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SCHEDULES

Valid from 01/12/2001

SCHEDULE 18U.K. Mutuals

Part IVU.K. Industrial and Provident Societies

The Industrial and Provident Societies Act 1965 (c.12)U.K.

19U.K.Omit section 8 (provision for separate registration areas for Scotland and for England, Wales and the Channel Islands).

20U.K.Omit section 70 (scale of fees to be paid in respect of transactions and inspection of documents).