POLICY TRUST RELEVANT LIFE FOR USE ONLY WITH PROTECTION FOR POLICIES ESTABLISHED TO PROVIDE RELEVANT LIFE COVER. Policy Number: Life Assured Name:

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1 RELEVANT LIFE POLICY TRUST FOR USE ONLY WITH PROTECTION FOR POLICIES ESTABLISHED TO PROVIDE RELEVANT LIFE COVER Policy Number: Life Assured Name: Life Assured Date of Birth:

2 Write the date the last person signs the execution clause at the end of this Deed. This date must be no later than the Policy is applied for. The Settlor is the person who is creating the Trust. This will be the person or company i.e. the employer making the application for Protection Policy. The Settlor s details should be inserted in box B. In most cases, this will be the name and principal place of business of the person, firm or company making the application. Note that where the employer is a limited company, the limited company (not a director) must be the applicant for the relevant life policy and the limited company (not a director) will be the settlor of the relevant life policy trust. In Box C, insert the full names and addresses of the persons who have agreed to act with you as Trustees. As Settlor, you are automatically a Trustee and do not need to repeat your details here. We recommend that you appoint at least one additional Trustee. Where more than two additional Trustees are required, these should be appointed by separate deed after the Trust is established. Full details of all of the additional Trustees are required for prevention of money laundering purposes. Please refer to the notes in the margin when completing this form. Boxes A E should be completed clearly and correctly as described. Any amendments or correction of errors made before the Deed is signed should be initialled by you and the additional Trustees. Once completed, the Relevant Life Policy Trust should be signed by the Settlor and any additional Trustees in the spaces provided on the last page. Note that the Settlor should sign once only. Signatures should be witnessed by an independent person who should sign and then print his or her full name and address. BOX A DATE OF RELEVANT LIFE POLICY TRUST Date (DD MM YYYY) BOX B SETTLOR Full name Address BOX C ADDITIONAL TRUSTEES First additional Trustee Full name Address Date of birth (DD MM YYYY) Country of residence (if different or not UK) Nationality Occupation Second additional Trustee Full name Address Date of birth (DD MM YYYY) Country of residence (if different or not UK) Nationality Occupation 1

3 The beneficial class is widely drawn to include the Life Assured and his or her family. However, if you wish a particular person or category of person not included in the existing list (other than yourself) to be capable of benefiting from the Trust Fund, the additional category or the full name of the additional person should be inserted in the space available. If, at the end of the Trust Period, any part of the trust capital has not been appointed to a discretionary Beneficiary, any remaining balance will be distributed amongst the surviving descendants of the Life Assured and, if none, amongst the surviving members of the beneficial class. BOX D BENEFICIARIES i. the Life Assured ii. the spouse, widow, widower, civil partner or surviving civil partner of the Life Assured iii. the children of the Life Assured (including any adopted children) iv. the spouses, widows, widowers, civil partners and surviving civil partners of the Life Assured s children v. Name of beneficiary You should insert the date of your application and the name of the Life Assured in Box E. BOX E POLICY DETAILS Application date Life Assured Policy/App Number Product Name THIS DECLARATION OF TRUST is made on the date shown in Box A BETWEEN the Settlor described in Box B and the Settlor and the additional Trustees described in Box C. WHEREAS: 1 The Life Assured is currently employed by the Settlor 2 The Settlor wishes to provide for a benefit to be paid under the Policy in the event of the Life Assured s death or terminal illness, in accordance with the Trusts hereby declared 3 The Settlor hereby confirms that: as long as the Life Assured remains a) in the employment of the Employer (as defined overleaf) the Employer will pay the premiums in respect of the Policy, and that b) the main purpose of the present arrangement is not avoidance of tax but provision of the stated benefit to be paid on the Life Assured s death or terminal illness. 2

