Online ISA

Apply and manage your account online 24/7

Flexibility to split your savings across Easy Access and Fixed Rate products.

Save with a Bank in existence for over 200 years.

The Online ISA is provided by OneFamily. Savings in this Online ISA are deposited with Bank of Ireland UK.

Why choose an Online ISA?

Split your cash ISA savings across variable and fixed rate products within your Online ISA.

Save from £100 for Easy Access and from £500 for the Fixed Rates.^†

Easy Access

4.10%

After 12 months this drops to 1.35% tax-free/AER variable.

Fixed Rate – 1 year

4.00%

Fixed Rate – 2 years

3.65%

A Fixed Rate product will not allow access to your money until your fixed term ends. If you do need access to your money during the fixed term, you will need to close it. If you do this, you may have to pay a Breakage Charge.

^† For the Fixed Rates you open with a single deposit. You can’t make any additional deposits into a Fixed Rate product however you will be able to open multiple Fixed rate products.

Is an Online ISA right for me?

This product may be right for you if:

You’d like interest on your savings to be tax-free.
You want the option to transfer in from existing ISAs. Always check with your current provider whether they charge a fee.
You want the flexibility to split your savings across Easy Access and Fixed Rate products
within one Online ISA.
You’re over 18 and a UK resident.

This product may not be right for you if:

You want to save more than your annual ISA allowance.
You don’t want to manage your ISA online.
You want to make further deposits into a Fixed Rate product. However, you can have multiple Fixed Rate products within your Online ISA.
You’re under 18 and not a UK resident.

Summary Box

Product Name: Online ISA

What is the interest rate?

Easy Access

Issue 32

	Easy Access
Interest rate with bonus	4.10% tax-free/AER* variable (includes a fixed bonus of 2.75% for the first 12 months)
Interest rate without bonus	1.35% tax-free/AER* variable

Annual interest, calculated daily, will be paid March 20^th each year.

**AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to your account each year.

Fixed Rate

Issue 26

	Fixed Rate
	1 Year Term	2 Year Term
Interest rate	4.00% tax-free/AER* Fixed	3.65% tax-free/AER* Fixed

Annual interest, calculated daily, will be paid on the anniversary of product opening.

Holding Account

	Holding Account
Interest rate	1.55% tax-free/ AER* variable

Annual interest, calculated daily, will be paid March 20^th each year.

Can Bank of Ireland UK change the interest rate?

Easy Access

Yes. We have the right to change the interest rate on your account. The reasons we may change your rate are outlined in the Interest Rates section of the Terms and Conditions.

If we change your interest rate to your disadvantage, we will notify you personally a minimum of 14-days before the change takes effect, as long as you have at least £100 in your account.

Fixed Rate

No, the interest rate is fixed during the term of the account.

At the end of the fixed term the balance along with any interest earned, will be paid into the Holding Account of the Online ISA, where it will earn a variable rate of interest.

What would the estimated balance be based on a £1,000 deposit?

Easy Access

	Easy Access
After 12 months	£1,041.00
After 24 months	£1,055.05

Fixed Rate

	Fixed Rate
	1 Year Term	2 Year Term
After 12 months	£1,040.00	N/A
After 24 months	N/A	£1,074.33

Holding Account

	Holding Account
After 12 months	£1,015.50
After 24 months	N/A

These examples are based on a £1,000 deposit with no further deposits or withdrawals made during the months of the projection. This is an example only and does not reflect a customer’s own circumstances.

How do I open and manage my account?

Eligibility

You can open an Online ISA if you’re over the age of 18, a UK resident and resident in the UK for tax purposes. This doesn’t include the Channel Islands and the Isle of Man.
You can open an Online ISA as a new cash ISA for this tax year (6 April to 5 April), or transfer funds in from an existing ISA.
To apply for the Online ISA you have to hold a UK bank or building society account in your name.
If you already hold an Online ISA with us, you will not be able to open another one.

