AGM 2020 Your Society in focus - Skipton Building Society
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AGM 2020 Your Society in focus
Our year in review
Customers
128,000
web chats
to help our
4,572
Skipton Link
86%
net customer satisfaction
customers appointments (survey of 5,338 customers in
January – December 2019)
29,134 99,395 1.3m
customer Skipton app interactions
reviews in customer handled by
branch registrations Skipton Direct
6,167 11 3,909
social media branches customers advised
contacts from refurbished by a Skipton
customers Financial Adviser
7.6% £ 153,596 +
growth in new savings
savings balances accounts opened
Savings
19,255
more savings
46,194
Lifetime ISA £
customers than 2018 accounts opened
2 Vote in branch or by post
Mortgages
5,923
1st mortgages for
first-time buyers
10.3%
growth in Group
15,657
more mortgage
mortgage balances customers than 2018
Investors in People Colleagues
Platinum Standard
Listed in the Sunday 93% 88%
Times 25 Best of our colleagues of our colleagues believe
Big Companies are proud to we make a real difference
to work for survey work for Skipton to our communities
40
community groups helped by
Sustainability
£232,732 100% 99.4%
£99,807
raised for charity by
donated to
charities and
community
of our branches
have a Dementia
Friend colleague
of our waste
is recycled
or recovered
colleagues and customers groups
To vote online visit skipton.co.uk/agm 3Highlights
of 2019
Welcome to our AGM booklet, which contains a roundup of 2019,
a preview of our future plans and details about how to vote at the
AGM. I’d like to take this opportunity to encourage you to use your
vote, because every member and every vote counts.
I’m delighted to say Skipton Building Society had another good year in 2019. Both
our mortgages and savings balances increased, despite a challenging market. That
performance has allowed us to continue to provide long-term good value for our members
in a low interest rate environment. In 2019, the average savings rate we paid was 0.54%
higher than the rest of market average for banks and building societies*.
Some of my personal highlights of the year include the launch of our app and our new
financial advice proposition, which is designed to make financial advice accessible
to more people. It’s fantastic that we won Best National Building Society at the What
Mortgage Awards for the sixth year running too.
I’m also proud that Skipton has joined a growing number of global organisations
committed to supporting the United Nations Sustainable Development Goals. We’ve
set ourselves some challenging targets and you can read more on pages 16-19.
David Cutter
This graph shows how our average savings
Group Chief Executive
rate compared to the rest of market average
for UK banks and building societies between
3.00%
January 2013 and December 2019*.
2.50%
2.00%
1.50%
Skipton
1.00%
Rest of market
0.50%
0.00%
2014 2015 2016 2017 2018 2019
*CACI Current Account and Savings Database, Stock, including fixed and variable rates. CACI is
an independent company that provides financial benchmarking data which covered 85-87% of the
cash savings market between 2013-2019. Data correct as at 26 February 2020.
4 Vote in branch or by postWe’re always working hard
so you can interact with us
in the best way for you.
Getting in touch with you
Getting in touch with us
Managing your preferences
You can choose how you want
A friendly welcome: our branches provide to receive your AGM information,
customers who prefer face-to-face contact statements, account updates
with a service they value. We’ll continue to or news about our products
invest in branches through colleague training and services by updating your
and refurbishment programmes. preferences online, in branch, over
Skipton Direct: our telephone team the phone or on the Skipton app.
responded to 1.3 million calls, web chats
and secure messages in 2019. Feedback
You can join our Customer Panel
Skipton Link: customers can use our video to tell us what you think about
appointment service in branch or at home. products, services and initiatives.
Getting social: our Digital Customer Visit skipton.co.uk and search
Service team responded to over 137,000 ‘Customer Panel’ to sign up. You
customer messages on web chat and social can also leave feedback anytime
media in 2019. on skipton.co.uk.
skipton.co.uk: customers can talk to us
on web chat or log in to Skipton Online
where they can manage their online savings
accounts and personal details as well as
communicate with us.
