The Consumer Credit (Information Requirements and Duration of Licences and Charges) Regulations 2007

[^M_F_71d14e69-882b-48ee-fb2b-050af1f57f23]: Words in reg. 6 inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(a)

[^M_F_48f7feda-9cef-4bbd-ed74-2abee5a56655]: Reg. 7(za) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(b)(i)

[^M_F_c5fedcc1-78b8-4f70-a49c-6e42392188dc]: Reg. 7(cc) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(b)(ii)

[^M_F_221330d5-af1b-494f-eea3-572add06ba57]: Reg. 9(2) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(c)(i)

[^M_F_0ef998d5-2f8e-4262-95a9-3a8e173ec57c]: Reg. 9(3) omitted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(c)(ii)

[^M_F_2b2305fd-e3ab-4ebd-8c14-fc11222c5f2a]: Words in reg. 10 inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(d)

[^M_F_9bbb517e-ebba-4f91-f9bb-34ea3fd929e4]: Word in reg. 12(2) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(e)(i)

[^M_F_7c41dda3-6806-4895-ec50-85f60df17c9d]: Reg. 12(3) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(e)(ii)

[^M_F_5d781b38-1d54-4c2e-e69d-0216c34d27a7]: Reg. 14 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(f)

[^M_F_cda01eb2-2491-4c08-a6ce-636791b09512]: Reg. 15 omitted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(g)

[^M_F_68c0717d-722d-4ae2-e180-ccb468be0912]: Reg. 16 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(h)

[^M_F_b8fd1c83-fb1d-4f23-80a6-3e714ddb8c16]: Word in reg. 17 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(i)

[^M_F_cdf8cdb4-baee-4813-ca0d-08b27bb2db11]: Words in reg. 19(1)(a) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(j)(i)

[^M_F_30850aed-47eb-4c1a-cf28-b7c6957755de]: Words in reg. 19(2)(c) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(j)(ii)

[^M_F_25b7c81d-9d6a-4ad4-e8de-18ec56aa26fa]: Words in reg. 19(3) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(j)(iii)

[^M_F_9b35ab20-bb6a-4d6b-d3ef-aaadab7f8684]: Reg. 19(3A) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(j)(iv)

[^M_F_827a02c5-cf18-4456-c34c-d9aab3a30bf1]: Reg. 20(3)(a) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(k)

[^M_F_85ad13d7-8f7e-46f4-909b-5bffe9fc2ca7]: Words in reg. 21 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(l)

[^M_F_de971fc8-b6c2-43e9-efed-06d34c5a1b3d]: Words in reg. 22 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(m)(i)

[^M_F_51bfcb3f-4885-4589-ad80-7c6e8363e4dd]: Word in reg. 22(a)(i) omitted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(m)(ii)(aa)

[^M_F_f32f7124-b062-40ad-9a85-dc846d837202]: Reg. 22(a)(ia) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(m)(ii)(bb)

[^M_F_5a7d5304-63b0-4e95-9900-d51b4ce1f7ee]: Words in reg. 22(a) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(m)(ii)(cc)

[^M_F_1987b73e-0ca8-4d54-a6e9-43b575b92484]: Reg. 23(c) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(n)

[^M_F_94fa90a3-512e-496d-bdc8-b003034cf041]: Reg. 38(2)(a) omitted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(o)

[^M_F_8b77c6b6-586c-4dc3-d29b-f5ab33a7de53]: Words in reg. 40(1) inserted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(p)

[^M_F_ba3d9692-d1b7-4bc8-c6f5-91e3e803e6d8]: Reg. 50(2) substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(q)

[^key-476ac185607e7bff3fa2f94bff570f02]: Words in Sch. 3 para. 8 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(r)(i)

[^key-02315c94931cf810cff160b6aa3d33f9]: Words in Sch. 3 para. 10 added (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(r)(ii)

[^key-ae4a3adbafe265e43e6d904fd2346081]: Sch. 5 para. 6 substituted (1.10.2008) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2008 (S.I. 2008/1751), regs. 1, 2(s)

