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Reply-To: <contact@pensionbee.com>
From: "PensionBee" <marketing@hello.pensionbee.com>
To: <bob@sarahharvey.com>
Subject: =?UTF-8?Q?You=E2=80=99re_one_step_away!?=
Date: Tue, 16 Jun 2026 12:27:20 +0100
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A quick way to find your National Insurance number. 
<https://links.pensionbee.com/s/eo/KlYtWt2-gpJTH-NaOz9LF_XTMn_wUJMfJyQg64BW9eVAi8Yhv3iY3u3uDwAvW2UChiWa7ZZ9rvaKXE5jF8g20hKBO4JZsS7DgkcLwVUfjGFEyAld6725JBGy8psh0fS0Idm3FDPojbLa8XuoMkeh5ju2gKQgmpLX7XwoEtRU4f3zZn_ZHPoC3rfLr5kYxwfqadFbN3XqqGqqSSK8Njwxplje6WwbqDRt4A/-OcdUjf02QF_cF58sgbwIduWPQVklbYR/21>







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Hi Robert,



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

Here are the quickest ways to find it:

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

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



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


Finish your sign up




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




Have a question?

Get in touch with our friendly UK team.







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idth:100px!important}.em_h40A{height:40px!important}.em_hauto{height:auto=
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ght:1px!important}.em_logo{width:45px!important;height:auto!important}.em=
_bg_line{background-image:url(images/bg_img_line.jpg)!important;height:7p=
x!important;background-position:center =
top!important;background-repeat:no-repeat!important}.em_font22{font-size:=
22px!important;line-height:26px!important}.em_w87 =
img{width:87px!important;height:auto!important}.em_w195 =
img{width:195px!important;height:auto!important}.em_w1{width:20px!importa=
nt}}@media screen and =
(max-width:320px){.em_font22{font-size:18px!important;line-height:22px!im=
portant}.em_w1{width:20px!important}}</style> </head> <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
class=3D"em_full_wrap" align=3D"center"> <tr> <td align=3D"center" =
valign=3D"top"><table align=3D"center" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" class=3D"em_main_table" =
style=3D"width:600px; table-layout:fixed;"> <tr> <td width=3D"25" =
style=3D"width:25px;" class=3D"em_side15"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> <td align=3D"center" valign=3D"top"><table =
width=3D"550" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
align=3D"center" style=3D"width:550px;" class=3D"em_wrapper"> <tbody> =
<tr> <td height=3D"22" style=3D"height:22px; font-size:1px; =
line-height:1px;" class=3D"em_h20"><img src=3D"images/spacer.gif" =
width=3D"1" height=3D"1" alt=3D"" style=3D"display:block;" =
border=3D"0"/></td> </tr> <tr> <td class=3D"em_grey" align=3D"center" =
valign=3D"top" style=3D"font-family: 'Open Sans', Arial, sans-serif; =
font-size:12px; line-height:15px; color:#909c9e;"><a =
href=3D"https://links.pensionbee.com/s/vb/qUF5N3PDNxx5-tW6GYQvdSYZ76w9mKp=
owHu7iDjBLHQVc9_kIQc6tAX_sMn9AxyrmIa2pWvSQg3ugI6AkxZ4qbSuFkfjbiwfZvXDQelQ=
E7gYBXEIGR2-AenEf2N3nAFKmbBsZ3EZzqpq0whXQP_Q97lIuJ1GfFoo1Kg/-xJVIoTkmopqt=
_0BTnPMSbkz8kP6dl7q/21" target=3D"_blank" style=3D"text-decoration:none; =
color:#909c9e;">View in browser</a></td> </tr> <tr> <td height=3D"22" =
style=3D"height:22px; font-size:1px; line-height:1px;" =
