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Friends of Halesworth County Library Minutes of Meeting of the Trustees
Friends of Halesworth County Library Minutes of meeting of the Trustees held on 29th October 2019 Present: Alison Britton (Chair), David Borer, Natalie Evans, Sheila Freeman, Nigel Frostick, Julie Gulliver, Evelyn Lindqvist, Irene Thomas Actions 1. Welcome & Apologies: Yvonne Sandison. Apologies 2. Minutes • Minutes of meeting held 17th September were read and approved. 3. Matters arising • Transportation – A response from Emma Healey is still awaited. Alison AB and not elsewhere attended the Halesworth Volunteer Centre AGM on 17th October but did not on agenda have a chance to speak with Emma. But co-operation with the Library was mentioned in the HVC future plans! • Alison will ask David Hopkins to investigate a new screen and projector as he AB has knowledge of the previous one. • Christmas Raffle Prizes – it was agreed that Trustees would contribute to the AB purchase of two “One4all” gift cards – one for £100 and one for £50. 4. Updates David Borer reported: Treasurer’s report • Receipts: Donations £439.79 inc. a £100 from the Woolnoughs which Alison has acknowledged. £422.05 Antique Street Market; Income from donated items £144.10; £15.26 interest on savings account. Total receipts: £1,333.01 • Outgoing Payments: £1,828.64 shelving; EPS Banner £75; ReadySpex re-stock £139.92; petty cash £71.99. Total £2,115.95 • Balances: Petty cash £164.84 Current account £9,080.80 Savings account £30,275.31 Current Total: £39,520.95 5. Sorting Friends Bank account signatories for the • It was decided that the treasurer is to be the HSBC main account holder. bank accounts Alison Britton to remain a signatory and two new signatories to be added: Julie Gulliver and Evelyn Lindqvist. -
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 -
Retail Monitoring Survey 2015
Retail Monitoring Survey 2015 1 Retail Monitoring Survey 2015 Retail Monitoring Survey 2015 As part of the Council’s ongoing monitoring work, a Retail Monitoring Survey is undertaken. The survey covers retailing within town centres (AP56) and district centres (AP59) identified as such within the 2001 Local Plan policy1. Town Centre reports – May 2015 Aldeburgh Felixstowe Framlingham Leiston Saxmundham Woodbridge District Centre reports – May 2015 Cavendish Park, Felixstowe 1 Grange Farm, Kesgrave The Square, Martlesham Heath Walton High Street Wickham Market This information helps monitor the viability and vitality of existing retail centres and has helped inform changes to town and district centre boundaries. Additional data concerning retailing in the district can be found in the annually updated Authority Monitoring Report (AMR). 1 Sycamore Drive, Rendlesham not monitored. Retail Monitoring Survey 2015 TOWN CENTRES FELIXSTOWE TOWN CENTRE SHOPPING USES - May 2015 ADDRESS NO. NAME AREA (sq USE FORMER USE IF CHANGED WITHIN YEAR or IS VACANT m) CLASS HAMILTON Rd,East 2 Vacant 95 A1 Coes Menswear 4 Taxi office no sign on door or anything 18 SG Coastal Taxis 6 The Card Centre 67 A1 8 San Moi Oriental – Noodle Bar & Restaurant 104 A3 China Garden – chinese restaurant 10 Tony`s Star Nails – nail bar 88 A1 Vacant 12 The Thrifty Thistle 44 A1 Vacant 14 Hair Artistry 84 A1 Vogue Hair Company 16 Café on the Corner 126 A3 Vacant 18-20 Barclays bank 480 A2 2 22 Trinity Methodist Church 555 D1 24 Vacant 72 A2 Ashton K C J - solicitors 26 Madison -
IBS Annual Review 2018.Pdf
Established 1849 Includes summary financial statement for year ended 30 November 2018 growing closer One of the most significant events of the year was the introduction of the General Data Protection Regulation, a complex project which we worked efficiently and diligently to comply with. Membership and branches Chairman’s summary 4 As a mutual we place great importance on the 170 Years of “The Old Freehold” 5 satisfaction and support of our members and work All In 6 to meet their needs. Community matters 8 The demand for our face-to-face services saw us Savings & Mortgages 10 open new premises at a time when other financial Introducing our Board 12 service providers have closed branches. We are Summary Financial Statement 14 facing increasing demand for complementary Directors’ Remuneration Report 18 online services and are making good progress with this project which will remain a focus in the coming year. Supporting home ownership Looking back By employing an expert, manual approach to underwriting we understand the personal at 2018 circumstances behind each mortgage A welcome from Richard Norrington, application enabling us to be innovative with Chief Executive our mortgage lending. We introduced new products specifically designed With a backdrop of continuing economic for borrowers aged 50 plus, offering no maximum uncertainty, we began our financial year positively age restriction at the end of the mortgage deal. with a commitment to our face-to-face services, Borrowing in later life brings with it a set of unique opening two new premises in the existing branch needs as well as changing sources of income towns of Ipswich and Woodbridge. -
