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2010 Prospectus
Leeds Building Society (incorporated in England and Wales under the Building Societies Act 1986, as amended) €7 billion Global Covered Bond Programme unconditionally and irrevocably guaranteed as to payments of interest and principal by Leeds Building Society Covered Bonds Limited Liability Partnership (a limited liability partnership incorporated in England and Wales) Under this €7 billion covered bond programme (the Programme), Leeds Building Society (the Issuer) may from time to time issue bonds (the Covered Bonds) denominated in any currency agreed between the Issuer and the relevant Dealer(s) (as defined below). The price and amount of the Covered Bonds to be issued under the Programme will be determined by the Issuer and the relevant Dealer at the time of issue in accordance with prevailing market conditions. Leeds Building Society Covered Bonds LLP (the LLP) has guaranteed payments of interest and principal under the Covered Bonds pursuant to a guarantee which is secured over the Portfolio (as defined below) and its other assets. Recourse against the LLP under its guarantee is limited to the Portfolio and such assets. Covered Bonds may be issued in bearer or registered form. The maximum aggregate nominal amount of all Covered Bonds from time to time outstanding under the Programme will not exceed €7 billion (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Covered Bonds may be issued on a continuing basis to one or more of the Dealers specified under "Overview of the Programme" and any additional Dealer appointed under the Programme from time to time by the Issuer (each, a Dealer and together, the Dealers), which appointment may be in relation to a specific issue or on an ongoing basis. -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
Reflections on Northern Rock: the Bank Run That Heralded the Global
Journal of Economic Perspectives—Volume 23, Number 1—Winter 2009—Pages 101–119 Reflections on Northern Rock: The Bank Run that Heralded the Global Financial Crisis Hyun Song Shin n September 2007, television viewers and newspaper readers around the world saw pictures of what looked like an old-fashioned bank run—that is, I depositors waiting in line outside the branch offices of a United Kingdom bank called Northern Rock to withdraw their money. The previous U.K. bank run before Northern Rock was in 1866 at Overend Gurney, a London bank that overreached itself in the railway and docks boom of the 1860s. Bank runs were not uncommon in the United States up through the 1930s, but they have been rare since the start of deposit insurance backed by the Federal Deposit Insurance Corporation. In contrast, deposit insurance in the United Kingdom was a partial affair, funded by the banking industry itself and insuring only a part of the deposits—at the time of the run, U.K. bank deposits were fully insured only up to 2,000 pounds, and then only 90 percent of the deposits up to an upper limit of 35,000 pounds. When faced with a run, the incentive to withdraw one’s deposits from a U.K. bank was therefore very strong. For economists, the run on Northern Rock at first seemed to offer a rare opportunity to study at close quarters all the elements involved in their theoretical models of bank runs: the futility of public statements of reassurance, the mutually reinforcing anxiety of depositors, as well as the power of the media in galvanizing and channeling that anxiety through the power of television images. -
Annual Repor T & Accounts
