20. Creditors – UCSF Amounts falling due after more than one year

2009
£000 		2008
£000
UCSF amounts represented by:
Investments and loans less provisions 805 1,558
Cash - 32
Total 805 1,590

UCSF loans are non-interest bearing. The repayment terms are set out in note 15.

Cash, and subsequently investments and loans on the Balance Sheet, are matched with an equal and opposite creditor evidencing that these are ring-fenced, as fund income cannot be used by the Group until the fund value exceeds three times the original fund.