215 ANNUAL REPORT 2010 instances, AEGON subsidiaries modified business practices in  response to such inquiries or the findings thereof. Certain  AEGON subsidiaries have been informed that the regulators  may seek fines or other monetary penalties or changes in the  way AEGON conducts its business. EUR 3.3 million from the FSA due to systems and controls  failings, some of which have led to customer detriment.  AEGON does not believe that material liabilities will arise from  such reviews, however there is a risk that the Group is not able  to resolve such matters in the manner that it expects. In certain  The following table reflects the carrying amount of non-cash  financial assets that have been transferred to another party  under security lending and repurchase activities where the  counterparty has the right to sell or repledge.  The operating lease obligations relate mainly to office space  leased from third parties. The total of future minimum sublease  payments expected to be received on non-cancelable subleases  is EUR 11 million.  The operating lease rights relate to non-cancelable commercial  property leases. SECURITIES LENDING AND REPURCHASE ACTIVITIES NOTE 49   SECURITIES LENDING AND REPURCHASE  ACTIVITIES AND ASSETS ACCEPTED AND  PLEDGED AS COLLATERAL ASSETS ACCEPTED AEGON receives collateral related to securities lending and  reverse repurchase activities. Non-cash collateral is not  recognized in the balance sheet.  AEGON retains substantially all risks and rewards of the  transferred assets, this includes credit risk, settlement risk,  country risk and market risk. The assets are transferred in  return for cash collateral or other financial assets.  The carrying amount of non-cash financial assets that have  been transferred to another party under security lending and  repurchase activities where the counterparty does not have  the right to sell or repledge amount to EUR 172 million (2009:  EUR 57 million).  Cash collateral is recorded on the balance sheet as an asset and  an offsetting liability is established for the same amount as  AEGON is obligated to return this amount upon termination of  the lending arrangement. Cash collateral is usually invested in  pre-designated high quality investments. The sum of cash and  non-cash collateral is typically greater than the market value of  the related securities loaned. SHARPENING OUR FOCUS Financial assets for general account 2010 2009 Available-for-sale 10,465 6,600 Financial assets at fair value through profit or loss 89 51 TOTAL 10,554 6,651 Financial assets for account of policyholders 5,679 3,592 2010 2009 Future lease payments Not later  than 1 year 1 - 5  years  Later than  5 years  Not later  than 1 year 1 - 5  years  Later than  5 years  Finance lease obligations 2 8 1 1 1 – Operating lease obligations 80 208 350 86 239 351 Operating lease rights 55 130 77 43 98 57