Sharesave Frequently Asked Questions
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1 Sharesave 2018 Frequently Asked Questions What is Sharesave? Sharesave is a fantastic way to save and share in the future of Crest Nicholson Holdings plc ( the Company ). Sharesave will give you the opportunity to buy shares in the Company at an exclusive 20% discount. What are the benefits? Exclusive 20% discount on the purchase of Company shares Opportunity to become a Shareholder in the Company You choose how much you save, from 5 to 500 a month Can I join? The Sharesave Plan is offered to all UK employees of the Company that are employed as at the date of invitation (2 July 2018). How much can I save? The monthly savings limit is 500. This means that you can choose to save between a minimum of 5 per month up to a maximum of 500 per month across all of the Sharesave schemes that you currently participate in. If you joined the Sharesave schemes launched in 2015, 2016 and/or 2017, then whatever you are saving each month in these schemes will count towards the overall 500 maximum. What if I am already saving 500 per month? If you are already saving 500 a month across your 2015, 2016 and/or 2017 Sharesave scheme(s), this means that you are not currently eligible to join the 2018 scheme. However, should you decide to cancel one of your 2015, 2016 and/or 2017 Sharesave contracts you would be able to join the Crest Nicholson Sharesave Plan If you wish to take up this opportunity please log onto ESP Portal to cancel your previous Sharesave contract and then Payroll to advise them to stop deducting your monthly savings amount. Once you have done that, log back onto the ESP Portal and submit your application How long do I have to save for? The monthly deductions are for 3 years and the savings amount cannot be altered during the 3-year Sharesave contract. At the end of the 3 years, you will have the choice to either buy Crest Nicholson Holdings plc shares at the exclusive 20% discount or you can opt to have all your savings returned to your salaried bank account by Equiniti Limited ( Equiniti ), our employee share plans administrator. If your employment comes to an end before the end of the three-year Sharesave contract for reasons other than redundancy, injury, disability or retirement, you will not be able to buy Crest Nicholson Holdings plc shares at the exclusive 20% discount and your savings will be returned to your salaried bank account by Equiniti.
2 What if I am part of a training scheme, or otherwise have a fixed term contract less than three years? We encourage everyone to think about a long-term future at Crest Nicholson, so even though your contract may be less than three years we still want to extend the opportunity to join the Sharesave scheme. It does not matter if you change jobs within Crest during that time so long as you have continuous employment over the period of the Sharesave scheme. If you do leave during the three-year saving period, then your savings (that are held with a bank and protected during the saving period) are returned to you. Key dates 2 July July July August 2018 Sharesave invitation opens and the exclusive discounted Exercise Price is announced Sharesave invitation closes. All instructions must be submitted by 5pm Date of Grant: the number of shares you can buy in 3 years time is agreed Option Certificate and Welcome Letter is issued and sent to your home address 25 August 2018 The first contribution is deducted from your post-tax salary 1 September 2018 Contract start date for Sharesave September 2021 You can choose to buy Company shares at the exclusive 20% discount or have all your savings back What if I m away on holiday while the invitation period is open? You can join the 2018 Sharesave scheme on the go while lazing by the pool in Tenerife or sheltering under an umbrella in Wales. All you need is a smart phone or tablet with mobile data or a wifi connection. Just click on the link below or copy and paste it into your web browser. Once you have logged into your ESP portal, the process is quick and simple. What is the Exercise Price? The Exercise Price for the scheme is xxx. This figure is derived from the average of the previous three days closing share prices prior with a 20% discount applied to it. There will be no further discount or calculation applied to the xxx Option Price. This is the fixed Exercise Price for the duration of the scheme. How to join Click on the link on the landing page to apply online where you will be re-directed to the ESP Portal, which is provided by Equiniti Limited ( Equiniti ) our employee share plans administrator. What is the ESP Portal Link address?
