The bank added it was still negotiating the final terms of its participation in the UK Government's toxic-debt insurance scheme. It may have to pay more to take part. Lloyds shares tumbled 6p to 70½p after adjusting for the fact that buyers would no longer be able to take part in the share offer, meaning new buyers would be heavily diluted. The EU is reviewing three areas of Government support for banks. They are: support through taking stakes, the credit guarantee scheme underwriting bank debt and the toxic-asset insurance scheme. The move also raises questions over Royal Bank of Scotland, 70 per cent owned by the state and also in negotiations over its own toxic assets although it has already launched a programme of disposals. Barclays has used the credit guarantee scheme.