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Yes FMS that's mainly for the end value. Also my broker is keen to give a chance to a small local bank on a lighter note.

I've been advised to have a go at PNB by my broker as well for a devo site. By the looks of your answers it looks like there is some uncertainty in the air in regards to that new bank and former credit union. If PNB goes bankrupt in the middle of my loan, what happens next? Am I backed up by...