INVESTING WITH IPS. This brochure supports the Key Investor Information Document.

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1 1 INVESTING WITH IPS LEGAL & GENERAL INVESTOR PORTFOLIO SERVICE (IPS) INVESTING WITH IPS. This brochure supports the Key Investor Information Document.

2 2 INVESTING WITH IPS WELCOME TO THE INVESTOR PORTFOLIO SERVICE (IPS). USING THIS DOCUMENT This document gives you important information to help you make an informed decision about investing. You should read this document carefully and then keep it safe for future reference. You should read this document alongside the following: The Key Investor Information Document (KIID) gives you the key information you need to decide whether a fund is right for you. It s essential that you read the KIID carefully so that you understand what you re buying. The Important Fund Information guide lists the funds available to you and shows the specific risks that apply to them. There is also a separate document that explains the Terms and Conditions that apply when you invest. You must also read this document. OTHER USEFUL INFORMATION The Platform Charge Explained document tells you more about the IPS Platform Charge. If you ve agreed to pay adviser charges the Guide to Facilitated Adviser Charges explains how we can facilitate payment of these for you. The Using IPS guide tells you more about investing with us and how to make changes to your investment. You ll find detailed technical information on each fund we offer in the fund s Prospectus. Please contact us if you d like a copy. The Prospectus is only available in English. If you need a copy of these documents please contact your adviser or Customer Services. CONTACTING US We re here to help. If you have a question or would like some information there are several ways to get in touch with us. Contact our UK Customer Services contact centre on: We re open Monday to Friday 9am to 5pm. Call charges will vary. We may record and monitor calls. If you re contacting us by , please remember not to send any personal, financial or banking information because is not a secure method of communication. Investor Portfolio Service Legal & General PO Box 1112 Chelmsford CM99 2UX ABOUT IPS IPS is an investment service that allows you to buy a selection of investments in carefully selected funds, and manage your investment online 24 hours a day. With IPS you can: Select and compare funds and invest online yourself. Keep track of your investments on our website. Buy, sell, switch and top up your investments online. The Legal & General Group, established in 1836, is one of the UK s leading financial services companies. As at 30 June 2015, the total value of assets across the group was billion, including derivative assets. We also had over nine million customers in the UK for our life assurance, pensions, investments and general insurance plans. Legal & General is one of the biggest providers of index-tracking investments in the UK, managing billion as at 30 June 2015.

3 INVESTING WITH IPS 3 AIMS, COMMITMENTS AND RISKS. UNIT TRUSTS AND OPEN-ENDED INVESTMENT COMPANIES (OEICs) With IPS you can invest in unit trusts and OEICs. These are types of investment funds that: Give you potential to make your money grow and receive an income. Offer you access, through the fund, to buy different types of assets, including company shares, fixed-interest securities, commercial property and cash. Can help you reduce risk by spreading your money over a range of assets types. Give you access to professionally managed funds so you don t have to choose individual assets yourself. You can either: Invest directly in unit trusts and OEICs; or Invest through an Individual Savings Account (ISA). An ISA is simply a way of investing in a fund taxefficiently. It allows you to invest in a unit trust or OEIC without any personal liability to income tax or capital gains tax on any income or growth. We only offer a stocks and shares ISA. INVESTMENT AIMS To grow your investment. To give you the option of taking an income. YOUR COMMITMENT You need to invest a lump sum, or make a regular payment every month, with a minimum of 20. You can keep your investment for as long as you want but you should consider it as a medium to long-term investment. You should be prepared to invest for at least five years, and ideally not tie yourself to a particular end date. RISKS There are some risks that you need to understand before you invest. The value of investments, and any income taken from them, can fall as well as rise and you may get back less than you originally invest. There are specific risks relating to the funds you can invest in. Generally, the greater the potential reward (investment growth or income) a fund offers, the higher the level of risk to your investment. The risk and reward profile in the KIID shows the fund s level of risk in relation to the potential reward.

