EPS Membership Pack (2014)

18
MEMBERSHIP PACK & INFORMATION Presented by Administered by FIRST ACT

description

 

Transcript of EPS Membership Pack (2014)

Page 1: EPS Membership Pack (2014)

MEMBERSHIP PACK & INFORMATION

Presented by

Administered by FIRST ACT

Page 2: EPS Membership Pack (2014)

Q1 WHAT TYPE OF SCHEME IS THE EPS?

A Personal Pension Plan, which is also fullyStakeholder compliant.

Q2 WHAT ARE ‘STAKEHOLDER’ PENSIONS?

Stakeholder Pensions were introduced in April2001 and work in much the same way asPersonal Pensions. They must have 100% ofcontributions allocated to investment, and theonly charge allowed is up to 1.5% of the annualfund value for the first 10 years, thereafter nomore than 1%.

There must be no penalties on transfer or ifpremiums stop, and the minimum contribution is£20 gross.

The EPS is significantly cheaper as the annualcharge can be as low as 0.70%.

Q3 WHO MANAGES THE EPS?

First Act is the Scheme Administrator; AVIVA isthe Product Provider.

Q4 WHY FIRST ACT & AVIVA?

First Act is an Independent Financial Adviser andresearched the pensions market on Equity’sbehalf before selecting AVIVA. AVIVA hasexcellent past performance, low charges, acompletely penalty free policy and are afinancially strong company.

Q5 HOW DOES THE EPS WORK?

The EPS works in a number of ways.1. You can make contributions related to yourengagements only, this way you pay in whenyou are working, with payments freezingautomatically when you are not, and / or2. you can make additional personal paymentsby direct debit on a monthly basis (£20.00 grossminimum),and / or 3. you can make additional personal paymentsby cheque on an ad-hoc basis (£20.00 grossminimum).

Q6 DO CONTRIBUTIONS FROM PRODUCTIONCOMPANIES INCREASE MY NI CONTRIBUTIONS?

Yes. As you are normally self employed for taxpurposes, the Production Company contribution istreated as an addition to your gross income.

Q7 WILL I HAVE AN EPS MEMBERSHIP NUMBER?

Yes, you will have a unique number starting with‘P5’ and ending in an ‘A’. This is to be used onall contracts to inform the Production Companyof your EPS Membership. Documentation fromAVIVA will display the actual pension policynumber; starting with ‘TK9’, this should NOT beused on contracts.

Q8 I’M NOT A MEMBER OF EQUITY, CAN I STILLJOIN?

Yes, although negotiated by Equity, the EPS isavailable to members and non-members alike.

Q9 HOW DO THE CONTRIBUTIONS GET TO AVIVA?

Production Companies submit the contributions;theirs and yours; to AVIVA via First Act forprocessing.

Q10 WHAT IF MY CONTRACT IS ONLY FOR 1 OR 2APPEARANCES?

Unless you think you will make contributions inthe future, or are likely to get another contract,the benefits will be so small it is probably notworth joining.

Q11 WHAT HAPPENS WHEN I’M NOT UNDERCONTRACT TO A PARTICIPATING EMPLOYER?

If you wish, you can start making payments ascovered in Q5. If not your EPS simply waits untilyou have another contract or decide that youwant to start paying in yourself.

Q12 I’M ALREADY PAYING INTO A PERSONALPENSION?

No problem, you can pay into as many PersonalPensions as you like, providing you are not payingin more than allowed by the Inland Revenue. Youshould also ask us to review your existing policiesto make sure you are getting value for money.This review is offered at a cost of £75.00 for each plan we review.

Q13 CAN I PAY MORE THAN THE CONTRACT RELATEDMINIMUM IF I WANT TO?

Yes, providing you do not exceed the Revenue’scontribution limits (available on request). You can either ask the Production Company todeduct more than the minimum, rememberingthat this will not increase the ProductionCompany contribution, or make personalpayments as covered in Q5.

