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From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?You=E2=80=99re_one_step_away!?=
Date: Mon, 13 Jul 2026 17:42:08 +0100
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A quick way to find your National Insurance number. 
<https://links.pensionbee.com/s/eo/Ia7a0WcQPvQ6C-OB_5CW4--Rua5ulb8SJh9EDavcMSs1LWX0_HUmScPBxX3SkWTnA2x2I1iNkY_OEe7uaki3LRA8mdku0PzF3EAlZT3mqblOhDf03ivtsB2PmjrN6p0Zkl7NWvp4K-lYeYLsq9nIjbkAesuQ8ryEL7SEiZZOBQExJkoh03NJiBaIKCP8-AzF8IU34qsZLtBKFF0VyhkNZp4ndAk9TmW0HA/k4izI93QC61Ybw2PJV_8Odx_dJTfnl-i/22>







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Hi Robert,



It looks like you might’ve had trouble finding your National Insurance (NI) 
number. Don't worry, most people need to look it up.

Here are the quickest ways to find it:

*	Check a payslip, P60, P45 or any letter from HMRC or DWP - your NI number 
is usually printed on there.
*	Log in to your personal tax account at GOV.UK - you can find your NI 
number listed under 'personal details';
*	Ask your employer - if you’re employed, they’ll have your NI number as 
part of their payroll records.

That's all we need. Once you’ve got your NI number, you can finish your sign 
up and start managing your pension easily online or via our app.



If you’re still having trouble finding your NI number, check out our guide 
here.


Finish your sign up




With investments, your capital is at risk. Pensions can go down in value as 
well as up, so you could get back less than you invest.




Have a question?

Get in touch with our friendly UK team.







