Aviva Executive Pension Policy Application Form

Transcription

1 Aviva Executive Pension Policy Application Form to Aviva Life & Pensions UK Limited ( Aviva ) Please note carefully This is a legal document and together with the policy conditions (which are available on request) and policy schedule forms part of any subsequent contract with Aviva. All sections must be fully completed and any alterations initialled by the Employer/Trustee signatory / signatories. A copy of the completed application form is available on written request. 1. Checklist of documents to be submitted with this completed application form A fully completed application form A completed Letter of Exchange to establish the Aviva Executive Pension Plan. If applicable, a cheque for the transfer payment made payable to Aviva Life & Pensions UK Limited If you wish to pay by Electronic Funds Transfer (EFT) please quote the application number or the name of the customer. Our details are as follows: Bank: Ulster Bank IBAN: IE26ULSB BIC: ULSBIE2D The employee s most recent P60 or payslip If any of the required items are not submitted with the application form, we will be unable to proceed with the application. Contributions will not be invested in the chosen funds until we have received all of our requirements. 2. Financial Broker Details 1. Agency Number 2. Name of Financial Broker/Company Please complete this form in BLOCK CAPITALS 3. Financial Broker s Address 4. Financial Broker s phone telephone 5. Aviva Broker Consultant Name 3. Employer Details Employer s Name Employer s Address Registered Address Employer s Tax Number Telephone Full Name of Company Directors Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules. Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules and, to a limited extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No ) at One Park Place, Hatch Street, Dublin 2. Tel (01) Web Registered in England ( ) at Wellington Row, York, YO90 1WR.

2 4. Employee Details (a) Personal Details Title Mr Ms Mrs Other First Name Surname Date of Birth / / PPS Please complete parts (a) and (b) Gender Male Female Relationship Status Single Married Separated Divorced Widow(er) Civil Partner Address Contact Telephone Number Profession / Occupation Earnings / Salary Is the employee a 5% director Yes No Is the employee a 20% director Yes No Date of entry into service / / Normal Retirement Age Other (b) Employee s existing pension benefits Does the employee have any pension benefits from current or previous employments? Yes No If No, please proceed to Section 5. If Yes, please supply the details in the relevant areas below or on a separate page if required. (i) Does the employee have defined contribution company scheme pension benefits from current or previous employments? Yes - Current Employment Yes - Previous Employment No If Yes to either provide details: Normal retirement age If current employment Total employer contributions p.a. Name of Life Company Total employee contributions p.a. This must be between the age of 60 and 70. It is important that complete details of benefits from all other pension arrangements are provided below. Revenue will return any applications with missing details and may ask for additional information to grant approval, which can cause delays in getting the policy issued. Include the value of AVCs / Personal Retirement Savings Account (PRSA) AVCs If previous employment Scheme Name Name of Life Company

3 (ii) Does the employee have Personal Pension / PRSA (including self-employed) pension benefits from current or previous employments? Yes No If Yes provide details Current value Name of Life Company (iii) Does the employee have defined benefit company scheme pension benefits from current or previous employments? Yes - Current Employment Yes - Previous Employment No If Yes to either provide details: Normal retirement age Pension payable at NRA Retirement lump sum (if in addition to pension at NRA) Spouses pension % / Registered civil partners pension % % Current value of any AVC / PRSA AVC If current employment Total employee & AVC contributions p.a. Death benefit p.a. Name of Life Company If previous employment Date of leaving service / / Scheme Name Name of Life Company (iv) Has the employee received benefits from any other pension arrangements? Yes No If Yes provide details Date benefits were paid? / / For Defined Contribution Schemes, PRSA or Personal Pension benefits: Total value of pension fund at date of payment For Defined Benefit / Public Sector Schemes: Gross retirement lump sum (before any tax was paid) Annual pension income Final value of AVCs (if not included in above amounts)

