/acc6f27d?page=57"> 6 FSCS Finances 57 Case stu</a> <a title="FSCS Annual Report 2012/13 page 58" href="http://viewer.zmags.com/publication/acc6f27d?page=58"> 58 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 59" href="http://viewer.zmags.com/publication/acc6f27d?page=59"> 6 FSCS Finances 59 What FSCS levie</a> <a title="FSCS Annual Report 2012/13 page 60" href="http://viewer.zmags.com/publication/acc6f27d?page=60"> 60 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 61" href="http://viewer.zmags.com/publication/acc6f27d?page=61"> 7 Enhancing FSCS Capabilities 61 7 Enhancing </a> <a title="FSCS Annual Report 2012/13 page 62" href="http://viewer.zmags.com/publication/acc6f27d?page=62"> 62 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 63" href="http://viewer.zmags.com/publication/acc6f27d?page=63"> 7 Enhancing FSCS Capabilities 63 E</a> <a title="FSCS Annual Report 2012/13 page 64" href="http://viewer.zmags.com/publication/acc6f27d?page=64"> 64 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 65" href="http://viewer.zmags.com/publication/acc6f27d?page=65"> 7 Enhancing FSCS Capabilities 65 P</a> <a title="FSCS Annual Report 2012/13 page 66" href="http://viewer.zmags.com/publication/acc6f27d?page=66"> 66 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 67" href="http://viewer.zmags.com/publication/acc6f27d?page=67"> 7 Enhancing FSCS Capabilities 67 F</a> <a title="FSCS Annual Report 2012/13 page 68" href="http://viewer.zmags.com/publication/acc6f27d?page=68"> 68 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 69" href="http://viewer.zmags.com/publication/acc6f27d?page=69"> 7 Enhancing FSCS Capabilities 69 C</a> <a title="FSCS Annual Report 2012/13 page 70" href="http://viewer.zmags.com/publication/acc6f27d?page=70"> 70 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 71" href="http://viewer.zmags.com/publication/acc6f27d?page=71"> 8 Developing Our People 71 8 Developing Our P</a> <a title="FSCS Annual Report 2012/13 page 72" href="http://viewer.zmags.com/publication/acc6f27d?page=72"> 72 FSCS Annual Report and Accounts 2012/13 ‘ F</a> <a title="FSCS Annual Report 2012/13 page 73" href="http://viewer.zmags.com/publication/acc6f27d?page=73"> 8 Developing Our People 73 FSCS empl</a> <a title="FSCS Annual Report 2012/13 page 74" href="http://viewer.zmags.com/publication/acc6f27d?page=74"> 74 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 75" href="http://viewer.zmags.com/publication/acc6f27d?page=75"> 8 Developing Our People 75 The FSCS P</a> <a title="FSCS Annual Report 2012/13 page 76" href="http://viewer.zmags.com/publication/acc6f27d?page=76"> 76 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 77" href="http://viewer.zmags.com/publication/acc6f27d?page=77"> 8 Developing Our People 77</a> <a title="FSCS Annual Report 2012/13 page 78" href="http://viewer.zmags.com/publication/acc6f27d?page=78"> 78 FSCS Annual Report and Accounts 2012/13</a> <a title="FSCS Annual Report 2012/13 page 79" href="http://viewer.zmags.com/publication/acc6f27d?page=79"> 9 Our Governance 79 9 Our Governance FSCS i</a> <a title="FSCS Annual Report 2012/13 page 80" href="http://viewer.zmags.com/publication/acc6f27d?page=80"> 80 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 81" href="http://viewer.zmags.com/publication/acc6f27d?page=81"> 9 Our Governance 81 John (M</a> <a title="FSCS Annual Report 2012/13 page 82" href="http://viewer.zmags.com/publication/acc6f27d?page=82"> 82 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 83" href="http://viewer.zmags.com/publication/acc6f27d?page=83"> 9 Our Governance 83 Anthony Ashford – retired</a> <a title="FSCS Annual Report 2012/13 page 84" href="http://viewer.zmags.com/publication/acc6f27d?page=84"> 84 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 85" href="http://viewer.zmags.com/publication/acc6f27d?page=85"> 9 Our Governance 85 Secretariat</a> <a title="FSCS Annual Report 2012/13 page 