The Consumer Credit (Exempt Agreements) Order 1989

Articles 2 and 5

SCHEDULE 1 BODIES WHOSE AGREEMENTS OF THE SPECIFIED DESCRIPTION ARE EXEMPT AGREEMENTS

PART I insurance companies

• Abbey Life Assurance Company Limited

• Abbey Life Pension and Annuities Limited

• Albany Life Assurance Company Limited

• Allchurches Life Assurance Limited

• Alliance Assurance Company Limited

• Allied Dunbar Assurance PLC

• Ambassador Life Assurance Company Limited

• American Life Insurance Company

• Ansvar Insurance Company Limited

• Atlas Assurance Company Limited

• Australian Mutual Provident Society

• Avon Insurance PLC

• Black Horse Life Assurance Company Limited

• Bradford Insurance Company Limited

• Britannic Assurance Public Limited Company

• The British & European Reinsurance Company Limited

• British Equitable Assurance Company Limited

• The British Life Office Limited

• The British Oak Insurance Company Limited

• British Reserve Insurance Company Limited

• Caledonian Insurance Company

• The Cambrian Insurance Company Limited

• The Canada Life Assurance Company

• Cannon Assurance Limited

• Car and General Insurance Corporation Limited

• Citibank Assurance Company Limited

• City of Westminster Assurance Company Limited

• City of Westminster Assurance Society Limited

• Clerical, Medical and General Life Assurance Society

• The Colonial Mutual Life Assurance Society Limited

• Commercial Union Assurance Company plc

• Commercial Union Pensions Management Limited

• Commercial Union Life Assurance Company Limited

• Confederation Life Insurance Company

• The Contingency Insurance Company Limited

• Co-operative Insurance Society Limited

• Cornhill Insurance Public Limited Company

• Criterion Insurance Company Limited

• Crown Life Assurance Company Limited

• Crown Life Insurance Company Limited

• Crown Life Pensions Limited

• Crusader Insurance PLC

• The Dominion Insurance Company Limited

• Eagle Star Insurance Company Limited

• Ecclesiastical Insurance Office plc

• Economic Insurance Company Limited

• English & American Insurance Company Limited

• The Equitable Life Assurance Society

• Equity & Law Life Assurance Society plc

• Essex and Suffolk Insurance Company Limited

• Excess Insurance Company Limited

• Federation Mutual Insurance Limited

• Fine Art and General Insurance Company Limited

• Friends' Provident Life Office

• FS Assurance Limited

• General Accident Fire and Life Assurance Corporation Public Limited Company

• General Accident Life Assurance Limited

• General Accident Linked Life Assurance Limited

• General Portfolio Life Insurance Public Limited Company

• Gisborne Life Assurance Company Limited

• Gresham Life Assurance Society Limited

• Guardian Assurance plc

• Guardian Royal Exchange Assurance plc

• Hill Samuel Life Assurance Limited

• The Ideal Insurance Company Limited

• The Imperial Life Assurance Company of Canada

• Irish Life Assurance plc

• The Iron Trades Employers Insurance Association Limited

• Langham Life Assurance Company Limited

• Legal and General Assurance Society Limited

• The Licenses and General Insurance Company Limited

• The Life Association of Scotland Limited

• London Aberdeen & Northern Mutual Assurance Society Limited

• London and Manchester Assurance Company Limited

• London and Manchester (Pensions) Limited

• London & Scottish Assurance Corporation Limited

• The London Assurance

• The London Life Association Limited

• The Manufacturers Life Insurance Company

• Marine and General Mutual Life Assurance Society

• Maritime Insurance Company Limited

• Medical Sickness Annuity & Life Assurance Society Limited

• The Mercantile and General Reinsurance Company plc

• Midland Assurance Limited

• The Motor Union Insurance Company Limited

• Minster Insurance Company Limited

• Municipal Life Assurance Limited

• Municipal Mutual Insurance Limited

• NALGO Insurance Association Limited

• National Employers' Life Assurance Company Limited

• National Employers' Mutual General Insurance Association Limited

• The National Farmers Union Mutual Insurance Society Limited

• National House-Building Council

• The National Insurance and Guarantee Corporation PLC

• The National Mutual Life Association of Australasia Limited

• National Mutual Life Assurance Society

• National Provident Institution

• National Vulcan Engineering Insurance Group Limited

• N.E.L. Pensions Limited

• The New Zealand Insurance plc

• North British & Mercantile Insurance Company Limited

• The Northern Assurance Company Limited

• Norwich Union Asset Management Limited

• Norwich Union Fire Insurance Society Limited

• Norwich Union Insurance Group (Pensions Management) Limited

• Norwich Union Life Insurance Society

• NRG London Reinsurance Company Limited

• Oaklife Assurance Limited

• The Ocean Accident & Guarantee Corporation Limited

• The Orion Insurance Company P.L.C.