C M Y K www.leedsbuildingsociety.co.uk LEEDS YELLOW 105 Albion Street, Leeds LS1 5AS Tel: 0113 225 7777 Annual Repor t PMS ??? PMS ??? JOB LOCATION: PRINERGY 3 DISCLAIMER Approver The accuracy and the & Accounts content of this file is the responsibility of the Approver. Please authorise approval only if you wish to proceed to print. Communisis PMS cannot accept liability for errors once the file has been printed. Printer This colour bar is produced manually all end user s must check final separations to verify 2012 colours before LDS00013 (03/13) LDS00043-R+A-COVER.indd 1 22/02/2013 13:24 Financial Highlights Where to find us For the year ended 31 December 2012 Aberdeen Harrogate Street Lane Norwich 68 Carden Place, Aberdeen AB10 1UL 12 Oxford Street, Harrogate HG1 1PU 69 Street Lane, Roundhay, Leeds LS8 1AP 6/7 Guildhall Hill, Norwich NR2 1JG Tel: 01224 642641 Tel: 01423 546510 Tel: 0113 225 8720 Tel: 01603 626978 Banbury Huddersfield Wetherby Nottingham 19 High Street, Banbury OX16 5EE 8 Cherry Tree Centre, Market Street, 2 Horsefair Centre, Wetherby LS22 6FL 23 Listergate, Nottingham NG1 7DE Tel: 01295 277912 Huddersfield HD1 2ET Tel: 01937 585768 Tel: 0115 947 2841 Barkingside Tel: 01484 530842 Yeadon Peterborough 84 High Street, Barkingside IG6 2DJ Hull 59 High Street, Yeadon LS19 7SP 2 Queen Street, Peterborough PE1 1PA £10.3 billion Tel: 020 8550 7678 78 Paragon Street, Hull HU1 3PW Tel: 0113 250 6313 Tel: 01733 896565 Barnsley Tel: 01482 224892 Reading total ASSETS 2 Peel Square, Barnsley S70 1YA Kendal 10 Cross Street, Reading -
St.Helens Local Plan Core Strategy Adopted by St.Helens Council on 31St October 2012
LDF43E LocalSt.Helens Development Local Plan Framework CCoreore StrategyStrategy PublicationOctober 2012 Version – May 2009 St.Helens Local Plan Core Strategy Adopted by St.Helens Council on 31st October 2012. St.Helens Local Plan Core Strategy Foreword Foreword from St.Helens Local Strategic Partnership and the Cabinet Member for iii Urban Regeneration, Housing and Culture How to Use this Document v Introduction 1 Introduction 2 St.Helens Now 2 Context 14 3 Issues, Problems and Challenges 22 St.Helens in 2027 4 St.Helens in 2027 28 Regenerating St.Helens 5 The Key Diagram 36 6 Overall Spatial Strategy 38 7 St.Helens Core Area 48 8 St.Helens Central Spatial Area 54 9 Newton-le-Willows and Earlestown 62 10 Haydock and Blackbrook 78 11 Rural St.Helens 84 Achieving the Vision 12 Ensuring Quality Development in St.Helens 90 13 Creating an Accessible St.Helens 96 14 Providing Quality Housing in St.Helens 104 15 Ensuring a Strong and Sustainable St.Helens Economy 118 16 Safeguarding and Enhancing Quality of Life in St.Helens 126 17 Minerals and Waste 140 Appendices 1 Appendix 1: Delivery and Monitoring Strategy 146 2 Appendix 2: Bibliography 170 3 Appendix 3: Glossary of Terms 178 4 Appendix 4: Saved UDP policies to be replaced by the Core Strategy 192 St.Helens Local Development Framework St.Helens Local Plan Core Strategy Policies Policy CSS 1 Overall Spatial Strategy 38 Policy CIN 1 Meeting St.Helens' Infrastructure Needs 43 Policy CSD 1 National Planning Policy Framework - Presumption in Favour 44 of Sustainable Development Policy CAS 1 -
Earlestown - Manchester - Manchester Airport Saturday 17 and Sunday 18 October Saturday 17 October