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ight:20px!important;font-size:1px!important;line-height:1px!important}.em=
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font_34{font-size:34px!important;line-height:37px!important}u+.em_body =
.em_full_wrap{width:100%!important;width:100vw!important}.em_img{width:24=
5px!important;height:auto!important;max-width:245px!important}.em_width{w=
idth:100px!important}.em_h40A{height:40px!important}.em_hauto{height:auto=
!important}.em_h17{height:17px!important;font-size:1px!important;line-hei=
ght:1px!important}.em_logo{width:45px!important;height:auto!important}.em=
_bg_line{background-image:url(images/bg_img_line.jpg)!important;height:7p=
x!important;background-position:center =
top!important;background-repeat:no-repeat!important}.em_font22{font-size:=
22px!important;line-height:26px!important}.em_w87 =
img{width:87px!important;height:auto!important}.em_w195 =
img{width:195px!important;height:auto!important}.em_w1{width:20px!importa=
nt}}@media screen and =
(max-width:320px){.em_font22{font-size:18px!important;line-height:22px!im=
portant}.em_w1{width:20px!important}}</style> </head> <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
class=3D"em_full_wrap" align=3D"center"> <tr> <td align=3D"center" =
valign=3D"top"><table align=3D"center" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" class=3D"em_main_table" =
style=3D"width:600px; table-layout:fixed;"> <tr> <td width=3D"25" =
style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> <td align=3D"center" valign=3D"top"><table =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
align=3D"center" style=3D"width:550px;" class=3D"em_wrapper"> <tbody> =
<tr> <td height=3D"22" style=3D"height:22px; font-size:1px; =
line-height:1px;" class=3D"em_h20"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> </tr> <tr> <td class=3D"em_grey" align=3D"center" =
valign=3D"top" style=3D"font-family: 'Open Sans', Arial, sans-serif; =
font-size:12px; line-height:15px; color:#909c9e;"><a =
href=3D"https://links.pensionbee.com/s/vb/uuYGiWFFgItGttoQWZFQNeco5Y1KCtf=
2q6CEZU1P_MWsiA3h-fgQYpOrY1Wj-9Edeet1eQWrP75g-RMnVXb-2kvmPNpfZ3H3eI5r4y-q=
c6qKUdFxv0WCntc1CEP_eezYU1XEF0qqWUuCLE92IJTvM8zQTCFq3Op59r0/d4VyRwaNpKqIZ=
VSBHCLj9AWKNIWSwUzm/22" target=3D"_blank" style=3D"text-decoration:none; =
color:#909c9e;">View in browser</a></td> </tr> <tr> <td height=3D"22" =
style=3D"height:22px; font-size:1px; line-height:1px;" =
class=3D"em_h20"><img src=3D"images/spacer.gif" width=3D"1" height=3D"1" =
alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </tbody> =
</table></td> <td width=3D"25" style=3D"width:25px;" =
class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
height=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> =
</table></td> </tr> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#343a40; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/oIP1BSjd71COZthVXiBpKo6bAUOeAfU6=
EGDLsshr7DfiBsiEXR6Vj7DPuafsmfpabvq9MzjvPqKomAZiYOs7kX4BpljZCDqH-PQGlmgJY=
ViRVTD4SmlytYFIE_4w5cWYV0B8tLc4aRdPUwSFBDo0KAclIqDWiHzDWXo5POCB_hkoyjS1zR=
92yZ9PVGxFIsolW4qFtTlaqrsJKIhBVvoYRxdYpKgb-b8uNF-iuOk1216QY_86j8PZzwsmIp1=
nSgeos_t2Wuxojt3WMsmb81GaenUtD8XANCGUoR2OZEyoGaZ7XdtBJ5H876FzGsmPOYmmIqFo=
PoWqfk4BUCDGXyKeBcRAmZB-jPrtbDzc0kwdrXerXgtzHawJcIbsaKOEF6WDi3o7lZj800NeN=
rORiLNsDkqqldBm3uHcwureQ8W0CIT4CzMkAUQw_1puYHdzFf80Zg/85Tb4-i8boYuUNyHN3L=
GRj9owX_ocXtp/22" style=3D"text-decoration:none;" target=3D"_blank" =
