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Date: Fri, 26 Jun 2026 14:21:14 +0100
To: <vince@showfile.com>
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Here=E2=80=99s part of your postcode 9BP
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https://t18.notifications.rbs.co.uk/r/=3Fid=3Dta7341b1c,a0394f51,8045a613&e=3DY2lkPURNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOCZwMT0lNDBReDQ2NkhhMDZvbXA3JTJCYTlEViUyQlhQaTZOVnA1RFR5JTJCQlhjVTVnbCUyRkdkeVklM0Q&s=3D3Smc2WJYcb-aHwvFTNahdsVpVIZfImlgwYmSaJY1pUs Try it in your browser .
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By clicking on links in this email, you agree to Royal Bank of Scotland using cookies to track your interaction, to improve the performance of our communications, understand your interests, and to personalise our future emails to you.
If you do not want your interactions with this email below tracked you can visit our website by clicking this un-tracked link about https://www.rbs.co.uk/savings/isa-overview/autumn-budget.html ISA changes .
Hello Vincent,
=E2=80=8C
The government has shared more detail on how ISAs will change from 6th April 2027. We=E2=80=99re here to help you understand what this could mean for you in the future.
=E2=80=8C
Any ISA balances you=E2=80=99ll have built up by the end of this tax year shouldn't be impacted and will remain protected within the tax wrapper.
Changes from 6th April 2027 for under 65s
While you don't need to take action now, you may want to review how you use your ISA allowance over time, making sure it continues to meet your needs.
=E2=80=A2
The total ISA allowance will stay at =C2=A320,000 per year.
=E2=80=A2
The amount you can add into a Cash ISA will be limited to =C2=A312,000.
=E2=80=A2
The amount you'll be able to add to a Stocks and Shares ISA will remain at =C2=A320,000.
=E2=80=A2
You can choose how to split your =C2=A320,000 allowance between ISAs, as long as no more than =C2=A312,000 goes into a Cash ISA and your total contributions across both types of ISAs doesn't go over the =C2=A320,000 annual ISA limit.
=E2=80=A2
New rules will apply to transferring between ISA types, whether you stay with your current provider or switch to a new one. Here=E2=80=99s what=E2=80=99s changing:
Still allowed:
=E2=80=A2
Cash ISA to Cash ISA.
=E2=80=A2
Stocks and Shares ISA to Stocks and Shares ISA.
=E2=80=A2
Cash ISA to Stocks and Shares ISA.
No longer allowed:
=E2=80=A2
Stocks and Shares ISA to Cash ISA.
What you may want to consider
You can currently move your money freely between different ISA types. You may want to think about what you=E2=80=99d like to do with your ISA savings before these changes come in from 6th April 2027.
Nothing's changing for those 65 and over
=E2=80=A2
You can continue using your full =C2=A320,000 ISA allowance as you can today across Cash and Stocks and Shares ISAs.
=E2=80=A2
You can continue to transfer between ISA types.
The restrictions for under 65s will be removed at the start of the tax year in which you turn 65 (not on your birthday). For example, if you turn 65 on 1st April 2029 the changes will be removed from the 2028/29 tax year onwards.
Other changes
From 6th April 2027 a 22% charge may apply to interest on cash held within a Stocks and Shares ISA.
=E2=80=8C
However this change won't impact:
=E2=80=A2
Royal Bank Cash ISAs.
=E2=80=A2
Royal Bank Invest Stocks and Shares ISAs.
This charge may apply if you hold a Stocks and Shares ISA with another provider. You can find more details on the https://t18.notifications.rbs.co.uk/r/=3Fid=3Dta7341b1c,a0394f51,8045a614 government website .
=E2=80=8C
We'll be writing to you shortly with details of how these changes impact other Royal Bank Stocks and Shares ISAs.
These changes are still being finalised and are subject to change. We=E2=80=99ll continue to keep you updated and we're here to help you understand what it means for you.
https://t18.notifications.rbs.co.uk/r/=3Fid=3Dta7341b1c,a0394f51,8045a615&e=3DY2lkPURNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=3DuM6ueOYXZE6n4RlqZTVzWDCPhrBntDdhIAFrftUcRuM Read more on the changes
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The Royal Bank of Scotland plc. Registered in Scotland No. SC083026.
Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Financial Services Firm Reference Number 114724.