3 I didn t receive an invitation . Why was that? The Sharesave Plan is offered to all UK employees of Crest Nicholson that are employed as at 2 July The invitation was sent to the address held for you on MyView. If you have changed this from your Crest address to a personal address, your invitation will have been sent there. Invitations have been posted to site staff who do not usually have access to IT equipment as part of their job. The invitation has been posted to you at the address we hold for you on MyView. Please check your details on MyView if you are in any doubt. Do I need an activation code to be able to apply for Sharesave 2018? No. Once you have registered for your ESP Portal account, you simply click on Manage Sharesave Schemes on the right-hand side of the screen. You can then select the amount you wish to save in the scheme and submit your instruction. If you are a first-time user, you will be issued with an activation code immediately by if you enter your Crest Nicholson as your address when you register on the Portal. If you enter your personal as your address, your activation code will be posted to your home address, which can take up to five days. While you do not need an activation code to apply for Sharesave 2018, it is important that once you receive your code you log back onto the Portal to activate your account, as until you do this you will not have full access to your online account, and will not be able to exercise your shares at the end of your three-year savings period until this is done. If I miss the deadline to apply, can I apply later? No. There will not be any way to apply after the deadline. You must have submitted your application by 5pm on Monday 18 July 2018 or you will not be able to participate. If you know someone who works at Crest that has not received an invitation but thinks they should have, you should recommend that they contact a member of the Company Secretariat for further advice. What happens after the invitation period? Your Option Certificate showing how many shares for which you have been granted an option will be sent to your home address on 8 August Your first contribution will be deducted from your post-tax salary on 25 August Will I pay any tax? Your monthly savings amount is deducted from your salary once the usual statutory deductions such as PAYE and National Insurance Contributions have been deducted. This means that the money in your savings account is free from any further Income Tax deductions. However, you may have to pay Capital Gains Tax ( CGT ) if you sell your shares and make a profit which takes you above the CGT allowance limit for that tax year (the limit for 2017/2018 is 11,700).
4 What is Capital Gains Tax? Capital Gains Tax is a tax on the profit or gain you make when you sell or dispose of an asset, such as shares or property. You usually dispose of an asset when you cease to own it - for example if you: sell it give it away transfer it to someone else It's the gain you make - not the amount of money you receive for the asset - that's taxed. Example 1: You save 50 per month for three years in the Sharesave scheme At the end of the three-year contract you purchase 728 shares at a discounted rate of 2.47, a total cost of 1, You then sell all of the shares at the current price (e.g. 5.84) for 4, You've made a gain* of 2, ( 4, less 1,798.16). In this example no CGT is payable as the gain is less than the current CGT allowance limit of 11,700. Example 2: You save 250 per month for three years in the Sharesave scheme At the end of the three-year contract you purchase 3,643 shares at a discounted rate of 2.47, a total cost of 8, You then sell all of the shares at the current price (e.g. 5.84) for 21, You've made a gain* of 12, ( 21, less 8,998.21) In this example CGT is payable on the gain over the current CGT allowance limit of 11,700 ( ) * Examples do not take into consideration any other gains made which may reduce your CGT allowance. Will my monthly contribution be deducted from my salary? Yes. Whatever amount (up to the maximum of 500 per month) you elect to contribute will be deducted from your salary after tax each month. If I choose to save 500 per month will I be able to contribute up to another further 500 per month into future Sharesave schemes if launched by Crest? No. The total monthly contribution to all Sharesave schemes is restricted to 500 per person per month. Can I change the amount I save each month? You cannot increase or decrease your chosen savings amount once the invitation period has closed, so it is important to choose an amount you can comfortably afford. We want you to stay saving with us, so when deciding how much you can afford to save, don t forget about important birthdays, Christmas, holiday spending money and those unexpected costs like car repairs and vet bills that surprise us all from time to time.
5 Can I suspend my Sharesave Contract? You may suspend your monthly payments for up to a maximum of 6 months during the savings period by contacting Payroll. If this happens, your Maturity will be delayed by one month for each missed month s payment while you catch up on your missed payments. If you miss more than 6 payments your account will close, you will lose your right to buy shares and your savings will be returned to you. What happens if the discounted exercise price is lower than the current share price when I come to exercise? Your savings, which are held with Lloyds Bank plc, are your own. If Crest Nicholson Holdings plc s shares are lower than the discounted exercise price when you come to exercise in three years time, you have two options available to you: 1. You can still exercise your option to buy the shares at the agreed discounted rate when you started your contract. In this case XX. 2. You can have all your savings returned to your salaried bank account by Equiniti. If you choose to have your savings returned to you, there are a range of options for what to do with your savings, including purchasing a larger amount of shares on the open market or via an ISA, or topping up your pension pot. Please contact Company Secretariat if you have any queries regarding these options. Have more questions? More FAQs can be found in the Sharesave Plan 2018 brochure that is available on the ESP Portal or on Grapevine. Need more information? Please contact the Equiniti Employee Sharesave Helpline on or +44 (0) if you are calling from overseas. However, you can contact anyone in the Company Secretarial team if you other queries about the Scheme s operation. Lines are open 8.30am to 5.30pm (UK time) Monday to Friday, (excluding public Holidays in England and Wales).
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