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The Co‑operative Bank p.l.c. is authorised by the Prudential Regulation Authority and controlled by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). Credit facilities are supplied by The Co‑operative Bank p.l.c. and are topic to standing and our lending coverage. The Bank reserves the correct to say no any application for an account or credit facility. The Co‑operative Financial institution p.l.c. subscribes to the Requirements of Lending Practice which are monitored by the Lending Standards Board.