Opening your account

The Online ISA allows you to split your cash ISA savings into a selection of variable and fixed rate products, all held within your online account.
On opening an Online ISA, you will automatically have a Holding Account opened for you. You can also choose the Holding Account to make your initial deposit or transfer in from another ISA you hold when opening your Online ISA.
Please note, before making any decision to transfer to us, you should check if your current provider will charge a fee.
Minimum balance to open the account is £100 for the Holding Account and Easy Access and £500 for the Fixed Rate product.
You can open an Easy Access or Fixed Rate product with either a deposit, transfer in of another ISA you hold or with a money movement from another product in your Online ISA (if permitted).
Fixed Rate products can be opened with a single deposit only and once opened, you will not be able to make further deposits, transfers in or money movements.
You can only apply online.

Managing your account

You can only manage your account online. You cannot access your Online ISA by telephone or by visiting a branch.
Once your Online ISA is open you’ll be able to take out new products (when available) and move money between existing products already held in your account (if permitted), without completing further applications.
Once you’ve logged into your account, you can move money between and/or make additional deposits or ISA transfers into existing products (if permitted) and request withdrawals.
You will also be able to contact us by sending ‘secure messages.’

Can I withdraw my money?

Easy Access and Holding account

There are no restrictions on the number of withdrawals that can be made to your nominated account. Any payment sent to your Nominated Account will no longer benefit from the tax advantages of ISAs.
The minimum amount you can withdraw from any product is £10, or the remaining balance whichever is less.
Money can also be moved without restriction to another product in your Online ISA that accepts money movements (minimum amount £1).

Fixed Rates

Withdrawals and money movements are not allowed during the fixed rate term.
If you close a Fixed Rate product during its fixed term, a Breakage Charge will be applied. The Breakage Charge will equal 90 days loss of interest for a fixed rate term of 1 year or shorter, 180 days loss of interest for a fixed rate term longer than 1 year but shorter than 5 years; or, 365 days loss of interest for a fixed rate term of 5 years or longer.
If the interest you’ve earned doesn’t cover this, you may get back less than you paid in.
If you need to close this product during its fixed term, you can request to have the money paid to your Nominated Account or to the Holding Account.
After the end of the fixed rate term the value of the Fixed Rate, along with any interest earned, will be paid into the Holding Account.
If you already hold an Online ISA and open a Fixed Rate product, you can request to close the product within 14 days and we will waive the Breakage Charge. Please see the ‘Making withdrawals, closing products and closing your Online ISA’ section in the Terms and Conditions for more information. If you need to access your money during the Fixed Rate term a breakage charge will apply.

The Online ISA does not have flexible features. This means that once withdrawn to your Nominated Account, your money will lose the tax advantages of ISAs and cannot be replaced in your account without affecting your annual ISA allowance.

Transfers:

Partial transfers are not permitted, and you will not be able to transfer individual products held in your Online ISA. You can, however, transfer your Online ISA in full to another ISA at any time. If you transfer your Online ISA and you have money in a Fixed Rate product which is in its fixed term, a Breakage Charge will be applied to that product.

Cancellation:

You cannot cancel individual products in your Online ISA. However, you can cancel your entire Online ISA within 14 days from the date your account opened.

If you do this, your Online ISA and any products in your account will be closed.

Additional Information

The Holding Account may pay a lower rate of interest than other variable or fixed rate products you can hold within your Online ISA. As such, it should be considered as a short term home for your cash ISA savings. If you are using the Holding Account to consolidate or split your cash ISA savings before opening a specific product, there is a risk that the product or rate of interest you wanted will no longer be available by the time any funds are received.

Important Documents

Summary Box

Online ISA Key Information

ISA Interest rates no longer available to new customers

How to apply

It’s as easy as 1,2,3

Step 1

Check your eligibility

To apply for the Online ISA you have to:

be aged 18 or over and be a UK resident for tax purposes
not already hold an Online ISA with us
hold a UK bank or building society account in your name

Please note – You can only have one Online ISA, any additional products you open will form part of your existing Online ISA.

Step 2

Read the Key Information

Read the Key Information Pack which includes the Key Features, Terms and Conditions and a summary of the Bank of Ireland Privacy Policy for our Online ISA, to make sure you are satisfied this account is right for you.

Step 3

Apply

Your application should take about 10 – 15 minutes to complete.

For your security, your online application will time out after 15 minutes if left inactive (activity is moving through pages).

Apply online

Manage your ISA

What can you do online?

