Today Walker Crips Group plc is a fully listed UK public company comprised of five business units.

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1 Walker Crips predecessors first bought and sold shares for clients on the London Stock Exchange in Through acquisitions, the company can now trace its roots as far back as the 18th century, making it one of the City of London s oldest independent companies. Today Walker Crips Group plc is a fully listed UK public company comprised of five business units.

2 We want you to feel confident that the financial decisions you take are suitable and appropriate for you and your future, by considering your own objectives and risk horizons when planning and implementing your investment strategy. Where suitable we can select from our complementary products and services to build a customised financial programme around you and your requirements. STOCKBROKERS When buying and selling stocks and shares, you want to have assurance that your decisions are right to achieve your investment objectives. With a choice of services to suit how you want to manage your portfolio, you have the opportunity to make your own decisions and equally, if you would like the support of an independent professional you can seek the advice of your personal broker to make sure you are certain of your selections. Over time, as your portfolio and your confidence grows, or your circumstances change, you can move to another of our services either increasing or decreasing control over your portfolio. INVESTMENT MANAGEMENT A wide range of services where you can choose your level of involvement in managing your investments. You can take all the investment decisions yourself and simply give us your instructions, you can access our advice or entrust your portfolio to our expert discretionary portfolio managers. As an independent investment manager, who is not tied to any existing funds or products, we can offer you transparency and flexibility to ensure that your objectives are met efficiently and successfully. PENSIONS Enabling you to tailor your pension plan to make your retirement successful without taking up your valuable time, Walker Crips Pensions take on as much of the administrative work as possible for your SIPP or SSAS, keeping you up to date through all processes and leaving you with ultimate control. Through our SIPP and SSAS services you have access to one of the widest choices of investments and a say in how your retirement benefits are paid allowing a bespoke and comprehensive investment strategy. STRUCTURED INVESTMENTS Are you looking to invest in the future growth of an asset, but also require some level of protection to your capital? Structured Investments complement your existing investment portfolio and help you plan for the future, allowing you to invest without needing to keep a constant eye on the markets, make the most out of your personal allowances to keep your investments as efficient as possible and see the rewards you receive apply to every pound you invest without being subject to annual fees and charges. WEALTH MANAGEMENT A truly integrated wealth management service with life stage planning to suit your needs, our holistic financial planning process is complemented by our investment management solutions enabling you to plan for your children s education, increase your tax efficiency, ensure you achieve the retirement you want and even prepare for inheritance tax. We aim to help all our clients achieve financial security but understand that your own financial desires, investment tolerance and future aspirations will be unique. Finsbury Tower, Bunhill Row, London EC1Y 8LZ client.services@wcgplc.co.uk Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.

3 Walker Crips has a long and rich history that we are very proud to be part of. Through the years we have collected records, documents and photographs that illustrate our history. In these archives we have a letter received in 1990 that depicts our early history from the memories of one of our long serving brokers.

4 The Royal Exchange 1914 Bank underground station 1923 Air raid damage at Bank 1941 Bank underground station 1967 The stockbroking firm of Weddle Beck & Company was formed in June 1914, two months before the start of World War I in August of that year. Dudley Weddle was the senior, and Gerald Beck the second senior partner. With war breaking out, Gerald Beck, already a Territorial, had to leave for the war and served as a Major in the Royal Artillery. Unfortunately he died during the war and the running of the business was left in the hands of a colleague, Dudley Weddle also being absent in the Army. However, as soon as the war ended, Dudley Weddle worked hard on getting the business back into shape. In the early days of the firm a brisk arbitrage business was conducted with Paris and there was a Banking business with the Joint Stock Banks consisting of Barclays, Lloyds, Midland and National Provincial Banks. Through a personal introduction of a member of the firm to a Japanese Prince, a large business was conducted with the Yokohama Specie Bank in British Government stocks and Japanese Government bonds in particular. After the war was over this business was conducted through the Bank of Tokyo. In addition to the Private Clients and Banking business, there was an active Country Brokers business with firms centred on Manchester, Glasgow and Cardiff. About 1933 a department was established to deal with company new issues. The shares of a number of established companies were brought to the Stock Exchange for quotation and the firm acted as official stockbrokers to these firms. Amongst them were Westland Aircraft, Weyburn Engineering makers of Rolls Royce aeroengine camshafts, pottery manufacturers, steel markers, timber merchants, ladies gown makers and men s clothing makers. During World War II the business was carried on by Dudley Weddle as senior partner, assisted by his other partners, John Roper and W.F.M. Sedgwick while Norman Weddle, who had joined a Territorial Battery prior to the war, was in the Army for the duration of it from 1939 until 1945 serving in the U.K., India and Burma, latterly as a Battery Commander with the rank of Major. Walker Crips is a constantly evolving presence in the financial services industry. Being one of the first stockbrokers to expand our services online in the early 90 s and spotting the benefit for our customers to have access to our own PEPs, now ISAs, we became a fully listed plc in We have widened our financial services offering with our Pensions and Wealth Management divisions and continue to diversify by recruiting and supporting great talent, such as the successful divisions of Investment Management and Structured Investments. However proud we are of our achievements and successes, it is the achievement of your success that drives us forward and pushes us to evolve to ensure we continue to look after you, and your investments. By the 1960 s Dudley Weddle (who was approaching the age of 90) had considered retiring and it was considered it would make sense to amalgamate with another stockbroking firm of similar size. Nothing could be more natural, therefore, than a merger with Walker, Crips and Company, a firm of similar size and where the senior partners of both firms had been friends for some considerable years. The amalgamation of the two firms was effected on 28th November 1966 and it became Walker, Crips, Weddle, Beck & Company. Images TfL from the London Transport Museum Collection Finsbury Tower, Bunhill Row, London EC1Y 8LZ client.services@wcgplc.co.uk Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.

