3. www.paycare.org 3
WELCOME TO
PAYCARE
As an individual, your
health and wellbeing is
paramount in ensuring
you live the life you
want, and that you
live it to the full.
And, we’re firm believers that prevention
is far better than cure. Which is why
we’ve made it our absolute mission
to help individuals – young, old and
everyone in-between – to care for
their bodies, and minds, to help ensure
you enjoy the best possible health
(physically, mentally, and financially).
As a not-for-profit organisation and one
of the UK’s most respected health cover
providers, our passion lies in ensuring
that individuals across the whole of the
UK benefit from optimum health and
wellbeing. And, we do this by dedicating
ourselves to protecting individuals, their
loved ones, and their businesses against
everyday routine healthcare costs, as
well as ensuring that they’re properly
safeguarded against the unexpected
costs of injury, accident, or illness.
Safeguarding you from injury, accident or illness.
4. www.paycare.org4
We are immensely proud of our 140
year history which has seen us ensure
that individuals, their loved ones, and
their businesses, benefit from a healthy
body and mind. Founded in 1874 by the
foremen of some of Wolverhampton’s
largest factories, in a bid to protect
their employees from crippling medical
bills, Paycare has since grown to
become one of the most respected
health cover providers in the UK.
And, it isn’t just our much valued
policyholders who benefit from our
unrivalled commitment and dedication.
As a not-for-profit organisation, we have
been reinvesting funds back into the
community for over a century and a half
and are proud to have helped literally
thousands of medical and healthcare-
related causes continue to carry out
their fantastic work. This tradition
of supporting those in need lives on
today, and to date we have donated
over two million pounds to charities
and initiatives across the country.
OUR
BACKGROUND
“We are immensely proud
of our 140 year history”
As a not-for-profit
organisation, we’re
committed to 3 things:
our policyholders, the
communities we serve
and our fantastic
team at Paycare
5. www.paycare.org 5
OUR CHARITABLE
DONATIONS
As a not-for-profit
company, we are
committed to investing
all of the monies we
raise back into making
our policies the very
best they can be for
you, our policyholders.
And, every other penny is donated to
charitable causes UK-wide, offering vital
support to those who need it most..
We’re proud to have donated more than
£2million to charity to date and, thanks to
our valued policyholders, we’re determined
to continue to make a real difference.
6. www.paycare.org6
This is why we have pledged our support
to a number of organisations, across
a diverse range of sectors including
education and sport. These charities,
not-for-profits and organisations not
only share many of our core values, but
they are also dedicated to bringing very
tangible benefits to our community.
Just some of our ongoing support includes
sponsorship of the Community Trust
Accessible Lounge at Wolverhampton
Wanderers FC, sponsorship of the Faculty
of Engineering & Biosciences Award at
Wolverhampton University, Founding
Sponsors of The Way - Youth Zone, and a
variety of sports teams and clubs, including
Wednesfield Ladies FC, the LGBT Black
Country Fusion Football Club in conjunction
with Football vs. Homophobia, and the
fantastic Penn Cricket Club. We are also
proud to be Wolverhampton Wanderers
FC’s official Health & Wellbeing Partner.
OUR
SPONSORSHIPS
We are hugely
passionate about
our West Midlands’
roots and about
supporting the
fantastic organisations
across the region.
7. www.paycare.org 7
OUR VITAL
STATISTICS
• Our corporate customers stay with
us on for an average of 12 years
• Average time an Individual Policyholder
has been with us is 22 years!
• With an average 99% staff
attendance, we’re proud to achieve
some of the highest employee
retention figures within the industry
Over
99%
Customer
Satisfaction
Score for 2015
We paid over
80%
of income
received back to
our policyholders
in claim payments
during 2015
97%
of all valid claims paid
87%
of claims processed within 48 hours
We have to date donated over
£2,000,000to charitable causes UK-wide
8. www.paycare.org8
Kevin Rogers ACMA CGMA | Chief Executive
A qualified accountant and Member of the Chartered Institute of Management Accountants,
Kevin joined Paycare as Operations Director in 2009 following a successful career at Tarmac
in Wolverhampton, as well as holding senior finance positions across the manufacturing sector,
and he was appointed Chief Executive of Paycare in 2013. Kevin is a lifelong Wolves fan.