Q14 CAN I STOP AND START MY CONTRIBUTIONS ATANY TIME?

Yes, you have complete control and there are nocharges or penalties for doing so.

Q15 CAN I HAVE “PENSION CONTRIBUTIONINSURANCE?”

Yes, this is a separate policy to protect anyregular contributions you may be making in theevent of ill health. It is very reasonably pricedand covers you against not being able to do yourjob – most policies only cover you if can’t do anyjob. If you would like a quote let us know.

YOUR QUESTIONS ANSWERED

Page 3: EPS Membership Pack (2014)

HOW DO I JOIN?

Join over the telephone by calling 020 8686 5050 or

Complete the Personal Information Form in this pack and send, fax or e-mail it to:-

Hencilla Canworth (First Act)Simpson House6 Cherry Orchard RoadEast CroydonSurreyCR9 5BB

Fax on 020 8686 5559 or e-mail to [email protected]

HOW TO COMPLAIN

If you have any complaints regarding the EPS please write to the above address or telephone us on 020 8686 5050.

If you have any or doubts regarding the EPS you shouldseek our expert advice. Because this investment may go down as well as up you may not get back the fullamount invested. Levels and bases of, and reliefs fromtaxation are subject to change and depend on theindividual’s personal financial position.

Q16 WHERE IS THE MONEY INVESTED?

Initially your contributions will be invested in theAVIVA Mixed Investment (0-35% shares) Pension Fund Series 6.However, AVIVA has a wide range of funds andyou may elect to invest in any of these. If youwant any further information on these funds youshould contact First Act.

Q17 WILL I GET A STATEMENT SO I CAN CHECK ON MYFUND SIZE & PAYMENTS TO MY EPS?

Yes, every year a statement will be issued byAVIVA showing the fund details. Upon requestFirst Act can provide a detailed premium history.

Q18 WHEN CAN I BENEFIT FROM THE PENSION?

Currently at any age between 55-75. You don’thave to actually retire, just be between thoseages. You can take up to 25% of the fund as taxfree cash and the rest is used to provide youwith an income for life.

Q19 WHAT HAPPENS IF I DIE BEFORE I RETIRE?

The fund you have built is paid to your Estatewithout penalty. If you wish, you can namespecific beneficiaries.

Q20 I PAY TAX AT THE HIGHEST RATE; DO I GET EXTRATAX RELIEF?

Yes, under current rules, but these can change.Any queries relating to tax should be directed toyour Tax Adviser or First Act if you don’t haveone. Please note that the Financial ConductAuthority does not regulate tax advice.

Q21 I AM NOT A UK CITIZEN – CAN I STILL HAVE APERSONAL PENSION?

Yes, as long as you are resident or ordinarilyresident in the UK. In most cases, the benefitsfrom the EPS can be paid directly to your bankaccount in your country of residence. Taxation of benefits may differ from normal. Please speak to your tax adviser for confirmation of these details.

Q22 DO CONTRIBUTIONS FROM PRODUCTIONCOMPANIES INCREASE MY INCOME TAX?

Yes, all Production Company contributions aretreated as an addition to your gross income andbe subject to income tax at the rate applicable toyou at the time. However, when the employercontribution is paid into the EPS it will receive tax relief at source.

e.g. A Production Company contribution of £100.00will incur additional tax of £20.00. However,when applied to your EPS the £100.00 will beenhanced by 20% increasing the amountinvested by £25.00 to £125.00.

Q23 DO I NEED TO INCLUDE CONTRIBUTIONS MADE TOMY EPS ON MY TAX RETURN?

Yes, we recommend that when you or youraccountant are about to complete your annualreturn, you contact First Act and request acontribution history for the required tax year.This will be sent to you with a letter ofexplanation to assist you or your accountant.

