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Complete your sign up and get ready to transfer.=0A=0A=0A=0A=0A=0A=0A=0A <>=
View in browser =0A<https://links.pensionbee.com/s/vb/lsyA8oNHIrTeg6N-cKHhN=
cYIklykgX7kK2uOt4dnGX3b87HthpBEZSGQ_Cbnu20YuRw-2DnhMhF4aPYk_NqV2dzpD5plYOnk=
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lMdGpiSHm4X54E2Qlux8N3xYB/8>=0A=0A=0A <https://www.pensionbee.com/uk/landin=
g-login> =0ALog in <https://www.pensionbee.com/uk/landing-login> =0A <https=
://www.pensionbee.com/uk/landing-login>=0A=0AHi Robert,=0A=0A=0A=0A=0ACombi=
ning your pensions into one easy-to-manage online plan with PensionBee is =
=0Asimple. You=E2=80=99re nearly there!=0A=0A=0A=0AHere=E2=80=99s a reminde=
r of the steps: =0A=0A=0A=0A1. Tell us a bit about yourself and your pensio=
n providers - if you know your =0Apolicy numbers, adding them can speed up =
the transfer process.=0A=0A=0A=0A=0A2. Confirm you=E2=80=99ve had your Pens=
ion Wise appointment - before we proceed, we =0Aneed to check whether you=
=E2=80=99ve had a free Pension Wise appointment, received =0Aguidance or re=
gulated advice, or decided to opt out.=0A=0A=0A=0APension Wise is a free, i=
mpartial service for savers aged 50 and over to help =0Ayou make informed p=
ension decisions.=0A=0A=0A=0A3. We=E2=80=99ll handle the transfer process -=
we=E2=80=99ll flag any exit fees over =C2=A310 or =0Aspecial benefits =0A<=
https://www.pensionbee.com/uk/pensions-explained/pension-basics/special-pen=
sion-benefits-glossary>=0A before moving your money.=0A=0A=0A=0AOnce your p=
ensions are combined, you can track your balance online or via the =0APensi=
onBee app. You=E2=80=99ll also be able to check your projected retirement i=
ncome =0Awith our =E2=80=98Retirement Planner=E2=80=99 and set up contribut=
ions in a few clicks or taps.=0A=0A=0A=0ANot sure who your old pension prov=
iders are=3F Read our blog to find out more =0A<https://www.pensionbee.com/=
uk/blog/2024/november/4-steps-to-finding-a-missing-pension>=0A.=0A=0A=0A=0A=
Once you complete your sign up, you=E2=80=99ll be able to contact your pers=
onal =0Aaccount manager, your BeeKeeper, for support by phone, email or liv=
e chat.=0A=0A=0A=0AFinish your sign up today <https://www.pensionbee.com/u=
k/landing-login>=0A=0A=0A=0AWith investments, your capital is at risk. Pens=
ions can go down in value as =0Awell as up, so you could get back less than=
you invest.=0A=0A=0A=0A=0AHave a question=3F=0A=0AGet in touch with our fr=
iendly UK team.=0A=0A=0A=0A=0A=0A=0A=0A=0A020 3457 8444 =0AMonday - Friday:=
9:30am-5pm =0A=0Acontact@pensionbee.com <mailto:contact@pensionbee.com=3Fs=
ubject=3D> =0ASend us an email and we'll get back to you as soon as possibl=
e =0A=0ALaunch live chat <https://www.pensionbee.com/uk> =0ASpeak to a memb=
er of our friendly team now =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A =0A<https://www.=
trustpilot.com/review/pensionbee.com=3Futm_medium=3DTrustbox&utm_source=3DE=
mailSignature2>=0A =0A<https://www.trustpilot.com/review/pensionbee.com=3Fu=
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ionbee.com/s/u/ywYsueQHbM963sVA0sYUJvUs1DyFmmXYQPVMvv15ORcKyK4he6CwRvAsBM0M=
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I52d01k97BFKZXwV_Q-w-hiRbJ9mwFKUDpWkA/34OyCd99gmA3KqTTHxXKusSnPrxlD0Gv/8>=
=0A. =0AThis email was sent by: PensionBee Limited=0A209 Blackfriars Road, =
London, SE1 8NL, United Kingdom=0A=0APensionBee is authorised and regulated=
by the Financial Conduct Authority =0A(FRN: 744931) and registered in Engl=
and and Wales (Companies Registration No. =0A9354862).
