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From: Jaguar Land Rover Pensions <News@jlrpensions.com>
To: bob@sarahharvey.com
Subject: JLR Summer Newsblast 2024
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Date: Wed, 21 Aug 2024 10:34:31 +0000
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Welcome to the latest Jaguar Pension Plan (the Plan) Newsblast
In this edition we=E2=80=99ve included articles on early retirement, the im=
portance of completing death in service nomination forms, pension scams, an=
d an update about our pension administrator.

IMPORTANT - PLEASE READ

Death in Service nomination forms

It is crucial to review and update your nomination forms for both the Plan =
and the separate Jaguar Land Rover Death Benefits Trust to ensure that your=
 wishes are accurately reflected and your loved ones are financially secure=
 in the event of your passing.

CLICK TO READ MORE ( #DIS )

CLICK TO READ MORE ( #DIS )

Pension scam pledge

The Trustees have signed up to The Pension Regulator's (TPR) Pledge to comb=
at pension scams and protect pension savers.

CLICK TO READ MORE ( #PSP )

Introducing Aptia

Discover more about our transition to Aptia for Plan administration.

CLICK TO READ MORE ( #IA )

How early retirement projections work

This article helps you understand how early retirement projections are calc=
ulated, how assumptions and market conditions can affect the quotes you rec=
eive and why they can change over time.

CLICK TO READ MORE ( #HE )

Pension scams
- stay alert!

It's crucial to be cautious if someone offers to help you access your pensi=
on before you turn 55, as it's likely a scam. The Trustee can refuse transf=
ers if they suspect it's a scam.

CLICK TO READ MORE ( #PS )

Contact us - Contact Aptia Pensions
The online portal is a secure and easily accessible, user-friendly digital =
method for members, dependants and their advisers to use.
You can access Aptia quickly and easily online by clicking here ( https://j=
lrpensions.com/c/AQiymREQ-fFrGKzmqxUg6_ixGF-k7ImHHa6SnlNCe-RTmAhs87N3J7wCtw=
Th_JLIwRMe ).
Please ensure you quote the Plan name and your NI Number in any corresponde=
nce.

Alternatively, you can write to:
Jaguar Pension Plan,
c/o Aptia Limited,
Maclaren House, Talbot Road,
Stretford, Manchester, M32 0FP

Telephone:
0345 078 2052
or 0044 129 889 0252
(if calling from outside the UK)

The long read...

Death in service nominations forms

( #DISLINK-BACK )

In April 2022, changes were implemented to Death-in-Service benefits, and w=
e want to provide you with a clear understanding of the benefits that may b=
e received in the event of death. The benefits are now set up as follows:

Half of the Plan pension you have accumulated up until your date of death w=
ill be paid to your legal spouse or civil partner for the duration of their=
 life. This pension may also be payable to an adult who the Trustee determi=
nes was financially dependent on you at the time of your passing. Additiona=
lly, all JLR UK employees are covered for death in service benefits through=
 the Jaguar Land Rover Death Benefits Trust. The nomination form is availab=
le on JLR=E2=80=99s own intranet site =E2=80=93 The People Portal. It is im=
portant to note that this is a separate arrangement from the Plan and there=
fore requires a separate nomination form, distinct from any you may have al=
ready completed for the Plan.

It is crucial to ensure that your nomination forms are up to date for both =
the Plan and the Death-in-Service arrangement.
Please take the time to review and update your nomination forms to ensure t=
hat your wishes are accurately reflected in both the Plan and the Death-in-=
Service arrangement. Your peace of mind and the financial security of your =
loved ones are our top priority.
For more information, please refer to page 5 of the April 2024 Jaguar Pensi=
on Plan newsletter.

Back to top ( #TOPv1 )

Pension scam pledge

( #PSP-BACK )

To help protect and reassure members of the Plan, the Trustees have signed =
up to The Pension Regulator=E2=80=99s (TPR) pledge to combat pension scams.=
 The Pledge emphasises the importance of protecting savers and fighting aga=
inst pension scammers and sets out several actions that trustees must take =
to raise awareness and protect Plan members.

Pledge Actions:
To regularly warn members about pension scams; To encourage members to seek=
 impartial guidance from Pension Wise when asking for cash drawdown; and To=
 promote awareness of warning signs and best practice for pension transfers=
.

The Trustees will use information and resources from the Financial Conduct =
Authority (FCA) ScamSmart website and follow the Pension Scam Industry Grou=
p (PSIG) code. The Trustees will also consider becoming a member of the PSI=
G. What this means for you and your pension:
The Trustees recognise that scammers can be difficult to spot and may try t=
o exploit trust. We are committed to protecting our members and have signed=
 up to the TPR Pledge to combat pension scams. By working together and foll=
owing the principles of the pledge, we aim to help protect all members of t=
he Plan. Click here ( https://jlrpensions.com/c/AQiymREQ-fFrGKzmqxUg7PixGPq=
qoiEe6u_mY7qb2co5ul0c0LfByCAPJbRCN-ot9QJA ) for more information about the =
Pledge.

Back to top ( #TOPv1 )

Introducing Aptia - the new Plan Administrator

( #IA-BACK )

On 1 January 2024, Aptia purchased Mercer=E2=80=99s UK pension administrati=
on services, including the administration services Mercer previously provid=
ed for the Plan.
Aptia is now in the process of rebranding all communications with pension P=
lan members / policyholders so that all the information that you are used t=
o receiving from Mercer is going to change to the new green and blue brandi=
ng of Aptia.

Please be assured that the rebranding will not change the service you recei=
ve or your pension benefits.
You will begin to see changes in branding from July 2024 including changes =
to regular and ad hoc communications and the online portals used currently =
to contact Mercer.

Back to top ( #TOPv1 )

How early retirement projections work and why they change over time

( #HE-BACK )

How are early retirement projections calculated?
Members benefits are defined at their normal retirement age. If they wish t=
o take their benefits at a diff=1Ferent age then the value of their benefit=
s is respread over the period from that retirement age.

When looking at what is a fair respreading of the promised benefits there a=
re many things which are unknown at the date of calculation for example:
The amount of money needed today to provide benefits in the future, which d=
epends on the investment returns that can be achieved The level of future i=
nflation (which is relevant because most of the Plan benefits are linked to=
 inflation); The life expectancy of members, which is relevant as benefits =
are paid for as long as members live.

Assumptions therefore need to be made about things which are currently unkn=
own, in order to consider what a fair respreading is. These assumptions are=
 updated on a regular basis.
If an early retirement quotation has reduced this does not mean that your b=
enefit entitlement at normal retirement age has reduced, it simple means th=
at the fair respreading of those benefits to pay them from a diff=1Ferent a=
ge has changed.
Assumptions
The assumptions used to calculate early retirement respreading (known as ea=
rly retirement factors) are reviewed by the Trustee from time to time. Thes=
e reviews are often after an actuarial valuation that has considered how lo=
ng members are expected to live, after changes to the Plans investment stra=
tegy or after large financial market movements.
Other changes over time
Even if the early retirement factors have stayed the same the quote can cha=
nge for other reasons. For example if you asked for a quote to retire in th=
e future and the amount of benefits you have earned was di=1Ffferent from t=
hat assumed when the quotation was calculated.
Recent history
In recent years there have been two issues that have materially impacted ea=
rly retirement factors:
We expect members to live slightly less long when considering long term lif=
e expectancy (we still expect life expectancy to improve over time but not =
by as much as we thought a few years ago). This means the respreading occur=
s over a shorter period of time, so the reduction for each year you retire =
early has increased. The investment returns over inflation that can be achi=
eved by the Plans have increased. This means that early years make up a gre=
ater proportion of the benefits, as money is paid out to you rather than in=
vested to pay out in the future. This has tended to increase the reduction =
for each year you retire early. As you get nearer your chosen early retirem=
ent date
You can obtain an illustrative early retirement quote from BenPal any time =
you once you are over age 50 or from the scheme administrator direct at any=
 time.

We strongly recommend you seek independent financial advice when considerin=
g your retirement options.

Back to top ( #TOPv1 )

Pension scams - stay alert!

( #PS-STAY-ALERT-BACK )

Some victims of pension scams are now being chased by HM Revenue & Customs =
for tax on the money that was stolen from them as part of a scam.
This double impact of pension scams is devastating. If you=E2=80=99re under=
 55 and make a withdrawal from your pension savings, you=E2=80=99ll usually=
 have to pay a 55% tax charge for cashing in your pension too early.
You should be very wary of any approach offering to help you release cash f=
rom your pension before you=E2=80=99re 55, as it=E2=80=99s almost certainly=
 a scam. You could lose all your money and face a very high tax bill. There=
 are only rare cases, such as serious illness, where members may be able to=
 access their pension funds before they reach the minimum pension age.
In order to protect you, the Trustee has the power to refuse transfers out =
of the Plan where there is suspicion of a scam. Halted transfers will be re=
ferred to MoneyHelper for guidance.
If you are planning a transfer of your Plan benefits, you should always spe=
ak to a financial adviser. You can find a full list of regulated advisers h=
ere ( https://jlrpensions.com/c/AQiymREQ-fFrGKzmqxUg7fixGKY_vFkVKMGuJBRr2b_=
YCPXxTktN9sD1_jNdHBX5Nf82 ).

If you think you have been a victim of a scam, or you have been targeted, r=
eport it immediately.
Action Fraud will give you advice on what to do next. You can reach them on=
 0300 123 2040.
Find out more about Action Fraud here ( https://jlrpensions.com/c/AQiymREQ-=
fFrGKzmqxUg7vixGFqPLz7IU8jwntyZWslZ-Vr0T0VnHfB1BFaf-nfkyWzE ).

Back to top ( #TOPv1 )

AUGUST 2024 | Jaguar Pension Plan Newsblast

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mSYjOJbQmb5mcnwWTb1LgkZBFHQ=