YOUR QUESTIONS ANSWERED

First Act Insurance is a trading name of Hencilla Canworth LtdRegistered in England. No. 1593283

Hencilla Canworth Ltd is authorised and regulated by the Financial Conduct Authority.Hencilla Canworth Ltd is entered on the FCA register (www.fca.org.uk/register/home.do) under reference 226263.

Page 4: EPS Membership Pack (2014)

THE EQUITY PENSION SCHEME (EPS) – Sample Illustration

Client Details Age 30 Selected Pension Age 65

This is a sample illustration of what you might get back at the age of 65 and should be read with the Key Features.The amounts aren’t guaranteed.

Contribution Details00.08£htnom hcae yap uoY00.02£%02 ta feiler xat emocni etar cisaB00.001£snoitubirtnoc ylhtnom latot ruoY

The monthly contributions above are payable to AVIVA for 35 years.

The maximum you can pay into this plan each year is 100% of your earnings or £3,600 if greater. There is no limit on total contributions but you may have to pay extra tax if the total paid to all your pension plans by you and your employer exceeds the ‘Annual Allowance’ for the tax year.

How will my monthly payments increase?Your payments will increase each year in December in line with the National Average Earnings Index (NAEI). The minimum increase will be 3%.

If the NAEI increases each year by 3% or less 4% 6%Your final monthly payment will be (£) £273.19 £379.39 £725.10(without any tax relief)

If your contributions are contract related, they will vary as your earnings vary. The annual benefit statement sent to you each year will show a more accurate projection of the pension payable at retirement.

What you might get back at your Selected Pension Age:

These figures illustrate what you might get if you started taking your pension when you are 65.

The figures assume that you keep paying into your plan until you are 65.The pension amounts shown are before the deduction of income tax. Any tax payable will depend on your totalincome in retirement.

We have assumed that your pension will:Stay at the same amount, for the rest of your life.Be paid for a minimum of five years, even if you die.

If your investments grew at a rate of 7% each year:000,542£htrow eb dluow dnuf ruoY

If interest rates when you retire are at 3.9%, you will get

006,51£fo raey hcae noisnep level a rehtieor

003,16£fo hsaC eerF xaTPLUS 007,11£fo raey hcae noisnep rellams a

These figures are only examples and are not guaranteed – they are not minimum or maximum amounts. What you get back depends on how your investments grow.You could get back more or less than this.Your pension income will depend on how your investments grow and interest rates when you retire.All insurance companies use the same rates of growth for illustrations but their charges vary. They also use the same rates to illustrate how funds may be converted into pension income.Don’t forget that inflation would reduce what you could buy in the future with the amounts shown.

Where will my contributions be invested?

Contributions are invested in the AVIVA Mixed Investment Fund (0-35% shares) Pension Fund Series 6

THE EQUITY PENSION SCHEME (EPS)

WASTE

unless you instruct us otherwise.

Page 5: EPS Membership Pack (2014)

THE EQUITY PENSION SCHEME (EPS) – Sample Illustration

THE EARLY YEARSWARNING – if you stop contributions or transfer during the early years the value of your contract could be less than you have paid in. This will only happen if the fund growth is less than the charges we deduct. The last two columns assume that investments will grow at 7% per year.

At end Total paid Total actual Effect of What theof year in to date deductions deductions transfer value

to date to date might be1 £1,200 £5 £5 £1,2402 £2,400 £19 £20 £2,6003 £3,600 £43 £45 £4,1004 £4,800 £80 £85 £5,7605 £6,000 £128 £139 £7,570THE LATER YEARSAt end Total paid Total actual Effect of What theof year in to date deductions deductions transfer value

to date to date might be10 £12,000 £605 £730 £19,40015 £18,000 £1,610 £2,160 £37,50020 £24,000 £3,360 £5,030 £64,60025 £30,000 £6,150 £10,200 £104,00030 £36,000 £10,200 £18,900 £162,000

At age 65 £42,000 £18,000 £35,200 £245,000

What are the deductions for?The deductions cover the cost of our expenses and profit.The last line in the table shows that over the full term of the policy the effect of the total deductions could amount to £35,200. Putting it another way, this would have the same effect as bringing the investment growth down from 7% to 6.3% a year.