Liverpool - Earlestown - Manchester - Manchester Airport Saturday 17 and Sunday 18 October Saturday 17 October bus bus B bus B Liverpool Lime Street d - 0542 0546 - 0636 0645 - 0715 0736 0743 Edge Hill - - 0550 - - 0649 - 0719 - 0747 Wavertree Technology Park - - 0552 - - 0652 - 0721 - 0750 Broad Green - - 0555 - - 0655 - 0724 - 0753 Roby - - 0558 - - 0658 - 0727 - 0756 Huyton a - 0552 0600 - 0645 0700 - 0729 0745 0758 d 0510 0552 0601 0610 0645 0700 0710 0730 0745 0759 Prescot - - 0605 - - 0704 - - - 0804 Eccleston Park - - 0607 - - 0706 - - - 0806 Thatto Heath - - 0610 - - 0709 - - - 0809 St. Helens Central - 0600 0614 - 0653 0713 - 0738 0753 0813 Garswood - 0606 0620 - - 0719 - - - 0819 Bryn - - 0623 - - 0722 - - - 0822 Wigan North Western a - 0617 0632 - 0706 0731 - - 0805 0831 Whiston 0520 - - 0620 - - 0720 - - - Rainhill 0530 - - 0630 - - 0730 - - - Lea Green 0537 - - 0637 - - 0737 - - - St. Helens Junction a 0542 - - 0642 - - 0742 - - - St. Helens Junction d 0542 - - 0642 - - 0742 - - - Earlestown 0554 - - 0654 - - 0754 - - - Warrington Bank Quay a - - - - - - - - - - Newton-le-Willows 0602 - - 0702 - - 0802 - - - Patricroft 0632 - - 0732 - - 0832 - - - Eccles a 0642 - - 0742 - - 0842 - - - d 0642 - - 0742 - - 0842 - - - Manchester Victoria a - - - - - - - - - - Manchester Oxford Road a 0657 - - 0757 - - 0857 - - - Manchester Piccadilly a - - - - - - - - - - Manchester Airport a - - - - - - - - - - bus bus B bus bus B Liverpool Lime Street d - 0815 - 0836 0845 - 0915 - 0936 0945 Edge Hill - 0819 - - 0849 - 0919 - - 0949 Wavertree -
Instructions to Your Bank Or Building Society to Pay by Direct Debit
Instructions to your Bank or Building Society Originator's Identification Number to pay by Direct Debit 88 30 08 Please fill in the whole form and send it to your Halifax branch 1. Name and full postal address of your bank or building society branch To: The Manager bank or building society Address Postcode 2. Name(s) of account holder(s) 5. Halifax reference number (from which funds will be paid) 6. Instruction to your bank or building society Please pay Halifax direct debits from the account detailed 3. Branch sort code on this instruction subject to the safeguards assured by (from the top right hand corner of your cheque) The Direct Debit Guarantee. I understand that this instruction may be retained by Halifax and if so, details will be passed electronically to my bank/building society. 4. Bank/building society account number Signature(s) Banks and building societies may not accept direct debit Date instructions for some types of account. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Customer Name Address This question only applies to mortgage customers whose household insurance premiums are added to their mortgage account. 7. Would you like your monthly repayment to include one twelfth of your property insurance premium? Yes No Tear-off slip to be retained by Halifax This guarantee should be detached and retained by the payer The Direct Debit Guarantee • This guarantee is offered by all banks and building societies that take part in the Direct Debit Scheme. -
Unit Medic Aids 29 Blackberry Lane, Hasbury, Halesowen, West Midlands
SAFETY DATA SHEET 1. IDENTIFICATION OF THE PREPARATION AND THE COMPANY. Product name. BIODIS Intended Use: QUATERNARY AMMONIUM BASED SANITISER Supplier: Unit Medic Aids 29 Blackberry Lane, Hasbury, Halesowen, West Midlands. B63 4NX TEL: 01215502222 2. COMPOSITION/INFORMATION ON INGREDIENTS. INGREDIENT: EINECS CAS NO CONTENTS SYMBOL Quaternary Ammonium Compounds 264-151-6 63449-41-2 0-1% C,N 21/22 34 50 C13-15 Alcohol Ethoxylate (7EO) 68131-39-5 0-1% Xn Xi 22, 41,50 3. HAZARDS IDENTIFICATION. Not clasified as Hazardous 4. FIRST AID ACTION (SYMPTOMS) 4. FIRST AID ACTION (ACTION) Eye contact: Promptly wash eyes with plenty of water while lifting the eye lids Skin contact: Wash skin with soap and water Inhalation: Not relevant. Inhalation unlikely Ingestion: Do not induce vomiting. Drink a few classes of water or milk. Get medical attention 5. FIRE FIGHTING MEASURES. Extinguishing Media: This material is not flammable. Use extinguishing media appropriate for surrounding fire. If involved in fire, may emit noxious fumes Fire & Explosion Hazards Protective clothing and respiratory protection should be worn when tackling fires involving this product. 