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e=3D"table-layout: auto;" role=3D"presentation">
<tbody>
<tr>
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
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e=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto"><=
tbody><tr><td align=3D"left" class=3D"element-pad element-bord" style=3D"fo=
nt-family: Arial, sans-serif;padding: 10px;border-width: 0;font-size: 1px;l=
ine-height: 1px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;pad=
ding-left: 0px"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/file=
s/1788531_banner_v03.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;l=
ine-height: 22px;width: 100%;display: block;max-width: 100%" class=3D"ee_ed=
itable" alt=3D"" width=3D"660"></td></tr></tbody></table></td>
</tr>
</tbody>
</table>
</div>
<!--[if mso]></td><td align=3D"left" valign=3D"top" style=3D"width:undefine=
dpx;" width=3D"undefined"><![endif]--><!--[if mso]></td><td align=3D"left" =
valign=3D"top" style=3D"width:undefinedpx;" width=3D"undefined"><![endif]--=
><!--[if mso]></td><td align=3D"left" valign=3D"top" style=3D"width:undefin=
edpx;" width=3D"undefined"><![endif]--><!--[if mso]></td><td align=3D"left"=
 valign=3D"top" style=3D"width:undefinedpx;" width=3D"undefined"><![endif]-=
->
<!--[if mso]></td></tr></table><![endif]--></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;table-layout: auto" role=3D"pr=
esentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 10px;padding-right: 20px;padding-bottom: 0px;paddin=
g-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fo=
nt-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: br=
eak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica,=
 sans-serif;line-height: 30px;text-align: left;color: rgb(0, 0, 0);font-siz=
e: 26px"> <b><a name=3D"TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word">Welcome to the latest Jaguar Pension Plan (the Plan) Newsblast</=
a></b></p><p style=3D"word-wrap: break-word;word-break: break-word;margin: =
10px;font-family: arial, helvetica, sans-serif;line-height: 20px;text-align=
: left;font-size: 13px;color: rgb(0, 0, 0)"><a name=3D"TOPv1" style=3D"word=
-wrap: break-word;word-break: break-word"><font style=3D"word-wrap: break-w=
ord;word-break: break-word;color: rgb(0, 0, 0)">In this edition we=E2=80=99=
ve included articles on early retirement, the
importance of completing death in service nomination forms,
pension scams, and an update about our pension administrator.</font></a></p=
></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: auto;=
background-color: rgb(255, 255, 255);table-layout: auto" bgcolor=3D"#ffffff=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-siz=
e: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right: 30px;p=
adding-bottom: 0px;padding-left: 30px"><!--[if mso]><table border=3D"0" cel=
lspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:600px;" wi=
dth=3D"600"><tr><td align=3D"left" valign=3D"top" style=3D"width:600px;" wi=
dth=3D"600"><![endif]--><div class=3D"stack-column stack-column-width" styl=
e=3D"display: inline-block;vertical-align: top;width: 100%;max-width: 100%;=
min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wi=
dth=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr=
><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fo=
nt-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"10=
0%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_element ee=
_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-a=
lign: left;min-width: 100%;background-color: rgb(103, 110, 121);table-layou=
t: auto" role=3D"presentation" bgcolor=3D"#676e79"><tbody><tr><td style=3D"=
font-family: Arial, sans-serif;font-size: 1px;line-height: 1px;padding-top:=
 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><img src=3D=
"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;display: =
block;width: 1px;height: 1px" alt=3D"" class=3D"" border=3D"0" height=3D"1"=
 width=3D"1"></td></tr></tbody></table></td></tr></tbody></table></div><!--=
[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><table wid=
th=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_el=
ement ee_spacer col-font-reset" ee-type=3D"element" role=3D"presentation" s=
tyle=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout: auto=
"><tbody><tr><td style=3D"font-family: Arial, sans-serif;font-size: 1px;lin=
e-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D=
"max-width: 100%;display: block;width: 1px;height: 10px" alt=3D"" class=3D"=
" border=3D"0" height=3D"10" width=3D"1"></td></tr></tbody></table><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"1=
00%" class=3D"row ee_columns one-cols ee_element" ee-type=3D"container" rol=
e=3D"presentation" style=3D"min-width: 100%;max-width: auto;background-colo=
r: rgb(232, 171, 89);table-layout: auto" bgcolor=3D"#e8ab59"><tbody><tr><td=
 align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 element-pad" d=
ir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0;border-widt=
h: 0;padding: 0 10px;padding-top: 0px;padding-right: 10px;padding-bottom: 0=
px;padding-left: 10px;border-right: 1px solid rgb(218, 217, 214);border-lef=
t: 1px solid rgb(218, 217, 214)"><!--[if mso]><table border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:637.778px;" widt=
h=3D"637.778"><tr><td align=3D"left" valign=3D"top" style=3D"width:637.778p=
x;" width=3D"637.778"><![endif]--><div class=3D"stack-column stack-column-w=
idth" style=3D"display: inline-block;vertical-align: top;width: 100%;max-wi=
dth: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" borde=
r=3D"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;">=
<tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" s=
tyle=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table c=
ellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_te=
xtelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text=
-align: left;min-width: 100%;background-color: rgb(232, 171, 89);table-layo=
ut: auto" role=3D"presentation" bgcolor=3D"#e8ab59">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 22=
px;text-align: left;color: rgb(0, 0, 0)"> <font style=3D"word-wrap: break-w=
ord;word-break: break-word"><font style=3D"word-wrap: break-word;word-break=
: break-word;font-size: 20px"><font style=3D"word-wrap: break-word;word-bre=
ak: break-word"><font style=3D"word-wrap: break-word;word-break: break-word=
"><font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">IMPORTANT - PLEASE READ</fon=
t></font></font></font></font></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row ee_columns one-=
cols ee_element" ee-type=3D"container" role=3D"presentation" style=3D"min-w=
idth: 100%;max-width: auto;background-color: rgb(218, 217, 214);table-layou=
t: auto" bgcolor=3D"#dad9d6"><tbody><tr><td align=3D"center" valign=3D"top"=
 class=3D"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family:=
 Arial, sans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top=
: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-rig=
ht: 1px solid rgb(218, 217, 214);border-left: 1px solid rgb(218, 217, 214)"=
><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=
=3D"center" style=3D"width:617.778px;" width=3D"617.778"><tr><td align=3D"l=
eft" valign=3D"top" style=3D"width:617.778px;" width=3D"617.778"><![endif]-=
-><div class=3D"stack-column stack-column-width" style=3D"display: inline-b=
lock;vertical-align: top;width: 100%;max-width: 100%;min-width: 100%"><tabl=
e cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"p=
resentation" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=
=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans=
-serif;border-width: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"=
0" class=3D"col-font-reset ee_element ee_textelement" width=3D"100%" ee-typ=
e=3D"element" style=3D"font-size: 14px;text-align: left;min-width: 100%;bac=
kground-color: rgb(218, 217, 214);table-layout: auto" role=3D"presentation"=
 bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 22=
px;text-align: left;color: rgb(0, 0, 0)"> <font style=3D"word-wrap: break-w=
ord;word-break: break-word;font-size: 20px"><a name=3D"DISLINK-BACK" style=3D=
"word-wrap: break-word;word-break: break-word">Death in Service nomination =
forms</a></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row ee_columns one-=
cols ee_element" ee-type=3D"container" role=3D"presentation" style=3D"min-w=
idth: 100%;max-width: auto;background-color: rgb(218, 217, 214);table-layou=
t: auto" bgcolor=3D"#dad9d6"><tbody><tr><td align=3D"center" valign=3D"top"=
 class=3D"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family:=
 Arial, sans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top=
: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-rig=
ht: 1px solid rgb(218, 217, 214);border-left: 1px solid rgb(218, 217, 214)"=
><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=
=3D"center" style=3D"width:617.778px;" width=3D"617.778"><tr><td align=3D"l=
eft" valign=3D"top" style=3D"width:617.778px;" width=3D"617.778"><![endif]-=
-><div class=3D"stack-column stack-column-width" style=3D"display: inline-b=
lock;vertical-align: top;width: 100%;max-width: 100%;min-width: 100%"><tabl=
e cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"p=
resentation" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=
=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans=
-serif;border-width: 0;padding: 0"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row ee_columns one=
-cols ee_element" ee-type=3D"container" role=3D"presentation" style=3D"min-=
width: 100%;max-width: 100%;background-color: rgb(218, 217, 214);table-layo=
ut: auto" bgcolor=3D"#dad9d6"><tbody><tr><td align=3D"center" valign=3D"top=
" class=3D"row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D"f=
ont-family: Arial, sans-serif;font-size: 0;border-width: 0;padding: 0 0;pad=
ding-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><=
!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D=
"center" style=3D"width:597.778px;" width=3D"597.778"><tr><td align=3D"left=
" valign=3D"top" style=3D"width:597.778px;" width=3D"597.778"><![endif]--><=
div class=3D"stack-column stack-column-width" style=3D"display: inline-bloc=
k;vertical-align: top;width: 100%;max-width: 100%;min-width: 100%"><table c=
ellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"pres=
entation" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D=
"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-se=
rif;border-width: 0;padding: 0"><table width=3D"100%" border=3D"0" cellspac=
ing=3D"0" cellpadding=3D"0" class=3D"ee_element ee_spacer col-font-reset" e=
e-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width: 100=
%;background-color: rgb(103, 110, 121);table-layout: auto" role=3D"presenta=
tion" bgcolor=3D"#676e79"><tbody><tr><td style=3D"font-family: Arial, sans-=
serif;font-size: 1px;line-height: 1px;padding-top: 0px;padding-right: 20px;=
padding-bottom: 0px;padding-left: 20px"><img src=3D"https://i.emlfiles4.com=
/cmpimg/t/s.gif" style=3D"max-width: 100%;display: block;width: 1px;height:=
 1px" alt=3D"" class=3D"" border=3D"0" height=3D"1" width=3D"1"></td></tr><=
/tbody></table></td></tr></tbody></table></div><!--[if mso]></td></tr></tab=
le><![endif]--></td></tr></tbody></table></td></tr></tbody></table></div><!=
--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"1=
00%" class=3D"row ee_columns one-cols ee_element" ee-type=3D"container" rol=
e=3D"presentation" style=3D"min-width: 100%;max-width: auto;background-colo=
r: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6"><tbody><tr><t=
d align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 element-pad" =
dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0;border-wid=
th: 0;padding: 0 10px;padding-top: 0px;padding-right: 20px;padding-bottom: =
0px;padding-left: 20px;border-right: 1px solid rgb(218, 217, 214);border-le=
ft: 1px solid rgb(218, 217, 214)"><!--[if mso]><table border=3D"0" cellspac=
ing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:617.778px;" wid=
th=3D"617.778"><tr><td align=3D"left" valign=3D"top" style=3D"width:617.778=
px;" width=3D"617.778"><![endif]--><div class=3D"stack-column stack-column-=
width" style=3D"display: inline-block;vertical-align: top;width: 100%;max-w=
idth: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" bord=
er=3D"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"=
><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" =
style=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table =
cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_t=
extelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;tex=
t-align: left;min-width: 100%;background-color: rgb(218, 217, 214);table-la=
yout: auto" role=3D"presentation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px;color: rgb(0, 0, 0)"><font style=3D"wor=
d-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">It is crucia=
l to review and update your nomination forms for both the
Plan and the separate Jaguar Land Rover Death Benefits Trust to
ensure that your wishes are accurately reflected and your loved ones
are financially secure in the event of your passing.</font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row ee_columns one-=
cols ee_nostack ee-show-on-desktop ee_element" ee-type=3D"container" role=3D=
"presentation" style=3D"display: none;min-width: 100%;max-width: auto;backg=
round-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6"><tb=
ody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 ele=
ment-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0;=
border-width: 0;padding: 0 10px;padding-top: 0px;padding-right: 0px;padding=
-bottom: 0px;padding-left: 0px;border-right: 1px solid rgb(218, 217, 214);b=
order-left: 1px solid rgb(218, 217, 214)"><!--[if mso]><table border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:657.778=
px;" width=3D"657.778"><tr><td align=3D"left" valign=3D"top" style=3D"width=
:657.778px;" width=3D"657.778"><![endif]--><div class=3D"no-stack-column no=
-stack-column-width" style=3D"display: inline-block;vertical-align: top;flo=
at: left;width: 100%;max-width: 100%;min-width: 100%"><table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" sty=
le=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee=
_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wi=
dth: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%=
" class=3D"ee_element ee_button" ee-type=3D"element" role=3D"presentation" =
style=3D"min-width: 100%;table-layout: auto"><tbody><tr><td class=3D"elemen=
t-pad button-container button-v2 button-center" style=3D"font-family: Arial=
, sans-serif;padding: 10px;text-align: center;padding-top: 10px;padding-rig=
ht: 10px;padding-bottom: 10px;padding-left: 10px"><!--[if mso]><v:roundrect=
 xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft=
-com:office:word" href=3D"#DIS" style=3D"height:26.6667pt;v-text-anchor:mid=
dle;width:446pt;" arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#000000"><w=
:anchorlock></w:anchorlock><p style=3D"text-align:center;padding:0;margin:0=
;"><font style=3D"color:#ffffff; font-style:normal;font-variant:normal;font=
-weight:700;font-family:Arial, sans-serif;font-size:10.5pt; padding:0; marg=