Anthony Burns | Head of Sales and Marketing
A true ‘people person’, Anthony leads, inspires and motivates the sales
and marketing departments to ensure that they not only achieve Paycare’s
commercial aims, but that the organisation is promoted to the right
people, in the right way, and always congruent with its values.
Saranjit Nagra | Compliance Manager
Saranjit keeps the wheels turning at Paycare and ensures that the compliance side of the
business runs as smoothly as possible, a role which sees her undertake internal reviews
and audits to ensure that procedures and processes are followed to a ‘T’.
Janet | Sponsorship Liaison Officer
Our Sponsorship Liaison Support lead, Janet ensures that our partnerships, donations
and sponsorships provide the best opportunities for the various charities, initiatives and
projects that we support. From Wednesfield Ladies FC and Bilston FC, through to Libra
Lee netball club, Staffordshire Wolves cricket club, and Black Country Fusion, the first
LGBT inclusive football team in the West Midlands to play mainstream Sunday league.
Clare Jarvis | Operations Manager
Clare manages the claims, customer service, and policy admin teams at
Paycare, to ensure that people are at the heart of everything we do.
Kay Wilkinson | Finance Manager
A qualified accountant & Member of Chartered Institute of Chartered
Accountants, Kay leads the Finance team and ensures all statutory and
regulatory accounting requirements are met and complied with, she prepares
the Organisations budgets and forecasts and manages the investments.
Bonnie | Business Analyst
A complete whizz with numbers and facts, Bonnie is our Business Analyst and she
interrogates our internal data, produces comprehensive reports and trends, and solves
problems to identify how we do things at Paycare, and how we can do them even better.
George | Business Retentions Coordinator
George is our Business Retentions Coordinator and his duties are wide and varied. Dealing
first-hand with queries from policyholders and corporate groups and ensuring that our
customers have a good experience whilst with us. George also handles many areas of our internal
reporting including the creation of hugely valuable retention reports to monitor our successes.
9. www.paycare.org 9
Anne, Danielle, Alison and Cheryl help to keep our
policyholders’ information up-to-date, making any
changes to policies as requested, and ensuring help is
provided where needed, our Policy Admin team provides
everything our policyholders need whilst with Paycare.
Kali, Eileen, Julie and Jas are our lovely customer
service team,the first point of contact at Paycare.
On-hand ready to answer any queries or questions you
may have, or promptly direct you to the right person
and department should you need additional support.
Denise, Blahar, Ben and Heather make up our claims
team. Working hard to process all claims we receive
here at Paycare to ensure that our policyholders
get their money back for everyday health costs.
In fact, 87% of claims are processed within 48
hours thanks to them and the finance team!
Karen and Ana, our finance team work closely with all
departments to ensure our customers are supported with
all of their financial transactions. They prepare monthly
accounts for management whilst ensuring everyday
banking requirements are in-check and reconciled.
Emily and Nicola are both Corporate Account Managers at Paycare
and look after all of our corporate accounts to ensure that our
policyholders get the most from their employer-paid and
employee-paid policies, including the ways in which they can incentivise
and reward staff to ensure happy and productive teams.
Lauren, working with Nicola and Emily as Business
Development Coordinator, Lauren helps us achieve
the department’s and Paycare’s short, mid and
long-term objectives and is always a fountain of ideas.
10. www.paycare.org10
OUR
POLICYHOLDERS
We work hard to
get to know each
policyholder and
identify how
we can make a
real difference
to their lives.
Optical
Dental
Chiropody
Health
Screening
Reflexology
Our personal and flexible approach means
that every health cash plan solution is
designed specifically to suit the needs of
our customers, ensuring that the health
and wellbeing of our policyholders is
protected over and above anything else.
Our dedicated team is passionate
about ensuring they deliver the very
best service to those who matter most
to us… you, our valued policyholders.
11. *up to a specified annual limit
www.paycare.org 11
Personal
Accident
Cover
Osteopathy
Hospital
Day Case
WHAT IS A
CASH PLAN?
A simple and effective
way to claim back what
you spend on everyday
healthcare treatments.
What makes a cash plan *so* beneficial
is that, whilst an insurance policy pays
out only in an emergency, a cash plan will
pay you back for most of the everyday
healthcare treatments you receive*. Wow!