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links.pensionbee.com/s/vb/lsyA8oNHIrTeg6N-cKHhNcYIklykgX7kK2uOt4dnGX3b87Hth=
pBEZSGQ_Cbnu20YuRw-2DnhMhF4aPYk_NqV2dzpD5plYOnkw41Y-b_Qbysb37uAzdX7eWmnJNwG=
UiZoTfPrUQxuZRSMQ4csjAeuFNaj2E5DTp7mrlQ/c5GiKjBlMdGpiSHm4X54E2Qlux8N3xYB/8"=
>View in browser</a></td> </tr> <tr> <td height=3D"22" style=3D"height:22px=
; font-size:1px; line-height:1px;" class=3D"em_h20"><img src=3D"images/spac=
er.gif" width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" border=
=3D"0"/></td> </tr> </tbody> </table></td> <td width=3D"25" style=3D"width:=
25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" heigh=
t=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </table=
></td> </tr> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width:600px;" width=3D"60=
0"> <tr> <td align=3D"center" bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"=
background-color:#343a40; padding:17px 25px;" valign=3D"top"> <table align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"=
> <tr> <td align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"12=
6"> <a data-linkto=3D"https://" href=3D"https://links.pensionbee.com/s/c/AE=
cSQzq5QmsQ0zmsBRlJRNyU1bFa_LhwpbYgda4rSBEGvhCJ9tVbPkpz1INHIW5cM8QF__OxhYM-g=
G4ad-S0pvTfnJSLD5l769W8c2XRUc9WAXtnrZOABmgLq9CcRRz6v1pGa8ef9BFTwvIKMaIV0uNn=
xJ14khifUpiWX1857eRhU-GZ1Nlt4vDagfrJL2ht6_uju3eWGkx-6WE1IkE5LC6d8pH3Khip3br=
020YQJBod_rU9okcWCNBth6Ny43qlZ_6RmKyLTlpXhq-1vwgnNhOVZrz4K6HvEAg6F3ZeY9ZZZ4=
OM6ztEzgfd0cZxUEv1ny-QlqLciVyv4tfXA_aGKUpyfJsHrV2Gt2ESu-UK8W0tNd6EVoWsPzdAs=
qioI1nVw63vE3C4J1nWlqwSmhcbeM3IatUwbsT5lq8-9LKcGekr9YcK2iIZxWZ67Tf6pRe3yQ/9=
gLCXdy1nAyjYK3RIKjrAwzoc4ll2LNz/8" style=3D"text-decoration:none;" target=
=3D"_blank" title=3D""><img alt=3D"Pension Bee" src=3D"https://res.cloudina=
ry.com/pensionbee/image/upload/v1731506007/emails/email_templates.png" styl=
e=3D"display: block; max-width: 126px; font-family: Arial, sans-serif; font=
-size: 15px; line-height: 18px; color: #000000; padding: 0px; text-align: c=
enter; height: auto; width: 100%;" width=3D"126"></a> </td> <td class=3D"em=
_side15" style=3D"width:353px;" width=3D"353"> </td> <td align=3D"ce=
nter" valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0"=
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td align=3D"ce=
nter" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; background-co=
lor:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic PlusN', Arial, sa=
ns-serif; font-size:16px; color:#FFFFFF; font-weight:550;" valign=3D"middle=
"> <a data-linkto=3D"https://" href=3D"https://links.pensionbee.com/s/c/tX8=
B9tIFXtPGJN1TORFmE-zb77E3Tfk1fN6t5E3ESp9lGNx1iLA7aUQCn47p0FBv5WRmpQshCJEk-B=
0yv2B45vTggyQ4k4r39lBh0od-xtDB2MIfsQyWbE0iKKNcNuV1fJYKI3rTslJ3X7OzNVUBVkRyG=
zETmdDZKMb4QvAZl1LdQeq5DRJn3jOFPEiawN8PHbpoPaMvOOxBIKXdN9b9YxL_Dv5HRwjUWYvJ=
UPVV3ftlxz86D4PlDv8DiKOF8xW5XEe-6O48gYwF7SQsqD00IvQqQJWtdk8MkGOMoCH01jee8MY=
GTD2MjoHLz6vhHd-FPfbHZ6ByzeQG19-NVuvU0OZMFLzvUxyiwn6ZfPue7gr0pZnQ5-DRlwJrBA=
UYzjht_nOSJK_UgLHxVeUxIDhfHF4mtIa9KAhVt0XAmFkooT8MFZgcSh4sIwpw4CzMeMBQXg/Gc=
2DuauSPGyBkTNpYVkEgSp7Emgkqe2z/8" style=3D"color:#343a40;text-decoration:no=
ne; display:block; line-height:42px;" target=3D"_blank" title=3D"">Log in</=
a> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table></div></td=
></tr></table><table class=3D"image_block block-2" width=3D"100%" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-=
table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100=
%"><div class=3D"alignment" align=3D"center"><div style=3D"max-width:600px"=
><a href=3D"https://links.pensionbee.com/s/c/ExMV8cP9Yc8YgBZmEfdZXkCItC2_qA=
gZbdxvAm1CMBa6nMD8ewhJ03idOQVdk4zInDkkH7B17twRyJSG_PVtkVVBdlTe_Voy688y97jD-=
3mb2ufZVM1ZBO0crqMCvBcyVyNA7y_VEH36PXsZS7sajAN_ggXbTLGnBUdK9LyUZdtSNMySbELc=
E_YbpkUqH6Eiwm9fsJIE8HPvTfK_aQt0A0BtsWy6gt9wTs6eVhfgiCaifXhTqLr5be2KU3lkUIY=
CLvCfdvq6FqPu1JbcZmky0pe8ckZrRCtfJ2lzJyyZEmrlv3gQCT4BANTvB3Q4QUeFWKz1oqFE5l=