4 NOW THIS DEED WITNESSES as follows: DEFINITIONS 1 In this trust form: 1.1 the Settlor means the person or persons named in Box B 1.2 the Trustees means the Settlor and the person or persons named in Box C or the Trustee or Trustees for the time being of these Trusts 1.3 the Beneficiaries means the persons objects or classes of persons or objects specified in Box D 1.4 the Policy means the life insurance policy issued pursuant to the application described in Box E being a relevant life policy as defined in Section 393B(4) of the Income Tax (Earnings and Pensions) Act the Trust Fund means: all the benefits rights and interests of the Trustees under and in the Policy and all monies assured by or payable under it all property at any time added to this Trust whether by way of further assignment to the Trustees or retention of income and capital accretion or otherwise and all monies investments and property for the time being representing the same or any part or parts thereof 1.6 the Employer means the Settlor and any other firm or limited company to whom the business of the Settlor is transferred and which continues to employ the Life Assured, including any business to whom the Life Assured is seconded by the Employer, provided that such a firm or company is UK resident or its operations are based in the UK and the premiums under the Policy are paid using a UK bank account 1.7 Corporate Trustee means a trust corporation or other company authorised to undertake trust business 1.8 the Company means any company which is a subsidiary (as that term is defined in section 1159 of the Companies Act 2006) of Lloyds Banking Group plc 1.9 the Trust Period means the period of 125 years following the date shown in Box A. DECLARATION OF TRUST 2 The Settlor appoints the Trustee(s) as the initial trustee of the Trust and requests the Company to issue the Policy to the Trustees to be held by them subject to the terms of the trust set out below. GOVERNING LAW 3 The Trusts declared below shall be governed by the law of England and the construction effects and administration of these trusts shall be subject to the jurisdiction of and in accordance with English law. TRUST PROVISIONS 4 The capital and income of the Trust Fund shall be held upon the following Trusts: 4.1 For the benefit of such one or more of the Beneficiaries, exclusive of the other or others of them. In such shares or proportions if more than one and with and subject to such powers and provisions for their respective maintenance, education or other benefit or for the accumulation of income for any period expiring before the end of the Trust Period (including administrative powers and provisions and discretionary trusts and powers to be executed or exercised by any person or persons whether or not being or including the Trustees or any of them) and in such manner generally as the Trustees (being at least two in number or a Corporate Trustee and subject to the application (if any) of the rule against perpetuities) may in their absolute discretion by any deed or deeds revocable during the Trust Period or irrevocable appoint PROVIDED ALWAYS that no exercise of this power shall invalidate any prior payment or application of all or any part or parts of the capital or income of the Trust Fund made under any other power or powers conferred by these Trusts or by law 4.2 Until and subject to and in default of any such appointment the following provisions shall apply to the income of the Trust Fund during the Trust Period: The Trustees shall pay or apply the income of the Trust Fund to or for the benefit of all or such one or more of the Beneficiaries, exclusive of the other or others of them in such shares, if more than one, and in such manner generally as they shall see fit Notwithstanding the provisions of sub-clause above during the Trust Period the Trustees may in their absolute discretion accumulate the income and shall hold any such accumulations as an accretion to capital 4.3 Notwithstanding the Trust s powers and provisions declared and contained in this clause, the Trustees (being at least two in number or a Corporate Trustee) may in their absolute discretion: pay or apply the whole or part of the capital of the Trust Fund to or for the benefit of all or such one or more of the Beneficiaries in such shares if more than one and in such manner generally as they shall think fit (subject to the application (if any) of the rule against perpetuities) pay or transfer any income or capital of the Trust Fund to the Trustees of any other trust wherever established or existing under which all or any one or more of the Beneficiaries is or are interested if the Trustees consider such payment or transfer to be for the benefit of all or such one or more of the Beneficiaries 3