• Pearl Assurance Public Limited Company

• Pensions Management (SWF) Limited

• Permanent Insurance Company Limited

• Phoenix Assurance Public Limited Company

• Pioneer Mutual Insurance Company Limited

• Property Growth Pensions & Annuities Limited

• Provident Life Association Limited

• Provident Mutual Life Assurance Association

• Provincial Insurance Public Limited Company

• Provincial Life Assurance Company Limited

• The Prudential Assurance Company Limited

• Railway Passengers Assurance Company

• Refuge Assurance, public limited company

• Regency Life Assurance Company Limited

• The Reliance Fire and Accident Insurance Corporation Limited

• The Reliance Marine Insurance Company Limited

• Reliance Mutual Insurance Society Limited

• Royal Exchange Assurance

• Royal Insurance Public Limited Company

• Royal Insurance (Int.) Limited

• Royal Insurance (U.K.) Limited

• Royal Life Insurance Limited

• Royal Life (Unit Linked Assurances) Limited

• Royal Life (Unit Linked Pension Funds) Limited

• The Royal London Mutual Insurance Society Limited

• The Royal National Pension Fund for Nurses

• Royal Reinsurance Company Limited

• Schroder Life Assurance Limited

• Scottish Amicable Life Assurance Society

• Scottish Equitable Life Assurance Society

• Scottish General Insurance Company Limited

• Scottish Insurance Corporation Limited

• The Scottish Life Assurance Company

• The Scottish Mutual Assurance Society

• The Scottish Provident Institution

• Scottish Union and National Insurance Company

• Scottish Widows' Fund and Life Assurance Society

• Sentinel Life plc

• Skandia Life Assurance Company Limited

• Standard Life Assurance Company

• Standard Life Pension Funds Limited

• The State Assurance Company Limited

• Suffolk Life Annuities Limited

• Sun Alliance and London Assurance Company Limited

• Sun Insurance Office Limited

• Sun Life Assurance Company of Canada

• Sun Life Assurance Society plc

• Target Life Assurance Company Limited

• Teachers Assurance Company Limited

• Trident Investors Life Assurance Company Limited

• Trident Life Assurance Company Limited

• Trinity Insurance Company Limited

• United British Insurance Company Limited

• United Friendly Insurance plc

• United Kingdom Temperance and General Provident Institution

• United Standard Insurance Company Limited

• The University Life Assurance Society

• The Victory Reinsurance Company Limited

• Wesleyan and General Assurance Society

• The Western Australian Insurance Company Limited

• The White Cross Insurance Company Limited

• World-Wide Reassurance Company Limited

• The Yorkshire Insurance Company Limited

• Zurich Life Assurance Company Limited

friendly societies

• The Ancient Order of Foresters Friendly Society

• Anglo-Saxons Friendly Society

• Blackburn Philanthropic Mutual Assurance Society

• British Benefit Society

• British Order of Ancient Free Gardeners' Friendly Society

• British United Order of Oddfellows Friendly Society

• Brunel Assurance Society