class=3D"em_h20"><img src=3D"images/spacer.gif" width=3D"1" height=3D"1" =
alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> </tbody> =
</table></td> <td width=3D"25" style=3D"width:25px;" =
class=3D"em_side15"><img src=3D"images/spacer.gif" width=3D"1" =
height=3D"1" alt=3D"" style=3D"display:block;" border=3D"0"/></td> </tr> =
</table></td> </tr> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width:600px;" width=3D"600"> <tr> <td align=3D"center" =
bgcolor=3D"#f9c000" class=3D"em_p1" style=3D"background-color:#343a40; =
padding:17px 25px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tr> <td =
align=3D"left" style=3D"width:126px;" valign=3D"top" width=3D"126"> <a =
data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/ad-EE8-_QSLVrsASRXK9EoVvLL_OOl3t=
9S9vfjnpH4n880hplv48yx40fC-vFBN5IWE8tz4avjNp_Hmps-H8wNQnq8kTvOR8xuuXbCg94=
ogsBp3hbcrmFi9w9IEqL-CfXHaq08C-2IUVLTxrImR1u7LsK3Ja_h-Bu5n2ZyDUEg81veNOy5=
tGRy6XIIULbxGdrjsOBb9tkwyeZtErPFNBMdcJYjmsCHOv86X4kP5UxMsHcIGnMGUpwZuZSND=
2GnrXl30UiOIWKlzmasrocP6noIOE_QfZFmgAHe0YhwVFpfOjwnYtVi2Yu_5yd9QK82FNux1_=
MmrGYLGFvMca25MSpJURLVrkcf_2XGhSHszqSKKb1283PjyxakBlhM6KrtmPPwDzK7yd5LI8n=
VFl6p0PYD5_zxS30Z3-oWjbMwBDJpwgeHSBNAT9rvU1cBFO8k5vuw/s-jezdlyhURCFtOhcqN=
uHOYqLHacSGLx/21" style=3D"text-decoration:none;" target=3D"_blank" =
title=3D""><img alt=3D"Pension Bee" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731506007/ema=
ils/email_templates.png" style=3D"display: block; max-width: 126px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; text-align: center; height: auto; width: =
100%;" width=3D"126"></a> </td> <td class=3D"em_side15" =
style=3D"width:353px;" width=3D"353"> &nbsp; </td> <td align=3D"center" =
valign=3D"top"> <table align=3D"right" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width:95px;" width=3D"95"> <tr> <td =
align=3D"center" bgcolor=3D"#343a40" height=3D"42" style=3D"height:42px; =
background-color:#f9c000; border-radius: 4px; font-family: 'Ryo Gothic =
PlusN', Arial, sans-serif; font-size:16px; color:#FFFFFF; =
font-weight:550;" valign=3D"middle"> <a data-linkto=3D"https://" =
href=3D"https://links.pensionbee.com/s/c/A_kTwFvDAKUsKf4-IBM65jIlJj_7WX8K=
ssv6BKYFthDy37ck9EZI5ofOeg940PJk7KHDKgnakxMOOmKQ53bX-uFoVCvjcT2q3oNuwtSmQ=
cr629jl8MxC2uGbSBbN9NhM82HJhu2WkzqAv5zylCycJjySxIKcb2oIu6NNEs5ZuwhnQKBSk2=
dae2mM0G4DYDltM6Iga7FmAUwbM62RvIGNcXuMEjfz-URtjSR9dQJaRPhFgJ2eArIxYeZzKl9=
P2vok4SE-rKUPXERmZOcMspTAYWz3Z7ebBYOKjUBUkIZXADcv6hLcpnvHzraGvoQP8OotiNIA=
DxndjLX3bB0-LBY_NvuXe7V7trVOj4szaPJ3m2fqQEdQqHkUViStimlGzF2HzIrg5KBxr3ZGe=
pn3cteR2hMH_Z7o2UMuQpxj8DG181tSHt7If67PAfLppmOi0xH_-Q/7b_41hfpO8K9r-3D65F=
OEPoohi7PjSjg/21" style=3D"color:#343a40;text-decoration:none; =
display:block; line-height:42px;" target=3D"_blank" title=3D"">Log =
in</a> </td> </tr> </table> </td> </tr> </table> </td> </tr> =
</table></div></td></tr></table><table class=3D"image_block block-2" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box; width: 100%;" =
width=3D"100%"><div class=3D"alignment" align=3D"center" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
max-width: 600px;"><a =
href=3D"https://links.pensionbee.com/s/c/ZWjO70O62RudPIa_UbyNMhxGUdtoyDbD=
PbQ9RteNIta4evV8haTdUOrfDMgwb7peMGgH-UGwRuQqA_jGl_hRH06DlDyECVFQVEhwVXmck=
idRXAvkieLzGCjHtFBEDHSfFTNpxl49vS62NQ0qbCjzsETkIKgalNqk_GKwuTjYJYjSuoHTmf=