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@media (max-width:599px) and (min-width:481px) {.st-module-wrapper-table {m=
argin-top:-1px !important;} }
div > u + .body .st-module-wrapper-table {margin-top:0px !important}
</style>
<!--[if !mso]><!-->
<style>
ul, ol {margin-left:15px; padding-left:0px}
</style>
<!--<![endif]-->
<!--[if mso]>
<style>
table{
border-collapse: collapse;
}
span.MsoHyperlink {
mso-style-priority:99;
color:inherit;
}
span.MsoHyperlinkFollowed {
mso-style-priority:99;
color:inherit;
}
ol li, ul li {margin-top:0px !important;margin-bottom:0px !important;}
</style>
<![endif]-->
<!--[if gte mso 9]>
<style>
=2Est-mso-full-width{
width: 100%;
}
</style>
<![endif]-->
<!--[if IEMobile]>
<style type=3D"text/css">
=2Est-mso-full-width{
width: 100%;
}
</style>
<![endif]-->
<style>
ul,ol{
margin-left: 0;
padding-left: 20px;
margin-top: 0!important;
}
=2Epri-hover td:hover {background-color:#3c1053!important;}
=2Epri-hover td:hover span{color:#ffffff!important;}
=2Eprialt-hover td:hover {background-color:#e6dfec!important;}
=2Eprialt-hover td:hover span{color:#3c1053!important;}
=2Esec-hover td:hover {background-color:#ffffff!important;border-color:#3c1=
053!important;}
=2Esec-hover td:hover span{color:#3c1053!important;}
=2Esecalt-hover td:hover {background-color:#f2eaf9!important;border-color:#=
3c1053!important;}
=2Esecalt-hover td:hover span{color:#3c1053!important;}
=2Esecaltdarkbg-hover td:hover {background-color:rgba(255, 255, 255, 0.15)!=
important;border-color:#ffffff!important;}
=2Esecaltdarkbg-hover td:hover span{color:#ffffff!important;}
=2EbR-t { border-top-right-radius: 10px!important; }
=2EbR-b { border-bottom-right-radius: 10px!important; }
=2EbL-t { border-top-left-radius: 10px!important; }
=2Ebl-b { border-bottom-left-radius: 10px!important; }
=2EBR, .BR img { border-radius: 10px!important; }
=2EBRbox-out { border-radius: 10px!important; }
=2EBRimage, .BRimage img{ border-radius: 10px 0px 0px 10px !important; }
=2EBRimage-R, .BRimage-R img{ border-radius: 0px 10px 10px 0px !important; =
}
=2Emob-colwidth-2 {width: 2%; min-width: 2%; max-width: 2%;}
=2Emob-colwidth-50 {width: 50%; min-width: 50%; max-width: 50% !important;}
=2Euntracked-link a{text-decoration:underline !important; color:#5E10B1 !im=
portant}
=2Eword-break {word-break: break-word !important; word-wrap: break-word !im=
portant; overflow-wrap: break-word !important;}
/* The CSS below isn't applied to this library, please DELETE THE BELOW -
=2Eprimarybtn td:hover {background:#ffffff!important;}
=2Eprimarybtn td:hover span{color:#5E10B1!important;}
=2Eprimarybtn td:focus {border:2px solid #5E10B1!important;offset:2px;}
=2Eprimary-alt td:hover {background:#E6DFEC!important;}
=2Eprimary-alt td:hover span{color:#3C1053!important;}
=2Esecondarybtn td:hover {background:#ffffff!important;}
=2Esecondarybtn td:hover span{color:#3C1053!important;}
=2Esecondary-alt td:hover {background:#F2EAF9!important;}
=2Esecondary-alt td:hover span{color:#3C1053!important;}
=2Ebullet-champion ul {color: #5A287D!important; font-size: 19px!important;=
}
=2Ebullet-champion p, .bullet-champion span {color: #646068!important; font=
-size: 14px!important;}
=2Emob-primarybtn a:hover {background:#ffffff!important;color:#5E10B1!impor=
tant;}
=2Eword-break, .word-break p, .word-break span, .word-break a {word-break: =
break-all;}
CSS ENDS HERE */
[_type=3D"mirrorPage"] {
/* CSS properties here */
background-color: lightblue;
color: black;
}
=2Euspbtn table{max-width:140px!important;}
=2Euspbtn td{width:140px!important;max-width:140px!important;}
=2Euspbtn a{max-width:140px!important;}
=2Euspbtn {max-width:140px!important;}
=2Eround-corners-tr {border-top-right-radius: 10px}
=2Eround-corners-tl {border-top-left-radius: 10px}
=2Eround-corners-br {border-bottom-right-radius: 10px}
=2Eround-corners-bl {border-bottom-left-radius: 10px}
@media all and (max-width: 480px) {
=2Emob-w10 {width: 10px!important;min-width: 10px!important;max-width: 10px=
!important;}
=2Ebtn-190 table, .btn-190 td, .btn-190 a, .btn-190 {width:190px !important=
;max-width:190px !important;}
=2Ebtn-215 table, .btn-215 td, .btn-215 a, .btn-215 {width:215px !important=
;max-width:215px !important;}
=2Emob-colwidth-49 {width: 49%; min-width: 49%; max-width: 49%;}
=2Emob-w16 {min-width:16px!important;width:16px!important;}
=2Emob-w30 {min-width:30px!important;width:30px!important;max-width:30px!im=
portant;}
=2Emob-w32 {min-width:32px!important;width:32px!important;max-width:32px!im=
portant;}
=2Emob-w40 {min-width:40px!important;width:40px!important;max-width:40px!im=
portant;}
=2Emob-w36 {min-width:36px!important;width:36px!important;}
=2Emob-w70 {min-width:70px!important;width:70px!important;max-width:70px!im=
portant;}
=2Emob-w191 {min-width:191px!important;width:191px!important;max-width:191p=
x!important;}
=2Emob-w214 {min-width:214px!important;width:214px!important;max-width:214p=
x!important;}
=2Emob-w215 {min-width:215px!important;width:215px!important;max-width:215p=
x!important;}
=2Emob-w235 {min-width:235px!important;width:235px!important;max-width:235p=
x!important;}
=2Emob-w240 {min-width:240px!important;width:240px!important;max-width:240p=
x!important;}
=2Emob-w216img, .mob-w216img img {min-width:216px!important;width:216px!imp=
ortant;max-width:216px!important;}
=2Emob-w264 {min-width:264px!important;width:264px!important;max-width:264p=
x!important;}
=2Emob-w220 {min-width:220px!important;width:220px!important;max-width:220p=
x!important;}
=2Emob-w292 {min-width:292px!important;width:292px!important;max-width:292p=
x!important;}
=2Emob-w158 {min-width:158px!important;width:158px!important;max-width:158p=
x!important;}
=2Emob-w130 {min-width:130px!important;width:130px!important;max-width:130p=
x!important;}
=2Emob-w120 {min-width:120px!important;width:120px!important;max-width:120p=