Move money between the products in your Online ISA or open new products

Request withdrawals, if you need to access your money in a Fixed Rate product a Breakage Charge will apply. More details can be found in the Summary box.

Make additional deposits to your Holding Account and Easy Access products.

Transfer in ISAs from existing providers, before transferring your existing ISA to us, you should check if your current provider will charge a fee.

Check your balance, statements, and remaining annual allowance.

FSCS Protected

Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Bank of Ireland UK and Post Office. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk

FAQ’s

What is an ISA?

ISA stands for Individual Savings Account. ISAs were introduced by the Government to give people a tax-efficient (exempt from UK Income Tax and Capital Gains Tax) way to save for the future. There are different types of ISAs, to see the complete list, please visit www.gov.uk/individual-savings-accounts/overview. The Online ISA is a cash ISA.

How much can I pay into my Online ISA?

The annual ISA limit for the 2024/25 (6 April to 5 April) tax year is £20,000. You can invest up to your annual ISA limit set each tax year subject to savings you have in other ISAs.

For example, if you have half of this years’ limit in a cash ISA with one provider, you can put the other half into a stocks and shares ISA with the same or another ISA provider.

Do I pay tax on my savings in my Online ISA?

The interest you earn in an ISA is tax-free. This means that the interest paid to you will be free of UK Income Tax and Capital Gains Tax.

How does the Online ISA work?

You can only manage your Online ISA online. Once your account is open you can either:

Put all your money in a Easy Access or Fixed Rate product within the Online ISA
Split your savings across multiple Easy Access and/or Fixed Rates

When your ISA is open and you have logged in, you’ll be able to:

Make more deposits (if allowed)
Transfer in other Cash and Stocks and Shares ISAs
Open new Easy Access and Fixed Rate products
Move money between products
View your personal details
View and create statements
View important ISA documents

You’ll be able to change your home address, email address or phone number yourself. If you want to change any other personal details you’ll need to send us a secure message.

What does the Holding Account do?

Each Online ISA comes with a Holding Account. This is a temporary home for your money while you decide what to do next, because of this the interest rate will be lower than you could earn in other Fixed Rate or Easy Access products. Your savings will be moved to your Holding Account when your Easy Access or Fixed Rates are closed, such as at the end of a fixed term if you have a Fixed Rate.

You can use the Holding Account for:

Combining your funds before you pay into a Easy Access or Fixed Rate product.
Splitting your funds across a number of Easy Access or Fixed Rates within your ISA.

Combining your funds

If you have a number of ISAs with different providers, you could move all your funds into your Holding Account. This then gives you a single, larger sum to use as a single deposit.

Splitting your funds

You can pay a lump sum into your Holding Account. You can then deposit these funds across Easy Access or Fixed Rates.

For example, if you had £20,000 you could split this to suit your needs, such as paying:

£5,000 into Easy Access
£5,000 into 1 Year Fixed Rate
£10,000 into 2 Year Fixed Rate

Please note, the Easy Access and Fixed Rates and their rates of interest on offer can be changed or withdrawn at any time. If you are using the Holding Account to combine or split your savings before opening an Easy Access or Fixed Rate product, there is a risk the Easy Access and Fixed Rate or rate of interest you wanted will no longer be available by the time any funds are received.

What is a Nominated Account and why is it needed?

When applying for the Online ISA, you will need to setup a Nominated Account. This is usually your current account. If you make a withdrawal or close your ISA, your money will be sent to this account. This account must be a personal bank or building society account in your name. It can be a sole or joint account.

We will try to electronically verify this account. If we are not able to, we will ask you to send us more information by post, e.g. a bank statement. We can only pay funds out to a Nominated Account that has been verified. If your account has not been verified it could delay funds being sent to you.

The Nominated Account can be changed at any time by logging in and sending us a secure message.

How is interest paid?

Easy Access (including Holding Account)

Interest is calculated daily and will be paid on the 20th March each year.

Fixed Rate

Interest is calculated daily and will be added to the Fixed Rate on the anniversary of the start date each year and on the date the fixed term ends. At the end of the fixed term the full value of the Fixed Rate, including interest will be paid into the Holding Account.

Please note, more information on this can be found in the Summary Box.

Are there any fees or charges?