Complaint handling: we don’t always get it
right, but feedback shows we can be good
at fixing things when they do go wrong.
The Skipton app Have you seen our blue castle?
We launched our new app After the success of our ITV3
in August 2019 and since sponsorship, we’re sponsoring the
then over 122,000 customers Sky Arts TV channel throughout
have registered to help 2020. This should help us reach
them manage their money. new audiences and grow our
Customers have told Society. Have a look and let us
us it’s straightforward and know what you think.
easy to use too.
To vote online visit skipton.co.uk/agm 5Improving things for you
The world is constantly evolving. That’s
why we continue to invest in improving
what we offer to meet the changing
expectations of our customers.
Building a better Society
Our target is to become ‘Disability Smart’
accredited in 2020. Building on our work with
AccessAble, we’ve already made a start with
improvements to the toilets in some branches,
along with new ramps and handrails, lowered floors
and yellow-painted steps to enhance visibility.
A first for
first-time buyers
Beyond our branches: Last November, we ran a first-
• there’s
a video appointment service for of-its-kind educational event
people who would prefer to use this. called ‘Keys to Your First
• ourproduct information and Home’. The event was held in
communications are available in braille, London and supported by a
large print and audio and we provide number of well-known social
coloured transparencies in branch, media influencers and gave
which can help some customers to read first-time buyers the chance
documents more easily. to share their home-buying
stories and pick up some
• there’s
a silent option on our phone lines if useful tips.
you’re on hold.
• we’reworking to improve our website for “This event has helped
users with colour blindness, dyslexia, visual people to gain more
impairments and cognitive disabilities. confidence when thinking
• we’ve also launched a video translation about getting onto the
service (Signvideo), so customers can property ladder. I really
get in touch and transact with us using enjoyed it.”
British Sign Language. Kia Commodore,
Pennies to Pounds Podcast.
6 Vote in branch or by postWe’re on a financial
advice mission
Customer feedback showed that financial
advice was often seen as only being for
very wealthy people, so we’re on a mission
to change that. In 2019 we changed the
way we deliver and charge for our service,
offering a financial advice service that’s:
• designed to be available to more people.
• for beginners and experienced investors.
• personalised to the people who use it.
Mortgages made easier Online
There’s lots going on to make our The security of our members’ money is
mortgage application process easier one of our biggest priorities, especially
for customers: when it comes to our digital services
and, in 2019, we introduced a variety
• we’re one of the first lenders to
of new security features:
trial Open Banking and Automated
Income Verification for mortgages, • a case-sensitive password to replace
which means most customers the drop-down menu.
who opt into the service don’t
have to send us bank statements • multi-factor authentication, which
and payslips. means you’re asked for additional
authentication to prove it’s really you.
• customers can check how much
they might be able to afford to The Skipton app is set to get even
borrow and generate a Decision in better too. Look out for future updates!
Principle online without leaving a
‘hard footprint’ on their credit file.
• we’reworking on our new online
‘product finder’ where mortgage
customers will be able to compare,
sort and filter mortgages on
skipton.co.uk
To vote online visit skipton.co.uk/agm 7Your vote matters
Voting at our AGM is your opportunity to help shape the future of
Skipton Building Society. You don’t have to be there in person –
you can vote online, in branch or by post too. If you do decide to
attend, you’ll get the chance to quiz our Board of Directors about
the things that matter to you most about Skipton.
Voting FAQs This year’s resolutions
What am I voting for? 1 To receive the Annual
We’re asking you to tell us what you Report & Accounts
think about how we run the Society. You We propose an Ordinary
can vote for or against the re-election Resolution every year to
of Directors and the re-appointment of formally accept the Annual
our external auditors. There are also Report & Accounts.
resolutions about the approval of the
Directors’ Remuneration Report and our 2 To re-appoint Ernst & Young
annual report and accounts. The back LLP as auditors
page of this booklet has a full list of the Following a rigorous selection
resolutions and Board Directors. process Ernst & Young LLP
were selected as our external
How do I vote? auditors prior to AGM 2019
You can vote at the AGM in person or have where their appointment was
your say on paper (in branch or by post) or approved. This resolution is to
online instead. If you’ve registered for your approve their re-appointment
AGM information by email, we’ll send you a for the year ending 31
link directly to the voting site. You can also December 2020.
vote online using the voting codes printed
on your form. Visit skipton.co.uk/agm and
select ‘Vote now’.