cahY3T0zCgvPqBeLa2ytgurIj9Uec4EDWge7TlN-Q60l3hy4SHy9Mtv-muNDGoMXc3_seaOAjaJ=
9eHMc7qWtldryXq3GJszpnA0R42LdzCjMMaEGjSbYBd5_E/4VkRm9gMNKTjZyUvV2xbMADAFdGz=
hQgO/8" target=3D"_blank" style=3D"outline:none" tabindex=3D"-1"><img src=
=3D"https://res.cloudinary.com/pensionbee/image/upload/v1745337903/emails/2=
025/Over%2050s%20Flow/You_re_almost_done_Pension_Wise.png" style=3D"display=
:block;height:auto;border:0;width:100%" width=3D"600" alt=3D"Image" title=
=3D"Image" height=3D"auto"></a></div></div></td></tr></table><table class=
=3D"text_block block-3" width=3D"100%" border=3D"0" cellpadding=3D"10" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-fam=
ily:sans-serif"><div class style=3D"font-size:12px;font-family:Arial,'Helve=
tica Neue',Helvetica,sans-serif;mso-line-height-alt:18px;color:#3a342c;line=
-height:1.5"><p style=3D"margin:0;font-size:16px;mso-line-height-alt:24px">=
<span style=3D"word-break: break-word; font-size: 16px;"><span style=3D"wor=
d-break: break-word;">Hi Robert,<br></span></span></p><p style=3D"margin:0;=
font-size:16px;mso-line-height-alt:18px"> </p><p style=3D"margin:0;fon=
t-size:16px;mso-line-height-alt:24px"><span style=3D"word-break: break-word=
; font-size: 16px;">Combining your pensions into one easy-to-manage online =
plan with PensionBee is simple. You=E2=80=99re nearly there! </span></=
p><p style=3D"margin:0;font-size:16px;mso-line-height-alt:18px"> </p><=
p style=3D"margin:0;font-size:16px;mso-line-height-alt:24px"><span style=3D=
"word-break: break-word; font-size: 16px;">Here=E2=80=99s a reminder of the=
steps: </span></p><p style=3D"margin:0;font-size:16px;mso-line-height=
-alt:18px"> </p><p style=3D"margin:0;mso-line-height-alt:24px"><span s=
tyle=3D"word-break: break-word; font-size: 16px;"><strong>1. Tell us a bit =
about yourself and your pension providers -</strong> if you know your polic=
y numbers, adding them can speed up the transfer process.<br></span></p><p =
style=3D"margin:0;mso-line-height-alt:18px"> </p><p style=3D"margin:0;=
mso-line-height-alt:24px"> <span style=3D"word-break: break-word; font-size=
: 16px;"><span style=3D"word-break: break-word;"><strong>2. Confirm you=E2=
=80=99ve had your Pension Wise appointment - </strong>before we proceed, we=
need to check whether you=E2=80=99ve had a free Pension Wise appointment, =
received guidance or regulated advice, or decided to opt out.</span></span>=
</p><p style=3D"margin:0;mso-line-height-alt:18px"> </p><p style=3D"ma=
rgin:0;mso-line-height-alt:24px"> <span style=3D"word-break: break-word; fo=
nt-size: 16px;">Pension Wise is a free, impartial service for savers aged 5=
0 and over to help you make informed pension decisions.</span></p><p style=
=3D"margin:0;mso-line-height-alt:18px"> </p><p style=3D"margin:0;mso-l=
ine-height-alt:24px"> <span style=3D"word-break: break-word; font-size: 16p=
x;"><strong>3. We=E2=80=99ll handle the transfer process -</strong> we=E2=
=80=99ll flag any exit fees over =C2=A310 or <a href=3D"https://links.pensi=
onbee.com/s/c/WP3nUytMg0cJX_DZRD8J4N1yXnsy6UL10-dMMO9miulqQgQwF7PtrJ0EFcJMB=
c2lJwb9A21I1n0cxPOLh-sLUBQE9pqFqkUlZQh1BIvg6XVMeuQ5pMkQGAFxPRXFlf8Gy_lhI5BS=
SVhPsW1BXe3qNGa_bi6ghGZi04jxRqcTN-Bl3ifGMKd4XeXHz0hpfbS1_aUsMESy-R26ixSm_-W=
Kwnkrkzun99JG1Mwi-IIduwIKDwcqU_kVotuC9W7BEh0lt5glKypvvJvJV3hCXX5WP089O5vgTr=
aXES020G1oFhzQKNz8n11JWViD4KL_Rgfu1OgRIKuRNI9Suepx6VYaDkHMLhUymsR-9RIFgKKu8=
CiiMqwOuOuFwxlnreloW-hGklb4LiDOzmeH8Dq2mhw2BLRUNKR5djyo6iy6u_usA0zsekfr7jwF=
FzRKEvdl040oDBd2KuVo-mJY3ZyOVtxdK5-e91wjiecpvWIwmUsHy2JP9kXzVfRC7iBhVkZX7Ww=
SpHF_SidfbPHDwTzxHhS0RREmqdSPvITS3PE4122TgXAMdOUbc6OnQbA_BJXNiJtSFRmxsS4GIH=
Wpx9-sycM/pA10MkVwVu3CkbcdfOtbV-hn6pXDCPy2/8" style=3D"text-decoration: und=
erline; color: #007db7;">special benefits</a> before moving your money.</sp=
an></p><p style=3D"margin:0;font-size:16px;mso-line-height-alt:18px"> =
</p><p style=3D"margin:0;font-size:16px;mso-line-height-alt:24px"> <span st=