What are the charges & how are your contributions invested in your EPS?

100% of every contribution received will be invested in the plan

To manage the investments and meet other expenses, there is an Annual Fund Charge. The Annual Fund Charge is deducted monthly by cancellation of units.

The base Annual Fund Charge is 0.70% of your fund value each year.

The charge above is taken into account in the projected fund values shown in this illustration.

The level of the charge may change in the future.

How much will the advice cost?

For arranging your plan, we will pay commission to Hencilla Canworth Ltd (First Act). The amount depends on the size of the contributions and the length of your plan term.

AVIVA will pay commission of £0.20 per annum for every £100.00 in your pension fund.

This commission is within the over all 0.70% Annual Fund Charge, not in addition to.

We have shown the maximum that we will pay. It will be paid out of the charges.

AVIVA Life Services UK LimitedRegistered in England No. 2403746. 2 Rougier Street York YO90 1UU.

Authorised and regulated by the Financial Conduct Authority.www.AVIVA.co.uk

THE EQUITY PENSION SCHEME (EPS)

WASTE

Page 6: EPS Membership Pack (2014)

WHO IS ELIGIBLE FOR PRODUCTION COMPANY CONTRIBUTIONS?

1. West End Managers (SOLT), Walt Disney Theatrical (UK) & The Globe All actors and stage management. Company Managers by arrangement.

2. Royal National Theatre All actors and temporary stage management.

3. Royal Shakespeare Company All actors and stage management.

4. Subsidised Repertory Theatre (TMA)All actors and stage management.

5. Commercial Theatre (TMA) All actors and stage management.

6. QD0S Entertainment plcAll actors and stage management (you will need to check with QDOS to see if your contract qualifies).

You must remember to insert your EPS Membership Number on each contract and / or advise your Company Manager at the earliest opportunity.

HOW MUCH WILL THE PRODUCTION COMPANIES CONTRIBUTE?

1. West End Manaqers (SOLT), Walt Disney Theatrical (UK) & The GlobeThe company will contribute an amount equal to 5% of your rehearsal or performance fee up to a maximum of 5% of 1.75 x the minimum performance fee. After two years continual service with the same production company the contribution increases to 7.5%, rising to 10% after five years.

2. Royal National Theatre For actors the company will contribute an amount equal to 5% of your rehearsal or performance fee.

For temporary stage management the NT will also contribute an amount equal to 5% of your total weeklysalary.

3. Royal Shakespeare Company The company will contribute an amount equal to 5% of your weekly rehearsal or performance fee up to amaximum of 5% of 1.75 x the minimum performance fee.

4. Subsidised Repertory Theatre (TMA)The Company will contribute an amount equal to 3% of your weekly rehearsal or performance fee up to amaximum of 1.5% x the middle-range salary level (MRSL).

5. Commercial Theatre (TMA) The Company will contribute an amount equal to 5% of your rehearsal or performance fee, up to a maximum of 1.5 x of the basic rehearsal/performance fee.

6. QD0S Entertainment plcThe Company will contribute an amount equal to 5% of your rehearsal or performance fee, up to a maximum of 1.5 x of the basic rehearsal/performance fee.

Details of the current minimum engagement fees and maximum payments applicable to your contract areavailable from Equity or First Act.

THEATRE CONTRACTSWHO IS ELIGIBLE FOR CONTRIBUTIONS?

WASTE

Page 7: EPS Membership Pack (2014)

HOW MUCH WILL I CONTRIBUTE?

1. West End Managers (SOLT), Walt Disney Theatrical (UK) & The Globe2.5% and based on the terms overleaf. This rises to 3.75% after two years and then again to 5% after five years continual service with the same production company.