What is the quick vote option?
The quick vote option on your voting
AGM
form gives your vote to the Chair of the 2020
AGM and instructs them to vote in favour
of all the resolutions in line with the
Board’s recommendation.
8 Vote in branch or by post3 To approve the Directors’ Remuneration Report If you have any
for the year ended 31 December 2019 questions or you’d like
The Directors’ Remuneration Report is summarised to know more about
in the Summary Financial Statement. As in previous
being a member
years, we’re proposing an Ordinary Resolution to
approve the Directors’ Remuneration Report for the of a mutual, our Board
financial year ended 31 December 2019. or the AGM:
The vote on resolution 3 will be treated as advisory
only and the Directors’ entitlement to remuneration skipton.co.uk/agm
Meet
isn’tyour Board
conditional on this resolution being passed. It’s
0345 850 1733
an important measure of members’ views on the topic
which the Board will discuss and be influenced by.
web chat
You can read the full Directors’ Remuneration Report
at skipton.co.uk/financialresults or you can request a /skiptonbs
copy from: The Secretary, Skipton Building Society,
The Bailey, Skipton, North Yorkshire BD23 1DN or by @skiptonbs
calling 0345 850 1733.
Meet your board
Meet your board
Your vote really does Our Board members have been selected for their skills
make a difference – and experience as well as their commitment to the Society.
a Director will only None of our Directors has a personal business relationship
with the Society or any of its subsidiaries or close links
be re-elected if the
to any business that might have.
majority of voting
members vote in You can see the skills and experience each Director
their favour. brings to the Board in the following pages.
To vote online visit skipton.co.uk/agm 9“It’s important to me to work for an organisation that
cares for both its customers and colleagues. I thrive on
a challenge and in an environment where the team has
strong values that won’t be compromised. I’m keen to
help people develop and grow and I’ve dealt with many
cultures and segments of the financial services industry.
I also have wide experience in conduct risk and change
management. I’m pragmatic and bring energy and a
clear set of values to work every day.”
Andrew has more than 30 years’ experience in leading
Andrew Bottomley customer service and sales teams in financial services.
He leads the development and delivery of our financial
advice proposition, as well as the Society’s branch
network and contact centre. He has previously served as
Customer Director and Mortgage and Bancassurance Director at Lloyds Bank,
a member of the Executive held various senior roles at the Halifax, encompassing
Committee and the Non- branches, mortgages and head office positions, and
Executive Remuneration was Chair of Halifax Sharedealing. He joined the Board
Committee. in 2016.
“I’m a strong believer in continuous improvement and
making sure everything starts with the customer’s
perception of value. I was attracted to Skipton because
it has a strong culture in customer focus and uses
continuous improvement methodology to ensure
that the customer proposition is delivered effectively
and efficiently. I have a strong operational, legal and
corporate governance background in a number of diverse
industries.”
As a qualified solicitor coupled with her experience as
Global Chief Operating Officer of Clifford Chance LLP
Amanda Burton (until 2014), Amanda is able to support Board discussions
on legal matters whilst also offering invaluable insight on
operational performance and customer issues. She was
previously an Executive Director of Meyer International
A member of the Audit, and joined the Board in 2016, bringing more than 20
Nominations and years’ Non-Executive Director experience. Her other
Remuneration directorships are Senior Independent Director and Chair
Committees and a of Remuneration Committee of HSS Hire Group plc
Non-Executive Director and Non-Executive Director and Chair of Remuneration
of Connells Limited. Committee (Countryside Properties plc). Amanda is also
Chair of Battersea Dogs’ and Cats’ Home.