in:0; line-height:inherit;"><font>CLICK TO READ MORE</font></font></p></v:r=
oundrect><![endif]--><!--[if !mso]><!----><table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" class=3D"button-wrapper col-font-reset" ee-template-=
version=3D"8.4" role=3D"presentation" style=3D"font-size: 14px;min-width: a=
uto;text-align: center;display: inline-block;width: initial;float: none;mar=
gin: 0 auto;table-layout: auto"><tbody><tr><td class=3D"button-td" style=3D=
"font-family: Arial, sans-serif;text-align: center;border-radius: 3px;backg=
round: rgb(51, 51, 51);background-color: rgb(0, 0, 0)" bgcolor=3D"#000000">=
<p style=3D"font-size: 14px;margin-bottom: 0;color: rgb(255, 255, 255);line=
-height: 140%;text-align: center;margin: 0" class=3D"ee_editable button-a">=
<a href=3D"#DIS" style=3D"word-wrap: break-word;word-break: break-word;disp=
lay: block;height: 100%;color: rgb(255, 255, 255);font-family: Arial, sans-=
serif;font-size: 14px;font-style: normal;font-weight: bold;border: 0px soli=
d rgb(0, 0, 0);border-radius: 3px;padding: 8px 15px;text-decoration: none;l=
ine-height: inherit;padding-top: 8px;padding-right: 220px;padding-bottom: 8=
px;padding-left: 220px;text-align: center"><font style=3D"color: inherit;wo=
rd-break: break-word;word-wrap: break-word">CLICK TO READ MORE</font></a></=
p></td></tr></tbody></table><!--<![endif]--></td></tr></tbody></table></td>=
</tr></tbody></table></div><!--[if mso]></td></tr></table><![endif]--></td>=
</tr></tbody></table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" align=3D"center" width=3D"100%" class=3D"row ee_columns one-cols ee_nosta=
ck ee-hide-on-desktop ee_element" ee-type=3D"container" role=3D"presentatio=
n" style=3D"min-width: 100%;mso-hide: all;max-width: auto;background-color:=
 rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6"><tbody style=3D=
"mso-hide: all"><tr style=3D"mso-hide: all"><td align=3D"center" valign=3D"=
top" class=3D"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-fam=
ily: Arial, sans-serif;font-size: 0;border-width: 0;padding: 0 10px;mso-hid=
e: all;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left=
: 0px;border-right: 1px solid rgb(218, 217, 214);border-left: 1px solid rgb=
(218, 217, 214)"><div class=3D"no-stack-column no-stack-column-width" style=
=3D"display: inline-block;vertical-align: top;float: left;mso-hide: all;wid=
th: 100%;max-width: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadd=
ing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"mso-hi=
de: all;table-layout: auto"><tbody style=3D"mso-hide: all"><tr style=3D"mso=
-hide: all"><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" =
style=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0;mso-hide=
: all"><table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" class=3D"e=
e_element ee_button" ee-type=3D"element" role=3D"presentation" style=3D"min=
-width: 100%;mso-hide: all;table-layout: auto"><tbody style=3D"mso-hide: al=
l"><tr style=3D"mso-hide: all"><td class=3D"element-pad button-container bu=
tton-v2 button-center" style=3D"font-family: Arial, sans-serif;padding: 10p=
x;mso-hide: all;text-align: center;padding-top: 10px;padding-right: 10px;pa=
dding-bottom: 10px;padding-left: 10px"><table cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0" class=3D"button-wrapper col-font-reset" ee-template-ver=
sion=3D"8.4" role=3D"presentation" style=3D"font-size: 14px;min-width: auto=
;text-align: center;display: inline-block;mso-hide: all;width: initial;floa=
t: none;margin: 0 auto;table-layout: auto"><tbody style=3D"mso-hide: all"><=
tr style=3D"mso-hide: all"><td class=3D"button-td" style=3D"font-family: Ar=
ial, sans-serif;text-align: center;mso-hide: all;border-radius: 3px;backgro=
und: rgb(51, 51, 51);background-color: rgb(0, 0, 0)" bgcolor=3D"#000000"><p=
 style=3D"font-size: 14px;mso-hide: all;margin-bottom: 0;color: rgb(255, 25=
5, 255);line-height: 140%;text-align: center;margin: 0" class=3D"ee_editabl=
e button-a"><a href=3D"#DIS" style=3D"word-wrap: break-word;word-break: bre=
ak-word;mso-hide: all;display: block;height: 100%;color: rgb(255, 255, 255)=
;font-family: Arial, sans-serif;font-size: 14px;font-style: normal;font-wei=
ght: bold;border: 0px solid rgb(0, 0, 0);border-radius: 3px;padding: 8px 15=
px;text-decoration: none;line-height: inherit;padding-top: 8px;padding-righ=
t: 50px;padding-bottom: 8px;padding-left: 50px;text-align: center"><font st=
yle=3D"mso-hide: all;color: inherit;word-break: break-word;word-wrap: break=
-word">CLICK TO READ MORE</font></a></p></td></tr></tbody></table></td></tr=
></tbody></table></td></tr></tbody></table></div></td></tr></tbody></table>=
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" clas=
s=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" role=3D"prese=
ntation" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-la=
yout: auto"><tbody><tr><td style=3D"font-family: Arial, sans-serif;font-siz=
e: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif=
" style=3D"max-width: 100%;display: block;width: 1px;height: 20px" alt=3D""=
 class=3D"" border=3D"0" height=3D"20" width=3D"1"></td></tr></tbody></tabl=
e><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" =
width=3D"100%" class=3D"row two-cols ee_columns ee_element" ee-type=3D"cont=
ainer" role=3D"presentation" style=3D"max-width: 660px;min-width: 100%;tabl=
e-layout: auto"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row=
-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-=
serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding=
-right: 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table bord=
er=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"widt=
h:660px;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"widt=
h:330px;" width=3D"330"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=
=3D"stack-column stack-column-width" style=3D"display: inline-block;vertica=
l-align: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" sty=
le=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee=
_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wi=
dth: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-=
font-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"element" st=
yle=3D"font-size: 14px;text-align: left;min-width: 100%;background-color: r=
gb(218, 217, 214);table-layout: auto" role=3D"presentation" bgcolor=3D"#dad=
9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-right=
: 4px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 22px;text-align: left;color: rgb=
(0, 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word;fon=
t-size: 20px"><a name=3D"PSP-BACK" style=3D"word-wrap: break-word;word-brea=
k: break-word">Pension scam pledge</a></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 30px;padding-bottom: 0px;padding-left: 30px;border-right: 4px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:266.667px;" width=3D"266.667"><tr><=
td align=3D"left" valign=3D"top" style=3D"width:266.667px;" width=3D"266.66=
7"><![endif]--><div class=3D"no-stack-column no-stack-column-width" style=3D=
"display: inline-block;vertical-align: top;float: left;width: 100%;max-widt=
h: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbo=
dy><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=
=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=
=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_elem=
ent ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;=
text-align: left;min-width: 100%;background-color: rgb(103, 110, 121);table=
-layout: auto" role=3D"presentation" bgcolor=3D"#676e79"><tbody><tr><td sty=
le=3D"font-family: Arial, sans-serif;font-size: 1px;line-height: 1px;paddin=
g-top: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><img=
 src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;di=
splay: block;width: 1px;height: 1px" alt=3D"" class=3D"" border=3D"0" heigh=
t=3D"1" width=3D"1"></td></tr></tbody></table></td></tr></tbody></table></d=
iv><!--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><ta=
ble cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element =
ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px=
;text-align: left;min-width: 100%;background-color: rgb(218, 217, 214);tabl=
e-layout: auto" role=3D"presentation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-right=
: 4px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-size:=
 13px;color: rgb(0, 0, 0)"><font style=3D"word-wrap: break-word;word-break:=
 break-word;color: rgb(0, 0, 0)">The Trustees have signed up to
The Pension Regulator's (TPR)
Pledge to combat pension scams
and protect pension savers.</font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 30px;padding-bottom: 0px;padding-left: 30px;border-right: 4px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:266.667px;" width=3D"266.667"><tr><=
td align=3D"left" valign=3D"top" style=3D"width:266.667px;" width=3D"266.66=
7"><![endif]--><div class=3D"no-stack-column no-stack-column-width" style=3D=
"display: inline-block;vertical-align: top;float: left;width: 100%;max-widt=
h: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbo=
dy><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=
=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table cellp=
adding=3D"0" cellspacing=3D"0" width=3D"100%" class=3D"ee_element ee_button=
" ee-type=3D"element" role=3D"presentation" style=3D"min-width: 100%;table-=
layout: auto"><tbody><tr><td class=3D"element-pad button-container button-v=
2 button-left" style=3D"font-family: Arial, sans-serif;padding: 10px;text-a=
lign: left"><!--[if mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word" href=3D"#PSP" style=3D=
"height:26.6667pt;v-text-anchor:middle;width:176pt;" arcsize=3D"8%" stroked=
=3D"false" fillcolor=3D"#000000"><w:anchorlock></w:anchorlock><p style=3D"t=
ext-align:center;padding:0;margin:0;"><font style=3D"color:#ffffff; font-st=
yle:normal;font-variant:normal;font-weight:700;font-family:Arial, sans-seri=
f;font-size:10.5pt; padding:0; margin:0; line-height:inherit;"><font>CLICK =
TO READ MORE</font></font></p></v:roundrect><![endif]--><!--[if !mso]><!---=
-><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" class=3D"button-w=
rapper col-font-reset" ee-template-version=3D"8.4" role=3D"presentation" st=
yle=3D"font-size: 14px;min-width: auto;text-align: center;display: inline-b=
lock;width: initial;float: left;table-layout: auto"><tbody><tr><td class=3D=
"button-td" style=3D"font-family: Arial, sans-serif;text-align: center;bord=
er-radius: 3px;background: rgb(51, 51, 51);background-color: rgb(0, 0, 0)" =
bgcolor=3D"#000000"><p style=3D"font-size: 14px;margin-bottom: 0;color: rgb=
(255, 255, 255);line-height: 140%;text-align: center;margin: 0" class=3D"ee=
_editable button-a"><a href=3D"#PSP" style=3D"word-wrap: break-word;word-br=
eak: break-word;display: block;height: 100%;color: rgb(255, 255, 255);font-=
family: Arial, sans-serif;font-size: 14px;font-style: normal;font-weight: b=
old;text-align: center;border: 0px solid rgb(0, 0, 0);border-radius: 3px;pa=
dding: 8px 15px;text-decoration: none;line-height: inherit;padding-top: 8px=
;padding-right: 40px;padding-bottom: 8px;padding-left: 40px"><font style=3D=
"color: inherit;word-break: break-word;word-wrap: break-word">CLICK TO READ=
 MORE</font></a></p></td></tr></tbody></table><!--<![endif]--></td></tr></t=
body></table></td></tr></tbody></table></div><!--[if mso]></td></tr></table=
><![endif]--></td></tr></tbody></table><table width=3D"100%" border=3D"0" c=
ellspacing=3D"0" cellpadding=3D"0" class=3D"ee_element ee_spacer col-font-r=
eset" ee-type=3D"element" role=3D"presentation" style=3D"font-size: 14px;te=
xt-align: left;min-width: 100%;table-layout: auto"><tbody><tr><td style=3D"=
font-family: Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D=
"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;display: =
block;width: 1px;height: 10px" alt=3D"" class=3D"" border=3D"0" height=3D"1=
0" width=3D"1"></td></tr></tbody></table><table width=3D"100%" border=3D"0"=
 cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_element ee_spacer col-font=
-reset" ee-type=3D"element" role=3D"presentation" style=3D"font-size: 14px;=
text-align: left;min-width: 100%;table-layout: auto"><tbody><tr><td style=3D=
"font-family: Arial, sans-serif;font-size: 1px;line-height: 1px"><img src=3D=
"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;display: =
block;width: 1px;height: 10px" alt=3D"" class=3D"" border=3D"0" height=3D"1=
0" width=3D"1"></td></tr></tbody></table><table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row ee_colum=
ns one-cols ee_element" ee-type=3D"container" style=3D"min-width: 100%;max-=
width: 100%;background-color: rgb(255, 255, 255);table-layout: auto" role=3D=
"presentation" bgcolor=3D"#ffffff"><tbody><tr><td align=3D"center" valign=3D=
"top" class=3D"row-inner f-size-0 element-pad col-inner" dir=3D"ltr" style=3D=
"font-family: Arial, sans-serif;font-size: 0;border-width: 0;padding: 0 0;p=
adding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;bo=
rder-right: 1px solid rgb(255, 255, 255)"><!--[if mso]><table border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:328.889=
px;" width=3D"328.889"><tr><td align=3D"left" valign=3D"top" style=3D"width=
:328.889px;" width=3D"328.889"><![endif]--><div class=3D"no-stack-column no=
-stack-column-width" style=3D"display: inline-block;vertical-align: top;flo=
at: left;width: 100%;max-width: 100%;min-width: 100%"><table cellspacing=3D=
"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" sty=
le=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee=
_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wi=
dth: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-=
font-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"element" st=
yle=3D"font-size: 14px;text-align: left;min-width: 100%;background-color: r=
gb(218, 217, 214);table-layout: auto" role=3D"presentation" bgcolor=3D"#dad=
9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-right=
: 4px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 22px;text-align: left;color: rgb=
(0, 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word;fon=
t-size: 20px"><a name=3D"IA-BACK" style=3D"word-wrap: break-word;word-break=
: break-word">Introducing Aptia</a></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 30px;padding-bottom: 0px;padding-left: 30px;border-right: 4px solid rgb(25=
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t=3D"1" width=3D"1"></td></tr></tbody></table><table cellpadding=3D"0" cell=
spacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=3D"1=
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h: 100%;background-color: rgb(218, 217, 214);table-layout: auto" role=3D"pr=
esentation" bgcolor=3D"#dad9d6">
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0px;padding-right: 20px;padding-bottom: 0px;padding-left: 0px"><div class=3D=
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22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 0px;margin-right: 10px;margin-top: 10px;margin-bottom: 10px;fo=
nt-family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;=
font-size: 13px;color: rgb(0, 0, 0)"><font style=3D"word-wrap: break-word;w=
ord-break: break-word;color: rgb(0, 0, 0)">Discover more about our
