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</html><description>Fred is a Scottish Chartered Accountant with over 20 years&#x2019; experience in finance and international business operations. From 2000 until February 2006 Fred was CFO of Royal Bank of Scotland Group (RBS) having joined the Board just after the acquisition of Natwest by RBS.&#xA0; Fred was a key member of the team at RBS responsible [&hellip;]</description></oembed>