yle=3D"word-break: break-word; font-size: 16px;">Once your pensions are com=
bined, you can track your balance online or via the PensionBee app. You=E2=
=80=99ll also be able to check your projected retirement income with our =
=E2=80=98Retirement Planner=E2=80=99 and set up contributions in a few clic=
ks or taps.</span></p><p style=3D"margin:0;font-size:16px;mso-line-height-a=
lt:18px"> </p><p style=3D"margin:0;font-size:16px;mso-line-height-alt:=
24px"> <span style=3D"word-break: break-word; font-size: 16px;">Not sure wh=
o your old pension providers are=3F <a href=3D"https://links.pensionbee.com=
/s/c/ByhgiSp4PCd5IxZRqtJNADXOhXrxUsHGz1-y1bJV534pOSvy8eA7hTB0TUMJsVgBSFdEN9=
rIwm3jIKRRRgw2BH6Zjj5dq7vCO4nmzsLS9BWR3o1vB6MkMjNQuThZk7fp0HpNrISyEMsIxRXzy=
FYEhE7nwVmWOs9uAkLUvisaes7wl8q_5JNCknJGd_zB57BfOXDfSld18LPt2lclW8Vir8-F57tG=
S6KAVgYGKqMIDIVEK_wIwVHL3O48nqm69i_6F68bv8Eb6o-ZDLIwi055IdEAN2a6fuwoHudqRA4=
kpcCvXGZhWrhysrwrhgwATYyeiZMnygI8mlrxLDV57TY424nQ1YTLhqper-IkhhZmrnZL_-EzSI=
4ga3hOw_rxRnXjI7kP8hcvI5lUOWUmXz-OzhFeXdCLYQ4LSjefMXajmUtlMx06L-qPAbBlofi07=
eoHeRm9TWXGJiWNgnFYex3sptwP0Yk2AvUGk6vM7GO-jkHQnO8NNZMkfQCIFAcHs7r3_t9f6UUc=
FsorP94yWCQYkR7MLJ63fbmNgPtb7Do0npYUhzMDL0c/uBsDI1m7p_2IB_mWvsCTdxHLcIkJCbp=
t/8" style=3D"text-decoration: underline; color: #007db7;">Read our blog to=
find out more</a>. </span></p><p style=3D"margin:0;font-size:16px;mso=
-line-height-alt:18px"> </p><p style=3D"margin:0;font-size:16px;mso-li=
ne-height-alt:24px"> <span style=3D"word-break: break-word; font-size: 16px=
;">Once you complete your sign up, you=E2=80=99ll be able to contact your p=
ersonal account manager, your BeeKeeper, for support by phone, email or liv=
e chat.</span></p></div></div></td></tr></table></td></tr></tbody></table><=
/td></tr></tbody></table><table class=3D"row row-2" align=3D"center" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table=
class=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0;border-radius:0;color:#000;width:600px;margin:0 auto" width=
=3D"600"><tbody><tr><td class=3D"column column-1" width=3D"100%" style=3D"m=
so-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;paddin=
g-bottom:5px;padding-top:5px;vertical-align:top"><table class=3D"button_blo=
ck block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0=
" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr=
><td class=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"htt=
ps://links.pensionbee.com/s/c/njdgv8ttalOgPZtK7u4DHwGRC1jjCziifKULCc9VRiIXn=
T7LZPXGGkeHGmJBeWGfW1pvwxxYnG0b8XIIAPlYRIh0-Cw_2Cam691iyBzCd4ZVi3PqDiW2C_3Q=
h45L-meVpVrOZ1RKD7VwchxZAP9KVbW4gtKSjhdh07_F2YtW11btvt1yA5QKVuxmL3g4nY5fzGk=
pDw8_WZqFGQIVc504hz4ZKCdj9VDTxzOGXrw59eTQb8Fr1XsBJSofmhypjEq357Uvhww6unViGA=
ABMGrd2I1g7OtV15ymgDaYx_ngdbL8lfOHBwGYPLz42LEwOz4IcXRNX8DGGjXcYwTp9nn-nGD90=
AInC0AOYyZWhDiRmkkLWYdsSZt-4FS8vl7jSAFfiv2NenDE-aQshDjPHv57Rbz84Emu31smgjxQ=
Zzi3BWVH9Xl97cd7mpPFOZLR12XKnV4/Uj_o3oa_lSaGr1IBZtUoP-WDnoOYV1QM/8" target=
=3D"_blank" style=3D"color:#3a342c;text-decoration:none;"><!--[if mso]><v:r=
oundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-m=
icrosoft-com:office:word" href=3D"https://links.pensionbee.com/s/c/LV1trcUE=
nB6zIzlwddRBabN8ZmCADbEFMFYPMnUqCgEqpYKoNH5mXev44QTytM0dGSSJEHJDJgGFqjmCYIE=
SuCUoyBKScCDHKrQf-oTCY_JzRiPbICQiVTUSg0bo9vUeLHQGwu3cris4jpw75x-yOhdLTPp6sw=
TtSzTPEBwVw85-WRNBCnbbn9TFmsHwbFuFbLJjJvaeVtrrcTmH2TPPsUVdM-wwgObL3qu7WyPAs=
tafw5k4I0KuJYSgQ4rtdd1ndGAEDM6LbwExvTvWG-CAx-3iNKwobOU7Qj3zKmK_4JY6X_Gng8l5=
AXJd3VniqAAfqXpPhOwL5g/qfm3j4OADoZ0Lwt7OqFN4DrgWbFmqd5n/8" style=3D"height:=
41px;width:234px;v-text-anchor:middle;" arcsize=3D"30%" fillcolor=3D"#f9c00=
0"> <v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#f9c000"/> <w:anc=
horlock/> <v:textbox inset=3D"0px,0px,0px,0px"> <center dir=3D"false" style=
=3D"color:#3a342c;font-family:sans-serif;font-size:16px"><![endif]--> <span=
class=3D"button" style=3D"background-color: #f9c000; border-bottom: 0px so=
lid transparent; border-left: 0px solid transparent; border-radius: 12px; b=