10 Vote in branch or by post“Living in the Skipton area and having previously been
part of the Group, I welcomed the opportunity to join
the Board. The Society stays true to its mutual ethos
and has its members at the centre of its thinking.
I aim to bring my experience of strong corporate
governance to the Board to support the Society’s
ongoing financial strength and growth strategy.”
Richard is a very experienced financial services
auditor and Chair of Audit and Risk Committees. He
brings vital finance and corporate governance insight
to the Board which the Board views as essential
Richard Coates
to its long-term success. A chartered accountant,
Richard was a senior partner at KPMG before joining
the Skipton Group in 2003 as Managing Director
of Baseline Capital Limited, which he retired from Chair of the Audit
in 2008. He is a Non-Executive Director of TPT Committee and
Retirement Solutions and the Veterinary Defence a member of the
Society and is also the Chair of the Audit Committee Nominations and
of both of these organisations. Risk Committees.
“Customer service is really important to me.
Skipton’s reputation for this and its investment
in the people who deliver it were strong drivers
in attracting me to join. I enjoy being part of an
organisation that has a purpose and seeks to
make a difference to its customers, staff and local
communities.”
Denise is a practising Finance Director and brings
current practical experience of finance and control
matters to the Board and Board Audit Committee.
Denise Cockrem She joined the Board in 2015, with more than
20 years’ experience in financial services. She’s
currently the Group Chief Financial Officer at
A member of Ecclesiastical Insurance Group, which is wholly
the Audit and owned by a charitable trust. Denise is also an
Nominations independent Trustee of MacIntyre Academies Trust,
Committees. which supports children with learning disabilities.
To vote online visit skipton.co.uk/agm 11“I am proud to be a Director of an organisation that
has a strong set of values and genuinely seeks to
put customers at the heart of everything we do.
Skipton Building Society has successfully focused
on helping people to save and have a home of
their own since 1853. My role is to support and
enable colleagues to build on this great legacy by
constantly seeking to improve the products and
services we offer to ensure that we meet the needs
of both current and future members.”
Ian has extensive experience in financial services
Ian Cornelius customer management and marketing and has
developed the Society’s customer proposition. He
successfully oversees its implementation with the
development of products and services designed
Commercial & Strategy Director, to support our customers. Ian has been a Board
member of the Executive, member since 2012. He previously held senior
Retail Credit, Asset & positions at Homeloan Management Limited,
Liability and Non-Executive Virgin Money, Bradford & Bingley, Capital One
Remuneration Committees and Boots. He is also a Non-Executive Director
and Chair of the Skipton of Incommunities Group Ltd and Governor and
International Limited Board. Trustee of Giggleswick School.
“I’ve been with Skipton for over 25 years and
remain passionate about its purpose, focused on its
customers and continual improvement. Skipton is a
trusted business that aspires to consistently provide
excellent service and build strong relationships with
its customers. It’s important to me that I can lead a
team to build a trusted, values-driven Society, which
inspires its people. My ambition for the business is for
Skipton to thrive and be a beacon for our customers
in a confusing financial world.”
David has a wealth of experience of the Society
having been its chief executive for the last 11 years.
The Board believes he is the right person to continue
David Cutter to lead the Society and its team in delivering value to
members, whilst continuing to develop its financial
strength. He’s had roles in many areas of our
Group Chief Executive, business, including periods as Operations Director,
Chair of the Executive and Group Corporate Development Director and Head
Retail Credit Committees of Internal Audit. He joined the Board in 2000. He
and member of the Asset & is a qualified chartered accountant, Trustee of the
Liability and Non-Executive Moorlands Learning Trust and a former Chair of the
Remuneration Committees. Building Societies Association.
12 Vote in branch or by post“In 1976, I joined a branch of Barclays as
the office junior. Since then, I have worked in
many roles and have learned that well-led and
motivated people will give great service to,
and do the right thing for, customers. I really
believe in this. I joined Skipton because it has
the same ambition. I feel proud to chair Skipton
Building Society because of its history, values,
the importance it has for our members and the
dedication of our people.”