So, whether you’re in need of a routine
dental or optical check-up, or one or more
of a range of professional therapies such as
chiropractic, osteopathy or physiotherapy,
exploratory health screenings, or even
specialist consultations – we’ll give you your
money back*. From as little as just a few
pounds every month, you can reap the
benefits of receiving hundreds of pounds
of healthcare treatments – providing you
with the ultimate assurance and peace of
mind that your health and wellbeing needs
are being met, each and every day.
For more information on health and well-being within
your business take a look at our blog:
www.paycare.org/blog
From routine
check-ups to specialist
consultations
*up to a specified annual limit and subject to meeting the terms of the plan
12. www.paycare.org12
The ultimate way to
look after and reward
your staff, ensuring
high levels of morale.
Our dedicated Employer Paid plan
provides your employees with the
opportunity to claim 100% cashback
on everyday healthcare treatments*,
helping to reduce absenteeism, boost
productivity, and attract new talent.
• Focused purely on your
team’s health and wellbeing
• A flexible plan with the option of
additional free health benefits
• Dedicated HR, marketing and
administration support
24 hour GP
telephone
consultation
service
PAYCARE ADDITIONS
(EMPLOYER PAID)
Included as standard in both our
employer and employee paid policies:
Employee Assistance Programme
Initial telephone consultation with up to 6
face to face counselling sessions if required
24 hour GP telephone
consultation service
Free cover for dependent
children under 18 years old*
Option to add additional
family members
*Dependent children living at the same
address & not in paid employment
*up to a specified annual limit and subject to meeting the terms of the plan
13. www.paycare.org 13
Personal Accident Cover (Under 70’s only) Up to £10,000
Inoculation/Vaccination
100% of cost up to a
yearly total of £50
Wellbeing/Alternative Therapies
100% of cost up to a
yearly total of £50
What your employees can claim
1
Level
2
Level
3
Level
4
Level
5
Level
Employee - Weekly premium £1.05 £2.10 £3.15 £4.20 £5.25
Employee - Monthly premium £4.55 £9.10 £13.65 £18.20 £22.75
Partner - Weekly premiums £1.31 £2.62 £3.93 £5.24 £6.55
Partner - Monthly premiums £5.69 £11.38 £17.07 £22.76 £28.45
Optical
100% of cost up to a yearly total of
£65 £110 £160 £190 £220
Dental
100% of cost up to a yearly total of
£65 £110 £160 £190 £220
Chiropody
100% of cost up to a yearly total of
£50 £75 £100 £125 £150
Professional Therapy
Physiotherapy, osteopathy, chiropractic, acupuncture,
homeopathy, hypnotherapy and reflexology
100% of cost up to a yearly total of
£180 £300 £400 £480 £550
Specialist Consultation and Tests
100% of cost up to a yearly total
of (including PMI excess)
£300 £400 £480 £540 £600
Health Screening
100% of cost up to a yearly total of
£100 £150 £200 £250 £300
Paycare Employee Assistance
Programme (EAP)
Unlimited access 24 hours a day, 365 days a year
24 Hour GP Telephone
Consultation Service
Open 24 hours a day, 7 days a week
Organisations can choose
from the following ‘Additions’
for their employees depending
on the premium level paid:
1 Addition 2 Additions All Additions
EMPLOYER PAID BENEFITS
Prices and benefits were correct at the time of going to print, for the most up to date pricing and benefits please see the enclosed benefit tables.
‘Additions’ are only available for the employee.
*subject to annual limits
Did you
know…
a Paycare plan
covers eye tests, flu
jabs and PMI excess?*
Level 1,2 Level 3,4 Level 5
14. www.paycare.org14
Did you know…
The Paycare 4work scheme includes
an Employee Assistance Programme,
24hour GP telephone consultation service
and free cover for dependent children
under 18 years old** as standard
PAYCARE 4WORK
(EMPLOYEE PAID)
Giving employees the
opportunity to claim
100% cashback on
everyday healthcare
treatments.*
This is one of the most affordable and
flexible ways for you to ensure your teams
are happy, healthy, and that they feel valued.
• Financial protection and
ultimate peace of mind
• All premiums taken directly
via payroll each month
• Dedicated HR, marketing and
administration support
• Voluntary plan
As a committed employer we are not only responsible for the
physical wellbeing of our employees but also for their emotional
needs too. This is where Paycare’s 24-hour confidential help line is
so vital. The service can help our people in so many crises such as
bereavement, emotional pressure and much more.