order-right: 0px solid transparent; border-top: 0px solid transparent; colo=
r: #3a342c; display: inline-block; font-family: Arial, 'Helvetica Neue', He=
lvetica, sans-serif; font-size: 16px; font-weight: 400; mso-border-alt: non=
e; padding-bottom: 5px; padding-top: 5px; padding-left: 20px; padding-right=
: 20px; text-align: center; width: auto; word-break: keep-all; letter-spaci=
ng: normal;"><span style=3D"word-break: break-word; line-height: 32px;"><st=
rong>Finish your sign up today</strong></span></span> <!--[if mso]></center=
></v:textbox></v:roundrect><![endif]--></a></div></td></tr></table></td></t=
r></tbody></table></td></tr></tbody></table><table class=3D"row row-3" alig=
n=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tb=
ody><tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-ta=
ble-lspace:0;mso-table-rspace:0;border-radius:0;color:#000;width:600px;marg=
in:0 auto" width=3D"600"><tbody><tr><td class=3D"column column-1" width=3D"=
100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-a=
lign:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><table cla=
ss=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" ce=
llspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table=
-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-f=
amily:sans-serif"><div class style=3D"font-size:14px;font-family:Arial,'Hel=
vetica Neue',Helvetica,sans-serif;mso-line-height-alt:21px;color:#343a40;li=
ne-height:1.5"><p style=3D"margin:0;font-size:14px;text-align:center;mso-li=
ne-height-alt:21px"><em>With investments, your capital is at risk. Pensions=
can go down in value as well as up, so you could get back less than you in=
vest.</em></p></div></div></td></tr></table></td></tr></tbody></table></td>=
</tr></tbody></table><table class=3D"row row-4" align=3D"center" width=3D"1=
00%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table clas=
s=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-=
rspace:0;color:#333;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td=
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0;font-weight:400;text-align:left;padding-bottom:30px;padding-t=
op:15px;vertical-align:top"><table class=3D"text_block block-1" width=3D"10=
0%" border=3D"0" cellpadding=3D"5" cellspacing=3D"0" role=3D"presentation" =
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-size:14px;font-family:Arial,'Helvetica Neue',Helvetica,sans-serif;mso-=
line-height-alt:21px;color:#343a40;line-height:1.5"><p style=3D"margin:0;fo=
nt-size:14px;text-align:center;mso-line-height-alt:21px"><span style=3D"wor=
d-break: break-word; color: #000000;"><strong>Have a question=3F</strong></=
span></p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-hei=
ght-alt:21px">Get in touch with our friendly UK team.</p></div></div></td><=
/tr></table></td></tr></tbody></table></td></tr> </tbody></table><table cla=
ss=3D"row row-5" align=3D"center" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;=
mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen=
tation" style=3D"mso-table-lspace:0;mso-table-rspace:0;border-radius:0;colo=
r:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td class=3D"col=
umn column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;vertica=
l-align:top"><table class=3D"html_block block-1" width=3D"100%" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-ta=
ble-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div style=3D"font-f=
amily:Arial,'Helvetica Neue',Helvetica,sans-serif;text-align:center" align=
=3D"center"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"em_wrapper" style=3D"width: 600px;" width=3D"600"> <tbod=
y> <tr> <td align=3D"center" class=3D"em_p3" style=3D"padding: 15px 70px;" =
valign=3D"top"> <table align=3D"center" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" width=3D"100%"> <tbody> <tr> <td valign=3D"top"> <table align=
=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrap=