Low-Impact Living Initiative
building societies what are they? They’re mutual institutions offering savings accounts and mortgages, and occasionally current accounts. This is all they provide. They are simple beasts compared to banks, and their mutual nature means that they are owned by their members, and are not listed on stock exchanges and owned by shareholders. They’re similar to co- operatives, but, from Wikipedia: ‘unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through The sign on the Penrith Building Society (the their customer relationship.’ smallest in the UK) says it all: ‘Every man his History: the first building society was formed in own landlord’ (well, all apart from the fact that 1775, by Richard Ketley, proprietor of the Golden they left out half the population). Cross pub in Snow Hill, Birmingham. At the time, publicans encouraged meetings of working men in Demutualisation: many building societies were their pubs in order to sell more beer! Lots of ‘demutualised’, starting in the 1980s, after trades unions and friendly societies were formed deregulation allowed mutual societies to become in pubs. This society was quickly followed by banks with shareholders, or to merge with existing others in Birmingham, then Dudley, Rowley Regis banks. Members were offered incentives in the and other places in the Midlands, North and form of cash payments or shares. The first mutual Scotland. Members of early societies like this paid society to be demutualised was Abbey National, money into a pot, and when there was enough, followed by famous names such as Alliance and one member’s name was drawn by lot and the Leicester and Northern Rock. -
ANNUAL REPORT Year Ended 30 November 2020 Year Ended 30 November 2020
ANNUAL REPORT Year ended 30 November 2020 Year ended 30 November 2020 2 www.ibs.co.uk Contents 4 Chairman’s Report 6 Chief Executive’s Report 9 Directors’ Report 16 Corporate Governance Report 24 Directors’ Remuneration Report 26 Statement of Directors’ Responsibilities 27 Independent Auditor’s Report 32 Statement of Comprehensive Income 33 Statement of Financial Position 34 Statement of Changes in Members’ Interests 35 Statement of Cash Flows 36 Notes to the Accounts 68 Annual Business Statement 69 Information Relating to Directors 2020 3 Year ended 30 November 2020 Chairman’s Report Despite the impact of COVID-19 on all UK businesses Ipswich Against this backdrop the overall results of the business Building Society has remained firmly open for business. We also demonstrate our strengthened resilience. Highlights of the have seen continued growth in mortgages and improved our year were: capital position, whilst continuing to deliver exceptional service to • Strong targeted mortgage completions of £123m (2019: members thanks to outstanding levels of colleague engagement £115m). Our targeted approach delivered a strong net interest and maintaining our ongoing support to our communities. margin of 1.8% (2019: 1.8%) on a total book of £568m at year The year has clearly been dominated by the COVID-19 pandemic end (2019: £523m). which has brought concerns about health and wellbeing for many • Savings balances increased by £21m taking overall deposits to of our members as well as having a significant economic impact. a pleasing £624m (2019: £603m). The efforts to control the pandemic have been considerable and I would like to thank all key workers in the UK for everything they • Despite the pressures of the pandemic we recorded continued have done for us during this time; their spirit and hard work has supportive feedback from members, with the Society’s overall Net been inspirational. -
Lenders Who Have Signed up to the Agreement