• Cirencester Benefit Society

• City of Glasgow Friendly Society

• Civil Servants' Annuities Assurance Society

• Colmore Friendly Society

• Coventry Assurance Society

• Dentists' Provident Society

• Devon and Exeter Men’s Equitable Benefit Society

• Devon and Exeter Women’s Equitable Benefit Society

• Grand United Order of Oddfellows Friendly Society

• The Hampshire and General Friendly Society

• Harvest Friendly Society

• Hazel Grove Provident Burial Society

• Hearts of Oak Benefit Society

• Hoddesdon Provident and Annuity Society

• The Ideal Benefit Society

• Independent Order of Oddfellows Kingston Unity Friendly Society

• The Independent Order of Odd Fellows Manchester Unity Friendly Society

• The Independent Order of Rechabites, Salford Unity, Friendly Society

• Leeds District of the Ancient Order of Foresters Investment Association

• Leek Assurance Collecting Society

• The Leicester District Foresters' Investment Society

• Liverpool Victoria Friendly Society

• The Loyal Order of Ancient Shepherds (Ashton Unity) Friendly Society

• Loyal Past and Present Officers' Lodge, Norwich District, Independent Order of Oddfellows M.U. Friendly Society

• The Manchester and Districts of the Ancient Order of Foresters Investment Association

• National Deposit Friendly Society

• National Equalized Druids Friendly Society

• National United Order of Free Gardeners Friendly Society

• New Tab Friendly Society

• Northumberland and Durham Miners' Permanent Relief Fund Friendly Society

• Nottingham Oddfellows Friendly Society

• Nottingham Permanent Mutual Money Society

• The Order of Druids Friendly Society

• The Order of the Sons of Temperance Friendly Society

• Original Holloway Society

• Pioneer Benefit Society

• Preston Catholic Collecting Society

• Preston Shelley Assurance Collecting Society

• Provident Reliance Friendly Society

• Rational and County Assurance Society

• Royal Liver Friendly Society

• Scottish Friendly Assurance Society

• The Scottish Legal Life Assurance Society

• Sons of Scotland Temperance Friendly Society

• Stepney District Distressed Members' Pension Benevolent Fund

• Suffolk Friendly Society

• The Sussex Widow and Orphans Society

• Teachers Provident Society

• Time Assurance Society

• Tunbridge Wells Equitable Friendly Society

• Tunstall and District Assurance Collecting Society

• United Ancient Order of Druids Friendly Society

• United Kingdom Civil Service Benefit Society

• United Patriots' National Benefit Society

• West Surrey General Benefit Society

• Widow and Orphan Fund of the Woolwich District of the Independent Order of Odd Fellows Manchester Unity Friendly Society

• Widow and Orphans' Fund, Stepney District of the Independent Order of Odd Fellows, Manchester Unity Friendly Society

• Widows' and Orphans' Society, Ware District of Odd Fellows

• Widow, Widowers and Orphans' Fund of the Godalming District of the Independent Order of Oddfellows, Manchester Unity, Friendly Society