per" style=3D"width: 290px;" width=3D"290"> <tbody> <tr> <td align=3D"cente=
r" valign=3D"top"> <table align=3D"left" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> =
<tbody> <tr> <td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"he=
ight: 31px;" valign=3D"middle"><img alt=3D"" border=3D"0" src=3D"https://re=
s.cloudinary.com/pensionbee/image/upload/v1731507652/emails/Call_us.png" st=
yle=3D"display: block; max-width: 30px; font-family: Arial, sans-serif; fon=
t-size: 15px; line-height: 18px; color: #000000; padding: 0px; text-align: =
center; height: auto; width: 100%;" width=3D"30"></td> </tr> <tr> <td align=
=3D"center" class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family=
: 'Open Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color=
: #000000; font-weight: 750;" valign=3D"top">020 3457 8444 </td> </tr>=
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family:=
'Open Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color:=
rgb(0, 0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: center;=
" valign=3D"top">Monday - Friday: 9:30am-5pm</td> </tr> </tbody> </table> <=
table align=3D"right" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" clas=
s=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td al=
ign=3D"center" class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;=
" valign=3D"middle"><img alt=3D"123" border=3D"0" src=3D"https://res.cloudi=
nary.com/pensionbee/image/upload/v1731507652/emails/Email_us.png" style=3D"=
display: block; max-width: 34px; font-family: Arial, sans-serif; font-size:=
15px; line-height: 18px; color: #000000; padding: 0px; height: auto; width=
: 100%; text-align: center;" width=3D"30"></td> </tr> <tr> <td class=3D"em_=
defaultlink" style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sa=
ns-serif; font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-wei=
ght: 750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, =
0, 0);"><a href=3D"mailto:contact@pensionbee.com=3Fsubject=3D" style=3D"tex=
t-decoration: none; color: rgb(0, 0, 0);" title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> <tr> <=
td class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color: rgb(0,=
0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: center;" valig=
n=3D"top">Send us an email and we'll get back to you as soon as possible</t=
d> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table align=3D"ri=
ght" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" cl=
ass=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" valign=3D"middl=
e"><img alt=3D"" border=3D"0" src=3D"https://res.cloudinary.com/pensionbee/=
image/upload/v1731507653/emails/Live_chat.png" style=3D"display: block; max=
-width: 34px; font-family: Arial, sans-serif; font-size: 15px; line-height:=
18px; color: #000000; padding: 0px; height: auto; width: 100%; text-align:=
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" class=3D"em_de=
faultlink" style=3D"padding-top: 7px; font-family: 'Open Sans', Arial, sans=
-serif; font-size: 12px; line-height: 22px; color: #000000; font-weight: 75=
0;" valign=3D"top"><a href=3D"https://links.pensionbee.com/s/c/yG5ECiIqgCHT=
0t-lxK_GFutkcjJDqHvR8-hvd8s0Pn8DoPD91EKN11_wfwbV0zkiiHbYG-bs5-ijob3Y6tsP-1b=
kiYkprCuzc4xHPjEG_Zs5ZrxoOT_3C9s4nA9OtPCFoSas6XT-LOdEKMPTe8_B6HlfUrbsDamO1N=
YBDZm_KRB2z9j7d2xPqTCwgopEuQpOJTE_HrINvwxbuCy40pQFfttwTsoq5_noTutu2kJBDAJY1=
GWQ2icNzrHRwdKpgJtUR_QEX3LRvU14v5m2QRlqo8clopqa4BA9DARkorOMc8VKx2xLBTWe6zNQ=
P80W4R0O2oAef3lU-COWwfWk8FByRZXLNSUs_NbehD-1KDRWNRwsJVuEOGs-DMWXTuqBnpsBeQn=
XfYHbrufmRd4dHjdOnDmQ/TkbuEDIbeHxE6_qW6pswoIDBYp9jM7OT/8" style=3D"text-dec=
oration: none;" title=3D"Launch live chat" data-linkto=3D"https://"><span s=
tyle=3D"color: rgb(0, 0, 0);">Launch live chat</span></a></td> </tr> <tr> <=
td class=3D"em_defaultlink" style=3D"padding-top: 12px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 11px; line-height: 16px; color: rgb(0,=