[^M_F_a44815aa-71c4-4435-bcbf-73500478414f]: Reg. 11 revoked (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), arts. 1, 7

[^key-9edad7340ae77af4147e241803660dfb]: Sch. 1 Pt. 2A inserted (28.1.2013) by The Consumer Credit (Green Deal) Regulations 2012 (S.I. 2012/2798), reg. 1(b), Sch. para. 4(5)

[^M_F_b530122b-734c-44d4-f054-e2c5470e8323]: Words in reg. 2 inserted (28.1.2013) by The Consumer Credit (Green Deal) Regulations 2012 (S.I. 2012/2798), reg. 1(b), Sch. para. 4(2)

[^M_F_749d30a0-92a0-4512-9071-850167fb6a02]: Words in reg. 4(b) inserted (28.1.2013) by The Consumer Credit (Green Deal) Regulations 2012 (S.I. 2012/2798), reg. 1(b), Sch. para. 4(3)

[^M_F_9fb66da2-60b9-45a8-c3d3-b3a93c1263a4]: Reg. 4(ba) inserted (28.1.2013) by The Consumer Credit (Green Deal) Regulations 2012 (S.I. 2012/2798), reg. 1(b), Sch. para. 4(4)

[^key-3e010b0af828e848ff63fc75b0a02b63]: Words in reg. 26 substituted (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 11(2)

[^key-ba1800300ef8e9a24887d5d74b314be8]: Reg. 42 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 25

[^key-e63d5e48aa37ddd2a2ea354a26e52118]: Reg. 43 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 25

[^key-041e2c3467208e053ea00b0fe73e7314]: Words in Sch. 5 para. 6 substituted (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 11(4)

[^key-fac1d96ce3a84cdee8f2daa38d2a62d2]: Words in Sch. 3 Pt. 5 substituted (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 11(3)

[^key-420fce6ee95208cc30129fca1ebf03e1]: Reg. 1A inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(2)

[^key-497a820777112cb5994d9529f00aaa33]: Regs. 10A-10C inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(5)

[^key-f81829e1cc7a4daffcdad7d6e2312ddc]: Reg. 41A inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(6)

[^key-b6a765886a82616aaa851d91b6e44540]: Sch. 1 para. 3A inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(a)

[^key-e558c0f19722da80471f7424e367982f]: Sch. 1 Pt. 2A heading substituted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(b)

[^key-688074cc7edd3d5d7df07c20a5c828d9]: Words in reg. 2 inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(3)

[^M_F_76f1174f-186f-49f2-9c2c-272be3c3e616]: Sch. 1 Pt. 1A inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(a)

[^M_F_1bc92656-c12e-4eef-f455-d88cfacde1b1]: Words "“Your Green Deal Plan This credit agreement is part of a Green Deal Plan. Regular instalments are therefore collected through the electricity bill for this property. To keep this credit agreement up to date, it is important that your electricity bill is paid on time and as agreed with your electricity supplier. The bill payer or bill payers remain free to change the payment method and payment schedule of the electricity bill in line with the electricity supplier’s policies, without any penalty or extra charges. If you wish to change payment frequency, you are advised to contact the electricity supplier directly.” inserted after “Each of the following forms of wording shall be contained in a statement under this Part—” (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(c)(i)

[^M_F_13d15810-fd56-4e91-a44b-e2f974470be6]: Words “Green Deal" substituted for “Energy” after “Financial Ombudsman or the” (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(c)(ii)

[^M_F_01c4870c-f305-4e5a-f8df-cad9469db3a9]: Word “could” inserted before "cost you more to pay off” (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(c)(iii)

[^M_F_e3fd84a3-f653-4065-91e2-25ade4646514]: Words "“Payments This statement may not include a payment, or payments, made recently to the electricity supplier which has not yet been passed on to us.”;“Previous bill payers’ payments and arrears This statement does not contain information about payments made and arrears incurred by previous bill payers before the date on which the current bill payer or bill payers became liable for payments.”" inserted after “Citizens Advice service.” (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(7)(c)(iv)