4 4 INVESTING WITH IPS YOUR QUESTIONS ANSWERED. WHAT CHARGES WILL I PAY? Platform Charge Covers the costs of the services we offer, including setting up and administering your investments, the technology we use and providing you with a service. The Platform Charge Explained document shows you how the Platform Charge is calculated. Fund charges No initial fund charge. You ll pay the fund s ongoing charge as shown on the fund s KIID. The ongoing charge is taken into account in the unit price so you won t see it as a separate charge. Part of the fund s ongoing charge might be rebated to you. The Important Fund Information guide shows any rebates that apply. For more information on rebates, including how they are paid, please see part A of the Terms and Conditions. Advice charge You ll agree with your adviser how to pay for their services before you invest. We can facilitate payment of any initial and/or ongoing adviser charges that you agree. Please see the Guide to Facilitated Adviser Charges for more information. Service charge If your investment is arranged without advice though another financial services firm, you may pay a Service Charge to that firm for the services they provide. You ll receive details of this from them if applicable. HOW DO I PAY THE CHARGES? Platform, advice and service charges are paid from your IPS Cash Account each month. If there isn t enough money in your IPS Cash Account to pay the charges we ll automatically sell units from your investments. Please see part A of the Terms and Conditions for more information on how and when the charges are paid. HOW MUCH CAN I INVEST IN AN ISA? You can invest up to 15,240 in an ISA this tax year (2015/16). You can split the allowance as you wish between a cash and stocks and shares ISA. You can only invest in one stocks and shares ISA and one cash ISA in each tax year (a tax year runs from 6th April to 5th April the following year). Our ISA Cash Reserve allows you to hold your ISA money as cash within our stocks and shares ISA. CAN I TRANSFER AN EXISTING CASH OR STOCKS AND SHARES ISA TO IPS? Yes, you can transfer an existing ISA held with another company to us by completing an ISA transfer application form. If you re transferring an ISA that holds current tax year subscriptions, you must transfer that amount in full. Your money won t be invested while the transfer is processed. If there s a rise in the markets before the ISA transfer is complete, you could potentially miss out on some income or growth. If you transfer an ISA to us, your existing manager may charge an exit fee on transfers. CAN I MAKE REGULAR SAVINGS INTO AN INVESTMENT? Yes, if you want to invest a regular monthly amount you can do so by Direct Debit from an account of your choice. You can choose when you want to invest each month. There s no need to complete a new instruction each year. We will simply roll over your regular savings instruction into the new tax year until you ask us not to.

5 INVESTING WITH IPS 5 WHERE S MY MONEY HELD WHEN IT S NOT INVESTED? When you first invest with IPS, an IPS Cash Account is set up for you. This is where your money is held when it s not invested. Your IPS Cash Account helps you manage the movement of your cash into and out of investment funds, and pay any charges. Cash held in your IPS Cash Account will earn interest daily. This interest will be credited to your balance monthly in arrears. For more information please see part A of the Terms and Conditions. You can see details about the interest rates online at or by contacting Customer Services. CAN I TAKE AN INCOME? Yes, if you choose a fund that pays income you can have it paid into your Nominated Bank Account. Alternatively, you can choose to automatically reinvest the income or hold it in your IPS Cash Account. HOW DO I FIND OUT HOW MY INVESTMENTS ARE DOING? We send you a statement each year. You can also log in to your account via our secure website to see your investments at any time. WHAT TAX WILL I PAY? The tax treatment on your investments depends on your personal situation and where your money is invested. All tax assumptions we ve made are those that currently apply. Tax law does change, which may affect you, so it s a good idea to get regular advice. Interest distributions are paid after income tax is taken at a rate of 20%. All dividend distributions carry a notional tax credit (tax that is treated as already paid) at a rate of 10%. Stocks and shares ISAs: No personal liability to capital gains tax on any growth. No further tax on interest or dividend distributions. We reclaim the 20% tax that was deducted on interest distributions for you. Unit trusts and OEICs: You ll have a personal liability to capital gains tax on any growth above the capital gains tax allowance. Basic rate taxpayers no further income tax on interest or dividend distributions. Higher-rate taxpayers additional 20% income tax on interest, additional 22.5% on dividends. Additional-rate taxpayers additional 25% income tax on interest, additional 27.5% on dividends. IPS Cash Account Interest is paid net of 20% income tax. IPS Cash Reserve Income tax isn t payable on interest. CAN I CANCEL MY INVESTMENT? You can cancel your initial investment within 14 days by writing to us at the postal address on page 2. Once you ve invested we ll send you a cancellation notice confirming your right to cancel. The 14-day cancellation period starts when you receive your confirmation note. If you cancel your initial investment and it has fallen in value you will receive less than you originally invested. If you don t cancel within the 14-day period you will be subject to the investment risks detailed in this brochure, the KIID, and the Important Fund Information guide. HOW DO I WITHDRAW MONEY OR CLOSE MY ACCOUNT? You can take money out by selling some or all of your investments. The minimum you can take out is 20. We can pay your money into your IPS Cash Account or into a nominated bank account held in your name. You can use a Withdrawal Form or send us a letter to the postal address on page 2. The form is available online, from Customer Services or your adviser. If you want to transfer your investment to another manager please contact them to arrange the transfer with us. The minimum you can transfer out is 20. To close your account please write to us at the postal address on page 2.