5 STOCKBROKERS You are at the heart of our business and each service is tailored to fit around you and what you need to achieve to succeed in your investment objectives. Your initial consultation will firstly examine your income and growth requirements moving on to define your goals, consider your approach to risk and establish how much involvement you would like in the day to day running of your portfolio.

6 STOCKBROKERS DISCRETIONARY Ideal for the investor who would prefer a hands off approach. We will manage your portfolio on your behalf, controlling the day-to-day decisions for you with expertise and care to achieve the goals you set us. Our attention is focused on your objectives so we can respond to circumstances and market shifts quickly and smoothly, leaving you to concentrate on your other priorities. ADVISORY For when you are confident in controlling your own investment initiatives and would also like to request isolated advice on a wide range of potential investments. You are involved in every portfolio development. Final decisions are yours, but we will be on hand for advice and counsel. INVESTMENT MANAGED For a more active role in the investment process. Your portfolio manager follows an agreed brief and you are consulted for any changes that our advisers consider and your approval is final. You retain ultimate control, but know that your investments are being expertly watched. EXECUTION ONLY From investors wishing to buy or sell small numbers of shares to active and daily traders, our telephone and internet services provide quick and easy dealing for those comfortable making their own investment decisions. If you are an active trader and looking for leveraged opportunities within your portfolio, you can also take advantage of our Contracts for Difference and Traded Options services. To discuss a service that interests you or schedule your initial consultation please contact your Walker Crips account executive or call the private client team on Finsbury Tower, Bunhill Row, London EC1Y 8LZ client.services@wcgplc.co.uk Walker Crips Stockbrokers Limited is a member of the London Stock Exchange and is authorised and regulated by the Financial Services Authority. Member of the Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.

7 WEALTH MANAGEMENT Our wealth management team provide you with specialist, independent advice on all aspects of financial planning to help you choose the right strategy to maximise the potential benefits of your wealth throughout your life.

8 WEALTH MANAGEMENT Our team of specialists take time to consider the future for you and your family. Guiding you to choose the most effective options to support you to: save for school fees and cope with the mounting costs of higher education discover the most tax-efficient savings options for your situation such as ISAs or Unit and Investment Trusts, Insurance Bonds and other savings, growth or income products efficiently plan for your retirement to be comfortable and active dramatically increase the amount of money left to your family through inheritance tax planning Businesses and business owners also benefit from sound financial planning to encompass pension and employee benefit schemes, corporate investments, financial protection and insurance policies that can develop a strategy to help ensure future stability and success. Our initial consultations will assess your appetite for risk, investment horizons, performance targets and tax requirements so we can establish the correct portfolio for your needs. With regular assessments and pro-active management our impartial advice will maintain the momentum of your savings and investments to help you achieve your life ambitions. To start building confidence in your future, please call and speak to one of our wealth management consultants on Foss Islands House, Foss Islands Road, York YO31 7UJ advice@wcgplc.co.uk Walker Crips Wealth Management is authorised and regulated by the Financial Services Authority. Member of the Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.