5 4.4 Subject as above at the end of the Trust Period the Trustees shall hold the Trust Fund absolutely for such of the children of the life assured as are living at the end of the Trust Period and if more than one in equal shares and if none shall be living for such of the Beneficiaries as are then living and if more than one in equal shares and if none shall be living for the last of them to die 4.5 The Trustees will at all times exercise their powers so as to comply with Section 482(2) and (3) of the Income Tax (Trading and Other Income) Act TRUSTEES POWERS 5 The Trustees shall have the following additional powers: 5.1 to invest in policies of life insurance or any other kind of investment (heritable or moveable real or personal including wasting assets and whether income-producing or not) in any part of the world as if they were absolute owners beneficially entitled (and without any need to diversify investments) 5.2 to vary manage and deal with investments from time to time in their absolute discretion with power to dispose of or enter into any arrangement with respect to any of their rights as holders of the Policy or any other insurance policy or other asset as if they were absolute owners beneficially entitled and in particular (but without limiting the foregoing), in the case of the Policy or any other insurance policy, to exercise any of the options and powers conferred by it and to encash surrender, sell, convert or otherwise dispose of it or any part of it or any of their rights as holders of it as they may in their discretion think fit 5.3 to borrow or raise monies for any purposes of these Trusts (including investment) on such terms as the Trustees in their absolute discretion think fit 5.4 to lend any capital monies to any Beneficiary either free of interest or on such terms relating to interest and to repayment and either with or without security as the Trustees in their absolute discretion think fit 5.5 to accept as a good and sufficient discharge a receipt given by any parent or guardian of any Beneficiary who has not attained the age of legal capacity in respect of capital or income payable to or for the benefit of such Beneficiary and the receipt of the treasurer or other proper officer in respect of capital or income payable to a Beneficiary which is a charity 5.6 to delegate in any way and to any extent to any persons or corporations (including a Trustee) wherever situate or resident the exercise of any of the powers of the investment or management of the property for the time being forming part of the Trust Fund and to allow any such property to be registered in the name of or to be held by any person firm or corporation as nominee for the Trustees and to hold any investments in certificated or uncertificated form 5.7 to appropriate property subject to the Trusts hereto to any of the Beneficiaries in or towards the satisfaction of his or her interest in the Trust Fund 5.8 to declare by deed or deeds at any time or times before the expiry of the Trust Period that a Beneficiary shall be wholly or partially excluded from future benefit under the Trusts herein declared any such power shall not be capable of being exercised so as to derogate from any interest to which any object or person or class of persons has previously become indefeasibly entitled whether in possession or in reversion or otherwise 5.9 to acquire property jointly with another person (including a person anywhere in the world and including a Trustee) and to merge property subject to the Trusts herein declared with other property 5.10 to improve any property subject to the Trusts hereto as the Trustees think fit and to refrain from repaying capital expenses out of income 5.11 to carry on a trade in any part of the world either alone or in partnership 5.12 to carry on the administration of these Trusts in any part of the world as the Trustees think fit 5.13 to pledge mortgage charge or grant security over any property subject to the Trusts herein declared either as security for any liability the Trustees may incur or to secure any money borrowed or to be borrowed by any of the Beneficiaries entitled (or capable on the exercise of any power or discretion of becoming entitled) to any of the income which is or might be produced by the property in question 5.14 to refrain from enquiring into the conduct and management of any company in which they are interested (unless they are aware of circumstances which would require enquiry) and to refrain from procuring distribution from any company in which they are interested 5.15 at any time or times during the Trust Period by deed or deeds to revoke or vary any of the administrative provisions of these Trusts or to add any further administrative provisions as the Trustees may consider expedient for the purposes of these Trusts. 4