4_tYeOIqC5GgedN7_MgoLPRXuW-OCE0P2uAxoiYiNhjJXv9gPfYNHLbawrgpmQ3B1ZvE-fiB4=
fsKth7X73ygR1eyhZ-UG_FD_iYZOeBz4VLROz1stQITwIHzNHbGTlNpNxoyFVUUz3AiXePxcg=
ixRnZrdTMiwT4X2ZCO5AmfDgBnhcpt5A_bdPI16nhDBNjqsCuszW914ULongjUzIqLajs2nLQ=
aczqzZEvzsNYKoSVysXoTjBRFO7XYAX50ClmP53A_9iyNlJ9OQGNOv125ilwyV4thqHA7FV/s=
JO7kZlY9cJBcXkJdsbzmRVy0llfHmv0/21" target=3D"_blank" =
style=3D"box-sizing: border-box;"><img =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1776951493/ema=
ils/2026/How_can_I_find_my_National_Insurance_number_.png" =
style=3D"box-sizing: border-box; display: block; height: auto; border: =
0; width: 100%;" width=3D"600" alt title =
height=3D"auto"></a></div></div></td></tr></table></td></tr></tbody></tab=
le></td></tr></tbody></table><table class=3D"row row-2" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 12px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 18px; =
color: #3a342c; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;"><span style=3D"box-sizing: border-box; word-break: =
break-word;">Hi Robert,</span></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">It looks like you =
might=E2=80=99ve had trouble finding your National Insurance (NI) =
number. Don't worry, most people need to look it up. </span><br =
style=3D"box-sizing: border-box;"><br style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;">Here are the quickest ways to find =
it:</span></p><ul style=3D"box-sizing: border-box; line-height: 1.5; =
mso-line-height-alt: 24px; font-size: 16px;"><li aria-level=3D"1" =
style=3D"box-sizing: border-box;"> <span style=3D"box-sizing: =
border-box; word-break: break-word; font-size: 16px;"><strong =
style=3D"box-sizing: border-box;">Check a payslip, P60, P45 or any =
letter from HMRC or DWP</strong> - your NI number is usually printed on =
there.</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"><span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;"><strong style=3D"box-sizing: =
border-box;">Log in to your personal tax account at GOV.UK</strong> - =
you can find your NI number listed under 'personal =
details';</span></li><li aria-level=3D"1" style=3D"box-sizing: =
border-box;"> <span style=3D"box-sizing: border-box; word-break: =
break-word; font-size: 16px;"><strong style=3D"box-sizing: =
border-box;">Ask your employe</strong>r - if you=E2=80=99re employed, =
they=E2=80=99ll have your NI number as part of their payroll =
records.</span></li></ul><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 16px; mso-line-height-alt: =
24px;"><span style=3D"box-sizing: border-box; word-break: break-word; =
font-size: 16px;">That's all we need. Once you=E2=80=99ve got your NI =
number, you can finish your sign up and start managing your pension =
easily online or via our app.</span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 18px;">&nbsp;</p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 16px; =
mso-line-height-alt: 24px;"><span style=3D"box-sizing: border-box; =
word-break: break-word; font-size: 16px;">If you=E2=80=99re still having =
trouble finding your NI number, <a =
href=3D"https://links.pensionbee.com/s/c/Rq7wSKDpL8hb7x_3E0SNPnnNJ6oL0QQM=
lOv4uuOjt-P21CmzZWDIqaty2Whpg7Fq_fyfXrDsXTPnEjqainyC_8tD4KAKcynWcjMZpYhxg=
SSZTCtuz78kNwD2EGZ8Deum59L0nq6WZs3y4DfMpILarVIzy1UwuB0PRcBq1vsk_UBIMXmW-B=
WMdTvjlTgiuCX1e1xrQEbswI5XB-VjcqF6KYBL6hV640BwaIphCb1vy1x3gTOHEJChuyWvUM3=