We do not charge for any of our standard services. This is outlined in our Online ISA T&C’s.

A Breakage Charge may be applied for early closure of a Fixed Rate product. Early closure includes closing a Fixed Rate product during its fixed term and transferring or closing your Online ISA while you have funds in a Fixed Rate product. Early closure does not include closure within the first 14 days of opening if you change your mind.

If a Breakage Charge is applied, it will be paid from any interest earned. If there is not enough interest to cover the Breakage Charge, it will be taken from the balance of the Fixed Rate product. This means you will get back less than you paid in.

Details of the Breakage Charge can be found in the Summary Box. The Breakage Charge equals 90 or 180 days’ loss of interest, depending on the length of the fixed term. The Breakage Charge will be worked out on a 365-day year.

Charges may change in the future. For more details about this, please see summary box.

How are savings in my Online ISA protected?

Details of how your savings are protected can be found in The Deposit Information Sheet which contains:

Information on how savings within the ISA are protected
Details of how your money is protected with Bank of Ireland UK, the ‘ISA deposit taker’

OneFamily hold initial Cheque and Debit Card payments in an account held with NatWest, and then transfer the money to Bank of Ireland UK. This is also what happens with a transfer cheque from another ISA provider.

Please note during this period any money you hold in other accounts with NatWest will count towards compensation limits.

You can find out more about how your money is protected when it’s held in a bank or building society account by going to the Financial Services Compensation Scheme (FSCS) website at www.fscs.org.uk

Who are OneFamily?

OneFamily is the ISA Manager for the Online ISA. They manage and service the ISA on our behalf.

One Family is a trading name of Family Assurance Friendly Society Limited, of which Family Equity Plan Limited is a subsidiary. Family Equity Plan Limited is authorised and regulated by the Financial Conduct Authority. The registered address of OneFamily is 16-17 West Street, Brighton, BN1 2RL, United Kingdom.

Money paid into the Online ISA is deposited with Bank of Ireland UK.

How do I make a complaint?

If you need to make a complaint, please contact us and we will do everything we can to resolve your complaint as quickly as possible, but please allow up to 5 working days for a reply.

When we first contact you, we will send you a summary of the procedures that we will follow when resolving your complaint. A copy of these procedures is also available on request.

You can contact us by logging into your account online and sending us a secure message, or you can write to us at:

Bank of Ireland UK Savings
PO Box 5417
Brighton BN50 8HP
Call us on 0333 2205069

*Lines are open 9am to 7pm weekdays and 9am to 1pm Saturdays. Calls may be monitored and recorded for training purposes. Calls to 03 numbers cost the same as calling 01 and 02 numbers and count towards inclusive allowances on landlines and on mobiles. The actual cost will depend on your provider’s tariff. For more information please contact your provider.

Financial Ombudsman Service
Exchange Tower
London, E14 9SR.
Call us on 0300 123 9123

Email – complaint.info@financial-ombudsman.org.uk

Website – www.financial-ombudsman.org.uk

What happens if my Online ISA was previously an AA ISA?

If your AA ISA was still open on 5^th November 2024, it’s now been rebranded to a Bank of Ireland UK Online ISA. Your account number has not changed and you can still use your existing username and password to login. For more information you can use the Login button above to log into your account and see the secure messages sent to you about the rebrand.

How do I log in to my Online ISA?

To log in to your Online ISA you will need your username and password that you chose when opening your account. You will be asked to confirm some information from your memorable questions.

You can reset your username and password on the login page. If you need help, please call 0333 2205069*.

*Lines are open 9am-7pm weekdays and 9am-1pm on Saturdays. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

What do I do if I can’t remember my login details?

If you can’t remember your username, please select the ‘I have forgotten my username’ option on the log in page. If you can’t remember your password, please select the “I have forgotten my password” option.

If you need any help, please call us on 0333 2205069*.

*Lines are open 9am-7pm weekdays and 9am-1pm on Saturdays. Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

How do I change my address or personal details?

You can change your email address, home address or phone number by logging in to your Online ISA and then visiting the ‘Personal Details’ page.

For a change of name or date of birth you will need to provide us with certified proof. Please see the How do I certify my documents? FAQ for more information on what we’ll need to see.