Ms Abernethy, L’Occitane
Financial
protection
and peace of mind
* up to a specified annual limit and subject to meeting the terms of the plan
** dependent children living at the same address as the policyholder
15. www.paycare.org 15
EMPLOYEE PAID BENEFITS
Different levels of cover
1
Level
2
Level
3
Level
4
Level
5
Level
Your weekly premium £1.15 £2.28 £3.44 £4.56 £6.84
Your monthly premium £5.00 £9.90 £14.90 £19.80 £29.70
Optical
100% of cost up to a yearly total of
£45 £75 £120 £150 £220
Dental
100% of cost up to a yearly total of
£50 £85 £125 £170 £250
Chiropody
100% of cost up to a yearly total of
£25 £50 £75 £100 £150
Professional Therapy
Physiotherapy, osteopathy, chiropractic, acupuncture,
homeopathy, hypnotherapy and reflexology.
100% of cost up to a yearly total of
£55 £110 £160 £210 £315
Specialist Consultation and Tests
100% of cost up to a yearly total of (including PMI excess)
£120 £180 £250 £335 £495
Inoculation/Vaccination
100% of cost up to a yearly total of
£30 £30 £30 £30 £30
Health Screening
100% of cost up to a yearly total of
£50 £100 £150 £200 £300
New Child Payment
One payment per child at birth/adoption
£50 £100 £125 £150 £200
Hospital Day Case
For each day case up to 15 per year
£10 £18 £22 £25 £40
Hospital
For each night as an Inpatient/Parental
Stay up to 5 nights per year
£11 £19 £26 £33 £45
Personal Accident Cover
(adults under 70 only)
Disablement and major fractures up to
£10,000 £10,000 £10,000 £10,000 £10,000
Paycare Employee Assistance
Programme (EAP)
Unlimited access 24 hours a day, 365 days a year
Paycare Online Health
Assesment
(Accessed via our website)
Confidential online health and wellbeing assessment
24 Hour GP Telephone
Consultation Service
Open 24 hours a day, 7 days a week
Prices and benefits were correct at the time of going to print, for the most up to date pricing and benefits please see the enclosed benefit tables.
16. www.paycare.org16
OUR
COMMUNITIES
As a not-for-profit
organisation, we are
also hugely proud
of our long tradition
of supporting
those in need.
As well as continually working to improve
our policyholder benefits through the
reinvestment of operating profits, we
are also dedicated to donating every
single other penny left over to charities,
initiatives and community projects –
helping to ensure that those who do
so much good can continue to do so.
And, we’re not only committed to ensuring
individuals, their families and their
businesses are protected, but we’re also
hugely passionate about taking care of
our own team. From flexible working hours
and comprehensive training packages,
to regular complimentary health and
wellbeing sessions and seminars including
brain yoga and talks on nutrition, we ensure
every member of our team is looked
after, so that they can ensure you’re
looked after in the best possible way too.
And, the result of this commitment to
our own team speaks for itself. We are
proud to consistently achieve some of
the highest employee attendance rates
in the industry and some of the lowest
staff turnover figures, we were also
recently voted as a finalist in the
BusinessDesk.Com awards for Best
Employer – that’s the power of a
good health and wellbeing policy.
17. www.paycare.org 17
Employee Assistance Programme
As an employer, your team is your most valuable asset – which
is why it’s vital that they feel supported and nurtured at all
times. And, it’s inevitable that one or more of your employees
will experience personal problems that have the potential to
impact on their overall health and wellbeing, and as a result,
their work performance. This can be a difficult time for both
an employer and an employee, and we’re here to help.
Our Employee Assistance Programme is designed specifically
to support employers in dealing with any issues faced by
individual team members in a sensitive and effective way. A
dedicated advice and guidance service, it’s available to all
of our policyholders and provides access to a completely
confidential counselling hotline. Which all means your employees
can talk openly and freely to qualified counsellors about any
concerns they have – 24 hours a day, 365 days a year.
Perfect Partners
As a Paycare policyholder, you will benefit from access to our
portfolio of trusted affiliate partners. Every one of whom offers
a specialist service dedicated to ensuring that you and those who
matter most to you benefit from optimal health and wellbeing.