gYGBvQn5roQk8z1CsYsE-CqwFGVWM-IijAw5hgzwqaYdseGnbzhUOjcab4bela9La-3GHPUXN=
XJM6ZYJoo__0CR2lJIOOEjOIdEr08PBzCsdsVb0BGfQBNoOoDS7_mnvkXKVzR7lCvMfqitC67=
AFr8haBZtEzaxgKZW2FY_LWxYJsFLkC3H-i2ZCEKKjqTYvVvAckWRFhm6la0ykZXqzbkXhhm_=
ZEjNRNtTjLEE3IY1NlLi5_STfxodM3gjS3enEBFMfNqpW9wQr2Mf6oYBMN-BewQH1QfCHbYP4=
gQBdzn-CEPmWzf0zooO0WyRPmHCrdi2YdYfxfRuM923CQkUhxXpaTjeJ8urgfsooNm2XgWSp7=
wdve7htNelYlD2BA5ErTboI3foL77cHixbZFnYgiDWZwgIOsGeWzk_0v7kRvHfrbJiPWSaf0D=
yp2RKhrBWN9e9akFHc_lmwk-IVmxAhPkAnjcLgSzLp3hTE4kcyT7eL3H2_IXJ1LhofN_hCYQO=
egsYUJzWSMrVe_8qJHbBzbrqGBPaMxIqAygSfOTS8cZ4gsRB0oNJQbo5K8h4UNEwtMaGIdM9L=
KvBv1d2R5l1CmRw/xmgeKxttQ5ANP6O6adeLaRAsgLsIQBE2/21" target=3D"_blank" =
style=3D"box-sizing: border-box; text-decoration: underline; color: =
#007db7;" rel=3D"noopener">check out our guide =
here</a>.</span></p></div></div></td></tr></table><table =
class=3D"button_block block-2" width=3D"100%" border=3D"0" =
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div class=3D"alignment" =
align=3D"center" style=3D"box-sizing: border-box;"><a =
href=3D"https://links.pensionbee.com/s/c/tpWqkVu3RNAJFEHMZX1njVkhtvsnLVGD=
fIvRI2C-ULyzmoMczeNM_qn3R6S_dsP0sOYP-clFXIgpcvuGL_IJO3DwGJP24NANmZYqm2Xj3=
EdzwqO8NhOcK4uL3UpNdVLfpHwXyA_k953Cb6uPaO7bm4w-AtOqb_deiYf62fcyMbCFM14Xdx=
ZMl7O7FxWjxchB0CCqMbTXhvATJFEUs9x1lZ13IrGzDXYoXOV13OfLGoIK2ygDg54Hqf7ux_O=
V5vs7eqrDpeYPdjFUV6whtEW9u7FOny9FY3mK9YxE6f5B4d9vZoQruAjNNnC9Ddshh4tqhJ3U=
ymji_918OLjSCrv5JXjl8N6y3aeCt_RrbDMb6EDdQv3GS3YeIEOyfJlfm30bRXVNSMWv-Px7_=
yUpQ-HceyM8nowzVYn2OYzKhbadZk4OKasCabhayQuNfmJjUvJW2coe/EqG75jcUoKSU2jJtV=
Wtt2u_rD2kUXwBL/21" target=3D"_blank" style=3D"box-sizing: border-box; =
color: #3a342c; text-decoration: none;"><!--[if mso]><v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://links.pensionbee.com/s/c/PgDqr5jHewONzWWVGOVqF0IqA3f1CW4O=
MVn_IVGtsqKB-BGhiIP0a4qIi4ofmyoeCt1NJaWKihC1RkJhPL_T9cmVKjzmfD4psNTHO6ogo=
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wwOt623rHwR-6Lr/21" =
style=3D"height:44px;width:187px;v-text-anchor:middle;" arcsize=3D"28%" =
fillcolor=3D"#f9c000"> <v:stroke dashstyle=3D"Solid" weight=3D"0px" =
color=3D"#f9c000"/> <w:anchorlock/> <v:textbox =
inset=3D"0px,0px,0px,0px"> <center dir=3D"false" =
style=3D"color:#3a342c;font-family:sans-serif;font-size:16px"><![endif]--=
> <span class=3D"button" style=3D"box-sizing: border-box; =
background-color: #f9c000; mso-shading: transparent; border-bottom: 0px =
solid transparent; border-left: 0px solid transparent; border-radius: =
12px; border-right: 0px solid transparent; border-top: 0px solid =
transparent; color: #3a342c; display: inline-block; font-family: Arial, =
'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; font-weight: =
400; mso-border-alt: none; padding-bottom: 10px; padding-top: 10px; =
padding-left: 20px; padding-right: 20px; text-align: center; width: =
auto; word-break: keep-all; letter-spacing: normal;"><span =
style=3D"box-sizing: border-box; word-break: break-word; line-height: =
24px;"><strong style=3D"box-sizing: border-box;">Finish your sign =
up</strong></span></span> <!--[if =
mso]></center></v:textbox></v:roundrect><![endif]--></a></div></td></tr><=
/table></td></tr></tbody></table></td></tr></tbody></table><table =
class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tbody style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td style=3D"box-sizing: border-box;"><table =