6. ACCIDENTAL RELEASE MEASURES. Peronal precautions: No special protective clothing Large spillages or uncontrolled discharges into rivers or streams must be reported to The Environment Agency or other regulatory body Clean-up procedures: Small quantities may be flushed to drains with plenty of water. Large spills: Absorb in vermiculate, dry sand or earth and place into containers. Send for disposal by approved waste collector. 7. HANDLING AND STORAGE. Handling: No specific usage precautions noted. Store at moderate temperatures in dry, well ventilated area. -
Instruction to Your Bank Or Building Society to Pay by Direct Debit
Instruction to your bank or building society to pay by Direct Debit Please fill in the whole form including official use box using a ballpoint pen and send it to: Service user number Commercial Lending Department, 8 8 8 0 0 9 NRAM, North of England House, 1 Grayling Court, Doxford International Park, For Northern Rock (Asset Management) plc official use only Sunderland This is not part of your instruction to your bank or building society SR3 3BF Name(s) of account holder(s) Branch sort code Bank/building society account number Name and full postal address of your bank or building society Instruction to your bank or building society To the Manager Bank/building society Please pay Northern Rock (Asset Management) plc Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Address Northern Rock (Asset Management) plc and, if so, details will be passed electronically to my bank/building society. Signature(s) Postcode Reference Date Banks and building societies may not accept Direct Debit Instructions for some types of account. ✂ This guarantee should be detached and retained by the Payer The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit Northern Rock (Asset Management) plc will notify you 14 working days in advance of your account being debited or as otherwise agreed. If you request Northern Rock (Asset Management) plc to collect a payment, confirmation of the amount and date will be given to you at time of the request. -
New Members at 12.2106
SCHOOLS FORUM MEMBERSHIP at 1.2.2016 GOVERNORS/Non Schools - 3 year term of office Headteachers/PRU - 3 year term of office 1 May 2013 1 May 2014 1 May 2015 1 November 1 November 1 November Date of SCHOOL MEMBERS DUDLEY SCHOOLS FORUM CONSTITUTION to 30 April to 30 April to 30 April 2013 to 31 2014 to 31 2015 to 31 Appointment 2016 2017 2018 October 2016 October 2017 October 2018 Nursery School Headteachers One nursery headteacher Netherton Park Nursery Mrs Helen Ruffles, Netherton Park Children's Centre, Netherton, Dudley DY2 9QF Nov-13 √ Primary School Headteachers One primary school headteacher for each of the five townships Mrs M Stowe, Crestwood Park, Lapwood Avenue, Crestwood Park Estate, √ Brierley Hill Kingswinford, DY6 8RP Nov-13 Mr Damien Ward, Sledmere Primary, The School Drive, Buffery Road, Dudley, DY2 Central Dudley Nov-15 √ 8EH M/s Pauline Rogers, St Margaret's at Hasbury Church of England Primary School, Halesowen Nov-15 √ Hagley Road, Hasbury, Halesowen, B63 4QD North Dudley Mrs Ruth Wylie, Wrens Nest Primary School, Marigold Crescent, Dudley, DY1 3NX Jan-14 √ Mrs Angela Hannaway , Headteacher, Gigmill Primary, The Broadway, Norton, DY8 Stourbridge Nov-14 √ 3HL. Primary School Governors One primary school governor for each of the five townships Brierley Hill Mr Len Ridney, The Dingle Primary School √ May-13 Mr Brendan Oakley, Sledmere Primary School, Buffery Road, Dudley, West Central Dudley √ May-14 Midlands, DY2 8EH Halesowen Vacant post Halesowen (ex MPW). No Nominations March 15 √ North Dudley Vacant post Dudley North -