title=3D""><img alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731506007/ema=
ils/email_templates.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/8jzgIfh3NJlkzarAaESBWocse4zqzuYs=
FzTqtyyHfCQ98Ir6g3idcY0Sdlm3FdOKDXCc_4LtTveCxVae_NUYXpmLD0pQYr_DdQ0pMw1Fl=
0cA-uaK10OcVkGASF9TLk66HSpN2GofZAjkCEpVdFn-co0kP0TM2HXaN6Y_qYPV_sRIy5FxzE=
UQZFHfq741yNunroDyNpP56dYZoPIfJBcE86yfoesMCG__FArXv9o8ngT-pqkY0TTyGDR4GNQ=
GOrc3P2zi82G93DTp7dNjK5-CD-cFsLWEwSDKz5G7xJqn9HqgAreYJyIkQ2pHfmLRMm_irvTp=
YbyPNAw_iUERgeb-tDNxjtDNIk2So9AipPl0H1FzSYycs19sFVubG2HP1xA3K2cDiJbAvb4IF=
5fVLMdfQzp6cVroUYYq3XlHa73qB3a0TxxAkMcHbxg7l7wjtw6eXA/Eyvi6FxAVzzqyR7uHCr=
CEjI6C0n1OcfG/22" style=3D"color:#343a40;text-decoration:none; =
display:block; line-height:42px;" target=3D"_blank" title=3D"">Log =
in</a> </td> </tr> </table> </td> </tr> </table> </td> </tr> =
</table></div></td></tr></table><table class=3D"image_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; width: 100%;" =
width=3D"100%"><div class=3D"alignment" align=3D"center" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/eBLVEAZN4FVYh27EWnolmIUtb7IcCl-j=
S2rfqZTJLcJBaTpHal0XVyVCUvWD-S1fmOB0Mi2q17ROQpiHUBA2bgCtCm0oFEgxs0eVpRH69=
M3ZIGD2ZjS9-zWDEh1GH1LbJe9VnLlAkx0QpniAs_bUyOJ3Tf1GyhmCzXVrSFGoUOte187XY9=
Gqyj6qWkCT8rNcI-1bzICnuLpYR1opryVumEVwkW-wVRc_aMgAa28Llh5oCh6bfcPSR4UoVMi=
j6jfqayNHx6s9t1PyXKpw0vA-F9pY_2TjmahbhjOAfg8D64YapLjny_hccS06p2koOEmLUzhS=
bgffyeKSu5mcCm4bfZRMohO9Bvrnejc0a9ku-OuDaZdURN7tPE8M3KLhTibjTNxiYtYQwld0Y=
Hx-3Ee3sIiTawmplliOUAdxtMpZ-YXwBryPyPUPHW1ChMj3VRRUzpbLKygaDmsa5Wjdmze1/W=
WWWuoxG-FQcMAijH_9Mx-TNPTVg7KxI/22" target=3D"_blank" =
style=3D"box-sizing: border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1776951493/ema=
ils/2026/How_can_I_find_my_National_Insurance_number_.png" =
style=3D"box-sizing: border-box; display: block; height: auto; border: =
0; width: 100%;" width=3D"600" alt title =
height=3D"auto"></a></div></div></td></tr></table></td></tr></tbody></tab=
le></td></tr></tbody></table><table class=3D"row row-2" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 12px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 18px; =
color: #3a342c; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;"><span style=3D"box-sizing: border-box; word-break: =
break-word;">Hi Robert,</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">It looks like you =
might=E2=80=99ve had trouble finding your National Insurance (NI) =
number. Don't worry, most people need to look it up. </span><br =
style=3D"box-sizing: border-box;"><br style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">Here are the quickest ways to find =
it:</span></p><ul style=3D"box-sizing: border-box; line-height: 1.5; =
mso-line-height-alt: 24px; font-size: 16px;"><li aria-level=3D"1" =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;"><strong =
style=3D"box-sizing: border-box;">Check a payslip, P60, P45 or any =
letter from HMRC or DWP</strong> - your NI number is usually printed on =
there.</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;"><strong style=3D"box-sizing: =
border-box;">Log in to your personal tax account at GOV.UK</strong> - =
you can find your NI number listed under 'personal =
details';</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"> <span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;"><strong style=3D"box-sizing: =
border-box;">Ask your employe</strong>r - if you=E2=80=99re employed, =