• Wiltshire Holloway Benefit Society

charities

• The Central Board of Finance of the Church of England

• Church Commissioners

• The Church of England Pensions Board

• The Church of Scotland

• The Church of Scotland General Trustees

• Church of Scotland Trust

• Timber Trades Benevolent Society

• The Winchester Diocesan Board of Finance

• York Diocesan Board of Finance Limited

PART II

Bodies Corporate	Description of Agreement and Enactments
land improvement companies
The Lands Improvement Company	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to— (a) the Lands Improvement Company’s Acts 1853 to 1969(1); or (b) the Improvement of Land Acts 1864 and 1899(2).
bodies corporate named or specifically referred to in a public general act
united kingdom
The Agricultural Mortgage Corporation PLC	Agreements of a description falling within section 16(2) of the Act, being agreements made for a purpose consistent with the principal objects of that body set out in section 1(1)(a) and (b) of the Agricultural Credits Act 1928(3).
Commission for the New Towns	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to section 132(1) of the Housing Act 1985(4), or falling within article 2(2)(a) to (c), being agreements made pursuant to section 36 of the New Towns Act 1981(5).
The Eastern Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947(6).
The Electricity Council	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Council and employees or prospective employees of the Council pursuant to section 2(5) of the Electricity Act 1947, as applied in relation to the Council by section 3(6) of the Electricity Act 1957(7).
The London Docklands Development Corporation	Agreements of a description falling within article 2(2)(a) to (c), being agreements made pursuant to section 136 of the Local Government, Planning and Land Act 1980(8).
The London Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The North Eastern Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Scottish Agricultural Securities Corporation plc	Agreements of a description falling within section 16(2) of the Act, being agreements made for a purpose consistent with the principal objects of that body set out in section 1(1)(a) and (b) of the Agricultural Credits (Scotland) Act 1929(9).
Sea Fish Industry Authority	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to section 3(1)(e) and (f) of the Fisheries Act 1981(10).
The South Eastern Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The South Western Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Southern Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
The Yorkshire Electricity Board	Agreements of a description falling within article 2(2)(a) to (c), being agreements made between the Board and employees or prospective employees of the Board pursuant to section 2(5) of the Electricity Act 1947.
northern ireland
Eastern Health and Social Services Board	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972(11).
Northern Health and Social Services Board	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
Southern Health and Social Services Board	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.
Western Health and Social Services Board	Agreements of a description falling within section 16(2) of the Act, being agreements made pursuant to article 59 of and Schedule 9 to the Health and Personal Social Services (Northern Ireland) Order 1972.

PART III bodies corporate named or specifically referred to in an order made under section 156(4), 444(1) or 447(2)(a) of the housing act 1985

• Abbey Life Executive Mortgages Limited

• Abbey Life Funding Limited

• Abbey Life Home Loans Limited

• Abbey Life Home Services Limited

• Abbey Life Mortgage Finance Limited

• Abbey Life Mortgage Loans Limited

• Abbey Life Mortgage Securities Limited

• Abbey Life Residential Loans Limited

• CIS Mortgage Maker Limited

• General Portfolio Finance Limited

• Lombard Home Loans Limited

• London and Manchester (Mortgages) (No. 1) Limited

• London and Manchester (Mortgages) (No. 2) Limited

• The National Home Loans Corporation Limited

• National Mutual Home Loans plc

• National Westminster Home Loans Limited

• Royal London Homebuy Limited

PART IV creditors whose agreements are exempt under paragraph (b) of article 5, subject to the provisions of that paragraph

• A Federal Credit Union (as defined in the Federal Credit Union Act(12) of the United States of America of 26th June 1934)

• American Book Distributors Inc.

• American Express Bank Limited

(1)

1853 c.cliv, 1855 c.lxxxiv, 1859 c. lxxxii, 1863 c.cxl, 1920 c.xi, 1969 c.xxv.

(2)

1864 c. 114, 1899 c. 46.

(3)

1928 c. 43.

(4)

1985 c. 68.

(5)

1981 c. 64; section 36 was amended by the New Towns and Urban Development Corporations Act 1985 (c. 5), section 1, Schedule 3, paragraph 4, and Schedule 4.

(6)

1947 c. 54.

(7)

1957 c. 48.

(8)

1980 c. 65.

(9)

1929 c. 13.

(10)

1981 c. 29.

(11)

S.I. 1972/1265 (N.I.14).

(12)

Chapter 14 of Title 12 of the United States Code (June 26, 1934, ch 750 §1, 48 Stat. 1216; Sept 22, 1959, pub L.86–354, §1, 73, Stat. 628).