2018 Annual Results March 2019 ► Leeds Building Society
Leeds Building Society 2018 Annual Results March 2019 ► Leeds Building Society 2018 Financial Highlights 2018 New Lending & the Mortgage Portfolio Funding, Liquidity and Capital Outlook for 2019 1 Executive Summary Leeds Building Society has continued to build on its strengths and delivered annual growth of 5% and a strong post tax profit performance of £89 million in 2018 Gross mortgage lending was £3.8 billion and was above the Society’s natural market share, net lending was £1.0 billion Issued £200 million of Tier 2 capital, increasing capital resources ahead of the expected future MREL requirement In June, the Prudential Regulation Authority (PRA) granted the Society an Internal Ratings Based (IRB) permission Improved financial stability through further reducing legacy portfolios, via the sale of the Irish mortgage portfolio Colleague engagement improved this year, and the Society’s leadership score was maintained. It continues to be in the top quartile for the financial services industry. The Society gained a two-star award in the Best Companies survey and is the 77th Best Mid Sized Company to work for 2 Our Future Strategy and 2019 Deliverables Vision To be Britain’s most successful building society Our purpose is to help people save and have the home they want. Mission We will continually adapt to anticipate our members’ changing needs and by doing the things we do well, we will help our members get on with life. Strategic Secure Customer Centred Simple Future Facing Pillars & Generate strong, sustainable Deliver an outstanding Drive efficiency by Invest in our capabilities and Corporate profit levels by meeting the member and broker experience removing complexity technology to meet the evolving needs of key segments needs of members Priorities 1. -
CARMEL COLLEGE BUS ROUTES - Contracted by Merseytravel
TRAVELLING TO CARMEL COLLEGE CARMEL COLLEGE BUS ROUTES - contracted by Merseytravel Service 741 Newton-Parr-Sutton-Rainhill-Carmel College Departs Newton: 07.47 From Newton le Willows via Southworth Road, Church Street, High Street, Crow Lane East, Crow Lane West, Common Road, Pennington Lane, Newton Road, Waring Avenue, Fleet Lane, Concourse Way, Berrys Lane, Watery Lane, Hoghton Road, Peckers Hill Road, Robins Lane, New Street, Mill Lane, Leach Lane, Clock Face Road, Gartons Lane, Jubits Lane, Warrington Road, Rainhill Road, Nutgrove Road, Thatto Heath Road, Lugsmore Lane, Prescot Road, Freckleton Road, Prescot Road to Carmel College Departs Carmel: 16.20 Returning from Carmel College, Prescot Road via Prescot Road, Lugsmore Lane, Thatto Heath Road, Nutgrove Road, Rainhill Road, Warrington Road, Jubits Lane, Gartons Lane, Clock Face Road, Leach Lane, Mill Lane, New Street, Robins Lane, Peckers Hill Road, Hoghton Road, Watery Lane, Berrys Lane, Chancery Lane, Concourse Way, Fleet Lane, Waring Avenue, Newton Road, Pennington Lane, Common Road, Crow Lane West, Crow Lane East, High Street, Southworth Road to Newton le Willows Station Route No 741 AM PM Newton le Willows Station 07:42 Carmel College 16:20 Parr, Fleet Lane, Derbyshire Hill Road 07:57 Rainhill Stoops 16:30 Robins Lane 08:05 Clock Face Road 16:41 Clock Face Road 08:14 Robins Lane 16:48 Rainhill Stoops 08:30 Parr, Fleet Lane, Derbyshire Hill Road 16:58 Carmel College 08:40 Newton le Willows Station 17:13 Service 742 Platt Bridge-Golborne-Ashton-Haydock-Carmel College Departs