they=E2=80=99ll have your NI number as part of their payroll =
records.</span></li></ul><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;">That's all we need. Once you=E2=80=99ve got your NI =
number, you can finish your sign up and start managing your pension =
easily online or via our app.</span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">If you=E2=80=99re still having =
trouble finding your NI number, <a =
href=3D"https://links.pensionbee.com/s/c/g3-ueR_8N2pTkNAvESzCCCyvp9J8U4-C=
vbMqvK6HErjxEC7NHTWlCfgzFI3NVo2P289D8ipGqpkEAQvCbJMqjM7-9GyYsdH_C9BAB7fuu=
_w_Pa1_FXCLf3-60Lbd8_n49F3AWj50gt_RXAglWh8i-WvxrTjjqBvRfmDeH8ykOf5tFD7NBR=
9844pTt8TneZtfrm-yZAEub55zKqLiD7fkVHXsDxfr9DD601_XAppADFaep0haqVH4-ZzcmCa=
odIo0yv0XdhME4GHLZnPsvBT8UuY0MJkuUC8oXk0flBykERIFeAhEZ-akQbyR1iVM3aoNdXWA=
xu0GRg1sldp6snELr4EDXkCtnKCRqT9nYAsvSZewJuzkAUgFYESiwj3lOMqXd1d1BWU0qfIDi=
SuofGRg8f-N_d9IgOtMFFu8mQYwczsEHIkgxEmhovE_O283989Nz10s02b-SaVrPDxo7Rkxl1=
TdQR9etY2p_RfVcSGPQ1g9YTYliCBiV3mKqCYh-MeaJKNZREP_ioE4TvKvrT6KSjZQk6VU6Vl=
hWmyXWU2o1rEHs8DgD5zsd5eYZOatvBYR3rIOM4nZkJPlQ530DAT9cW0_MSfwMrk58CzI_KgM=
uEaAlQNd4U-byXBUhcWrIHI74-lxzgmhDu5dnC2r17yn0dyAN0LoL0J-h0V3s0yYPrMYUxQl0=
coTDTgnbmasp-WMAJtZekCjNOqQiMzg1SsLK1bSEqw_Q4McMrD1SH8OM9-Ib9NFPyol2zan1Q=
EJDa3FFRIzw_zNXXEuzUsm_psiGrG6YJbOg5K48LtWVWdPU-R8bkj34ofk3mAwdjbBWtcsFrj=
PgH5FT-v6u_t--g/6WdP9Hxoc_hqo7aGLkcuhDfqFaD1qwSs/22" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">check out our guide =
here</a>.</span></p></div></div></td></tr></table><table =
class=3D"button_block block-2" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><a =
href=3D"https://links.pensionbee.com/s/c/oeHCGSEg5x2YgGbZhgUKqe-V-gGdLMgC=
s1lgWWQtZGbyYYLKFdj_gkWlf7lHNbFnpkWWJwaXRAaQlIFI9uvk3MLkhn1ELX9r8CxM0cp9k=
U2n3Ge2wE3AVZ6dx6QtPgiMXdkO1n-ghSVWdmzkCpWbCMlhl6sNb4QsgnXt-7nmAYx_NyR3mR=
NDeIZWxX8Nz0nesMUCmtaTzrD-w_RnqhyaJ-qdLT92UBWP9yY9L0CsSJq9loriGBfRGUkc_9H=
dPzhQGRWcHFKWSWYZJ35JprkkVFRVn-3YgN-s61vW1uxgfqSdAbJoCn2Xjqt_pgz-uGaUdEDZ=
B-nbM65cPaYp2QKYSWY3CcOndf0XWI4sX3baHAJzY7HO8MMUfJ6BPctKsjbjMNJfrZZ1Mnk6E=
-UdDPVkvalptnOS_daCMEvU-9af3p7_7vgwD9oTsHBHFTbd5gfoTGzX/ZtPdOYh73RUwEcefF=
PaLEa0VcghKJo4A/22" target=3D"_blank" style=3D"box-sizing: border-box; =
color: #3a342c; text-decoration: none;"><!--[if mso]><v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://links.pensionbee.com/s/c/cmyns2t4IzKz6Apmzv9LVKNTA5-s98M1=
5Js4kKh6fh0bEwOCd1RsF2sOW2kHxK0g76bBAK762RUBC_RNEBzWjcnktMPmjJ4npxry9GDSn=
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style=3D"height:44px;width:187px;v-text-anchor:middle;" arcsize=3D"28%" =
fillcolor=3D"#f9c000"> <v:stroke dashstyle=3D"Solid" weight=3D"0px" =
color=3D"#f9c000"/> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,0px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:sans-serif;font-size:16px"><![endif]--=
> <span class=3D"button" style=3D"box-sizing: border-box; =
background-color: #f9c000; mso-shading: transparent; border-bottom: 0px =
solid transparent; border-left: 0px solid transparent; border-radius: =
12px; border-right: 0px solid transparent; border-top: 0px solid =
transparent; color: #3a342c; display: inline-block; font-family: Arial, =
'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; font-weight: =
400; mso-border-alt: none; padding-bottom: 10px; padding-top: 10px; =
padding-left: 20px; padding-right: 20px; text-align: center; width: =
auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"box-sizing: border-box; word-break: break-word; line-height: =