x!important;}
=2Emob-w160 {min-width:160px!important;width:160px!important;max-width:160p=
x!important;}
=2Emob-w140 td, .mob-w140 img {min-width:140px!important;width:140px!import=
ant;max-width:140px!important;}
=2Emob-wspacer {width: 2%!important;}
=2Emob-w95 {min-width:95px!important;width:95px!important;}
=2Emob-w138 {min-width:138px!important;width:138px!important;}
=2Emob-w139 {min-width:139px!important;width:139px!important;}
=2Emob-w240 img, .mob-w240 p {min-width:240px!important;width:240px!importa=
nt;max-width:240px !important;}
=2Efz-10 p, .fz-10 span{font-size: 10px !important;line-height: 12px !impor=
tant;}
=2Efz-11 p, .fz-11 span{font-size: 11px !important;line-height: 14px !impor=
tant;}
=2Efz-16 p, .fz-16 span {font-size:16px !important;line-height: 24px !impor=
tant;}
=2Efz-20 p, .fz-20 span {font-size: 20px !important;line-height: 22px !impo=
rtant;}
=2Efz-24 p, .fz-24 span {font-size: 24px !important;line-height: 28px !impo=
rtant;}
=2Efz-16-footer p, .fz-16-footer span {font-size:16px !important;line-heigh=
t: 21px !important;}
=2Epremierbtn span, .uspbtn span, .premierbtn p, .uspbtn p, .premierbtn a, =
.uspbtn a {font-size:16px !important;line-height: 20px !important;}
}
/* .primarybtn table{width:300px!important;max-width:300px!important;}
=2Eprimarybtn a{width:300px!important;max-width:300px!important;} */
/* The CSS below isn't applied to this library, please DELETE THE BELOW -
=2Emob-col33{width: 33% !important;min-width: 33% !important;max-width: 33%=
!important;}
=2Emob-col90, .mob-col90 img {width: 90% !important;min-width: 90% !importa=
nt;max-width: 90% !important;}
=2Emob-btn90 table, .mob-btn90 td, .mob-btn90 a, .mob-btn90 {width: 90% !im=
portant;min-width: 90% !important;max-width: 90% !important;}
=2Emob-colwidth-33 {min-width: 33.33%!important;}
=2Emob-colwidth-33 p {word-break: break-word;}
=2Ebg-contain {background-size:contain!important;}
=2Emob-w45 {min-width:45px!important;width:45px!important;}
=2Emob-w480 {min-width:480px!important;width:480px!important;max-width:480p=
x!important;}
=2Emob-w420 {min-width:420px!important;width:420px!important;max-width:420p=
x!important;}
=2Emob-w390 {min-width:390px!important;width:390px!important;max-width:390p=
x!important;}
=2Emob-w185 {min-width:185px!important;width:185px!important;max-width:185p=
x!important;}
=2Emob-w158 {min-width:158px!important;width:158px!important;max-width:158p=
x !important;height: 280px!important;}
=2Emob-w72 {min-width:72px!important;width:72px!important;}
=2Emob-w80 {min-width:80px!important;width:80px!important;}
=2Emob-w83 {min-width:83px!important;width:83px!important;}
=2Emob-w84 {min-width:84px!important;width:84px!important;}
=2Emob-w83-1 {min-width:83px!important;width:83px!important;max-width: 83px=
!important;}
=2Emob-w84-1 {min-width:84px!important;width:84px!important;max-width: 84px=
!important;}
=2Emob-wicon {width: 12%!important;}
=2Emob-wtext {width: 37%!important;}
=2Emob-wcopy {width: 49%!important;}
=2Emob-fluid {width:100% !important;}
=2Emobile-pad { padding-left:15px!important; padding-right:15px!important; =
}
=2Emob-w90 {min-width:90px!important;width:90px!important;}
=2Emob-w225 img, .mob-w225 p {min-width:225px!important;width:225px!importa=
nt;max-width:225px !important;}
=2Emob-h5 p{height: 5px!important;}
=2Emob-h10 p{height: 10px!important;}
=2Emob-h15 p{height: 15px!important;}
=2Eper { width: 49% !important;}
=2Eper2 { width: 2% !important;}
=2Ebox1 { word-break: break-word;}
=2Eprimarybtn-280 table{width:280px!important;max-width:280px!important;}
=2Eprimarybtn-280 a{width:280px!important;max-width:280px!important;}
=2Emob-primarybtn a:hover {background:#ffffff!important;color:#5E10B1!impor=
tant;}
=2Emso-outer-cta { width: 300px !important;}
=2Emso-outer-cta-215 { width: 215px !important;}
=2Emso-outer-cta-330 { width: 330px !important;}
=2Efont-16-cta a{font-size: 16px !important;line-height: 20px !important;}
=2Efz-13 p, .fz-13 span {font-size:13px!important;}
=2Efz-18 p, .fz-18 span {font-size:18px !important;line-height: 24px !impor=
tant;}
=2Efz-16-cta span {font-size: 16px !important;line-height: 20px !important;=
}
=2Etwo-col-image-30{width: 180px !important;padding-left:0px !important;pad=
ding-right:5px !important;}
=2Etwo-col-copy-70{width: 300px !important;padding-left: 5px !important;pad=
ding-right:10px !important;}
=2Etwo-col-copy-70-1{width: 300px !important;}
=2Etwo-col-image-30-1{width: 180px !important;}
=2Etwo-col-image-50{min-width: 50%!important;max-width: 50% !important;padd=
ing-left:0px !important;padding-right:5px !important;}
=2Etwo-col-copy-50 {min-width: 50%!important;max-width: 50% !important;padd=
ing-left: 5px !important;padding-right:10px !important;}
=2Emob-minw-10 {width: 10px !important; min-width: 10px !important; max-wid=
th: 10px !important;}
=2Emob-minw-10 img {width: 10px !important; min-width: 10px !important; max=
-width: 10px !important;}
=2Emob-minw-12 {width: 12px !important; min-width: 12px !important; max-wid=
th: 12px !important;}
=2Emob-minw-12 img {width: 12px !important; min-width: 12px !important; max=
-width: 12px !important;}
CSS ENDS HERE */
</style>
<!--[if gte mso 9]>
<style type=3D"text/css">
/* The CSS below isn't applied to this library, please DELETE THE BELOW -
=2Emso-outer-cta{
padding: 13px 34px;
}
=2Emso-outer-cta a{
padding: 0 !important;
}
=2Emso-outer-cta-330{
padding: 13px 34px;
}
=2Emso-outer-cta-330 a{
padding: 0 !important;
}
ENDS HERE */
</style>
<![endif]-->
<!--[if mso]>
<style>
=2Emso-lh-exactly {mso-line-height-rule:exactly;}
</style>
<![endif]-->
<!--[if gte mso 9]>
<style type=3D"text/css">
=2Eoutlook-table-30 {
width:200px !important;
max-width:200px !important;
}
=2Eoutlook-table-70 {
width:400px !important;
max-width:400px !important;
}
=2Eoutlook-table-276 {
width:276px !important;
max-width:276px !important;