86" href="http://viewer.zmags.com/publication/acc6f27d?page=86"> 86 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 87" href="http://viewer.zmags.com/publication/acc6f27d?page=87"> 9 Our Governance 87 Appointments a</a> <a title="FSCS Annual Report 2012/13 page 88" href="http://viewer.zmags.com/publication/acc6f27d?page=88"> 88 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 89" href="http://viewer.zmags.com/publication/acc6f27d?page=89"> 9 Our Governance 89 performance an</a> <a title="FSCS Annual Report 2012/13 page 90" href="http://viewer.zmags.com/publication/acc6f27d?page=90"> 90 FSCS Annual Report and Accounts 2012/13 ‘ D</a> <a title="FSCS Annual Report 2012/13 page 91" href="http://viewer.zmags.com/publication/acc6f27d?page=91"> 9 Our Governance 91 The Committee’</a> <a title="FSCS Annual Report 2012/13 page 92" href="http://viewer.zmags.com/publication/acc6f27d?page=92"> 92 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 93" href="http://viewer.zmags.com/publication/acc6f27d?page=93"> 9 Our Governance 93 Attendance at Bo</a> <a title="FSCS Annual Report 2012/13 page 94" href="http://viewer.zmags.com/publication/acc6f27d?page=94"> 94 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 95" href="http://viewer.zmags.com/publication/acc6f27d?page=95"> 9 Our Governance 95 overseei</a> <a title="FSCS Annual Report 2012/13 page 96" href="http://viewer.zmags.com/publication/acc6f27d?page=96"> 96 FSCS Annual Report and Accounts 2012/13 ‘ T</a> <a title="FSCS Annual Report 2012/13 page 97" href="http://viewer.zmags.com/publication/acc6f27d?page=97"> 9 Our Governance 97 Compliance wit</a> <a title="FSCS Annual Report 2012/13 page 98" href="http://viewer.zmags.com/publication/acc6f27d?page=98"> 98 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 99" href="http://viewer.zmags.com/publication/acc6f27d?page=99"> 9 Our Governance 99</a> <a title="FSCS Annual Report 2012/13 page 100" href="http://viewer.zmags.com/publication/acc6f27d?page=100"> 100 FSCS Annual Report and Accounts 2012/13</a> <a title="FSCS Annual Report 2012/13 page 101" href="http://viewer.zmags.com/publication/acc6f27d?page=101"> 10 Directors’ Report and Accounts 101 10 Dire</a> <a title="FSCS Annual Report 2012/13 page 102" href="http://viewer.zmags.com/publication/acc6f27d?page=102"> 102 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 103" href="http://viewer.zmags.com/publication/acc6f27d?page=103"> 10 Directors’ Report and Accounts 103 Fixed</a> <a title="FSCS Annual Report 2012/13 page 104" href="http://viewer.zmags.com/publication/acc6f27d?page=104"> 104 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 105" href="http://viewer.zmags.com/publication/acc6f27d?page=105"> 10 Directors’ Report and Accounts 105 Indep</a> <a title="FSCS Annual Report 2012/13 page 106" href="http://viewer.zmags.com/publication/acc6f27d?page=106"> 106 FSCS Annual Report and Accounts 2012/13 Re</a> <a title="FSCS Annual Report 2012/13 page 107" href="http://viewer.zmags.com/publication/acc6f27d?page=107"> 10 Directors’ Report and Accounts 107 Matte</a> <a title="FSCS Annual Report 2012/13 page 108" href="http://viewer.zmags.com/publication/acc6f27d?page=108"> 108 FSCS Annual Report and Accounts 2012/13 Fi</a> <a title="FSCS Annual Report 2012/13 page 109" href="http://viewer.zmags.com/publication/acc6f27d?page=109"> 10 Directors’ Report and Accounts 109 Balan</a> <a title="FSCS Annual Report 2012/13 page 110" href="http://viewer.zmags.com/publication/acc6f27d?page=110"> 110 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 111" href="http://viewer.zmags.com/publication/acc6f27d?page=111"> 10 Directors’ Report and Accounts 111 Notes to</a> <a title="FSCS Annual Report 2012/13 page 112" href="http://viewer.zmags.com/publication/acc6f27d?page=112"> 112 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 113" href="http://viewer.zmags.com/publication/acc6f27d?page=113"> 10 Directors’ Report and Accounts 113 g) Fo</a> <a title="FSCS Annual