24px;"><strong style=3D"box-sizing: border-box;">Finish your sign =
up</strong></span></span> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #333; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; padding-bottom: 30px; =
padding-top: 15px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 14px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 21px; =
color: #343a40; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"><em style=3D"box-sizing: border-box;">With =
investments, your capital is at risk. Pensions can go down in value as =
well as up, so you could get back less than you =
invest.</em></p></div></div></td></tr></table><table class=3D"text_block =
block-2" width=3D"100%" border=3D"0" cellpadding=3D"5" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #343a40; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; text-align: center; mso-line-height-alt: =
21px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; color: #000000;"><strong style=3D"box-sizing: =
border-box;">Have a question?</strong></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 21px;">Get in touch with our =
friendly UK =
team.</p></div></div></td></tr></table></td></tr></tbody></table></td></t=
r></tbody></table><table class=3D"row row-4" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Call_us.png" style=3D"display: block; max-width: 30px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; text-align: center; height: auto; width: 100%;" =
width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Email_us.png" style=3D"display: block; max-width: 34px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; height: auto; width: 100%; text-align: center;" =
width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
ils/Live_chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/KFPlcQtkZ7Q6rzXwrjHF_YE1dE24N9Uz=
aMt_haHBSdgwVGl2Tv34D3gI6jkn6F56B_TGiTtzhiGb_Fstjan_eMTrx2UaiH1avoG_-m-8u=
C69sTwYuUX3ON20h8PxpFf2MCfh-xD2hoxkRZ8oIbjdoAmpRDMDxqZx1BROnm7L-uCY_gFn7w=
TrCVwGZ14OpvbV1MHc_yvGy0SCFqkTvMCqiyXCywL8ti6mz1ItPLVppVLBIXibj3reFA_ddTA=
h4GXZ9-PLZYsAsJDzQwt8KZe1P0UobinokHZ0SaOHpZPboreKyP5e0cCx2HFXJD0yAxFDgpu0=
h7VghLDX4q3s3JMIQ1X3UmwEn-SGzsQ6yvK4ebkmUM8HozHZ0gxGRZDrf7K_KSYcwb4etnJ1t=
6Hg5WOg6E2x/dmNFn23lKqbEpXMq_IFD75D-id5JKmn1/22" =
style=3D"text-decoration: none;" title=3D"Launch live chat" =
data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, 0);">Launch =
live chat</span></a></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 12px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 11px; line-height: 16px; color: rgb(0, 0, 0); font-weight: =
400; letter-spacing: 0.3px; text-align: center;" valign=3D"top">Speak to =
a member of our friendly team now</td> </tr> </tbody> </table> </td> =
</tr> <tr> <td valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> =
</td> </tr> </tbody> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" =
style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
</tr> <tr> <td align=3D"center" class=3D"em_p30" style=3D"padding: 30px =
20px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
442px;" width=3D"442"> <tbody> <tr> <td valign=3D"top"> <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 279px;" width=3D"279"> <tbody> <tr> =
<td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, =
Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/s/c/xi_Obs8Y_4M3R239yCd3ddtN_dlvP_dc=