}
=2Eoutlook-width{
mso-line-height-rule: exactly !important;
border-collapse: collapse !important;
border-spacing: 0 !important;
}
</style>
<![endif]-->
</head>
<body class=3D"st-email-body st-center-gmail">
<div style=3D"font-size:0px; display:none; visibility:hidden; opacity:0; co=
lor:transparent; max-height:0px; height:0; width:0; mso-hide:all;">
What you need to know
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</div>
<table role=3D"presentation" width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" bgcolor=3D"#FFFFFF" class=3D"st-wrapper-table" style=3D=
"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-5=
q93f7hy12cbe" style=3D"width: 100%; padding-bottom: 9px;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"st-dynamic-slnzcz=
nix7p0n" style=3D"padding: 19px 30px 18px;">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"16" valign=3D"middle" class=3D"mob-w16" style=3D"width: 16px;"=
>
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-lltk=
3uzqlsp7k" style=3D"width: 100%;"><img border=3D"0" valign=3D"top" width=3D=
"16" src=3D"https://res18.notifications.natwest.com/res/img/AB448A4DEFD07E3=
216876A5DDE151B8C.png" height=3D"20" alt=3D"Lock icon" class=3D"st-mobile-w=
idth-constraint" style=3D"border: 0px; display: block; width: 16px; max-wid=
th: 100%;"> </td>
</tr>
</table>
</td>
<td width=3D"254" valign=3D"middle" style=3D"width: 254px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;"><=
table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=3D=
"0" border=3D"0">
<tbody><tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-10" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 12px; font-weight: normal; letter-spacing: normal; line-height:=
14px; padding-left: 14px; width: 100%;">
<p style=3D"margin: 0px;">
<span style=3D"font-size: 12px; line-height: 14px;">
Here=E2=80=99s part of your postcode 9BP
</span>
</p>
</td>
</tr>
</tbody>
</table></td>
</tr>
</table>
</td>
<td width=3D"270" valign=3D"middle" style=3D"width: 270px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-10" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 12px; font-weight: normal; letter-spacing: normal; line-height:=
14px; width: 100%;">
<p style=3D"margin: 0px; text-align: right;"><span style=3D"font-size: 12px=
; line-height: 14px;">Email not displaying quite right=3F</span></p>
<p style=3D"margin: 0px; text-align: right;"><span style=3D"font-size: 12px=
; line-height: 14px;"><span style=3D"text-decoration: underline; color: #5e=
10b1;"><a style=3D"color: #5e10b1;" href=3D"https://t18.notifications.rbs.c=
o.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a608&e=3DY2lkPURNNjQzMzc3JmJpZD0tMTQ4=
OTc1NzQxMiZjaW49MTA1MTYwODkxOCZwMT0lNDBReDQ2NkhhMDZvbXA3JTJCYTlEViUyQlhQb29=
3MVA2NnRsVjBjaktOQnZvazFzZyUzRA&s=3DRWA-yngfPw2GcAwU2S0GStG0bBcJmK4JYeOBh5_=
5g-g" ><span style=3D"color: #5e10b1;"><u>Try it in your browser</u></span>=
</a>.</span></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
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ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 13px; font-weight: normal; letter-spacing: normal; line-height:=
18px; padding-left: 30px; padding-right: 30px; padding-top: 15px; width: 1=
00%;">
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<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-4=
53wc4bm1mkbf" style=3D"width: 100%;">
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0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
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<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
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<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
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<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;"><=
img border=3D"0" valign=3D"top" width=3D"600" src=3D"https://res18.notifica=
tions.natwest.com/res/img/7BD0F99BF2E69641C10FE444CAD0AC2B.png" alt=3D"Chan=
ges to ISAs from April 2027" title=3D"" class=3D"st-hide-mobile st-resize" =
style=3D"border: 0px; display: block; width: 600px; max-width: 100%;"> <!--=
[if !mso 12]><!-->
<div class=3D"show-img-mobile" style=3D"display: none; width: 0px; overflow=
: hidden;"><img src=3D"https://res18.notifications.natwest.com/res/img/B105=
AFC47DC39A066857A306D8520457.png" border=3D"0" width=3D"600" valign=3D"top"=
alt=3D"Changes to ISAs from April 2027" title=3D"" class=3D"st-resize" sty=
le=3D"display: block; border-width: medium; border-style: none; border-colo=
r: currentcolor; border-image: initial; max-width: 100%; height: auto; widt=
h: 600px;"></div> <!--<![endif]-->
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<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#F2F2F8" valign=3D"top" class=3D"st-dynamic-5=
q93f7hy12cbe" style=3D"width: 100%;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
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<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"padding-bottom: 9=
px; padding-top: 9px;">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
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<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-11" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 13px; font-weight: normal; letter-spacing: normal; line-height:=
18px; padding: 9px 15px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 13px; line-height: 18px=
;">By clicking on links in this email, you agree to Royal Bank of Scotland =
using cookies to track your interaction, to improve the performance of our =
communications, understand your interests, and to personalise our future em=
ails to you.</span></p>
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<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-11" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 13px; font-weight: normal; letter-spacing: normal; line-height:=