transition to Aptia for Plan
administration.</font></p></div></td>
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nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
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"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
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" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:265.5=
56px;" width=3D"265.556"><tr><td align=3D"left" valign=3D"top" style=3D"wid=
th:265.556px;" width=3D"265.556"><![endif]--><div class=3D"no-stack-column =
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"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" sty=
le=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee=
_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wi=
dth: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%=
" class=3D"ee_element ee_button" ee-type=3D"element" role=3D"presentation" =
style=3D"min-width: 100%;table-layout: auto"><tbody><tr><td class=3D"elemen=
t-pad button-container button-v2 button-left" style=3D"font-family: Arial, =
sans-serif;padding: 10px;text-align: left"><!--[if mso]><v:roundrect xmlns:=
v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:of=
fice:word" href=3D"#IA" style=3D"height:26.6667pt;v-text-anchor:middle;widt=
h:176pt;" arcsize=3D"8%" stroked=3D"false" fillcolor=3D"#000000"><w:anchorl=
ock></w:anchorlock><p style=3D"text-align:center;padding:0;margin:0;"><font=
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700;font-family:Arial, sans-serif;font-size:10.5pt; padding:0; margin:0; li=
ne-height:inherit;"><font>CLICK TO READ MORE</font></font></p></v:roundrect=
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lign: center;display: inline-block;width: initial;float: left;table-layout:=
 auto"><tbody><tr><td class=3D"button-td" style=3D"font-family: Arial, sans=
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ckground-color: rgb(0, 0, 0)" bgcolor=3D"#000000"><p style=3D"font-size: 14=
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=3D"20" width=3D"1"></td></tr></tbody></table></td></tr></tbody></table></d=
iv><!-- STACK COLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D=
"top" style=3D"width:330px;" width=3D"330" class=3D"column"><![endif]--><!-=
- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-width" st=
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min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wi=
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t: 1px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1774291_side_v=
01_3.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22px=
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ditable" alt=3D"" width=3D"320">
</td>
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</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" cla=
ss=3D"row two-cols ee_columns ee_element" ee-type=3D"container" role=3D"pre=
sentation" style=3D"max-width: 660px;min-width: 100%;background-color: rgb(=
255, 255, 255);table-layout: auto" bgcolor=3D"#ffffff"><tbody><tr><td align=
=3D"center" valign=3D"top" class=3D"row-inner f-size-0 element-pad" dir=3D"=
ltr" style=3D"font-family: Arial, sans-serif;font-size: 0;border-width: 0;p=
adding: 0 10px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padd=
ing-left: 0px"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddi=
ng=3D"0" align=3D"center" style=3D"width:660px;" width=3D"660"><tr><td alig=
n=3D"left" valign=3D"top" style=3D"width:330px;" width=3D"330"><![endif]-->=
<!-- STACK COLUMN : BEGIN --><div class=3D"stack-column stack-column-width"=
 style=3D"display: inline-block;vertical-align: top;width: 50%;max-width: 5=
0%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0"=
 width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody>=
<tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D=
"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadd=
ing=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_texteleme=
nt" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align:=
 left;min-width: 100%;background-color: rgb(218, 217, 214);table-layout: au=
to" role=3D"presentation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-right=
: 4px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 22px;text-align: left;color: rgb=
(0, 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word;fon=
t-size: 20px"><a name=3D"HE-BACK" style=3D"word-wrap: break-word;word-break=
: break-word">How early retirement
projections work</a></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 30px;padding-bottom: 0px;padding-left: 30px;border-right: 4px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:266.667px;" width=3D"266.667"><tr><=
td align=3D"left" valign=3D"top" style=3D"width:266.667px;" width=3D"266.66=
7"><![endif]--><div class=3D"no-stack-column no-stack-column-width" style=3D=
"display: inline-block;vertical-align: top;float: left;width: 100%;max-widt=
h: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbo=
dy><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=
=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=
=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_elem=
ent ee_spacer col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;=
text-align: left;min-width: 100%;background-color: rgb(103, 110, 121);table=
-layout: auto" role=3D"presentation" bgcolor=3D"#676e79"><tbody><tr><td sty=
le=3D"font-family: Arial, sans-serif;font-size: 1px;line-height: 1px;paddin=
g-top: 0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><img=
 src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;di=
splay: block;width: 1px;height: 1px" alt=3D"" class=3D"" border=3D"0" heigh=
t=3D"1" width=3D"1"></td></tr></tbody></table></td></tr></tbody></table></d=
iv><!--[if mso]></td></tr></table><![endif]--></td></tr></tbody></table><ta=
ble cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element =
ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px=
;text-align: left;min-width: 100%;background-color: rgb(218, 217, 214);tabl=
e-layout: auto" role=3D"presentation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-right=
: 4px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-size:=
 13px;color: rgb(0, 0, 0)"><font style=3D"word-wrap: break-word;word-break:=
 break-word;color: rgb(0, 0, 0)">This article helps you understand
how early retirement projections
are calculated, how assumptions
and market conditions can affect the quotes you receive and why
they can change over time.</font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 20px;padding-bottom: 0px;padding-left: 30px;border-right: 4px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:276.667px;" width=3D"276.667"><tr><=
td align=3D"left" valign=3D"top" style=3D"width:276.667px;" width=3D"276.66=
7"><![endif]--><div class=3D"no-stack-column no-stack-column-width" style=3D=
"display: inline-block;vertical-align: top;float: left;width: 100%;max-widt=
h: 100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D=
"0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbo=
dy><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=
=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table cellp=
adding=3D"0" cellspacing=3D"0" width=3D"100%" class=3D"ee_element ee_button=
" ee-type=3D"element" role=3D"presentation" style=3D"min-width: 100%;table-=
layout: auto"><tbody><tr><td class=3D"element-pad button-container button-v=
2 button-left" style=3D"font-family: Arial, sans-serif;padding: 10px;text-a=
lign: left;padding-top: 10px;padding-right: 10px;padding-bottom: 10px;paddi=
ng-left: 10px;border-color: rgb(0, 0, 0);border-style: none;border-width: 0=
px"><!--[if mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xml=
ns:w=3D"urn:schemas-microsoft-com:office:word" href=3D"#HE" style=3D"height=
:26.6667pt;v-text-anchor:middle;width:176pt;" arcsize=3D"8%" stroked=3D"fal=
se" fillcolor=3D"#000000"><w:anchorlock></w:anchorlock><p style=3D"text-ali=
gn:center;padding:0;margin:0;"><font style=3D"color:#ffffff; font-style:nor=
mal;font-variant:normal;font-weight:700;font-family:Arial, sans-serif;font-=
size:10.5pt; padding:0; margin:0; line-height:inherit;"><font>CLICK TO READ=
 MORE</font></font></p></v:roundrect><![endif]--><!--[if !mso]><!----><tabl=
e cellspacing=3D"0" cellpadding=3D"0" border=3D"0" class=3D"button-wrapper =
col-font-reset" ee-template-version=3D"8.4" role=3D"presentation" style=3D"=
font-size: 14px;min-width: auto;text-align: center;display: inline-block;wi=
dth: initial;float: left;table-layout: auto"><tbody><tr><td class=3D"button=
-td" style=3D"font-family: Arial, sans-serif;text-align: center;border-radi=
us: 3px;background: rgb(51, 51, 51);background-color: rgb(0, 0, 0)" bgcolor=
=3D"#000000"><p style=3D"font-size: 14px;margin-bottom: 0;color: rgb(255, 2=
55, 255);line-height: 140%;text-align: center;margin: 0" class=3D"ee_editab=
le button-a"><a href=3D"#HE" style=3D"word-wrap: break-word;word-break: bre=
ak-word;display: block;height: 100%;color: rgb(255, 255, 255);font-family: =
Arial, sans-serif;font-size: 14px;font-style: normal;font-weight: bold;text=
-align: center;border: 0px solid rgb(0, 0, 0);border-radius: 3px;padding: 8=
px 15px;text-decoration: none;line-height: inherit;padding-top: 8px;padding=
-right: 40px;padding-bottom: 8px;padding-left: 40px"><font style=3D"color: =
inherit;word-break: break-word;word-wrap: break-word">CLICK TO READ MORE</f=
ont></a></p></td></tr></tbody></table><!--<![endif]--></td></tr></tbody></t=
able></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![endi=
f]--></td></tr></tbody></table></td></tr></tbody></table></div><!-- STACK C=
OLUMN : END --><!--[if mso]></td><td align=3D"left" valign=3D"top" style=3D=
"width:330px;" width=3D"330" class=3D"column"><![endif]--><!-- STACK COLUMN=
 : BEGIN --><div class=3D"stack-column stack-column-width" style=3D"display=
: inline-block;vertical-align: top;width: 50%;max-width: 50%;min-width: 100=
%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" r=
ole=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"lt=
r" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: Ari=
al, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=3D"100%=
" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width: =
100%;background-color: rgb(218, 217, 214);table-layout: auto" role=3D"prese=
ntation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-left:=
 10px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 22px;text-align: left;color: rgb=
(0, 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word;fon=
t-size: 20px"><a name=3D"PS-STAY-ALERT-BACK" style=3D"word-wrap: break-word=
;word-break: break-word"></a><a name=3D"PS-BACK" style=3D"word-wrap: break-=
word;word-break: break-word">Pension scams<br>
- stay alert!</a></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 30px;padding-bottom: 0px;padding-left: 30px;border-left: 10px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:260px;" width=3D"260"><tr><td align=
=3D"left" valign=3D"top" style=3D"width:260px;" width=3D"260"><![endif]--><=
div class=3D"no-stack-column no-stack-column-width" style=3D"display: inlin=
e-block;vertical-align: top;float: left;width: 100%;max-width: 100%;min-wid=
th: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"=
100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100%" bor=
der=3D"0" cellspacing=3D"0" cellpadding=3D"0" class=3D"ee_element ee_spacer=
 col-font-reset" ee-type=3D"element" style=3D"font-size: 14px;text-align: l=
eft;min-width: 100%;background-color: rgb(103, 110, 121);table-layout: auto=
" role=3D"presentation" bgcolor=3D"#676e79"><tbody><tr><td style=3D"font-fa=
mily: Arial, sans-serif;font-size: 1px;line-height: 1px;padding-top: 0px;pa=
dding-right: 20px;padding-bottom: 0px;padding-left: 20px"><img src=3D"https=
://i.emlfiles4.com/cmpimg/t/s.gif" style=3D"max-width: 100%;display: block;=
width: 1px;height: 1px" alt=3D"" class=3D"" border=3D"0" height=3D"1" width=
=3D"1"></td></tr></tbody></table></td></tr></tbody></table></div><!--[if ms=
o]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpaddi=
ng=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelemen=
t" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: =
left;min-width: 100%;background-color: rgb(218, 217, 214);table-layout: aut=
o" role=3D"presentation" bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;border-left:=
 10px solid rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: =
rgb(51, 51, 51);font-size: 14px;line-height: 22px;position: static"><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-size:=
 13px;color: rgb(0, 0, 0)"><font style=3D"word-wrap: break-word;word-break:=
 break-word;color: rgb(0, 0, 0)">It's crucial to be cautious if
someone offers to help you
access your pension before you
turn 55, as it's likely a scam. The
Trustee can refuse transfers if
they suspect it's a scam.</font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"min-width: 100%;max-width: 100%;=
background-color: rgb(218, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6=
"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-=
0 element-pad col-inner" dir=3D"ltr" style=3D"font-family: Arial, sans-seri=
f;font-size: 0;border-width: 0;padding: 0 0;padding-top: 0px;padding-right:=
 20px;padding-bottom: 0px;padding-left: 20px;border-left: 10px solid rgb(25=
5, 255, 255)"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpaddin=
g=3D"0" align=3D"center" style=3D"width:280px;" width=3D"280"><tr><td align=
=3D"left" valign=3D"top" style=3D"width:280px;" width=3D"280"><![endif]--><=
div class=3D"no-stack-column no-stack-column-width" style=3D"display: inlin=
e-block;vertical-align: top;float: left;width: 100%;max-width: 100%;min-wid=
th: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"=
100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td di=
r=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fami=
ly: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%" class=3D"ee_element ee_button" ee-type=3D"=
element" role=3D"presentation" style=3D"min-width: 100%;table-layout: auto"=
><tbody><tr><td class=3D"element-pad button-container button-v2 button-left=
" style=3D"font-family: Arial, sans-serif;padding: 10px;text-align: left"><=
!--[if mso]><v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D=
"urn:schemas-microsoft-com:office:word" href=3D"#PS" style=3D"height:26.666=
7pt;v-text-anchor:middle;width:176pt;" arcsize=3D"8%" stroked=3D"false" fil=
lcolor=3D"#000000"><w:anchorlock></w:anchorlock><p style=3D"text-align:cent=
er;padding:0;margin:0;"><font style=3D"color:#ffffff; font-style:normal;fon=
t-variant:normal;font-weight:700;font-family:Arial, sans-serif;font-size:10=
.5pt; padding:0; margin:0; line-height:inherit;"><font>CLICK TO READ MORE</=
font></font></p></v:roundrect><![endif]--><!--[if !mso]><!----><table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" class=3D"button-wrapper col-fon=
t-reset" ee-template-version=3D"8.4" role=3D"presentation" style=3D"font-si=
ze: 14px;min-width: auto;text-align: center;display: inline-block;width: in=
itial;float: left;table-layout: auto"><tbody><tr><td class=3D"button-td" st=
yle=3D"font-family: Arial, sans-serif;text-align: center;border-radius: 3px=
