Northern Rock is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Payments under the Scheme are limited to 100% of the first £2,000 of a depositor's total deposits with the bank and 90% of the next £33,000, resulting in a maximum payment of £31,700. Most depositors, including individuals and small firms are covered. The scheme limit relates to each depositor for their combined deposits held with Northern Rock and not for each Account. Further details of the scheme are available on request.