18px; padding-bottom: 9px; padding-left: 15px; padding-right: 15px; width:=
100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 13px; line-height: 18px=
;">If you do not want your interactions with this email below tracked you c=
an visit our website by clicking this un-tracked link about <span style=3D"=
color: #5e10b1; text-decoration: underline;"><span style=3D"color: #5e10b1;=
text-decoration: underline;"><a href=3D"https://www.rbs.co.uk/savings/isa-=
overview/autumn-budget.html=3Fextcam=3DRE_R_EMC_0_SACISA_ISAReformJune26_RB=
Core_Non-tracked-link" style=3D"color: #5e10b1;" _label=3D"Non-tracked link=
"><span style=3D"color: #5e10b1; text-decoration: underline;">ISA changes</=
span></a></span></span>.</span></p>
</td>
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<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-6=
llwirweo0hwi" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">Hello Vincent,</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">The government has shared more detail on how ISAs=
will change from 6th April 2027. We’re here to help you underst=
and what this could mean for you in the future.</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">Any ISA balances you’ll have built up by th=
e end of this tax year shouldn't be impacted and will remain protected with=
in the tax wrapper.</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
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</table>
</td>
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</table>
</td>
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</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#F2EAF9" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-24" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #5a287d;=
font-size: 22px; font-weight: 700; letter-spacing: normal; line-height: 26=
px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"text-align: left; margin: 0px;">Changes from 6th April 2027 for=
under 65s</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;">While you don't need to take action now, you may =
want to review how you use your ISA allowance over time, making sure it con=
tinues to meet your needs.</p>
</td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__2kvi" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">The total ISA allowance will stay at £20,000 per year.</p></s=
pan></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__dgfe3"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">The amount you can add into a Cash ISA will be limited to £12=
,000.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__se4ai"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">The amount you'll be able to add to a Stocks and Shares ISA will r=
emain at £20,000.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__q9tj8"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">You can choose how to split your £20,000 allowance between IS=
As, as long as no more than £12,000 goes into a Cash ISA and your tota=
l contributions across both types of ISAs doesn't go over the £20,000 =
annual ISA limit.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__a4ee" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">New rules will apply to transferring between ISA types, whether yo=
u stay with your current provider or switch to a new one. Here’s what=
’s changing:</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#F2EAF9" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"color: #5a287d;"><strong>Still all=
owed:</strong></span></p>
</td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__05p4" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Cash ISA to Cash ISA.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__mf1f6"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Stocks and Shares ISA to Stocks and Shares ISA=
.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__gf8s" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Cash ISA to Stocks and Shares ISA.</p></span><=
/p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#F2EAF9" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"color: #5a287d;"><strong>No longer=
allowed:</strong></span></p>
</td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__p8n3u"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Stocks and Shares ISA to Cash ISA.</p></span><=
/p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#F2EAF9" valign=3D"top" class=3D"st-dynamic-6=
llwirweo0hwi" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-24" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #5a287d;=
font-size: 22px; font-weight: bold; letter-spacing: normal; line-height: 2=
6px; padding-top: 9px; padding-bottom: 9px; width: 100%;">
<p style=3D"margin: 0px;">What you may want to consider</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">You can currently move your money freely between =
different ISA types. You may want to think about what you’d like to d=
o with your ISA savings before these changes come in from 6th April 2027.</=
p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#DBEDFA" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-24" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #5a287d;=
font-size: 22px; font-weight: 700; letter-spacing: normal; line-height: 26=
px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;">Nothing's changing for those 65 and over</p>
</td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__8tnc" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">You can continue using your full £20,000 ISA allowance as you=
can today across Cash and Stocks and Shares ISAs.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__irglo"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;">You can continue to transfer between ISA types.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;">The restrictions for under 65s will be removed at=
