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Important changes to
your account documents

Effective from 31 December 2012

As a result of the UK Financial Services Authority’s Retail Distribution Review, important changes are being made to your account and our services.

Our General Terms and Conditions, Fee Schedule and other client documentation have been revised to reflect these changes. We have also made additional changes to these as a result of other legal and regulatory developments and changes to our systems and processes.

The revised account documents all come into effect on 31 December 2012. It is important that you read these documents so you are aware of the changes we are making and what they mean for you. If there is anything about the changes that you do not understand or you want to discuss with us, we are here to help.

Contact your Relationship Manager
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