4 5. Contribution Details for the Aviva Executive Pension Policy Note for Financial Brokers: Please ensure that you complete the Product Details in Section 11 of this application form. Start Date / / Contributions Employer Employee AVC Total Regular Single Transfer The start date must be between the 1st and 28th of the month. Any regular contribution must not be less than 100 per month to set up an Aviva Executive Pension. Any single contribution or transfer payment must not be less than 5,000. Contribution Frequency and Payment Method Monthly Direct Debit Yearly Direct Debit Yearly Cheque Yearly by Electronic Funds Transfer (EFT) Single by Electronic Funds Transfer (EFT) Source of funds - EFT Automatic increase in contribution Please provide details of the bank account from which the funds for the policy were paid unless method of payment is by cheque in the trustee s name. No Automatic Increase in Contribution - Unless you have said No, regular contributions will increase by 5% each year. This will take place on the yearly anniversary date of the policy. Account name Account number IBAN Bank identifier code BIC Transfer Payment Name of Life Office from which transfer payment is received Plan Reference Number Is the transfer payment from an overseas pension plan? Yes No If Yes, from which country does the transfer originate from? Name of the company that acts as insurer / administrator / custodian / manager / trustee of the transferring pension arrangement Transfers cannot originate from the UK. Address of that Company Name of Contact Person of the transferring pension arrangement address Telephone Number

5 Overseas Transfer Declaration (only relevant where your transfer is coming from an overseas pension scheme) I wish to transfer the assets of my overseas pension arrangement to the Aviva Executive Pension Plan. I agree to allow Aviva to obtain any information it regards as relevant from the Company and / or Contact Person, named above, in order to facilitate the transfer of my fund. I authorise the Company and / or Contact Person named above to give Aviva any information relevant to this transfer. Signature of Employee

6 6. Fund Choice - select option (a) or (b) only (a) Fund Choice managed by you / for you Please complete details of the fund choice and the proportion to be invested in each fund. Please note, we can only accept whole percentage numbers. Regular Single AVC Transfer ALL Contribution Contribution Payment Cash Fund % % % % % Bond Fund % % % % % Long Term Bond Fund % % % % % Corporate Bond Fund % % % % % Multi Asset Fund Cautious (Risk 3) % % % % % Multi Asset Fund Strategic (Risk 4) % % % % % Multi Asset Fund Dynamic (Risk 5) % % % % % Aviva Investors Multi-Strategy (AIMS) Target % % % % % Return Fund (Ireland) Merrion Multi Asset 30 % % % % % Merrion Multi Asset 50 % % % % % Merrion Multi Asset 70 % % % % % Irish Property Fund % % % % % UK Property Fund % % % % % High Yield Equity Fund % % % % % Eurozone Equity Income Fund % % % % % Asia Pacific Equity Income Fund % % % % % Emerging Market Equity Income Fund % % % % % Legal & General Investment Management Multi % % % % % Index III Fund Legal & General Investment Management Multi % % % % % Index IV Fund Legal & General Investment Management Multi % % % % % Index V Fund L&G Euro Bond Index Fund % % % % % L&G World Equity Index Fund % % % % % L&G Emerging Markets Equity Index Fund % % % % % L&G Europe (ex. UK) Equity Index Fund % % % % % There is a minimum investment of 10 per fund. Please see our Fund Guide, Your Investment Options for full details on all of our funds, and speak to your Financial Broker. (b) Lifestyle Strategy Total 100% For full details on all the fund options and the Lifestyling strategies available through the Aviva Executive Pension, please see the separate Lifestyle Strategies from Aviva and Your Investment Options brochures and speak to your financial broker. Lifestyling strategies use an automatic system that, over time, switches your pension fund from higher risk funds to lower risk funds as you approach retirement. This in effect means that the pension fund you have built up is gradually de-risked over a set period of time prior to your retirement age. Please select one option below: Aviva Investors Annuity Aviva Investors ARF Legal & General Annuity Legal & General ARF Merrion Annuity Merrion ARF