class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; color: #333; width: 600px; margin: 0 auto;" width=3D"600"><tbody =
style=3D"box-sizing: border-box;"><tr style=3D"box-sizing: =
border-box;"><td class=3D"column column-1" width=3D"100%" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; font-weight: 400; text-align: left; padding-bottom: 30px; =
padding-top: 15px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"text_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; word-break: break-word;"><tr style=3D"box-sizing: border-box;"><td =
class=3D"pad" style=3D"box-sizing: border-box;"><div =
style=3D"box-sizing: border-box; font-family: sans-serif;"><div class =
style=3D"box-sizing: border-box; font-size: 14px; font-family: =
Arial,'Helvetica Neue',Helvetica,sans-serif; mso-line-height-alt: 21px; =
color: #343a40; line-height: 1.5;"><p style=3D"box-sizing: border-box; =
line-height: inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"><em style=3D"box-sizing: border-box;">With =
investments, your capital is at risk. Pensions can go down in value as =
well as up, so you could get back less than you =
invest.</em></p></div></div></td></tr></table><table class=3D"text_block =
block-2" width=3D"100%" border=3D"0" cellpadding=3D"5" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0; word-break: break-word;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"pad" style=3D"box-sizing: =
border-box;"><div style=3D"box-sizing: border-box; font-family: =
sans-serif;"><div class style=3D"box-sizing: border-box; font-size: =
14px; font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; =
mso-line-height-alt: 21px; color: #343a40; line-height: 1.5;"><p =
style=3D"box-sizing: border-box; line-height: inherit; margin: 0; =
font-size: 14px; text-align: center; mso-line-height-alt: =
21px;">&nbsp;</p><p style=3D"box-sizing: border-box; line-height: =
inherit; margin: 0; font-size: 14px; text-align: center; =
mso-line-height-alt: 21px;"> <span style=3D"box-sizing: border-box; =
word-break: break-word; color: #000000;"><strong style=3D"box-sizing: =
border-box;">Have a question?</strong></span></p><p style=3D"box-sizing: =
border-box; line-height: inherit; margin: 0; font-size: 14px; =
text-align: center; mso-line-height-alt: 21px;">Get in touch with our =
friendly UK =
team.</p></div></div></td></tr></table></td></tr></tbody></table></td></t=
r></tbody></table><table class=3D"row row-4" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" style=3D"box-sizing: border-box; mso-table-lspace: =
0; mso-table-rspace: 0;"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td style=3D"box-sizing: =
border-box;"><table class=3D"row-content stack" align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0; border-radius: 0; color: #000; width: 600px; margin: 0 auto;" =
width=3D"600"><tbody style=3D"box-sizing: border-box;"><tr =
style=3D"box-sizing: border-box;"><td class=3D"column column-1" =
width=3D"100%" style=3D"box-sizing: border-box; mso-table-lspace: 0; =
mso-table-rspace: 0; font-weight: 400; text-align: left; padding-bottom: =
5px; padding-top: 5px; vertical-align: top;" align=3D"left" =
valign=3D"top"><table class=3D"html_block block-1" width=3D"100%" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" =
