SHARESAVE
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1 SHARESAVE 2017
2 SHARESAVE 2017 Sharesave is a savings scheme with a difference. On joining, you choose to contribute between 10 and 500 per month. Your savings will automatically be deducted from your pay and paid into an account with Lloyds Bank plc. Deductions will be made under a three or five year savings contract ( the Contract ). You are then granted a share option giving you the future right to buy RELX PLC Shares ( Shares ), fixed at a 20% discount to the closing price of the Shares around the time of invitation (the Option Price ). Option Price On completion of your Contract, you can use your savings to buy Shares at the Option Price. Alternatively, you can have your savings repaid. Sharesave is risk free and your savings can be withdrawn by you at any time. Your savings are protected by the Financial Services Compensation Scheme (details available at Sharesave Gains: option price v share price at contract maturity* This graph compares the cost of Sharesave options granted in 2011, 2012 and 2013 to the corresponding value of Shares at Contract maturity three years later. 8, p 9, p 8, p Option cost based on saving 100 per month for 3 years. 4,697 5,559 5,043 Gain on sale of Shares at Contract maturity on 1 August. 3, p 3, p 3, p Option price (p) at invitation in 2011, 2012 and 2013 respectively Share price (p) at Contract maturity on 1 August 2014, 2015 and 2016 respectively. * The price and value of Shares and any income from them can go down as well as up and past performance is no guide to future performance. Read on for how to apply for Sharesave 2017
3 Applying for Sharesave 2017 Sharesave applications can be made online or by text. ONLINE: You can apply online through the Equiniti Employee Limited ( Equiniti ) Share Plans Portal (the Portal ) at NEW PORTAL USER: If you have not already registered for the Portal, you will need to click Register Now under the Register box in the middle of the homepage and follow the registration process. In order to enable all the features of the Portal, you will need to activate your Portal account by using an activation code. By registering with your work address an activation code will be sent to you at that address. If you register using a personal address, your activation code will be posted to your home address. You should activate your account immediately. You do not have to activate your account to apply for Sharesave 2017, but you are advised to do so to enable you to access the full range of services on the Portal. EXISTING PORTAL USER: If you have already registered for the Portal you will need your National Insurance Number and your respective Portal or Shareview Password to log in. If you have forgotten your password, select forgotten your password, you will be asked some security questions and then prompted to re-set your password. If upon logging into the Portal you are directed to a page entitled Your activation code, it means that your Portal account is not fully activated. Please select I cannot access my account/have forgotten/lost my activation code at the bottom of the page, this will prompt you to request an activation code. If you have registered using a work address a new activation code will be sent to you at that address. If you have registered using a personal address, a new code will be posted to your home address and should be received within five working days of request. TEXT: For text applications, you will need your Employee ID Number (available via PeopleHUB). Send a text message in the following format to RE3 (to save for three years); or RE5 (to save for five years). [space] Employee ID Number (eleven digits long), including any lead zeros. [space] Date of Birth in the following format DDMMYYYY. [space] monthly savings excluding any decimal places and signs. [space] Y to confirm that you have received the FSCS Information Sheet & Exclusions List. [space] Y to confirm you have read the terms and conditions. Example: If you were born on 1 June 1976, have an Employee ID Number of and wish to save 30 per month for three years, your text application would read: RE Y Y You will receive a response by text confirming receipt of your application. Please save this message until you receive your Option Certificate information. All texts will be charged at your standard network rate. KEY DATES FOR SHARESAVE March Option price determined 31 March (9am) Invitation opens 20 April (11.59pm) Invitation closes SCAN THIS CODE WITH YOUR SMARTPHONE TO APPLY ONLINE FOR SHARESAVE 2017 Visit to access your Portal Account Late applications cannot be accepted May Grant information issued July First contribution deducted from salary 1 August Savings Contract starts
4 QUESTIONS AND ANSWERS What is an option? An option is the future right to buy a certain number of Shares at a predetermined price, also known as the Option Price. Sharesave Options are usually granted at a discount to the market price. For Sharesave 2017, the Option discount is 20%. Depending on your choice of Contract, your Option will mature after saving for three or five years. At maturity, you can use your savings to buy Shares at the Option Price, this is known as exercising your Option. Your Option can be exercised for a period of six months from the date of maturity of your Contract. If not exercised within that time, the Option will lapse, you will lose the right to buy Shares at the Option Price and your savings will be repaid to you. Who can join Sharesave 2017? To be eligible for Sharesave 2017, you need to be an employee of one of the participating RELX Group Companies as at 31 March 2017 and have earnings which are chargeable for tax under Section 15 or Section 21 of the Income Tax (Earnings and Pensions) Act 2003, in respect of your employment. NB: If you are a US tax payer, or on secondment in the US, before applying for Sharesave 2017, you should consult with your local HR department on the tax implications of S.409A of the American Jobs Creation Act How long do I need to save for? You can choose to save for either three or five years. Once you submit your choice it cannot be changed. After three or five years, you may choose to exercise your Option to buy Shares, or you can have your savings repaid. How much can I save? You can save between 10 and 500 a month in multiples of 1. Once you have chosen your contribution amount, it cannot be changed. The 500 limit is set by HM Revenue & Customs. If you are saving in other existing Sharesave Contracts, these will count towards the 500 limit, except for any Contracts due to complete in August 2017; being the 2012 five year and the 2014 three year Contracts, provided that you have not missed any contributions. Your contributions into Sharesave 2017 will be deducted each month from your net salary beginning July Twelve monthly payments will be deducted each year for three or five years, to make 36 or 60 contributions. Your savings will be held by Lloyds Bank plc and are protected under