2. Royal National Theatre 2.5% and based on the terms overleaf.

3. Royal Shakespeare Company 2.5% and based on the terms overleaf.

4. Subsidised Repertory Theatre (TMA) 2% and based on the terms overleaf.

5. Commercial Theatre (TMA) 2.5% and based on the terms overleaf.

6. QDOS Entertainment plc2.5% and based on the terms overleaf.

THEATRE CONTRACTSWHO IS ELIGIBLE FOR CONTRIBUTIONS?

WASTE

Page 8: EPS Membership Pack (2014)

WHO IS ELIGIBLE FOR PRODUCTION COMPANY CONTRIBUTIONS?

1. UK TV Production CompaniesAll main artists and stunt arrangers / performers.

2. BBC RadioAll main artists, singers and light entertainment artists.

3. UK Film Production Companies All main artists and stunt arrangers / performers.

You must remember to insert your EPS Membership Number on each contract.

To obtain your EPS Membership Number, complete and return the Personal Information Form enclosed in this pack or contact First Act on 020 8686 5050.

HOW MUCH WILL THE PRODUCTION COMPANIES CONTRIBUTE?

1. TV Production Companies

BBC Television will contribute an amount equal to 5% of your engagement fee / weekly fee / episode fee up to a maximum of 5% of three x the minimum engagement fee.

ITV Television Production companies will contribute an amount equal to 5% of your engagement fee /weekly fee / episode fee up to a maximum of 5% of three x the minimum engagement fee.

PACT & TAC TV Production companies will contribute an amount equal to 5% of your daily or weekly fee,subject to three x the minimum engagement fee.

Important Note for PACT & TAC television contractsIt is the responsibility of the Artist or Agent to notify the Producer PRIOR to the engagement that they are a member of the EPS and to provide them with their EPS Membership Number (P59 *****A format) in the space provided in the form of engagement.

2. Radio

BBC Radio will contribute an amount equal to 5% of your engagement fee / weekly fee / episode fee.

3. Film Production Companies

UK Film Production companies will contribute an amount equal to 6% of your engagement fee subject to areviewable maximum.

Important Note for PACT & TAC film contractsIt is the responsibility of the Artist or Agent to notify the Producer PRIOR to the engagement that they are a member of the EPS and to provide them with their EPS Membership Number (P59 A*****format) in the space provided in the form of engagement.

TV, RADIO & FILM CONTRACTSWHO IS ELIGIBLE FOR CONTRIBUTIONS?

WASTE

Page 9: EPS Membership Pack (2014)

HOW MUCH WILL I CONTRIBUTE?

1. TV Production Companies

BBC Television 2.5% and based on the terms overleaf.

ITV Television Production Companies2.5% and based on the terms overleaf.

PACT & TAC TV Production Companies2.5% and based on the terms overleaf.

Important Note for PACT & TAC television contractsIt is the responsibility of the Artist or Agent to notify the Producer PRIOR to the engagement that they are a member of the EPS and to provide them with their EPS Membership Number (P59 ***** A format) in the space provided in the form of engagement.

2. BBC Radio2.5% based on the terms overleaf.

3. UK Film Production Companies 3% based on the terms overleaf.

Important Note for PACT & TAC film contractsIt is the responsibility of the Artist or Agent to notify the Producer PRIOR to the engagement that they are a member of the EPS and to provide them with their EPS Membership Number (P59 *****A format) in the space provided in the form of engagement.

TV, RADIO & FILM CONTRACTSWHO IS ELIGIBLE FOR CONTRIBUTIONS?

WASTE

Page 10: EPS Membership Pack (2014)

PERSONAL INFORMATION FORM

Equity Pension Scheme

TO JOIN THE EPS, SIMPLY COMPLETE THIS SHEET AND RETURN IT IN THE PREPAID ENVELOPE PROVIDED OR FAX TO020 8686 5559 OR E-MAIL TO [email protected]

ALTERNATIVELY, YOU CAN JOIN BY SIMPLY CALLING US ON 020 8686 5050 AND SUPPLYING US WITH THISINFORMATION VERBALLY.