Robert joined the Board in 2011, bringing
more than 40 years’ experience in banking in Robert East
the UK and internationally. He brings in-depth
knowledge of building and leading financial
service businesses. During his 32 years at
Barclays Bank he was Chief Risk Officer of Absa
Chair of the Board,
South Africa amongst other roles. He also led Nominations and
the restructuring of the Cattles Group, becoming Non-Executive
its Chief Executive in 2010 until completion of Remuneration
its wind down in 2019. He’s Chair of Vanquis Committees.
Bank and a Non-Executive Director of Provident
Financial plc and Hampshire Trust Bank plc.
“I love Skipton’s principle that puts members
first and services their needs without pressure.
What excites me is being a part of a team
that makes things happen and delivers with
excellence. I also have a unique opportunity to
serve on the boards of other financial institutions
in Europe, which keeps me up to date with
current issues, so I can contribute to the Society
by being able to weigh up different approaches
to common challenges.”
Denis has worked in senior risk roles with
Citibank, Deutsche Bank and GE Capital. He
brings a wide knowledge of risk management,
regulation and financial services enabling
Denis Hall
him to chair the Board Risk Committee and
provide support, advice and challenge to the
Executive on risk management issues. Denis is Chair of the Risk
also a Director and sits on the Audit and Risk Committee and a
Committee of Switzerland’s Cembra Bank and member of the Audit
is a Director and member of the Risk Committee and Nominations
and the Audit Committee of Moneta Bank in the Committees.
Czech Republic.
To vote online visit skipton.co.uk/agm 13“I have huge respect for Skipton, which plays
such a large part in helping people shape
better financial futures for themselves. I think
organisations that really focus on their customers’
needs are the ones that succeed in the long term. I
have worked in large corporations and small start-
ups and a common thread for making a positive
difference is that they all focus on doing the right
thing for their customers. Even though technology
and large change projects help drive innovation,
the key ingredients are always customers and
people – ensuring members and colleagues are at
Heather Jackson the centre of everything.”
Heather brings her strong business operations,
strategy and change background which is vital as
A member of the
the Society invests further in improving customer
Nominations, Remuneration journeys through its branches, telephony, web
and Risk Committees. and app. She also has 25 years’ experience in
senior roles at Lloyds plc, Capital One, Boots the
Chemist, Asda and Burton Group plc.
“I joined the Society’s Board in 2016 following a
period as an independent Director with Skipton’s
financial advice business. I know the broader
business of the Society well and importantly
what it stands for particularly in terms of its
genuine customer focus. My goal remains to
play my part in ensuring that we understand our
customers’ needs and provide them with the
most appropriate solutions from a business that
remains in robust financial health.”
Mark’s experience at senior leadership level in
financial advice and investment management
enables him to provide relevant insight which is
particularly important as the Society develops
Mark Lund its financial advice business. He has more than
35 years’ experience in commercial and financial
services. His previous roles include CEO of St
James’s Place plc, CEO of Virgin Direct and
Deputy Chair of the
Director of Henderson Investors plc. He is a
Board, Senior Independent Non-Executive Director of the mutual company
Director and a member of MyCSP Ltd and Chair of their employee benefit
the Audit, Nominations trust, a Non-Executive Director of Coutts & Co
and Remuneration Committees. and Chair of Equiniti Financial Services Limited.
14 Vote in branch or by post“Being part of a values-led organisation that has
its members at the heart of everything it does is
important to me and keeps me highly motivated.
I enjoy leading teams that embrace change and
continuously improve the financial strength of the
Society for the long-term benefit of our members.
My ambition for the business is for it to grow
sustainably, so we can continue to help more
people achieve their financial goals.”
