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I WON'T BACK DOWN

CONCLUSION

Following the personal involvement of Juan Colombas the Chief Risk Officer

of Lloyds TSB, a meeting was set up on 25 August 2011 in Edinburgh. The attendees for Lloyds TSB being Aamir Khan, Head of Legal, Dispute Resolution and Contentious Regulatory (Retail) and Mike Burrows, Loss Event Manager, Community Banking Risk.

This meeting was constructive and all matters previous and current were discussed in a full and frank manner.

Actions were agreed on both sides, and after a further protracted exchange of correspondence a formal offer in full and final settlement was accepted by myself on behalf of Mrs Dewey, on 22 September 2011.

Alan Stewart

PoA for Mrs A A Dewey