;background: rgb(51, 51, 51);background-color: rgb(0, 0, 0)" bgcolor=3D"#00=
0000"><p style=3D"font-size: 14px;margin-bottom: 0;color: rgb(255, 255, 255=
);line-height: 140%;text-align: center;margin: 0" class=3D"ee_editable butt=
on-a"><a href=3D"#PS" style=3D"word-wrap: break-word;word-break: break-word=
;display: block;height: 100%;color: rgb(255, 255, 255);font-family: Arial, =
sans-serif;font-size: 14px;font-style: normal;font-weight: bold;text-align:=
 center;border: 0px solid rgb(0, 0, 0);border-radius: 3px;padding: 8px 15px=
;text-decoration: none;line-height: inherit;padding-top: 8px;padding-right:=
 40px;padding-bottom: 8px;padding-left: 40px"><font style=3D"color: inherit=
;word-break: break-word;word-wrap: break-word">CLICK TO READ MORE</font></a=
></p></td></tr></tbody></table><!--<![endif]--></td></tr></tbody></table></=
td></tr></tbody></table></div><!--[if mso]></td></tr></table><![endif]--></=
td></tr></tbody></table></td></tr></tbody></table></div><!-- STACK COLUMN :=
 END --><!--[if mso]></td></tr></table><![endif]--></td></tr></tbody></tabl=
e><table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" cl=
ass=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" role=3D"pre=
sentation" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-=
layout: auto"><tbody><tr><td style=3D"font-family: Arial, sans-serif;font-s=
ize: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.g=
if" style=3D"max-width: 100%;display: block;width: 1px;height: 20px" alt=3D=
"" class=3D"" border=3D"0" height=3D"20" width=3D"1"></td></tr></tbody></ta=
ble><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center=
" width=3D"100%" class=3D"row ee_columns one-cols ee_element" ee-type=3D"co=
ntainer" role=3D"presentation" style=3D"min-width: 100%;max-width: auto;bac=
kground-color: rgb(0, 0, 0);table-layout: auto" bgcolor=3D"#000000"><tbody>=
<tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 element=
-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0;bord=
er-width: 0;padding: 0 10px;padding-top: 0px;padding-right: 10px;padding-bo=
ttom: 0px;padding-left: 10px;border-left: 2px solid rgb(0, 0, 0);border-rig=
ht: 2px solid rgb(0, 0, 0)"><!--[if mso]><table border=3D"0" cellspacing=3D=
"0" cellpadding=3D"0" align=3D"center" style=3D"width:637.778px;" width=3D"=
637.778"><tr><td align=3D"left" valign=3D"top" style=3D"width:637.778px;" w=
idth=3D"637.778"><![endif]--><div class=3D"stack-column stack-column-width"=
 style=3D"display: inline-block;vertical-align: top;width: 100%;max-width: =
100%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"=
0" width=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbod=
y><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D=
"font-family: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadd=
ing=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_texteleme=
nt" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align:=
 left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" ro=
le=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px">Contact us - Contact A=
ptia Pensions</font></p><p style=3D"word-wrap: break-word;word-break: break=
-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 2=
0px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)"><font style=
=3D"word-wrap: break-word;word-break: break-word">The online portal is a se=
cure and easily accessible, user-friendly digital
method for members, dependants and their advisers to use.</font></p><p styl=
e=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-family:=
 arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-size:=
 13px;color: rgb(255, 255, 255)"><font style=3D"word-wrap: break-word;word-=
break: break-word">You can access Aptia quickly and easily online by clicki=
ng <a href=3D"https://jlrpensions.com/c/AQiymREQ-fFrGKzmqxUgnLvyF6t6O2yvRbH=
bH2YavCO2oSh1WghMqtQEEazYGjOtmCqM" style=3D"word-wrap: break-word;word-brea=
k: break-word;text-decoration: underline;color: rgb(255, 255, 255)"><b>here=
</b></a>.
</font></p><p style=3D"word-wrap: break-word;word-break: break-word;margin:=
 10px;font-family: arial, helvetica, sans-serif;line-height: 20px;text-alig=
n: left;font-size: 13px"><font style=3D"word-wrap: break-word;word-break: b=
reak-word"><b style=3D""><font style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(255, 255, 255)">Please ensure you quote the Plan name =
and your NI Number in any
correspondence.</font>
</b></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" align=3D"center" width=3D"100%" class=3D"row two-cols ee_col=
umns ee_element" ee-type=3D"container" role=3D"presentation" style=3D"max-w=
idth: 660px;min-width: 100%;background-color: rgb(0, 0, 0);table-layout: au=
to" bgcolor=3D"#000000"><tbody><tr><td align=3D"center" valign=3D"top" clas=
s=3D"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Aria=
l, sans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px=
;padding-right: 10px;padding-bottom: 0px;padding-left: 10px;border-left: 2p=
x solid rgb(0, 0, 0);border-right: 2px solid rgb(0, 0, 0)"><!--[if mso]><ta=
ble border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=
=3D"width:637.778px;" width=3D"637.778"><tr><td align=3D"left" valign=3D"to=
p" style=3D"width:318.889px;" width=3D"318.889"><![endif]--><!-- STACK COLU=
MN : BEGIN --><div class=3D"stack-column stack-column-width" style=3D"displ=
ay: inline-block;vertical-align: top;width: 50%;max-width: 50%;min-width: 1=
00%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%"=
 role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"=
ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-family: A=
rial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0" cells=
pacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=3D"10=
0%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min-width=
: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)"><font style=3D=
"word-wrap: break-word;word-break: break-word">Alternatively, you can write=
 to:
</font></p><p style=3D"word-wrap: break-word;word-break: break-word;margin:=
 10px;font-family: arial, helvetica, sans-serif;line-height: 20px;text-alig=
n: left;font-size: 13px;color: rgb(255, 255, 255)"><font style=3D"word-wrap=
: break-word;word-break: break-word"><font style=3D"word-wrap: break-word;w=
ord-break: break-word">Jaguar Pension Plan,<br>
c/o Aptia Limited,<br>
Maclaren House, Talbot Road,<br>
Stretford, Manchester, M32 0FP</font></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:318.889px;" widt=
h=3D"318.889" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><di=
v class=3D"stack-column stack-column-width" style=3D"display: inline-block;=
vertical-align: top;width: 50%;max-width: 50%;min-width: 100%"><table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presenta=
tion" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col=
-inner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;=
border-width: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" clas=
s=3D"col-font-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"el=
ement" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layo=
ut: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)"><font style=3D=
"word-wrap: break-word;word-break: break-word">Telephone:
</font></p><p style=3D"word-wrap: break-word;word-break: break-word;margin:=
 10px;font-family: arial, helvetica, sans-serif;line-height: 20px;text-alig=
n: left;font-size: 13px;color: rgb(255, 255, 255)"><font style=3D"word-wrap=
: break-word;word-break: break-word"><font style=3D"word-wrap: break-word;w=
ord-break: break-word"><b style=3D"">0345 078 2052</b><br>
or <b style=3D"">0044 129 889 0252</b><br>
(if calling from outside the UK)</font></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" cla=
ss=3D"row ee_columns one-cols ee_element" ee-type=3D"container" role=3D"pre=
sentation" style=3D"min-width: 100%;max-width: auto;background-color: rgb(2=
18, 217, 214);table-layout: auto" bgcolor=3D"#dad9d6"><tbody><tr><td align=3D=
"center" valign=3D"top" class=3D"row-inner f-size-0 element-pad" dir=3D"ltr=
" style=3D"font-family: Arial, sans-serif;font-size: 0;border-width: 0;padd=
ing: 0 10px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding=
-left: 0px"><!--[if mso]><table border=3D"0" cellspacing=3D"0" cellpadding=3D=
"0" align=3D"center" style=3D"width:660px;" width=3D"660"><tr><td align=3D"=
left" valign=3D"top" style=3D"width:660px;" width=3D"660"><![endif]--><div =
class=3D"stack-column stack-column-width" style=3D"display: inline-block;ve=
rtical-align: top;width: 100%;max-width: 100%;min-width: 100%"><table cells=
pacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presenta=
tion" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col=
-inner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;=
border-width: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" e=
e-type=3D"element" role=3D"presentation" style=3D"font-size: 14px;text-alig=
n: left;min-width: 100%;background-color: rgb(255, 255, 255);table-layout: =
auto" bgcolor=3D"#ffffff">
<tbody>
<tr>
<td align=3D"left" class=3D"element-pad element-bord" style=3D"font-family:=
 Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-r=
ight: 0px;padding-bottom: 0px;padding-left: 0px;font-size: 1px;line-height:=
 1px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1773985_footer=
_v01_2.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22=
px;width: 100%;min-height: auto;display: block;max-width: 100%" class=3D"ee=
_editable" alt=3D"" width=3D"660">
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table cellpadding=3D"0" cellspacing=3D"0=
" class=3D"col-font-reset ee_element ee_textelement" width=3D"100%" ee-type=
=3D"element" style=3D"font-size: 14px;text-align: left;min-width: 100%;back=
ground-color: rgb(218, 217, 214);table-layout: auto" role=3D"presentation" =
bgcolor=3D"#dad9d6">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 10px;padding-right: 20px;padding-bottom: 0px;paddin=
g-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fo=
nt-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: br=
eak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica,=
 sans-serif;line-height: 41px;text-align: left;font-size: 26px;color: rgb(0=
, 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word"><fon=
t style=3D"word-wrap: break-word;word-break: break-word"><font style=3D"wor=
d-wrap: break-word;word-break: break-word">The long read...</font></font></=
font></p></div></td>
</tr>
</tbody>
</table><table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D=
"0" class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" role=3D=
"presentation" style=3D"font-size: 14px;text-align: left;min-width: 100%;ta=
ble-layout: auto"><tbody><tr><td style=3D"font-family: Arial, sans-serif;fo=
nt-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t=
/s.gif" style=3D"max-width: 100%;display: block;width: 1px;height: 15px" al=
t=3D"" class=3D"" border=3D"0" height=3D"15" width=3D"1"></td></tr></tbody>=
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_nostack ee_element=
" ee-type=3D"container" style=3D"max-width: 660px;min-width: 100%;backgroun=
d-color: rgb(0, 0, 0);table-layout: auto" role=3D"presentation" bgcolor=3D"=
#000000"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner =
f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;f=
ont-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right:=
 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table border=3D"0=
" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:660px=
;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"width:560px=
;" width=3D"560"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-=
stack-column no-stack-column-width" style=3D"display: inline-block;vertical=
-align: top;float: left;width: 84.848485%;max-width: 84.848485%;min-width: =
84.848485%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D=
"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td d=
ir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fam=
ily: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=
=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" role=3D"pre=
sentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px"><a name=3D"DISLINK" st=
yle=3D"word-wrap: break-word;word-break: break-word"></a><a name=3D"DISLINK=
" style=3D"word-wrap: break-word;word-break: break-word"></a><a name=3D"DIS=
" style=3D"word-wrap: break-word;word-break: break-word"></a><a name=3D"DIS=
" style=3D"word-wrap: break-word;word-break: break-word"></a><a name=3D"DIS=
" style=3D"word-wrap: break-word;word-break: break-word"></a><a name=3D"DIS=
" style=3D"word-wrap: break-word;word-break: break-word">Death in service n=
ominations forms</a></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:100px;" width=3D=
"100" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"no-stack-column no-stack-column-width" style=3D"display: inline-block;vert=
ical-align: top;float: left;width: 15.151515%;max-width: 15.151515%;min-wid=
th: 15.151515%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wid=
th=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr>=
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset=
 ee_element ee_imageelement" ee-type=3D"element" style=3D"font-size: 14px;t=
ext-align: left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" role=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td class=3D"element-pad element-bord" align=3D"right" style=3D"font-family=
: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 10px;padding=
-right: 10px;padding-bottom: 0px;padding-left: 10px;font-size: 1px;line-hei=
ght: 1px">
<a href=3D"#DISLINK-BACK"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/=
1/8/2/files/1767532_back_v01.png" style=3D"color: rgb(51, 51, 51);font-size=
: 14px;line-height: 22px;width: 45%;min-height: auto;display: block;max-wid=
th: 100%" class=3D"ee_editable" alt=3D"" border=3D"0" width=3D"36"></a>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=
=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">In Ap=
ril 2022, changes were implemented to Death-in-Service benefits, and
we want to provide you with a clear understanding of the benefits that may
be received in the event of death. The benefits are now set up as follows:<=
/font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"max-width: 660px;min-width: 100%=
;table-layout: auto"><tbody><tr><td align=3D"center" valign=3D"top" class=3D=
"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, s=
ans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;pad=
ding-right: 0px;padding-bottom: 0px;padding-left: 10px"><!--[if mso]><table=
 border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D=
"width:650px;" width=3D"650"><tr><td align=3D"left" valign=3D"top" style=3D=
"width:325px;" width=3D"325"><![endif]--><!-- STACK COLUMN : BEGIN --><div =
class=3D"stack-column stack-column-width" style=3D"display: inline-block;ve=
rtical-align: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspa=
cing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentati=
on" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-i=
nner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;bo=
rder-width: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D=
"col-font-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"elemen=
t" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-layout: =
auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><ul style=3D"margin-top: 0px; margin-bottom: 10px; l=
ist-style-type: numeric;">
<li style=3D"margin: 0;word-wrap: break-word;word-break: break-word;margin-=
top: 10px;margin-right: 10px;margin-left: -15px;margin-bottom: 10px;font-fa=
mily: arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-=
size: 13px;color: rgb(39, 75, 99)">
<font style=3D"word-wrap: break-word;word-break: break-word;color: #000">Ha=
lf of the Plan pension you have
accumulated up until your date
of death will be paid to your legal
spouse or civil partner for the
duration of their life. This pension
may also be payable to an adult
who the Trustee determines was
financially dependent on you at
the time of your passing.</font>
</li>
<li style=3D"margin: 0;word-wrap: break-word;word-break: break-word;margin-=
top: 10px;margin-right: 10px;margin-left: -15px;margin-bottom: 10px;font-fa=
mily: arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-=
size: 13px;color: rgb(39, 75, 99)">
<font style=3D"word-wrap: break-word;word-break: break-word;color: #000">Ad=
ditionally, all JLR UK
employees are covered for death
in service benefits through the
Jaguar Land Rover Death
Benefits Trust. <b>The nomination form is available on JLR=E2=80=99s own in=
tranet site =E2=80=93 The People Portal.</b></font>
</li>
</ul>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)"><b>It is important to note that this is
a separate arrangement from the
Plan and therefore requires a
separate nomination form,
distinct from any you may have
already completed for the Plan.</b></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:325px;" width=3D=
"325" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"stack-column stack-column-width" style=3D"display: inline-block;vertical-a=
lign: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wid=
th: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" ee-type=3D=
"element" role=3D"presentation" style=3D"font-size: 14px;text-align: left;m=
in-width: 100%;table-layout: auto">
<tbody>
<tr>
<td align=3D"left" class=3D"element-pad element-bord" style=3D"font-family:=
 Arial, sans-serif;padding: 10px;border-width: 0;font-size: 1px;line-height=
: 1px;padding-top: 10px;padding-right: 0px;padding-bottom: 10px;padding-lef=
t: 10px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1773750_side_2=
_v01_2.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22=
px;width: 100%;min-height: auto;display: block;max-width: 100%" class=3D"ee=
_editable" alt=3D"" width=3D"315">
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=
=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">It is=
 crucial to ensure that your nomination forms are up to date for both the
Plan and the Death-in-Service arrangement.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">Please take the time to review and update your nominat=
ion forms to ensure
that your wishes are accurately reflected in both the Plan and the
Death-in-Service arrangement. Your peace of mind and the financial security
of your loved ones are our top priority.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">For more information, please refer to page 5 of the Ap=
ril 2024 Jaguar
Pension Plan newsletter.</font></p></div></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;table-layout: auto" role=3D"pr=
esentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: right;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b><=
font style=3D"word-wrap: break-word;word-break: break-word;text-decoration:=
 underline"><a href=3D"#TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(58, 58, 58);text-decoration: underline">Back to top</a=
></font></b></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_nostack ee_element=
" ee-type=3D"container" style=3D"max-width: 660px;min-width: 100%;backgroun=
d-color: rgb(0, 0, 0);table-layout: auto" role=3D"presentation" bgcolor=3D"=
#000000"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner =
f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;f=
ont-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right:=
 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table border=3D"0=
" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:660px=
;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"width:560px=
;" width=3D"560"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-=
stack-column no-stack-column-width" style=3D"display: inline-block;vertical=
-align: top;float: left;width: 84.848485%;max-width: 84.848485%;min-width: =
84.848485%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D=
"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td d=
ir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fam=
ily: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=
=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" role=3D"pre=
sentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px"><a name=3D"PSP" style=3D=
"word-wrap: break-word;word-break: break-word">Pension scam pledge</a></fon=
t></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:100px;" width=3D=
"100" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"no-stack-column no-stack-column-width" style=3D"display: inline-block;vert=
ical-align: top;float: left;width: 15.151515%;max-width: 15.151515%;min-wid=
th: 15.151515%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wid=
th=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr>=
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset=
 ee_element ee_imageelement" ee-type=3D"element" style=3D"font-size: 14px;t=
ext-align: left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" role=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td class=3D"element-pad element-bord" align=3D"right" style=3D"font-family=
: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 10px;padding=
-right: 10px;padding-bottom: 0px;padding-left: 10px;font-size: 1px;line-hei=
ght: 1px">
<a href=3D"#PSP-BACK"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/=
2/files/1767532_back_v01.png" style=3D"color: rgb(51, 51, 51);font-size: 14=
px;line-height: 22px;width: 45%;min-height: auto;display: block;max-width: =
100%" class=3D"ee_editable" alt=3D"" border=3D"0" width=3D"36"></a>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=
=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">To he=
lp protect and reassure members of the Plan, the Trustees have signed
up to The Pension Regulator=E2=80=99s (TPR) pledge to combat pension scams.=
 The
Pledge emphasises the importance of protecting savers and fighting against
pension scammers and sets out several actions that trustees must take to
raise awareness and protect Plan members.</font></p>
</div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"max-width: 660px;min-width: 100%=
;table-layout: auto"><tbody><tr><td align=3D"center" valign=3D"top" class=3D=
"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, s=
ans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;pad=
ding-right: 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"=
width:660px;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"=
width:330px;" width=3D"330"><![endif]--><!-- STACK COLUMN : BEGIN --><div c=
lass=3D"stack-column stack-column-width" style=3D"display: inline-block;ver=
tical-align: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentatio=
n" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-in=
ner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;bor=
der-width: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" ee=
-type=3D"element" role=3D"presentation" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto">
<tbody>
<tr>
<td align=3D"left" class=3D"element-pad element-bord" style=3D"font-family:=
 Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 0px;padding-r=
ight: 10px;padding-bottom: 10px;padding-left: 0px;font-size: 1px;line-heigh=
t: 1px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1774294_side_3=
_v01_3.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22=
px;width: 100%;min-height: auto;display: block;max-width: 100%" class=3D"ee=
_editable" alt=3D"" width=3D"320">
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:330px;" width=3D=
"330" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"stack-column stack-column-width" style=3D"display: inline-block;vertical-a=
lign: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wid=
th: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-f=
ont-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"element" sty=
le=3D"font-size: 14px;text-align: left;min-width: 100%;background-color: rg=
b(103, 110, 121);table-layout: auto" role=3D"presentation" bgcolor=3D"#676e=
79">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)"> <font style=
=3D"word-wrap: break-word;word-break: break-word">Pledge Actions:</font></p=
><ul style=3D"margin-top: 0px; margin-bottom: 10px; list-style-type: numeri=
c;">
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">To regularly warn
members about pension
scams;</font>
</font></li>
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">To encourage members to
seek impartial guidance
from Pension Wise when
asking for cash
drawdown; and</font>
</font></li>
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">To promote awareness of
warning signs and best
practice for pension
transfers.</font></font>
</li>
</ul></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px;color: rgb(0,=
 0, 0)"> <font style=3D"word-wrap: break-word;word-break: break-word">The T=
rustees will use information and resources from the Financial Conduct
Authority (FCA) ScamSmart website and follow the Pension Scam Industry
Group (PSIG) code. The Trustees will also consider becoming a member of
the PSIG. What this means for you and your pension:</font></p><ul style=3D"=
margin-top: 0px; margin-bottom: 0px;"><li style=3D"word-wrap: break-word;wo=
rd-break: break-word;margin: 10px 10px 10px -15px;font-family: arial, helve=
tica, sans-serif;line-height: 20px;text-align: left;font-size: 13px;color: =
rgb(0, 0, 0)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">The Trustees recognise that =
scammers can be difficult to spot and may try
to exploit trust.</font>
</font></li><li style=3D"word-wrap: break-word;word-break: break-word;margi=
n: 10px 10px 10px -15px;font-family: arial, helvetica, sans-serif;line-heig=
ht: 20px;text-align: left;font-size: 13px">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">We are c=
ommitted to protecting our members and have signed up to the
TPR Pledge to combat pension scams.</font>
</font></li><font style=3D"word-wrap: break-word;word-break: break-word">
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">By worki=
ng together and following the principles of the pledge, we aim to
help protect all members of the Plan.</font>
</font></li><font style=3D"word-wrap: break-word;word-break: break-word">
</font></font></ul><ul style=3D"margin-top: 0px; margin-bottom: 10px; list-=
style-type: bullet;"><font style=3D"word-wrap: break-word;word-break: break=
-word"><font style=3D"word-wrap: break-word;word-break: break-word">
</font></font></ul>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px;color: rgb(0, 0, 0)"> Click <a href=3D"https://jlrpensions.com=
/c/AQiymREQ-fFrGKzmqxUgt9TzF2j9b4CSA9UQGkNyh_o3Zf6Msp1Ml2E1mA6BERIch2Je" st=
yle=3D"word-wrap: break-word;word-break: break-word;color: rgb(58, 58, 58);=
text-decoration: underline"><b>here</b></a> for more information about the =
Pledge.</p></div></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;table-layout: auto" role=3D"pr=
esentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: right;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b><=
font style=3D"word-wrap: break-word;word-break: break-word;text-decoration:=
 underline"><a href=3D"#TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(58, 58, 58);text-decoration: underline">Back to top</a=
></font></b></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_nostack ee_element=
" ee-type=3D"container" style=3D"max-width: 660px;min-width: 100%;backgroun=
d-color: rgb(0, 0, 0);table-layout: auto" role=3D"presentation" bgcolor=3D"=
#000000"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner =
f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;f=
ont-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right:=
 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table border=3D"0=
" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:660px=
;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"width:560px=
;" width=3D"560"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-=
stack-column no-stack-column-width" style=3D"display: inline-block;vertical=
-align: top;float: left;width: 84.848485%;max-width: 84.848485%;min-width: =
84.848485%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D=
"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td d=
ir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fam=
ily: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=
=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" role=3D"pre=
sentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px"><a name=3D"IA" style=3D=
"word-wrap: break-word;word-break: break-word">Introducing Aptia - the new =
Plan Administrator</a></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:100px;" width=3D=
"100" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"no-stack-column no-stack-column-width" style=3D"display: inline-block;vert=
ical-align: top;float: left;width: 15.151515%;max-width: 15.151515%;min-wid=
th: 15.151515%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wid=
th=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr>=
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset=
 ee_element ee_imageelement" ee-type=3D"element" style=3D"font-size: 14px;t=
ext-align: left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" role=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td class=3D"element-pad element-bord" align=3D"right" style=3D"font-family=
: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 10px;padding=
-right: 10px;padding-bottom: 0px;padding-left: 10px;font-size: 1px;line-hei=
ght: 1px">
<a href=3D"#IA-BACK"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2=
/files/1767532_back_v01.png" style=3D"color: rgb(51, 51, 51);font-size: 14p=
x;line-height: 22px;width: 45%;min-height: auto;display: block;max-width: 1=
00%" class=3D"ee_editable" alt=3D"" border=3D"0" width=3D"36"></a>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" cla=
ss=3D"row two-cols ee_columns ee_element" ee-type=3D"container" role=3D"pre=
sentation" style=3D"max-width: 660px;min-width: 100%;table-layout: auto"><t=
body><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 el=
ement-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0=
;border-width: 0;padding: 0 10px"><!--[if mso]><table border=3D"0" cellspac=
ing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:640px;" width=3D=
"640"><tr><td align=3D"left" valign=3D"top" style=3D"width:320px;" width=3D=
"320"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-column s=
tack-column-width" style=3D"display: inline-block;vertical-align: top;width=