0, 0); font-weight: 400; letter-spacing: 0.3px; text-align: center;" valig=
n=3D"top">Speak to a member of our friendly team now</td> </tr> </tbody> </=
table> </td> </tr> <tr> <td valign=3D"top"><br> </td> </tr> </tbody> <=
/table> </td> </tr> </tbody> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: 60=
0px;" width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> <tab=
le align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" style=3D"heig=
ht: 12px; font-size: 0px; line-height: 0px;"> </td> </tr> <tr> <td ali=
gn=3D"center" class=3D"em_p30" style=3D"padding: 30px 20px;" valign=3D"top"=
> <table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td align=3D"center" valign=3D"top"> <table al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em=
_wrapper" style=3D"width: 442px;" width=3D"442"> <tbody> <tr> <td valign=3D=
"top"> <table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"em_wrapper" style=3D"width: 279px;" width=3D"279"> <tbody> =
<tr> <td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, A=
rial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; col=
or: #aaa; text-decoration: none;"><a href=3D"https://links.pensionbee.com/s=
/c/FcOqSiZCY5KhlAKkWjWyQYqxWqceRFRSekeO9ge4YqJJXNTjOJ_aSep_s_m75fD_B-wMCPga=
S67vkQxSLTHVH8s4_Xl3SV6a7RnlxqSrQJN6U-t96LsJo7reDcU-FfchxXGSo6EA0N01aCZBC3r=
nfJ_hkBSo0lpryTYuBGP7W9malKym_ixE3Bjb1sNAlysDjAbe1DK9k8Pw1zXEbBHAq5olYqQzEQ=
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AHMDsVPjwXOKVRJJF3au-AoKQqoQ5NvhJw2i1HwyFkM7XZ5qUN5CcuT-L0tspUo_8BfuayjZP41=
g3_eUFqemaIX5UQh4pbRn-1AqtAxOXqsmxy4GLbzlkzqw3_pBAQDVU4eUze3h9kYSq-po2qfGVa=
tRUh7haNxtugv90Ok7egCdy34IUF7NbW784mSRbbpj_zqFGAOvShbAXBB7tOdpf5OX/OSLnRI4g=
AI-9BiF1QR6DwWolcXX6-ctr/8" rel=3D"noopener noreferrer" style=3D"text-decor=
ation: none; text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpil=
ot rating" border=3D"0" height=3D"16" src=3D"https://emailsignature.trustpi=
lot.com/signature/en-US/2/55f7e14b0000ff0005835423/text.png" style=3D"max-h=
eight: 16px; margin: 0; padding: 0; width: auto; border: none;"> <br><img a=
lt=3D"Trustpilot Stars" border=3D"0" height=3D"40" src=3D"https://emailsign=
ature.trustpilot.com/signature/en-US/2/55f7e14b0000ff0005835423/stars.png" =
style=3D"max-width: 160px; width: 100%; max-height: 40px; border: none;" wi=
dth=3D"160"> </a> <br><a href=3D"https://links.pensionbee.com/s/c/9TOMdT_XX=
LV5Ckls33bQPgLHdIgGQvxAQ-TKn-5Mf8e2kdYHtypKvDZwi_kBEI5A_EhSOsODMcJWeelTKDMW=
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LP7WRT087Ojw0B-ygvkxA126PO3aUqBEI9tISK7N9voPIjo8_F1XIftY-4GibT2POZWbkYEJ_yq=
J1RAjS4R9JhZIAEDshHZeyh9yosKdGiqx2jNMq40jQqbOca2EPDXHf/J6kUmZnovpFlocVbp-8U=
zaxtCxpca0Nv/8" rel=3D"noopener noreferrer" style=3D"text-decoration: none;=
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot Logo" bor=
der=3D"0" height=3D"20" src=3D"https://emailsignature.trustpilot.com/brand/=
s/2/logo.png" style=3D"max-width: 79px; width: 100%; max-height: 20px; bord=
er: none;" width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;=
" align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> <tr></tr> </tbod=
y> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <ta=
ble align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"> <tbo=
dy> <br> <tr> <td align=3D"center" valign=3D"top"><a href=3D"https://links.=
pensionbee.com/s/c/T7GWYyEl0w1gPzuWU2LRDaC79XmlmifqwdZ7AtPu3YLD2-bppp7m4SlS=
VyqB9sajDVpxIezSwbIlKBPp1rSvRubYuJ3WwTVu4b970fPchGbqlsclxZ0aMuWkMfYmBKG6NKQ=
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SnzjufMHI9znFxe0bkn5tAW8Ox8YbugSiTeQ2pOfVbkrmVi1u9blVwH5NSYlkooZ62RpXa_NPI0=
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ImG69y_ZFd4tt7Sr9DHLRWLUBDJ4Z7/8" rel=3D"noopener" style=3D"text-decoration=
: none;" target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"=
fb" src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/e=
mails/Social_icons_Facebook_yellow.png" style=3D"display: block; max-width:=
