HomeServe One Plan Frequently Asked Questions
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1 What are the differences between Sharesave and One Plan? HomeServe One Plan Frequently Asked Questions One Plan and Sharesave are two separate plans so you can join One Plan even if you are saving in Sharesave Sharesave One Plan Timing Offered once a year to colleagues with 12 months service at the time of launch Ongoing benefit colleagues can join any time once they have completed 3 months service Contributions Contributions from 5 to 250 per month from net pay Contributions from 10 to 150 per month from gross pay (so your contributions cost you less in terms of net pay) Limits You choose a fixed amount to save for three years You can change you contribution any time and stop and start at any time Offer Discounted option price (usually 20% less than the For every two shares you buy, you get one free share price at the time of the offer) Shareholding You become a shareholder if you exercise your option You become a shareholder as soon as shares are Dividends Selling Tax to purchase shares after three years You start to receive dividends if you exercise your option and keep some or all of the shares at the end of the three year savings period You can sell shares after you exercise your option at the end of the three year savings period No income tax or NI but shares sold after exercise may be subject to capital gains tax purchased with your first contribution You become eligible for dividends straightaway (dividends are used to buy extra shares) You can sell the shares you buy any time, but you may lose the free shares you receive depending on the timing No income tax or NI to pay if you keep the shares for five years
2 How does One Plan work? For every two HomeServe shares you buy through One Plan, we ll give you one share completely free. There are no complicated application forms and no fees or charges to buy shares. It s just a simple way to invest for your future. How much can I contribute each month? You can invest from 10 to 150 each month (up to 1,800 a year or 10% of your annual salary before tax, if lower). You re not locked into paying the same amount for any length of time either. If you want to change your investment one month or not contribute anything at all, you can. Please see the question below for how to make a change to your contribution. Am I eligible to join One Plan? All permanent employees with three months service working for HomeServe, both full and part time, are eligible to participate in One Plan. How are shares purchased? We ll use the money that you contribute to purchase Partnership Shares. Your shares are bought on the London stock market. We ll purchase these shares on a set day each month which is the 20 th of the month (or the next business day if this falls over the weekend or on a public holiday). The price you pay is the market price of the shares at that time and will change each month.
3 In what currency will shares be purchased? We ll purchase your shares in Great British Pounds (GBP). How do I make changes to my monthly contribution? If you decide that you would like to increase, decrease or stop your monthly contributions you can do this by logging into your account at Once you have logged into your account, select Contributions and then select Change. Any instruction must be made before the 1st of the month to enable these changes to be made in your next salary. When and how can I sell my Partnership Shares? You can sell any number of your Partnership Shares and qualifying Matching Shares at any time by logging into your account. When you request to sell the shares we ll complete the transaction as soon as possible following your instruction, as long as the London Stock Exchange is open. We will then transfer the proceeds of the sale to your bank account. You will need to pay any costs for the sale and you will be able to see those costs online by logging on to your account. You can also request that your shares are transferred into your own brokerage account. Remember if you sell Partnership Shares before the end of the holding period, you will forfeit the related Matching Shares. For more details on selling your shares please refer to the brochure which can be found on the website. What stock exchange are the shares listed on? Your shares are listed and will be purchased on the London Stock Exchange (LSE).
4 What rights do I have with respect to my Shares? As a shareholder in HomeServe, you can direct the Trustee as to how you wish to vote on resolutions concerning the company. We will contact you each year prior to HomeServe s AGM so that you may direct the Trustee how you wish to vote on any resolutions. If I am on maternity leave can I contribute into the Plan through my bank account? You cannot contribute to One Plan through your own bank account as you can only use your pre-tax and NIC salary. You can make contributions to One Plan out of your maternity pay (the deductions will be made by the company from Statutory Maternity Pay (SMP) or any enhanced company maternity pay). Alternatively, you can suspend your contributions while you are away and restart your contributions when you return to work. What happens if I go on parental leave? You cannot contribute to One Plan through your own bank account as you can only use your pre-tax and NIC salary. You can make contributions to One Plan out of your paternity pay (the deductions will be made by the company from Ordinary or Additional Paternity Pay). During any period that you do not receive a salary or paternity pay, or if this is insufficient to make contributions, no deductions will be made. Alternatively, you can suspend your contributions while you are away and restart your contributions when you return to work. As soon as you return from leave and if your salary is sufficient, deductions will be taken again. Please note that you cannot make up any previously missed payments.
5 What are the risks? There are risks associated with owning shares. Share prices may go down as well as up. You should consider these risks before joining the plan and you should consult with an independent advisor if you are unsure how One Plan impacts on you personally. What records do I have to keep for the HM Revenue & Customs? For Capital Gains Tax (CGT) purposes and to comply with income tax self-assessment, you must keep; The dates and numbers of shares awarded to you under One Plan The market value of the shares on the relevant award dates Correspondence from the Plan Administrator about transactions involving the shares. Statements detailing the acquisition of all shares will be generated annually, and details of shareholdings, purchases and other transactions are available on the Computershare website at any time.
6 Does participation in One Plan impact on my terms and conditions of employment? No. Participating in One Plan won t impact the payments made under the terms of your contract of employment. For example, pensions, bonuses and overtime will continue to be linked to your gross basic salary and will not be affected by participating in One Plan. However, please note that deductions from your pay to purchase Partnership Shares may affect your entitlement to, or the level of some contributory social security benefits, statutory maternity pay and statutory sick pay. They may also have a similar effect on some contributory social security benefits paid to your spouse. The effect is particularly significant if your earnings are brought below the lower earnings for National Insurance purposes. Information on the effect of deductions from your salary to purchase Partnership Shares on your entitlement to social security benefits, statutory sick pay and statutory maternity pay may be obtained from any office of the HM Revenue & Customs, the Department of Work and Pensions. For additional information, please ask the HM Revenue & Customs for a copy of booklet IR177 entitled Share Incentive Plans and your Entitlement to Benefits What will happen to shares held in One Plan if I die? All the shares in your account, including Matching Shares, will be passed to your estate. The trustee will transfer the shares to your legal representatives upon the production of the necessary documentation. In these circumstances, there is no liability to income tax or NIC on the release of shares from One Plan.
7 If you ve got any questions about One Plan, get in touch with our specialist team at Computershare: Phone: * Web: Write: Computershare, The Pavilions, Bridgwater Road, Bristol, BS99 6AP *The Computershare team is available Monday to Friday, 8:30am to 5:30pm. Calls cost the same as calling an 01 or 02 number. If you have a free minutes call package, check with your provider that 03 numbers are included. The legal terms and conditions applying to One Plan are set out in the Partnership Share Agreement and the Plan Rules. In the event of any conflict between this FAQ document, the Partnership Share Agreement or the Plan Rules, the Plan Rules shall prevail. Please be aware that we cannot provide you with tax, legal, financial or investment advice in relation to One Plan. Therefore this FAQ document is for guidance only. It is not an advisory document and may not take account of your personal circumstances. We recommend that you obtain your own advice in these areas if you are unsure. Eligibility for social security benefits may be affected by joining One Plan.
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