7 7. Data Protection Notice Please read this Data Protection Notice carefully before you complete the Declarations section 1. Introduction We collect and use personal information about individuals so that we can provide insurance and pension products requested by our customers. This Data Protection Notice explains the most important aspects of how we use personal information and what rights individuals have. You can get more information about the terms we use and view our Privacy Policy at or request a copy by writing to the Data Protection Officer, Aviva Life & Pensions UK Limited, One Park Place, Hatch Street, Dublin 2 or call us on (01) This Data Protection Notice applies mainly to the Employee whose information is relevant to the insurance under the policy and the administration of the Executive Pension Plan of which the Employee is a member. This Data Protection Notice also applies to the following individuals as regards the more limited information that will hold in respect of them (e.g. as their contact details): the directors/signatories to the application for the policy of corporate trustee/employer of the Executive Pension Plan individual trustees the employer if a sole trader. The terms you and your are used accordingly in this Data Protection Notice. The data controller responsible for processing this personal information is Aviva Life & Pensions UK Limited ( we, us, our ) as the insurer of the product and providing support to the Executive Pension Plan e.g. acting as registered administrator. Additional data controllers involved in the process for obtaining and maintaining insurance policy include the intermediary/financial broker (who is responsible for the sale and suitability of the product) and applicable reinsurers. Additional data controllers involved in the Executive Pension Plan include the Employer and the Trustee. 2. Type of Information/Where Collected We collect personal information from you and any relevant third parties (including that authorised by the Declarations) under and in relation to the application for the policy and the administration of the policy and the Executive Pension Plan, to include processing benefits and complaints. You don t have to provide us with any personal information, but if you don t provide the information we need we may not be able to proceed with the application or any claim for benefit. We will let you know what information is required to proceed with your application or any claim you make. We may also use personal information about people other than you e.g. (if benefits payable to them) spouse, dependants of the member of the Executive Pension Plan. If you are providing personal information about another person we require you to let them know what information you ve shared with us, share with them this Data Protection Notice and obtain their confirmation that they have read and understand this Data Protection Notice. If you or they have any queries or concerns please contact us in one of the ways described below. We may also collect personal information: already held about you within the Aviva Group (identified in Privacy Policy), including details from previous, policies of insurance and claims; from your intermediary, financial broker or other nominated representative; from publicly available information including social media websites and online content, newspaper articles, tv radio and other media content, court judgements, public registers and specialist databases (for example Companies Registration Office, Vision-net, Oracle, Dow Jones, SoloCheck), and (only for purposes of verifying your identity) electoral register; from other insurance companies, trustees of other pension schemes, previous employers, other pension providers.

8 3. Legal Basis and Purposes for Use The legal basis we rely on to process your personal information and the purposes for which we collect and use personal information are summarised below. Further information is set out in our Privacy Policy. Legal Basis for Use In order to take steps prior to entering into a contract i.e. the insurance policy For the performance of a contract i.e. the insurance policy Purposes for Use To consider whether to accept the application for the policy and consider the related administrative and regulatory requirements e.g. Revenue approval of the Executive Pension Plan. To administer the policy for the Policy Owners in accordance with the policy conditions (a copy of which are available on request from us or intermediary/financial broker), including: process benefit payments and the prevention and detection of fraud in respect of the policy support the administration of the Executive Pension Plan e.g. arrange Revenue approval of the Executive Pension Plan address Pension Act requirements e.g. disclosure other statutory requirements e.g. pension adjustment orders. For compliance with a legal obligation Legitimate Interests (of Aviva and/or the Policy Owners) Legitimate Interests (of Aviva) To protect your vital interests Legitimate Interests (of Aviva) Legitimate Interests (of Aviva) To carry out other activities that are in the public interest Compliance by us with all relevant legal and regulatory obligations to include those (e.g. annual benefit statements, annual reports) if we act as Registered Administrator of the Executive Pension Plan. We may process personal information of people other than the Policy Owners, in order to administer the policy and support the administration of the Executive Pension Plan. To support the legitimate interest that we have as a business in managing our legal affairs including exercising our legal rights and defending claims; and managing our business effectively e.g. with third party service suppliers. This will only arise in exceptional circumstances where we may use and/or disclose information to protect you e.g. liaise with the Pensions Authority and/or Revenue Commissioners if trustee/employer in liquidation. To support other legitimate interests that we have as a business and that the insurance industry at large has to manage security including preventing, detecting, investigating and/ or protecting our customers and ourselves from theft and fraud. Our legitimate interests to better understand our customers and improve service enhancement and business performance, this includes customer analytics; market research; processing management information; reporting (including Aviva Group reporting) for compliance, audit, statistical or research purposes; staff training; providing online services; and in the event of any portfolio transfer, merger, acquisition, disposal or other such transaction relating to our business. Where practical we will anonymise the data we analyse. We may need to use personal information to verify your identity and carry out anti-money laundering checks. Your Right to Object Please note that you have a right to object to processing of your personal information where that processing is carried out on the grounds of legitimate interests or public interest. If you do object: we will have an opportunity to demonstrate that there are compelling legitimate grounds which override your rights and freedoms or that processing is necessary for the establishment, exercise or defence of legal claims ; a successful objection may have consequences for our continued administration of the policy (e.g. prevent us assessing future claims and/or the policy may be cancelled) and we can discuss these if you want to object.