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: 100%=
;" width=3D"32"></a></td> <td class=3D"em_w1" style=3D"width: 15px;" width=
=3D"30"></td> <td align=3D"center" valign=3D"top"><a href=3D"https://links.=
pensionbee.com/s/c/uFOpde4XHHA8hMbvtznC_f4fKUWI4xF1dOYgEpElmG3lorBd9UYU6z4K=
8GKZ7t-Py5FQ3nfN0BsjYviU_yA_-80RhOYzd8ulttWNv260BQksLEa9jlQCwY0lfNp15WMqsYn=
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j4gTSVGYiRD0FGwc6Dzr7YnIsgynbC78ZFPDpMPhnq90oefuEJ9iD033zoinGR_US259c5bt/Xe=
QpVYJ9Mrq1RGjX2g0IKaMvR7kZ_FcL/8" rel=3D"noopener" style=3D"text-decoration=
: none;" target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"=
fb" src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/e=
mails/Social_icons_at_yellow.png" style=3D"display: block; max-width: 32px;=
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; color:=
#000000; padding: 0px; text-align: center; height: auto; width: 100%;" wid=
th=3D"35"></a></td> <td class=3D"em_w1" style=3D"width: 15px;" width=3D"30"=
></td> <td align=3D"center" valign=3D"top"><a href=3D"https://links.pension=
bee.com/s/c/shSHbtdthPQD0c1Xb_xrZHFg21NSrF0uuqqbMBOzkvQACekZ_ujEyNGRh7DjWSO=
P3gGyv7KtAhcqewHNlYXGl4lr83k71MePi4MIWIc8D-zsi2OhcXkdCUCFOBFApULpqYkHAM756V=
13LeR_Ri6fpROBJTfimlDsQbjN8UZmIo0sGv8cJCw0uEw9LqCSaVF8S5xo8GihX1XAJBd5yxhCZ=
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s_KwFj7w2q8a_OvY9PvqsKAXDzVTZf-GtAOLnsm3gOZoklfL7KhSc_oGTYggyWn4ueYM32R3VRj=
5WRbUm1nTZdp9Yyj0Pw4489Rn9ub5y5Dp6UBvJ2OGdUzBSeS6jDt41Whrxn5Kng/x-iLWXrRkFz=
2225B5bn11dxI3dDCZyej/8" rel=3D"noopener" style=3D"text-decoration: none;" =
target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"fb" src=
=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/emails/S=
ocial_icons_TikTok_yellow.png" style=3D"display: block; max-width: 32px; fo=
nt-family: Arial, sans-serif; font-size: 15px; line-height: 18px; color: #0=
00000; padding: 0px; text-align: center; height: auto; width: 100%;" width=
=3D"53"></a></td> <td class=3D"em_w1" style=3D"width: 15px;" width=3D"30">&=
nbsp;</td> <td align=3D"center" valign=3D"top"><a href=3D"https://links.pen=
sionbee.com/s/c/rUfcElpMApx4DttpwVg7g0gfDm_AOzxUOl8WXdGzhZqpZLl-lRx9RmS-rfv=
M30zLJpykUM2-laurqKluxsouXZqRbTZGNIEtb5wdFD_wrJei3T2n0MIHGlwStZunVgsSgahekV=
NTt9-MNQE8PZEwYyhST4g8igN0CMcQ7nvyrYhh-8_EGZOh4x9HSw76eephxED3C8rI_l0xjz4GI=
xa8La2zWJa-IvQy9yKNfr111c3lXtA6ose107baMGiYfB5g89MIsxr1iUp1lIscuXAkGL0_gzNW=
Eh0qFfP2INtPPQm93C1XNyzwCw5u14G1y_BXAVR_CyjvM_-G0i-dJQfEJPuX43LmY8HsAmmMfvy=
1V2Vlr24WmzTg2o-z2dJPJMWkRWiQBCroYrHVBhdHm_xppV8Ep5pN/Pk1KPfScpaSK3yBUb3erx=
lNGp-9eNOYM/8" rel=3D"noopener" style=3D"text-decoration: none;" target=3D"=
_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"tw" src=3D"https://=
res.cloudinary.com/pensionbee/image/upload/v1731515807/emails/Social_icons_=
X_yellow.png" style=3D"display: block; max-width: 32px; font-family: Arial,=
sans-serif; font-size: 15px; line-height: 18px; color: #000000; padding: 0=
px; height: auto; width: 100%; text-align: center;" width=3D"35"></a></td> =
<td class=3D"em_w1" style=3D"width: 15px;" width=3D"30"> </td> <td ali=
gn=3D"center" valign=3D"top"><a href=3D"https://links.pensionbee.com/s/c/Wp=
18mmrxkeTCMWT8J6ElGmeJ4GqQyPJ3NrvgNUl0uxZRgLeBnDRuhCzScSoRDRRwgC9JvNu7sfle0=
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orTr9dIAsG_tSx6jXjUiRPPpFNUAf6w98Q8zH5ykUq80B910ligN_eJF9rSUnUiy6NBwtK0eeWv=
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ydDb3eDmNODKwb9yG-4YASZKM_3II7w0i4NNiZuF9CN-hP4zQfvpigcRpABJzZjMtqOWQeueBTH=
Wq4lZ9p5CgfLjjakQjNeLY-ZrN3K-mI6D6DGG6fM1MQ-1KvRSbe0CX6PhLl8SD5Rw/-cO5rqQdV=
Rs-MefavwxFqONwj8TShIl_/8" rel=3D"noopener" style=3D"text-decoration: none;=
" target=3D"_blank" title=3D"" data-linkto=3D"https://"><img alt=3D"in" src=
=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/emails/S=
ocial_icons_LinkedIn_yellow.png" style=3D"display: block; max-width: 32px; =
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