Effective date: 7 June 2023

Our fees for our investment accounts are as follows ("Fees Document");

Personal Pensions, ISAs, Junior ISAs & General Investment Accounts (GIA)

Subscription fee:

• £1 per month

Please note, if you have a Personal Pension, ISA, a GIA and a Junior ISA, you will pay £1 in total each month for all accounts.

Platform fee:

• 0.45% p.a.

Personal Pension Transfer fees:

Transfer in fee:

• Free

Transfer out fee:

• £30.00 per transfer out fee if you transfer out within 12 months of a transfer in.

Please note this fee will be deducted from your pension account at the time of making the transfer out payment.

Fund fees for all accounts:

• Range between 0.25% to 0.49% per year, depending on your choice of investments. The average fund fees are 0.42% and you'll won't pay more than 0.49% for fund fees. The fee of each fund available on our platform can be found in the fund's Key Investor Information Document (KIID).

How and when do we collect our platform fees?

We collect our fees from each of your accounts on the 10th of each month or the next working day.

The amount we collect for the platform fee is calculated using the value of the account on each day of the previous month. For example, for an account with a 0.45% platform fee, we take 1/365th of 0.45% and apply it to the value in the account at the end of each day and add those all up to give a monthly total.

We collect both fees from any uninvested cash in your accounts. If there is not enough cash to cover fees, we will sell down enough of your highest-value fund in each account to cover the fee.

How do we collect our subscription fees?

The £1 monthly subscription fee for Personal Pensions, ISAs, GIAs and JISAs is collected from uninvested cash in the first ISA or GIA you opened with us.

The subscription fee applies at the end of each month and will be collected on the 10th of the following month (or next working day) or from the closing balance if you are closing the account. Part months will still be charged £1.