the start of the tax year in which you turn 65 (not on your birthday). For=
example, if you turn 65 on 1st April 2029 the changes will be removed from=
the 2028/29 tax year onwards.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-v=
mzwx86sws1cb" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-24" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #5a287d;=
font-size: 22px; font-weight: 700; letter-spacing: normal; line-height: 26=
px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"text-align: left; margin: 0px;">Other changes</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"text-align: left; margin: 0px;">From 6th April 2027 a 22% charg=
e may apply to interest on cash held within a Stocks and Shares ISA. <=
/p>
<p style=3D"text-align: left; margin: 0px;">‌<br /></p>
<p style=3D"text-align: left; margin: 0px;"><strong>However this change won=
't impact:</strong></p>
</td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__osklk"=
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 10=
0%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Royal Bank Cash ISAs.</p></span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" align=3D"center" valign=3D"top" class=3D"__scope__93af" =
style=3D"width: 100%;"><table role=3D"presentation" cellpadding=3D"0" cells=
pacing=3D"0" border=3D"0" align=3D"left" width=3D"100%" style=3D"width: 100=
%;padding-top:9px;padding-bottom:9px;">
<tr>
<td width=3D"20" valign=3D"top" style=3D"width: 20px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" style=3D"text-align: left;=
font-family: Arial, Helvetica, sans-serif; color: #5A287D; font-size: 20px=
; font-weight: 700; letter-spacing: normal; line-height: 18px; width: 100%;=
">
<p style=3D"margin: 0px;"><span style=3D"font-size: 20px;">=E2=80=A2</span>=
</p>
</td>
</tr>
</table>
</td>
<td valign=3D"top">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" class=3D"fz-16" valign=3D"top" align=3D"left" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; width: 100%;">
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px"><p style=3D"margi=
n: 0px;" class=3D"MsoNormal">Royal Bank Invest Stocks and Shares ISAs.</p><=
/span></p>
</td>
</tr>
</table>
</td>
</tr>
</table></td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16" style=3D"t=
ext-align: left; font-family: Arial, Helvetica, sans-serif; color: #646068;=
font-size: 14px; font-weight: normal; letter-spacing: normal; line-height:=
20px; padding-bottom: 9px; padding-top: 9px; width: 100%;">
<p style=3D"margin: 0px;">This charge may apply if you hold a Stocks and Sh=
ares ISA with another provider. You can find more details on the <span styl=
e=3D"color: #5e10b1; text-decoration: underline;"><span style=3D"color: #5e=
10b1; text-decoration: underline;"><a style=3D"color: #5e10b1;" href=3D"htt=
ps://t18.notifications.rbs.co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a609" _la=
bel=3D"GovLink" _category=3D"40306" ><span style=3D"color: #5e10b1; text-de=
coration: underline;">government website</span></a></span></span>.</p>
<p style=3D"margin: 0px;">‌<br /></p>
<p style=3D"margin: 0px;">We'll be writing to you shortly with details of h=
ow these changes impact other Royal Bank Stocks and Shares ISAs.</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"st-dynamic-6=
llwirweo0hwi" style=3D"width: 100%; padding-left: 30px; padding-right: 30px=
;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"540" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 540px;">
<tr>
<td align=3D"center" valign=3D"bottom" width=3D"540">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16 st-dynamic-=
5q93f7hy12cbe" style=3D"text-align: left; font-family: Arial, Helvetica, sa=
ns-serif; color: #646068; font-size: 14px; font-weight: normal; letter-spac=
ing: normal; line-height: 20px; padding-bottom: 9px; padding-top: 9px; widt=
h: 100%;">
<p style=3D"margin: 0px;">These changes are still being finalised and are s=
ubject to change. We’ll continue to keep you updated and we're here t=
o help you understand what it means for you.</p>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"premierbtn pri-=
hover" style=3D"padding-top: 22px; padding-bottom: 22px; width: 100%;"><!--=
[if mso]>
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schem=
as-microsoft-com:office:word" style=3D"height:47pt; v-text-anchor:middle; w=
idth:168pt; mso-position-horizontal: center" arcsize=3D"81%" strokecolor=3D=
"#5E10B1" strokeweight=3D"0pt" fillcolor=3D"#5E10B1" class=3D"st-no-trackin=
g">
<w:anchorlock/>
<v:textbox inset=3D"0,0,0,0"><p style=3D"text-align: center; font-family: A=
rial, Helvetica, Sans-serif; color: #FFFFFF; font-size: 16px; font-weight: =
700; letter-spacing: normal; mso-line-height-rule: exactly; line-height: 24=
px"><![endif]-->
<!--[if !mso]><!-->
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"223" style=3D"width: 223px; border-collapse: initial;">
<tr>
<td width=3D"100%" bgcolor=3D"#5E10B1" align=3D"center" height=3D"22" valig=
n=3D"middle" style=3D"mso-padding-alt:11px 30px 11px 30px; border-radius:50=
px; height: 22px; width: 100%; text-align: center; background-color: #5e10b=
1; vertical-align: middle"><!--<![endif]--> <a width=3D"223" href=3D"https:=
//t18.notifications.rbs.co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a60a&e=3DY2l=
kPURNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=3D1BxoM8aEtQaMgj4=
KEjSz8eue5fb99Kq08rOVKe2-5EI" target=3D"_blank" bgcolor=3D"#5E10B1" valign=
=3D"middle" style=3D"mso-line-height-rule:exactly; text-align:center; font-=
family: Arial, Helvetica, sans-serif; color: #ffffff; font-size: 14px; font=
-weight: 700; letter-spacing: normal; line-height: 18px; padding: 11px 30px=
