Gavin John Norman Gemmell

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets

Lloyds TSB is financial services group, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. Its businesses provides a range of banking and financial services in the United Kingdom and overseas, principally through branches of the Lloyds TSB Bank and its wholly owned subsidiaries, Cheltenham & Gloucester and Lloyds TSB Scotland. In 2000, Lloyds TSB Group acquired Scottish Widows. During 2003 and 2004, Lloyds TSB Group disposed of a number of its overseas operations, as part of the process of managing its portfolio of businesses to focus on its core markets