Becausewebelievesopassionatelyinthebenefitsofahealthybodyandmind,wearewholly
committedtoensuringthateveryoneofourpolicyholdersreceivesthehighestqualitycover.
Whichiswhyweincludearangeofvaluableadditionalbenefitsinallofourpoliciesasstandard:
COMPLETE
PROTECTION
For further information and full details on all of our partners, please see enclosed booklet.
“70 million working
days are lost annually
to issues such as
anxiety, depression
and stress-related
conditions”
- www.mentalhealth.org.uk
“Coming together
is a beginning,
staying together is
progress, and working
together is success”
- Henry Ford
18. www.paycare.org18
Dedicated Corporate
Account Managers
When we welcome you into the Paycare
family as a new corporate customer
you will be granted your very own
Corporate Account Manager.
Providing you with a friendly, personalised
service, they act as a single point of contact
who will take the time to understand your
health and wellbeing strategy and wider
business structure to ensure that you get
the most from your Paycare plan. Your
Account Manager will be with you every
step of the way on your Paycare journey
- on hand to answer any questions from
you or your team along the way. You
won’t have to worry about a thing!
Each of our dedicated Corporate
Account Managers has the knowledge
and experience to work with you to
ensure that your employees understand,
use and value their Paycare plan.
Tailored
communication
packages
We know that in this busy world of
ours, you’re constantly inundated
with demands on your time.
We make it easy for you to communicate all
of the benefits of a Paycare policy to your
employees across your entire organisation.
And we do this by providing your HR
team with a wealth of marketing support
specific to your business across a variety
of platforms, including posters, letters, new
starter packs, and via our HR vault, content
for online promotions, wage slip inserts, as
well as artwork for websites, to ensure your
staff know that they’re being looked after.
HOW WE
DO IT
Line Manager & Supervisor Training
To ensure a healthy Cash Plan, we need the whole team on-board.
That’s why we take the time to explain the plan to the senior members of your
team. So they understand the importance of the plan to them as managers,
their team and the overall value to your business.
19. www.paycare.org 19
On-site staff
visits/health and
wellbeing days
As part of our commitment to you, your
staff and your business, our Account
Managers can host regular visits to your
site(s) to make sure that every single
member of your team understands
the full range of benefits available to
them through a Paycare Cash Plan.
Our team offers comprehensive, easy
to understand guidance on how to
join, how to claim, and how to ensure
optimum health and wellbeing.
We’re also hugely passionate about
supporting your own health and
wellbeing days, and always ensure
that one of our team is on hand to
share information and advice on what
being a Paycare policyholder really
means, and how they can ensure their
own individual policies bring tangible
benefits to them and their loved ones.
Regular Account
reviews
We know only too well that our lives
are busy, and we understand too that
your business will evolve over time and
that your circumstances and needs will
change. Which is why we’re committed
to hosting regular account reviews with
you to ensure that the Paycare policy
you hold continues to be a perfect fit
with your precise requirements.
We are also hugely dedicated to ensuring
that, as a corporate policyholder, you get
the very best value from your Paycare
Cash Plan so that you, your team, and
your business truly reap the rewards.
Which is why we make it our mission
to identify exactly how your cash plan
is working for you and to ensure that
we continue to bring real value to you,
your staff, and your investment.
Good Health Advocates
As an organisation, we are passionate advocates of the power of good health and
wellbeing, and our belief in this is at the heart of everything we do. From raising
awareness and sharing top tips via our regular newsletters through to providing
access to dedicated partner services and continually enhancing the service we
provide, you can be assured that your health and wellbeing is safe in our hands.
20. www.paycare.org20
How can monthly payments
be made for the plan?
Whichever way suits you, either through
Direct Debit or BACS.
Does the EAP service include face
to face counselling?
If the EAP telephone counsellor decides that face to
face sessions are required Paycare will pay for up to a
maximum of 6 consecutive sessions.
What admin is involved?
Very little. On a voluntary scheme there will be a
small amount of admin required to process the payroll
deduct.
On a company paid scheme, you will just need to
update us whenever you have leavers or new joiners
to the scheme.
Are there any costs involved in an
employee paid scheme?
No – not directly. However, as payments are taken
by payroll deduct there will be a requirement for your
payroll team to administer.
How simple is the policy to
introduce?
Very simple, your dedicated Corporate Account
Manager is on hand to help you communicate the
plan with your management team and directly to your
employees.