Once certified, please send your documents to us at:

Bank of Ireland UK Savings, PO Box 5417, Brighton BN50 8HP

How do I change my Nominated Account details?

To change your Nominated Account, log in to your Online ISA and send the new details by secure message.

Please send us a secure message with your new sort code, account number and account name. Any time we receive new Nominated Account details these will be verified electronically. More details can be found in our Privacy Notice.

Please be aware that if we cannot verify your Nominated Account electronically, we’ll ask you to provide further supporting information (e.g. a current bank statement) before we can update your details and before we can process any withdrawal or account closure.

We’ll always send a confirmation message when your account details have been updated.

Why do I need to provide proof of my identity?

Proof of identity is required for fraud prevention purposes and to help comply with anti-money laundering laws. If proof of identity is requested and you don’t provide it, your account activity may be limited. This could impact deposits, withdrawals, transfers, or account closure requests. Further information can be found in the Online ISA terms and conditions in section 3 – Proof of identity.

How do I certify my documents?

We can only accept photocopies of documents where each page has been certified. This means that the photocopy itself needs to be certified in original ink.

Any documents that are not correctly certified will be returned. Please do not send original documents as we are unable to guarantee their safe return.

Please send the required information to:

Bank of Ireland UK Savings

PO Box 5417

Brighton

BN50 8HP

You nor a relative can certify your own documents. However, the following people can:

Accountant
Barrister or Solicitor
Bank or Building Society Official
Commissioner of Oaths/Notary Public
Justice of the Peace
FCA registered broker/introducer
Post Office Official (UK only)
Attorney

The certifier must:

Write on each photocopy, ‘I certify this is a true copy’
State their profession
Print their name, address, and phone number (staff number/authorised signatory if required)
Sign and date the photocopy

Acceptable proof of identity and address:

Current electricity bill (dated within the last three months)
Current gas bill (dated within the last three months)
Current landline telephone bill (dated within the last three months)
Current water/sewerage bill (dated within the last three months)
Current full old-style UK driving licence (non-photo card type driving licence)⁺
Current UK/EU photo card driving licence⁺
Correspondence from the DWP/benefits agency (dated within the last six months)
Bank/building society/mortgage/credit union or credit card statement (dated within the last three months) ⁺⁺
Local authority correspondence valid for the current year, eg rates/council tax (dated within the last 12 months)
HM Revenue & Customs/Revenue Commissioners correspondence, eg tax coding notice (dated within the last 3 months). Note P60 and P45 are not acceptable.

⁺ These items may be used to evidence identity or address, but not both.

⁺⁺ This item may be used to evidence address and nominated bank accounts.

What happens when my fixed term ends?

We will notify you 14 days prior to the end of your fixed term.

Any funds plus interest earned will move into your Holding Account at the end of your fixed term.

You can then choose to leave the money in your Holding Account, move your funds to one or multiple Easy Access or Fixed Rates within your ISA, withdraw your funds or transfer them to another ISA.

Now’s a good time to review your savings accounts, there may be better rates available to you. You should take the time to think about whether a fixed or variable rate product is right for you.

What happens when my fixed bonus ends?

If your Easy Access includes a fixed bonus, it will be paid as detailed in the summary box provided to you. We’ll let you know 14-days before your fixed bonus comes to an end. Once the fixed bonus has ended, your Easy Access will only earn the variable rate of interest.

Now’s a good time to review your savings accounts, there may be better rates available to you. You should take the time to think about whether a fixed or variable rate product is right for you.

How do I make additional deposits to my Online ISA?

You can add money to your Online ISA by debit card or cheque (if allowed).

The minimum deposit amount can be found in the Summary Box.

You can see your remaining ISA allowance on the ISA summary screen when you log in.

Can I make a withdrawal from an Easy Access or Fixed Rate product in my Online ISA?

Easy Access

If you have an Easy Access product you can withdraw funds at any time by accessing your account online. Select the Easy Access product you wish to make the withdrawal from on your ‘ISA Summary’ screen or the “Withdrawals and closures” area of your account.

This ISA does not have flexible features. This means once you withdraw money it will lose the tax advantages of ISAs and the money cannot be replaced within this ISA without affecting your annual ISA allowance.

