The discounted gift trust 4 About us When we refer to Quilter, we, us or our in this document we mean Quilter Life & Pensions Limited. We are part of Quilter plc, a leading wealth management business, helping to create prosperity for the generations of today and tomorrow. Quilter plc oversees £118.8 billion in customer investments (as at 31 December 2021). It has an adviser and customer offering spanning financial advice, investment platforms, multi-asset investment solutions and discretionary fund management. We enable financial advisers to deliver the very best service to customers and their families, to help them achieve their financial goals. We offer a comprehensive range of products and investments through our award- winning online investment platform. The value of advice We don’t sell or promote our products directly to customers. Instead we deal only through regulated financial advisers. We believe that decisions about your financial future are so important that you should always seek professional financial advice. We do all we can to make sure that the people who are advising about our products fully understand them and the benefits and risks that need to be considered. We also try to make our product information as clear as possible in order to ensure you have all the information you need to make an informed investment choice.