MR / MRS / MISS / MS / OTHER (please complete using Biro)

SURNAME

FIRST NAMES

PROFESSIONAL NAME (if different)

ADDRESS

POST CODE

HOME TEL No.

MOBILE No.

E-Mail ADDRESS @

DATE OF BIRTH

NATIONAL INSURANCE NUMBER

OCCUPATION

IF YOU HAVE ANY QUERIES PLEASE CONTACT ANDREW BARKER OF FIRST ACT ON 020 8686 5050 [email protected]

If you intend choose to make personal contributions outside of contract, please refer to the reverse of this formfor our proof of identity requirements.

WASTE

Page 11: EPS Membership Pack (2014)

PERSONAL INFORMATION FORM

IDENTIFICATION REQUIREMENTS INTRODUCED

The implementation of the Money Laundering Regulation 2003 means that if you choose to make personalcontributions that are not contract related, we are obliged to verify your name and address.

If you choose to make personal contributions, you will also need to supply one document from each of thecategories listed below. The same document cannot be used for both categories.

Category A - Evidence of Name

Inland Revenue tax notificationCurrent signed passportResident PermitCurrent UK/EEA Photo driving licenseCurrent Full UK driving license (old style)Firearms/shotgun certificateState Pension or Benefits Book

Category B - Evidence of Address (your current address must be on the document)

Most Recent Mortgage StatementCurrent Local Authority Tax BillLocal Authority rent card or tenancy agreementBank / Building Society statementRecent Utility Bill (not mobile phone)Current UK/EEA Photo driving licenseCurrent Full UK driving license (old style)State Pension or Benefits BookHouse or Motor Insurance Certificate

We fully understand the problems that producing these documents might present but trust that you willappreciate that this legislation has been introduced to protect us all against financial and identity crimes.

We adhere to the Data Protection Act 1998 and can assure you that all documents will be treated in the strictestconfidence and returned to you by Royal Mail Recorded Delivery.

Please write to us if you do not wish to receive information about other products and services provided by us. If you do not wish to receive marketing approaches from AVIVA, write to FREEPOST, Mailshot Exclusion Team, PO Box 8412, Derby. DE1 1SB.

WASTE

Page 12: EPS Membership Pack (2014)

You may have existing pension arrangements with other pension providers.

Your membership of the EPS will not affect these.

However, you may wish to have these other arrangements reviewed to make sure that they are working for you to the best of their ability.

We are able to review these plans on your behalf and report back to you with our findings in a clear and concisemanner.

This review is offered at a cost of £75.00 for each plan we review. All you need to do is complete the Authority on the reverse of this form and return it to us in the envelope provided together with your cheque for the relevant amount. The cheque is to be drawn in favour of Hencilla Canworth Ltd (First Act).

If you prefer to pay by debit or credit card please call us on 020 8686 5050 before you return the Authority to make your payment.

Upon receipt of the completed Authority and payment, we shall commence our research and report back to you with our findings at the earliest opportunity. Please be aware that the review can take up to eight weeks to complete.

EXISTING PENSION ARRANGEMENTS

WASTEWASTE

Page 13: EPS Membership Pack (2014)

LETTER OF AUTHORITY

LETTER OF AUTHORITY

321(Insert the name of your Pension Provider(s))

321(Insert the relevant Policy Number(s))

To Whom It May Concern

This letter is to confirm the appointment of

Hencilla Canworth Ltd (First Act), Simpson House, 6 Cherry Orchard Road, East Croydon CR9 5BBTelephone No. 020 8686 5050 Fax No. 020 8686 5559 E-mail: [email protected]

as my Pension Consultants and Advisers. The appointment is to take immediate effect and it would be appreciated if you would render them such information, servicing rights and assistance as they might require.

If I have more contracts than I have stated, please also provide Hencilla Canworth Ltd with full details on theseplans too.