6 CONFLICTS OF INTEREST 6.1 Any transaction by the Trustees which is authorised by these Trusts or by the general law may take place even though one or more of them acts in a dual capacity but only if there is at the time at least one of them who does not act in a dual capacity and who is satisfied that its terms are fair and for the purpose of this sub-clause 6.1 a person acts in a dual capacity if he or she is an individual who takes part in a transaction both in his or her capacity as one of the Trustees and in a personal capacity or takes part in his or her capacity as one of the Trustees in a transaction which involves a company of which he or she is a director or shareholder or a partnership of which he or she is a member 6.2 Any transaction by the Trustees which is authorised by these Trusts or by the general law may take place even though one or more of them acts in a dual capacity and for the purposes of this sub clause 6.2 a person acts in a dual capacity if he or she takes part in a transaction both as one of the Trustees and in another fiduciary capacity as a Trustee of another trust or settlement or as someone s personal representative or executor 6.3 Subject to the above or as otherwise expressly provided any Trustee may join or concur in exercising any power or discretion hereby or by law given to the Trustees even though he or she may have a direct personal or other interest in the mode or result of exercising the power or discretion. APPORTIONMENT 7.1 Income shall be treated as arising when it is received and shall not be apportioned and the Apportionment Act 1870 and any other enactment or rule of law about apportionment shall not apply 7.2 Expenditure shall be treated as arising when payable. TRUSTEES LIABILITY 8 No Trustee shall be liable for any loss or damage to the capital or income of the Trust Fund which arises through the exercise in good faith of any power given by these Trusts or by the general law and none who acts gratuitously shall be liable for any such loss or damage unless it arises through an act or omission which amounts to conscious wrongdoing. TRUSTEES CHARGING CLAUSES 9.1 Any Corporate Trustee other than the Settlor shall be entitled, in addition to reimbursement of its proper expenses, to remuneration for its services in accordance with its published terms and conditions for trust business in force from time to time 9.2 Any Trustee acting as a trustee in a professional or business capacity other than the Settlor shall be entitled to charge and be paid all usual professional or other charges for business done services rendered or time spent by him or her or his or her firm in the administration of these Trusts including acts which a Trustee not engaged in any profession or business could have done personally. APPOINTMENT OF NEW OR ADDITIONAL TRUSTEES 10.1 The power to appoint new or additional Trustees shall be vested in the Trustees 10.2 A person may be appointed as a Trustee even if neither resident nor domiciled nor carrying on business nor incorporated in the United Kingdom 10.3 The power of appointing additional Trustees shall not be exercisable only because a Trustee remains out of the United Kingdom for more than 12 months. REMOVAL OF TRUSTEES 11.1 During the term of the Policy, the Employer shall have power to dismiss any Trustee by giving 30 days notice in writing to such Trustee as long as there shall be at least one corporate or two individual Trustees remaining 11.2 Where a new employer is appointed as a Trustee, the new employer, as Trustee, will have the right by giving 30 days notice in writing to the previous employer to remove the previous employer where they have not retired themselves as a Trustee After the benefit of the Policy has been paid to the Trustees then provided there are at least two individuals or a trust corporation acting as Trustees in addition to the Employer, the Employer may be dismissed from his office as Trustees by the remaining Trustees. Such dismissal must be made by deed a copy of which will be sent to the Employer. PAYMENT ON INSTRUCTION OF TRUSTEES 12 The receipt of the Trustees or any person or persons or organisation nominated in writing by the Trustees jointly for the purpose of receiving payment of any monies shall be an absolute discharge to the person making the payment for the payment of such monies and that person shall thereafter be under no obligation or duty to be concerned with the application of such monies. EXCLUSION OF SETTLOR 13.1 No discretion or power by these Trusts or by law conferred on the Trustees or any other person shall be exercised and no provision of these Trusts shall operate directly or indirectly so as to cause or permit any part of the Trust Fund or the income thereof to be lent to or in any way paid or payable to or applied or applicable for the benefit of the Settlor in any way in any circumstances whatsoever 13.2 The prohibition in this clause shall apply notwithstanding anything else contained or implied in these Trusts. 5

7 TRUSTS OF LAND AND APPOINTMENT OF TRUSTEES ACT 14 Section 11 of the Trusts of Land and Appointment of Trustees Act 1996 shall not apply to these trusts SIGNED and DELIVERED AS A DEED by the said Authorised signatory/signatories of the Settlor Name Signature Name Signature Name Signature in the presence of: Witness name Witness signature Witness address SIGNED and DELIVERED AS A DEED by the said Trustee name Trustee signature in the presence of: Witness name Witness signature Witness address SIGNED and DELIVERED AS A DEED by the said Trustee name Trustee signature in the presence of: Witness name Witness signature Witness address Disclaimer This document is produced by Scottish Widows as a standard form for policies effected to provide relevant life cover only. It is a document with legal significance which may affect the rights, obligations and tax position of the Settlor and Beneficiaries. You should not sign this form unless you understand its effects and are satisfied that it achieves your objectives. Your attention is drawn particularly to clause 8 which exempts the Trustees from liability in some circumstances. Scottish Widows strongly recommends that independent professional advice is sought if there are any doubts about the form or its consequences. 6

8 Scottish Widows Limited. Registered in England and Wales No Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number /16

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