FREQUENTLY ASKED
QUESTIONS
QUESTIONS RELEVANT TO YOUR BUSINESS
Who do my employees contact
with questions about their plan?
Your employees don’t need to hassle you with any
questions – they can simply ring our Customer Services
number and speak to a member of our dedicated
customer support team.
What are the tax implications for
employees should employers fund
the scheme?
The Paycare plan is classed as a benefit in kind,
therefore will appear on a P11D in line with standard
taxation.
Why should I choose Paycare?
Paycare is a not for profit business, and we have been
established for over 140 years. We aim to pay claims
within 48 hours, and successfully achieved this with
87% of claims paid in this time during 2015.
We always look for a reason to pay a claim, and in
2015 we paid 97% of claims received.
80% of premiums are paid back to policyholders.
Our customer satisfaction score is 99.96% for 2015.
Average length of time that corporate policy holders
stay with us is 12 years, and individual policyholders
is 22 years.
21. www.paycare.org 21
Can any employee join?
There is no age limit for the plan, and it is available to
all UK residents.
What support do I have from you
as an employer?
You will be given the support of a dedicated account
manager, an annual claims review, marketing support,
health and well being days and anything else you can
think of that will help within your organisation.
Do I have to pay for additional
services like EAP and GP 24/7?
No. The EAP and GP 24/7 services are included in the
cost of the plan, and cover unlimited telephone support
as well as up to 6 face to face counselling services.
QUESTIONS RELEVANT TO YOUR EMPLOYEES
Are we tied into a contract?
No – all that we ask is that a 3 month notice period
is given when cancelling the policy ensuring that the
policy holders are treated fairly.
How do employees make a claim?
It is really quick and simple to claim – either via our
online claiming platform or by post.
Employees simply need to pay for treatment with their
usual practitioner and send a valid claim form along
with their receipt to us to receive their money back,
usually within 48 hours.
How long do employees have to
claim their benefits?
Your benefit year runs 12 months from the initial start
date and you have 13 weeks to submit your claim from
the date you paid for your treatment, or from the date
you were admitted to hospital.
Are children covered on the plan?
Yes, any dependents under the age of 18 and living at
the same address are covered on the plan. The annual
limit for each of the benefits is then shared between
the policy holder and their dependant(s).
When will my employees be able
to claim?
Additions from the date of joining. 4Work from the date
of joining with the exception of new child payment &
pre existing conditions.
Does the plan limit where my
employees can go for treatment?
No – they can continue to visit their usual practitioner.
All that we ask is that the practitioner is covered by
the standard industry regulations – a list of these
accreditations can be found on our website.
Can my employees cover their
family too?
Yes. There are two choices; Either, Partners are
covered and paid for by the company. Or, Employees
can choose to add partners or close family members
to the plan at a cost to them. This payment is taken via
Payroll Deduct.
22. www.paycare.org22
OUR THANK YOU
TO YOU
Recommend
a friend
At Paycare our policyholders are so
happy with their cover, and with the way
that we look after them, that
they remain with us for an
average of 12 years.
But, we’re always looking to
protect more people from
unexpected healthcare
costs, and recognise and
rewardourvaluedpolicyholders
in the process. So, for every
Paycare policyholder who
recommends a friend, family
member, or colleague (and who
goes on to take out cover with us), we’ll
give them a £20 love to shop voucher for
every referral!
“Maintaining a healthy
workforce is vital
for a business”
Recommend
a business
Maintaining a healthy workforce is vital
for a business in ensuring its employees
are happy and motivated,
and is essential in ensuring
optimum productivity.
To help more businesses
reap the rewards of a
healthy and productive
team, we’re offering a
fabulous £50 Love to Shop
voucher to any of our
existing policyholders who
recommend an organisation
who they think would benefit
from ultimate peace of mind (and who
goes on to take out cover with us).
£50
voucher
£20
voucher
23. www.paycare.org 23
We’ve tried to pack the guide
with all the information you need,
however if we’ve added, updated or
changed anything it’ll be in here!
24. Paycare House, George Street,
Wolverhampton, WV2 4DX
01902 371000
enquiries@paycare.org
www.paycare.org
Paycare is a not for profit company limited by guarantee. Authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and Prudential Regulation Authority. Company Registration Number 820791
