The jury heard that Ms Spence worked in a TSB call centre after leaving school and then worked with the Co-operative Bank before moving to HSBC.
BBC: Lynda Spence trial: Mother's tears for missing daughter
The downgrades include a two-notch cut for government-controlled RBS, to A2 from Aa3, and a cut of one-notch, to A1 from Aa3, for Lloyds TSB, a division of part-nationalised Lloyds Banking Group.
In that e-mail was a share customer number, and a link to the Lloyds TSB registrars website, where shares could be sold, albeit on a conditional basis pending formal acceptance of Egg on to the stock market on 19 June.
TSB, a rival British bank, whose profits last year were only two-thirds as big.
Lloyds TSB was a boring bank, it was a steady bank, it hadn't done silly things.
Scotland's housing market remains "muted", with only a slight rise in prices over the last year, according to a report from Lloyds TSB Scotland.
TSB, a British retail bank formed by a merger in 1996.
ECONOMIST: What happens to pay if prices are static, or falling?
There is a helpline for Lloyds TSB investors - 0845 845 8822 - or they can write to: Customer Relations, Lloyds TSB, Mountbatten House, Chatham ME4 4JF.
The TSB envisages a third-third-third funding model in which the money to operate it comes partly from government funding, partly from competitively won institutional contracts, and partly from the private sector.
Dundee has had a particularly volatile price, according to Lloyds TSB Scotland, though it said that might be explained by a very low number of transactions.
BBC: Lloyds TSB reports uncertainty in Scottish house market
Meanwhile, Lloyd's TSB Group , a British High Street bank, yields more than 8% and also costs ten times its earnings.
The grant was offered by the Technology Strategy Board (TSB), a body set up by the government in 2007 to stimulate technology-enabled innovation.
First-time buyers in Tunbridge Wells are being offered help to get on the property ladder in a scheme operated by Lloyds TSB and the borough council.
BBC: Tunbridge Wells council launches Lend A Hand home scheme
Kensington and Chelsea was a "prime, central London location" which was attracting "affluent celebrities and ultra-wealthy foreign businessmen, helping to drive up house prices", said Nitesh Patel, a housing economist at Lloyds TSB.
Ken Farrow, head of fraud at Lloyds TSB - and a former detective chief superintendent in charge of the City of London Police's economic crime department - believes the well-planned nature of the robbery suggested a plan on how to dispose of the cash was in place.
Meanwhile, a decision on whether the Lloyds TSB bid should be referred is due on 23 February.
Lloyds TSB has set up a helpline for customers: 0800 3284761.
In a simplistic and very rough calculation, that comes to 200 more branches being sold off - or a chunk slightly larger than Lloyds TSB Scotland.
The statement came two days after BoS threatened to pull out of the merger talks if a rival bid for Abbey from Lloyds TSB was not referred to the Competition Commission.
Barclays has taken over Woolwich, NatWest was the subject of a hostile takeover battle, while Abbey National took over Scottish Provident, a mutual insurance company, and Lloyds TSB bought Scottish Widows.
Charities in Dumbarton have delivered a letter to the town's Lloyds TSB in protest at the bank's decision to end its charitable foundation.
The branches, grouped together under the name Verde, will be operating as a separate business within the Lloyds group under the TSB brand by this summer.
Lloyds TSB is to take over HBOS in a deal which will create a banking giant, holding close to one-third of the UK's savings and mortgage market.
And for the UK, the long expected downgrade (also by Moody's) of the credit ratings of Royal Bank of Scotland, Lloyds TSB (sic), Santander and a number of smaller banks and building societies has taken place - which, I have to say, I regard as of lesser significance.
It concluded that the acquisition of Abbey National by Lloyds TSB could be expected to lead to higher prices and a loss of innovation.
Lloyds TSB has about 5% of its corporate customers on a watchlist for special support, and it expects the proportion to rise to 10% in the coming year.
ECONOMIST: The banking crisis overflows into the real economy
"Glasgow has some quite extreme challenges - it has the lowest life expectancy of any city in the UK for instance - and the hope is that if we bring together energy, transport, public safety and health it will make it more efficient and a better place to live, " said Scott Cain, the TSB's project leader for Future Cities.
"The figures show a strong increase in services output, " said Trevor Williams of Lloyds TSB.
应用推荐