[^M_F_d759c9a3-a16a-4b91-b79a-2e48eeb51464]: Words in reg. 4 inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(4)(a)

[^M_F_f176d1e5-7c8a-4975-d272-d86021b28423]: Words in reg. 4(a) inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(4)(b)

[^M_F_ffe99102-1004-4f33-c31d-771395e96927]: Reg. 4(aa) inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(4)(c)

[^M_F_603cda76-d470-430d-d099-af57b9d5eb5c]: Word in reg. 4(b) omitted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(4)(d)

[^M_F_00acdc5f-b1d9-4c25-ba4f-4363bf364264]: Words in reg. 4(ba) inserted (26.9.2014) by The Consumer Credit (Information Requirements and Duration of Licences and Charges) (Amendment) Regulations 2014 (S.I. 2014/2369), regs. 1, 2(4)(e)

PART 2A — ADDITIONAL INFORMATION TO BE INCLUDED IN STATEMENTS RELATING TO GREEN DEAL PLANS MADE BEFORE 28TH FEBRUARY 2014 AND GREEN DEAL CONSUMER CREDIT AGREEMENTS

4A

Each of the following forms of wording shall be contained in a statement under this Part—

Application

1A

The following do not apply in relation to Northern Ireland—

• (a) regulation 4(aa) and (ba);

• (b) regulation 10A;

• (c) regulation 10B;

• (d) regulation 10C;

• (e) regulation 41A;

• (f) paragraph 3A of Part 1 of Schedule 1.

Interpretation

Content of statements provided in relation to fixed-sum credit agreements

10A

• (1) This regulation applies to a statement provided in relation to a green deal consumer credit agreement.

• (2) The statement must not include information relating to a person who, at the time the statement is produced, is no longer a current bill payer, and must only show payments into, and movements in, the account of the current bill payer relating to the agreement.

• (3) The balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment before the current bill payer became the current bill payer, was paid on time.

• (4) In any case where—

• (a) there was more than one current bill payer in the period to which a previous statement related; and

• (b) any one or more of them is no longer a current bill payer;

the balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment by a person who is no longer a current bill payer, was paid on time.

• (5) In any case where a current bill payer switched relevant energy supplier during the period to which the statement relates—

• (a) the balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment before the date of the switch, was paid on time; and

• (b) the statement must include a form of wording informing the current bill payer that any liability owing before the date of the switch is not shown on the statement but remains owing to the creditor, and will be collected by the previous relevant energy supplier.

10B

• (1) This regulation applies to a statement provided in relation to a green deal plan made before 28th February 2014.

• (2) The statement must not include information relating to a person other than the debtor, and must only show payments into, and movements in, the account of the debtor relating to the agreement.

• (3) The balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment before the debtor became the debtor, was paid on time.

• (4) In any case where—

• (a) there was more than one debtor in the period to which a previous statement related; and

• (b) any one or more of them is no longer the debtor;

the balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment by a person who is no longer the debtor, was paid on time.

• (5) In any case where the debtor switched relevant energy supplier during the period to which the statement relates—

• (a) the balances required by paragraphs 3(f) and 3(j) of Part 1 of Schedule 1 are to be calculated or based on the assumption that any liability which fell due for payment before the date of the switch, was paid on time; and

• (b) the statement must include a form of wording informing the debtor that any liability owing before the date of the switch is not shown on the statement but remains owing to the creditor, and will be collected by the previous relevant energy supplier.

10C

• (1) This regulation applies to a statement provided in relation to a green deal plan made before 28th February 2014 or a green deal consumer credit agreement, where—

• (a) the creditor has been informed by the relevant energy supplier that the current bill payer has taken his supply of electricity through a prepayment meter during part or all of the period to which the statement relates; and

• (b) the creditor has not been informed of either or both of the following—

• (i) the date on which a payment is made into the account of the current bill payer relating to the agreement;

• (ii) the amount of a payment made into that account.

