Trust Deeds

Protected Trust Deeds (Scotland) Regulations 2008, regulation 7

Notice of Trust Deed for the Benefit of Creditors by

TERESA MUNRO

A Trust Deed has been granted by Teresa Munro, 9 Turnhill Avenue, Erskine PA8 7DL, on 20 February 2009, conveying (to the extent specified in section 5(4A) in the Bankruptcy (Scotland) Act 1985) her estate to me, Donald McKinnon, of Wylie and Bisset LLP, 168 Bath Street, Glasgow G2 4TP, as Trustee for the benefit of her Creditors generally.

If a Creditor wishes to object to the Trust Deed for the purposes of preventing it becoming a Protected Trust Deed (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 the publication of this notice in The Edinburgh Gazette .

Notes: The Trust Deed may become a Protected Trust Deed 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 Deed and do not wish to accede to it.

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court decrees for unpaid debts) against the Debtor and confers certain protection upon the Trust Deed from being superseded by the sequestration of the Debtor’s estate.

Donald McKinnon, Trustee

25 February 2009.