9 PENSIONS Our aim at Walker Crips Pensions is to help you achieve your retirement goals, by working with you and offering a personal and efficient administration service, we help you find the most advantageous ways for you to control Your initial consultation will firstly examine your income or growth requirements and tax position, moving on to define your goals, consider your approach to risk and establish how much A SIPP or SSAS gives you the freedom to choose involvement you would like in the day to day where your pension funds are invested, running of your portfolio. keeping you in control of your benefits. how you use and grow your pension.

10 PENSIONS SELF INVESTED PERSONAL PENSION (SIPP) Designed for individuals looking to control their pension fund investment. SIPPS offer significant benefits in pension and tax planning by allowing considerable flexibility for pension fund investments, in addition to when and how benefits are taken. With flexible charging structures available (from entrylevel for cash and unit trusts through to a bespoke service that can hold the full range of permitted investments including commercial property), you have the ability to switch between these as your circumstances change. SMALL SELF ADMINISTERED SCHEME (SSAS) Primarily designed for company directors or owners to both build a pension fund for their retirement and also to help with the running of their business, a SSAS allows flexibility, tax-efficiency and control. Acting as Scheme Administrator for your SSAS we will maintain your investment records, keep you and your investments up to date and in line with any tax changes, file your quarterly and annual reports with HMRC and we endeavour to protect you from any potential unauthorised payment issues. Unlike many other providers, we feel that this is an integral part of our role to ensure your SSAS is running smoothly. The key benefit of using a SIPP or SSAS, beyond the tax advantages of retirement drawdown facilities, is the greater scope of investments available to you that also have the potential to grow tax-free. We offer one of the widest ranges of investment options for you to choose from. We research all our eligible investments to ensure that you get the best out of them and, most importantly, avoid any possible tax penalties. When faced with a choice of investments and possible routes your dedicated pensions consultant can advise you as to what would be the best decision, so you do not lose any tax advantages that may be relevant to your situation. If you need to consolidate existing pension plans that perhaps have more restricted choices and growth potential, we can help you with the transfer process to Walker Crips Pensions. Our pension schemes can also be used to complement the stockbroking and fund management services that you may already receive from Walker Crips. For more information and our most recent literature visit or if you would like to discuss the opportunities that our pension services can provide, please call us on Foss Islands House, Foss Islands Road, York YO31 7UJ pensions@wcgplc.co.uk Walker Crips Pensions is a trading name of Ebor Trustees Limited which is authorised and regulated by the Financial Services Authority. Member of the Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.

11 STRUCTURED INVESTMENTS Walker Crips have been creating and using structured investments for a number of years, but they were previously only available through our stockbroker division. Your initial consultation will firstly examine Due to your their income popularity or growth and success requirements we have and built tax a specialist position, moving team to on offer to define them to your the goals, wider consider market, working your with approach professional to risk and intermediaries establish how to create much carefully involvement considered you would investment like the opportunities. day to day running of your portfolio.

12 STRUCTURED INVESTMENTS Structured Investments provide a low cost way of accessing the growth potential of equity markets while managing risk levels. Offering a pre-defined return linked to asset performance, whilst maintaining a level of capital protection should the asset not perform, your return is based on the total amount of your initial capital invested, with no annual charges or fees to effectively reduce your return. Our plans can be used to access a variety of markets and underlyings, to make the most out of modest market movement, to enhance returns from volatile conditions, to balance your risk profile in your portfolio of investments, to use your Stocks and Shares ISA effectively or through your pension scheme to create longer term growth. We offer a range of plans that offer different types of assets and levels of exposure, risk, return and protection. Investments are available from 5,000 and for investments over 1,000,000 we can construct a bespoke investment based on the asset, exposure, risk and return that you would like. As an independent provider, we are well placed to take advantage of the possibilities presented by changing market conditions. We continue to work with the world s leading investment banks with strong credit ratings to deliver the best returns and what we believe to be the best product that we can create for you at any time. Call us to discuss your potential investments on You can also visit to find out about our current investment plans. Finsbury Tower, Bunhill Row, London EC1Y 8LZ wcsi@wcgplc.co.uk Walker Crips Structured Investments is a trading name of Walker Crips Stockbrokers Limited which is a member of the London Stock Exchange and is authorised and regulated by the Financial Services Authority. Member of the Walker Crips Group plc. Registered in England. Registration Number Facts and information given in this document are accurate at the time of printing but may be subject to legislative and other changes in the future.