Full details of the Collective Investment Bond are available from your financial adviser. The value of the Collective Investment Bond may go down as well as up and your beneficiaries may not get back what you put in. You should consult your financial and tax advisers before making a decision to invest via any trust or to make any encashments to ensure that it meets your personal investment needs. Quilter Life & Pensions Limited cannot provide such advice. This document is based on the law and regulations of HM Revenue & Customs as at April 2022. These may change in the future which could affect the operation and tax efficiency of this trust. The tax efficiency of these options (products) will depend on the individual circumstances of each customer. Tax rules and their application may change in the future. If you are subject to tax in any country outside of the UK, you should contact your financial adviser or tax specialist in the country concerned to understand whether you will be liable for tax in that country as well, as a result of receiving benefits from this plan. platform.quilter.com Please be aware that calls and electronic communications may be recorded for monitoring, regulatory and training purposes and records are available for at least five years. Quilter is the trading name of Quilter Investment Platform Limited which provides an Individual Savings Account (ISA), Junior ISA ( JISA) and Collective Investment Account (CIA) and Quilter Life & Pensions Limited which provides a Collective Retirement Account (CRA) and Collective Investment Bond (CIB). Quilter Investment Platform Limited and Quilter Life & Pensions Limited are registered in England and Wales under numbers 1680071 and 4163431 respectively. Registered Office at Senator House, 85 Queen Victoria Street, London, EC4V 4AB, United Kingdom. Quilter Investment Platform Limited is authorised and regulated by the Financial Conduct Authority. Quilter Life & Pensions Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their Financial Services register numbers are 165359 and 207977 respectively. VAT number 386 1301 59. QIP 8779/19/739/April 2022