Lenders who have signed up to the agreement A list of the lenders who have committed to the voluntary agreement can be found below. This list includes parent and related brands within each group. It excludes lifetime and pure buy-to-let providers. We expect more lenders to commit over the coming months. 1. Accord Mortgage 43. Newcastle Building Society 2. Aldermore 44. Nottingham Building Society 3. Bank of Ireland UK PLC 45. Norwich & Peterborough BS 4. Bank of Scotland 46. One Savings Bank Plc 5. Barclays UK plc 47. Penrith Building Society 6. Barnsley Building Society 48. Platform 7. Bath BS 49. Principality Building Society 8. Beverley Building Society 50. Progressive Building Society 9. Britannia 51. RBS plc 10. Buckinghamshire BS 52. Saffron Building Society 11. Cambridge Building Society 53. Santander UK Plc 12. Chelsea Building Society 54. Scottish Building Society 13. Chorley Building Society 55. Scottish Widows Bank 14. Clydesdale Bank 56. Skipton Building Society 15. The Co-operative Bank plc 57. Stafford Railway Building Society 16. Coventry Building Society 58. Teachers Building Society 17. Cumberland BS 59. Tesco Bank 18. Danske Bank 60. Tipton & Coseley Building Society 19. Darlington Building Society 61. Trustee Savings Bank 20. Direct Line 62. Ulster Bank 21. Dudley Building Society 63. Vernon Building Society 22. Earl Shilton Building Society 64. Virgin Money Holdings (UK) plc 23. Family Building Society 65. West Bromwich Building Society 24. First Direct 66. Yorkshire Bank 25. Furness Building Society 67. Yorkshire Building Society 26. Halifax 27. Hanley Economic Building Society 28. Hinckley & Rugby Building Society 29. HSBC plc 30. -
Draft-Minutes-17-June-2019-2
Unit 1,Church House, 19-24 Friargate, Penrith, Cumbria, CA11 7XR Tel: 01768 899773 Email: [email protected] Draft Minutes of the meeting of the: FINANCE COMMITTEE Held on Monday 17 June 2019 6.00pm – 8.00pm Board Room, Penrith Town Council Office, Unit 1, Church House, 19-24 Friargate. PRESENT: Cllr. Burgin Cllr. Bowen Cllr. Hawkins Cllr. Jackson Services & Contracts Manager Responsible Finance Officer Finance Committee/ 17 June 2019/ Penrith Town Council / Page 1 PENRITH TOWN COUNCIL MINUTES FINANCE COMMITTEE 17 JUNE 2019 FIN.COM.19/01 Apologies for Absence Apologies for absence were received from Councillor Shepherd and Councillor Kenyon. FIN.COM.19/02 Appointment of Vice Chairman Members considered and voted for the appointment of the Vice Chairman of the Finance Committee. Moved, seconded and RESOLVED THAT: Councillor Bowen be appointed Vice Chairman for the municipal year 2019-20. FIN.COM.19/03 Declaration of Interests and Dispensations Members were asked to disclose their interests in matters to be discussed and to decide requests for dispensations. None recorded. FIN.COM.19/04 Public Participation No members of the public had requested in writing to speak prior to the meeting. FIN.COM.19/05 Public Bodies (Admission to Meetings) Act 1960 Members considered whether any items should be considered without the presence of the press and public, pursuant to the Public Bodies (Admission to Meetings) Act 1960 Section 2. RESOLVED THAT: Items 16,17,18 be considered without the presence of the press and public as all three matters involve the disclosure of exempt information as defined in paragraph 3 of Part 1 to Schedule 12A of the Local Government Act 1972, containing information relating to the financial or business affairs of any particular person. -
Finding the Sweet Spot: How Building Societies Need to Strike a Balance
BUILDING SOCIETIES RESEARCH REPORT FINDING THE SWEET SPOT: HOW BUILDING SOCIETIES NEED TO STRIKE A BALANCE. For professional use only 2 BUILDING SOCIETIES RESEARCH REPORT BUILDING SOCIETIES RESEARCH REPORT 3 EXECUTIVE SUMMARY For building societies, the rise of a week, and 84% use their building society’s website the digital banking environment Building societies remain “Building societies are at the heart at least once a month. heavily dependent on branches changes not just their strategy of their communities, but the way for product purchases. Most rate these services highly, with three quarters but also their fundamental their customers want to interact giving them a score of eight out of ten or more. going forward will change. Whilst nature. How do organisations Half (50%) of customers They’re also going to be increasingly important traditionally rooted in – opened their savings account branches have been at the core of revenue generators. and owned by – their local in branch against only 37% distribution, customers are telling using the building society’s us more and more that they want Insurance, among the most commoditized of financial communities fulfill their vision website. to buy their products and services services products, has long been the bread and butter in a society dominated by the online as well as through the of price comparison sites, for example. Yet at the Internet? 45% bought their mortgage in moment the branch is still the most common sales branch, against 19% online. branches.” channel for holders of life (47%), home (43%), critical Politicians, regulators, product Mark Holweger, Managing Director, illness (38%) and income protection (33%) insurance. -
Financial Services Compensation Scheme – Information Sheet