; text-decoration: none; display: table-cell; width: 223px; height: 22px; b=
order-radius: 50px; vertical-align: middle; box-sizing: content-box" _label=
=3D"CTA" _category=3D"40307" ><span style=3D"margin: 0px; color: #ffffff;">=
<span style=3D"font-size: 14px; line-height: 18px;">Read more on the change=
s</span></span></a> <!--[if !mso]><!--></td>
</tr>
</table> <!--<![endif]-->
<!--[if mso]>
</p></v:textbox>
</v:roundrect>
<![endif]-->
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"9" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 9px; max-height: 9px; margin: 0px; font-size: 9px; line-height: 9px=
">
</p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center"> <!-- FOOTER START -->
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"600" class=3D"st-wrapper st-wrapper-background=
st-module-wrapper-table" style=3D"width: 600px;">
<tr>
<td width=3D"100%" bgcolor=3D"#FFFFFF" valign=3D"top" class=3D"fz-16-footer=
st-dynamic-5q93f7hy12cbe" style=3D"width: 100%;">
<table role=3D"presentation" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" align=3D"center" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" bgcolor=3D"#5A287D">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation"> </table>
</td>
</tr>
</table>
</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" bgcolor=3D"#5A287D">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-fcs0=
qb7qflt6q" style=3D"padding-top: 25px; padding-bottom: 25px; width: 100%;">=
<a href=3D"https://t18.notifications.rbs.co.uk/r/=3Fid=3Dha7341b1c,a0394f51=
,8045a60b&e=3DY2lkPURNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=
=3DqPuCe8nMwivlIL8LKS0KYmr_uwAZW5vVxPa1-fx59f0" target=3D"_blank" style=3D"=
display: block;" ><img border=3D"0" valign=3D"top" width=3D"58" src=3D"http=
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C.png" alt=3D"Royal Bank" class=3D"st-hide-mobile st-mobile-width-constrain=
t" style=3D"border: 0px; display: block; width: 58px; max-width: 100%;"> <!=
--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-fcs0qb7qflt6q" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/9B3692EA082559FCBCD074FC152CD40C.png" border=3D"0" wid=
th=3D"58" valign=3D"top" alt=3D"Royal Bank" class=3D"st-mobile-width-constr=
aint" style=3D"display: block; border-width: medium; border-style: none; bo=
rder-color: currentcolor; border-image: initial; max-width: 100%; height: a=
uto; width: 58px;"></div> <!--<![endif]-->
</a></td>
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</table>
</td>
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<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"600" valign=3D"top" style=3D"width: 600px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16-footer st-d=
ynamic-gat4665wg60he" style=3D"text-align: left; font-family: Arial, Helvet=
ica, sans-serif; color: #646068; font-size: 14px; font-weight: normal; lett=
er-spacing: normal; line-height: 18px; padding-left: 30px; padding-right: 3=
0px; padding-top: 30px; width: 100%;">
<p style=3D"margin: 0px; text-align: left;"><span style=3D"font-size: 14px;=
line-height: 18px;">This email is confidential. So if you’ve receive=
d this instead of the person it was for, please delete it.</span></p>
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</table>
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<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"600" valign=3D"top" style=3D"width: 600px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16-footer st-d=
ynamic-kxr6pt043ickr" style=3D"text-align: left; font-family: Arial, Helvet=
ica, sans-serif; color: #646068; font-size: 14px; font-weight: normal; lett=
er-spacing: normal; line-height: 18px; padding: 30px 30px 18px; width: 100%=
;">
<p style=3D"margin: 0px; text-align: left;"><span style=3D"font-size: 14px;=
line-height: 18px;"><strong>Need some help=3F </strong><br><span style=3D"=
text-decoration: underline;"><a style=3D"color: #646068;" href=3D"https://t=
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RNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=3D25_2tug5L_J_K9jg67=
KZR6wYi1v2SLcYIzh-bO-r2tA" ><span style=3D"color: #5e10b1; text-decoration:=
underline;"><u>Cora, your digital assistant</u></span></a></span>, is read=
y to help 24/7 (we can’t receive replies to this email). Please note,=
not every service can be supported by Cora.</span></p>
<p style=3D"margin: 0px; text-align: left;"><span style=3D"font-size: 14px;=
line-height: 18px;"> </span></p>
<p style=3D"margin: 0px; text-align: center;"><span style=3D"font-size: 14p=
x; line-height: 18px;"><span style=3D"text-decoration: underline;"><a style=
=3D"color: #646068;" href=3D"https://t18.notifications.rbs.co.uk/r/=3Fid=3D=
ha7341b1c,a0394f51,8045a60d&e=3DY2lkPURNNjQzMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW4=
9MTA1MTYwODkxOA&s=3DWnW4p15AdBghV29WaBl_uGKKIdLAV6xJbYlyvol-U0M" ><span sty=
le=3D"color: #5e10b1; text-decoration: underline;"><u>How we keep you safe<=
/u></span></a></span>=E2=80=83|=E2=80=83<span style=3D"text-decoration: und=
erline;"><a style=3D"color: #646068;" href=3D"https://t18.notifications.rbs=
.co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a60e&e=3DY2lkPURNNjQzMzc3JmJpZD0tMT=
Q4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=3DtF27zxtu6zkUg1YhotxTyXvuCRxoYRWaHfw-FG=
fZHUc" ><span style=3D"color: #5e10b1; text-decoration: underline;"><u>Our =
privacy policy</u></span></a></span>=E2=80=83|=E2=80=83<span style=3D"text-=
decoration: underline;"><a style=3D"color: #646068;" href=3D"https://t18.no=
tifications.rbs.co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a60f&e=3DY2lkPURNNjQ=
zMzc3JmJpZD0tMTQ4OTc1NzQxMiZjaW49MTA1MTYwODkxOA&s=3DZ-vBNiivrJySlB90ecvk6nj=
2qbVelUVay6fLYeurJDo" ><span style=3D"color: #5e10b1; text-decoration: unde=
rline;"><u>Support Centre</u></span></a></span> </span></p>