: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"table-layout=
: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D=
"left" style=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0">=
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_eleme=
nt ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;table-layout: auto" role=3D"presentati=
on">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px"> <font style=3D"word-wrap: break-word;=
word-break: break-word;color: rgb(0, 0, 0)">On 1 January 2024, Aptia
purchased Mercer=E2=80=99s UK pension
administration services, including
the administration services Mercer
previously provided for the Plan.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">Aptia is now in the process of
rebranding all communications with
pension Plan members
/ policyholders so that all the
information that you are used to
receiving from Mercer is going to
change to the new green and blue
branding of Aptia.</font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:320px;" width=3D=
"320" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"stack-column stack-column-width" style=3D"display: inline-block;vertical-a=
lign: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wid=
th: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" ee-type=3D=
"element" role=3D"presentation" style=3D"font-size: 14px;text-align: left;m=
in-width: 100%;table-layout: auto">
<tbody>
<tr>
<td class=3D"element-pad element-bord" style=3D"font-family: Arial, sans-se=
rif;padding: 10px;border-width: 0;font-size: 1px;line-height: 1px">
<center class=3D"ved_ctr"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/=
1/8/2/files/1767386_aptia.png" style=3D"color: rgb(51, 51, 51);font-size: 1=
4px;line-height: 22px;width: 54%;min-height: auto;display: inline-block;max=
-width: 100%;margin: 0px;vertical-align: bottom" class=3D"ee_editable" alt=3D=
"" width=3D"162"></center>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 20px;paddin=
g-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fo=
nt-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: br=
eak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica,=
 sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">Plea=
se be assured that the rebranding will not change the service you receive
or your pension benefits.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">You will begin to see changes in branding from July 20=
24 including changes
to regular and ad hoc communications and the online portals used currently
to contact Mercer.</font></p></div></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;table-layout: auto" role=3D"pr=
esentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: right;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b><=
font style=3D"word-wrap: break-word;word-break: break-word;text-decoration:=
 underline"><a href=3D"#TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(58, 58, 58);text-decoration: underline">Back to top</a=
></font></b></font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_nostack ee_element=
" ee-type=3D"container" style=3D"max-width: 660px;min-width: 100%;backgroun=
d-color: rgb(0, 0, 0);table-layout: auto" role=3D"presentation" bgcolor=3D"=
#000000"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner =
f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;f=
ont-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right:=
 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table border=3D"0=
" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:660px=
;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"width:560px=
;" width=3D"560"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-=
stack-column no-stack-column-width" style=3D"display: inline-block;vertical=
-align: top;float: left;width: 84.848485%;max-width: 84.848485%;min-width: =
84.848485%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D=
"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td d=
ir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fam=
ily: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=
=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" role=3D"pre=
sentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px"><a name=3D"HE" style=3D=
"word-wrap: break-word;word-break: break-word">How early retirement project=
ions work
and why they change over time</a></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:100px;" width=3D=
"100" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"no-stack-column no-stack-column-width" style=3D"display: inline-block;vert=
ical-align: top;float: left;width: 15.151515%;max-width: 15.151515%;min-wid=
th: 15.151515%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wid=
th=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr>=
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset=
 ee_element ee_imageelement" ee-type=3D"element" style=3D"font-size: 14px;t=
ext-align: left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" role=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td class=3D"element-pad element-bord" align=3D"right" style=3D"font-family=
: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 10px;padding=
-right: 10px;padding-bottom: 0px;padding-left: 10px;font-size: 1px;line-hei=
ght: 1px">
<a href=3D"#HE-BACK"><img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2=
/files/1767532_back_v01.png" style=3D"color: rgb(51, 51, 51);font-size: 14p=
x;line-height: 22px;width: 45%;min-height: auto;display: block;max-width: 1=
00%" class=3D"ee_editable" alt=3D"" border=3D"0" width=3D"36"></a>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=
=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b>Ho=
w are early retirement projections calculated?</b></font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">Members benefits are defined at their normal retiremen=
t age. If they wish to
take their benefits at a diff=1Ferent age then the value of their benefits =
is
respread over the period from that retirement age.</font></p></div></td>
</tr>
</tbody>
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_element" ee-type=3D=
"container" role=3D"presentation" style=3D"max-width: 660px;min-width: 100%=
;table-layout: auto"><tbody><tr><td align=3D"center" valign=3D"top" class=3D=
"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, s=
ans-serif;font-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;pad=
ding-right: 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"=
width:660px;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"=
width:330px;" width=3D"330"><![endif]--><!-- STACK COLUMN : BEGIN --><div c=
lass=3D"stack-column stack-column-width" style=3D"display: inline-block;ver=
tical-align: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspac=
ing=3D"0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentatio=
n" style=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-in=
ner ee_dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;bor=
der-width: 0;padding: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D=
"col-font-reset ee_element ee_textelement" width=3D"100%" ee-type=3D"elemen=
t" style=3D"font-size: 14px;text-align: left;min-width: 100%;background-col=
or: rgb(103, 110, 121);table-layout: auto" role=3D"presentation" bgcolor=3D=
"#676e79">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)"> <font style=
=3D"word-wrap: break-word;word-break: break-word">When looking at what is a=
 fair
respreading of the promised
benefits there are many things
which are unknown at the date
of calculation for example:</font></p><ul style=3D"margin-top: 0px; margin-=
bottom: 0px;"><li style=3D"word-wrap: break-word;word-break: break-word;mar=
gin: 10px 10px 10px -15px;font-family: arial, helvetica, sans-serif;line-he=
ight: 20px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">The amount of money needed
today to provide benefits in
the future, which depends on
the investment returns that
can be achieved</font>
</font></li><li style=3D"word-wrap: break-word;word-break: break-word;margi=
n: 10px 10px 10px -15px;font-family: arial, helvetica, sans-serif;line-heig=
ht: 20px;text-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">The level of future inflatio=
n
(which is relevant because
most of the Plan benefits are
linked to inflation);</font>
</font></li>
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px;color: rgb(255, 255, 255)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">The life expectancy of
members, which is relevant as
benefits are paid for as long as
members live.</font></font>
</li>
</ul></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:330px;" width=3D=
"330" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"stack-column stack-column-width" style=3D"display: inline-block;vertical-a=
lign: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wid=
th: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" ee-type=3D=
"element" role=3D"presentation" style=3D"font-size: 14px;text-align: left;m=
in-width: 100%;table-layout: auto">
<tbody>
<tr>
<td align=3D"left" class=3D"element-pad element-bord" style=3D"font-family:=
 Arial, sans-serif;padding: 10px;border-width: 0;font-size: 1px;line-height=
: 1px;padding-top: 0px;padding-right: 0px;padding-bottom: 10px;padding-left=
: 10px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1773748_side_4=
_v01_2.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22=
px;width: 100%;min-height: auto;display: block;max-width: 100%" class=3D"ee=
_editable" alt=3D"" width=3D"320">
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table cellpad=
ding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelem=
ent" width=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align=
: left;min-width: 100%;table-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=
=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">Assum=
ptions therefore need to be made about things which are currently
unknown, in order to consider what a fair respreading is. These assumptions
are updated on a regular basis.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">If an early retirement quotation has reduced this does=
 not mean that your
benefit entitlement at normal retirement age has reduced, it simple means
that the fair respreading of those benefits to pay them from a diff=1Ferent=
 age
has changed.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)"><b>Assumptions</b></font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">The assumptions used to calculate early retirement res=
preading (known as
early retirement factors) are reviewed by the Trustee from time to time.
These reviews are often after an actuarial valuation that has considered ho=
w
long members are expected to live, after changes to the Plans investment
strategy or after large financial market movements.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)"><b>Other changes over time</b></font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">Even if the early retirement factors have stayed the s=
ame the quote can
change for other reasons. For example if you asked for a quote to retire in=
 the
future and the amount of benefits you have earned was di=1Ffferent from tha=
t
assumed when the quotation was calculated.</font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)"><b>Recent history</b></font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">In recent years there have been two issues that have m=
aterially impacted
early retirement factors:</font></p>
<ul style=3D"margin-top: 0px; margin-bottom: 0px;"><li style=3D"word-wrap: =
break-word;word-break: break-word;margin: 10px 10px 10px -15px;font-family:=
 arial, helvetica, sans-serif;line-height: 20px;text-align: left;font-size:=
 13px;color: rgb(0, 0, 0)">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word">We expect members to live sl=
ightly less long when considering long term
life expectancy (we still expect life expectancy to improve over time but
not by as much as we thought a few years ago). This means the
respreading occurs over a shorter period of time, so the reduction for each
year you retire early has increased.</font>
</font></li><font style=3D"word-wrap: break-word;word-break: break-word">
<li style=3D"word-wrap: break-word;word-break: break-word;margin: 10px 10px=
 10px -15px;font-family: arial, helvetica, sans-serif;line-height: 20px;tex=
t-align: left;font-size: 13px">
<font style=3D"word-wrap: break-word;word-break: break-word"><font style=3D=
"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">The inve=
stment returns over inflation that can be achieved by the Plans
have increased. This means that early years make up a greater proportion
of the benefits, as money is paid out to you rather than invested to pay ou=
t
in the future. This has tended to increase the reduction for each year you
retire early.</font>
</font></li><font style=3D"word-wrap: break-word;word-break: break-word">
</font></font></ul><ul style=3D"margin-top: 0px; margin-bottom: 10px; list-=
style-type: bullet;"><font style=3D"word-wrap: break-word;word-break: break=
-word"><font style=3D"word-wrap: break-word;word-break: break-word">
</font></font></ul>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)"><b>As you get nearer your chosen early retirement date=
</b></font></p>
<p style=3D"word-wrap: break-word;word-break: break-word;margin: 10px;font-=
family: arial, helvetica, sans-serif;line-height: 20px;text-align: left;fon=
t-size: 13px"> <font style=3D"word-wrap: break-word;word-break: break-word;=
color: rgb(0, 0, 0)">You can obtain an illustrative early retirement quote =
from BenPal any time
you once you are over age 50 or from the scheme administrator direct at any
time.</font></p></div></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;background-color: rgb(232, 171=
, 89);table-layout: auto" role=3D"presentation" bgcolor=3D"#e8ab59">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px;border-left: 1px solid rgb(255, 255, 255);border-right: 1px sol=
id rgb(255, 255, 255)"><div class=3D"ee_editable" style=3D"color: rgb(51, 5=
1, 51);font-size: 14px;line-height: 22px;position: static"><p style=3D"word=
-wrap: break-word;word-break: break-word;margin: 10px;font-family: arial, h=
elvetica, sans-serif;line-height: 24px;text-align: left;color: rgb(0, 0, 0)=
"> <font style=3D"word-wrap: break-word;word-break: break-word"><font style=
=3D"word-wrap: break-word;word-break: break-word;font-size: 20px"><font sty=
le=3D"word-wrap: break-word;word-break: break-word"><font style=3D"word-wra=
p: break-word;word-break: break-word"><font style=3D"word-wrap: break-word;=
word-break: break-word"><font style=3D"word-wrap: break-word;word-break: br=
eak-word">We strongly recommend you seek independent financial advice
when considering your retirement options.</font></font></font></font></font=
></font></p></div></td>
</tr>
</tbody>
</table><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset =
ee_element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font=
-size: 14px;text-align: left;min-width: 100%;table-layout: auto" role=3D"pr=
esentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: right;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b><=