EX1SgvrDbTJCcvIbNptxF38VgUd3xv9IKDVYhIbiMHi7vsMQVGr3NusB2iD5FZq4Yhi-hN4Uu=
UEPgSTkEtfelbMgkd1fMXKyKGy-CLc_ILGfDoLKDoIuABZRuAI9hiTPNLUbSHuzrtVI9xCZI7=
T9_Ik4DUUZrv9BMi3ZCtROJPYkSzYb1C36LnUWsgCJf_utOH0eDlKwQK5mD8WEGYWrg70bX5a=
_W0tlEpSqQs8fcjgOPx0N6IqvpEJAHX3NytLsq5u6ZBjxQ1AKD4CE8oIjRHeoJ2E2QRdogFbW=
uNewtsw4008ioCCy8XJuL2nNKN8hcnAgRcHKihR2O7Srcslxc3pLNQHsKvu9SzyFZs_dXfBds=
lgHjHMk9Ma4wQ0nALnGh_UuTI16hLGsfKoQ7TS1-T5xFWHNf43Ou76TAZfVZ3MPlAKi62uTZ3=
4Dxz-pLuQKULR-3jUi2OO1MhFslRK1IKUd4qbctxHtGQFNXePa4dSEfpKfFvZMp-1JiUHG-kI=
Ra8ho7knwKEx24UET8yyf4rZH1mlf_qFeenN2SdxDuZZR/MSbytvPgK3Lvi3opJKTekvy7ns7=
kMzzX/22" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot rating" =
border=3D"0" height=3D"16" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/text.png" style=3D"max-height: 16px; margin: 0; padding: =
0; width: auto; border: none;"> <br><img alt=3D"Trustpilot Stars" =
border=3D"0" height=3D"40" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/stars.png" style=3D"max-width: 160px; width: 100%; =
max-height: 40px; border: none;" width=3D"160"> </a> <br><a =
href=3D"https://links.pensionbee.com/s/c/0LuKmF4v48IhZA8FhtKBcomtWzMaVqBb=
dAMZPP4uCegBitT9peEFmXrIWxxgxsjbjamAjOHQaaJOquZ5tTdNtKL_-G5FTOiWxba8JobKY=
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TR05hwKZyTUmlXUZi7lsb66ZgZCDCQx6KALhSGVqHAh_hhYBnC_3Nlo7amz8G8xG79BtmN18Z=
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pLppBYRRxdvm5P0rf54fRe-s1U6FSU3Rjt-OnxF3eQELtjbWqMeSqRr4Vzh79-0haqFcsVVbt=
SV7mSzoNhgD57MJbNsR7RConBoi8RljmqDRsTEKhk8VPG/q7_5gnZlPZ6tTrVZHV1Wn81cyaF=
fOED0/22" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot Logo" =
border=3D"0" height=3D"20" =
src=3D"https://emailsignature.trustpilot.com/brand/s/2/logo.png" =
style=3D"max-width: 79px; width: 100%; max-height: 20px; border: none;" =
width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> =
<tr></tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/6OzxHY4sC47mA-wLTRq1CU4D9KJJm9V2=
hByjWD21crL6dBLoK0KqIu3oYWNlBV8wPDhzdL2G1SVxCTDIYmF_W5wmK-zNFSUqqh8plKtiU=
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vbYzUrhjI5Hrmo_KlNCZGvHpbmsUa31B_-KTJ9h6ICeutNdCH4OY0TpDkL7-8seA3FQqaYm67=
uogGJ2KsDQuiBCfA6HweiVtVuUzmO1o8ZQPo_zJmwp2yJecT3DxjCF4qk1rlmbjGlA2YJdrL0=
NPd86EK9hFn9NhKlmzv5N4lPph8sSXl/iEybSXDIlwcD551TaQVXzRvYtLepRV6v/22" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_Facebook_yellow.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/7646yQmnzuLWWomGSCDB5ONlH6vMUShB=
HThjuF3SvBjjxeNz0UB_27JYyGA8cygnpnKvFFJKvVXuzUTSma4jUlyOeIhQWR4ZtTL8Tv4XX=
r1FEO-zGaEsFj1-coRWdI73EHsZZ6-afAsvwRynE-K4tUkBsKNQgOjWtIhyEjhZq8VUSAv1ye=
JiJUUNHrEAXdo-8pGRGSk2K3Iz5i2heRQjwz0Y6BE9IfvbqS2GqaXM9DFASPrhIeWArvaUusB=
XFQcHXLLGM_O65JYZ2AvVpBo35D9azt3cfab-PTnDYqrPLrCaFxa3a8fTokcif12_Vz7i3lG3=
J1oyIE-J9o-AKc-4fbWVYUk7Ejm_Y12QmCS3zoVBsA5iGx43FiwYhplczqH-TM-gQy1RsuLnO=
I_sZ2bA3q51oanEGRtd5P4aO0PCfSUy/yjonHNZcRG1FTT-RwaEjgYSOjgmMgtLM/22" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_at_yellow.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/i_taRFNzlIqn9029BUh_TuqfhdQl7lwB=
TLgOjGzwaIclkzij14Z-BIYAIV3Qz8Dn62eZOPO0YA3cvi8JfZb03_XOF8CDJ54YvB3-d7IVK=
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GDUB-a_YUE_YVo5bfb3MuhpXBMNaMkbJT1M29EenM87Y87otmAT4Nr_CzgTq9U8cMKl8FqOkS=
YMXlV9hhw47YgXv5mrh9h4zYa6on3TQD66A0tZn7dUaA62Qu7RoWo3Yk_gShkZ399DYUN4ocd=
YTE7yPR24PRytYwI5KIZZoyxuEPSw/bxhBfCkHdoWf3NYKfD1gIkt5WEOKq_-7/22" =
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