9 4. Who we share your information with Where relevant, we may share personal information with: 1. Other Aviva Group companies, agents, professional advisers acting for us and third party service providers. 2. The intermediary/financial broker and at its request, third party service providers who provide services to the intermediary/financial broker (e.g. software providers who give brokers an overview of customer information across different insurance providers). 3. Your agents and other third parties relevant to you and/or the policy, including your employer, previous employers, other insurance companies, trustees, administrators and other pension providers. 4. If appropriate with regard to relevant legal/tax regulatory obligations and Revenue approval of the Executive Pension Plan: with regulatory bodies, law enforcement bodies, government departments including UK Financial Conduct Authority, UK Prudential Regulatory Authority, Central Bank of Ireland, Financial Services and Pensions Ombudsman, Pensions Authority, Revenue Commissioners/Inspector of Taxes, Gardaí, Criminal Assets Bureau, Data Protection Commission and Department of Employment Affairs and Social Protection. Some of the organisations we share information with are located outside of the European Economic Area ( EEA ), including India. We ll take steps to ensure that any such transfer of information outside of the EEA is managed to protect your privacy rights. For more information on this please see our Privacy Policy or contact us. 5. How long we keep your personal information for We maintain a retention policy to ensure we keep personal information only for as long as we reasonably need it please see our Privacy Policy for further details. We need to retain personal information for the period necessary to administer the policy and support administration of the Executive Pension Plan and as long as is required/permitted by law and/or in respect of any potential dispute in relation to the policy. Currently this would commonly be 7 years from the later of the date when the customer relationship ceases. 6. Your rights You have various rights in relation to your personal information, including the right to: request access to your personal information correct any mistakes on our records erase or restrict records where they are no longer required object to our use of personal information based on legitimate interests or public interests asking not to be subject to solely automated decision making if the decision produces legal or other significant effects on you move (in a structured, commonly used and machine-readable format) certain data to other providers (data portability). We will respond to your request in writing, or orally if requested, as soon as practicable and in any event not more than within one month after receipt of your request. In exceptional cases, we may extend this period by two months and we will tell you why. We may request proof of identification to verify your request. For more details in relation to your rights, including how to exercise them, please see our Privacy Policy or contact us using the details set out below. 7. Contacting us If you have any questions about how we use personal information, manage personal information within our business or if you want to exercise your rights stated above, please contact our Data Protection Officer by either ing them at DPO@ aviva.com, writing to the Data Protection Officer, Aviva, One Park Place, Hatch Street, Dublin 2 or call us at (01) If you have a complaint or concern about how we use your personal information please contact us in the first instance and we will attempt to resolve the issue as soon as possible. You also have the right to lodge a complaint with the Office of the Data Protection Commission or any other relevant data protection authority. Please see our Privacy Policy (available at or on request) or contact us for further details.