font style=3D"word-wrap: break-word;word-break: break-word;text-decoration:=
 underline"><a href=3D"#TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(58, 58, 58);text-decoration: underline">Back to top</a=
></font></b></font></p></div></td>
</tr>
</tbody>
</table><table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D=
"0" class=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" role=3D=
"presentation" style=3D"font-size: 14px;text-align: left;min-width: 100%;ta=
ble-layout: auto"><tbody><tr><td style=3D"font-family: Arial, sans-serif;fo=
nt-size: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t=
/s.gif" style=3D"max-width: 100%;display: block;width: 1px;height: 15px" al=
t=3D"" class=3D"" border=3D"0" height=3D"15" width=3D"1"></td></tr></tbody>=
</table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"ce=
nter" width=3D"100%" class=3D"row two-cols ee_columns ee_nostack ee_element=
" ee-type=3D"container" style=3D"max-width: 660px;min-width: 100%;backgroun=
d-color: rgb(0, 0, 0);table-layout: auto" role=3D"presentation" bgcolor=3D"=
#000000"><tbody><tr><td align=3D"center" valign=3D"top" class=3D"row-inner =
f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;f=
ont-size: 0;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right:=
 0px;padding-bottom: 0px;padding-left: 0px"><!--[if mso]><table border=3D"0=
" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:660px=
;" width=3D"660"><tr><td align=3D"left" valign=3D"top" style=3D"width:560px=
;" width=3D"560"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"no-=
stack-column no-stack-column-width" style=3D"display: inline-block;vertical=
-align: top;float: left;width: 84.848485%;max-width: 84.848485%;min-width: =
84.848485%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" width=3D=
"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr><td d=
ir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"font-fam=
ily: Arial, sans-serif;border-width: 0;padding: 0"><table cellpadding=3D"0"=
 cellspacing=3D"0" class=3D"col-font-reset ee_element ee_textelement" width=
=3D"100%" ee-type=3D"element" style=3D"font-size: 14px;text-align: left;min=
-width: 100%;background-color: rgb(0, 0, 0);table-layout: auto" role=3D"pre=
sentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
10px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px"><div class=
=3D"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-heigh=
t: 22px;position: static"><p style=3D"word-wrap: break-word;word-break: bre=
ak-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height:=
 22px;text-align: left;color: rgb(255, 255, 255)"> <font style=3D"word-wrap=
: break-word;word-break: break-word;font-size: 20px"><a name=3D"PS" style=3D=
"word-wrap: break-word;word-break: break-word">Pension scams - stay alert!<=
/a></font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:100px;" width=3D=
"100" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"no-stack-column no-stack-column-width" style=3D"display: inline-block;vert=
ical-align: top;float: left;width: 15.151515%;max-width: 15.151515%;min-wid=
th: 15.151515%"><table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" wid=
th=3D"100%" role=3D"presentation" style=3D"table-layout: auto;"><tbody><tr>=
<td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D"left" style=3D"fon=
t-family: Arial, sans-serif;border-width: 0;padding: 0"><table width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset=
 ee_element ee_imageelement" ee-type=3D"element" style=3D"font-size: 14px;t=
ext-align: left;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" role=3D"presentation" bgcolor=3D"#000000">
<tbody>
<tr>
<td class=3D"element-pad element-bord" align=3D"right" style=3D"font-family=
: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: 10px;padding=
-right: 10px;padding-bottom: 0px;padding-left: 10px;font-size: 1px;line-hei=
ght: 1px">
<a href=3D"#PS-STAY-ALERT-BACK"><img src=3D"https://i.emlfiles4.com/cmpimg/=
8/7/7/1/8/2/files/1767532_back_v01.png" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;width: 45%;min-height: auto;display: block;m=
ax-width: 100%" class=3D"ee_editable" alt=3D"" border=3D"0" width=3D"36"></=
a>
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" cla=
ss=3D"row two-cols ee_columns ee_element" ee-type=3D"container" role=3D"pre=
sentation" style=3D"max-width: 660px;min-width: 100%;table-layout: auto"><t=
body><tr><td align=3D"center" valign=3D"top" class=3D"row-inner f-size-0 el=
ement-pad" dir=3D"ltr" style=3D"font-family: Arial, sans-serif;font-size: 0=
;border-width: 0;padding: 0 10px;padding-top: 0px;padding-right: 0px;paddin=
g-bottom: 0px;padding-left: 10px"><!--[if mso]><table border=3D"0" cellspac=
ing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:650px;" width=3D=
"650"><tr><td align=3D"left" valign=3D"top" style=3D"width:325px;" width=3D=
"325"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D"stack-column s=
tack-column-width" style=3D"display: inline-block;vertical-align: top;width=
: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"table-layout=
: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" align=3D=
"left" style=3D"font-family: Arial, sans-serif;border-width: 0;padding: 0">=
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_eleme=
nt ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font-size: 1=
4px;text-align: left;min-width: 100%;table-layout: auto" role=3D"presentati=
on">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 20px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 20=
px;text-align: left;font-size: 13px"> <font style=3D"word-wrap: break-word;=
word-break: break-word;color: rgb(0, 0, 0)">Some victims of pension scams a=
re now being chased by HM Revenue &amp;
Customs for tax on the money that was stolen from them as part of a scam.</=
font></p> <p style=3D"word-wrap: break-word;word-break: break-word;margin: =
10px;font-family: arial, helvetica, sans-serif;line-height: 20px;text-align=
: left;font-size: 13px"> <font style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(0, 0, 0)">This double impact of pension
scams is devastating. If you=E2=80=99re under
55 and make a withdrawal from
your pension savings, you=E2=80=99ll usually
have to pay a 55% tax charge for
cashing in your pension too early.</font></p> <p style=3D"word-wrap: break-=
word;word-break: break-word;margin: 10px;font-family: arial, helvetica, san=
s-serif;line-height: 20px;text-align: left;font-size: 13px"> <font style=3D=
"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)">You shou=
ld be very wary of any
approach offering to help you
release cash from your pension
before you=E2=80=99re 55, as it=E2=80=99s almost
certainly a scam. You could lose all
your money and face a very high tax
bill. There are only rare cases, such
as serious illness, where members
may be able to access their pension
funds before they reach the
minimum pension age.</font></p> <p style=3D"word-wrap: break-word;word-brea=
k: break-word;margin: 10px;font-family: arial, helvetica, sans-serif;line-h=
eight: 20px;text-align: left;font-size: 13px"> <font style=3D"word-wrap: br=
eak-word;word-break: break-word;color: rgb(0, 0, 0)">In order to protect yo=
u, the Trustee
has the power to refuse transfers
out of the Plan where there is
suspicion of a scam. Halted
transfers will be referred to
MoneyHelper for guidance.</font></p> <p style=3D"word-wrap: break-word;word=
-break: break-word;margin: 10px;font-family: arial, helvetica, sans-serif;l=
ine-height: 20px;text-align: left;font-size: 13px"> <font style=3D"word-wra=
p: break-word;word-break: break-word;color: rgb(0, 0, 0)">If you are planni=
ng a transfer of your Plan benefits, you should always speak
to a financial adviser. You can find a full list of regulated advisers <a h=
ref=3D"https://jlrpensions.com/c/AQiymREQ-fFrGKzmqxUg3-TzF4abyB4af3dnujKmFN=
pDowZZRZTxG62X5LrKyLyBt0bQ" style=3D"word-wrap: break-word;word-break: brea=
k-word;color: rgb(58, 58, 58);text-decoration: underline"><b>here</b></a>.<=
/font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td><td align=3D"left" valign=3D"top" style=3D"width:325px;" width=3D=
"325" class=3D"column"><![endif]--><!-- STACK COLUMN : BEGIN --><div class=3D=
"stack-column stack-column-width" style=3D"display: inline-block;vertical-a=
lign: top;width: 50%;max-width: 50%;min-width: 100%"><table cellspacing=3D"=
0" cellpadding=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" styl=
e=3D"table-layout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_=
dropzone" align=3D"left" style=3D"font-family: Arial, sans-serif;border-wid=
th: 0;padding: 0"><table width=3D"100%" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" class=3D"col-font-reset ee_element ee_imageelement" ee-type=3D=
"element" role=3D"presentation" style=3D"font-size: 14px;text-align: left;m=
in-width: 100%;table-layout: auto">
<tbody>
<tr>
<td align=3D"left" class=3D"element-pad element-bord" style=3D"font-family:=
 Arial, sans-serif;padding: 10px;border-width: 0;font-size: 1px;line-height=
: 1px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left:=
 10px">
<img src=3D"https://i.emlfiles4.com/cmpimg/8/7/7/1/8/2/files/1767380_side_2=
_v01.png" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: 22px=
;width: 100%;min-height: auto;display: block;max-width: 100%" class=3D"ee_e=
ditable" alt=3D"" width=3D"315">
</td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!-- STACK COLUMN : END --><!--[if =
mso]></td></tr></table><![endif]--></td></tr></tbody></table><table border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"center" width=3D"100%" cla=
ss=3D"row ee_columns one-cols ee_element" ee-type=3D"container" role=3D"pre=
sentation" style=3D"min-width: 100%;max-width: auto;background-color: rgb(2=
32, 171, 89);table-layout: auto" bgcolor=3D"#e8ab59"><tbody><tr><td align=3D=
"center" valign=3D"top" class=3D"row-inner f-size-0 element-pad" dir=3D"ltr=
" style=3D"font-family: Arial, sans-serif;font-size: 0;padding: 0 10px;padd=
ing-top: 0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px;bor=
der-color: rgb(0, 0, 0);border-style: none;border-width: 0px"><!--[if mso]>=
<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" align=3D"center" st=
yle=3D"width:640px;" width=3D"640"><tr><td align=3D"left" valign=3D"top" st=
yle=3D"width:640px;" width=3D"640"><![endif]--><div class=3D"stack-column s=
tack-column-width" style=3D"display: inline-block;vertical-align: top;width=
: 100%;max-width: 100%;min-width: 100%"><table cellspacing=3D"0" cellpaddin=
g=3D"0" border=3D"0" width=3D"100%" role=3D"presentation" style=3D"table-la=
yout: auto;"><tbody><tr><td dir=3D"ltr" class=3D"col-inner ee_dropzone" ali=
gn=3D"left" style=3D"font-family: Arial, sans-serif;border-width: 0;padding=
: 0"><table cellpadding=3D"0" cellspacing=3D"0" class=3D"col-font-reset ee_=
element ee_textelement" width=3D"100%" ee-type=3D"element" style=3D"font-si=
ze: 14px;text-align: left;min-width: 100%;background-color: rgb(232, 171, 8=
9);table-layout: auto" role=3D"presentation" bgcolor=3D"#e8ab59">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord" style=3D=
"font-family: Arial, sans-serif;padding: 10px;border-width: 0;padding-top: =
0px;padding-right: 10px;padding-bottom: 0px;padding-left: 10px"><div class=3D=
"ee_editable" style=3D"color: rgb(51, 51, 51);font-size: 14px;line-height: =
22px;position: static"><p style=3D"word-wrap: break-word;word-break: break-=
word;margin: 10px;font-family: arial, helvetica, sans-serif;line-height: 24=
px;text-align: left;color: rgb(0, 0, 0)"> <font style=3D"word-wrap: break-w=
ord;word-break: break-word;font-size: 20px">If you think you have been a vi=
ctim of a scam, or you have been
targeted, report it immediately.</font></p> <p style=3D"word-wrap: break-wo=
rd;word-break: break-word;margin: 10px;font-family: arial, helvetica, sans-=
serif;line-height: 24px;text-align: left;color: rgb(0, 0, 0)"> <font style=3D=
"word-wrap: break-word;word-break: break-word;font-size: 20px">Action Fraud=
 will give you advice on what to do next. You can
reach them on 0300 123 2040.</font></p> <p style=3D"word-wrap: break-word;w=
ord-break: break-word;margin: 10px;font-family: arial, helvetica, sans-seri=
f;line-height: 24px;text-align: left;color: rgb(0, 0, 0)"> <font style=3D"w=
ord-wrap: break-word;word-break: break-word;font-size: 20px">Find out more =
about Action Fraud <a href=3D"https://jlrpensions.com/c/AQiymREQ-fFrGKzmqxU=
gjeXzF8SJdLQnpg8KimafNoeRLe84bVllOAM9qHvgA9gVItdE" style=3D"word-wrap: brea=
k-word;word-break: break-word;color: rgb(0, 0, 0);text-decoration: underlin=
e"><b>here</b></a>.</font></p></div></td>
</tr>
</tbody>
</table></td></tr></tbody></table></div><!--[if mso]></td></tr></table><![e=
ndif]--></td></tr></tbody></table><table cellpadding=3D"0" cellspacing=3D"0=
" class=3D"col-font-reset ee_element ee_textelement" width=3D"100%" ee-type=
=3D"element" style=3D"font-size: 14px;text-align: left;min-width: 100%;tabl=
e-layout: auto" role=3D"presentation">
<tbody>
<tr>
<td valign=3D"top" align=3D"left" class=3D"element-pad element-bord root-el=
ement-pad" style=3D"font-family: Arial, sans-serif;border-width: 0;padding:=
 10px 20px;padding-top: 0px;padding-right: 20px;padding-bottom: 0px;padding=
-left: 20px"><div class=3D"ee_editable" style=3D"color: rgb(51, 51, 51);fon=
t-size: 14px;line-height: 22px;position: static"><p style=3D"word-wrap: bre=
ak-word;word-break: break-word;margin: 10px;font-family: arial, helvetica, =
sans-serif;line-height: 20px;text-align: right;font-size: 13px"> <font styl=
e=3D"word-wrap: break-word;word-break: break-word;color: rgb(0, 0, 0)"><b><=
font style=3D"word-wrap: break-word;word-break: break-word;text-decoration:=
 underline"><a href=3D"#TOPv1" style=3D"word-wrap: break-word;word-break: b=
reak-word;color: rgb(58, 58, 58);text-decoration: underline">Back to top</a=
></font></b></font></p></div></td>
</tr>
</tbody>
</table>
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" clas=
s=3D"ee_element ee_spacer col-font-reset" ee-type=3D"element" role=3D"prese=
ntation" style=3D"font-size: 14px;text-align: left;min-width: 100%;table-la=
yout: auto"><tbody><tr><td style=3D"font-family: Arial, sans-serif;font-siz=
e: 1px;line-height: 1px"><img src=3D"https://i.emlfiles4.com/cmpimg/t/s.gif=
" style=3D"max-width: 100%;display: block;width: 1px;height: 10px" alt=3D""=
 class=3D"" border=3D"0" height=3D"10" width=3D"1"></td></tr></tbody></tabl=
e>
</div>
<div class=3D"ee_dropzone"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" align=3D"center" width=3D"100%" class=3D"row two-cols ee_columns ee=
_nostack ee_element" ee-type=3D"container" role=3D"presentation" style=3D"m=
ax-width: 660px;min-width: 100%;background-color: rgb(0, 0, 0);table-layout=
: auto" bgcolor=3D"#000000"><tbody><tr><td align=3D"center" valign=3D"top" =
class=3D"row-inner f-size-0 element-pad" dir=3D"ltr" style=3D"font-family: =
Arial, sans-serif;font-size: 0;padding: 0 10px;padding-top: 0px;padding-rig=
ht: 10px;padding-bottom: 0px;padding-left: 10px;border-color: rgb(0, 0, 0);=
border-style: none;border-width: 0px"><!--[if mso]><table border=3D"0" cell=
spacing=3D"0" cellpadding=3D"0" align=3D"center" style=3D"width:640px;" wid=
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