</td>
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</table>
</td>
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</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
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0" align=3D"left" width=3D"100%" style=3D"width: 100%;">
<tr>
<td width=3D"218" valign=3D"top" style=3D"width: 218px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
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<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"0" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 0px; max-height: 0px; margin: 0px; font-size: 0px; line-height: 0px=
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</td>
<td width=3D"35" valign=3D"top" class=3D"mob-w36" style=3D"width: 35px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-60n5=
2i5uow5du" style=3D"width: 100%;"><a href=3D"https://t18.notifications.rbs.=
co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a610" target=3D"_blank" style=3D"dis=
play: block;" ><img border=3D"0" valign=3D"top" width=3D"35" src=3D"https:/=
/res18.notifications.natwest.com/res/img/ECBDA2BC0C8BA5A04549C45DD4595A3B.p=
ng" alt=3D"Facebook" title=3D"" class=3D"st-mobile-width-constraint" style=
=3D"border: 0px; display: block; width: 35px; max-width: 100%;"> </a></td>
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</td>
<td width=3D"95" valign=3D"top" class=3D"mob-w95" style=3D"width: 95px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-60n5=
2i5uow5du" style=3D"padding-left: 5px; padding-right: 5px; width: 100%;"><a=
href=3D"https://t18.notifications.rbs.co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8=
045a611" target=3D"_blank" style=3D"display: block;" ><img border=3D"0" val=
ign=3D"top" width=3D"35" src=3D"https://res18.notifications.natwest.com/res=
/img/8CAA10BFF959E5EC3805662CA663E13E.png" alt=3D"Instagram" title=3D"" cla=
ss=3D"st-hide-mobile st-mobile-width-constraint" style=3D"border: 0px; disp=
lay: block; width: 35px; max-width: 100%;"> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-60n52i5uow5du" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/8CAA10BFF959E5EC3805662CA663E13E.png" border=3D"0" wid=
th=3D"35" valign=3D"top" alt=3D"Instagram" title=3D"" class=3D"st-mobile-wi=
dth-constraint" style=3D"display: block; border-width: medium; border-style=
: none; border-color: currentcolor; border-image: initial; max-width: 100%;=
height: auto; width: 35px;"></div> <!--<![endif]-->
</a></td>
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<td width=3D"35" valign=3D"top" class=3D"mob-w36" style=3D"width: 35px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" class=3D"st-dynamic-60n5=
2i5uow5du" style=3D"width: 100%;"><a href=3D"https://t18.notifications.rbs.=
co.uk/r/=3Fid=3Dha7341b1c,a0394f51,8045a612" target=3D"_blank" style=3D"dis=
play: block;" ><img border=3D"0" valign=3D"top" width=3D"35" src=3D"https:/=
/res18.notifications.natwest.com/res/img/B42A6F384DABF654B93CEEFCAB74404E.p=
ng" alt=3D"TikTok" title=3D"" class=3D"st-hide-mobile st-mobile-width-const=
raint" style=3D"border: 0px; display: block; width: 35px; max-width: 100%;"=
> <!--[if !mso 12]><!-->
<div class=3D"show-img-mobile st-dynamic-60n52i5uow5du" style=3D"display: n=
one; width: 0px; overflow: hidden;"><img src=3D"https://res18.notifications=
.natwest.com/res/img/B42A6F384DABF654B93CEEFCAB74404E.png" border=3D"0" wid=
th=3D"35" valign=3D"top" alt=3D"TikTok" title=3D"" class=3D"st-mobile-width=
-constraint" style=3D"display: block; border-width: medium; border-style: n=
one; border-color: currentcolor; border-image: initial; max-width: 100%; he=
ight: auto; width: 35px;"></div> <!--<![endif]-->
</a></td>
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<td width=3D"217" valign=3D"top" style=3D"width: 217px;">
<table role=3D"presentation" width=3D"100%" cellspacing=3D"0" cellpadding=
=3D"0" border=3D"0">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"center" style=3D"width: 100%;">
<p height=3D"0" width=3D"100%" style=3D"mso-line-height-rule:exactly; mso-t=
able-lspace:0pt; mso-table-rspace:0pt; text-size-adjust:100%; width: 100%; =
height: 0px; max-height: 0px; margin: 0px; font-size: 0px; line-height: 0px=
">
</p>
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</td>
</tr>
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</td>
</tr>
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left">
<table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" border=3D"=
0" width=3D"600" class=3D"st-mso-full-width st-mobile-full-width" style=3D"=
width: 600px;">
<tr>
<td align=3D"center" valign=3D"top" width=3D"600">
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation">
<tr>
<td width=3D"100%" valign=3D"top" align=3D"left" class=3D"fz-16-footer st-d=
ynamic-65h1uv5qs3zp6" style=3D"text-align: left; font-family: Arial, Helvet=
ica, sans-serif; color: #646068; font-size: 14px; font-weight: 700; letter-=
spacing: normal; line-height: 18px; padding: 30px 30px 32px; width: 100%;">
<p style=3D"text-align: left; margin: 0px;"><span style=3D"font-size: 14px;=
line-height: 18px;">The Royal Bank of Scotland plc. Registered in Scotland=
No. SC083026.<span class=3D"st-hide-mobile" style=3D"display: inline;"><br=
></span>Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Financia=
l Services Firm Reference Number 114724.</span></p>
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px; line-height: 18px=
;"> </span></p>
<p style=3D"margin: 0px;"><span style=3D"font-size: 14px; line-height: 18px=
;">Authorised by the Prudential Regulation Authority and regulated by the F=
inancial Conduct Authority and the Prudential Regulation Authority.</span><=
/p>
</td>
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</tr>
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