10 8. Employee Authorisation and Declaration I authorise the deduction of the contribution specified in Section 5 from my remuneration (if applicable). I consent to my employer, the trustee of the Aviva Executive Pension Plan and/or Aviva verbally or otherwise, seeking and receiving such additional information as they may require for the purposes of this application, the policy or the Aviva Executive Pension Plan and I hereby authorise my employers and previous employers, the trustees, administrators and life assurance providers of relevant pension arrangements and my agents to provide such information to my employer, the trustee of the Aviva Executive Pension Plan and/or Aviva. I am resident for tax purposes in the Republic of Ireland and have an address in the Republic of Ireland. I undertake to inform Aviva of any change in my country of residence during the life of the policy. I have read and understand the Data Protection Notice in Section 7. Where I am providing information about another person (e.g. my spouse/dependants in respect of benefits payable under the Executive Pension Plan), I confirm that I have: let them know what information I have shared with Aviva shared the Data Protection Notice with them and obtained their confirmation that they have read and understand the Data Protection Notice. I understand that Aviva require for the purposes of this Application that I have done so. Employee Signature Please sign and date Date / / 9. Employer/ Trustee Declaration We apply to Aviva for this Aviva Executive Pension Policy to be issued to us as trustee/s of the Aviva Executive Pension Plan established by the Letter of Exchange and declare that: 1. The information in this application for this policy above is true and complete to the best of our knowledge and belief. 2. We understand that the policy is conditional on the approval of the Aviva Executive Pension Plan by the Revenue Commissioners as an exempt approved scheme under Chapter 1 of Part 30 of the Taxes Consolidation Act, We confirm that the contract effected in pursuance of this application will be held by us as trustees under irrevocable trust for the purpose of providing retirement and other relevant benefits as defined by Chapter 1, Part 30 of the Taxes Consolidation Act 1997 to or in respect of the employee as set out in the Aviva Executive Pension Plan Rules referred to in the Letter of Exchange. 4. We consent to Aviva, verbally or otherwise, seeking and receiving additional information that isn t provided on the application or where further information is required in order to process the application and such information will be deemed to be incorporated into this application and I/we hereby authorise the trustees, administrators and life assurance providers of relevant pension arrangements with information relevant to this application and our agents to provide such information to Aviva. 5. We agree that without further communication to us Aviva may, if they accept this application, issue a policy comprising of policy conditions on Aviva s standard terms for policies of this type (a copy of which has been made available) and a policy schedule as regards the particulars of the policy such as the contribution amounts, fund choices and charges. 6. We agree that the policy conditions and policy schedule together with this application will form the contract between Aviva and us as trustees. 7. We agree and understand that even if a contribution is tendered or direct debit This must be completed in all cases where the employer is the trustee or where an independent trustee has been appointed.

11 mandate is signed, no binding contract is created until Aviva has issued the policy. 8. We are resident for tax purposes in the Republic of Ireland and have an address in the Republic of Ireland. We undertake to inform Aviva of any change in our country of residence during the life of the policy. 9. We appoint Aviva to act as registered administrator of the Aviva Executive Pension Plan under Section 59 of Part VI of the Pensions Act, 1990 as amended, and we understand that by accepting this application, Aviva agrees to act as such. We agree that either Aviva or the trustees can choose to terminate this appointment by giving at least 90 days written notice to the other party. This 90 day notice period may only be reduced where both parties agree to it, or if required by legislation. 10. We agree and understand that Aviva s processes may involve electronic means including, but not limited to, data entered online, the capturing of our signatures on an electronic device, the use of electronic signature or the use of a signature-free process; Aviva s processes may also (even where commenced on-line) involve manual processes and/or require wet ink signing of documents at certain points. 11. We have read and understand the Data Protection Notice in Section 7. Where we are providing information about another person (e.g. spouse/dependants of member of the Executive Pension Plan), we confirm that we have: let them know what information we have shared with Aviva shared the Data Protection Notice with them and obtained their confirmation that they have read and understand the Data Protection Notice. We understand that Aviva require for the purposes of this Application that we have done so. Signature Duly authorised to sign for and on behalf of the Employer and Trustee. Name of authorised person Please sign and date Position in the company Date / /

12 10. Letter of Exchange By completing the Letter of Exchange the employer sets the pension scheme up in trust for the employee. Between And Employer Employee Date / / The Employer now establishes under irrevocable trusts an Aviva Executive Pension Plan, ( the Plan ), which is a retirement benefits scheme capable of being approved ( Approved ) by the Revenue Commissioners as an exempt approved scheme under Part 30, Chapter 1, Taxes Consolidation Act 1997, for the purpose of providing relevant benefits in respect of you. The Plan is governed by this letter and the Rules in the form of the standard Aviva Executive Pension Plan Rules ( the Rules ) which are contained in your Member Pack (and in the meantime are available to you on request), and are hereby adopted. The Plan commences on the Start Date specified in the Rules. On the Start Date the Plan benefits will be provided by policy/policies of assurance issued to the Employer as Trustee by Aviva in accordance with the application (to which this letter is attached) and any subsequent supplementary applications to Aviva. You will receive a member s explanatory booklet which will give you an overview of the Plan and documents called a Member Pack which will identify benefit and contribution particulars of the Plan in respect of you. As required by the Employer or as agreed between you and the Employer, subject to the Rules, the contributions payable to the policy/policies of assurance will be contributed by the Employer and you may be required to contribute and/or you may contribute on a voluntary basis. The Employer with the consent of the Trustees (if the Employer is not the sole trustee) may from time to time in writing, delete, replace or supplement all or any of the provisions of this letter and/or the Rules and any such amendment, deletion, replacement or supplementation may have effect from such time as may be specified including any time previous or subsequent thereto provided that no such amendment, deletion, replacement or supplementation shall be made which would result in the Plan ceasing to be Approved. Please agree to this letter and the Rules by signing below. Signature of person duly authorised to sign for and on behalf of the Employer Please sign and date Name of authorised person Position in the company I acknowledge receipt of this letter and understand the contents thereof. I hereby agree to be included in the scheme. Employee Signature Please sign and date