Report 2012/13 page 114" href="http://viewer.zmags.com/publication/acc6f27d?page=114"> 114 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 115" href="http://viewer.zmags.com/publication/acc6f27d?page=115"> 10 Directors’ Report and Accounts 115 3 Acc</a> <a title="FSCS Annual Report 2012/13 page 116" href="http://viewer.zmags.com/publication/acc6f27d?page=116"> 116 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 117" href="http://viewer.zmags.com/publication/acc6f27d?page=117"> 10 Directors’ Report and Accounts 117 5 Sta</a> <a title="FSCS Annual Report 2012/13 page 118" href="http://viewer.zmags.com/publication/acc6f27d?page=118"> 118 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 119" href="http://viewer.zmags.com/publication/acc6f27d?page=119"> 10 Directors’ Report and Accounts 119 At 31</a> <a title="FSCS Annual Report 2012/13 page 120" href="http://viewer.zmags.com/publication/acc6f27d?page=120"> 120 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 121" href="http://viewer.zmags.com/publication/acc6f27d?page=121"> 10 Directors’ Report and Accounts 121 Actua</a> <a title="FSCS Annual Report 2012/13 page 122" href="http://viewer.zmags.com/publication/acc6f27d?page=122"> 122 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 123" href="http://viewer.zmags.com/publication/acc6f27d?page=123"> 10 Directors’ Report and Accounts 123 7 Dir</a> <a title="FSCS Annual Report 2012/13 page 124" href="http://viewer.zmags.com/publication/acc6f27d?page=124"> 124 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 125" href="http://viewer.zmags.com/publication/acc6f27d?page=125"> 10 Directors’ Report and Accounts 125 11 Co</a> <a title="FSCS Annual Report 2012/13 page 126" href="http://viewer.zmags.com/publication/acc6f27d?page=126"> 126 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 127" href="http://viewer.zmags.com/publication/acc6f27d?page=127"> 10 Directors’ Report and Accounts 127 13 De</a> <a title="FSCS Annual Report 2012/13 page 128" href="http://viewer.zmags.com/publication/acc6f27d?page=128"> 128 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 129" href="http://viewer.zmags.com/publication/acc6f27d?page=129"> 10 Directors’ Report and Accounts 129 15 Cr</a> <a title="FSCS Annual Report 2012/13 page 130" href="http://viewer.zmags.com/publication/acc6f27d?page=130"> 130 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 131" href="http://viewer.zmags.com/publication/acc6f27d?page=131"> 10 Directors’ Report and Accounts 131 Loan </a> <a title="FSCS Annual Report 2012/13 page 132" href="http://viewer.zmags.com/publication/acc6f27d?page=132"> 132 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 133" href="http://viewer.zmags.com/publication/acc6f27d?page=133"> 10 Directors’ Report and Accounts 133 18 Pa</a> <a title="FSCS Annual Report 2012/13 page 134" href="http://viewer.zmags.com/publication/acc6f27d?page=134"> 134 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 135" href="http://viewer.zmags.com/publication/acc6f27d?page=135"> 10 Directors’ Report and Accounts 135 23 An</a> <a title="FSCS Annual Report 2012/13 page 136" href="http://viewer.zmags.com/publication/acc6f27d?page=136"> 136 FSCS Annual Report and Accounts 2012/13 </a> <a title="FSCS Annual Report 2012/13 page 137" href="http://viewer.zmags.com/publication/acc6f27d?page=137"> 10 Directors’ Report and Accounts 137 Financia</a> <a title="FSCS Annual Report 2012/13 page 138" href="http://viewer.zmags.com/publication/acc6f27d?page=138"> 138 FSCS Annual Report and Accounts 2012/13 FS</a> <a title="FSCS Annual Report 2012/13 page 139" href="http://viewer.zmags.com/publication/acc6f27d?page=139"> 10 Directors’ Report and Accounts 139 </a> <a title="FSCS Annual Report 2012/13 page 140" href="http://viewer.zmags.com/publication/acc6f27d?page=140"> 140 FSCS Annual Report and Accounts 2012/13 FS</a> <a title="FSCS Annual Report 2012/13 page 141" 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