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SCHEDULES

SCHEDULE 12U.K. Schemes for Investigation of Complaints

Part IIU.K. Requirements for Recognised Schemes:Matters of Complaint

Share accountsU.K.

1The operation or termination of a share account and the grant or refusal to grant a shareholder other facilities normally available to shareholders of his description.

Note: The operation or termination of a share account includes any aspect of the relationship or termination of the relationship between the society and a shareholder as such and in particular the operation or termination of any services incidental to such accounts.

Note: The grant of facilities includes the terms on which they are granted.