13 11. Product Details (To be completed by Financial Brokers) (a) Aviva Executive Pension Range 1 Regular Contributions Product code Please specify the % of contribution commission: Product Codes can be found in Pensions from Aviva - Financial broker Booklet % Note: this can range from Nil to 5% in bands of 0.25%. Single Contribution Product code Please specify the % of contribution commission: Transfer Payments % Note: this can range from Nil to 5% in bands of 0.25%. Please specify the % of contribution commission: Product code % Note: this can range from Nil to 5% in bands of 0.25%. Fund Based Commission Please specify the % of contribution commission: % Note: this is available in bands of 0.05% up to 0.50% and then in bands of 0.25% from 0.50% to 1.00%. (b) Aviva Executive Pension Range 2 Regular Contributions Product code Please specify the following: Initial Commission % Renewal Commission % Single Contribution Product code Please specify the % of contribution commission: % Note: this can range from Nil to 5% in bands of 0.25%. Regular Contributions Initial commission is a maximum of 15% (based on 1.25% x term to a maximum retirement age of 68). Renewal commission can be between 0% and 4%. Transfer Payments Please specify the % of contribution commission: Product code % Note: this can range from Nil to 5% in bands of 0.25%. Fund Based Commission Please specify the % of contribution commission: % Note: this is available in bands of 0.05% up to 0.50% and then in bands of 0.25% from 0.50% to 1.00%. (c) Aviva Executive Pension Range 3 Regular Contributions only Please specify the following: Bullet commission: % Product code Bullet commission: Please specify either 30% or 40%. Fund Based Commission Please specify the % of contribution commission: % Note: this is available in bands of 0.05% up to 0.50% and then in bands of 0.25% from 0.50% to 1.00%

14 Application No. SEPA DIRECT DEBIT MANDATE SEPA Direct Debit Mandate Unique Mandate Reference (UMR) To be completed by Aviva Life & Pensions UK Limited By signing this mandate form, you authorise (A) Aviva Life & Pensions UK Limited to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instructions from Aviva Life & Pensions UK Limited. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Your rights are explained in a statement that can be obtained from your bank. Please complete all fields marked* Name(s) of Account holder(s) * Account number IBAN* Bank identifier code BIC* Creditor s name Aviva Life & Pensions UK Limited Creditor identifier I E 7 4 Z Z Z Creditor address One Park Place, Hatch Street, Dublin 2, Ireland. This mandate is in respect of a recurring payment. x x Signature* Signature* Date D D M M Y Y Y Y Location Please return this mandate to Aviva Life & Pensions UK Limited trading as Aviva Life & Pensions Ireland, One Park Place, Hatch Street, Dublin 2. Please note: Banks may refuse to accept instructions to pay Direct Debits from some types of accounts, usually savings or deposit accounts. If in doubt check with your bank. Aviva Life & Pensions UK Limited may combine the Direct Debits for this mandate with those from any other mandate(s) which you have signed in their favour and which may be payable to them within the same calendar month. Payment amounts may vary from time to time.

15 Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is authorised by the Prudential Regulation Authority in the UK and is regulated by the Central Bank of Ireland for conduct of business rules. Aviva Life & Pensions UK Limited, trading as Aviva Life & Pensions Ireland, is also regulated in the UK: by the Prudential Regulation Authority for prudential rules and, to a limited extent, by the Financial Conduct Authority for applicable UK conduct rules. Registered Branch Office in Ireland (No ) at One Park Place, Hatch Street, Dublin 2. Tel (01) Web Registered in England ( ) at Wellington Row, York, YO90 1WR