Financial Services Compensation Scheme – Information Sheet Basic information about the protection of your eligible deposits 1 Eligible deposits in Ipswich Building Society the Financial Services Compensation Scheme (“FSCS”) are protected by: 2 Limit protection: £85,000 per depositor per bank/building society/credit union The following trading names are part of your bank/building society/credit union Ipswich Building Society. If you have more eligible deposits at the same All your eligible deposits at the same bank/building society/credit union are 2 bank/building society/credit union: “aggregated” and the total is subject to the limit of £ 85,00 0. 3 If you have a joint account with other person(s): The limit of £85,000 applies to each depositor separately. 4 Reimbursement period in case of bank/ 10 working days. building society or credit union’s failure: Currency of reimbursement: Pound Sterling (GBP, £) To contact Ipswich Building Society for Ipswich Building Society, PO Box 547, Ipswich IP3 9WZ enquiries relating to your account: Tel: 0330 123 0723, Fax: 01473 278625, Email [email protected], Web www.ibs.co.uk To contact the FSCS for further information Financial Services Compensation Scheme on compensation: 10th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU Tel: 0800 678 1100 or 020 7741 4100 Email: [email protected] More information: http://www.fscs.org.uk Additional information (all or some of the below) 1 Scheme responsible for the protection of your eligible deposit Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank, building society or credit union should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme. -
IPSWICH SIPP CASH DEPOSIT Terms & Conditions
IPSWICH SIPP CASH DEPOSIT Terms & Conditions Summary Box When is interest paid? Key Product Information for our Savings Account Annual interest is payable on the 5 April and can be added to the account or paid to the main SIPP bank account. Interest is calculated on a daily basis from Account Name Ipswich SIPP Cash Deposit the date of investment up to the day before withdrawal. • Variable tiered interest rates (correct as at 20 February 2013) How do I close the account? Requests to close the account must be made in writing and in conjunction with £1,000 - £24,999 1.75% Gross/AER the rules of the scheme. Your funds will be sent by CHAPS to the main SIPP £25,000 - £49,999 2.15% Gross/AER bank account. The Society will not send your funds to any other account. Interest Rates (AER) £50,000 - £99,999 2.40% Gross/AER £100,000 - £249,999 2.55% Gross/AER Death of the scheme member £250,000 - £500,000 2.75% Gross/AER Following receipt of the appropriate proof of death, funds plus accrued interest will be sent by CHAPS to the main SIPP bank account. The Society will not • Interest is calculated on a daily basis send funds to any other account. No penalty is charged if the closure relates to • Annual interest on 5 April death of the scheme member. Tax Status Automatically eligible to receive gross interest Cancellation rights Conditions for Not applicable You have a 14 day period in which to reconsider your decision to invest into Bonus Payments this account. -
Review of the Year 2019 Including Summary Financial Statement for Year Ended 30 November 2019
Review of the Year 2019 Including summary financial statement for year ended 30 November 2019 1849 Ipswich and Suffolk Permanent Benefit Building Society and Ipswich and Suffolk Freehold Land Society established 1969 ‘Permanent Benefit’ cut from the name, resulting in Ipswich & Suffolk Building Society Took in Ipswich & District Building Society, resulting 1975 in Ipswich Building Society 2020 Turn to page 8 Suffolk Buildingto find Society? out more Savings and branches To satisfy the demand for our online service we have continued to work on this channel, which remains one of our primary focus areas for the coming year. Our bolstered IT team continues to ensure that our digital infrastructure is safe and secure and it is right that From the Chairman 4 we take the time to deliver the project correctly and Membership 5 thoroughly. Community Matters 6 We are increasingly aware of the importance of our Suffolk Building Society 8 physical branches not just to our members but to the Summary Financial Statement 10 wider communities we serve – in both Halesworth and Directors’ Remuneration Report 14 Aldeburgh we are now the last remaining financial services provider on the high street. Our Hadleigh branch, first opened in 1979, has been treated to a makeover fit for the 21st century and returned to its Looking back original ‘Suffolk Pink’ colouring. at 2019 To celebrate Suffolk Day this year, we launched a duo of savings accounts in support of the Rural Coffee A welcome from Richard Norrington, Chief Caravan, a local charity which focuses on tackling rural Executive isolation across our county.