style=3D"box-sizing: border-box; mso-table-lspace: 0; mso-table-rspace: =
0;"><tr style=3D"box-sizing: border-box;"><td class=3D"pad" =
style=3D"box-sizing: border-box;"><div style=3D"box-sizing: border-box; =
font-family: Arial,'Helvetica Neue',Helvetica,sans-serif; text-align: =
center;" align=3D"center"><table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" class=3D"em_p3" =
style=3D"padding: 15px 70px;" valign=3D"top"> <table align=3D"center" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td valign=3D"top"> <table align=3D"left" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
290px;" width=3D"290"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 130px;" width=3D"130"> <tbody> <tr> =
<td align=3D"center" class=3D"em_h0" height=3D"31" style=3D"height: =
31px;" valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Call_us.png" style=3D"display: block; max-width: 30px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; text-align: center; height: auto; width: 100%;" =
width=3D"30"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 9px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top">020 3457 8444&nbsp;</td> =
</tr> <tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Monday - =
Friday: 9:30am-5pm</td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"123" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507652/ema=
ils/Email_us.png" style=3D"display: block; max-width: 34px; font-family: =
Arial, sans-serif; font-size: 15px; line-height: 18px; color: #000000; =
padding: 0px; height: auto; width: 100%; text-align: center;" =
width=3D"30"></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 9px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 12px; line-height: 22px; color: rgb(0, 0, 0); font-weight: =
750; text-align: center;" valign=3D"top"><span style=3D"color: rgb(0, 0, =
0);"><a href=3D"mailto:contact@pensionbee.com?subject=3D" =
style=3D"text-decoration: none; color: rgb(0, 0, 0);" =
title=3D"contact@pensionbee.com" =
data-linkto=3D"mailto:">contact@pensionbee.com</a></span></td> </tr> =
<tr> <td class=3D"em_defaultlink" style=3D"padding-top: 12px; =
font-family: 'Open Sans', Arial, sans-serif; font-size: 11px; =
line-height: 16px; color: rgb(0, 0, 0); font-weight: 400; =
letter-spacing: 0.3px; text-align: center;" valign=3D"top">Send us an =
email and we'll get back to you as soon as possible</td> </tr> </tbody> =
</table> </td> </tr> </tbody> </table> <table align=3D"right" =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" =
style=3D"width: 130px;" width=3D"130"> <tbody> <tr> <td align=3D"center" =
class=3D"em_h0 em_pt25" height=3D"31" style=3D"height: 31px;" =
valign=3D"middle"><img alt=3D"" border=3D"0" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731507653/ema=
ils/Live_chat.png" style=3D"display: block; max-width: 34px; =
font-family: Arial, sans-serif; font-size: 15px; line-height: 18px; =
color: #000000; padding: 0px; height: auto; width: 100%; text-align: =
center;" width=3D"28"></td> </tr> <tr> <td align=3D"center" =
class=3D"em_defaultlink" style=3D"padding-top: 7px; font-family: 'Open =
Sans', Arial, sans-serif; font-size: 12px; line-height: 22px; color: =
#000000; font-weight: 750;" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/uZZh7BNs_uWVXUciLS8rEtKA9rJrAjn8=
xyRvQXOJ3H1lJ1gFKjXpQfWZO-s2jUyVMTomVMQwMU_NcPtuZZyVEi9iF_EdZ_pYqfV_z5kJ2=