• (2) The following information in Part 1 of Schedule 1 may, to the extent necessary as a result of the creditor not being informed of any of the information referred to in paragraph (1)(b), be based on the assumption that the current bill payer paid the amount accruing under the green deal plan during the period to which the statement relates—

• (a) in paragraph 3(g), dates and amounts of payments;

• (b) in paragraph 3(h), interest or other charges;

• (c) in paragraph 3(j), the balance under the agreement at the end of the period to which the statement relates.

• (3) The information required by paragraph 3(f) of Part 1 of Schedule 1 may, to the extent necessary as a result of the creditor not being informed of any of the information referred to in paragraph (1)(b), be based on the assumption that the person who was the current bill payer for the period preceding the period to which the statement relates paid the amount accruing under the green deal plan during that preceding period.

• (4) The information mentioned in paragraph (2)(a), and the information mentioned in paragraph (2)(b), may be aggregated in each case on a monthly basis.

• (5) Where a statement is produced in reliance on paragraphs (2), (3) or (4), the statement must include a form of wording informing the current bill payer of this, and clearly explaining the effect of the paragraph, or paragraphs, relied on.

• (6) For the purposes of this regulation, where a payment is made into the account of the current bill payer with the relevant energy supplier, that payment is to be treated as made into the account of the current bill payer with the creditor.

Additional information in statements provided in relation to running-account credit agreements

Content of notices of sums in arrears under running-account credit agreements

Giving of notices of default sums

Content of notices of default sums

Amendments to the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983

Content of notices of intention to recover post-judgment interest

Form of notices and statements required under these Regulations

Errors and omissions

41A

• (1) Where a statement relates to a green deal plan made before 28th February 2014, or a green deal consumer credit agreement, and the statement contains an error or omission which arises as a result of one or more of the grounds specified in paragraph (2)—

• (a) the statement shall not breach these Regulations on this ground alone; and

• (b) paragraphs (3) to (5) apply.

• (2) The grounds specified in this paragraph are—

• (a) a failure to provide information to the creditor by, or on behalf of, the relevant energy supplier;

• (b) an error or omission in the information provided to the creditor by, or on behalf of, the relevant energy supplier;

• (c) an error or omission in the information held by the creditor not falling within sub-paragraph (b);

where, at the time of providing the statement, the creditor did not know, and could not reasonably have been expected to know, that the relevant energy supplier had failed to provide information, or provided incorrect information, or that there was an error or omission in the information held by them (as the case may be).

• (3) Where the error or omission resulted in an error in the closing balance of the previous statement, the first statement provided after the creditor becomes aware of the error or omission must include—

• (a) a balance carried forward, which is the closing balance from the previous statement;

• (b) the amount and date of any payment which was omitted from the previous statement in error;

• (c) the amount and date of any adjustment to—

• (i) a payment;

• (ii) an interest or other charge;

• (iii) any other movement in the account of the debtor or the current bill payer relating to the agreement;

which was incorrectly shown in the previous statement;

• (d) an opening balance, which is the amount required by sub-paragraph (a) adjusted, as necessary, to take account of the amounts required to be included by virtue of sub-paragraphs (b) and (c).

• (4) Subject to regulation 41, where the error or omission did not result in an error in the closing balance of the previous statement, the first statement provided after the creditor becomes aware of the error or omission must identify and correct that error or omission (as the case may be).

• (5) Where a statement is produced in reliance on paragraphs (3) or (4), the statement must include a form of wording clearly explaining the effect of paragraph (3), or (4) (as the case may be).

Duration of licences and charges

Revocation of superseded provisions

Transitional provisions

3A

In this Part, where a statement relates to a green deal consumer credit agreement, a payment made into the account of the current bill payer with the relevant energy supplier, is to be treated as made into the account of the current bill payer with the creditor relating to the agreement.

PART 1A — ADDITIONAL INFORMATION TO BE INCLUDED IN STATEMENTS RELATING TO GREEN DEAL PLANS MADE BEFORE 28TH FEBRUARY 2014

3B

The balance under the agreement at the end of the period to which the statement relates, which is to be based on the assumption that all liabilities which fell due during the period to which the statement relates have been paid.