Bankruptcy (Scotland) Act 1985: Schedule 5, Paragraph 5(3)

Trust Deed for Creditors by

Robert Stuart Richardson &

Pamela Richardson

Trust Deeds were granted by Robert Stuart Richardson and Pamela Richardson, both residing 22 Longmeadow Avenue, Annan, Dumfriesshire, DG12 6HU on 8th May 22003 conveying (to the extent specified in Section 5(4A) of the Bankruptcy (Scotland) Act 1985) their estate to me, Blair Carnegie Nimmo, 24 Blythswood Square, Glasgow, G2 4QS as Trustee for the benefit of their creditors generally.

If a creditor wishes to object to the trust deeds for the purposes of preventing them becoming protected trust deeds (see notes below on the objections required for that purpose) notification of such objection must be delivered in writing to the Trustee within 5 weeks of the date of publication of this Notice in The Edinburgh Gazette.

Notes: The trust deeds will become protected trust deeds unless within the period of 5 weeks of the date of publication of this Notice in The Edinburgh Gazette a majority in number or not less than one third in value of the creditors notify the Trustee in writing that they object to the trust deeds and do not wish to accede to them.

The effect of this is that paragraphs 6 and 7 of Schedule 5 to the Act will apply to the trust deeds. Briefly, this has the effect of restricting the rights of non-acceding creditors to do diligence (ie to enforce court decrees for unpaid debts) against the debtors and confers certain protection upon the trust deeds from being superseded by the sequestration of the debtors’ estates.

Blair C Nimmo, CA, Trustee

KPMG, 24 Blythswood Square, Glasgow G2 4QS