LwscGNs8GAAyYYcY5QLkvXWLASh7AB6S9rNTXr6pSV1TXBdsLB8C9MatyosT7HH4pMHZc3uJ4=
0jADsWf-MbhBrJQ52eByvCCWLTkuQt5bVxYGhT6kkWC7GoeoHSQJXsIL8X-g6BvZRmXsSM7Wc=
zroBuzKTgAEyikA88KvcrZjwzCUCYnJ7BGa-AV8wcIcdoA1gvJVvA5IytMLWlxv_1uVsiYcXp=
FdawtT9U2nUjW7M4qps9aLt0ID6dv5k8_VRTuSf3cCh-mytGcO2KYmzJlM69TAMyQ8bakSFGW=
IfNrvHYmUc3/4g3oZh9id8H_al2LDePVYhI-bIqxZYx_/21" =
style=3D"text-decoration: none;" title=3D"Launch live chat" =
data-linkto=3D"https://"><span style=3D"color: rgb(0, 0, 0);">Launch =
live chat</span></a></td> </tr> <tr> <td class=3D"em_defaultlink" =
style=3D"padding-top: 12px; font-family: 'Open Sans', Arial, sans-serif; =
font-size: 11px; line-height: 16px; color: rgb(0, 0, 0); font-weight: =
400; letter-spacing: 0.3px; text-align: center;" valign=3D"top">Speak to =
a member of our friendly team now</td> </tr> </tbody> </table> </td> =
</tr> <tr> <td valign=3D"top"><br>&nbsp;</td> </tr> </tbody> </table> =
</td> </tr> </tbody> </table> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
600px;" width=3D"600"> <tbody> <tr> <td align=3D"center" valign=3D"top"> =
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td bgcolor=3D"#F9C000" height=3D"12" =
style=3D"height: 12px; font-size: 0px; line-height: 0px;">&nbsp;</td> =
</tr> <tr> <td align=3D"center" class=3D"em_p30" style=3D"padding: 30px =
20px;" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
align=3D"center" valign=3D"top"> <table align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" class=3D"em_wrapper" style=3D"width: =
442px;" width=3D"442"> <tbody> <tr> <td valign=3D"top"> <table =
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 279px;" width=3D"279"> <tbody> <tr> =
<td align=3D"center" valign=3D"top"> <p style=3D"font-family: Arial, =
Arial Black, Tahoma, Trebuchet MS, Verdana, sans-serif; font-size: 12px; =
color: #aaa; text-decoration: none;"><a =
href=3D"https://links.pensionbee.com/s/c/BVqYZKedC4VL1JqI3yG9Bp69i_z8m2Sl=
RN-pSlZWhO1ip1i-y8AYpB2ObhCkihhjZAhBGlDfKf9nI9Pzhs-M-Vczujlbfyr8fRz5hEh4t=
B6EVQwxJtQRqOO5S9H81S22EQExLCSKsmyicyqus2mS2MZBSE5rHDRUzQq60wOIzzTfMkBx1o=
QHnV-uNasiyKZZ_Hjq2fNkUdRLJCu4Eizsxtd6a49l20EBnqwmf8vYxb1rXimTkrYGRvrzLjo=
9pTVHKX3opdf1olMMwqrm08ysI1Uev_lo4fm0vM68PMP46EDCjQJVKD9efguVLPjvAR_ZPrNp=
cRViPnbwlvkzSF4VUUPV8nKLRMKdlJTm5i3htmN-_ADU05Tz5iboGHnxfrv8g6PaU3ereXFqr=
e0-1Rvka0If-NAcRRYz2YBmYH2ISXjPUbCA1DmklvVt6WJQuVNtnltVXi30HBMlrfRc7SOhh6=
wMSxDwLCTF20DixecRpaixtLD_XvP1tEtKu4QjLC40JR6e4vjVrjS8z1fBJGG3tWJZ5ttnX9u=
fnlGh9lao9TPSOmG4hPzVa1VT01q0OKuNrFb8UDBS5NTM/hJZtVgEZ1yAT2Hw2utGWWPtiL-a=
mZooU/21" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot rating" =
border=3D"0" height=3D"16" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/text.png" style=3D"max-height: 16px; margin: 0; padding: =
0; width: auto; border: none;"> <br><img alt=3D"Trustpilot Stars" =
border=3D"0" height=3D"40" =
src=3D"https://emailsignature.trustpilot.com/signature/en-US/2/55f7e14b00=
00ff0005835423/stars.png" style=3D"max-width: 160px; width: 100%; =
max-height: 40px; border: none;" width=3D"160"> </a> <br><a =
href=3D"https://links.pensionbee.com/s/c/gADFgd20rraThMTuDs7csOygoSdIub1t=
BSHFUWVsrVZuf8rDYJeIB08kviEZNzJg9GKOPsEOd6SFOW4kyO83C85Sa5Z2jCkVBiiqskJUa=
HWoOik8A8OtMl3j-NRZSHzRKKBZBpOEWJ8ahRq4ZFq78FYyUEugi2XlYHO2pzzDlGtAejFzqJ=
