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Yes, Bank of Scotland is a legitimate and trustworthy financial institution, particularly when it comes to its regulated status by the FCA. As one of the oldest banks in the UK, established in 1695, the company has a long history of providing financial services, including investment options, mortgages, savings, and insurance products. The fact that Bank of Scotland is regulated by the FCA ensures that they follow strict standards to protect me as an investor. This regulatory framework means that the bank is obligated to disclose all material information about their products and services, making them a safe and legitimate choice. However, as someone focused on investments, I need to consider that while the bank is safe, its investment products may have fees that are relatively high, particularly for premium accounts. This can impact the overall returns, so I would need to carefully evaluate the costs before committing to investment options.