6 6 INVESTING WITH IPS FURTHER INFORMATION. COMPLAINTS If you have a complaint about any part of our service, or you d like us to send you a copy of our internal complaint handling procedure, please contact us by telephone or in writing. Our contact details are on page 2. Any complaint we cannot settle can be referred to: The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR or Making a complaint will not affect your right to take legal proceedings. We ll tell you about your rights when we answer your complaint. OUR REGULATOR Legal & General (Portfolio Management Services) Limited is authorised and regulated by the Financial Conduct Authority (FCA). We re entered on the Financial Services Register under number You can check this at: Or calling: Or writing to: The Financial Conduct Authority 25 The North Colonnade Canary Wharf London E14 5HS SECURITY OF YOUR MONEY When your money is not invested in a fund we hold it in a protected client money account with a third party bank. It s held under trust and kept separate from our own money in accordance with the FCA s client money rules and guidance. Money held in the IPS Cash Account and ISA Cash Reserve is held in this way. For more information on client money accounts please see part A of the Terms and Conditions. DIRECT DEBIT GUARANTEE This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Legal & General will notify you five working days in advance of your account being debited or as otherwise agreed. If you request Legal & General to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Legal & General or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you re not entitled to, you must pay it back when Legal & General asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Legal & General.

7 INVESTING WITH IPS 7 FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) The Financial Services Compensation Scheme (FSCS) is the UK s compensation fund for customers of authorised financial services firms. When your money is not invested in a fund Most depositors, including individuals and small businesses, are covered by the FSCS. The FSCS covers the first 85,000 (reducing to 75,000 from 1 January 2016) of each customer s claim against a bank or building society. Any money you hold in other accounts with the bank providing the client money bank account would count towards this limit. Some banks and building societies operate under a number of trading names. The total FSCS compensation claim will include claims against all of these trading names. Information on the banks that hold the client money accounts is available online at or from Customer Services. When your money is invested in a fund The FSCS covers most types of investment business for the first 50,000 of each customer s claim, so the maximum compensation is 50,000. Your ability to claim from the FSCS, and the amount you may be entitled to, will depend on the specific circumstances of your claim. You can find out more about the Financial Services Compensation Scheme (including amounts and eligibility to claim) by visiting its website: or calling: CONFLICTS OF INTEREST Conflicts of interest may arise between you and us, our employees, our associated companies or our representatives. To ensure we treat investors consistently and fairly, we are required to have a policy on how to identify and manage these conflicts. Please see part B of the Terms and Conditions for a summary of our policy. A copy of the full policy is available on request from the postal address on page 2. LAW AND LANGUAGE The contract you enter into with us is governed by English Law. All customer communications are only available in English. All communications from us will normally be by letter, telephone or . CLIENT CATEGORISATION There are various categories of client set out in the financial regulations. If you buy this Legal & General product, we will treat you as a retail client. Being a retail client gives you the greatest level of protection under the regulations and ensures you get full information about any products you buy. You can choose to be categorised as a professional client or an eligible counterparty, but this means you receive less information about our products and services. Also, you would not be entitled to receive a suitability report or appropriateness assessment where these would be required for retail clients. If, under the regulations, you are a professional client or eligible counterparty, we will still treat you as a retail client, although this would not necessarily mean that you would be eligible to refer any complaints to the Financial Ombudsman Service or to make a claim under the Financial Services Compensation Scheme

8 8 INVESTING WITH IPS Legal & General (Portfolio Management Services) Limited Registered in England and Wales No Registered office: One Coleman Street, London EC2R 5AA We are authorised and regulated by the Financial Conduct Authority. P529 Q37199 Version 11/15 H

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