SIGNED: (Policyholder)

NAME: (IN CAPITALS)

DATE:

Tick one

I enclose my cheque for £……………………………..

I have already made the relevant payment by debit/credit card

WASTEWASTE

Page 14: EPS Membership Pack (2014)

The EPS has been designed to allow you to make personal contributions outside of any contract related contributions, and by starting to make personal contributions now, you will obviously help improve your retirement prospects.

Contributions can be made:

On a regular basis by direct debit.(minimum monthly contribution of £20.00 gross per month)

As and when you want by drawing a cheque in favour of AVIVA, for your chosen amount.(minimum contribution of £20.00 gross)

If you wish to make contributions on either or both bases, please complete the form overleaf.If you choose to make a personal contributions, please refer to the reverse of the PERSONAL INFORMATIONFORM later on in this folder, for our proof of identity requirements.

PERSONAL CONTRIBUTIONS – NON CONTRACT RELATED

Page 15: EPS Membership Pack (2014)

PERSONAL CONTRIBUTIONS – NON CONTRACT RELATED

AVIVAEPS Departmentc/o Hencilla Canworth Ltd (First Act)Simpson House6 Cherry Orchard RoadEast Croydon CR9 5BB.

Date:

Re: Equity Pension Scheme (EPS)Further to my advising you of my Personal Information, please take this letter as confirmation of my wish to 1. Commence regular monthly contributions at a level of £ net per month with effect from

6th , automatically increasing annually each December in line with the NationalAverage Earning Index, unless you advise us otherwise by ticking this box

Below is a completed direct debit mandate2. Make a single payment of £ net.I enclose my personal cheque, drawn in favour of AVIVA.

Signed

Name

23

4

Name(s) of Account Holder(s)

Bank/Building SocietyAccount Number

- -Branch Sort Code

Reference No (Policy/Plan/Scheme Number)

INSTRUCTION TO YOUR BANK/BUILDING SOCIETYTO PAY DIRECT DEBITS

Please complete ALL NINE SECTIONS of this instruction and send it to: Aviva, PO Box 4, Surrey Street, Norwich NR1 3NG.

Service User Number 9 2 2 7 2 3

5

6 Signature

1 Name and full postaladdress of your Bank or Building Society

To: The Manager

Post Code

7 Date

Banks and Building Societies may not accept Direct Debit Instructions for some types of account.

WASTE

Page 16: EPS Membership Pack (2014)

OTHER SERVICES WE OFFER

Hencilla Canworth has been advising and helping members of the Performing Arts for over 25 years.

ln 1995, trading as First Act, Hencilla Canworth was appointed as Equity’s ‘preferred suppliers of insurance andfinancial services’.

Hencilla Canworth is an Independent Insurance Intermediary, authorised and regulated by the Financial ConductAuthority.

The Investors in People award is held.

Please contact us for all your insurance and financial planning needs.

WASTE

Page 17: EPS Membership Pack (2014)

Mortgages*

Investments

Life Assurance

Private Medical Insurance

Income Protection

Buildings and Contents Insurance

Motor Insurance

Liability Insurance

Travel Insurance

Commercial Insurances

* Your home may be repossessed if you do not keep up repayments on your mortgage. Written quotations on request. Authorised and regulated by the Financial Conduct Authority

OTHER SERVICES WE OFFER

WASTE

Page 18: EPS Membership Pack (2014)

POINTS OF CONTACT AT FIRST ACTAndrew Barker Administration / Technical & Contributions

Tel 020 8686 5050

Email [email protected]

Web www.firstact.co.uk

General Enquiry [email protected]

David Pollard Director & Independent Financial Adviser

Email [email protected]

David Flood Independent Financial Adviser

Email [email protected]

First Act is a trading name of Hencilla Canworth Ltd. Registered in England No. 1593283.Authorised and regulated by the Financial Conduct Authority

MEMBERSHIP PACK & INFORMATION