Bobby is an experienced finance professional and
leads the Society’s finance and treasury functions,
amongst other areas, which are essential to the Bobby Ndawula
success of the Society. A chartered accountant, he
previously held a number of senior positions in Group
Finance and Financial Risk. With over 20 years’ Group Finance Director,
experience in IT, finance and risk, he is responsible
Chair of the Asset & Liability
for ensuring that the Society’s accounting and finance
practices remain at a high standard. Bobby has
Committee, member
been a member of the Board since 2015. He’s also a of the Executive, Retail
Trustee of Yorkshire Cancer Research. Credit and Non-Executive
Remuneration Committees.
“I believe the mutual model serves financial services
particularly well. Skipton is well placed to continue to
strengthen both its excellent customer service and
financial stability and I’m delighted to serve on its Board.
I am interested in encouraging the Board to maintain
a powerful connection between members and our
business and to evolve our strategy so that it continues
to thrive in a changing marketplace.”
Helen brings extensive marketing and digital experience
together with strong customer focus which the Board
Helen Stevenson regards as essential. She is also experienced in
remuneration issues and leads Board discussions on
these matters. Helen joined the Board in 2013. She
spent 19 years with Mars Inc, was Group Marketing
Chair of the Remuneration Director of Lloyds TSB and Chief Marketing Officer of
Committee and a Yell Group. She’s now Senior Independent Director on
member of the Risk and the Boards of Reach plc and Kin & Carta plc and is a
Nominations Committees. member of Henley Business School Advisory Board and
a Governor at Wellington College.
To vote online visit skipton.co.uk/agm 15Sustainability and the future
We’re committed to building Being one of the
a sustainable Society for our best places to work
members, colleagues and the
communities we serve.
Our colleagues are the driving force
behind creating a Society that has
a tolerant and inclusive culture.
We’ll continue to focus on creating
Last year, we focused on four of
a Society where no one feels left
the United Nation’s Sustainable
out, which is as important for our
Development Goals (SDGs) and
colleagues as it is for our customers.
created our own sustainability strategy.
The SDGs are a globally recognised Our 2020 plans include:
plan to end poverty, fight inequality
• a continued focus on training
and stop climate change. We chose colleagues to become Mental
four goals where we believed we could Health First Aiders, which goes
make the biggest difference and have hand-in-hand with our new charity
set ourselves the following targets: partnership with Mental Health UK.
• being one of the best places to work. • our financial well-being ‘Money
• taking action where we have Matters’ sessions will continue to
the greatest impact. run for colleagues in 2020.
• helping more people into homes and • where we can, we’re offering
supporting local communities. flexible working patterns to give
colleagues more control over
• always being owned and being their time.
responsible to our members, not
shareholders. • making sure our development
programmes foster a healthy
You can read our full sustainability
pipeline, and good balance, of
report in our Annual Report and
male and female talent.
Accounts. In the meantime, the next
four pages have a summary of our • we’ll continue to engage colleagues
plans and the challenging targets we’ve by celebrating diversity in our
set ourselves. Society and taking part in national
events and festivals.
• we’re working towards our goal
to increase the number of people
who gain employment after
completing an apprenticeship
with us by 200% in 2022.
16 Vote in branch or by postTaking action where we
have the greatest impact
Send less than 1% of waste to landfill by 2022
We’re really proud that we’ve managed to achieve
this target three years early, introducing segmented
bins at head office. We want to maintain this while
focusing on reducing overall waste volumes.
Eliminate single-use plastic across the
Society by the end of 2020
We already use compostable food trays, have an
eco shop in head office and we’ve decreased the
use of plastic cups, with many colleagues using
their own cups instead. We’re going to maintain
our focus and encourage the use of more
sustainable products so we can reach our target.
Halve our carbon footprint by the end of 2022
We use a renewable source of electricity, we’ve
committed to plant 15,000 trees in the Woodland
Trust’s Northern Forest and have two electric cars
in our fleet. We’ll do more over the next three years
to make a difference.
To vote online visit skipton.co.uk/agm 17Supporting local communities
Our colleagues and customers love to give back, whether
it’s by donating or volunteering. And it’s all part of our
sustainability strategy, which is aligned to the United
Nation’s Sustainable Development Goals.
