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DIVIDEND POLICY
The Board has determined that, in order to preserve cash and capital during the current period of economic stress, no dividends will be paid by the Company during 2009. It will consider the position for 2010 in the light of prevailing conditions nearer the time. Longer term, the Board will look to pay a dividend based on the Group's capital, cashflow and earnings with a view to maintaining cover of at least two times.