There are no limits on the number of withdrawals you can make from your Easy Access product or the Holding Account.

Fixed Rate

Withdrawals from a Fixed Rate product are not permitted. If you need access to your money during the fixed term, you will need to close it. If you do this you may have to pay a Breakage Charge. If the interest you have earned does not cover this, you will get back less than you put in. Please note, the Breakage Charge will not be applied if you close your Fixed Rate product within 14 days of opening.

Can I transfer my Online ISA?

Yes. You can transfer your Online ISA in full to another ISA at any time. Partial transfers are not allowed. If you are transferring to another ISA provider, you will need to contact your chosen provider to arrange the transfer. Details of this can be found in the Summary Box above.

Can I transfer funds from another ISA provider to the Online ISA?

If you already have an ISA with another provider, you can transfer your savings into your Online ISA. Transferring funds from a previous tax year’s ISA will not affect your ISA limit for this tax year.

You can choose whether to use the transfer to pay into an existing Easy Access, open a new Fixed Rate or put into the Holding Account. Once the funds are in the Holding Account you can split it up across Easy Access and Fixed Rate products.

Before you decide to transfer your existing ISA to us you should check if your current provider will charge a fee.

Can I transfer funds from another Bank of Ireland UK savings account to the ISA?

No. You can move your funds from your Bank of Ireland UK savings account into your current account and then use a debit card or cheque to pay into your Online ISA.

Can I transfer my innovative finance or Lifetime ISA to the Online ISA?

No, currently we’re not able to accept transfers from innovative finance ISAs or Lifetime ISAs.

If I change my mind, can I cancel my Online ISA?

You have 14 days to cancel your Online ISA from when you open it. You can tell us you wish to cancel your Online ISA by logging in and sending a secure message.

What happens when you cancel:

Your Online ISA, and any products you’ve opened within it, will be closed.
You will receive a full refund of any deposits made, plus interest (tax-free).

Any returned deposits will not be regarded as having been paid into the Online ISA, and so will not count towards your ISA allowance for the current tax year.

Can I cancel an individual Easy Access or Fixed Rate product in my Online ISA?

You cannot cancel individual products you’ve opened within your Online ISA. This means that, unless you cancel your entire Online ISA within the 14-day cancellation period, any deposits you’ve made into your product(s) will count towards your annual ISA allowance.

You can close any product at any time by logging into your account. When closing a product there are some considerations to think about:

money paid out of your ISA and to your Nominated Account will lose any tax benefits and cannot be replaced within your ISA without it affecting your ISA allowance.
money paid into your holding account within your ISA will keep its tax benefits.

When closing a Fixed Rate product there may be a breakage charge – please refer to the summary box for more information. If you close a Fixed Rate product within first 14 days of opening, no charge will be applied.

How do I close my Online ISA?

To close your Online ISA please select ‘Close ISA’ from the ‘Withdrawals and Closures’ menu bar. Once closed your money will no longer benefit from the tax advantages of ISAs.

If your ISA contains a Fixed Rate product you may have to pay a breakage charge. Details of this can be found in the Summary Box. This will also be confirmed before you complete your closure request.

If you have not yet verified your Nominated Account details you will need to provide proof of your Nominated Account before we can proceed with your Online ISA closure. This means we’ll need you to send us a photocopy of one of the following from your bank, dated within the last three months, showing your name, the bank sort code and your account number:

A statement
An online statement
A letter from your bank

Finally, please write your Online ISA number on the back and post it to us at:

Bank of Ireland UK Savings

PO Box 5417

Brighton

BN50 8HP

About our Online ISA

Bank of Ireland UK Cash ISA are provided by OneFamily. Savings in cash ISAs are deposited with Bank of Ireland UK.

OneFamily is a trading name of Family Assurance Friendly Society Limited (incorporated under the Friendly Societies Act 1992, Reg. No. 939F), of which Family Equity Plan Limited (Co. No. 2208249) is a subsidiary. Financial Services Register numbers 110067 and 122351 respectively.Registered in England and Wales at 16-17 West Street, Brighton, BN1 2RL, United Kingdom. Family Assurance Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Family Equity Plan Limited is authorised and regulated by the Financial Conduct Authority.