Charity partners old and new
Saying goodbye to our partnership
with Alzheimer’s Society and
Alzheimer Scotland doesn’t mean
100%
we’ll stop supporting people with
dementia. We’ll continue working
to become a dementia-friendly
organisation through improvements of branches have
to branches and head office as well
a Dementia Friend.
as our commitment to the Dementia
Friends initiative.
Over
£250,000
raised for Alzheimer’s Society and
Alzheimer Scotland 2017-2019.
This year sees the beginning
of our new charity partnership
with Mental Health UK, which
lasts until 2022.
The charity offers support, information and expertise to
people affected by poor mental health. Our mission with
1in 4
people in the UK
our charity partner is to give more people access to good
places to discuss mental health. Together, we’re aiming is affected by poor
to raise £250,000 over three years, so that Mental Health mental health.
UK can create community networks to support people
(Source: Mental Health
affected by mental health problems.
Taskforce NE. The Five Year Forward
View of Mental Health, 2016)
18 Vote in branch or by postIn 2019, to support our target of helping 1,000 homeless people by the end of 2022,
we launched a brand new scheme called Community Giving.
We invited the mortgage intermediaries we work with (and their colleagues) to nominate
local community groups that actively support housing and homelessness initiatives to
receive one of 40 pots of £1,000. We received a great response and we’re planning to
do it all over again in 2020.
Fundraising highlights of 2019
we donated £160,326
to 95 charities through
the Skipton Building
Society Charitable
Foundation.
we raised £99,807 for charities and colleagues spent 3,826
gave £33,460 in matched funding. hours volunteering.
To vote online visit skipton.co.uk/agm 19Notice of Annual General Meeting 2020
This year’s Annual General Meeting (AGM) of Skipton Building Society will be held at the
Skipton Building Society Principal Office, The Bailey, Skipton, North Yorkshire BD23 1AP
on Monday 27 April 2020 at 6.30pm for the following purposes:
Ordinary Resolutions
1. To receive the Annual Report & Accounts
2. To re-appoint Ernst & Young LLP as auditors
3. To approve the Directors’ Remuneration Report for the year ended 31 December 2019
Elections of Directors
4.1 To re-elect Andrew Paul Bottomley
Join us for our AGM
4.2 To re-elect Amanda Jane Burton
4.3 To re-elect John Richard Coates
■ Skipton Building Society,
4.4 To re-elect Denise Patricia Cockrem The Bailey, Skipton,
4.5 To re-elect Ian Michael Cornelius North Yorkshire BD23 1AP.
4.6 To re-elect David John Cutter ■ Free parking is available on site.
4.7 To re-elect Robert David East ■ earest railway station: Skipton.
N
4.8 To re-elect Denis Arthur Hall There’s a taxi rank at the
station or it takes about 20
4.9 To re-elect Heather Louise Jackson minutes to walk.
4.10 To re-elect Mark Joseph Lund
■ You’ll find a map on the enclosed
4.11 T
o re-elect Robert Samuel Duncan form but for more detailed
Mugenyi Ndawula directions, please visit
4.12 To re-elect Helen Claire Stevenson skipton.co.uk/thebailey
or call 0345 850 1733.
Notes that form part of this Notice of AGM
can be found on the enclosed voting form. If you can’t make it, follow
us for live updates on:
By order of the Board
@skiptonbs /skiptonbs
John Gibson, Secretary
28 February 2020
We can provide documents in large print, Braille, audio cassette or CD if you need them.
Please speak to a member of our team on 0345 850 1733 to find out more.
Skipton Building Society is a member of the Building Societies Association. Authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority, under registration number 153706, for accepting deposits,
advising on and arranging mortgages and providing Restricted financial advice. Principal Office,
The Bailey,
20 Vote Skipton, North
in branch or Yorkshire
by postBD23 1DN. Stock Code: 221_315646_27/02/20_P3You can also read