the Financial Services Compensation Scheme, up to an aggregate amount of 85,000. Do I receive any interest or a bonus on my savings? There is currently no interest or bonus payable on savings. The interest and bonus rates for Sharesave 2017 are determined by HM Revenue & Customs in the Prospectus dated 27 December 2014 ( Prospectus ). All approved Sharesave Schemes must adhere to the interest and bonus rates set out in the Prospectus. The Prospectus and the Terms and Conditions of the Contract with Lloyds Bank plc can be viewed once you have logged into the Portal at (available from 9:00 am on 31 March 2017). How much can I make? A Sharesave calculator is available in the Portal. WHAT HAPPENS IF... You miss a contribution? You may defer up to six monthly contributions under the terms of the Contract. For each contribution you miss, the maturity of your Contract will be deferred by one month. You can make up your contributions on a monthly basis or in one payment, as appropriate. Where you make-up multiple contributions in one payment, the maturity of your Contract will still be deferred by the corresponding number of missed contributions; i.e. three missed contributions = your maturity deferred by three months. If you miss more than six monthly contributions, your option will lapse, you will lose your right to buy Shares at the Option Price and your savings will be repaid to you. You close your Sharesave 2017 account early? Your option will lapse, you will lose the right to buy Shares at the Option Price and your savings will be repaid to you. No interest will be payable. Your employment ends because of injury, disability, redundancy or reaching retirement in accordance with your Contract of Employment, or in accordance with the Sharesave Retirement Policy? You can: continue making your normal monthly contributions for up to six months from your leaving date and use your total savings to buy Shares within six months of leaving; or take your savings as cash, and lose the right to buy Shares at the Option Price.
5 You leave the RELX Group before the end of the three or five year savings period for any reason other than those given above? If you are in the three year plan you can only take your savings as cash,and not buy Shares at the Option Price. If you are in the five year plan and at the time of leaving, your option has been held for at least three years, you can exercise your option to buy Shares within six months of leaving. You transfer overseas to a RELX Group company? For permanent transfers - you are able to continue with your existing scheme but you will not be invited to participate in future schemes. For temporary transfers (short and long term assignments) - you will remain eligible to continue participating in current and future schemes. Please note that you will be responsible for any tax consequences that arise. If you have any further queries please contact Global Talent Mobility team by ing globaltalent.mobility@relx.com. You go on maternity leave? If you go on maternity leave, your option remains unaffected, unless you fail to re-join a participating company after your maternity leave, or if you miss more than six monthly contributions. Please contact your local HR department for more information on maternity arrangements. You retire early, outside of the provisions of your Contract of Employment or the provisions of the Sharesave Retirement Policy, before the end of the three or five year savings period? You can: take your savings as cash and lose the right to buy Shares at the Option Price. Your employing company or business ceases to be under the control of the RELX Group? You can: continue saving your normal monthly contributions for up to six months after the change of control and use your savings to buy Shares within six months of the change of control; or take your savings as cash and lose the right to buy Shares atthe Option Price. You die before or after the end of your savings period? If you die before the end of your savings period, your executors or personal representatives will have up to 12 months from the date of your death in which to buy Shares. If you die during the six months following the end of your Savings Contract, without having exercised your option, your executors or personal representatives will have up to 12 months from the maturity date of your Contract, in which to buy Shares at the Option Price. If you leave the RELX Group for any reason, you should check your entitlement carefully with your HR department before you leave. What is the Sharesave Retirement Policy? The Sharesave Retirement Policy (the Retirement Policy ) is a self-standing policy that has been approved by the Directors of RELX Group plc, which sets out the conditions for retirement for the purposes of the Sharesave scheme. The Retirement Policy determines that all leavers of age 55 and upwards can be treated as retirees, unless employment has been terminated for cause. How do I cancel an existing Sharesave contract? You can submit a cancellation instruction through the Portal. You will need to instruct your payroll department to stop taking payments from your salary. In the event that a payment has been taken from your salary, but not yet credited to your account at the time the account is closed, the overpayment will be returned to you. Alternatively, you can call the Equiniti Sharesave Helpline (see contacts) to close your savings account. You will need to correctly answer some security questions before your account can be closed. Please have your National Insurance and payroll number to hand when calling, as you may be asked to confirm these details. Are there any tax liabilities? You will normally pay no income tax when you exercise your option. If you sell your shares and make a profit on the difference between the Option Price and the share price at the time of sale, you may be liable to Capital Gains Tax ( CGT ) on the sale proceeds, depending on the effective CGT allowance at the time of sale and your individual circumstances (more information at If you are a US tax payer, or on secondment in the US, you should consult with your local HR department on the tax implications of s.409a of the American Jobs Creation Act 2004.
6 DON T MISS OUT ON SHARESAVE 2017 You have until 11.59pm on Thursday 20 April to apply. Late applications cannot be accepted. SHARESAVE COORDINATOR DETAILS Reed Exhibitions Limited Elsevier Limited LexisNexis RBI Reed Elsevier Technology Services RELX (UK) Limited Sandra Geluykens sandra.geluykens@reedexpo.co.uk HR Shared Services: UK Benefits (Select Option 1) ukbenefits@relx.com EQUINITI CONTACT DETAILS Sharesave Shareholders Share Dealing Sharesave Helpline * relx.saye@equiniti.com * * Lines open 8.30am to 5.30pm (UK time), Monday to Friday (excluding public holidays in England and Wales). Please contact your Sharesave Coordinator if you require this brochure, or any of the supporting documentation in braille, or large print.
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