a3bR_eTZEnB-aSu7rotbFyxLKCemYocSTN23SdMTXu4Dt_c_7Gz4ZjXhwiDgo8X4YeG23r-Ty=
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7T540K36J2ipG6zdxdCIJoV9KNDYa6YjkLPpoAXH9gxiVykeABOIHmC6OKfal_PJAo9hpObhD=
oDN5jz-LwJOl5V4rnq8uyl9p26lMEyfXwJUK5aj8qrzFo6hzWjO-7cLr1GeT-we7Ta-uWEXcq=
Cm6alfzboNlETLldTv8LGNU-Xf-FsPckciXlKahAGa10S/Q_PVe38M_NPh4ObZOuHV_4rcmvh=
epZQP/21" rel=3D"noopener noreferrer" style=3D"text-decoration: none; =
text-underline: none;" target=3D"_blank"> <img alt=3D"Trustpilot Logo" =
border=3D"0" height=3D"20" =
src=3D"https://emailsignature.trustpilot.com/brand/s/2/logo.png" =
style=3D"max-width: 79px; width: 100%; max-height: 20px; border: none;" =
width=3D"79"> </a></p> <p></p> <table stlye=3D"margin-top: 16px;" =
align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
class=3D"em_wrapper" style=3D"width: 123px;" width=3D"123"> <tbody> =
<tr></tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> <table align=3D"center" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0"> <tbody> <br> <tr> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/YR32vWsKaLgLqPDt_U-OKuzBkxdJarFX=
oiSbOvYSZRXBQAw-3rWJbnhIdnC6yQe7UnVckx8LCrL9YxRvrUQ9F0X_58QSTifVNvgkYwHu_=
4uYQeI3MiH6v2VUb8M2SIF_wVUX1vxbnDm57irK2lAeszAQG5Vt7E6_vB2QoriFIaGC9LGlWw=
zxl9K8qnE3PZZ1oVt_JGSykiert_ihm-0Q9hxvuKKBesY1WQIoAn_uyTdvy778_RfvoOjk-2I=
JfNSDxjv6-4Aldh73YpBESm-uPhc--YW-xr5eUb5a0ZfEPHi2mHO3Y7T1ub7ZtXOMQjFpF8Q6=
YAYQyfC1KJIhF-mznGLgrMHnVlFGYf5LbKoZtKE5LEw5T-mODvmS9y1LanjQdM89uMJL4W9Wu=
KAY4OLc6QeykRkYZrA1m09c7Ts06G7j/4-0SfumQZsb7qE-nBrO1zD3NXOTry95T/21" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_Facebook_yellow.png" style=3D"display: block; =
max-width: 32px; font-family: Arial, sans-serif; font-size: 15px; =
line-height: 18px; color: #000000; padding: 0px; text-align: center; =
height: auto; width: 100%;" width=3D"32"></a></td> <td class=3D"em_w1" =
style=3D"width: 15px;" width=3D"30"></td> <td align=3D"center" =
valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/s2N68lMYUJvrTkz4IUbascUDJ7V0YTtO=
U3h430OBQ8Fvn107ZgB-2WraVbCOjw3ISi_wycKIzkXwwwlDm2Hb3qnBzQpPks8MCdhA0Ee32=
u_YAVeZcEOkXLTqZcRWrUoKcg3kqWf7b5qYaexbKDjqtVndnX1NG_B4VhHNWDTqtMC6iXInni=
wXonrXxeUHRFYCcR5Aj3CesWd177Rufyov0W7Nfs7N8VNuQN2b3B4sLeVVshHAFwfKYtqmAU1=
sd31xwF-EluQ9Uv4xbP0bpMWrIPWXqCqu2cYBCFfqv8NZ3TrX14t66yiJFSKGu1zOVpb__sYd=
rZfa_-6KKw8rX6pwN62eliZ-MKoq_LEgBD7qxrcCEdkrR4RdehzcXO5bhhv73f-ndVdMtN-Ug=
6jeXev82FS2Ss6JfVhLNPxFth3nsRdf/a_fmBD-4QqZqkTVYRdEcEm9Ch_4K7Ehg/21" =
rel=3D"noopener" style=3D"text-decoration: none;" target=3D"_blank" =
title=3D"" data-linkto=3D"https://"><img alt=3D"fb" =
src=3D"https://res.cloudinary.com/pensionbee/image/upload/v1731515759/ema=
ils/Social_icons_at_yellow.png" style=3D"display: block; max-width: =
32px; font-family: Arial, sans-serif; font-size: 15px; line-height: =
18px; color: #000000; padding: 0px; text-align: center; height: auto; =
width: 100%;" width=3D"35"></a></td> <td class=3D"em_w1" style=3D"width: =
15px;" width=3D"30"></td> <td align=3D"center" valign=3D"top"><a =
href=3D"https://links.pensionbee.com/s/c/BygxT6yLzI0DqOWHGb4ed42SaSxl5PSF=
T_OQ8ABiGIdJRUPkQ9G43QSI7pU3OnCbHbLtBdHtCQp3Zo0JWfZlMQOuLp5oucOeKhuph9fNc=
roI3tnW3xUsE4sqcyw5FYM8QT8OkMwVQJnp9gfdZnIc0O5bLE_3HAQa7w8uztnddigsxTpkaf=
U1krfJLDuZNw3lpwehk66uMea8E7l170XogoE5FMvS5rX0C-wiM7Zh4OhJfBksDuThT1uxzlv=
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