Creation Financial Services Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Creation Consumer Finance Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Sygma Bank UK is authorised by Banque de France and subject to limited regulation by the Financial Services Authority (FSA). Details about the extent of our authorisation and regulation by the FSA are available from us on request. The status can be checked on the FSA's website (www.fsa.gov.uk/register) or by calling 0845 606 1234. Direct Life and Pension Services Limited is authorised and regulated by the Financial Services Authority. Pinnacle Insurance plc is authorised and regulated by the Financial Services Authority.